Home > State Bank of India (California) > Performance and Condition Ratios
State Bank of India (California), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8274% | 795 |
| Cost of funding earning assets | 2.5152% | 351 |
| Net interest margin | 3.3122% | 2,604 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.7517% | 4,062 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2256% | 1,591 |
| Return on assets (ROA) | 1.2260% | 1,563 |
| Pretax return on assets | 1.5707% | 1,291 |
| Return on Equity (ROE) | 8.5400% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.0348% | 2,225 |
| Net charge-offs to loans | 0.0311% | 1,675 |
| Credit loss provision to net charge-offs | 278.3505% | 1,004 |
| Earnings coverage of net charge-offs (x) | 62.7388% | 1,162 |
| Efficiency ratio | 51.5999% | 3,867 |
| Assets per employee ($millions) | 12.7078% | 350 |
| Cash dividends to net income (ytd only)* | 29.3621% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 85.9200% | 162 |
| Net loans and leases to deposits | 102.2495% | 422 |
| Net loans and leases to core deposits | 155.1352% | 180 |
| Total domestic deposits to total assets | 84.0300% | 2,610 |
| Equity capital to assets | 14.5267% | 601 |
| Core capital (leverage) ratio | 15.5097% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3657% | 853 |
| Memoranda: | ||
| Average total assets | $1,111,134,200 | 904 |
| Average earning assets | $1,077,732,400 | 863 |
| Average equity | $159,459,200 | 645 |
| Average total loans | $936,368,200 | 768 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6885% | 803 |
| Cost of funding earning assets | 2.3181% | 394 |
| Net interest margin | 3.3704% | 2,522 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.7647% | 4,035 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2996% | 1,552 |
| Return on assets (ROA) | 1.3003% | 1,531 |
| Pretax return on assets | 1.6123% | 1,326 |
| Return on Equity (ROE) | 9.0900% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.7096% | 2,715 |
| Net charge-offs to loans | 0.0424% | 1,280 |
| Credit loss provision to net charge-offs | 170.6485% | 1,226 |
| Earnings coverage of net charge-offs (x) | 47.2048% | 1,347 |
| Efficiency ratio | 51.3507% | 3,806 |
| Assets per employee ($millions) | 12.6522% | 323 |
| Cash dividends to net income (ytd only)* | 37.1851% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,593 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.2500% | 345 |
| Net loans and leases to deposits | 102.4885% | 413 |
| Net loans and leases to core deposits | 149.3509% | 154 |
| Total domestic deposits to total assets | 81.2300% | 3,347 |
| Equity capital to assets | 13.9133% | 665 |
| Core capital (leverage) ratio | 15.5977% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5140% | 885 |
| Memoranda: | ||
| Average total assets | $1,102,991,750 | 913 |
| Average earning assets | $1,069,990,500 | 868 |
| Average equity | $157,788,500 | 644 |
| Average total loans | $921,397,500 | 778 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5437% | 786 |
| Cost of funding earning assets | 2.0890% | 419 |
| Net interest margin | 3.4547% | 2,374 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.8100% | 3,979 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.4046% | 1,316 |
| Return on assets (ROA) | 1.4057% | 1,297 |
| Pretax return on assets | 1.6199% | 1,372 |
| Return on Equity (ROE) | 9.7300% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.6360% | 3,047 |
| Net charge-offs to loans | 0.0648% | 909 |
| Credit loss provision to net charge-offs | 170.6485% | 1,121 |
| Earnings coverage of net charge-offs (x) | 31.7270% | 1,521 |
| Efficiency ratio | 51.4112% | 3,817 |
| Assets per employee ($millions) | 12.1975% | 358 |
| Cash dividends to net income (ytd only)* | 52.3629% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,402 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 83.1300% | 321 |
| Net loans and leases to deposits | 103.7839% | 376 |
| Net loans and leases to core deposits | 145.5201% | 164 |
| Total domestic deposits to total assets | 80.1000% | 3,568 |
| Equity capital to assets | 14.4878% | 580 |
| Core capital (leverage) ratio | 15.9198% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1092% | 803 |
| Memoranda: | ||
| Average total assets | $1,086,873,667 | 912 |
| Average earning assets | $1,054,451,333 | 869 |
| Average equity | $156,988,000 | 647 |
| Average total loans | $904,585,333 | 781 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4396% | 677 |
| Cost of funding earning assets | 1.8592% | 400 |
| Net interest margin | 3.5804% | 2,169 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.8698% | 3,918 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.6704% | 869 |
| Return on assets (ROA) | 1.6730% | 863 |
| Pretax return on assets | 1.5942% | 1,473 |
| Return on Equity (ROE) | 11.6000% | 2,323 |
| Retained earnings to average equity (ytd only) | 1.3414% | 3,817 |
| Net charge-offs to loans | 0.1369% | 490 |
| Credit loss provision to net charge-offs | 163.3987% | 914 |
| Earnings coverage of net charge-offs (x) | 15.6961% | 1,534 |
| Efficiency ratio | 51.2781% | 3,831 |
| Assets per employee ($millions) | 11.5621% | 447 |
| Cash dividends to net income (ytd only)* | 88.4369% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,314 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 81.7400% | 393 |
| Net loans and leases to deposits | 101.0450% | 392 |
| Net loans and leases to core deposits | 140.7907% | 179 |
| Total domestic deposits to total assets | 80.9000% | 3,647 |
| Equity capital to assets | 14.5859% | 520 |
| Core capital (leverage) ratio | 15.3557% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3031% | 806 |
| Memoranda: | ||
| Average total assets | $1,081,421,500 | 933 |
| Average earning assets | $1,049,041,500 | 893 |
| Average equity | $155,960,000 | 661 |
| Average total loans | $893,921,500 | 800 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 1,143 |
| Cost of funding earning assets | 0.7414% | 491 |
| Net interest margin | 3.5179% | 1,872 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.8391% | 3,951 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.2209% | 1,697 |
| Return on assets (ROA) | 1.2209% | 1,648 |
| Pretax return on assets | 1.6077% | 1,152 |
| Return on Equity (ROE) | 8.1400% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.7693% | 2,333 |
| Net charge-offs to loans | 0.0548% | 1,115 |
| Credit loss provision to net charge-offs | 340.4255% | 849 |
| Earnings coverage of net charge-offs (x) | 38.3511% | 1,530 |
| Efficiency ratio | 51.0376% | 4,062 |
| Assets per employee ($millions) | 12.3588% | 353 |
| Cash dividends to net income (ytd only)* | 16.8364% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,307 |
| Loan loss allowance to noncurrent loans | 122.4864% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9822% | 442 |
| Noncurrent loans to loans | 1.1927% | 592 |
| Net loans and leases to total assets | 81.1400% | 489 |
| Net loans and leases to deposits | 95.5813% | 672 |
| Net loans and leases to core deposits | 137.3185% | 158 |
| Total domestic deposits to total assets | 84.9000% | 3,020 |
| Equity capital to assets | 14.2595% | 546 |
| Core capital (leverage) ratio | 15.2955% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1199% | 815 |
| Memoranda: | ||
| Average total assets | $1,021,636,000 | 960 |
| Average earning assets | $989,985,600 | 917 |
| Average equity | $153,235,200 | 670 |
| Average total loans | $857,526,800 | 780 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 1,343 |
| Cost of funding earning assets | 0.5170% | 690 |
| Net interest margin | 3.4444% | 1,825 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.8361% | 3,909 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2229% | 1,619 |
| Return on assets (ROA) | 1.2229% | 1,594 |
| Pretax return on assets | 1.5610% | 1,228 |
| Return on Equity (ROE) | 8.0500% | 3,315 |
| Retained earnings to average equity (ytd only) | 6.2138% | 2,670 |
| Net charge-offs to loans | -0.0002% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.8233% | 4,028 |
| Assets per employee ($millions) | 11.6819% | 424 |
| Cash dividends to net income (ytd only)* | 22.7682% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,424 |
| Loan loss allowance to noncurrent loans | 57.6303% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.1078% | 120 |
| Noncurrent loans to loans | 2.5331% | 208 |
| Net loans and leases to total assets | 81.9900% | 376 |
| Net loans and leases to deposits | 98.3252% | 437 |
| Net loans and leases to core deposits | 138.2205% | 106 |
| Total domestic deposits to total assets | 83.3900% | 3,627 |
| Equity capital to assets | 14.0933% | 559 |
| Core capital (leverage) ratio | 15.3819% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5895% | 910 |
| Memoranda: | ||
| Average total assets | $1,005,152,000 | 983 |
| Average earning assets | $973,471,500 | 934 |
| Average equity | $152,773,500 | 677 |
| Average total loans | $848,012,250 | 780 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 1,439 |
| Cost of funding earning assets | 0.3927% | 966 |
| Net interest margin | 3.3484% | 1,766 |
| Noninterest income to average assets | 0.2187% | 3,884 |
| Noninterest expense to average assets | 1.8351% | 3,875 |
| Loan and lease loss provision to assets | 0.2240% | 351 |
| Net operating income to assets | 1.1858% | 1,477 |
| Return on assets (ROA) | 1.1858% | 1,453 |
| Pretax return on assets | 1.4037% | 1,429 |
| Return on Equity (ROE) | 7.6001% | 3,136 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,759 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9938% | 4,045 |
| Assets per employee ($millions) | 11.5426% | 430 |
| Cash dividends to net income (ytd only)* | 36.0701% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 1,430 |
| Loan loss allowance to noncurrent loans | 73.4609% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 190 |
| Noncurrent loans to loans | 2.0310% | 320 |
| Net loans and leases to total assets | 82.9677% | 239 |
| Net loans and leases to deposits | 105.5871% | 139 |
| Net loans and leases to core deposits | 135.5371% | 92 |
| Total domestic deposits to total assets | 78.5775% | 4,322 |
| Equity capital to assets | 14.6094% | 455 |
| Core capital (leverage) ratio | 16.0794% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6520% | 898 |
| Memoranda: | ||
| Average total assets | $981,957,000 | 991 |
| Average earning assets | $951,373,667 | 957 |
| Average equity | $153,209,333 | 682 |
| Average total loans | $832,589,333 | 779 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 1,299 |
| Cost of funding earning assets | 0.3518% | 1,185 |
| Net interest margin | 3.3350% | 1,484 |
| Noninterest income to average assets | 0.2190% | 3,846 |
| Noninterest expense to average assets | 1.8995% | 3,683 |
| Loan and lease loss provision to assets | 0.2097% | 340 |
| Net operating income to assets | 1.3650% | 868 |
| Return on assets (ROA) | 1.3650% | 859 |
| Pretax return on assets | 1.3432% | 1,398 |
| Return on Equity (ROE) | 8.4558% | 2,535 |
| Retained earnings to average equity (ytd only) | 2.9988% | 3,263 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0182% | 3,973 |
| Assets per employee ($millions) | 11.4218% | 456 |
| Cash dividends to net income (ytd only)* | 64.5360% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.9065% | 89 |
| Net loans and leases to deposits | 103.1821% | 126 |
| Net loans and leases to core deposits | 129.4955% | 95 |
| Total domestic deposits to total assets | 81.3189% | 4,166 |
| Equity capital to assets | 15.6853% | 342 |
| Core capital (leverage) ratio | 16.5118% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4991% | 824 |
| Memoranda: | ||
| Average total assets | $953,518,500 | 1,031 |
| Average earning assets | $924,484,000 | 988 |
| Average equity | $153,930,500 | 697 |
| Average total loans | $811,408,500 | 791 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 2,418 |
| Cost of funding earning assets | 0.4249% | 1,361 |
| Net interest margin | 3.1659% | 2,692 |
| Noninterest income to average assets | 0.2159% | 4,071 |
| Noninterest expense to average assets | 1.9123% | 3,900 |
| Loan and lease loss provision to assets | 0.1423% | 842 |
| Net operating income to assets | 0.9436% | 2,891 |
| Return on assets (ROA) | 0.9858% | 2,800 |
| Pretax return on assets | 1.2726% | 2,451 |
