Home > Texas Regional Bank > Performance and Condition Ratios
Texas Regional Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2920% | 1,505 |
| Cost of funding earning assets | 1.8355% | 1,193 |
| Net interest margin | 3.4565% | 2,288 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.8422% | 1,406 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8033% | 2,865 |
| Return on assets (ROA) | 0.5242% | 3,604 |
| Pretax return on assets | 0.5919% | 3,647 |
| Return on Equity (ROE) | 7.4400% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.4368% | 1,740 |
| Net charge-offs to loans | 0.0195% | 1,962 |
| Credit loss provision to net charge-offs | 176.5125% | 1,328 |
| Earnings coverage of net charge-offs (x) | 88.2384% | 967 |
| Efficiency ratio | 72.7263% | 1,587 |
| Assets per employee ($millions) | 5.8760% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,526 |
| Loan loss allowance to noncurrent loans | 297.7821% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,372 |
| Noncurrent loans to loans | 0.3199% | 2,036 |
| Net loans and leases to total assets | 53.6600% | 3,374 |
| Net loans and leases to deposits | 58.7641% | 3,593 |
| Net loans and leases to core deposits | 73.4497% | 3,103 |
| Total domestic deposits to total assets | 91.3100% | 428 |
| Equity capital to assets | 7.8748% | 3,502 |
| Core capital (leverage) ratio | 8.4668% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0148% | 1,866 |
| Memoranda: | ||
| Average total assets | $2,689,417,200 | 435 |
| Average earning assets | $2,418,865,400 | 437 |
| Average equity | $189,585,400 | 563 |
| Average total loans | $1,438,888,200 | 530 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 1,523 |
| Cost of funding earning assets | 1.7324% | 1,129 |
| Net interest margin | 3.4289% | 2,396 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.7874% | 1,463 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8034% | 3,017 |
| Return on assets (ROA) | 0.4232% | 3,916 |
| Pretax return on assets | 0.4653% | 3,965 |
| Return on Equity (ROE) | 6.1800% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.1841% | 2,573 |
| Net charge-offs to loans | 0.0211% | 1,693 |
| Credit loss provision to net charge-offs | 105.2863% | 1,581 |
| Earnings coverage of net charge-offs (x) | 79.2687% | 1,051 |
| Efficiency ratio | 72.9060% | 1,461 |
| Assets per employee ($millions) | 5.6175% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,595 |
| Loan loss allowance to noncurrent loans | 348.9117% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,593 |
| Noncurrent loans to loans | 0.2694% | 2,274 |
| Net loans and leases to total assets | 53.9300% | 3,365 |
| Net loans and leases to deposits | 58.4588% | 3,586 |
| Net loans and leases to core deposits | 71.9369% | 3,107 |
| Total domestic deposits to total assets | 92.2500% | 406 |
| Equity capital to assets | 6.7986% | 3,711 |
| Core capital (leverage) ratio | 8.6576% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1061% | 2,229 |
| Memoranda: | ||
| Average total assets | $2,691,904,500 | 436 |
| Average earning assets | $2,421,792,250 | 436 |
| Average equity | $184,231,250 | 572 |
| Average total loans | $1,435,726,500 | 532 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 1,514 |
| Cost of funding earning assets | 1.6613% | 947 |
| Net interest margin | 3.3685% | 2,599 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.7555% | 1,511 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8488% | 2,928 |
| Return on assets (ROA) | 0.2245% | 4,274 |
| Pretax return on assets | 0.2070% | 4,310 |
| Return on Equity (ROE) | 3.2700% | 4,122 |
| Retained earnings to average equity (ytd only) | 3.2725% | 3,406 |
| Net charge-offs to loans | 0.0352% | 1,196 |
| Credit loss provision to net charge-offs | 180.9524% | 1,091 |
| Earnings coverage of net charge-offs (x) | 46.3730% | 1,324 |
| Efficiency ratio | 73.3520% | 1,424 |
| Assets per employee ($millions) | 5.7868% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,569 |
| Loan loss allowance to noncurrent loans | 347.8600% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 2,494 |
| Noncurrent loans to loans | 0.2760% | 2,165 |
| Net loans and leases to total assets | 53.8900% | 3,277 |
| Net loans and leases to deposits | 60.5456% | 3,389 |
| Net loans and leases to core deposits | 74.4354% | 2,859 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 7.3007% | 3,633 |
