Home > St. Charles Bank & Trust Company > Performance and Condition Ratios
St. Charles Bank & Trust Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 967 |
| Cost of funding earning assets | 2.8762% | 607 |
| Net interest margin | 3.3792% | 2,327 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 1.4797% | 4,272 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.3603% | 1,150 |
| Return on assets (ROA) | 1.3601% | 1,144 |
| Pretax return on assets | 1.8577% | 757 |
| Return on Equity (ROE) | 13.3500% | 1,280 |
| Retained earnings to average equity (ytd only) | 13.3545% | 206 |
| Net charge-offs to loans | 0.0795% | 1,352 |
| Credit loss provision to net charge-offs | 309.8311% | 850 |
| Earnings coverage of net charge-offs (x) | 33.0247% | 1,470 |
| Efficiency ratio | 42.2621% | 4,283 |
| Assets per employee ($millions) | 28.2164% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 3,727 |
| Loan loss allowance to noncurrent loans | 87.9748% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7899% | 921 |
| Noncurrent loans to loans | 0.9832% | 1,016 |
| Net loans and leases to total assets | 79.6400% | 699 |
| Net loans and leases to deposits | 93.5020% | 900 |
| Net loans and leases to core deposits | 116.7539% | 705 |
| Total domestic deposits to total assets | 85.1800% | 2,470 |
| Equity capital to assets | 10.3051% | 1,961 |
| Core capital (leverage) ratio | 9.3331% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2235% | 2,705 |
| Memoranda: | ||
| Average total assets | $2,732,920,000 | 449 |
| Average earning assets | $2,536,070,000 | 436 |
| Average equity | $278,341,200 | 439 |
| Average total loans | $2,085,647,400 | 410 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2505% | 945 |
| Cost of funding earning assets | 2.8699% | 625 |
| Net interest margin | 3.3805% | 2,276 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 1.4502% | 4,294 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.3565% | 1,201 |
| Return on assets (ROA) | 1.3574% | 1,197 |
| Pretax return on assets | 1.8512% | 809 |
| Return on Equity (ROE) | 13.3700% | 1,285 |
| Retained earnings to average equity (ytd only) | 13.3696% | 357 |
| Net charge-offs to loans | 0.0771% | 1,137 |
| Credit loss provision to net charge-offs | 306.9728% | 834 |
| Earnings coverage of net charge-offs (x) | 34.7041% | 1,424 |
| Efficiency ratio | 41.6463% | 4,304 |
| Assets per employee ($millions) | 29.8548% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 3,792 |
| Loan loss allowance to noncurrent loans | 105.6428% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 1,182 |
| Noncurrent loans to loans | 0.8083% | 1,235 |
| Net loans and leases to total assets | 74.4400% | 1,309 |
| Net loans and leases to deposits | 86.8992% | 1,549 |
| Net loans and leases to core deposits | 108.7596% | 991 |
| Total domestic deposits to total assets | 85.6700% | 2,048 |
| Equity capital to assets | 9.9810% | 2,311 |
| Core capital (leverage) ratio | 9.4004% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3116% | 2,719 |
| Memoranda: | ||
| Average total assets | $2,703,685,750 | 448 |
| Average earning assets | $2,498,707,750 | 439 |
| Average equity | $274,506,500 | 438 |
| Average total loans | $2,034,692,750 | 416 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2122% | 898 |
| Cost of funding earning assets | 2.7986% | 664 |
| Net interest margin | 3.4136% | 2,139 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 1.4795% | 4,287 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.4724% | 969 |
| Return on assets (ROA) | 1.4710% | 966 |
| Pretax return on assets | 2.0053% | 636 |
| Return on Equity (ROE) | 14.4000% | 1,088 |
| Retained earnings to average equity (ytd only) | 14.3977% | 329 |
| Net charge-offs to loans | 0.0653% | 1,119 |
| Credit loss provision to net charge-offs | 140.1855% | 1,253 |
| Earnings coverage of net charge-offs (x) | 41.3014% | 1,236 |
| Efficiency ratio | 41.8928% | 4,311 |
| Assets per employee ($millions) | 28.0514% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7825% | 3,970 |
| Loan loss allowance to noncurrent loans | 85.0077% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 951 |
| Noncurrent loans to loans | 0.9205% | 1,028 |
| Net loans and leases to total assets | 75.7200% | 1,209 |
| Net loans and leases to deposits | 88.6607% | 1,433 |
| Net loans and leases to core deposits | 111.8676% | 901 |
| Total domestic deposits to total assets | 85.4100% | 2,187 |
| Equity capital to assets | 9.9472% | 2,105 |
| Core capital (leverage) ratio | 9.6980% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3076% | 2,738 |
| Memoranda: | ||
| Average total assets | $2,629,658,000 | 460 |
| Average earning assets | $2,432,858,000 | 445 |
| Average equity | $268,668,333 | 443 |
| Average total loans | $1,980,642,333 | 429 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2055% | 839 |
| Cost of funding earning assets | 2.7584% | 649 |
| Net interest margin | 3.4471% | 2,001 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 1.5152% | 4,271 |
| Loan and lease loss provision to assets | -0.2200% | 4,523 |
| Net operating income to assets | 1.6462% | 715 |
| Return on assets (ROA) | 1.6440% | 735 |
| Pretax return on assets | 2.2285% | 466 |
| Return on Equity (ROE) | 15.8600% | 862 |
| Retained earnings to average equity (ytd only) | 15.8637% | 375 |
| Net charge-offs to loans | 0.0749% | 862 |
| Credit loss provision to net charge-offs | -317.0391% | 4,513 |
| Earnings coverage of net charge-offs (x) | 35.8883% | 1,105 |
| Efficiency ratio | 42.7297% | 4,271 |
| Assets per employee ($millions) | 27.6679% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 4,014 |
| Loan loss allowance to noncurrent loans | 117.6583% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 1,308 |
| Noncurrent loans to loans | 0.6508% | 1,357 |
| Net loans and leases to total assets | 73.1300% | 1,444 |
| Net loans and leases to deposits | 87.1423% | 1,436 |
| Net loans and leases to core deposits | 108.5961% | 1,001 |
| Total domestic deposits to total assets | 83.9200% | 2,734 |
| Equity capital to assets | 10.2071% | 1,886 |
| Core capital (leverage) ratio | 9.7377% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7725% | 2,651 |
| Memoranda: | ||
| Average total assets | $2,555,941,500 | 474 |
| Average earning assets | $2,345,268,000 | 467 |
| Average equity | $264,881,000 | 452 |
| Average total loans | $1,911,202,500 | 441 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7870% | 849 |
| Cost of funding earning assets | 2.1036% | 780 |
| Net interest margin | 3.6833% | 1,792 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.5441% | 4,298 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.4367% | 1,145 |
| Return on assets (ROA) | 1.4387% | 1,111 |
| Pretax return on assets | 1.9694% | 704 |
| Return on Equity (ROE) | 14.0900% | 1,465 |
| Retained earnings to average equity (ytd only) | 14.0865% | 393 |
| Net charge-offs to loans | 0.0387% | 1,536 |
| Credit loss provision to net charge-offs | 545.4414% | 634 |
| Earnings coverage of net charge-offs (x) | 74.7887% | 1,066 |
| Efficiency ratio | 41.0460% | 4,342 |
| Assets per employee ($millions) | 27.2905% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 3,817 |
| Loan loss allowance to noncurrent loans | 289.8100% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,087 |
| Noncurrent loans to loans | 0.2988% | 2,112 |
| Net loans and leases to total assets | 75.2600% | 1,211 |
| Net loans and leases to deposits | 90.2998% | 1,238 |
| Net loans and leases to core deposits | 110.9434% | 921 |
| Total domestic deposits to total assets | 83.3400% | 2,796 |
| Equity capital to assets | 10.5287% | 1,711 |
| Core capital (leverage) ratio | 9.5260% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4909% | 2,722 |
| Memoranda: | ||
| Average total assets | $2,359,180,200 | 493 |
| Average earning assets | $2,151,331,400 | 489 |
| Average equity | $240,954,400 | 463 |
| Average total loans | $1,785,789,400 | 445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 1,052 |
| Cost of funding earning assets | 1.6822% | 909 |
| Net interest margin | 3.6393% | 1,943 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.5376% | 4,302 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.4513% | 1,211 |
| Return on assets (ROA) | 1.4527% | 1,190 |
| Pretax return on assets | 1.9899% | 759 |
| Return on Equity (ROE) | 14.0800% | 1,666 |
| Retained earnings to average equity (ytd only) | 14.0782% | 664 |
| Net charge-offs to loans | 0.0383% | 1,143 |
| Credit loss provision to net charge-offs | 597.5976% | 579 |
| Earnings coverage of net charge-offs (x) | 75.4084% | 1,080 |
| Efficiency ratio | 40.6265% | 4,375 |
| Assets per employee ($millions) | 26.4497% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 3,955 |
| Loan loss allowance to noncurrent loans | 201.6917% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 1,573 |
| Noncurrent loans to loans | 0.4100% | 1,701 |
| Net loans and leases to total assets | 73.4500% | 1,356 |
| Net loans and leases to deposits | 87.5139% | 1,386 |
| Net loans and leases to core deposits | 104.6421% | 1,028 |
| Total domestic deposits to total assets | 83.9300% | 2,835 |
| Equity capital to assets | 9.8972% | 1,919 |
| Core capital (leverage) ratio | 9.5383% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1313% | 2,830 |
| Memoranda: | ||
| Average total assets | $2,264,988,667 | 497 |
| Average earning assets | $2,069,091,000 | 491 |
| Average equity | $233,723,000 | 464 |
| Average total loans | $1,738,460,667 | 440 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 918 |
| Cost of funding earning assets | 1.4098% | 1,004 |
| Net interest margin | 3.8167% | 1,653 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.6088% | 4,299 |
| Loan and lease loss provision to assets | 0.6300% | 111 |
| Net operating income to assets | 1.1589% | 2,043 |
| Return on assets (ROA) | 1.1640% | 2,002 |
| Pretax return on assets | 1.5923% | 1,480 |
| Return on Equity (ROE) | 11.0300% | 2,484 |
| Retained earnings to average equity (ytd only) | 11.0285% | 1,464 |
| Net charge-offs to loans | 0.0441% | 916 |
| Credit loss provision to net charge-offs | 1,152.1277% | 329 |
| Earnings coverage of net charge-offs (x) | 64.2606% | 983 |
| Efficiency ratio | 41.7370% | 4,395 |
| Assets per employee ($millions) | 25.6461% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 3,951 |
| Loan loss allowance to noncurrent loans | 208.7195% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 1,416 |
| Noncurrent loans to loans | 0.4141% | 1,690 |
| Net loans and leases to total assets | 78.2600% | 739 |
| Net loans and leases to deposits | 94.5621% | 753 |
| Net loans and leases to core deposits | 114.0591% | 579 |
| Total domestic deposits to total assets | 82.7600% | 3,342 |
| Equity capital to assets | 10.4821% | 1,569 |
| Core capital (leverage) ratio | 9.5823% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0981% | 2,933 |
| Memoranda: | ||
| Average total assets | $2,180,796,500 | 519 |
| Average earning assets | $1,968,729,000 | 531 |
| Average equity | $230,167,000 | 478 |
| Average total loans | $1,706,583,500 | 454 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 3,119 |
| Cost of funding earning assets | 0.4352% | 1,820 |
| Net interest margin | 3.0504% | 3,312 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.5369% | 4,388 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.1968% | 1,780 |
| Return on assets (ROA) | 1.1918% | 1,740 |
| Pretax return on assets | 1.6268% | 1,091 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 10.8751% | 914 |
| Net charge-offs to loans | 0.0252% | 1,555 |
| Credit loss provision to net charge-offs | -205.6701% | 4,602 |
| Earnings coverage of net charge-offs (x) | 82.8711% | 1,074 |
| Efficiency ratio | 48.2979% | 4,222 |
| Assets per employee ($millions) | 24.4871% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 4,162 |
| Loan loss allowance to noncurrent loans | 318.7336% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 2,076 |
| Noncurrent loans to loans | 0.2304% | 2,349 |
| Net loans and leases to total assets | 76.9600% | 901 |
| Net loans and leases to deposits | 93.3700% | 820 |
| Net loans and leases to core deposits | 109.5358% | 624 |
| Total domestic deposits to total assets | 82.4300% | 3,544 |
| Equity capital to assets | 10.6298% | 1,398 |
| Core capital (leverage) ratio | 9.6192% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3133% | 2,917 |
| Memoranda: | ||
| Average total assets | $1,994,307,000 | 549 |
| Average earning assets | $1,837,337,400 | 548 |
| Average equity | $218,563,800 | 488 |
| Average total loans | $1,538,654,400 | 463 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0876% | 3,698 |
| Cost of funding earning assets | 0.2827% | 2,357 |
| Net interest margin | 2.8049% | 3,725 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.5195% | 4,400 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.1046% | 2,068 |
| Return on assets (ROA) | 1.0975% | 2,074 |
| Pretax return on assets | 1.4996% | 1,408 |
| Return on Equity (ROE) | 9.9300% | 2,747 |
| Retained earnings to average equity (ytd only) | 9.9331% | 1,359 |
| Net charge-offs to loans | 0.0301% | 1,234 |
| Credit loss provision to net charge-offs | -456.3050% | 4,692 |
| Earnings coverage of net charge-offs (x) | 61.0997% | 1,162 |
| Efficiency ratio | 51.1743% | 4,071 |
| Assets per employee ($millions) | 23.2767% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,232 |
| Loan loss allowance to noncurrent loans | 264.9652% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 1,986 |