| Return on Equity (ROE) | 5.7610% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.4512% | 3,031 |
| Net charge-offs to loans | -0.0017% | 3,336 |
| Credit loss provision to net charge-offs | -10,583.3333% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4124% | 3,378 |
| Assets per employee ($millions) | 11.0139% | 504 |
| Cash dividends to net income (ytd only)* | 22.7350% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 83.7229% | 115 |
| Net loans and leases to deposits | 102.5467% | 153 |
| Net loans and leases to core deposits | 123.5973% | 135 |
| Total domestic deposits to total assets | 81.6437% | 4,018 |
| Equity capital to assets | 16.6185% | 316 |
| Core capital (leverage) ratio | 16.9177% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0247% | 753 |
| Memoranda: | ||
| Average total assets | $892,341,600 | 1,051 |
| Average earning assets | $861,866,200 | 1,021 |
| Average equity | $152,698,800 | 701 |
| Average total loans | $726,565,600 | 850 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5721% | 2,630 |
| Cost of funding earning assets | 0.4391% | 1,424 |
| Net interest margin | 3.1330% | 2,952 |
| Noninterest income to average assets | 0.2106% | 4,142 |
| Noninterest expense to average assets | 1.9005% | 3,944 |
| Loan and lease loss provision to assets | 0.0786% | 1,501 |
| Net operating income to assets | 1.0053% | 2,887 |
| Return on assets (ROA) | 1.0630% | 2,746 |
| Pretax return on assets | 1.3255% | 2,556 |
| Return on Equity (ROE) | 6.1648% | 3,873 |
| Retained earnings to average equity (ytd only) | 4.4102% | 3,444 |
| Net charge-offs to loans | -0.0019% | 3,205 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7935% | 3,156 |
| Assets per employee ($millions) | 10.0218% | 635 |
| Cash dividends to net income (ytd only)* | 28.4616% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,549 |
| Loan loss allowance to noncurrent loans | 48.9535% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 2.5658% | 118 |
| Noncurrent loans to loans | 3.1065% | 208 |
| Net loans and leases to total assets | 81.3368% | 229 |
| Net loans and leases to deposits | 98.7111% | 258 |
| Net loans and leases to core deposits | 118.2963% | 202 |
| Total domestic deposits to total assets | 82.3988% | 3,845 |
| Equity capital to assets | 17.3068% | 320 |
| Core capital (leverage) ratio | 17.8488% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8894% | 703 |
| Memoranda: | ||
| Average total assets | $881,380,750 | 1,073 |
| Average earning assets | $850,116,250 | 1,043 |
| Average equity | $151,978,500 | 716 |
| Average total loans | $709,268,250 | 885 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 2,699 |
| Cost of funding earning assets | 0.4687% | 1,393 |
| Net interest margin | 3.1071% | 3,013 |
| Noninterest income to average assets | 0.1955% | 4,221 |
| Noninterest expense to average assets | 1.9306% | 3,890 |
| Loan and lease loss provision to assets | 0.0911% | 1,374 |
| Net operating income to assets | 1.0130% | 2,849 |
| Return on assets (ROA) | 1.0906% | 2,649 |
| Pretax return on assets | 1.2681% | 2,715 |
| Return on Equity (ROE) | 6.3327% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.6869% | 3,621 |
| Net charge-offs to loans | -0.0023% | 3,221 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3389% | 2,972 |
| Assets per employee ($millions) | 10.1596% | 580 |
| Cash dividends to net income (ytd only)* | 41.7798% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 1,208 |
| Loan loss allowance to noncurrent loans | 43.5672% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8773% | 102 |
| Noncurrent loans to loans | 3.7424% | 158 |
| Net loans and leases to total assets | 75.6307% | 624 |
| Net loans and leases to deposits | 91.8816% | 546 |
| Net loans and leases to core deposits | 112.9659% | 301 |
| Total domestic deposits to total assets | 82.3133% | 3,858 |
| Equity capital to assets | 17.2397% | 312 |
| Core capital (leverage) ratio | 17.2145% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2154% | 603 |
| Memoranda: | ||
| Average total assets | $877,860,667 | 1,077 |
| Average earning assets | $848,777,000 | 1,035 |
| Average equity | $151,182,667 | 713 |
| Average total loans | $700,131,333 | 894 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 2,592 |
| Cost of funding earning assets | 0.5025% | 1,380 |
| Net interest margin | 3.1133% | 2,944 |
| Noninterest income to average assets | 0.2048% | 4,156 |
| Noninterest expense to average assets | 1.9821% | 3,773 |
| Loan and lease loss provision to assets | 0.1829% | 672 |
| Net operating income to assets | 1.0873% | 2,522 |
| Return on assets (ROA) | 1.2688% | 2,001 |
| Pretax return on assets | 1.2327% | 2,753 |
| Return on Equity (ROE) | 7.3713% | 3,505 |
| Retained earnings to average equity (ytd only) | 2.0586% | 3,997 |
| Net charge-offs to loans | -0.0028% | 3,206 |
| Credit loss provision to net charge-offs | -8,000.0000% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6292% | 2,816 |
| Assets per employee ($millions) | 10.4202% | 527 |
| Cash dividends to net income (ytd only)* | 72.0721% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,392 |
| Loan loss allowance to noncurrent loans | 42.2206% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.9974% | 97 |
| Noncurrent loans to loans | 3.6982% | 164 |
| Net loans and leases to total assets | 79.7851% | 346 |
| Net loans and leases to deposits | 97.3447% | 365 |
| Net loans and leases to core deposits | 121.2838% | 229 |
| Total domestic deposits to total assets | 81.9613% | 3,900 |
| Equity capital to assets | 17.0815% | 302 |
| Core capital (leverage) ratio | 16.8456% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1357% | 669 |
| Memoranda: | ||
| Average total assets | $874,849,000 | 1,068 |
| Average earning assets | $846,176,500 | 1,028 |
| Average equity | $150,584,500 | 712 |
| Average total loans | $710,413,000 | 889 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 2,786 |
| Cost of funding earning assets | 0.9258% | 786 |
| Net interest margin | 3.0564% | 3,737 |
| Noninterest income to average assets | 0.0053% | 4,949 |
| Noninterest expense to average assets | 1.9573% | 4,219 |
| Loan and lease loss provision to assets | 0.1722% | 2,238 |
| Net operating income to assets | 0.5808% | 3,809 |
| Return on assets (ROA) | 0.6481% | 3,725 |
| Pretax return on assets | 0.9238% | 3,303 |
| Return on Equity (ROE) | 3.8729% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.8729% | 2,886 |
| Net charge-offs to loans | -0.0128% | 4,316 |
| Credit loss provision to net charge-offs | -1,645.1613% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9449% | 2,541 |
| Assets per employee ($millions) | 9.7156% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,585 |
| Loan loss allowance to noncurrent loans | 39.9775% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.0530% | 117 |
| Noncurrent loans to loans | 3.7525% | 163 |
| Net loans and leases to total assets | 80.1372% | 415 |
| Net loans and leases to deposits | 98.4316% | 443 |
| Net loans and leases to core deposits | 125.9839% | 241 |
| Total domestic deposits to total assets | 81.4141% | 3,783 |
| Equity capital to assets | 17.3439% | 311 |
| Core capital (leverage) ratio | 16.9911% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9559% | 663 |
| Memoranda: | ||
| Average total assets | $888,422,200 | 979 |
| Average earning assets | $861,213,000 | 937 |
| Average equity | $148,674,200 | 683 |
| Average total loans | $728,255,000 | 852 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,505 |
| Cost of funding earning assets | 1.0230% | 707 |
| Net interest margin | 3.1331% | 3,661 |
| Noninterest income to average assets | 0.0740% | 4,842 |
| Noninterest expense to average assets | 1.9849% | 4,183 |
| Loan and lease loss provision to assets | 0.1906% | 2,082 |
| Net operating income to assets | 0.6462% | 3,640 |
| Return on assets (ROA) | 0.7356% | 3,437 |
| Pretax return on assets | 1.0506% | 2,907 |
| Return on Equity (ROE) | 4.4354% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.4354% | 2,832 |
| Net charge-offs to loans | -0.0155% | 4,348 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7630% | 2,779 |
| Assets per employee ($millions) | 9.8517% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,661 |
| Loan loss allowance to noncurrent loans | 519.4611% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,319 |
| Noncurrent loans to loans | 0.2728% | 3,317 |
| Net loans and leases to total assets | 81.6789% | 458 |
| Net loans and leases to deposits | 105.0300% | 356 |
| Net loans and leases to core deposits | 137.0627% | 180 |
| Total domestic deposits to total assets | 77.7673% | 4,232 |
| Equity capital to assets | 17.0447% | 368 |
| Core capital (leverage) ratio | 16.4553% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5924% | 713 |
| Memoranda: | ||
| Average total assets | $891,927,750 | 957 |
| Average earning assets | $865,106,250 | 921 |
| Average equity | $147,929,000 | 674 |
| Average total loans | $732,470,750 | 843 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 2,699 |
| Cost of funding earning assets | 1.1565% | 599 |
| Net interest margin | 3.0618% | 3,988 |
| Noninterest income to average assets | 0.0318% | 4,954 |
| Noninterest expense to average assets | 2.0106% | 4,216 |
| Loan and lease loss provision to assets | 0.2853% | 1,505 |
| Net operating income to assets | 0.4977% | 4,026 |
| Return on assets (ROA) | 0.5264% | 4,028 |
| Pretax return on assets | 0.7463% | 3,752 |
| Return on Equity (ROE) | 3.2030% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.2030% | 3,304 |
| Net charge-offs to loans | -0.0036% | 3,917 |
| Credit loss provision to net charge-offs | -9,807.6923% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8851% | 2,398 |
| Assets per employee ($millions) | 9.8662% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,641 |
| Loan loss allowance to noncurrent loans | 457.6361% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,318 |
| Noncurrent loans to loans | 0.3023% | 3,306 |
| Net loans and leases to total assets | 81.1784% | 481 |
| Net loans and leases to deposits | 103.1791% | 407 |
| Net loans and leases to core deposits | 140.2224% | 166 |
| Total domestic deposits to total assets | 78.6772% | 4,081 |
| Equity capital to assets | 16.4250% | 419 |
| Core capital (leverage) ratio | 15.9695% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0203% | 775 |
| Memoranda: | ||
| Average total assets | $893,684,667 | 945 |
| Average earning assets | $868,105,000 | 902 |
| Average equity | $146,862,667 | 670 |
| Average total loans | $731,753,667 | 825 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 2,312 |
| Cost of funding earning assets | 1.3168% | 543 |
| Net interest margin | 3.1830% | 3,904 |
| Noninterest income to average assets | 0.0798% | 4,893 |
| Noninterest expense to average assets | 2.1049% | 4,208 |
| Loan and lease loss provision to assets | 0.4511% | 671 |
| Net operating income to assets | 0.4484% | 4,020 |
| Return on assets (ROA) | 0.4484% | 4,073 |
| Pretax return on assets | 0.6230% | 3,881 |
| Return on Equity (ROE) | 2.7279% | 4,282 |
| Retained earnings to average equity (ytd only) | 2.7279% | 3,186 |
| Net charge-offs to loans | -0.0050% | 3,865 |
| Credit loss provision to net charge-offs | -11,111.1111% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2126% | 2,927 |
| Assets per employee ($millions) | 9.8486% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,753 |
| Loan loss allowance to noncurrent loans | 3,944.7059% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,481 |
| Noncurrent loans to loans | 0.0351% | 4,421 |
| Net loans and leases to total assets | 79.0699% | 815 |
| Net loans and leases to deposits | 104.6864% | 341 |
| Net loans and leases to core deposits | 145.4749% | 138 |
| Total domestic deposits to total assets | 75.5303% | 4,533 |
| Equity capital to assets | 16.3098% | 530 |
| Core capital (leverage) ratio | 16.4957% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,684,000 | 924 |
| Average earning assets | $863,324,500 | 879 |
| Average equity | $145,750,500 | 671 |
| Average total loans | $724,039,000 | 815 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 1,542 |
| Cost of funding earning assets | 1.3957% | 574 |
| Net interest margin | 3.5781% | 3,204 |
| Noninterest income to average assets | 0.2569% | 4,139 |
| Noninterest expense to average assets | 2.2300% | 4,107 |