| Core capital (leverage) ratio | 8.2915% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8847% | 2,339 |
| Memoranda: | ||
| Average total assets | $2,701,648,667 | 421 |
| Average earning assets | $2,431,212,667 | 421 |
| Average equity | $185,300,333 | 562 |
| Average total loans | $1,431,130,333 | 520 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 1,688 |
| Cost of funding earning assets | 1.3822% | 1,058 |
| Net interest margin | 3.3883% | 2,660 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.7226% | 1,612 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7303% | 3,397 |
| Return on assets (ROA) | -0.2458% | 4,549 |
| Pretax return on assets | -0.3912% | 4,554 |
| Return on Equity (ROE) | -3.7000% | 4,536 |
| Retained earnings to average equity (ytd only) | -3.6998% | 4,279 |
| Net charge-offs to loans | 0.0283% | 1,129 |
| Credit loss provision to net charge-offs | 296.0396% | 699 |
| Earnings coverage of net charge-offs (x) | 60.0297% | 1,020 |
| Efficiency ratio | 72.3566% | 1,511 |
| Assets per employee ($millions) | 6.3224% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,681 |
| Loan loss allowance to noncurrent loans | 189.8680% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 1,847 |
| Noncurrent loans to loans | 0.5052% | 1,452 |
| Net loans and leases to total assets | 50.3500% | 3,462 |
| Net loans and leases to deposits | 57.7578% | 3,465 |
| Net loans and leases to core deposits | 80.4837% | 2,216 |
| Total domestic deposits to total assets | 87.1700% | 2,205 |
| Equity capital to assets | 6.7495% | 3,939 |
| Core capital (leverage) ratio | 8.2963% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4888% | 2,576 |
| Memoranda: | ||
| Average total assets | $2,730,197,500 | 431 |
| Average earning assets | $2,455,299,000 | 431 |
| Average equity | $181,415,000 | 582 |
| Average total loans | $1,427,224,000 | 534 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 988 |
| Cost of funding earning assets | 0.4313% | 1,852 |
| Net interest margin | 3.9084% | 937 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.6977% | 1,564 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9853% | 2,620 |
| Return on assets (ROA) | 0.9247% | 2,808 |
| Pretax return on assets | 1.1135% | 2,723 |
| Return on Equity (ROE) | 14.3100% | 1,459 |
| Retained earnings to average equity (ytd only) | 14.3147% | 347 |
| Net charge-offs to loans | 0.0412% | 1,288 |
| Credit loss provision to net charge-offs | 906.6975% | 461 |
| Earnings coverage of net charge-offs (x) | 70.1155% | 1,158 |
| Efficiency ratio | 64.8356% | 2,383 |
| Assets per employee ($millions) | 5.8791% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 3,738 |
| Loan loss allowance to noncurrent loans | 4,979.4574% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,794 |
| Noncurrent loans to loans | 0.0182% | 3,699 |
| Net loans and leases to total assets | 53.3400% | 3,249 |
| Net loans and leases to deposits | 62.2314% | 3,178 |
| Net loans and leases to core deposits | 68.4953% | 2,982 |
| Total domestic deposits to total assets | 85.7100% | 2,804 |
| Equity capital to assets | 6.5318% | 3,887 |
| Core capital (leverage) ratio | 8.6890% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9354% | 2,398 |
| Memoranda: | ||
| Average total assets | $2,227,731,000 | 504 |
| Average earning assets | $1,961,125,600 | 512 |
| Average equity | $143,901,000 | 702 |
| Average total loans | $1,052,009,800 | 654 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 1,098 |
| Cost of funding earning assets | 0.2821% | 2,360 |
| Net interest margin | 3.7981% | 956 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.6510% | 1,591 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9708% | 2,591 |
| Return on assets (ROA) | 0.8861% | 2,905 |
| Pretax return on assets | 1.0720% | 2,807 |
| Return on Equity (ROE) | 13.7700% | 1,491 |
| Retained earnings to average equity (ytd only) | 13.7659% | 499 |
| Net charge-offs to loans | 0.0434% | 1,056 |
| Credit loss provision to net charge-offs | 727.1565% | 503 |
| Earnings coverage of net charge-offs (x) | 67.1278% | 1,119 |
| Efficiency ratio | 64.4782% | 2,484 |
| Assets per employee ($millions) | 6.2002% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 3,995 |
| Loan loss allowance to noncurrent loans | 4,238.9513% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 3,872 |