| Noncurrent loans to loans | 0.2684% | 2,302 |
| Net loans and leases to total assets | 76.9700% | 803 |
| Net loans and leases to deposits | 94.5668% | 613 |
| Net loans and leases to core deposits | 106.8063% | 565 |
| Total domestic deposits to total assets | 81.3900% | 3,920 |
| Equity capital to assets | 10.5167% | 1,359 |
| Core capital (leverage) ratio | 10.1003% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1634% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,960,288,750 | 563 |
| Average earning assets | $1,817,441,000 | 555 |
| Average equity | $216,591,000 | 494 |
| Average total loans | $1,510,382,750 | 469 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8797% | 3,831 |
| Cost of funding earning assets | 0.2324% | 2,474 |
| Net interest margin | 2.6472% | 3,819 |
| Noninterest income to average assets | 0.3455% | 3,080 |
| Noninterest expense to average assets | 1.5140% | 4,406 |
| Loan and lease loss provision to assets | -0.0668% | 4,548 |
| Net operating income to assets | 0.9942% | 2,180 |
| Return on assets (ROA) | 0.9872% | 2,176 |
| Pretax return on assets | 1.3482% | 1,588 |
| Return on Equity (ROE) | 8.7831% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.7831% | 1,351 |
| Net charge-offs to loans | 0.0296% | 1,135 |
| Credit loss provision to net charge-offs | -401.3699% | 3,340 |
| Earnings coverage of net charge-offs (x) | 56.6530% | 1,101 |
| Efficiency ratio | 53.3803% | 4,018 |
| Assets per employee ($millions) | 21.9070% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 4,183 |
| Loan loss allowance to noncurrent loans | 293.9379% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 2,000 |
| Noncurrent loans to loans | 0.2701% | 2,398 |
| Net loans and leases to total assets | 80.1086% | 396 |
| Net loans and leases to deposits | 93.9568% | 521 |
| Net loans and leases to core deposits | 107.1844% | 413 |
| Total domestic deposits to total assets | 85.2611% | 3,425 |
| Equity capital to assets | 11.4744% | 1,039 |
| Core capital (leverage) ratio | 9.9627% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2389% | 2,981 |
| Memoranda: | ||
| Average total assets | $1,923,176,000 | 571 |
| Average earning assets | $1,786,256,000 | 559 |
| Average equity | $216,165,667 | 498 |
| Average total loans | $1,478,524,000 | 478 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7334% | 3,879 |
| Cost of funding earning assets | 0.2276% | 2,434 |
| Net interest margin | 2.5058% | 3,902 |
| Noninterest income to average assets | 0.3566% | 2,956 |
| Noninterest expense to average assets | 1.5153% | 4,406 |
| Loan and lease loss provision to assets | 0.0497% | 1,480 |
| Net operating income to assets | 0.8226% | 2,585 |
| Return on assets (ROA) | 0.8148% | 2,606 |
| Pretax return on assets | 1.1138% | 2,098 |
| Return on Equity (ROE) | 7.3243% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.3243% | 1,790 |
| Net charge-offs to loans | 0.0116% | 1,337 |
| Credit loss provision to net charge-offs | 40.4762% | 1,226 |
| Earnings coverage of net charge-offs (x) | 134.9286% | 572 |
| Efficiency ratio | 55.7258% | 3,908 |
| Assets per employee ($millions) | 24.0754% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,023 |
| Loan loss allowance to noncurrent loans | 284.4425% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,981 |
| Noncurrent loans to loans | 0.3193% | 2,325 |
| Net loans and leases to total assets | 75.2928% | 549 |
| Net loans and leases to deposits | 88.1411% | 611 |
| Net loans and leases to core deposits | 102.2641% | 439 |
| Total domestic deposits to total assets | 85.4231% | 3,426 |
| Equity capital to assets | 11.1414% | 1,271 |
| Core capital (leverage) ratio | 9.4035% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2303% | 3,022 |
| Memoranda: | ||
| Average total assets | $1,931,808,500 | 567 |
| Average earning assets | $1,797,924,500 | 562 |
| Average equity | $214,902,500 | 513 |
| Average total loans | $1,448,277,000 | 481 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9508% | 3,962 |
| Cost of funding earning assets | 0.3201% | 2,193 |
| Net interest margin | 2.6306% | 3,998 |
| Noninterest income to average assets | 0.3881% | 3,115 |
| Noninterest expense to average assets | 1.5721% | 4,458 |
| Loan and lease loss provision to assets | -0.3116% | 4,780 |
| Net operating income to assets | 1.1360% | 2,157 |
| Return on assets (ROA) | 1.1348% | 2,211 |
| Pretax return on assets | 1.5669% | 1,515 |
| Return on Equity (ROE) | 10.3336% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.3336% | 837 |
| Net charge-offs to loans | 0.0480% | 1,346 |
| Credit loss provision to net charge-offs | -843.4462% | 3,883 |
| Earnings coverage of net charge-offs (x) | 34.7099% | 1,512 |
| Efficiency ratio | 54.8269% | 3,838 |
| Assets per employee ($millions) | 23.9208% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,991 |
| Loan loss allowance to noncurrent loans | 278.5401% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 2,047 |
| Noncurrent loans to loans | 0.3336% | 2,388 |
| Net loans and leases to total assets | 73.2758% | 726 |
| Net loans and leases to deposits | 85.8120% | 795 |
| Net loans and leases to core deposits | 99.5864% | 554 |
| Total domestic deposits to total assets | 85.3911% | 3,141 |
| Equity capital to assets | 11.1075% | 1,732 |
| Core capital (leverage) ratio | 9.1238% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3718% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,875,078,200 | 568 |
| Average earning assets | $1,739,889,600 | 560 |
| Average equity | $205,910,000 | 522 |
| Average total loans | $1,414,413,600 | 486 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 3,999 |
| Cost of funding earning assets | 0.3447% | 2,169 |
| Net interest margin | 2.6574% | 4,042 |
| Noninterest income to average assets | 0.3777% | 3,216 |
| Noninterest expense to average assets | 1.5766% | 4,490 |
| Loan and lease loss provision to assets | -0.5771% | 4,892 |
| Net operating income to assets | 1.3524% | 1,684 |
| Return on assets (ROA) | 1.3510% | 1,743 |
| Pretax return on assets | 1.8381% | 1,070 |
| Return on Equity (ROE) | 12.3393% | 1,923 |
| Retained earnings to average equity (ytd only) | 12.3393% | 765 |
| Net charge-offs to loans | 0.0388% | 1,312 |
| Credit loss provision to net charge-offs | -1,825.6098% | 3,978 |
| Earnings coverage of net charge-offs (x) | 42.9561% | 1,323 |
| Efficiency ratio | 54.7413% | 3,698 |
| Assets per employee ($millions) | 24.4815% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 4,319 |
| Loan loss allowance to noncurrent loans | 204.3891% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,764 |
| Noncurrent loans to loans | 0.4013% | 2,355 |
| Net loans and leases to total assets | 74.8951% | 619 |
| Net loans and leases to deposits | 87.5076% | 741 |
| Net loans and leases to core deposits | 102.2724% | 516 |
| Total domestic deposits to total assets | 85.5869% | 2,918 |
| Equity capital to assets | 11.1264% | 1,930 |
| Core capital (leverage) ratio | 9.2953% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4019% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,859,451,750 | 579 |
| Average earning assets | $1,722,501,000 | 572 |
| Average equity | $203,583,000 | 533 |
| Average total loans | $1,409,742,750 | 491 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0425% | 3,970 |
| Cost of funding earning assets | 0.3719% | 2,115 |
| Net interest margin | 2.6706% | 4,039 |
| Noninterest income to average assets | 0.2592% | 3,838 |
| Noninterest expense to average assets | 1.6156% | 4,492 |
| Loan and lease loss provision to assets | -0.8205% | 4,939 |
| Net operating income to assets | 1.4244% | 1,502 |
| Return on assets (ROA) | 1.4228% | 1,575 |
| Pretax return on assets | 1.9348% | 942 |
| Return on Equity (ROE) | 13.0683% | 1,689 |
| Retained earnings to average equity (ytd only) | 13.0683% | 706 |
| Net charge-offs to loans | 0.0499% | 1,124 |
| Credit loss provision to net charge-offs | -1,951.2894% | 3,818 |
| Earnings coverage of net charge-offs (x) | 29.4728% | 1,318 |
| Efficiency ratio | 58.3188% | 3,243 |
| Assets per employee ($millions) | 24.0987% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,187 |
| Loan loss allowance to noncurrent loans | 207.3610% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 1,720 |
| Noncurrent loans to loans | 0.4277% | 2,396 |
| Net loans and leases to total assets | 75.6615% | 621 |
| Net loans and leases to deposits | 88.4655% | 752 |
| Net loans and leases to core deposits | 104.8783% | 503 |
| Total domestic deposits to total assets | 85.5266% | 2,905 |
| Equity capital to assets | 11.1398% | 1,885 |
| Core capital (leverage) ratio | 9.0529% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5946% | 3,024 |
| Memoranda: | ||
| Average total assets | $1,842,749,333 | 575 |
| Average earning assets | $1,706,268,333 | 571 |
| Average equity | $200,622,333 | 537 |
| Average total loans | $1,398,992,333 | 498 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0028% | 4,079 |
| Cost of funding earning assets | 0.3831% | 2,237 |
| Net interest margin | 2.6198% | 4,114 |
| Noninterest income to average assets | 0.2952% | 3,637 |
| Noninterest expense to average assets | 1.5180% | 4,633 |
| Loan and lease loss provision to assets | -1.0758% | 4,958 |
| Net operating income to assets | 1.6797% | 976 |
| Return on assets (ROA) | 1.6764% | 1,026 |
| Pretax return on assets | 2.2785% | 606 |
| Return on Equity (ROE) | 15.5806% | 1,096 |
| Retained earnings to average equity (ytd only) | 15.5806% | 559 |
| Net charge-offs to loans | 0.1007% | 682 |
| Credit loss provision to net charge-offs | -1,230.8571% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.8286% | 1,333 |
| Efficiency ratio | 54.8885% | 3,688 |
| Assets per employee ($millions) | 22.8470% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,657 |
| Loan loss allowance to noncurrent loans | 205.6655% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 1,619 |
| Noncurrent loans to loans | 0.5098% | 2,330 |
| Net loans and leases to total assets | 75.8914% | 636 |
| Net loans and leases to deposits | 88.3773% | 798 |
| Net loans and leases to core deposits | 102.8597% | 605 |
| Total domestic deposits to total assets | 85.8720% | 2,783 |
| Equity capital to assets | 10.7484% | 2,040 |
| Core capital (leverage) ratio | 9.0890% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5549% | 3,000 |
| Memoranda: | ||
| Average total assets | $1,836,325,000 | 569 |
| Average earning assets | $1,703,059,500 | 562 |
| Average equity | $197,579,000 | 536 |
| Average total loans | $1,390,219,500 | 504 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 3,853 |
| Cost of funding earning assets | 0.6565% | 1,952 |
| Net interest margin | 2.9230% | 4,070 |
| Noninterest income to average assets | 0.2560% | 3,950 |
| Noninterest expense to average assets | 1.5876% | 4,716 |
| Loan and lease loss provision to assets | 0.6915% | 241 |
| Net operating income to assets | 0.4839% | 4,060 |
| Return on assets (ROA) | 0.4852% | 4,144 |
| Pretax return on assets | 0.6597% | 3,964 |
| Return on Equity (ROE) | 4.2937% | 4,088 |
| Retained earnings to average equity (ytd only) | -0.4183% | 4,581 |
| Net charge-offs to loans | 0.1135% | 1,344 |
| Credit loss provision to net charge-offs | 789.7973% | 911 |
| Earnings coverage of net charge-offs (x) | 15.4155% | 2,175 |
| Efficiency ratio | 53.0865% | 4,299 |
| Assets per employee ($millions) | 21.1671% | 84 |
| Cash dividends to net income (ytd only)* | 109.7427% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,697 |
| Loan loss allowance to noncurrent loans | 207.4577% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,371 |
| Noncurrent loans to loans | 0.7076% | 1,925 |
| Net loans and leases to total assets | 73.5807% | 1,083 |
| Net loans and leases to deposits | 86.0381% | 1,252 |
| Net loans and leases to core deposits | 100.0686% | 893 |
| Total domestic deposits to total assets | 85.5211% | 2,558 |
| Equity capital to assets | 10.7710% | 2,457 |
| Core capital (leverage) ratio | 8.7482% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9529% | 2,934 |
| Memoranda: | ||
| Average total assets | $1,690,376,600 | 559 |
| Average earning assets | $1,550,600,600 | 559 |
| Average equity | $191,002,200 | 525 |
| Average total loans | $1,304,354,000 | 508 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 3,734 |
| Cost of funding earning assets | 0.7211% | 1,898 |
| Net interest margin | 3.0076% | 3,958 |
| Noninterest income to average assets | 0.2402% | 4,048 |
| Noninterest expense to average assets | 1.6368% | 4,696 |
| Loan and lease loss provision to assets | 0.8853% | 182 |
| Net operating income to assets | 0.3438% | 4,370 |
| Return on assets (ROA) | 0.3455% | 4,422 |
| Pretax return on assets | 0.4738% | 4,332 |
| Return on Equity (ROE) | 3.0196% | 4,385 |
| Retained earnings to average equity (ytd only) | -3.2859% | 4,785 |
| Net charge-offs to loans | 0.1424% | 1,027 |
| Credit loss provision to net charge-offs | 798.4816% | 986 |
| Earnings coverage of net charge-offs (x) | 12.2386% | 2,254 |
| Efficiency ratio | 53.6781% | 4,186 |
| Assets per employee ($millions) | 20.2840% | 85 |
| Cash dividends to net income (ytd only)* | 208.8167% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,956 |
| Loan loss allowance to noncurrent loans | 185.9304% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 1,635 |
| Noncurrent loans to loans | 0.7260% | 1,987 |
| Net loans and leases to total assets | 78.5066% | 769 |
| Net loans and leases to deposits | 91.8212% | 1,091 |
| Net loans and leases to core deposits | 106.5970% | 828 |