| Loan and lease loss provision to assets | 0.0585% | 2,865 |
| Net operating income to assets | 1.0163% | 2,791 |
| Return on assets (ROA) | 1.0261% | 2,841 |
| Pretax return on assets | 1.4649% | 1,918 |
| Return on Equity (ROE) | 5.9403% | 3,937 |
| Retained earnings to average equity (ytd only) | 2.3725% | 3,835 |
| Net charge-offs to loans | -0.0524% | 4,830 |
| Credit loss provision to net charge-offs | -132.3120% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6092% | 3,750 |
| Assets per employee ($millions) | 9.5307% | 409 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,150 |
| Loan loss allowance to noncurrent loans | 3,549.0196% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,497 |
| Noncurrent loans to loans | 0.0353% | 4,421 |
| Net loans and leases to total assets | 82.1563% | 540 |
| Net loans and leases to deposits | 100.0090% | 608 |
| Net loans and leases to core deposits | 150.3201% | 114 |
| Total domestic deposits to total assets | 82.1489% | 3,466 |
| Equity capital to assets | 16.5714% | 521 |
| Core capital (leverage) ratio | 16.7354% | 443 |
| Tier 1 risk-based capital ratio | 18.9983% | 1,515 |
| Total risk-based capital ratio | 20.2093% | 1,491 |
| Memoranda: | ||
| Average total assets | $811,301,600 | 963 |
| Average earning assets | $789,996,000 | 917 |
| Average equity | $140,145,200 | 666 |
| Average total loans | $684,644,400 | 826 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 1,441 |
| Cost of funding earning assets | 1.3756% | 621 |
| Net interest margin | 3.6651% | 3,047 |
| Noninterest income to average assets | 0.2510% | 4,236 |
| Noninterest expense to average assets | 2.2617% | 4,049 |
| Loan and lease loss provision to assets | 0.0794% | 2,321 |
| Net operating income to assets | 1.0382% | 2,828 |
| Return on assets (ROA) | 1.0373% | 2,914 |
| Pretax return on assets | 1.4761% | 2,029 |
| Return on Equity (ROE) | 5.9393% | 4,064 |
| Retained earnings to average equity (ytd only) | 1.1519% | 4,525 |
| Net charge-offs to loans | -0.0276% | 4,675 |
| Credit loss provision to net charge-offs | -339.2857% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2318% | 3,776 |
| Assets per employee ($millions) | 9.4317% | 413 |
| Cash dividends to net income (ytd only)* | 80.6062% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,147 |
| Loan loss allowance to noncurrent loans | 1,190.0270% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,274 |
| Noncurrent loans to loans | 0.1063% | 4,166 |
| Net loans and leases to total assets | 82.1358% | 552 |
| Net loans and leases to deposits | 100.3182% | 603 |
| Net loans and leases to core deposits | 143.5028% | 152 |
| Total domestic deposits to total assets | 81.8752% | 3,503 |
| Equity capital to assets | 16.9052% | 493 |
| Core capital (leverage) ratio | 17.1250% | 421 |
| Tier 1 risk-based capital ratio | 19.0426% | 1,557 |
| Total risk-based capital ratio | 20.2461% | 1,544 |
| Memoranda: | ||
| Average total assets | $797,302,500 | 977 |
| Average earning assets | $776,052,750 | 933 |
| Average equity | $139,250,750 | 664 |
| Average total loans | $675,408,000 | 835 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 1,419 |
| Cost of funding earning assets | 1.3320% | 681 |
| Net interest margin | 3.6909% | 2,957 |
| Noninterest income to average assets | 0.2038% | 4,530 |
| Noninterest expense to average assets | 2.2925% | 4,023 |
| Loan and lease loss provision to assets | 0.1213% | 1,546 |
| Net operating income to assets | 0.9697% | 3,030 |
| Return on assets (ROA) | 0.9683% | 3,105 |
| Pretax return on assets | 1.3783% | 2,269 |
| Return on Equity (ROE) | 5.4811% | 4,209 |
| Retained earnings to average equity (ytd only) | -1.7461% | 4,891 |
| Net charge-offs to loans | -0.0392% | 4,761 |
| Credit loss provision to net charge-offs | -362.5954% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4254% | 3,662 |
| Assets per employee ($millions) | 8.9095% | 484 |
| Cash dividends to net income (ytd only)* | 131.8565% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,224 |
| Loan loss allowance to noncurrent loans | 1,198.6413% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,325 |
| Noncurrent loans to loans | 0.1048% | 4,200 |
| Net loans and leases to total assets | 84.6405% | 313 |
| Net loans and leases to deposits | 103.4303% | 451 |
| Net loans and leases to core deposits | 152.8296% | 121 |
| Total domestic deposits to total assets | 81.8334% | 3,568 |
| Equity capital to assets | 17.0101% | 466 |
| Core capital (leverage) ratio | 17.6585% | 365 |
| Tier 1 risk-based capital ratio | 19.3839% | 1,464 |
| Total risk-based capital ratio | 20.6263% | 1,434 |
| Memoranda: | ||
| Average total assets | $783,263,000 | 996 |
| Average earning assets | $761,864,670 | 948 |
| Average equity | $138,365,670 | 664 |
| Average total loans | $667,779,000 | 844 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 1,333 |
| Cost of funding earning assets | 1.2855% | 690 |
| Net interest margin | 3.7171% | 2,828 |
| Noninterest income to average assets | 0.2180% | 4,445 |
| Noninterest expense to average assets | 2.4401% | 3,654 |
| Loan and lease loss provision to assets | -0.0654% | 5,268 |
| Net operating income to assets | 1.0271% | 2,757 |
| Return on assets (ROA) | 1.0242% | 2,802 |
| Pretax return on assets | 1.4603% | 1,885 |
| Return on Equity (ROE) | 5.6851% | 4,122 |
| Retained earnings to average equity (ytd only) | -8.8250% | 5,062 |
| Net charge-offs to loans | -0.2085% | 5,177 |
| Credit loss provision to net charge-offs | 36.8732% | 2,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5658% | 3,307 |
| Assets per employee ($millions) | 8.3783% | 585 |
| Cash dividends to net income (ytd only)* | 255.2323% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.9621% | 377 |
| Net loans and leases to deposits | 102.3502% | 481 |
| Net loans and leases to core deposits | 144.5729% | 152 |
| Total domestic deposits to total assets | 82.0341% | 3,716 |
| Equity capital to assets | 17.5435% | 384 |
| Core capital (leverage) ratio | 18.0588% | 333 |
| Tier 1 risk-based capital ratio | 20.3606% | 1,272 |
| Total risk-based capital ratio | 21.6111% | 1,245 |
| Memoranda: | ||
| Average total assets | $765,059,500 | 1,009 |
| Average earning assets | $745,210,500 | 967 |
| Average equity | $137,835,000 | 666 |
| Average total loans | $650,371,000 | 857 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 1,628 |
| Cost of funding earning assets | 1.0041% | 737 |
| Net interest margin | 3.7586% | 2,832 |
| Noninterest income to average assets | 0.2737% | 4,273 |
| Noninterest expense to average assets | 2.3336% | 4,036 |
| Loan and lease loss provision to assets | -0.1163% | 5,282 |
| Net operating income to assets | 1.3855% | 1,478 |
| Return on assets (ROA) | 1.3557% | 1,584 |
| Pretax return on assets | 1.6772% | 1,224 |
| Return on Equity (ROE) | 7.3850% | 3,700 |
| Retained earnings to average equity (ytd only) | 7.3850% | 1,506 |
| Net charge-offs to loans | -0.1788% | 5,252 |
| Credit loss provision to net charge-offs | 78.1969% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3601% | 3,963 |
| Assets per employee ($millions) | 7.3622% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 2,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.8792% | 427 |
| Net loans and leases to deposits | 103.6544% | 498 |
| Net loans and leases to core deposits | 147.6754% | 145 |
| Total domestic deposits to total assets | 80.9219% | 3,909 |
| Equity capital to assets | 18.5068% | 301 |
| Core capital (leverage) ratio | 18.5961% | 285 |
| Tier 1 risk-based capital ratio | 22.1768% | 1,005 |
| Total risk-based capital ratio | 23.4279% | 985 |
| Memoranda: | ||
| Average total assets | $730,643,800 | 1,019 |
| Average earning assets | $710,985,600 | 974 |
| Average equity | $134,123,400 | 647 |
| Average total loans | $607,870,800 | 882 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 1,742 |
| Cost of funding earning assets | 0.9223% | 829 |
| Net interest margin | 3.7549% | 2,808 |
| Noninterest income to average assets | 0.2946% | 4,178 |
| Noninterest expense to average assets | 2.3470% | 3,983 |
| Loan and lease loss provision to assets | -0.1562% | 5,385 |
| Net operating income to assets | 1.4769% | 1,255 |
| Return on assets (ROA) | 1.4421% | 1,354 |
| Pretax return on assets | 1.7154% | 1,234 |
| Return on Equity (ROE) | 7.8728% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.8728% | 1,714 |
| Net charge-offs to loans | -0.2265% | 5,319 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4544% | 3,894 |
| Assets per employee ($millions) | 7.7745% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 84.5120% | 398 |
| Net loans and leases to deposits | 104.3616% | 529 |
| Net loans and leases to core deposits | 148.1596% | 143 |
| Total domestic deposits to total assets | 80.9800% | 3,872 |
| Equity capital to assets | 18.4358% | 299 |
| Core capital (leverage) ratio | 18.7685% | 280 |
| Tier 1 risk-based capital ratio | 22.0968% | 1,041 |
| Total risk-based capital ratio | 23.3481% | 1,019 |
| Memoranda: | ||
| Average total assets | $725,569,500 | 1,027 |
| Average earning assets | $705,862,000 | 975 |
| Average equity | $132,910,500 | 649 |
| Average total loans | $600,313,750 | 892 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,861 |
| Cost of funding earning assets | 0.8494% | 922 |
| Net interest margin | 3.7243% | 2,843 |
| Noninterest income to average assets | 0.3164% | 4,061 |
| Noninterest expense to average assets | 2.3316% | 4,071 |
| Loan and lease loss provision to assets | -0.0971% | 5,425 |
| Net operating income to assets | 1.5608% | 1,006 |
| Return on assets (ROA) | 1.5432% | 1,053 |
| Pretax return on assets | 1.6849% | 1,255 |
| Return on Equity (ROE) | 8.4429% | 3,293 |
| Retained earnings to average equity (ytd only) | 8.4429% | 1,431 |
| Net charge-offs to loans | -0.0872% | 5,121 |
| Credit loss provision to net charge-offs | 136.1868% | 1,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1988% | 4,053 |
| Assets per employee ($millions) | 7.9267% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.1873% | 826 |
| Net loans and leases to deposits | 99.9295% | 810 |
| Net loans and leases to core deposits | 139.4608% | 197 |
| Total domestic deposits to total assets | 81.2445% | 3,930 |
| Equity capital to assets | 18.1822% | 309 |
| Core capital (leverage) ratio | 18.7794% | 280 |
| Tier 1 risk-based capital ratio | 22.5785% | 975 |
| Total risk-based capital ratio | 23.8298% | 958 |
| Memoranda: | ||
| Average total assets | $721,232,670 | 1,035 |
| Average earning assets | $701,440,000 | 986 |
| Average equity | $131,826,330 | 649 |
| Average total loans | $589,639,330 | 908 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 1,944 |
| Cost of funding earning assets | 0.7783% | 1,060 |
| Net interest margin | 3.6973% | 2,808 |
| Noninterest income to average assets | 0.2939% | 4,198 |
| Noninterest expense to average assets | 2.3991% | 3,946 |
| Loan and lease loss provision to assets | -0.1963% | 5,549 |
| Net operating income to assets | 1.9230% | 431 |
| Return on assets (ROA) | 1.8843% | 475 |
| Pretax return on assets | 1.6437% | 1,261 |
| Return on Equity (ROE) | 10.2814% | 2,281 |
| Retained earnings to average equity (ytd only) | 10.2814% | 1,074 |
| Net charge-offs to loans | -0.0372% | 4,836 |
| Credit loss provision to net charge-offs | 648.1481% | 491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7494% | 3,833 |
| Assets per employee ($millions) | 7.7427% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 2,217 |
| Loan loss allowance to noncurrent loans | 289.1607% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 3,353 |
| Noncurrent loans to loans | 0.4519% | 3,182 |
| Net loans and leases to total assets | 80.5880% | 856 |
| Net loans and leases to deposits | 99.2582% | 767 |
| Net loans and leases to core deposits | 155.1970% | 100 |
| Total domestic deposits to total assets | 81.1903% | 4,156 |
| Equity capital to assets | 18.3831% | 287 |
| Core capital (leverage) ratio | 18.8983% | 257 |
| Tier 1 risk-based capital ratio | 22.9744% | 943 |
| Total risk-based capital ratio | 24.2261% | 921 |
| Memoranda: | ||
| Average total assets | $713,257,500 | 1,051 |
| Average earning assets | $692,830,000 | 1,001 |
| Average equity | $130,721,500 | 655 |
| Average total loans | $581,266,500 | 925 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 2,889 |