| Noncurrent loans to loans | 0.0200% | 3,773 |
| Net loans and leases to total assets | 52.6300% | 3,222 |
| Net loans and leases to deposits | 57.2345% | 3,389 |
| Net loans and leases to core deposits | 64.6175% | 3,061 |
| Total domestic deposits to total assets | 91.9500% | 894 |
| Equity capital to assets | 6.0139% | 3,962 |
| Core capital (leverage) ratio | 8.5858% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2616% | 2,369 |
| Memoranda: | ||
| Average total assets | $2,127,675,250 | 521 |
| Average earning assets | $1,867,192,250 | 535 |
| Average equity | $136,963,000 | 730 |
| Average total loans | $961,369,500 | 706 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 1,799 |
| Cost of funding earning assets | 0.2095% | 2,794 |
| Net interest margin | 3.4040% | 1,594 |
| Noninterest income to average assets | 0.6592% | 1,504 |
| Noninterest expense to average assets | 2.4918% | 1,957 |
| Loan and lease loss provision to assets | 0.1102% | 906 |
| Net operating income to assets | 0.8353% | 2,834 |
| Return on assets (ROA) | 0.7017% | 3,258 |
| Pretax return on assets | 0.8516% | 3,200 |
| Return on Equity (ROE) | 10.6072% | 2,134 |
| Retained earnings to average equity (ytd only) | 10.6072% | 872 |
| Net charge-offs to loans | 0.0296% | 1,133 |
| Credit loss provision to net charge-offs | 887.9032% | 442 |
| Earnings coverage of net charge-offs (x) | 90.6129% | 864 |
| Efficiency ratio | 68.5858% | 2,162 |
| Assets per employee ($millions) | 6.1055% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,914 |
| Loan loss allowance to noncurrent loans | 1,512.4451% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,646 |
| Noncurrent loans to loans | 0.0762% | 3,410 |
| Net loans and leases to total assets | 43.8205% | 3,846 |
| Net loans and leases to deposits | 48.7569% | 3,881 |
| Net loans and leases to core deposits | 55.2208% | 3,631 |
| Total domestic deposits to total assets | 89.8754% | 1,761 |
| Equity capital to assets | 4.9024% | 4,494 |
| Core capital (leverage) ratio | 7.9629% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5275% | 2,283 |
| Memoranda: | ||
| Average total assets | $1,997,806,000 | 546 |
| Average earning assets | $1,735,715,667 | 577 |
| Average equity | $132,155,000 | 758 |
| Average total loans | $836,441,667 | 777 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 2,069 |
| Cost of funding earning assets | 0.1954% | 2,858 |
| Net interest margin | 3.2114% | 1,852 |
| Noninterest income to average assets | 0.6698% | 1,415 |
| Noninterest expense to average assets | 2.3896% | 2,200 |
| Loan and lease loss provision to assets | 0.0739% | 1,122 |
| Net operating income to assets | 0.7377% | 2,900 |
| Return on assets (ROA) | 0.7377% | 2,891 |
| Pretax return on assets | 0.9099% | 2,737 |
| Return on Equity (ROE) | 9.8537% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.8537% | 1,060 |
| Net charge-offs to loans | 0.0446% | 839 |
| Credit loss provision to net charge-offs | 407.7778% | 580 |
| Earnings coverage of net charge-offs (x) | 54.2778% | 892 |
| Efficiency ratio | 70.4973% | 2,158 |
| Assets per employee ($millions) | 6.5926% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,343.2357% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,683 |
| Noncurrent loans to loans | 0.0867% | 3,405 |
| Net loans and leases to total assets | 40.6711% | 3,965 |
| Net loans and leases to deposits | 43.6939% | 4,081 |
| Net loans and leases to core deposits | 49.7920% | 3,887 |
| Total domestic deposits to total assets | 93.0819% | 253 |
| Equity capital to assets | 6.4343% | 4,453 |
| Core capital (leverage) ratio | 8.1317% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0614% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,986,242,500 | 552 |
| Average earning assets | $1,672,163,500 | 600 |
| Average equity | $148,695,000 | 713 |
| Average total loans | $806,706,500 | 797 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 1,826 |
| Cost of funding earning assets | 0.2476% | 2,960 |
| Net interest margin | 3.5699% | 1,550 |
| Noninterest income to average assets | 0.7034% | 1,762 |
| Noninterest expense to average assets | 2.5284% | 2,097 |
| Loan and lease loss provision to assets | 0.0258% | 2,542 |
| Net operating income to assets | 0.9201% | 2,970 |
| Return on assets (ROA) | 1.1693% | 2,084 |
| Pretax return on assets | 1.4408% | 1,912 |
| Return on Equity (ROE) | 13.0568% | 1,444 |