| Total domestic deposits to total assets | 85.4994% | 2,247 |
| Equity capital to assets | 10.6026% | 2,704 |
| Core capital (leverage) ratio | 8.6637% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4954% | 3,035 |
| Memoranda: | ||
| Average total assets | $1,663,170,750 | 556 |
| Average earning assets | $1,522,632,000 | 555 |
| Average equity | $190,304,750 | 524 |
| Average total loans | $1,294,545,750 | 507 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 3,643 |
| Cost of funding earning assets | 0.8106% | 1,776 |
| Net interest margin | 3.0822% | 3,942 |
| Noninterest income to average assets | 0.2238% | 4,152 |
| Noninterest expense to average assets | 1.6559% | 4,729 |
| Loan and lease loss provision to assets | 0.8330% | 285 |
| Net operating income to assets | 0.4081% | 4,219 |
| Return on assets (ROA) | 0.4128% | 4,272 |
| Pretax return on assets | 0.5531% | 4,151 |
| Return on Equity (ROE) | 3.5132% | 4,244 |
| Retained earnings to average equity (ytd only) | -5.9280% | 4,810 |
| Net charge-offs to loans | 0.2277% | 682 |
| Credit loss provision to net charge-offs | 473.9130% | 1,275 |
| Earnings coverage of net charge-offs (x) | 7.8520% | 2,335 |
| Efficiency ratio | 53.5342% | 4,227 |
| Assets per employee ($millions) | 18.6791% | 94 |
| Cash dividends to net income (ytd only)* | 268.7369% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,137 |
| Loan loss allowance to noncurrent loans | 121.7684% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 1,536 |
| Noncurrent loans to loans | 0.8932% | 1,711 |
| Net loans and leases to total assets | 76.8933% | 1,007 |
| Net loans and leases to deposits | 90.0414% | 1,353 |
| Net loans and leases to core deposits | 104.3638% | 977 |
| Total domestic deposits to total assets | 85.3976% | 2,240 |
| Equity capital to assets | 10.7204% | 2,553 |
| Core capital (leverage) ratio | 8.8438% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5204% | 3,080 |
| Memoranda: | ||
| Average total assets | $1,622,562,333 | 558 |
| Average earning assets | $1,480,455,333 | 559 |
| Average equity | $190,654,333 | 518 |
| Average total loans | $1,252,556,000 | 511 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,330 |
| Cost of funding earning assets | 0.9376% | 1,706 |
| Net interest margin | 3.2298% | 3,785 |
| Noninterest income to average assets | 0.2437% | 4,102 |
| Noninterest expense to average assets | 1.6690% | 4,806 |
| Loan and lease loss provision to assets | 0.5643% | 504 |
| Net operating income to assets | 0.7034% | 3,261 |
| Return on assets (ROA) | 0.7124% | 3,312 |
| Pretax return on assets | 0.9450% | 3,013 |
| Return on Equity (ROE) | 5.7770% | 3,400 |
| Retained earnings to average equity (ytd only) | -12.9862% | 4,850 |
| Net charge-offs to loans | 0.0421% | 1,614 |
| Credit loss provision to net charge-offs | 1,742.0635% | 374 |
| Earnings coverage of net charge-offs (x) | 46.2460% | 955 |
| Efficiency ratio | 51.6925% | 4,566 |
| Assets per employee ($millions) | 16.6967% | 102 |
| Cash dividends to net income (ytd only)* | 324.7925% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,875 |
| Loan loss allowance to noncurrent loans | 144.0313% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,095 |
| Noncurrent loans to loans | 0.6689% | 2,321 |
| Net loans and leases to total assets | 75.0697% | 1,449 |
| Net loans and leases to deposits | 89.1796% | 1,611 |
| Net loans and leases to core deposits | 104.7893% | 1,132 |
| Total domestic deposits to total assets | 84.1781% | 2,719 |
| Equity capital to assets | 11.8081% | 2,208 |
| Core capital (leverage) ratio | 9.7269% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3885% | 3,250 |
| Memoranda: | ||
| Average total assets | $1,555,924,500 | 556 |
| Average earning assets | $1,408,267,500 | 558 |
| Average equity | $191,865,000 | 516 |
| Average total loans | $1,196,350,500 | 512 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 3,190 |
| Cost of funding earning assets | 1.0667% | 1,445 |
| Net interest margin | 3.3526% | 3,869 |
| Noninterest income to average assets | 0.2863% | 3,970 |
| Noninterest expense to average assets | 2.0124% | 4,514 |
| Loan and lease loss provision to assets | 0.4759% | 272 |
| Net operating income to assets | 0.6438% | 4,027 |
| Return on assets (ROA) | 0.6476% | 4,093 |
| Pretax return on assets | 0.8777% | 3,801 |
| Return on Equity (ROE) | 5.5540% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.2204% | 2,847 |
| Net charge-offs to loans | 0.6042% | 308 |
| Credit loss provision to net charge-offs | 103.2040% | 2,404 |
| Earnings coverage of net charge-offs (x) | 2.9251% | 3,368 |
| Efficiency ratio | 58.8058% | 3,866 |
| Assets per employee ($millions) | 15.5680% | 112 |
| Cash dividends to net income (ytd only)* | 24.0125% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 5,008 |
| Loan loss allowance to noncurrent loans | 89.6939% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5368% | 2,287 |
| Noncurrent loans to loans | 0.4035% | 2,995 |
| Net loans and leases to total assets | 77.7410% | 1,121 |
| Net loans and leases to deposits | 93.1629% | 1,235 |
| Net loans and leases to core deposits | 108.3354% | 955 |
| Total domestic deposits to total assets | 83.4463% | 3,050 |
| Equity capital to assets | 12.8752% | 1,601 |
| Core capital (leverage) ratio | 10.1961% | 3,303 |
| Tier 1 risk-based capital ratio | 11.3932% | 4,689 |
| Total risk-based capital ratio | 11.7205% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,286,047,800 | 621 |
| Average earning assets | $1,179,535,800 | 615 |
| Average equity | $149,963,200 | 624 |
| Average total loans | $981,449,400 | 585 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 3,475 |
| Cost of funding earning assets | 1.0752% | 1,447 |
| Net interest margin | 3.2865% | 4,111 |
| Noninterest income to average assets | 0.2834% | 4,046 |
| Noninterest expense to average assets | 1.8305% | 4,779 |
| Loan and lease loss provision to assets | 0.4375% | 294 |
| Net operating income to assets | 0.7647% | 3,794 |
| Return on assets (ROA) | 0.7699% | 3,843 |
| Pretax return on assets | 1.0413% | 3,472 |
| Return on Equity (ROE) | 6.8233% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.8958% | 2,939 |
| Net charge-offs to loans | 0.5764% | 282 |
| Credit loss provision to net charge-offs | 100.1494% | 2,243 |
| Earnings coverage of net charge-offs (x) | 3.3704% | 3,105 |
| Efficiency ratio | 54.3608% | 4,351 |
| Assets per employee ($millions) | 16.9743% | 92 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4349% | 5,032 |
| Loan loss allowance to noncurrent loans | 40.0641% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 1,368 |
| Noncurrent loans to loans | 1.0855% | 1,463 |
| Net loans and leases to total assets | 74.1460% | 1,787 |
| Net loans and leases to deposits | 88.1308% | 1,912 |
| Net loans and leases to core deposits | 103.8416% | 1,336 |
| Total domestic deposits to total assets | 84.1318% | 2,774 |
| Equity capital to assets | 11.3730% | 2,772 |
| Core capital (leverage) ratio | 9.6243% | 4,049 |
| Tier 1 risk-based capital ratio | 10.9799% | 4,915 |
| Total risk-based capital ratio | 11.3617% | 5,104 |
| Memoranda: | ||
| Average total assets | $1,226,144,000 | 644 |
| Average earning assets | $1,126,476,750 | 643 |
| Average equity | $138,346,000 | 669 |
| Average total loans | $929,218,500 | 618 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 3,433 |
| Cost of funding earning assets | 1.0385% | 1,540 |
| Net interest margin | 3.3277% | 4,082 |
| Noninterest income to average assets | 0.2563% | 4,219 |
| Noninterest expense to average assets | 1.8919% | 4,763 |
| Loan and lease loss provision to assets | 0.6412% | 170 |
| Net operating income to assets | 0.5822% | 4,355 |
| Return on assets (ROA) | 0.5893% | 4,375 |
| Pretax return on assets | 0.7929% | 4,113 |
| Return on Equity (ROE) | 5.2379% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.3010% | 4,013 |
| Net charge-offs to loans | 0.6200% | 247 |
| Credit loss provision to net charge-offs | 135.6519% | 1,613 |
| Earnings coverage of net charge-offs (x) | 3.0147% | 2,885 |
| Efficiency ratio | 55.9673% | 4,247 |
| Assets per employee ($millions) | 15.5991% | 92 |
| Cash dividends to net income (ytd only)* | 56.0695% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5434% | 4,959 |
| Loan loss allowance to noncurrent loans | 95.4132% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 1,935 |
| Noncurrent loans to loans | 0.5695% | 2,553 |
| Net loans and leases to total assets | 75.3571% | 1,655 |
| Net loans and leases to deposits | 89.0832% | 1,851 |
| Net loans and leases to core deposits | 106.9112% | 1,179 |
| Total domestic deposits to total assets | 84.5919% | 2,645 |
| Equity capital to assets | 11.0236% | 3,020 |
| Core capital (leverage) ratio | 9.4593% | 4,191 |
| Tier 1 risk-based capital ratio | 10.5698% | 5,078 |
| Total risk-based capital ratio | 11.0532% | 5,217 |
| Memoranda: | ||
| Average total assets | $1,210,501,330 | 654 |
| Average earning assets | $1,113,379,330 | 649 |
| Average equity | $136,199,000 | 674 |
| Average total loans | $922,939,670 | 622 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 3,347 |
| Cost of funding earning assets | 0.9777% | 1,663 |
| Net interest margin | 3.3903% | 3,914 |
| Noninterest income to average assets | 0.2279% | 4,376 |
| Noninterest expense to average assets | 1.9037% | 4,793 |
| Loan and lease loss provision to assets | 0.2088% | 760 |
| Net operating income to assets | 0.9265% | 3,133 |
| Return on assets (ROA) | 0.9297% | 3,160 |
| Pretax return on assets | 1.2338% | 2,687 |
| Return on Equity (ROE) | 8.1762% | 3,181 |
| Retained earnings to average equity (ytd only) | 2.2728% | 3,989 |
| Net charge-offs to loans | 0.0996% | 1,145 |
| Credit loss provision to net charge-offs | 274.0088% | 871 |
| Earnings coverage of net charge-offs (x) | 18.8811% | 1,610 |
| Efficiency ratio | 55.8847% | 4,350 |
| Assets per employee ($millions) | 16.0789% | 89 |
| Cash dividends to net income (ytd only)* | 72.2022% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 5,088 |
| Loan loss allowance to noncurrent loans | 56.3140% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 1,419 |
| Noncurrent loans to loans | 0.8732% | 1,899 |
| Net loans and leases to total assets | 74.7333% | 1,683 |
| Net loans and leases to deposits | 88.5886% | 1,794 |
| Net loans and leases to core deposits | 104.5215% | 1,276 |
| Total domestic deposits to total assets | 84.3600% | 2,918 |
| Equity capital to assets | 11.1859% | 2,671 |
| Core capital (leverage) ratio | 9.7623% | 3,857 |
| Tier 1 risk-based capital ratio | 10.7919% | 5,071 |
| Total risk-based capital ratio | 11.2292% | 5,240 |
| Memoranda: | ||
| Average total assets | $1,191,788,500 | 669 |
| Average earning assets | $1,094,759,500 | 667 |
| Average equity | $135,515,500 | 672 |
| Average total loans | $911,639,500 | 633 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,497 |
| Cost of funding earning assets | 0.7728% | 1,672 |
| Net interest margin | 3.4071% | 3,982 |
| Noninterest income to average assets | 0.2909% | 4,159 |
| Noninterest expense to average assets | 1.9175% | 4,872 |
| Loan and lease loss provision to assets | 0.0878% | 2,388 |
| Net operating income to assets | 1.0521% | 2,796 |
| Return on assets (ROA) | 1.0465% | 2,805 |
| Pretax return on assets | 1.3970% | 2,148 |
| Return on Equity (ROE) | 9.1470% | 2,920 |
| Retained earnings to average equity (ytd only) | 6.8233% | 1,743 |
| Net charge-offs to loans | 0.0405% | 2,595 |
| Credit loss provision to net charge-offs | 282.3362% | 1,074 |
| Earnings coverage of net charge-offs (x) | 47.9630% | 1,162 |
| Efficiency ratio | 54.9465% | 4,524 |
| Assets per employee ($millions) | 14.5197% | 110 |
| Cash dividends to net income (ytd only)* | 25.4044% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4552% | 5,170 |
| Loan loss allowance to noncurrent loans | 115.7540% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,046 |
| Noncurrent loans to loans | 0.3933% | 3,121 |
| Net loans and leases to total assets | 77.6016% | 1,338 |
| Net loans and leases to deposits | 90.9458% | 1,676 |
| Net loans and leases to core deposits | 106.1886% | 1,256 |
| Total domestic deposits to total assets | 85.3273% | 2,499 |
| Equity capital to assets | 11.5652% | 2,206 |
| Core capital (leverage) ratio | 9.7913% | 3,810 |
| Tier 1 risk-based capital ratio | 10.9984% | 4,986 |
| Total risk-based capital ratio | 11.4082% | 5,202 |
| Memoranda: | ||
| Average total assets | $1,128,395,400 | 682 |
| Average earning assets | $1,032,838,800 | 683 |
| Average equity | $129,101,800 | 670 |
| Average total loans | $867,639,600 | 644 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 3,667 |
| Cost of funding earning assets | 0.7115% | 1,789 |
| Net interest margin | 3.3796% | 4,066 |
| Noninterest income to average assets | 0.3195% | 4,015 |
| Noninterest expense to average assets | 1.9056% | 4,891 |
| Loan and lease loss provision to assets | 0.0848% | 2,273 |
| Net operating income to assets | 1.0627% | 2,814 |
| Return on assets (ROA) | 1.0581% | 2,844 |
| Pretax return on assets | 1.4159% | 2,174 |
| Return on Equity (ROE) | 9.2742% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.1442% | 2,583 |
| Net charge-offs to loans | 0.0519% | 2,091 |
| Credit loss provision to net charge-offs | 213.1737% | 1,320 |
| Earnings coverage of net charge-offs (x) | 37.8924% | 1,398 |
| Efficiency ratio | 54.5055% | 4,562 |
| Assets per employee ($millions) | 15.5899% | 90 |
| Cash dividends to net income (ytd only)* | 33.7496% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 5,256 |