| Cost of funding earning assets | 0.5880% | 1,687 |
| Net interest margin | 3.5605% | 3,301 |
| Noninterest income to average assets | 0.3169% | 4,197 |
| Noninterest expense to average assets | 2.6849% | 3,180 |
| Loan and lease loss provision to assets | -0.3323% | 5,622 |
| Net operating income to assets | 1.8469% | 377 |
| Return on assets (ROA) | 1.8318% | 398 |
| Pretax return on assets | 1.4162% | 1,936 |
| Return on Equity (ROE) | 9.8005% | 1,980 |
| Retained earnings to average equity (ytd only) | 9.8005% | 383 |
| Net charge-offs to loans | -0.5689% | 5,610 |
| Credit loss provision to net charge-offs | 71.9379% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9553% | 2,408 |
| Assets per employee ($millions) | 7.5153% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,813 |
| Loan loss allowance to noncurrent loans | 196.4303% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 2,628 |
| Noncurrent loans to loans | 0.7070% | 2,440 |
| Net loans and leases to total assets | 80.2017% | 930 |
| Net loans and leases to deposits | 101.3303% | 635 |
| Net loans and leases to core deposits | 144.5239% | 170 |
| Total domestic deposits to total assets | 79.1488% | 4,509 |
| Equity capital to assets | 18.2706% | 294 |
| Core capital (leverage) ratio | 18.6756% | 252 |
| Tier 1 risk-based capital ratio | 22.7932% | 934 |
| Total risk-based capital ratio | 24.0459% | 918 |
| Memoranda: | ||
| Average total assets | $655,678,600 | 1,109 |
| Average earning assets | $638,451,600 | 1,055 |
| Average equity | $122,555,000 | 671 |
| Average total loans | $532,411,000 | 961 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 2,956 |
| Cost of funding earning assets | 0.5502% | 1,888 |
| Net interest margin | 3.5597% | 3,293 |
| Noninterest income to average assets | 0.3285% | 4,189 |
| Noninterest expense to average assets | 2.7525% | 2,890 |
| Loan and lease loss provision to assets | -0.4518% | 5,710 |
| Net operating income to assets | 2.5626% | 124 |
| Return on assets (ROA) | 2.5420% | 131 |
| Pretax return on assets | 1.4750% | 1,864 |
| Return on Equity (ROE) | 13.5165% | 929 |
| Retained earnings to average equity (ytd only) | 13.5165% | 180 |
| Net charge-offs to loans | -0.7491% | 5,683 |
| Credit loss provision to net charge-offs | 74.3179% | 2,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5078% | 2,140 |
| Assets per employee ($millions) | 7.2361% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,855 |
| Loan loss allowance to noncurrent loans | 182.2618% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,602 |
| Noncurrent loans to loans | 0.7718% | 2,438 |
| Net loans and leases to total assets | 81.2114% | 805 |
| Net loans and leases to deposits | 101.7838% | 630 |
| Net loans and leases to core deposits | 112.7389% | 896 |
| Total domestic deposits to total assets | 79.7882% | 4,363 |
| Equity capital to assets | 19.0961% | 269 |
| Core capital (leverage) ratio | 19.3266% | 233 |
| Tier 1 risk-based capital ratio | 22.1432% | 1,034 |
| Total risk-based capital ratio | 23.4047% | 1,011 |
| Memoranda: | ||
| Average total assets | $642,988,250 | 1,138 |
| Average earning assets | $626,374,750 | 1,081 |
| Average equity | $120,926,000 | 680 |
| Average total loans | $521,874,750 | 984 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,935 |
| Cost of funding earning assets | 0.5581% | 1,723 |
| Net interest margin | 3.5125% | 3,348 |
| Noninterest income to average assets | 0.2807% | 4,546 |
| Noninterest expense to average assets | 2.7635% | 2,880 |
| Loan and lease loss provision to assets | 0.0555% | 2,866 |
| Net operating income to assets | 0.8982% | 2,922 |
| Return on assets (ROA) | 0.8982% | 2,979 |
| Pretax return on assets | 0.8890% | 3,964 |
| Return on Equity (ROE) | 4.8025% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.8025% | 2,847 |
| Net charge-offs to loans | 0.0310% | 2,583 |
| Credit loss provision to net charge-offs | 221.5190% | 1,177 |
| Earnings coverage of net charge-offs (x) | 37.6962% | 1,298 |
| Efficiency ratio | 74.5274% | 1,920 |
| Assets per employee ($millions) | 6.7317% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,993 |
| Loan loss allowance to noncurrent loans | 121.9035% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 1,879 |
| Noncurrent loans to loans | 1.1396% | 1,718 |
| Net loans and leases to total assets | 81.0396% | 809 |
| Net loans and leases to deposits | 105.1175% | 437 |
| Net loans and leases to core deposits | 117.0817% | 679 |
| Total domestic deposits to total assets | 77.0943% | 4,942 |
| Equity capital to assets | 19.0061% | 262 |
| Core capital (leverage) ratio | 18.9409% | 245 |
| Tier 1 risk-based capital ratio | 23.0181% | 951 |
| Total risk-based capital ratio | 24.2702% | 938 |
| Memoranda: | ||
| Average total assets | $630,585,670 | 1,156 |
| Average earning assets | $615,287,330 | 1,102 |
| Average equity | $117,937,670 | 703 |
| Average total loans | $509,073,670 | 1,002 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,551 |
| Cost of funding earning assets | 0.5591% | 1,656 |
| Net interest margin | 3.3007% | 4,006 |
| Noninterest income to average assets | 0.2427% | 4,794 |
| Noninterest expense to average assets | 2.6853% | 3,199 |
| Loan and lease loss provision to assets | 0.1112% | 1,724 |
| Net operating income to assets | 0.6831% | 3,774 |
| Return on assets (ROA) | 0.6831% | 3,811 |
| Pretax return on assets | 0.6647% | 4,547 |
| Return on Equity (ROE) | 3.6823% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.6823% | 3,600 |
| Net charge-offs to loans | -0.0413% | 5,088 |
| Credit loss provision to net charge-offs | -336.5385% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5840% | 1,691 |
| Assets per employee ($millions) | 6.2999% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 1,966 |
| Loan loss allowance to noncurrent loans | 157.6511% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 2,463 |
| Noncurrent loans to loans | 0.9044% | 2,228 |
| Net loans and leases to total assets | 79.9231% | 843 |
| Net loans and leases to deposits | 100.5920% | 582 |
| Net loans and leases to core deposits | 111.2845% | 813 |
| Total domestic deposits to total assets | 79.4527% | 4,723 |
| Equity capital to assets | 18.5849% | 271 |
| Core capital (leverage) ratio | 19.1267% | 228 |
| Tier 1 risk-based capital ratio | 23.0310% | 972 |
| Total risk-based capital ratio | 24.2831% | 958 |
| Memoranda: | ||
| Average total assets | $629,490,500 | 1,159 |
| Average earning assets | $613,806,000 | 1,105 |
| Average equity | $116,773,500 | 707 |
| Average total loans | $503,599,000 | 1,009 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,514 |
| Cost of funding earning assets | 0.6683% | 959 |
| Net interest margin | 3.2487% | 4,304 |
| Noninterest income to average assets | 0.3985% | 3,896 |
| Noninterest expense to average assets | 3.1074% | 2,009 |
| Loan and lease loss provision to assets | 0.2015% | 1,145 |
| Net operating income to assets | 0.2490% | 5,323 |
| Return on assets (ROA) | 0.2931% | 5,304 |
| Pretax return on assets | 0.2931% | 5,372 |
| Return on Equity (ROE) | 1.6113% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.6113% | 4,613 |
| Net charge-offs to loans | 0.3893% | 687 |
| Credit loss provision to net charge-offs | 65.0178% | 3,182 |
| Earnings coverage of net charge-offs (x) | 1.4539% | 3,984 |
| Efficiency ratio | 87.3379% | 729 |
| Assets per employee ($millions) | 6.5547% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,867 |
| Loan loss allowance to noncurrent loans | 99.2067% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 1,595 |
| Noncurrent loans to loans | 1.4624% | 1,387 |
| Net loans and leases to total assets | 77.7547% | 1,237 |
| Net loans and leases to deposits | 95.9224% | 1,005 |
| Net loans and leases to core deposits | 106.5371% | 1,095 |
| Total domestic deposits to total assets | 81.0600% | 4,317 |
| Equity capital to assets | 18.5154% | 276 |
| Core capital (leverage) ratio | 19.1205% | 225 |
| Tier 1 risk-based capital ratio | 23.5023% | 915 |
| Total risk-based capital ratio | 24.7548% | 902 |
| Memoranda: | ||
| Average total assets | $632,846,600 | 1,118 |
| Average earning assets | $615,453,000 | 1,060 |
| Average equity | $115,124,400 | 697 |
| Average total loans | $503,701,800 | 969 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 3,583 |
| Cost of funding earning assets | 0.6915% | 854 |
| Net interest margin | 3.2077% | 4,472 |
| Noninterest income to average assets | 0.3974% | 3,941 |
| Noninterest expense to average assets | 3.1629% | 1,870 |
| Loan and lease loss provision to assets | 0.2675% | 672 |
| Net operating income to assets | 0.0850% | 5,642 |
| Return on assets (ROA) | 0.1435% | 5,623 |
| Pretax return on assets | 0.1435% | 5,634 |
| Return on Equity (ROE) | 0.7925% | 5,665 |
| Retained earnings to average equity (ytd only) | 0.7925% | 5,149 |
| Net charge-offs to loans | 0.6222% | 333 |
| Credit loss provision to net charge-offs | 53.9112% | 2,982 |
| Earnings coverage of net charge-offs (x) | 0.7104% | 3,770 |
| Efficiency ratio | 89.9719% | 560 |
| Assets per employee ($millions) | 6.2092% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,989 |
| Loan loss allowance to noncurrent loans | 68.3301% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.6336% | 1,061 |
| Noncurrent loans to loans | 2.1179% | 902 |
| Net loans and leases to total assets | 76.0164% | 1,520 |
| Net loans and leases to deposits | 94.6598% | 1,184 |
| Net loans and leases to core deposits | 105.5797% | 1,222 |
| Total domestic deposits to total assets | 80.3049% | 4,439 |
| Equity capital to assets | 19.2405% | 253 |
| Core capital (leverage) ratio | 19.1301% | 224 |
| Tier 1 risk-based capital ratio | 24.6401% | 847 |
| Total risk-based capital ratio | 25.8926% | 834 |
| Memoranda: | ||
| Average total assets | $635,384,750 | 1,114 |
| Average earning assets | $617,619,750 | 1,053 |
| Average equity | $115,082,000 | 699 |
| Average total loans | $506,801,750 | 968 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,914 |
| Cost of funding earning assets | 0.7172% | 734 |
| Net interest margin | 3.0948% | 4,849 |
| Noninterest income to average assets | 0.3530% | 4,251 |
| Noninterest expense to average assets | 3.1147% | 2,014 |
| Loan and lease loss provision to assets | 0.3945% | 394 |
| Net operating income to assets | -0.1494% | 5,839 |
| Return on assets (ROA) | -0.1040% | 5,831 |
| Pretax return on assets | -0.1040% | 5,829 |
| Return on Equity (ROE) | -0.5853% | 5,820 |
| Retained earnings to average equity (ytd only) | -0.5853% | 5,382 |
| Net charge-offs to loans | 0.1951% | 1,172 |
| Credit loss provision to net charge-offs | 250.9843% | 1,097 |
| Earnings coverage of net charge-offs (x) | 1.5591% | 3,395 |
| Efficiency ratio | 92.7065% | 465 |
| Assets per employee ($millions) | 6.1602% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7437% | 1,187 |
| Loan loss allowance to noncurrent loans | 36.2542% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.9207% | 235 |
| Noncurrent loans to loans | 4.8097% | 192 |
| Net loans and leases to total assets | 80.0949% | 884 |
| Net loans and leases to deposits | 99.5323% | 732 |
| Net loans and leases to core deposits | 112.9218% | 773 |
| Total domestic deposits to total assets | 80.4713% | 4,420 |
| Equity capital to assets | 19.0956% | 258 |
| Core capital (leverage) ratio | 18.4369% | 261 |
| Tier 1 risk-based capital ratio | 23.1664% | 995 |
| Total risk-based capital ratio | 24.4226% | 975 |
| Memoranda: | ||
| Average total assets | $646,416,000 | 1,102 |
| Average earning assets | $628,019,000 | 1,041 |
| Average equity | $114,814,670 | 698 |
| Average total loans | $520,881,330 | 941 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 3,532 |
| Cost of funding earning assets | 0.7586% | 607 |
| Net interest margin | 3.1566% | 4,712 |
| Noninterest income to average assets | 0.4205% | 3,681 |
| Noninterest expense to average assets | 3.1150% | 2,061 |
| Loan and lease loss provision to assets | 0.7638% | 136 |
| Net operating income to assets | -0.3948% | 5,943 |
| Return on assets (ROA) | -0.3948% | 5,951 |
| Pretax return on assets | -0.3948% | 5,941 |
| Return on Equity (ROE) | -2.3012% | 5,916 |
| Retained earnings to average equity (ytd only) | -2.3012% | 5,412 |
| Net charge-offs to loans | 0.0516% | 2,011 |
| Credit loss provision to net charge-offs | 1,847.8261% | 231 |
| Earnings coverage of net charge-offs (x) | 8.9275% | 2,022 |
| Efficiency ratio | 89.4085% | 710 |
| Assets per employee ($millions) | 5.8556% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 1,308 |
| Loan loss allowance to noncurrent loans | 40.6005% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.4177% | 339 |
| Noncurrent loans to loans | 4.2397% | 272 |
| Net loans and leases to total assets | 79.2239% | 922 |
| Net loans and leases to deposits | 104.1304% | 405 |
| Net loans and leases to core deposits | 117.8751% | 531 |
| Total domestic deposits to total assets | 76.0815% | 5,403 |
| Equity capital to assets | 17.6506% | 357 |
| Core capital (leverage) ratio | 16.9608% | 374 |
| Tier 1 risk-based capital ratio | 21.4579% | 1,238 |
| Total risk-based capital ratio | 22.7134% | 1,216 |
| Memoranda: | ||
| Average total assets | $667,744,000 | 1,060 |
| Average earning assets | $648,038,000 | 1,016 |
| Average equity | $114,550,000 | 697 |
| Average total loans | $535,267,000 | 910 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 4,363 |
| Cost of funding earning assets | 0.7236% | 721 |
| Net interest margin | 2.9773% | 5,191 |
| Noninterest income to average assets | 0.5818% | 2,821 |
| Noninterest expense to average assets | 3.3362% | 1,635 |
| Loan and lease loss provision to assets | 0.2424% | 787 |
| Net operating income to assets | -0.1142% | 5,930 |
| Return on assets (ROA) | -0.1122% | 5,948 |
| Pretax return on assets | -0.1610% | 5,952 |
| Return on Equity (ROE) | -0.6520% | 5,928 |
| Retained earnings to average equity (ytd only) | -0.6520% | 5,618 |
| Net charge-offs to loans | 0.4721% | 576 |
| Credit loss provision to net charge-offs | 69.4720% | 3,131 |
| Earnings coverage of net charge-offs (x) | 0.2251% | 4,250 |
| Efficiency ratio | 97.6997% | 348 |
| Assets per employee ($millions) | 5.9891% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,612 |
| Loan loss allowance to noncurrent loans | 83.5220% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2841% | 1,660 |
| Noncurrent loans to loans | 1.6297% | 1,401 |
| Net loans and leases to total assets | 77.7212% | 1,161 |
| Net loans and leases to deposits | 99.5599% | 706 |
| Net loans and leases to core deposits | 125.7700% | 342 |
| Total domestic deposits to total assets | 78.0648% | 5,150 |
| Equity capital to assets | 17.7906% | 333 |
| Core capital (leverage) ratio | 16.3200% | 430 |
| Tier 1 risk-based capital ratio | 21.0835% | 1,281 |
| Total risk-based capital ratio | 22.3445% | 1,262 |
| Memoranda: | ||
| Average total assets | $721,842,600 | 963 |
| Average earning assets | $686,839,600 | 930 |
| Average equity | $124,238,800 | 614 |
| Average total loans | $533,618,400 | 880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 4,414 |
| Cost of funding earning assets | 0.7154% | 780 |
| Net interest margin | 2.9872% | 5,228 |
| Noninterest income to average assets | 0.6626% | 2,418 |
| Noninterest expense to average assets | 3.4144% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0286% | 5,911 |
| Return on assets (ROA) | 0.0311% | 5,952 |
| Pretax return on assets | 0.0913% | 5,900 |
| Return on Equity (ROE) | 0.1822% | 5,954 |
| Retained earnings to average equity (ytd only) | 0.1822% | 5,554 |
| Net charge-offs to loans | 0.3209% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.3746% | 3,957 |
| Efficiency ratio | 97.5022% | 373 |
| Assets per employee ($millions) | 5.8542% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 2,966 |
| Loan loss allowance to noncurrent loans | 78.4190% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2005% | 1,972 |
| Noncurrent loans to loans | 1.6902% | 1,434 |
| Net loans and leases to total assets | 70.0833% | 2,370 |
| Net loans and leases to deposits | 90.1114% | 1,634 |
| Net loans and leases to core deposits | 120.9668% | 444 |
| Total domestic deposits to total assets | 77.7740% | 5,227 |
| Equity capital to assets | 16.9710% | 435 |
| Core capital (leverage) ratio | 15.9271% | 496 |
| Tier 1 risk-based capital ratio | 22.3041% | 1,151 |
| Total risk-based capital ratio | 23.5645% | 1,131 |
| Memoranda: | ||
| Average total assets | $728,619,250 | 955 |
| Average earning assets | $692,545,500 | 932 |
| Average equity | $124,399,000 | 614 |
| Average total loans | $530,171,000 | 893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,453 |
| Cost of funding earning assets | 0.7189% | 766 |
| Net interest margin | 2.9652% | 5,304 |
| Noninterest income to average assets | 0.5521% | 3,029 |
| Noninterest expense to average assets | 3.5920% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1329% | 6,068 |
| Return on assets (ROA) | -0.1329% | 6,096 |
| Pretax return on assets | -0.2296% | 6,124 |
| Return on Equity (ROE) | -0.7763% | 6,070 |
| Retained earnings to average equity (ytd only) | -0.7763% | 5,659 |
| Net charge-offs to loans | 0.3153% | 838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.9928% | 3,770 |
| Efficiency ratio | 106.8284% | 211 |
| Assets per employee ($millions) | 6.3169% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 3,002 |
| Loan loss allowance to noncurrent loans | 73.1326% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 1,866 |
| Noncurrent loans to loans | 1.8427% | 1,378 |
| Net loans and leases to total assets | 71.8917% | 2,002 |
| Net loans and leases to deposits | 94.2079% | 1,132 |
| Net loans and leases to core deposits | 126.9516% | 325 |
| Total domestic deposits to total assets | 76.3117% | 5,559 |
| Equity capital to assets | 16.5249% | 463 |
| Core capital (leverage) ratio | 15.8474% | 487 |
| Tier 1 risk-based capital ratio | 21.1332% | 1,331 |
| Total risk-based capital ratio | 22.3935% | 1,307 |
| Memoranda: | ||
| Average total assets | $725,616,670 | 960 |
| Average earning assets | $687,705,330 | 936 |
| Average equity | $124,180,000 | 615 |
| Average total loans | $532,262,330 | 891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,202 |
| Cost of funding earning assets | 0.7219% | 765 |
| Net interest margin | 3.0264% | 5,132 |
| Noninterest income to average assets | 0.5928% | 2,685 |
| Noninterest expense to average assets | 4.1658% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4238% | 6,224 |
| Return on assets (ROA) | -0.4238% | 6,240 |
| Pretax return on assets | -0.7230% | 6,275 |
| Return on Equity (ROE) | -2.4323% | 6,193 |
| Retained earnings to average equity (ytd only) | -2.4323% | 5,737 |
| Net charge-offs to loans | 0.0198% | 2,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -49.5385% | 3,275 |
| Efficiency ratio | 121.0011% | 124 |
| Assets per employee ($millions) | 5.6362% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 2,411 |
| Loan loss allowance to noncurrent loans | 90.2036% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,341 |
| Noncurrent loans to loans | 1.6727% | 1,653 |
| Net loans and leases to total assets | 73.5754% | 1,563 |
| Net loans and leases to deposits | 97.3684% | 736 |
| Net loans and leases to core deposits | 134.4321% | 200 |
| Total domestic deposits to total assets | 75.5639% | 5,781 |
| Equity capital to assets | 17.0576% | 416 |
| Core capital (leverage) ratio | 16.7608% | 382 |
| Tier 1 risk-based capital ratio | 20.8370% | 1,454 |
| Total risk-based capital ratio | 22.1140% | 1,421 |
| Memoranda: | ||
| Average total assets | $712,572,000 | 970 |
| Average earning assets | $671,027,000 | 956 |
| Average equity | $124,160,500 | 616 |
| Average total loans | $524,495,500 | 897 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 4,346 |
| Cost of funding earning assets | 0.7685% | 766 |
| Net interest margin | 3.0733% | 5,271 |
| Noninterest income to average assets | 0.5275% | 3,310 |
| Noninterest expense to average assets | 3.4967% | 1,492 |
| Loan and lease loss provision to assets | 0.1484% | 1,772 |
| Net operating income to assets | 0.0815% | 5,978 |
| Return on assets (ROA) | 0.0815% | 6,005 |
| Pretax return on assets | -0.2218% | 6,204 |
| Return on Equity (ROE) | 0.4565% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.4565% | 5,568 |
| Net charge-offs to loans | 1.7480% | 128 |
| Credit loss provision to net charge-offs | 12.7908% | 4,068 |
| Earnings coverage of net charge-offs (x) | -0.0633% | 4,722 |
| Efficiency ratio | 102.1440% | 326 |
| Assets per employee ($millions) | 5.4114% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 2,008 |
| Loan loss allowance to noncurrent loans | 92.2878% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.0496% | 1,227 |
| Noncurrent loans to loans | 1.7610% | 1,638 |
| Net loans and leases to total assets | 71.2862% | 2,035 |
| Net loans and leases to deposits | 93.8464% | 1,087 |
| Net loans and leases to core deposits | 130.4262% | 239 |
| Total domestic deposits to total assets | 75.9605% | 5,738 |
| Equity capital to assets | 17.8062% | 334 |
| Core capital (leverage) ratio | 17.0584% | 362 |
| Tier 1 risk-based capital ratio | 21.6624% | 1,278 |
| Total risk-based capital ratio | 22.9132% | 1,256 |
| Memoranda: | ||
| Average total assets | $700,313,800 | 958 |
| Average earning assets | $659,871,600 | 934 |
| Average equity | $125,082,400 | 586 |
| Average total loans | $464,715,800 | 955 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,272 |
| Cost of funding earning assets | 0.7786% | 771 |
| Net interest margin | 3.0934% | 5,278 |
| Noninterest income to average assets | 0.5511% | 3,196 |
| Noninterest expense to average assets | 3.5695% | 1,349 |
| Loan and lease loss provision to assets | -0.4225% | 6,512 |
| Net operating income to assets | 0.4665% | 5,008 |
| Return on assets (ROA) | 0.4665% | 5,086 |
| Pretax return on assets | 0.3200% | 5,742 |
| Return on Equity (ROE) | 2.6096% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,731 |
| Net charge-offs to loans | 0.5234% | 730 |
| Credit loss provision to net charge-offs | -124.4955% | 5,482 |
| Earnings coverage of net charge-offs (x) | -0.3021% | 4,485 |
| Efficiency ratio | 102.9575% | 310 |
| Assets per employee ($millions) | 5.0674% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3587% | 773 |
| Loan loss allowance to noncurrent loans | 132.5047% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 1,394 |
| Noncurrent loans to loans | 1.7801% | 1,821 |
| Net loans and leases to total assets | 68.3779% | 2,472 |
| Net loans and leases to deposits | 89.0886% | 1,541 |
| Net loans and leases to core deposits | 122.0408% | 348 |
| Total domestic deposits to total assets | 76.7526% | 5,717 |
| Equity capital to assets | 18.4114% | 309 |
| Core capital (leverage) ratio | 18.7239% | 266 |
| Tier 1 risk-based capital ratio | 23.2275% | 1,089 |
| Total risk-based capital ratio | 24.4769% | 1,074 |
| Memoranda: | ||
| Average total assets | $700,874,500 | 965 |
| Average earning assets | $660,664,250 | 940 |
| Average equity | $125,278,000 | 578 |
| Average total loans | $454,432,500 | 975 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,455 |
| Cost of funding earning assets | 0.7988% | 710 |
| Net interest margin | 3.0190% | 5,460 |
| Noninterest income to average assets | 0.6092% | 2,773 |
| Noninterest expense to average assets | 3.6978% | 1,141 |
| Loan and lease loss provision to assets | -0.6288% | 6,610 |
| Net operating income to assets | 0.6435% | 4,134 |
| Return on assets (ROA) | 0.6435% | 4,234 |
| Pretax return on assets | 0.3853% | 5,602 |
| Return on Equity (ROE) | 3.6353% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.6353% | 3,874 |
| Net charge-offs to loans | 0.9641% | 367 |
| Credit loss provision to net charge-offs | -103.2543% | 5,264 |
| Earnings coverage of net charge-offs (x) | -0.3998% | 4,168 |
| Efficiency ratio | 107.0480% | 278 |
| Assets per employee ($millions) | 4.9656% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 823 |
| Loan loss allowance to noncurrent loans | 194.1918% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 2.0421% | 1,554 |
| Noncurrent loans to loans | 1.2298% | 2,774 |
| Net loans and leases to total assets | 66.6587% | 2,647 |
| Net loans and leases to deposits | 86.8459% | 1,731 |
| Net loans and leases to core deposits | 115.4571% | 491 |
| Total domestic deposits to total assets | 76.7552% | 5,819 |
| Equity capital to assets | 18.8047% | 276 |
| Core capital (leverage) ratio | 18.0529% | 296 |
| Tier 1 risk-based capital ratio | 24.0474% | 976 |
| Total risk-based capital ratio | 25.3094% | 955 |
| Memoranda: | ||
| Average total assets | $706,465,000 | 956 |