| Loan loss allowance to noncurrent loans | 93.0137% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 1,938 |
| Noncurrent loans to loans | 0.4665% | 2,990 |
| Net loans and leases to total assets | 74.7743% | 1,858 |
| Net loans and leases to deposits | 91.5673% | 1,678 |
| Net loans and leases to core deposits | 109.0587% | 1,095 |
| Total domestic deposits to total assets | 81.6604% | 3,700 |
| Equity capital to assets | 11.0148% | 2,649 |
| Core capital (leverage) ratio | 9.7283% | 3,920 |
| Tier 1 risk-based capital ratio | 10.9117% | 5,077 |
| Total risk-based capital ratio | 11.3035% | 5,315 |
| Memoranda: | ||
| Average total assets | $1,120,099,500 | 681 |
| Average earning assets | $1,024,977,500 | 685 |
| Average equity | $127,792,500 | 673 |
| Average total loans | $858,168,000 | 645 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,555 |
| Cost of funding earning assets | 0.6589% | 1,876 |
| Net interest margin | 3.4102% | 3,920 |
| Noninterest income to average assets | 0.3365% | 3,934 |
| Noninterest expense to average assets | 1.9417% | 4,901 |
| Loan and lease loss provision to assets | 0.1373% | 1,427 |
| Net operating income to assets | 1.0380% | 2,862 |
| Return on assets (ROA) | 1.0327% | 2,881 |
| Pretax return on assets | 1.3707% | 2,256 |
| Return on Equity (ROE) | 8.9402% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.2116% | 3,497 |
| Net charge-offs to loans | 0.0859% | 1,479 |
| Credit loss provision to net charge-offs | 207.1429% | 1,276 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,729 |
| Efficiency ratio | 54.8170% | 4,606 |
| Assets per employee ($millions) | 13.8081% | 125 |
| Cash dividends to net income (ytd only)* | 52.8914% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 5,318 |
| Loan loss allowance to noncurrent loans | 184.3408% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 2,300 |
| Noncurrent loans to loans | 0.2437% | 3,829 |
| Net loans and leases to total assets | 76.7321% | 1,521 |
| Net loans and leases to deposits | 90.5669% | 1,773 |
| Net loans and leases to core deposits | 110.0627% | 995 |
| Total domestic deposits to total assets | 84.7241% | 2,785 |
| Equity capital to assets | 11.4347% | 2,243 |
| Core capital (leverage) ratio | 9.2208% | 4,443 |
| Tier 1 risk-based capital ratio | 10.9100% | 5,106 |
| Total risk-based capital ratio | 11.3155% | 5,351 |
| Memoranda: | ||
| Average total assets | $1,098,523,000 | 694 |
| Average earning assets | $1,005,055,330 | 700 |
| Average equity | $126,887,670 | 675 |
| Average total loans | $847,621,330 | 650 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,878 |
| Cost of funding earning assets | 0.5626% | 2,298 |
| Net interest margin | 3.3556% | 4,036 |
| Noninterest income to average assets | 0.3123% | 4,068 |
| Noninterest expense to average assets | 1.8796% | 5,052 |
| Loan and lease loss provision to assets | 0.1683% | 1,056 |
| Net operating income to assets | 1.0214% | 2,772 |
| Return on assets (ROA) | 1.0127% | 2,828 |
| Pretax return on assets | 1.3306% | 2,247 |
| Return on Equity (ROE) | 8.7225% | 3,041 |
| Retained earnings to average equity (ytd only) | -0.7722% | 4,893 |
| Net charge-offs to loans | 0.1123% | 1,104 |
| Credit loss provision to net charge-offs | 194.0678% | 1,063 |
| Earnings coverage of net charge-offs (x) | 17.4110% | 1,581 |
| Efficiency ratio | 54.0546% | 4,792 |
| Assets per employee ($millions) | 14.2200% | 118 |
| Cash dividends to net income (ytd only)* | 108.8534% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4434% | 5,394 |
| Loan loss allowance to noncurrent loans | 138.2035% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 2,238 |
| Noncurrent loans to loans | 0.3208% | 3,614 |
| Net loans and leases to total assets | 75.0677% | 1,699 |
| Net loans and leases to deposits | 90.7826% | 1,589 |
| Net loans and leases to core deposits | 110.1724% | 998 |
| Total domestic deposits to total assets | 82.6895% | 3,761 |
| Equity capital to assets | 11.3229% | 2,281 |
| Core capital (leverage) ratio | 9.5930% | 3,967 |
| Tier 1 risk-based capital ratio | 10.9502% | 5,159 |
| Total risk-based capital ratio | 11.3515% | 5,406 |
| Memoranda: | ||
| Average total assets | $1,088,555,500 | 704 |
| Average earning assets | $998,215,000 | 706 |
| Average equity | $126,385,500 | 678 |
| Average total loans | $840,387,500 | 652 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 3,578 |
| Cost of funding earning assets | 0.4665% | 2,631 |
| Net interest margin | 3.4814% | 3,587 |
| Noninterest income to average assets | 0.2764% | 4,477 |
| Noninterest expense to average assets | 1.9806% | 4,991 |
| Loan and lease loss provision to assets | 0.0238% | 3,819 |
| Net operating income to assets | 0.9576% | 2,411 |
| Return on assets (ROA) | 0.9577% | 2,447 |
| Pretax return on assets | 1.4336% | 1,875 |
| Return on Equity (ROE) | 7.9140% | 2,831 |
| Retained earnings to average equity (ytd only) | -1.5450% | 5,231 |
| Net charge-offs to loans | 0.0257% | 3,289 |
| Credit loss provision to net charge-offs | 117.3709% | 2,225 |
| Earnings coverage of net charge-offs (x) | 71.7230% | 838 |
| Efficiency ratio | 55.8518% | 4,781 |
| Assets per employee ($millions) | 13.8695% | 116 |
| Cash dividends to net income (ytd only)* | 119.5219% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4133% | 5,475 |
| Loan loss allowance to noncurrent loans | 78.3741% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 1,704 |
| Noncurrent loans to loans | 0.5273% | 2,929 |
| Net loans and leases to total assets | 78.7448% | 1,175 |
| Net loans and leases to deposits | 92.0634% | 1,515 |
| Net loans and leases to core deposits | 111.6982% | 915 |
| Total domestic deposits to total assets | 85.5332% | 2,644 |
| Equity capital to assets | 11.9090% | 1,902 |
| Core capital (leverage) ratio | 9.8494% | 3,641 |
| Tier 1 risk-based capital ratio | 11.0443% | 5,118 |
| Total risk-based capital ratio | 11.4253% | 5,411 |
| Memoranda: | ||
| Average total assets | $1,048,337,200 | 707 |
| Average earning assets | $951,969,800 | 710 |
| Average equity | $126,864,400 | 651 |
| Average total loans | $829,402,800 | 629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 3,509 |
| Cost of funding earning assets | 0.4533% | 2,688 |
| Net interest margin | 3.5001% | 3,500 |
| Noninterest income to average assets | 0.2673% | 4,598 |
| Noninterest expense to average assets | 2.0054% | 4,937 |
| Loan and lease loss provision to assets | 0.0220% | 3,707 |
| Net operating income to assets | 0.8931% | 3,061 |
| Return on assets (ROA) | 0.8934% | 3,113 |
| Pretax return on assets | 1.4134% | 2,080 |
| Return on Equity (ROE) | 7.3529% | 3,467 |
| Retained earnings to average equity (ytd only) | -1.0600% | 5,358 |
| Net charge-offs to loans | 0.0073% | 3,478 |
| Credit loss provision to net charge-offs | 382.2222% | 802 |
| Earnings coverage of net charge-offs (x) | 249.5272% | 354 |
| Efficiency ratio | 56.4462% | 4,682 |
| Assets per employee ($millions) | 14.0165% | 107 |
| Cash dividends to net income (ytd only)* | 114.4165% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4342% | 5,532 |
| Loan loss allowance to noncurrent loans | 111.0663% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 2,012 |
| Noncurrent loans to loans | 0.3910% | 3,553 |
| Net loans and leases to total assets | 77.1257% | 1,405 |
| Net loans and leases to deposits | 88.2424% | 2,024 |
| Net loans and leases to core deposits | 109.5251% | 1,055 |
| Total domestic deposits to total assets | 87.4021% | 1,668 |
| Equity capital to assets | 12.0275% | 1,950 |
| Core capital (leverage) ratio | 9.9334% | 3,646 |
| Tier 1 risk-based capital ratio | 11.3721% | 5,036 |
| Total risk-based capital ratio | 11.7706% | 5,372 |
| Memoranda: | ||
| Average total assets | $1,043,433,750 | 713 |
| Average earning assets | $945,894,000 | 717 |
| Average equity | $126,785,000 | 652 |
| Average total loans | $825,642,000 | 634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,505 |
| Cost of funding earning assets | 0.4310% | 2,795 |
| Net interest margin | 3.4839% | 3,463 |
| Noninterest income to average assets | 0.2696% | 4,616 |
| Noninterest expense to average assets | 2.0441% | 4,889 |
| Loan and lease loss provision to assets | 0.0077% | 3,775 |
| Net operating income to assets | 0.8828% | 3,004 |
| Return on assets (ROA) | 0.8829% | 3,063 |
| Pretax return on assets | 1.3793% | 2,104 |
| Return on Equity (ROE) | 7.2409% | 3,431 |
| Retained earnings to average equity (ytd only) | -5.4235% | 5,550 |
| Net charge-offs to loans | 0.0233% | 2,763 |
| Credit loss provision to net charge-offs | 41.6667% | 2,630 |
| Earnings coverage of net charge-offs (x) | 74.8438% | 805 |
| Efficiency ratio | 57.6821% | 4,643 |
| Assets per employee ($millions) | 13.7532% | 113 |
| Cash dividends to net income (ytd only)* | 174.9016% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4149% | 5,599 |
| Loan loss allowance to noncurrent loans | 91.5792% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 1,640 |
| Noncurrent loans to loans | 0.4531% | 3,387 |
| Net loans and leases to total assets | 78.1629% | 1,224 |
| Net loans and leases to deposits | 89.4659% | 1,805 |
| Net loans and leases to core deposits | 108.2652% | 1,095 |
| Total domestic deposits to total assets | 87.3662% | 1,778 |
| Equity capital to assets | 12.0325% | 1,902 |
| Core capital (leverage) ratio | 9.8219% | 3,749 |
| Tier 1 risk-based capital ratio | 11.1557% | 5,174 |
| Total risk-based capital ratio | 11.5339% | 5,482 |
| Memoranda: | ||
| Average total assets | $1,036,159,670 | 724 |
| Average earning assets | $940,207,000 | 727 |
| Average equity | $126,338,670 | 659 |
| Average total loans | $825,799,670 | 640 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 3,800 |
| Cost of funding earning assets | 0.4015% | 2,979 |
| Net interest margin | 3.3873% | 3,690 |
| Noninterest income to average assets | 0.1935% | 5,113 |
| Noninterest expense to average assets | 2.0608% | 4,922 |
| Loan and lease loss provision to assets | 0.0221% | 3,292 |
| Net operating income to assets | 0.7865% | 3,280 |
| Return on assets (ROA) | 0.7859% | 3,335 |
| Pretax return on assets | 1.1915% | 2,628 |
| Return on Equity (ROE) | 6.4032% | 3,712 |
| Retained earnings to average equity (ytd only) | -12.5506% | 5,629 |
| Net charge-offs to loans | 0.0261% | 2,234 |
| Credit loss provision to net charge-offs | 105.5556% | 1,514 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 823 |
| Efficiency ratio | 60.8974% | 4,337 |
| Assets per employee ($millions) | 12.6499% | 151 |
| Cash dividends to net income (ytd only)* | 296.0039% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4178% | 5,674 |
| Loan loss allowance to noncurrent loans | 66.7758% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 1,464 |
| Noncurrent loans to loans | 0.6257% | 2,948 |
| Net loans and leases to total assets | 79.6610% | 877 |
| Net loans and leases to deposits | 91.1125% | 1,417 |
| Net loans and leases to core deposits | 110.8017% | 842 |
| Total domestic deposits to total assets | 87.4315% | 2,023 |
| Equity capital to assets | 12.0214% | 1,817 |
| Core capital (leverage) ratio | 10.1393% | 3,328 |
| Tier 1 risk-based capital ratio | 11.0554% | 5,277 |
| Total risk-based capital ratio | 11.4387% | 5,602 |
| Memoranda: | ||
| Average total assets | $1,031,619,500 | 732 |
| Average earning assets | $938,560,500 | 735 |
| Average equity | $126,623,500 | 653 |
| Average total loans | $828,502,500 | 639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,533 |
| Cost of funding earning assets | 0.4476% | 2,559 |
| Net interest margin | 3.4642% | 3,564 |
| Noninterest income to average assets | 0.2958% | 4,625 |
| Noninterest expense to average assets | 1.9826% | 5,225 |
| Loan and lease loss provision to assets | -0.0055% | 5,475 |
| Net operating income to assets | 0.8836% | 2,910 |
| Return on assets (ROA) | 0.8872% | 3,009 |
| Pretax return on assets | 1.4286% | 1,824 |
| Return on Equity (ROE) | 7.9793% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.9793% | 861 |
| Net charge-offs to loans | 0.0166% | 3,740 |
| Credit loss provision to net charge-offs | -41.3793% | 4,806 |
| Earnings coverage of net charge-offs (x) | 106.9052% | 564 |
| Efficiency ratio | 57.3825% | 4,917 |
| Assets per employee ($millions) | 11.6585% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4191% | 5,720 |
| Loan loss allowance to noncurrent loans | 78.9929% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 1,641 |
| Noncurrent loans to loans | 0.5306% | 3,259 |
| Net loans and leases to total assets | 80.2920% | 855 |
| Net loans and leases to deposits | 92.4387% | 1,384 |
| Net loans and leases to core deposits | 113.2055% | 729 |
| Total domestic deposits to total assets | 86.8598% | 2,219 |
| Equity capital to assets | 12.5299% | 1,508 |
| Core capital (leverage) ratio | 11.2395% | 2,131 |
| Tier 1 risk-based capital ratio | 11.4975% | 5,057 |
| Total risk-based capital ratio | 11.9912% | 5,373 |
| Memoranda: | ||
| Average total assets | $874,862,600 | 830 |
| Average earning assets | $783,962,400 | 857 |
| Average equity | $97,276,600 | 811 |
| Average total loans | $700,479,200 | 721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 3,939 |
| Cost of funding earning assets | 0.4521% | 2,540 |
| Net interest margin | 3.3430% | 4,046 |
| Noninterest income to average assets | 0.2937% | 4,665 |
| Noninterest expense to average assets | 1.9081% | 5,366 |
| Loan and lease loss provision to assets | -0.0287% | 5,689 |
| Net operating income to assets | 0.8596% | 3,104 |
| Return on assets (ROA) | 0.8711% | 3,172 |
| Pretax return on assets | 1.4157% | 1,985 |