| Average earning assets | $665,787,670 | 933 |
| Average equity | $125,053,000 | 572 |
| Average total loans | $446,218,330 | 987 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,631 |
| Cost of funding earning assets | 0.7882% | 793 |
| Net interest margin | 2.9727% | 5,590 |
| Noninterest income to average assets | 0.6829% | 2,266 |
| Noninterest expense to average assets | 4.0507% | 712 |
| Loan and lease loss provision to assets | -1.1042% | 6,711 |
| Net operating income to assets | 1.1296% | 1,700 |
| Return on assets (ROA) | 1.1296% | 1,767 |
| Pretax return on assets | 0.5455% | 5,026 |
| Return on Equity (ROE) | 6.5708% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.5708% | 2,242 |
| Net charge-offs to loans | 1.8391% | 151 |
| Credit loss provision to net charge-offs | -98.7654% | 4,834 |
| Earnings coverage of net charge-offs (x) | -0.4998% | 3,477 |
| Efficiency ratio | 116.0000% | 210 |
| Assets per employee ($millions) | 5.2371% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 822 |
| Loan loss allowance to noncurrent loans | 200.1419% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.9396% | 1,774 |
| Noncurrent loans to loans | 1.2410% | 2,973 |
| Net loans and leases to total assets | 61.7262% | 3,279 |
| Net loans and leases to deposits | 80.0836% | 2,281 |
| Net loans and leases to core deposits | 103.5064% | 889 |
| Total domestic deposits to total assets | 77.0772% | 5,956 |
| Equity capital to assets | 17.5374% | 346 |
| Core capital (leverage) ratio | 16.9609% | 371 |
| Tier 1 risk-based capital ratio | 25.2387% | 866 |
| Total risk-based capital ratio | 26.4929% | 845 |
| Memoranda: | ||
| Average total assets | $724,521,500 | 939 |
| Average earning assets | $684,636,500 | 901 |
| Average equity | $124,550,500 | 577 |
| Average total loans | $440,437,000 | 1,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,611 |
| Cost of funding earning assets | 0.8554% | 935 |
| Net interest margin | 3.0047% | 5,570 |
| Noninterest income to average assets | 0.5100% | 3,690 |
| Noninterest expense to average assets | 3.2131% | 2,377 |
| Loan and lease loss provision to assets | -0.0349% | 6,339 |
| Net operating income to assets | 0.0414% | 6,146 |
| Return on assets (ROA) | 0.0531% | 6,172 |
| Pretax return on assets | 0.1976% | 5,941 |
| Return on Equity (ROE) | 0.3248% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.3248% | 5,699 |
| Net charge-offs to loans | -0.4783% | 6,722 |
| Credit loss provision to net charge-offs | 11.6349% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6959% | 656 |
| Assets per employee ($millions) | 5.2254% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5867% | 265 |
| Loan loss allowance to noncurrent loans | 160.5813% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 2.6124% | 1,298 |
| Noncurrent loans to loans | 2.2336% | 1,737 |
| Net loans and leases to total assets | 56.2379% | 4,282 |
| Net loans and leases to deposits | 73.3557% | 3,350 |
| Net loans and leases to core deposits | 95.3009% | 1,504 |
| Total domestic deposits to total assets | 76.6647% | 6,032 |
| Equity capital to assets | 16.8507% | 411 |
| Core capital (leverage) ratio | 16.0958% | 460 |
| Tier 1 risk-based capital ratio | 26.4781% | 735 |
| Total risk-based capital ratio | 27.7249% | 713 |
| Memoranda: | ||
| Average total assets | $770,847,000 | 868 |
| Average earning assets | $730,567,600 | 832 |
| Average equity | $125,927,600 | 563 |
| Average total loans | $483,334,200 | 881 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 4,283 |
| Cost of funding earning assets | 0.8702% | 945 |
| Net interest margin | 3.0900% | 5,345 |
| Noninterest income to average assets | 0.5260% | 3,622 |
| Noninterest expense to average assets | 3.2148% | 2,322 |
| Loan and lease loss provision to assets | -0.0316% | 6,516 |
| Net operating income to assets | -0.0184% | 6,317 |
| Return on assets (ROA) | -0.0031% | 6,349 |
| Pretax return on assets | 0.2972% | 5,889 |
| Return on Equity (ROE) | -0.0190% | 6,349 |
| Retained earnings to average equity (ytd only) | -0.0190% | 5,942 |
| Net charge-offs to loans | -0.5853% | 6,800 |
| Credit loss provision to net charge-offs | 8.4707% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0082% | 788 |
| Assets per employee ($millions) | 5.2727% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3346% | 397 |
| Loan loss allowance to noncurrent loans | 120.8139% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 2.6187% | 1,442 |
| Noncurrent loans to loans | 2.7601% | 1,523 |
| Net loans and leases to total assets | 59.9261% | 3,703 |
| Net loans and leases to deposits | 77.9138% | 2,678 |
| Net loans and leases to core deposits | 102.3979% | 968 |
| Total domestic deposits to total assets | 76.9134% | 6,058 |
| Equity capital to assets | 17.0148% | 421 |
| Core capital (leverage) ratio | 15.8080% | 520 |
| Tier 1 risk-based capital ratio | 25.5529% | 825 |
| Total risk-based capital ratio | 26.8048% | 811 |
| Memoranda: | ||
| Average total assets | $780,668,750 | 866 |
| Average earning assets | $740,339,000 | 821 |
| Average equity | $126,591,250 | 568 |
| Average total loans | $497,488,000 | 854 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,858 |
| Cost of funding earning assets | 0.8654% | 1,058 |
| Net interest margin | 3.2002% | 4,947 |
| Noninterest income to average assets | 0.5372% | 3,594 |
| Noninterest expense to average assets | 3.4294% | 1,762 |
| Loan and lease loss provision to assets | -0.0674% | 6,669 |
| Net operating income to assets | 0.4736% | 4,910 |
| Return on assets (ROA) | 0.5088% | 4,930 |
| Pretax return on assets | 0.2428% | 6,015 |
| Return on Equity (ROE) | 3.1862% | 5,552 |
| Retained earnings to average equity (ytd only) | 3.1862% | 4,288 |
| Net charge-offs to loans | -0.9108% | 6,863 |
| Credit loss provision to net charge-offs | 11.5219% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0736% | 649 |
| Assets per employee ($millions) | 5.5876% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3142% | 431 |
| Loan loss allowance to noncurrent loans | 99.9217% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.8190% | 1,458 |
| Noncurrent loans to loans | 3.3168% | 1,313 |
| Net loans and leases to total assets | 57.1326% | 4,119 |
| Net loans and leases to deposits | 73.4575% | 3,231 |
| Net loans and leases to core deposits | 96.0975% | 1,347 |
| Total domestic deposits to total assets | 77.7764% | 6,015 |
| Equity capital to assets | 16.2367% | 497 |
| Core capital (leverage) ratio | 16.1117% | 451 |
| Tier 1 risk-based capital ratio | 26.8128% | 706 |
| Total risk-based capital ratio | 28.0170% | 702 |
| Memoranda: | ||
| Average total assets | $794,832,670 | 842 |
| Average earning assets | $753,137,670 | 804 |
| Average equity | $126,922,000 | 569 |
| Average total loans | $510,777,000 | 830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 2,413 |
| Cost of funding earning assets | 0.8653% | 1,176 |
| Net interest margin | 3.5677% | 3,394 |
| Noninterest income to average assets | 0.5457% | 3,469 |
| Noninterest expense to average assets | 3.9919% | 893 |
| Loan and lease loss provision to assets | -0.1618% | 6,879 |
| Net operating income to assets | 0.6321% | 4,070 |
| Return on assets (ROA) | 0.7020% | 3,820 |
| Pretax return on assets | 0.1678% | 6,141 |
| Return on Equity (ROE) | 4.4327% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.4327% | 3,577 |
| Net charge-offs to loans | -0.9525% | 6,925 |
| Credit loss provision to net charge-offs | 25.4317% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6270% | 493 |
| Assets per employee ($millions) | 5.8224% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7174% | 899 |
| Loan loss allowance to noncurrent loans | 121.4426% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.3354% | 1,989 |
| Noncurrent loans to loans | 2.2376% | 2,344 |
| Net loans and leases to total assets | 62.8579% | 2,909 |
| Net loans and leases to deposits | 80.0446% | 2,066 |
| Net loans and leases to core deposits | 103.0008% | 771 |
| Total domestic deposits to total assets | 78.5286% | 6,042 |
| Equity capital to assets | 15.7124% | 604 |
| Core capital (leverage) ratio | 15.8118% | 479 |
| Tier 1 risk-based capital ratio | 24.5436% | 950 |
| Total risk-based capital ratio | 25.7931% | 934 |
| Memoranda: | ||
| Average total assets | $801,114,500 | 836 |
| Average earning assets | $759,485,000 | 803 |
| Average equity | $126,875,500 | 575 |
| Average total loans | $535,040,000 | 783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 4,263 |
| Cost of funding earning assets | 0.9921% | 1,398 |
| Net interest margin | 3.2910% | 5,271 |
| Noninterest income to average assets | 0.5143% | 3,807 |
| Noninterest expense to average assets | 2.5860% | 4,786 |
| Loan and lease loss provision to assets | 0.6934% | 746 |
| Net operating income to assets | 0.2574% | 5,609 |
| Return on assets (ROA) | 0.2838% | 5,738 |
| Pretax return on assets | 0.3910% | 5,597 |
| Return on Equity (ROE) | 1.8211% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.8211% | 4,939 |
| Net charge-offs to loans | 0.7935% | 1,476 |
| Credit loss provision to net charge-offs | 123.0769% | 2,314 |
| Earnings coverage of net charge-offs (x) | 1.8608% | 4,501 |
| Efficiency ratio | 71.1536% | 3,596 |
| Assets per employee ($millions) | 6.0069% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4238% | 1,202 |
| Loan loss allowance to noncurrent loans | 70.2697% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 3.4812% | 1,304 |
| Noncurrent loans to loans | 3.4493% | 1,453 |
| Net loans and leases to total assets | 67.3327% | 2,310 |
| Net loans and leases to deposits | 86.0804% | 1,504 |
| Net loans and leases to core deposits | 111.9865% | 472 |
| Total domestic deposits to total assets | 78.2206% | 6,044 |
| Equity capital to assets | 15.9650% | 559 |
| Core capital (leverage) ratio | 15.6981% | 486 |
| Tier 1 risk-based capital ratio | 23.2324% | 1,071 |
| Total risk-based capital ratio | 24.4630% | 1,061 |
| Memoranda: | ||
| Average total assets | $800,670,200 | 822 |
| Average earning assets | $759,069,600 | 787 |
| Average equity | $124,762,400 | 578 |
| Average total loans | $568,488,600 | 731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 4,311 |
| Cost of funding earning assets | 1.0153% | 1,473 |
| Net interest margin | 3.3198% | 5,312 |
| Noninterest income to average assets | 0.5779% | 3,423 |
| Noninterest expense to average assets | 2.6596% | 4,525 |
| Loan and lease loss provision to assets | 0.9271% | 467 |
| Net operating income to assets | 0.0854% | 6,148 |
| Return on assets (ROA) | 0.1161% | 6,237 |
| Pretax return on assets | 0.1869% | 6,147 |
| Return on Equity (ROE) | 0.7497% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.7497% | 5,853 |
| Net charge-offs to loans | 0.9345% | 1,160 |
| Credit loss provision to net charge-offs | 138.7618% | 2,081 |
| Earnings coverage of net charge-offs (x) | 1.5955% | 4,487 |
| Efficiency ratio | 71.3872% | 3,433 |
| Assets per employee ($millions) | 6.5523% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3909% | 1,379 |
| Loan loss allowance to noncurrent loans | 69.6276% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 3.5103% | 1,423 |
| Noncurrent loans to loans | 3.4338% | 1,588 |
| Net loans and leases to total assets | 69.2421% | 2,061 |
| Net loans and leases to deposits | 87.5655% | 1,406 |
| Net loans and leases to core deposits | 118.4308% | 338 |
| Total domestic deposits to total assets | 79.0746% | 5,854 |
| Equity capital to assets | 15.4164% | 719 |
| Core capital (leverage) ratio | 15.3900% | 552 |
| Tier 1 risk-based capital ratio | 21.6624% | 1,389 |
| Total risk-based capital ratio | 22.9134% | 1,365 |
| Memoranda: | ||
| Average total assets | $802,610,000 | 825 |
| Average earning assets | $760,992,000 | 789 |
| Average equity | $124,306,000 | 580 |
| Average total loans | $573,823,250 | 721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 4,327 |
| Cost of funding earning assets | 1.0325% | 1,564 |
| Net interest margin | 3.3327% | 5,336 |
| Noninterest income to average assets | 0.6343% | 3,045 |
| Noninterest expense to average assets | 2.7211% | 4,325 |
| Loan and lease loss provision to assets | 1.0749% | 403 |
| Net operating income to assets | -0.3833% | 6,670 |
| Return on assets (ROA) | -0.3833% | 6,722 |
| Pretax return on assets | -0.0038% | 6,451 |
| Return on Equity (ROE) | -2.4712% | 6,643 |
| Retained earnings to average equity (ytd only) | -2.4712% | 6,408 |
| Net charge-offs to loans | 1.3323% | 789 |
| Credit loss provision to net charge-offs | 112.5491% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.1216% | 4,456 |
| Efficiency ratio | 71.7538% | 3,473 |
| Assets per employee ($millions) | 6.3877% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2230% | 1,722 |
| Loan loss allowance to noncurrent loans | 45.6670% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 4.5400% | 1,090 |
| Noncurrent loans to loans | 4.8678% | 1,037 |
| Net loans and leases to total assets | 69.4045% | 2,026 |
| Net loans and leases to deposits | 87.6151% | 1,404 |
| Net loans and leases to core deposits | 121.9756% | 279 |
| Total domestic deposits to total assets | 79.2153% | 5,917 |
| Equity capital to assets | 15.2666% | 722 |
| Core capital (leverage) ratio | 15.2542% | 552 |
| Tier 1 risk-based capital ratio | 21.5131% | 1,385 |
| Total risk-based capital ratio | 22.7616% | 1,357 |
| Memoranda: | ||
| Average total assets | $799,317,330 | 828 |
| Average earning assets | $757,404,330 | 793 |
| Average equity | $123,989,330 | 581 |
| Average total loans | $572,976,330 | 725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 2,995 |
| Cost of funding earning assets | 1.0366% | 1,766 |
| Net interest margin | 3.6783% | 3,930 |
| Noninterest income to average assets | 0.7136% | 2,591 |
| Noninterest expense to average assets | 2.7247% | 4,331 |
| Loan and lease loss provision to assets | 0.9195% | 477 |
| Net operating income to assets | 0.0648% | 6,309 |
| Return on assets (ROA) | 0.0648% | 6,426 |
| Pretax return on assets | 0.5459% | 5,300 |
| Return on Equity (ROE) | 0.4143% | 6,462 |
| Retained earnings to average equity (ytd only) | 0.4143% | 5,865 |
| Net charge-offs to loans | 1.4290% | 701 |
| Credit loss provision to net charge-offs | 89.3171% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.4234% | 3,611 |
| Efficiency ratio | 65.0288% | 4,731 |
| Assets per employee ($millions) | 6.4041% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1012% | 2,102 |
| Loan loss allowance to noncurrent loans | 33.8046% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 5.8632% | 814 |
| Noncurrent loans to loans | 6.2158% | 795 |
| Net loans and leases to total assets | 70.4166% | 1,681 |
| Net loans and leases to deposits | 89.4539% | 1,015 |
| Net loans and leases to core deposits | 127.1671% | 221 |
| Total domestic deposits to total assets | 78.7184% | 6,143 |
| Equity capital to assets | 15.7153% | 618 |
| Core capital (leverage) ratio | 15.6234% | 511 |
| Tier 1 risk-based capital ratio | 21.3182% | 1,419 |
| Total risk-based capital ratio | 22.5644% | 1,397 |
| Memoranda: | ||
| Average total assets | $796,550,500 | 829 |
| Average earning assets | $752,846,000 | 804 |
| Average equity | $124,547,500 | 576 |
| Average total loans | $573,813,000 | 725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 3,830 |
| Cost of funding earning assets | 0.9597% | 3,651 |
| Net interest margin | 3.8366% | 3,642 |
| Noninterest income to average assets | 0.4478% | 4,233 |
| Noninterest expense to average assets | 2.3553% | 5,895 |
| Loan and lease loss provision to assets | 1.6481% | 423 |
| Net operating income to assets | 0.0524% | 5,958 |
| Return on assets (ROA) | 0.2310% | 5,628 |
| Pretax return on assets | 0.3295% | 5,476 |
| Return on Equity (ROE) | 1.5250% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.5250% | 5,128 |
| Net charge-offs to loans | 4.0533% | 150 |
| Credit loss provision to net charge-offs | 54.4989% | 5,309 |
| Earnings coverage of net charge-offs (x) | 0.5695% | 5,404 |
| Efficiency ratio | 57.7614% | 6,082 |
| Assets per employee ($millions) | 6.8290% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 1,949 |
| Loan loss allowance to noncurrent loans | 32.7045% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 6.3275% | 756 |
| Noncurrent loans to loans | 6.4826% | 724 |
| Net loans and leases to total assets | 70.6162% | 1,900 |
| Net loans and leases to deposits | 92.8080% | 900 |
| Net loans and leases to core deposits | 136.1239% | 191 |
| Total domestic deposits to total assets | 76.0885% | 6,471 |
| Equity capital to assets | 15.5569% | 660 |
| Core capital (leverage) ratio | 15.2576% | 568 |
| Tier 1 risk-based capital ratio | 20.9338% | 1,426 |
| Total risk-based capital ratio | 22.1935% | 1,405 |
| Memoranda: | ||
| Average total assets | $813,307,600 | 806 |
| Average earning assets | $769,489,600 | 771 |
| Average equity | $123,216,000 | 561 |
| Average total loans | $606,793,600 | 692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 3,229 |
| Cost of funding earning assets | 0.9343% | 4,167 |
| Net interest margin | 4.0382% | 2,739 |
| Noninterest income to average assets | 0.3925% | 4,719 |
| Noninterest expense to average assets | 2.2792% | 6,091 |
| Loan and lease loss provision to assets | 2.2677% | 215 |
| Net operating income to assets | -0.0584% | 6,233 |
| Return on assets (ROA) | 0.1087% | 6,061 |
| Pretax return on assets | -0.0684% | 6,303 |
| Return on Equity (ROE) | 0.7223% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.7223% | 5,726 |
| Net charge-offs to loans | 4.3509% | 132 |
| Credit loss provision to net charge-offs | 69.3002% | 4,503 |
| Earnings coverage of net charge-offs (x) | 0.5923% | 5,181 |
| Efficiency ratio | 54.0423% | 6,484 |
| Assets per employee ($millions) | 7.6742% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9372% | 908 |
| Loan loss allowance to noncurrent loans | 46.8012% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 5.7765% | 947 |
| Noncurrent loans to loans | 6.2760% | 862 |
| Net loans and leases to total assets | 68.1738% | 2,448 |
| Net loans and leases to deposits | 88.1970% | 1,416 |
| Net loans and leases to core deposits | 131.4109% | 231 |
| Total domestic deposits to total assets | 77.2972% | 6,332 |
| Equity capital to assets | 14.8161% | 902 |
| Core capital (leverage) ratio | 14.2853% | 822 |
| Tier 1 risk-based capital ratio | 19.8145% | 1,728 |
| Total risk-based capital ratio | 21.0834% | 1,699 |
| Memoranda: | ||
| Average total assets | $816,887,250 | 807 |
| Average earning assets | $773,717,500 | 772 |
| Average equity | $122,945,500 | 569 |
| Average total loans | $614,382,750 | 684 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 2,962 |
| Cost of funding earning assets | 0.8821% | 4,815 |
| Net interest margin | 4.1593% | 2,189 |
| Noninterest income to average assets | 0.2979% | 5,506 |
| Noninterest expense to average assets | 2.0658% | 6,661 |
| Loan and lease loss provision to assets | 3.1902% | 133 |
| Net operating income to assets | -0.3553% | 6,584 |
| Return on assets (ROA) | -0.2283% | 6,534 |
| Pretax return on assets | -0.8145% | 6,831 |
| Return on Equity (ROE) | -1.5088% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.5088% | 6,159 |
| Net charge-offs to loans | 5.6791% | 98 |
| Credit loss provision to net charge-offs | 73.0282% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.4984% | 4,934 |
| Efficiency ratio | 48.6854% | 7,023 |
| Assets per employee ($millions) | 7.6164% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0330% | 867 |
| Loan loss allowance to noncurrent loans | 88.7059% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 2,359 |
| Noncurrent loans to loans | 3.4192% | 2,073 |
| Net loans and leases to total assets | 70.4821% | 2,119 |
| Net loans and leases to deposits | 91.1441% | 1,144 |
| Net loans and leases to core deposits | 141.5273% | 180 |
| Total domestic deposits to total assets | 77.3305% | 6,408 |
| Equity capital to assets | 14.5522% | 922 |
| Core capital (leverage) ratio | 14.7826% | 710 |
| Tier 1 risk-based capital ratio | 18.8720% | 1,883 |
| Total risk-based capital ratio | 20.1424% | 1,842 |
| Memoranda: | ||
| Average total assets | $810,353,000 | 827 |
| Average earning assets | $768,633,670 | 785 |
| Average equity | $122,615,670 | 572 |
| Average total loans | $623,335,670 | 684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 3,160 |
| Cost of funding earning assets | 0.8466% | 5,291 |
| Net interest margin | 4.1402% | 2,119 |
| Noninterest income to average assets | 0.2513% | 5,897 |
| Noninterest expense to average assets | 1.9843% | 6,851 |
| Loan and lease loss provision to assets | 4.5751% | 77 |
| Net operating income to assets | -0.8825% | 6,998 |
| Return on assets (ROA) | -0.7401% | 6,939 |
| Pretax return on assets | -2.1624% | 7,284 |
| Return on Equity (ROE) | -4.7937% | 6,799 |
| Retained earnings to average equity (ytd only) | -4.7937% | 6,503 |
| Net charge-offs to loans | 7.0671% | 72 |
| Credit loss provision to net charge-offs | 81.7600% | 3,127 |
| Earnings coverage of net charge-offs (x) | 0.3914% | 4,328 |
| Efficiency ratio | 47.5344% | 7,133 |
| Assets per employee ($millions) | 8.0446% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3721% | 673 |
| Loan loss allowance to noncurrent loans | 84.7996% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 3.3007% | 2,077 |
| Noncurrent loans to loans | 3.9766% | 1,833 |
| Net loans and leases to total assets | 76.1881% | 1,008 |
| Net loans and leases to deposits | 100.1857% | 457 |
| Net loans and leases to core deposits | 165.3466% | 116 |
| Total domestic deposits to total assets | 76.0469% | 6,664 |
| Equity capital to assets | 15.1049% | 741 |
| Core capital (leverage) ratio | 15.3151% | 604 |
| Tier 1 risk-based capital ratio | 18.1779% | 2,061 |
| Total risk-based capital ratio | 19.4522% | 2,017 |
| Memoranda: | ||
| Average total assets | $792,821,000 | 847 |
| Average earning assets | $751,270,500 | 815 |
| Average equity | $122,410,000 | 568 |
| Average total loans | $627,750,500 | 688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 3,394 |
| Cost of funding earning assets | 1.1204% | 5,017 |
| Net interest margin | 4.1239% | 2,467 |
| Noninterest income to average assets | 0.3173% | 5,522 |
| Noninterest expense to average assets | 1.4847% | 7,453 |
| Loan and lease loss provision to assets | 1.9712% | 671 |
| Net operating income to assets | 0.5816% | 3,748 |
| Return on assets (ROA) | 0.6434% | 3,618 |
| Pretax return on assets | 0.8905% | 3,327 |
| Return on Equity (ROE) | 5.2794% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.2794% | 2,260 |
| Net charge-offs to loans | 1.0867% | 2,049 |
| Credit loss provision to net charge-offs | 243.8087% | 1,182 |
| Earnings coverage of net charge-offs (x) | 3.4332% | 3,360 |
| Efficiency ratio | 34.8470% | 7,552 |
| Assets per employee ($millions) | 7.8119% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7688% | 486 |
| Loan loss allowance to noncurrent loans | 66.2348% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 4.8163% | 1,348 |
| Noncurrent loans to loans | 5.6900% | 1,130 |
| Net loans and leases to total assets | 76.5247% | 1,178 |
| Net loans and leases to deposits | 96.9705% | 784 |
| Net loans and leases to core deposits | 116.8813% | 611 |
| Total domestic deposits to total assets | 78.9154% | 6,101 |
| Equity capital to assets | 15.7847% | 623 |
| Core capital (leverage) ratio | 14.7863% | 694 |
| Tier 1 risk-based capital ratio | 19.3546% | 1,629 |
| Total risk-based capital ratio | 20.6350% | 1,593 |
| Memoranda: | ||
| Average total assets | $843,022,200 | 800 |
| Average earning assets | $806,074,400 | 754 |
| Average equity | $102,739,200 | 659 |
| Average total loans | $627,229,000 | 706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 3,613 |
| Cost of funding earning assets | 1.1864% | 4,933 |
| Net interest margin | 4.0577% | 2,822 |
| Noninterest income to average assets | 0.3010% | 5,738 |
| Noninterest expense to average assets | 1.3787% | 7,602 |
| Loan and lease loss provision to assets | 1.4448% | 931 |
| Net operating income to assets | 0.9559% | 2,392 |
| Return on assets (ROA) | 0.9559% | 2,517 |
| Pretax return on assets | 1.3647% | 1,992 |
| Return on Equity (ROE) | 8.4085% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.4085% | 1,274 |
| Net charge-offs to loans | 1.3616% | 1,488 |
| Credit loss provision to net charge-offs | 144.8840% | 2,711 |
| Earnings coverage of net charge-offs (x) | 2.8173% | 3,726 |
| Efficiency ratio | 32.9180% | 7,658 |
| Assets per employee ($millions) | 8.8074% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6239% | 1,173 |
| Loan loss allowance to noncurrent loans | 90.4503% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 2.2185% | 3,173 |