| Return on Equity (ROE) | 8.1511% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.1511% | 1,110 |
| Net charge-offs to loans | 0.0293% | 3,074 |
| Credit loss provision to net charge-offs | -122.4490% | 4,778 |
| Earnings coverage of net charge-offs (x) | 58.4679% | 980 |
| Efficiency ratio | 57.5601% | 4,880 |
| Assets per employee ($millions) | 13.2855% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 5,748 |
| Loan loss allowance to noncurrent loans | 96.8091% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,976 |
| Noncurrent loans to loans | 0.4901% | 3,531 |
| Net loans and leases to total assets | 80.3240% | 844 |
| Net loans and leases to deposits | 93.7484% | 1,281 |
| Net loans and leases to core deposits | 119.4171% | 524 |
| Total domestic deposits to total assets | 85.6804% | 2,524 |
| Equity capital to assets | 10.7840% | 3,264 |
| Core capital (leverage) ratio | 9.5448% | 4,124 |
| Tier 1 risk-based capital ratio | 10.6299% | 5,559 |
| Total risk-based capital ratio | 11.1933% | 5,766 |
| Memoranda: | ||
| Average total assets | $837,090,750 | 866 |
| Average earning assets | $747,060,250 | 891 |
| Average equity | $89,458,250 | 899 |
| Average total loans | $668,793,250 | 743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 3,982 |
| Cost of funding earning assets | 0.4382% | 2,669 |
| Net interest margin | 3.3538% | 4,046 |
| Noninterest income to average assets | 0.2893% | 4,715 |
| Noninterest expense to average assets | 1.8871% | 5,477 |
| Loan and lease loss provision to assets | -0.0203% | 5,786 |
| Net operating income to assets | 0.8625% | 3,036 |
| Return on assets (ROA) | 0.8814% | 3,080 |
| Pretax return on assets | 1.4218% | 1,942 |
| Return on Equity (ROE) | 8.2733% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.2733% | 1,084 |
| Net charge-offs to loans | 0.0243% | 2,998 |
| Credit loss provision to net charge-offs | -105.0000% | 4,608 |
| Earnings coverage of net charge-offs (x) | 71.0250% | 768 |
| Efficiency ratio | 57.2275% | 4,997 |
| Assets per employee ($millions) | 12.2819% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5223% | 5,776 |
| Loan loss allowance to noncurrent loans | 113.5294% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 2,908 |
| Noncurrent loans to loans | 0.4600% | 3,720 |
| Net loans and leases to total assets | 78.0787% | 1,192 |
| Net loans and leases to deposits | 91.1981% | 1,606 |
| Net loans and leases to core deposits | 117.7702% | 583 |
| Total domestic deposits to total assets | 85.6144% | 2,601 |
| Equity capital to assets | 10.7275% | 3,366 |
| Core capital (leverage) ratio | 9.9349% | 3,643 |
| Tier 1 risk-based capital ratio | 10.7107% | 5,573 |
| Total risk-based capital ratio | 11.3141% | 5,772 |
| Memoranda: | ||
| Average total assets | $828,268,000 | 879 |
| Average earning assets | $733,433,330 | 903 |
| Average equity | $88,235,670 | 908 |
| Average total loans | $659,407,000 | 750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 3,993 |
| Cost of funding earning assets | 0.4341% | 2,733 |
| Net interest margin | 3.3527% | 4,031 |
| Noninterest income to average assets | 0.2721% | 4,784 |
| Noninterest expense to average assets | 1.8523% | 5,586 |
| Loan and lease loss provision to assets | -0.1226% | 5,998 |
| Net operating income to assets | 0.9563% | 2,482 |
| Return on assets (ROA) | 0.9669% | 2,536 |
| Pretax return on assets | 1.5664% | 1,386 |
| Return on Equity (ROE) | 9.1095% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.1095% | 1,080 |
| Net charge-offs to loans | 0.0207% | 2,524 |
| Credit loss provision to net charge-offs | -738.2353% | 4,667 |
| Earnings coverage of net charge-offs (x) | 85.9118% | 600 |
| Efficiency ratio | 55.7956% | 5,209 |
| Assets per employee ($millions) | 11.1205% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5161% | 5,850 |
| Loan loss allowance to noncurrent loans | 73.0518% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 0.9687% | 2,288 |
| Noncurrent loans to loans | 0.7065% | 3,079 |
| Net loans and leases to total assets | 79.6858% | 861 |
| Net loans and leases to deposits | 93.6128% | 1,181 |
| Net loans and leases to core deposits | 118.5198% | 509 |
| Total domestic deposits to total assets | 85.1228% | 3,079 |
| Equity capital to assets | 10.8661% | 3,089 |
| Core capital (leverage) ratio | 9.5485% | 4,103 |
| Tier 1 risk-based capital ratio | 10.6653% | 5,675 |
| Total risk-based capital ratio | 11.4768% | 5,785 |
| Memoranda: | ||
| Average total assets | $818,677,000 | 891 |
| Average earning assets | $734,332,500 | 906 |
| Average equity | $86,898,500 | 917 |
| Average total loans | $656,534,500 | 754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 3,645 |
| Cost of funding earning assets | 0.3947% | 3,214 |
| Net interest margin | 3.5234% | 3,440 |
| Noninterest income to average assets | 0.4524% | 3,645 |
| Noninterest expense to average assets | 2.0672% | 5,320 |
| Loan and lease loss provision to assets | 0.0483% | 3,366 |
| Net operating income to assets | 0.9372% | 2,673 |
| Return on assets (ROA) | 0.9386% | 2,746 |
| Pretax return on assets | 1.5286% | 1,469 |
| Return on Equity (ROE) | 8.7557% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.7557% | 716 |
| Net charge-offs to loans | 0.0365% | 3,489 |
| Credit loss provision to net charge-offs | 164.4444% | 1,635 |
| Earnings coverage of net charge-offs (x) | 53.6533% | 955 |
| Efficiency ratio | 56.0049% | 5,344 |
| Assets per employee ($millions) | 11.4661% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5499% | 5,871 |
| Loan loss allowance to noncurrent loans | 160.0088% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 2,965 |
| Noncurrent loans to loans | 0.3437% | 4,235 |
| Net loans and leases to total assets | 79.8468% | 866 |
| Net loans and leases to deposits | 93.7446% | 1,221 |
| Net loans and leases to core deposits | 120.9919% | 455 |
| Total domestic deposits to total assets | 85.1749% | 3,013 |
| Equity capital to assets | 10.3671% | 3,544 |
| Core capital (leverage) ratio | 9.4321% | 4,277 |
| Tier 1 risk-based capital ratio | 10.3483% | 5,843 |
| Total risk-based capital ratio | 11.1965% | 5,911 |
| Memoranda: | ||
| Average total assets | $766,585,800 | 904 |
| Average earning assets | $693,957,000 | 923 |
| Average equity | $82,175,200 | 923 |
| Average total loans | $616,533,000 | 757 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,303 |
| Cost of funding earning assets | 0.3843% | 3,389 |
| Net interest margin | 3.6241% | 3,060 |
| Noninterest income to average assets | 0.4230% | 3,920 |
| Noninterest expense to average assets | 2.0688% | 5,346 |
| Loan and lease loss provision to assets | 0.0273% | 3,708 |
| Net operating income to assets | 0.9746% | 2,598 |
| Return on assets (ROA) | 0.9764% | 2,672 |
| Pretax return on assets | 1.5889% | 1,420 |
| Return on Equity (ROE) | 9.0272% | 2,561 |
| Retained earnings to average equity (ytd only) | 9.0272% | 892 |
| Net charge-offs to loans | 0.0337% | 3,240 |
| Credit loss provision to net charge-offs | 100.6536% | 2,248 |
| Earnings coverage of net charge-offs (x) | 59.4655% | 928 |
| Efficiency ratio | 55.3891% | 5,416 |
| Assets per employee ($millions) | 10.8547% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 5,941 |
| Loan loss allowance to noncurrent loans | 129.7668% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 2,508 |
| Noncurrent loans to loans | 0.4377% | 4,038 |
| Net loans and leases to total assets | 77.4289% | 1,187 |
| Net loans and leases to deposits | 90.8169% | 1,548 |
| Net loans and leases to core deposits | 114.2756% | 658 |
| Total domestic deposits to total assets | 85.2583% | 2,905 |
| Equity capital to assets | 10.6183% | 3,454 |
| Core capital (leverage) ratio | 9.4789% | 4,326 |
| Tier 1 risk-based capital ratio | 10.4196% | 5,909 |
| Total risk-based capital ratio | 11.2734% | 5,990 |
| Memoranda: | ||
| Average total assets | $751,843,000 | 928 |
| Average earning assets | $676,152,250 | 954 |
| Average equity | $81,322,500 | 942 |
| Average total loans | $604,959,750 | 776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,206 |
| Cost of funding earning assets | 0.3618% | 3,673 |
| Net interest margin | 3.6572% | 2,885 |
| Noninterest income to average assets | 0.4521% | 3,689 |
| Noninterest expense to average assets | 2.0947% | 5,351 |
| Loan and lease loss provision to assets | 0.0176% | 3,780 |
| Net operating income to assets | 1.0113% | 2,333 |
| Return on assets (ROA) | 1.0128% | 2,438 |
| Pretax return on assets | 1.6497% | 1,192 |
| Return on Equity (ROE) | 9.3028% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.3028% | 827 |
| Net charge-offs to loans | 0.0293% | 3,081 |
| Credit loss provision to net charge-offs | 73.8636% | 2,413 |
| Earnings coverage of net charge-offs (x) | 69.8409% | 774 |
| Efficiency ratio | 54.9103% | 5,514 |
| Assets per employee ($millions) | 10.3525% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 6,027 |
| Loan loss allowance to noncurrent loans | 105.6078% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 2,426 |
| Noncurrent loans to loans | 0.5351% | 3,851 |
| Net loans and leases to total assets | 81.1152% | 651 |
| Net loans and leases to deposits | 91.9465% | 1,384 |
| Net loans and leases to core deposits | 115.7423% | 599 |
| Total domestic deposits to total assets | 88.2199% | 1,534 |
| Equity capital to assets | 10.8227% | 3,084 |
| Core capital (leverage) ratio | 9.7410% | 3,949 |
| Tier 1 risk-based capital ratio | 10.2738% | 6,007 |
| Total risk-based capital ratio | 11.0618% | 6,093 |
| Memoranda: | ||
| Average total assets | $738,327,330 | 942 |
| Average earning assets | $667,727,000 | 970 |
| Average equity | $80,384,000 | 956 |
| Average total loans | $600,931,670 | 782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 2,959 |
| Cost of funding earning assets | 0.3468% | 3,900 |
| Net interest margin | 3.7218% | 2,547 |
| Noninterest income to average assets | 0.4731% | 3,484 |
| Noninterest expense to average assets | 2.0778% | 5,434 |
| Loan and lease loss provision to assets | 0.0269% | 3,349 |
| Net operating income to assets | 1.0529% | 2,021 |
| Return on assets (ROA) | 1.0564% | 2,140 |
| Pretax return on assets | 1.7154% | 1,020 |
| Return on Equity (ROE) | 9.6736% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.6736% | 998 |
| Net charge-offs to loans | 0.0182% | 2,797 |
| Credit loss provision to net charge-offs | 181.4815% | 1,121 |
| Earnings coverage of net charge-offs (x) | 117.3333% | 428 |
| Efficiency ratio | 53.6648% | 5,702 |
| Assets per employee ($millions) | 10.1468% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 6,081 |
| Loan loss allowance to noncurrent loans | 49.8307% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4028% | 1,890 |
| Noncurrent loans to loans | 1.1736% | 2,429 |
| Net loans and leases to total assets | 81.0622% | 562 |
| Net loans and leases to deposits | 92.1381% | 1,165 |
| Net loans and leases to core deposits | 116.2103% | 517 |
| Total domestic deposits to total assets | 87.9790% | 1,837 |
| Equity capital to assets | 10.9093% | 3,079 |
| Core capital (leverage) ratio | 9.8139% | 3,867 |
| Tier 1 risk-based capital ratio | 10.2808% | 6,084 |
| Total risk-based capital ratio | 11.0980% | 6,169 |
| Memoranda: | ||
| Average total assets | $729,624,000 | 951 |
| Average earning assets | $655,051,500 | 981 |
| Average equity | $79,680,500 | 959 |
| Average total loans | $593,148,000 | 789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 2,572 |
| Cost of funding earning assets | 0.3772% | 3,941 |
| Net interest margin | 3.9325% | 2,112 |
| Noninterest income to average assets | 0.2712% | 5,183 |
| Noninterest expense to average assets | 2.1416% | 5,477 |
| Loan and lease loss provision to assets | 0.0648% | 3,211 |
| Net operating income to assets | 0.9666% | 2,548 |
| Return on assets (ROA) | 0.9680% | 2,626 |
| Pretax return on assets | 1.5897% | 1,268 |
| Return on Equity (ROE) | 8.8555% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.0312% | 4,083 |
| Net charge-offs to loans | 0.2037% | 2,038 |
| Credit loss provision to net charge-offs | 39.2796% | 3,689 |
| Earnings coverage of net charge-offs (x) | 10.0154% | 2,669 |
| Efficiency ratio | 55.5286% | 5,711 |
| Assets per employee ($millions) | 9.8429% | 264 |
| Cash dividends to net income (ytd only)* | 65.7702% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 6,139 |
| Loan loss allowance to noncurrent loans | 103.9337% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,846 |
| Noncurrent loans to loans | 0.5806% | 3,925 |
| Net loans and leases to total assets | 80.5544% | 662 |
| Net loans and leases to deposits | 91.5497% | 1,340 |
| Net loans and leases to core deposits | 110.2819% | 763 |
| Total domestic deposits to total assets | 87.9899% | 1,781 |
| Equity capital to assets | 10.9325% | 2,970 |
| Core capital (leverage) ratio | 9.7942% | 3,839 |
| Tier 1 risk-based capital ratio | 10.5751% | 6,070 |
| Total risk-based capital ratio | 11.1282% | 6,249 |
| Memoranda: | ||
| Average total assets | $706,815,600 | 947 |
| Average earning assets | $633,126,400 | 970 |
| Average equity | $77,262,600 | 951 |
| Average total loans | $572,536,200 | 773 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,416 |
| Cost of funding earning assets | 0.3818% | 4,001 |
| Net interest margin | 3.9697% | 1,965 |
| Noninterest income to average assets | 0.3286% | 4,809 |
| Noninterest expense to average assets | 2.2069% | 5,335 |
| Loan and lease loss provision to assets | 0.0994% | 2,383 |
| Net operating income to assets | 0.9595% | 2,646 |
| Return on assets (ROA) | 0.9609% | 2,713 |