| Noncurrent loans to loans | 2.9009% | 2,755 |
| Net loans and leases to total assets | 74.4704% | 1,696 |
| Net loans and leases to deposits | 89.7568% | 1,755 |
| Net loans and leases to core deposits | 105.9653% | 1,325 |
| Total domestic deposits to total assets | 82.9691% | 4,599 |
| Equity capital to assets | 12.1623% | 2,051 |
| Core capital (leverage) ratio | 11.5234% | 1,925 |
| Tier 1 risk-based capital ratio | 15.0689% | 3,220 |
| Total risk-based capital ratio | 16.3350% | 3,201 |
| Memoranda: | ||
| Average total assets | $858,481,250 | 785 |
| Average earning assets | $822,411,750 | 737 |
| Average equity | $97,597,000 | 686 |
| Average total loans | $628,733,250 | 702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 3,876 |
| Cost of funding earning assets | 1.2620% | 4,757 |
| Net interest margin | 3.9530% | 3,230 |
| Noninterest income to average assets | 0.2742% | 5,957 |
| Noninterest expense to average assets | 1.3091% | 7,706 |
| Loan and lease loss provision to assets | 1.3766% | 978 |
| Net operating income to assets | 1.0547% | 2,001 |
| Return on assets (ROA) | 1.0547% | 2,070 |
| Pretax return on assets | 1.3784% | 1,891 |
| Return on Equity (ROE) | 9.4878% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.4878% | 964 |
| Net charge-offs to loans | 0.7381% | 2,387 |
| Credit loss provision to net charge-offs | 258.2721% | 1,474 |
| Earnings coverage of net charge-offs (x) | 5.1689% | 2,734 |
| Efficiency ratio | 32.2116% | 7,730 |
| Assets per employee ($millions) | 11.3431% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7320% | 1,054 |
| Loan loss allowance to noncurrent loans | 84.4720% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3277% | 3,106 |
| Noncurrent loans to loans | 3.2342% | 2,476 |
| Net loans and leases to total assets | 70.0058% | 2,894 |
| Net loans and leases to deposits | 84.3505% | 2,811 |
| Net loans and leases to core deposits | 97.6350% | 2,270 |
| Total domestic deposits to total assets | 82.9939% | 4,580 |
| Equity capital to assets | 11.2400% | 2,650 |
| Core capital (leverage) ratio | 10.8520% | 2,366 |
| Tier 1 risk-based capital ratio | 14.7991% | 3,267 |
| Total risk-based capital ratio | 16.0667% | 3,229 |
| Memoranda: | ||
| Average total assets | $868,677,330 | 776 |
| Average earning assets | $832,833,330 | 722 |
| Average equity | $96,565,670 | 679 |
| Average total loans | $627,261,670 | 717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6000% | 2,152 |
| Cost of funding earning assets | 1.3225% | 4,674 |
| Net interest margin | 4.2774% | 1,762 |
| Noninterest income to average assets | 0.2668% | 6,019 |
| Noninterest expense to average assets | 1.3976% | 7,764 |
| Loan and lease loss provision to assets | 1.9060% | 586 |
| Net operating income to assets | 1.1805% | 1,594 |
| Return on assets (ROA) | 1.1805% | 1,676 |
| Pretax return on assets | 1.0625% | 2,872 |
| Return on Equity (ROE) | 10.6807% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.6807% | 994 |
| Net charge-offs to loans | 1.4920% | 1,158 |
| Credit loss provision to net charge-offs | 176.6150% | 2,067 |
| Earnings coverage of net charge-offs (x) | 2.7506% | 3,169 |
| Efficiency ratio | 32.0098% | 7,833 |
| Assets per employee ($millions) | 11.5939% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4537% | 1,357 |
| Loan loss allowance to noncurrent loans | 97.8963% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 3,763 |
| Noncurrent loans to loans | 2.5064% | 3,168 |
| Net loans and leases to total assets | 70.6362% | 2,773 |
| Net loans and leases to deposits | 85.3792% | 2,708 |
| Net loans and leases to core deposits | 99.8681% | 2,146 |
| Total domestic deposits to total assets | 82.7323% | 4,740 |
| Equity capital to assets | 11.1108% | 2,667 |
| Core capital (leverage) ratio | 11.1356% | 2,136 |
| Tier 1 risk-based capital ratio | 14.7831% | 3,215 |
| Total risk-based capital ratio | 16.0478% | 3,165 |
| Memoranda: | ||
| Average total assets | $860,636,000 | 800 |
| Average earning assets | $824,792,500 | 752 |
| Average equity | $95,125,000 | 697 |
| Average total loans | $622,502,500 | 741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2164% | 5,578 |
| Cost of funding earning assets | 2.0766% | 2,591 |
| Net interest margin | 3.1398% | 6,256 |
| Noninterest income to average assets | 0.3419% | 5,643 |
| Noninterest expense to average assets | 1.2669% | 7,890 |
| Loan and lease loss provision to assets | 1.2727% | 1,816 |
| Net operating income to assets | 0.4429% | 3,960 |
| Return on assets (ROA) | 0.4479% | 4,056 |
| Pretax return on assets | 0.8429% | 3,104 |
| Return on Equity (ROE) | 3.9580% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.9580% | 2,428 |
| Net charge-offs to loans | 0.3128% | 4,675 |
| Credit loss provision to net charge-offs | 589.6433% | 506 |
| Earnings coverage of net charge-offs (x) | 9.7647% | 1,760 |
| Efficiency ratio | 37.5446% | 7,889 |
| Assets per employee ($millions) | 11.5098% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,607 |
| Loan loss allowance to noncurrent loans | 36.3371% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 4.5650% | 1,412 |
| Noncurrent loans to loans | 6.1137% | 1,021 |
| Net loans and leases to total assets | 70.6413% | 3,093 |
| Net loans and leases to deposits | 85.8969% | 2,935 |
| Net loans and leases to core deposits | 131.3792% | 1,205 |
| Total domestic deposits to total assets | 82.2396% | 4,842 |
| Equity capital to assets | 10.9938% | 2,707 |
| Core capital (leverage) ratio | 10.4340% | 2,664 |
| Tier 1 risk-based capital ratio | 14.4456% | 3,241 |
| Total risk-based capital ratio | 15.7070% | 3,184 |
| Memoranda: | ||
| Average total assets | $805,241,000 | 851 |
| Average earning assets | $777,755,600 | 793 |
| Average equity | $91,132,800 | 711 |
| Average total loans | $555,658,400 | 863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 5,957 |
| Cost of funding earning assets | 2.2230% | 2,299 |
| Net interest margin | 2.9579% | 6,712 |
| Noninterest income to average assets | 0.3725% | 5,533 |
| Noninterest expense to average assets | 1.2825% | 7,969 |
| Loan and lease loss provision to assets | 1.2772% | 1,508 |
| Net operating income to assets | 0.4366% | 4,247 |
| Return on assets (ROA) | 0.4435% | 4,327 |
| Pretax return on assets | 0.6878% | 3,898 |
| Return on Equity (ROE) | 3.8891% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.8891% | 3,120 |
| Net charge-offs to loans | 0.3568% | 3,860 |
| Credit loss provision to net charge-offs | 525.3628% | 748 |
| Earnings coverage of net charge-offs (x) | 8.0387% | 2,313 |
| Efficiency ratio | 39.6242% | 7,932 |
| Assets per employee ($millions) | 12.7612% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 2,055 |
| Loan loss allowance to noncurrent loans | 40.2338% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 3.2066% | 2,115 |
| Noncurrent loans to loans | 4.7051% | 1,458 |
| Net loans and leases to total assets | 66.8620% | 4,225 |
| Net loans and leases to deposits | 81.8001% | 4,063 |
| Net loans and leases to core deposits | 137.6648% | 1,026 |
| Total domestic deposits to total assets | 81.7383% | 4,791 |
| Equity capital to assets | 10.5555% | 3,450 |
| Core capital (leverage) ratio | 11.0493% | 2,372 |
| Tier 1 risk-based capital ratio | 14.5216% | 3,269 |
| Total risk-based capital ratio | 15.7787% | 3,208 |
| Memoranda: | ||
| Average total assets | $793,619,250 | 873 |
| Average earning assets | $768,505,000 | 812 |
| Average equity | $90,506,750 | 718 |
| Average total loans | $540,737,500 | 900 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 6,187 |
| Cost of funding earning assets | 2.4295% | 1,848 |
| Net interest margin | 2.7420% | 7,117 |
| Noninterest income to average assets | 0.4467% | 4,879 |
| Noninterest expense to average assets | 1.2311% | 8,079 |
| Loan and lease loss provision to assets | 1.7556% | 951 |
| Net operating income to assets | 0.1653% | 5,370 |
| Return on assets (ROA) | 0.1800% | 5,418 |
| Pretax return on assets | 0.1303% | 5,602 |
| Return on Equity (ROE) | 1.5341% | 5,446 |
| Retained earnings to average equity (ytd only) | 1.5341% | 4,473 |
| Net charge-offs to loans | -0.0058% | 7,540 |
| Credit loss provision to net charge-offs | -44,746.6667% | 7,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6847% | 8,024 |
| Assets per employee ($millions) | 11.0824% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1340% | 1,341 |
| Loan loss allowance to noncurrent loans | 77.6455% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 3,221 |
| Noncurrent loans to loans | 2.7483% | 2,619 |
| Net loans and leases to total assets | 70.5745% | 3,557 |
| Net loans and leases to deposits | 91.9319% | 2,479 |
| Net loans and leases to core deposits | 144.3653% | 824 |
| Total domestic deposits to total assets | 76.7683% | 6,384 |
| Equity capital to assets | 11.5653% | 2,495 |
| Core capital (leverage) ratio | 11.6340% | 2,018 |
| Tier 1 risk-based capital ratio | 15.2453% | 2,912 |
| Total risk-based capital ratio | 16.5053% | 2,836 |
| Memoranda: | ||
| Average total assets | $764,652,330 | 921 |
| Average earning assets | $740,567,330 | 863 |
| Average equity | $89,694,670 | 732 |
| Average total loans | $520,952,330 | 951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 6,805 |
| Cost of funding earning assets | 2.6105% | 1,527 |
| Net interest margin | 2.4361% | 7,578 |
| Noninterest income to average assets | 0.4405% | 4,868 |
| Noninterest expense to average assets | 1.3153% | 8,072 |
| Loan and lease loss provision to assets | 3.1590% | 343 |
| Net operating income to assets | -0.7906% | 7,120 |
| Return on assets (ROA) | -0.7788% | 7,147 |
| Pretax return on assets | -1.6530% | 7,427 |
| Return on Equity (ROE) | -6.5922% | 7,115 |
| Retained earnings to average equity (ytd only) | -6.5922% | 6,752 |
| Net charge-offs to loans | -0.0064% | 7,208 |
| Credit loss provision to net charge-offs | -74,937.5000% | 6,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9261% | 7,794 |
| Assets per employee ($millions) | 10.2647% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2156% | 1,062 |
| Loan loss allowance to noncurrent loans | 131.7501% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1408% | 4,394 |
| Noncurrent loans to loans | 1.6817% | 3,734 |
| Net loans and leases to total assets | 66.3329% | 4,508 |
| Net loans and leases to deposits | 86.9795% | 3,474 |
| Net loans and leases to core deposits | 163.1727% | 449 |
| Total domestic deposits to total assets | 76.2627% | 6,461 |
| Equity capital to assets | 11.8794% | 2,341 |
| Core capital (leverage) ratio | 11.4668% | 2,167 |
| Tier 1 risk-based capital ratio | 16.1762% | 2,625 |
| Total risk-based capital ratio | 17.4367% | 2,562 |
| Memoranda: | ||
| Average total assets | $759,095,000 | 923 |
| Average earning assets | $736,092,500 | 870 |
| Average equity | $89,682,000 | 739 |
| Average total loans | $501,712,500 | 997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1946% | 4,545 |
| Cost of funding earning assets | 3.3874% | 728 |
| Net interest margin | 2.8072% | 7,321 |
| Noninterest income to average assets | 0.5116% | 4,531 |
| Noninterest expense to average assets | 1.3609% | 8,095 |
| Loan and lease loss provision to assets | 0.4074% | 3,242 |
| Net operating income to assets | 0.7909% | 3,474 |
| Return on assets (ROA) | 0.9008% | 2,838 |
| Pretax return on assets | 1.6166% | 1,341 |
| Return on Equity (ROE) | 8.8577% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.8577% | 629 |
| Net charge-offs to loans | -0.0076% | 7,824 |
| Credit loss provision to net charge-offs | -8,662.0690% | 7,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3539% | 8,064 |
| Assets per employee ($millions) | 9.9853% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.7104% | 5,338 |
| Net loans and leases to deposits | 83.0889% | 4,567 |
| Net loans and leases to core deposits | 172.9864% | 360 |
| Total domestic deposits to total assets | 76.6774% | 6,076 |
| Equity capital to assets | 11.7509% | 2,468 |
| Core capital (leverage) ratio | 12.0453% | 1,944 |
| Tier 1 risk-based capital ratio | 16.6934% | 2,418 |
| Total risk-based capital ratio | 17.6992% | 2,438 |
| Memoranda: | ||
| Average total assets | $616,651,800 | 1,089 |
| Average earning assets | $593,439,400 | 1,036 |
| Average equity | $62,714,000 | 1,073 |
| Average total loans | $382,069,400 | 1,268 |