| Pretax return on assets | 1.5798% | 1,393 |
| Return on Equity (ROE) | 8.7911% | 2,791 |
| Retained earnings to average equity (ytd only) | 4.4588% | 3,476 |
| Net charge-offs to loans | 0.2067% | 1,814 |
| Credit loss provision to net charge-offs | 59.3891% | 2,942 |
| Earnings coverage of net charge-offs (x) | 10.0147% | 2,594 |
| Efficiency ratio | 55.8915% | 5,670 |
| Assets per employee ($millions) | 9.5386% | 275 |
| Cash dividends to net income (ytd only)* | 49.2805% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 6,133 |
| Loan loss allowance to noncurrent loans | 117.7744% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 2,792 |
| Noncurrent loans to loans | 0.5745% | 4,195 |
| Net loans and leases to total assets | 80.3388% | 681 |
| Net loans and leases to deposits | 91.5567% | 1,278 |
| Net loans and leases to core deposits | 111.7632% | 668 |
| Total domestic deposits to total assets | 87.7476% | 1,900 |
| Equity capital to assets | 11.1068% | 2,850 |
| Core capital (leverage) ratio | 9.7258% | 4,037 |
| Tier 1 risk-based capital ratio | 10.9041% | 6,042 |
| Total risk-based capital ratio | 11.5289% | 6,237 |
| Memoranda: | ||
| Average total assets | $703,886,000 | 960 |
| Average earning assets | $630,399,750 | 985 |
| Average equity | $76,939,750 | 962 |
| Average total loans | $570,089,000 | 773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 2,477 |
| Cost of funding earning assets | 0.3858% | 4,043 |
| Net interest margin | 3.9437% | 1,998 |
| Noninterest income to average assets | 0.3561% | 4,572 |
| Noninterest expense to average assets | 2.2792% | 5,204 |
| Loan and lease loss provision to assets | 0.1194% | 2,058 |
| Net operating income to assets | 0.9043% | 2,780 |
| Return on assets (ROA) | 0.9053% | 2,876 |
| Pretax return on assets | 1.4877% | 1,573 |
| Return on Equity (ROE) | 8.3266% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,376 |
| Net charge-offs to loans | 0.2443% | 1,583 |
| Credit loss provision to net charge-offs | 60.3448% | 2,632 |
| Earnings coverage of net charge-offs (x) | 8.1121% | 2,533 |
| Efficiency ratio | 57.7379% | 5,588 |
| Assets per employee ($millions) | 9.6110% | 264 |
| Cash dividends to net income (ytd only)* | 47.1254% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6860% | 6,196 |
| Loan loss allowance to noncurrent loans | 87.9760% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 2,429 |
| Noncurrent loans to loans | 0.7797% | 3,747 |
| Net loans and leases to total assets | 80.4265% | 637 |
| Net loans and leases to deposits | 91.8078% | 1,170 |
| Net loans and leases to core deposits | 110.9690% | 652 |
| Total domestic deposits to total assets | 87.6030% | 2,144 |
| Equity capital to assets | 10.8885% | 2,994 |
| Core capital (leverage) ratio | 9.7970% | 3,890 |
| Tier 1 risk-based capital ratio | 10.7162% | 6,164 |
| Total risk-based capital ratio | 11.3537% | 6,324 |
| Memoranda: | ||
| Average total assets | $703,230,330 | 960 |
| Average earning assets | $629,261,670 | 981 |
| Average equity | $76,453,670 | 958 |
| Average total loans | $569,806,330 | 767 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 2,261 |
| Cost of funding earning assets | 0.4052% | 3,904 |
| Net interest margin | 3.9674% | 1,864 |
| Noninterest income to average assets | 0.2757% | 5,165 |
| Noninterest expense to average assets | 2.3231% | 5,136 |
| Loan and lease loss provision to assets | 0.4027% | 418 |
| Net operating income to assets | 0.6779% | 3,799 |
| Return on assets (ROA) | 0.6790% | 3,869 |
| Pretax return on assets | 1.1138% | 2,835 |
| Return on Equity (ROE) | 6.2507% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.2507% | 2,405 |
| Net charge-offs to loans | 0.0713% | 2,436 |
| Credit loss provision to net charge-offs | 697.0297% | 410 |
| Earnings coverage of net charge-offs (x) | 26.2178% | 1,133 |
| Efficiency ratio | 59.5767% | 5,458 |
| Assets per employee ($millions) | 9.1995% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 5,961 |
| Loan loss allowance to noncurrent loans | 67.8030% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9807% | 1,733 |
| Noncurrent loans to loans | 1.2764% | 2,899 |
| Net loans and leases to total assets | 80.2403% | 522 |
| Net loans and leases to deposits | 91.8362% | 967 |
| Net loans and leases to core deposits | 104.7750% | 811 |
| Total domestic deposits to total assets | 87.3733% | 2,584 |
| Equity capital to assets | 11.1112% | 2,616 |
| Core capital (leverage) ratio | 9.7662% | 3,910 |
| Tier 1 risk-based capital ratio | 10.7581% | 6,254 |
| Total risk-based capital ratio | 11.8714% | 6,267 |
| Memoranda: | ||
| Average total assets | $699,238,000 | 976 |
| Average earning assets | $627,813,000 | 990 |
| Average equity | $75,960,000 | 961 |
| Average total loans | $566,731,500 | 774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 2,232 |
| Cost of funding earning assets | 0.4483% | 4,134 |
| Net interest margin | 4.0452% | 1,820 |
| Noninterest income to average assets | 0.3289% | 4,983 |
| Noninterest expense to average assets | 2.2596% | 5,480 |
| Loan and lease loss provision to assets | 0.3928% | 765 |
| Net operating income to assets | 0.7936% | 3,323 |
| Return on assets (ROA) | 0.7937% | 3,418 |
| Pretax return on assets | 1.3210% | 2,073 |
| Return on Equity (ROE) | 7.3424% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.2880% | 2,425 |
| Net charge-offs to loans | 0.3086% | 2,143 |
| Credit loss provision to net charge-offs | 156.0588% | 1,484 |
| Earnings coverage of net charge-offs (x) | 6.8088% | 2,978 |
| Efficiency ratio | 55.8350% | 5,968 |
| Assets per employee ($millions) | 9.4468% | 278 |
| Cash dividends to net income (ytd only)* | 27.9799% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 6,299 |
| Loan loss allowance to noncurrent loans | 48.4883% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0031% | 1,794 |
| Noncurrent loans to loans | 1.5186% | 2,616 |
| Net loans and leases to total assets | 80.5586% | 538 |
| Net loans and leases to deposits | 92.9941% | 961 |
| Net loans and leases to core deposits | 107.7549% | 709 |
| Total domestic deposits to total assets | 86.6276% | 2,924 |
| Equity capital to assets | 10.6218% | 3,016 |
| Core capital (leverage) ratio | 9.5543% | 4,185 |
| Tier 1 risk-based capital ratio | 10.3595% | 6,413 |
| Total risk-based capital ratio | 11.3565% | 6,447 |
| Memoranda: | ||
| Average total assets | $675,486,600 | 987 |
| Average earning assets | $608,516,600 | 1,009 |
| Average equity | $73,013,800 | 973 |
| Average total loans | $550,808,400 | 766 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,163 |
| Cost of funding earning assets | 0.4568% | 4,191 |
| Net interest margin | 4.0610% | 1,756 |
| Noninterest income to average assets | 0.3919% | 4,594 |
| Noninterest expense to average assets | 2.2980% | 5,351 |
| Loan and lease loss provision to assets | 0.5453% | 482 |
| Net operating income to assets | 0.7216% | 3,745 |
| Return on assets (ROA) | 0.7218% | 3,875 |
| Pretax return on assets | 1.1992% | 2,697 |
| Return on Equity (ROE) | 6.6469% | 3,842 |
| Retained earnings to average equity (ytd only) | 3.8866% | 3,925 |
| Net charge-offs to loans | 0.4041% | 1,588 |
| Credit loss provision to net charge-offs | 165.2938% | 1,444 |
| Earnings coverage of net charge-offs (x) | 5.2871% | 3,231 |
| Efficiency ratio | 55.7912% | 5,928 |
| Assets per employee ($millions) | 9.2323% | 291 |
| Cash dividends to net income (ytd only)* | 41.5282% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 6,359 |
| Loan loss allowance to noncurrent loans | 78.4571% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 2,336 |
| Noncurrent loans to loans | 0.9645% | 3,885 |
| Net loans and leases to total assets | 82.6348% | 319 |
| Net loans and leases to deposits | 93.9873% | 831 |
| Net loans and leases to core deposits | 110.5507% | 559 |
| Total domestic deposits to total assets | 87.9213% | 2,181 |
| Equity capital to assets | 10.5933% | 3,170 |
| Core capital (leverage) ratio | 9.5962% | 4,248 |
| Tier 1 risk-based capital ratio | 10.0920% | 6,571 |
| Total risk-based capital ratio | 11.1114% | 6,596 |
| Memoranda: | ||
| Average total assets | $667,230,250 | 1,004 |
| Average earning assets | $599,772,250 | 1,028 |
| Average equity | $72,453,000 | 993 |
| Average total loans | $544,760,250 | 773 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,982 |
| Cost of funding earning assets | 0.4732% | 4,167 |
| Net interest margin | 4.0896% | 1,571 |
| Noninterest income to average assets | 0.2899% | 5,380 |
| Noninterest expense to average assets | 2.3168% | 5,313 |
| Loan and lease loss provision to assets | 0.5091% | 529 |
| Net operating income to assets | 0.6745% | 3,931 |
| Return on assets (ROA) | 0.6745% | 4,093 |
| Pretax return on assets | 1.1372% | 2,935 |
| Return on Equity (ROE) | 6.1591% | 4,068 |
| Retained earnings to average equity (ytd only) | 2.0013% | 4,998 |
| Net charge-offs to loans | 0.3725% | 1,715 |
| Credit loss provision to net charge-offs | 168.5427% | 1,395 |
| Earnings coverage of net charge-offs (x) | 5.4503% | 2,893 |
| Efficiency ratio | 57.3650% | 5,817 |
| Assets per employee ($millions) | 8.3694% | 400 |
| Cash dividends to net income (ytd only)* | 67.5068% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 6,459 |
| Loan loss allowance to noncurrent loans | 100.1758% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 2,879 |
| Noncurrent loans to loans | 0.7275% | 4,470 |
| Net loans and leases to total assets | 81.1549% | 420 |
| Net loans and leases to deposits | 92.3748% | 927 |
| Net loans and leases to core deposits | 108.9815% | 603 |
| Total domestic deposits to total assets | 87.8539% | 2,350 |
| Equity capital to assets | 10.7184% | 3,034 |
| Core capital (leverage) ratio | 9.5675% | 4,130 |
| Tier 1 risk-based capital ratio | 10.4777% | 6,511 |
| Total risk-based capital ratio | 11.1576% | 6,632 |
| Memoranda: | ||
| Average total assets | $658,831,670 | 1,019 |
| Average earning assets | $591,743,330 | 1,042 |
| Average equity | $72,153,670 | 1,000 |
| Average total loans | $534,164,330 | 782 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,779 |
| Cost of funding earning assets | 0.4872% | 4,207 |
| Net interest margin | 4.1307% | 1,372 |
| Noninterest income to average assets | 0.2106% | 5,977 |
| Noninterest expense to average assets | 2.3481% | 5,278 |
| Loan and lease loss provision to assets | 0.3256% | 1,034 |
| Net operating income to assets | 0.7376% | 3,491 |
| Return on assets (ROA) | 0.7376% | 3,628 |
| Pretax return on assets | 1.2426% | 2,425 |
| Return on Equity (ROE) | 6.6622% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.6622% | 2,338 |
| Net charge-offs to loans | 0.2184% | 2,116 |
| Credit loss provision to net charge-offs | 184.7222% | 1,167 |
| Earnings coverage of net charge-offs (x) | 8.8958% | 1,904 |
| Efficiency ratio | 58.8465% | 5,738 |
| Assets per employee ($millions) | 8.2665% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 6,620 |
| Loan loss allowance to noncurrent loans | 98.3126% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 2,700 |
| Noncurrent loans to loans | 0.6981% | 4,732 |
| Net loans and leases to total assets | 78.7560% | 535 |
| Net loans and leases to deposits | 90.2143% | 946 |
| Net loans and leases to core deposits | 102.2959% | 810 |
| Total domestic deposits to total assets | 87.2988% | 2,758 |
| Equity capital to assets | 11.1667% | 2,783 |
| Core capital (leverage) ratio | 9.6452% | 3,855 |
| Tier 1 risk-based capital ratio | 11.1417% | 6,344 |
| Total risk-based capital ratio | 11.7818% | 6,542 |
| Memoranda: | ||
| Average total assets | $653,473,500 | 1,039 |
| Average earning assets | $586,250,500 | 1,056 |
| Average equity | $72,348,000 | 1,008 |
| Average total loans | $527,566,500 | 796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,436 |
| Cost of funding earning assets | 0.5175% | 5,092 |
| Net interest margin | 4.5312% | 889 |
| Noninterest income to average assets | 0.2839% | 5,438 |
| Noninterest expense to average assets | 2.3123% | 5,659 |
| Loan and lease loss provision to assets | 0.2520% | 2,641 |
| Net operating income to assets | 1.0372% | 2,179 |
| Return on assets (ROA) | 1.0408% | 2,366 |
| Pretax return on assets | 1.7256% | 1,079 |
| Return on Equity (ROE) | 9.7206% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.7206% | 650 |
| Net charge-offs to loans | 0.2244% | 3,597 |
| Credit loss provision to net charge-offs | 140.7801% | 1,956 |
| Earnings coverage of net charge-offs (x) | 11.0160% | 2,079 |
| Efficiency ratio | 52.8300% | 6,390 |
| Assets per employee ($millions) | 8.1737% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6172% | 6,735 |
| Loan loss allowance to noncurrent loans | 76.6883% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.9257% | 2,541 |
| Noncurrent loans to loans | 0.8048% | 4,580 |
| Net loans and leases to total assets | 81.6561% | 346 |
| Net loans and leases to deposits | 93.5259% | 777 |
| Net loans and leases to core deposits | 107.1740% | 644 |
| Total domestic deposits to total assets | 87.3085% | 2,642 |
| Equity capital to assets | 10.9761% | 2,979 |
| Core capital (leverage) ratio | 9.4424% | 4,195 |
| Tier 1 risk-based capital ratio | 10.4135% | 6,584 |
| Total risk-based capital ratio | 11.3264% | 6,651 |
| Memoranda: | ||
| Average total assets | $630,097,800 | 1,050 |
| Average earning assets | $556,298,200 | 1,090 |
| Average equity | $67,465,200 | 1,039 |
| Average total loans | $502,588,000 | 823 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 1,398 |
| Cost of funding earning assets | 0.5150% | 5,342 |
| Net interest margin | 4.5987% | 821 |
| Noninterest income to average assets | 0.3285% | 5,168 |
| Noninterest expense to average assets | 2.2780% | 5,747 |
| Loan and lease loss provision to assets | 0.2091% | 2,979 |
| Net operating income to assets | 1.1427% | 1,938 |
| Return on assets (ROA) | 1.1469% | 2,115 |
| Pretax return on assets | 1.8957% | 878 |
| Return on Equity (ROE) | 10.7827% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.7827% | 724 |
| Net charge-offs to loans | 0.2608% | 3,159 |
| Credit loss provision to net charge-offs | 101.3458% | 2,910 |
| Earnings coverage of net charge-offs (x) | 10.1677% | 2,220 |
| Efficiency ratio | 50.8982% | 6,525 |
| Assets per employee ($millions) | 8.5400% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 6,909 |
| Loan loss allowance to noncurrent loans | 81.4594% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 2,574 |
| Noncurrent loans to loans | 0.6839% | 5,071 |
| Net loans and leases to total assets | 79.9521% | 509 |
| Net loans and leases to deposits | 91.6397% | 1,005 |
| Net loans and leases to core deposits | 105.2494% | 789 |
| Total domestic deposits to total assets | 87.2462% | 2,530 |
| Equity capital to assets | 11.0021% | 3,277 |
| Core capital (leverage) ratio | 9.5832% | 4,139 |
| Tier 1 risk-based capital ratio | 10.4497% | 6,684 |
| Total risk-based capital ratio | 11.3069% | 6,762 |
| Memoranda: | ||
| Average total assets | $624,148,250 | 1,065 |
| Average earning assets | $549,358,750 | 1,116 |
| Average equity | $66,388,500 | 1,066 |
| Average total loans | $493,919,500 | 838 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 1,359 |
| Cost of funding earning assets | 0.5047% | 5,588 |
| Net interest margin | 4.6514% | 746 |
| Noninterest income to average assets | 0.4273% | 4,455 |
| Noninterest expense to average assets | 2.2822% | 5,789 |
| Loan and lease loss provision to assets | 0.0928% | 4,398 |
| Net operating income to assets | 1.3034% | 1,432 |
| Return on assets (ROA) | 1.3079% | 1,571 |
| Pretax return on assets | 2.1500% | 523 |
| Return on Equity (ROE) | 12.4437% | 1,519 |
| Retained earnings to average equity (ytd only) | 12.4437% | 513 |
| Net charge-offs to loans | 0.1282% | 3,903 |
| Credit loss provision to net charge-offs | 91.9872% | 2,979 |
| Earnings coverage of net charge-offs (x) | 22.1667% | 1,313 |
| Efficiency ratio | 49.3847% | 6,685 |
| Assets per employee ($millions) | 7.9235% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 6,963 |
| Loan loss allowance to noncurrent loans | 65.4113% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2548% | 2,479 |
| Noncurrent loans to loans | 0.8686% | 4,764 |
| Net loans and leases to total assets | 79.1494% | 602 |
| Net loans and leases to deposits | 91.2863% | 1,022 |
| Net loans and leases to core deposits | 102.6145% | 945 |
| Total domestic deposits to total assets | 86.7046% | 2,955 |
| Equity capital to assets | 10.7300% | 3,421 |
| Core capital (leverage) ratio | 9.2403% | 4,539 |
| Tier 1 risk-based capital ratio | 10.1332% | 6,788 |
| Total risk-based capital ratio | 11.9107% | 6,621 |
| Memoranda: | ||
| Average total assets | $618,698,670 | 1,076 |
| Average earning assets | $544,092,330 | 1,123 |
| Average equity | $65,028,670 | 1,082 |
| Average total loans | $486,906,000 | 847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 1,048 |
| Cost of funding earning assets | 0.5097% | 5,754 |
| Net interest margin | 4.8141% | 550 |
| Noninterest income to average assets | 0.4825% | 4,041 |
| Noninterest expense to average assets | 2.3334% | 5,683 |
| Loan and lease loss provision to assets | 0.0871% | 4,289 |
| Net operating income to assets | 1.3705% | 1,277 |
| Return on assets (ROA) | 1.3663% | 1,442 |
| Pretax return on assets | 2.2567% | 487 |
| Return on Equity (ROE) | 13.1394% | 1,373 |
| Retained earnings to average equity (ytd only) | 13.1394% | 665 |
| Net charge-offs to loans | 0.0066% | 4,650 |
| Credit loss provision to net charge-offs | 1,675.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 451.7500% | 58 |
| Efficiency ratio | 48.7226% | 6,755 |
| Assets per employee ($millions) | 8.1032% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 6,971 |
| Loan loss allowance to noncurrent loans | 45.9830% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.3771% | 2,501 |
| Noncurrent loans to loans | 1.3379% | 4,110 |
| Net loans and leases to total assets | 78.2202% | 570 |
| Net loans and leases to deposits | 90.4996% | 919 |
| Net loans and leases to core deposits | 101.0641% | 924 |
| Total domestic deposits to total assets | 86.4315% | 3,287 |
| Equity capital to assets | 10.5379% | 3,445 |
| Core capital (leverage) ratio | 8.8709% | 5,030 |
| Tier 1 risk-based capital ratio | 9.9236% | 6,894 |
| Total risk-based capital ratio | 11.7570% | 6,725 |
| Memoranda: | ||
| Average total assets | $615,071,000 | 1,080 |
| Average earning assets | $536,755,500 | 1,138 |
| Average equity | $63,960,500 | 1,102 |
| Average total loans | $481,224,000 | 856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 6,097 |
| Cost of funding earning assets | 0.6365% | 5,891 |
| Net interest margin | 3.5498% | 4,934 |
| Noninterest income to average assets | 0.1605% | 6,345 |
| Noninterest expense to average assets | 2.2413% | 6,183 |
| Loan and lease loss provision to assets | 0.4028% | 2,583 |
| Net operating income to assets | 0.3604% | 5,031 |
| Return on assets (ROA) | 0.3791% | 5,128 |
| Pretax return on assets | 0.6673% | 4,447 |
| Return on Equity (ROE) | 3.5228% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.5228% | 3,715 |
| Net charge-offs to loans | 0.4343% | 3,266 |
| Credit loss provision to net charge-offs | 127.5191% | 2,436 |
| Earnings coverage of net charge-offs (x) | 3.2953% | 3,567 |
| Efficiency ratio | 67.6966% | 4,423 |
| Assets per employee ($millions) | 7.6787% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 7,018 |
| Loan loss allowance to noncurrent loans | 61.3798% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2123% | 2,723 |
| Noncurrent loans to loans | 0.9739% | 4,763 |
| Net loans and leases to total assets | 77.3070% | 793 |
| Net loans and leases to deposits | 89.0368% | 1,265 |
| Net loans and leases to core deposits | 95.7975% | 1,513 |
| Total domestic deposits to total assets | 86.8259% | 2,858 |
| Equity capital to assets | 10.2595% | 3,837 |
| Core capital (leverage) ratio | 8.3397% | 5,794 |
| Tier 1 risk-based capital ratio | 9.6299% | 6,929 |
| Total risk-based capital ratio | 11.4610% | 6,778 |
| Memoranda: | ||
| Average total assets | $455,535,200 | 1,441 |
| Average earning assets | $400,615,400 | 1,485 |
| Average equity | $49,023,800 | 1,389 |
| Average total loans | $331,369,200 | 1,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 6,831 |
| Cost of funding earning assets | 0.6561% | 6,006 |
| Net interest margin | 3.1518% | 6,285 |
| Noninterest income to average assets | 0.0382% | 6,990 |
| Noninterest expense to average assets | 1.8115% | 6,985 |
| Loan and lease loss provision to assets | 0.4402% | 2,272 |
| Net operating income to assets | 0.3584% | 5,170 |
| Return on assets (ROA) | 0.3668% | 5,325 |
| Pretax return on assets | 0.6012% | 4,811 |
| Return on Equity (ROE) | 3.3506% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.3506% | 4,341 |
| Net charge-offs to loans | 0.5726% | 2,529 |
| Credit loss provision to net charge-offs | 108.4518% | 3,046 |
| Earnings coverage of net charge-offs (x) | 2.5332% | 3,863 |
| Efficiency ratio | 63.6897% | 5,125 |
| Assets per employee ($millions) | 7.0973% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 7,085 |
| Loan loss allowance to noncurrent loans | 68.8388% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 2.5142% | 2,569 |
| Noncurrent loans to loans | 0.8691% | 5,125 |
| Net loans and leases to total assets | 67.5219% | 2,569 |
| Net loans and leases to deposits | 78.2170% | 2,941 |
| Net loans and leases to core deposits | 83.8654% | 3,081 |
| Total domestic deposits to total assets | 86.3264% | 3,026 |
| Equity capital to assets | 9.8939% | 4,487 |
| Core capital (leverage) ratio | 14.7319% | 722 |
| Tier 1 risk-based capital ratio | 10.7079% | 6,705 |
| Total risk-based capital ratio | 12.6669% | 6,285 |
| Memoranda: | ||
| Average total assets | $415,845,000 | 1,571 |
| Average earning assets | $369,643,750 | 1,612 |
| Average equity | $45,523,750 | 1,496 |
| Average total loans | $294,774,000 | 1,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 5,745 |
| Cost of funding earning assets | 0.7773% | 5,524 |
| Net interest margin | 3.6091% | 4,691 |
| Noninterest income to average assets | -0.1634% | 7,323 |
| Noninterest expense to average assets | 2.0645% | 6,668 |
| Loan and lease loss provision to assets | 0.5973% | 1,619 |
| Net operating income to assets | 0.2807% | 5,448 |
| Return on assets (ROA) | 0.2948% | 5,528 |
| Pretax return on assets | 0.4751% | 5,155 |
| Return on Equity (ROE) | 2.5435% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,673 |
| Net charge-offs to loans | 0.7768% | 1,952 |
| Credit loss provision to net charge-offs | 105.7673% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.8599% | 3,938 |
| Efficiency ratio | 66.1688% | 4,844 |
| Assets per employee ($millions) | 11.0237% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,526 |
| Loan loss allowance to noncurrent loans | 78.9705% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 4,504 |
| Noncurrent loans to loans | 1.1965% | 4,655 |
| Net loans and leases to total assets | 74.7714% | 1,268 |
| Net loans and leases to deposits | 86.3206% | 1,741 |
| Net loans and leases to core deposits | 96.3053% | 1,644 |
| Total domestic deposits to total assets | 86.6206% | 2,977 |
| Equity capital to assets | 11.3764% | 2,621 |
| Core capital (leverage) ratio | 10.1001% | 3,146 |
| Tier 1 risk-based capital ratio | 11.1203% | 6,434 |
| Total risk-based capital ratio | 11.9250% | 6,710 |
| Memoranda: | ||
| Average total assets | $343,906,000 | 1,901 |
| Average earning assets | $312,378,330 | 1,905 |
| Average equity | $39,866,330 | 1,681 |
| Average total loans | $250,006,330 | 1,712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 6,014 |
| Cost of funding earning assets | 0.7720% | 5,741 |
| Net interest margin | 3.5305% | 4,879 |
| Noninterest income to average assets | 0.2227% | 6,138 |
| Noninterest expense to average assets | 2.1397% | 6,550 |
| Loan and lease loss provision to assets | 0.3865% | 2,248 |
| Net operating income to assets | 0.6068% | 3,998 |
| Return on assets (ROA) | 0.6068% | 4,067 |
| Pretax return on assets | 0.9674% | 3,257 |
| Return on Equity (ROE) | 5.1845% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.1845% | 3,070 |
| Net charge-offs to loans | 0.4250% | 2,420 |
| Credit loss provision to net charge-offs | 127.6265% | 2,164 |
| Earnings coverage of net charge-offs (x) | 4.4708% | 2,472 |
| Efficiency ratio | 61.1467% | 5,815 |
| Assets per employee ($millions) | 11.5038% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 6,193 |
| Loan loss allowance to noncurrent loans | 52.9166% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8330% | 3,521 |
| Noncurrent loans to loans | 1.9987% | 3,575 |
| Net loans and leases to total assets | 68.6072% | 2,425 |
| Net loans and leases to deposits | 79.6998% | 2,765 |
| Net loans and leases to core deposits | 88.8627% | 2,496 |
| Total domestic deposits to total assets | 86.0820% | 3,481 |
| Equity capital to assets | 11.5962% | 2,198 |
| Core capital (leverage) ratio | 10.4197% | 2,686 |
| Tier 1 risk-based capital ratio | 12.7857% | 4,985 |
| Total risk-based capital ratio | 13.7167% | 5,271 |
| Memoranda: | ||
| Average total assets | $339,480,000 | 1,935 |
| Average earning assets | $314,512,000 | 1,898 |
| Average equity | $39,734,000 | 1,676 |
| Average total loans | $241,870,500 | 1,778 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 6,325 |
| Cost of funding earning assets | 1.2273% | 4,372 |
| Net interest margin | 3.2980% | 5,987 |
| Noninterest income to average assets | 0.0781% | 6,997 |
| Noninterest expense to average assets | 2.3734% | 6,157 |
| Loan and lease loss provision to assets | 0.7273% | 2,257 |
| Net operating income to assets | -0.0386% | 5,909 |
| Return on assets (ROA) | -0.0160% | 5,980 |
| Pretax return on assets | -0.0180% | 5,918 |
| Return on Equity (ROE) | -0.1656% | 5,981 |
| Retained earnings to average equity (ytd only) | -0.1656% | 5,639 |
| Net charge-offs to loans | 0.6213% | 3,173 |
| Credit loss provision to net charge-offs | 161.1738% | 2,161 |
| Earnings coverage of net charge-offs (x) | 1.5154% | 4,618 |
| Efficiency ratio | 77.4434% | 2,800 |
| Assets per employee ($millions) | 11.1282% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,361 |
| Loan loss allowance to noncurrent loans | 85.8639% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.3204% | 4,387 |
| Noncurrent loans to loans | 1.1721% | 4,762 |
| Net loans and leases to total assets | 72.4816% | 1,988 |
| Net loans and leases to deposits | 84.2952% | 2,407 |
| Net loans and leases to core deposits | 93.7216% | 2,292 |
| Total domestic deposits to total assets | 85.9855% | 3,365 |
| Equity capital to assets | 11.8162% | 2,029 |
| Core capital (leverage) ratio | 10.3076% | 2,763 |
| Tier 1 risk-based capital ratio | 12.5080% | 5,016 |
| Total risk-based capital ratio | 13.4071% | 5,310 |
| Memoranda: | ||
| Average total assets | $294,516,000 | 2,187 |
| Average earning assets | $266,040,200 | 2,209 |
| Average equity | $28,381,200 | 2,295 |
| Average total loans | $213,891,200 | 2,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 6,661 |
| Cost of funding earning assets | 1.3426% | 3,958 |
| Net interest margin | 3.1322% | 6,529 |
| Noninterest income to average assets | 0.0590% | 7,232 |
| Noninterest expense to average assets | 2.4855% | 5,762 |
| Loan and lease loss provision to assets | 0.9128% | 1,661 |
| Net operating income to assets | -0.3319% | 6,460 |
| Return on assets (ROA) | -0.3100% | 6,481 |
| Pretax return on assets | -0.4960% | 6,554 |
| Return on Equity (ROE) | -3.4459% | 6,532 |
| Retained earnings to average equity (ytd only) | -3.4459% | 6,400 |
| Net charge-offs to loans | 0.8248% | 2,390 |
| Credit loss provision to net charge-offs | 152.7429% | 2,532 |
| Earnings coverage of net charge-offs (x) | 0.6403% | 5,399 |
| Efficiency ratio | 86.4468% | 1,583 |
| Assets per employee ($millions) | 11.7522% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,647 |
| Loan loss allowance to noncurrent loans | 66.3426% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.2543% | 3,133 |
| Noncurrent loans to loans | 1.3999% | 4,518 |
| Net loans and leases to total assets | 72.6173% | 2,094 |
| Net loans and leases to deposits | 84.0140% | 2,704 |
| Net loans and leases to core deposits | 95.6202% | 2,306 |
| Total domestic deposits to total assets | 86.4348% | 2,831 |
| Equity capital to assets | 8.7860% | 5,880 |
| Core capital (leverage) ratio | 7.6112% | 6,755 |
| Tier 1 risk-based capital ratio | 8.7863% | 7,403 |
| Total risk-based capital ratio | 12.8262% | 5,845 |
| Memoranda: | ||
| Average total assets | $284,683,500 | 2,284 |
| Average earning assets | $255,321,750 | 2,328 |
| Average equity | $25,614,500 | 2,529 |
| Average total loans | $206,254,750 | 2,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 6,757 |
| Cost of funding earning assets | 1.4449% | 3,592 |
| Net interest margin | 3.0327% | 6,763 |
| Noninterest income to average assets | 0.0669% | 7,247 |
| Noninterest expense to average assets | 2.6379% | 5,177 |
| Loan and lease loss provision to assets | 0.8414% | 1,728 |
| Net operating income to assets | -0.4444% | 6,603 |
| Return on assets (ROA) | -0.4444% | 6,640 |
| Pretax return on assets | -0.7151% | 6,732 |
| Return on Equity (ROE) | -4.8901% | 6,694 |
| Retained earnings to average equity (ytd only) | -4.8901% | 6,546 |
| Net charge-offs to loans | 0.8845% | 2,065 |
| Credit loss provision to net charge-offs | 131.9575% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.1981% | 5,527 |
| Efficiency ratio | 95.1850% | 1,003 |
| Assets per employee ($millions) | 11.5759% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,862 |
| Loan loss allowance to noncurrent loans | 51.3934% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.7970% | 2,584 |
| Noncurrent loans to loans | 1.6856% | 4,161 |
| Net loans and leases to total assets | 70.2240% | 2,852 |
| Net loans and leases to deposits | 81.3769% | 3,367 |
| Net loans and leases to core deposits | 92.8133% | 2,871 |
| Total domestic deposits to total assets | 86.2947% | 2,928 |
| Equity capital to assets | 8.3132% | 6,413 |
| Core capital (leverage) ratio | 7.5311% | 6,802 |
| Tier 1 risk-based capital ratio | 8.1930% | 7,509 |
| Total risk-based capital ratio | 12.5138% | 5,967 |
| Memoranda: | ||
| Average total assets | $265,973,330 | 2,453 |
| Average earning assets | $236,556,000 | 2,524 |
| Average equity | $24,171,330 | 2,676 |
| Average total loans | $191,736,330 | 2,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 6,363 |
| Cost of funding earning assets | 1.6331% | 2,752 |
| Net interest margin | 3.0310% | 6,764 |
| Noninterest income to average assets | 0.0676% | 7,380 |
| Noninterest expense to average assets | 2.5119% | 5,685 |
| Loan and lease loss provision to assets | 1.0977% | 1,117 |
| Net operating income to assets | -0.5390% | 6,856 |
| Return on assets (ROA) | -0.5390% | 6,891 |
| Pretax return on assets | -0.8653% | 6,989 |
| Return on Equity (ROE) | -5.6221% | 6,913 |
| Retained earnings to average equity (ytd only) | -5.6221% | 6,629 |
| Net charge-offs to loans | 0.0339% | 5,101 |
| Credit loss provision to net charge-offs | 4,440.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,859 |
| Efficiency ratio | 91.2312% | 1,333 |
| Assets per employee ($millions) | 9.1260% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 5,175 |
| Loan loss allowance to noncurrent loans | 42.2039% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 3.8299% | 1,814 |
| Noncurrent loans to loans | 2.9765% | 2,695 |
| Net loans and leases to total assets | 73.3092% | 2,125 |
| Net loans and leases to deposits | 85.4237% | 2,698 |
| Net loans and leases to core deposits | 98.5660% | 2,284 |
| Total domestic deposits to total assets | 85.8184% | 3,249 |
| Equity capital to assets | 9.3879% | 4,693 |
| Core capital (leverage) ratio | 7.6313% | 6,699 |
| Tier 1 risk-based capital ratio | 8.6839% | 7,537 |
| Total risk-based capital ratio | 12.2222% | 6,155 |
| Memoranda: | ||
| Average total assets | $242,685,000 | 2,734 |
| Average earning assets | $214,318,500 | 2,812 |
| Average equity | $23,265,500 | 2,797 |
| Average total loans | $176,903,000 | 2,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 5,140 |
| Cost of funding earning assets | 2.4855% | 1,055 |
| Net interest margin | 2.8223% | 7,022 |
| Noninterest income to average assets | 0.0496% | 7,503 |
| Noninterest expense to average assets | 3.0658% | 3,887 |
| Loan and lease loss provision to assets | 2.1875% | 951 |
| Net operating income to assets | -1.6683% | 6,947 |
| Return on assets (ROA) | -1.6683% | 6,950 |
| Pretax return on assets | -2.7058% | 7,211 |
| Return on Equity (ROE) | -17.9933% | 7,078 |
| Retained earnings to average equity (ytd only) | -17.9933% | 7,032 |
| Net charge-offs to loans | 3.0004% | 708 |
| Credit loss provision to net charge-offs | 98.5849% | 5,652 |
| Earnings coverage of net charge-offs (x) | -0.2336% | 6,493 |
| Efficiency ratio | 119.9536% | 608 |
| Assets per employee ($millions) | 8.5345% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 6,562 |
| Loan loss allowance to noncurrent loans | 50.8804% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 3.0502% | 2,286 |
| Noncurrent loans to loans | 1.8944% | 3,811 |
| Net loans and leases to total assets | 70.8152% | 3,048 |
| Net loans and leases to deposits | 83.2497% | 3,412 |
| Net loans and leases to core deposits | 115.0283% | 2,412 |
| Total domestic deposits to total assets | 85.0636% | 3,522 |
| Equity capital to assets | 9.7917% | 4,016 |
| Core capital (leverage) ratio | 7.3885% | 6,904 |
| Tier 1 risk-based capital ratio | 9.4295% | 7,267 |
| Total risk-based capital ratio | 12.8684% | 5,237 |
| Memoranda: | ||
| Average total assets | $219,748,000 | 2,945 |
| Average earning assets | $194,488,000 | 3,042 |
| Average equity | $20,374,200 | 3,150 |
| Average total loans | $162,513,400 | 2,722 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 4,575 |
| Cost of funding earning assets | 2.5664% | 1,117 |
| Net interest margin | 2.9039% | 6,851 |
| Noninterest income to average assets | 0.0955% | 7,425 |
| Noninterest expense to average assets | 3.1970% | 3,306 |
| Loan and lease loss provision to assets | 2.6152% | 621 |
| Net operating income to assets | -1.9378% | 7,289 |
| Return on assets (ROA) | -1.9378% | 7,292 |
| Pretax return on assets | -3.1443% | 7,539 |
| Return on Equity (ROE) | -21.2317% | 7,412 |
| Retained earnings to average equity (ytd only) | -21.2317% | 7,381 |
| Net charge-offs to loans | 3.4150% | 441 |
| Credit loss provision to net charge-offs | 102.6040% | 4,956 |
| Earnings coverage of net charge-offs (x) | -0.2076% | 6,296 |
| Efficiency ratio | 119.4606% | 593 |
| Assets per employee ($millions) | 9.9860% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,618 |
| Loan loss allowance to noncurrent loans | 19.5475% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 4.2594% | 1,467 |
| Noncurrent loans to loans | 5.7108% | 1,079 |
| Net loans and leases to total assets | 62.1958% | 5,211 |
| Net loans and leases to deposits | 72.0570% | 5,632 |
| Net loans and leases to core deposits | 108.7165% | 3,382 |
| Total domestic deposits to total assets | 86.3146% | 2,533 |
| Equity capital to assets | 8.9876% | 5,495 |
| Core capital (leverage) ratio | 7.3752% | 7,103 |
| Tier 1 risk-based capital ratio | 9.8896% | 7,062 |
| Total risk-based capital ratio | 13.5896% | 4,617 |
| Memoranda: | ||
| Average total assets | $214,943,250 | 3,027 |
| Average earning assets | $190,404,250 | 3,113 |
| Average equity | $19,618,000 | 3,300 |
| Average total loans | $160,423,750 | 2,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 4,991 |
| Cost of funding earning assets | 2.6774% | 1,086 |
| Net interest margin | 2.7534% | 7,102 |
| Noninterest income to average assets | 0.0250% | 7,854 |
| Noninterest expense to average assets | 2.3235% | 6,693 |
| Loan and lease loss provision to assets | 2.4084% | 657 |
| Net operating income to assets | -1.4077% | 7,203 |
| Return on assets (ROA) | -1.4077% | 7,210 |
| Pretax return on assets | -2.2815% | 7,367 |
| Return on Equity (ROE) | -15.3218% | 7,344 |
| Retained earnings to average equity (ytd only) | -15.3218% | 7,256 |
| Net charge-offs to loans | 0.5393% | 2,710 |
| Credit loss provision to net charge-offs | 560.2326% | 829 |
| Earnings coverage of net charge-offs (x) | 0.2953% | 5,378 |
| Efficiency ratio | 94.3696% | 1,473 |
| Assets per employee ($millions) | 8.6399% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0601% | 1,465 |
| Loan loss allowance to noncurrent loans | 40.0455% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 5.0472% | 1,044 |
| Noncurrent loans to loans | 5.1444% | 1,171 |
| Net loans and leases to total assets | 75.3035% | 2,365 |
| Net loans and leases to deposits | 87.0831% | 3,341 |
| Net loans and leases to core deposits | 129.2738% | 1,629 |
| Total domestic deposits to total assets | 86.4731% | 2,521 |
| Equity capital to assets | 8.2512% | 6,412 |
| Core capital (leverage) ratio | 6.8094% | 7,650 |
| Tier 1 risk-based capital ratio | 7.2500% | 7,987 |
| Total risk-based capital ratio | 11.0723% | 7,052 |
| Memoranda: | ||
| Average total assets | $200,046,000 | 3,229 |
| Average earning assets | $176,216,670 | 3,312 |
| Average equity | $18,379,000 | 3,495 |
| Average total loans | $159,463,330 | 2,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 3,642 |
| Cost of funding earning assets | 2.8886% | 789 |
| Net interest margin | 2.8410% | 6,897 |
| Noninterest income to average assets | 0.0305% | 7,926 |
| Noninterest expense to average assets | 2.3333% | 6,426 |
| Loan and lease loss provision to assets | 0.0327% | 6,527 |
| Net operating income to assets | 0.0829% | 6,028 |
| Return on assets (ROA) | 0.0829% | 6,194 |
| Pretax return on assets | 0.1352% | 6,090 |
| Return on Equity (ROE) | 0.8471% | 6,174 |
| Retained earnings to average equity (ytd only) | 0.8471% | 5,320 |
| Net charge-offs to loans | 0.0401% | 4,930 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,739 |
| Efficiency ratio | 92.8509% | 1,513 |
| Assets per employee ($millions) | 8.8767% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,698 |
| Loan loss allowance to noncurrent loans | 39.1781% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 3.5476% | 1,510 |
| Noncurrent loans to loans | 2.7261% | 2,407 |
| Net loans and leases to total assets | 81.3957% | 1,118 |
| Net loans and leases to deposits | 96.1133% | 1,924 |
| Net loans and leases to core deposits | 126.5906% | 1,882 |
| Total domestic deposits to total assets | 84.6872% | 3,373 |
| Equity capital to assets | 10.2131% | 3,755 |
| Core capital (leverage) ratio | 8.2721% | 5,955 |
| Tier 1 risk-based capital ratio | 8.4093% | 7,959 |
| Total risk-based capital ratio | 11.0880% | 7,007 |
| Memoranda: | ||
| Average total assets | $183,431,000 | 3,456 |
| Average earning assets | $159,522,500 | 3,580 |
| Average equity | $17,944,500 | 3,568 |
| Average total loans | $149,515,000 | 3,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 6,421 |
| Cost of funding earning assets | 3.4841% | 546 |
| Net interest margin | 2.3177% | 7,900 |
| Noninterest income to average assets | 0.0831% | 7,725 |
| Noninterest expense to average assets | 2.8749% | 4,526 |
| Loan and lease loss provision to assets | 1.9598% | 620 |
| Net operating income to assets | -1.6802% | 7,525 |
| Return on assets (ROA) | -1.6802% | 7,477 |
| Pretax return on assets | -2.7327% | 7,649 |
| Return on Equity (ROE) | -13.8794% | 7,535 |
| Retained earnings to average equity (ytd only) | -13.8794% | 7,392 |
| Net charge-offs to loans | 1.7544% | 629 |
| Credit loss provision to net charge-offs | 133.8462% | 3,970 |
| Earnings coverage of net charge-offs (x) | -0.5279% | 6,493 |
| Efficiency ratio | 135.6615% | 427 |
| Assets per employee ($millions) | 7.4597% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,232 |
| Loan loss allowance to noncurrent loans | 25.5395% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 3.9161% | 1,069 |
| Noncurrent loans to loans | 4.8562% | 929 |
| Net loans and leases to total assets | 79.6403% | 1,741 |
| Net loans and leases to deposits | 93.7696% | 2,809 |
| Net loans and leases to core deposits | 141.6332% | 1,178 |
| Total domestic deposits to total assets | 84.9319% | 2,871 |
| Equity capital to assets | 9.2928% | 4,941 |
| Core capital (leverage) ratio | 7.0505% | 7,654 |
| Tier 1 risk-based capital ratio | 6.9601% | 8,174 |
| Total risk-based capital ratio | 10.0132% | 7,999 |
| Memoranda: | ||
| Average total assets | $128,735,800 | 4,318 |
| Average earning assets | $112,137,800 | 4,466 |
| Average equity | $15,584,200 | 4,008 |
| Average total loans | $107,442,800 | 3,755 |