| Retained earnings to average equity (ytd only) | 13.0568% | 393 |
| Net charge-offs to loans | 0.0161% | 1,984 |
| Credit loss provision to net charge-offs | 357.6000% | 979 |
| Earnings coverage of net charge-offs (x) | 160.8000% | 626 |
| Efficiency ratio | 68.3221% | 1,936 |
| Assets per employee ($millions) | 6.5831% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,928 |
| Loan loss allowance to noncurrent loans | 715.1376% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 3,323 |
| Noncurrent loans to loans | 0.1664% | 3,112 |
| Net loans and leases to total assets | 39.5892% | 4,114 |
| Net loans and leases to deposits | 43.5237% | 4,202 |
| Net loans and leases to core deposits | 50.6847% | 3,980 |
| Total domestic deposits to total assets | 90.9599% | 505 |
| Equity capital to assets | 8.5644% | 4,009 |
| Core capital (leverage) ratio | 8.1180% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9325% | 1,873 |
| Memoranda: | ||
| Average total assets | $1,734,276,000 | 604 |
| Average earning assets | $1,449,653,600 | 661 |
| Average equity | $155,314,000 | 695 |
| Average total loans | $775,673,800 | 814 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 2,068 |
| Cost of funding earning assets | 0.2609% | 3,005 |
| Net interest margin | 3.5164% | 1,823 |
| Noninterest income to average assets | 0.7111% | 1,790 |
| Noninterest expense to average assets | 2.6185% | 1,787 |
| Loan and lease loss provision to assets | 0.0359% | 2,280 |
| Net operating income to assets | 0.8209% | 3,469 |
| Return on assets (ROA) | 1.1644% | 2,370 |
| Pretax return on assets | 1.4338% | 2,201 |
| Return on Equity (ROE) | 12.8379% | 1,746 |
| Retained earnings to average equity (ytd only) | 12.8379% | 664 |
| Net charge-offs to loans | 0.0190% | 1,675 |
| Credit loss provision to net charge-offs | 410.9091% | 847 |
| Earnings coverage of net charge-offs (x) | 119.5909% | 777 |
| Efficiency ratio | 70.7905% | 1,514 |
| Assets per employee ($millions) | 6.4083% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,953 |
| Loan loss allowance to noncurrent loans | 787.6471% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 3,527 |
| Noncurrent loans to loans | 0.1534% | 3,355 |
| Net loans and leases to total assets | 40.8180% | 4,163 |
| Net loans and leases to deposits | 45.2733% | 4,264 |
| Net loans and leases to core deposits | 53.2302% | 3,969 |
| Total domestic deposits to total assets | 90.1591% | 704 |
| Equity capital to assets | 9.0010% | 3,829 |
| Core capital (leverage) ratio | 8.5341% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9917% | 1,974 |
| Memoranda: | ||
| Average total assets | $1,677,406,500 | 628 |
| Average earning assets | $1,408,684,250 | 679 |
| Average equity | $152,139,250 | 715 |
| Average total loans | $773,093,250 | 833 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 2,044 |
| Cost of funding earning assets | 0.2791% | 2,993 |
| Net interest margin | 3.5305% | 1,770 |
| Noninterest income to average assets | 0.6846% | 1,869 |
| Noninterest expense to average assets | 2.7130% | 1,560 |
| Loan and lease loss provision to assets | 0.0409% | 2,191 |
| Net operating income to assets | 0.7864% | 3,549 |
| Return on assets (ROA) | 1.3191% | 1,872 |
| Pretax return on assets | 1.6195% | 1,685 |
| Return on Equity (ROE) | 14.5006% | 1,286 |
| Retained earnings to average equity (ytd only) | 14.5006% | 489 |
| Net charge-offs to loans | 0.0140% | 1,669 |
| Credit loss provision to net charge-offs | 609.2593% | 617 |
| Earnings coverage of net charge-offs (x) | 149.5370% | 589 |
| Efficiency ratio | 71.9790% | 1,440 |
| Assets per employee ($millions) | 5.6555% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,857 |
| Loan loss allowance to noncurrent loans | 1,301.6783% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,772 |
| Noncurrent loans to loans | 0.0931% | 3,709 |
| Net loans and leases to total assets | 44.4029% | 4,016 |
| Net loans and leases to deposits | 49.6252% | 4,132 |
| Net loans and leases to core deposits | 60.0318% | 3,617 |
| Total domestic deposits to total assets | 89.4765% | 1,040 |
| Equity capital to assets | 9.6315% | 3,216 |
| Core capital (leverage) ratio | 8.8256% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6072% | 1,763 |
| Memoranda: | ||
| Average total assets | $1,610,667,333 | 644 |
| Average earning assets | $1,382,860,667 | 688 |
| Average equity | $146,517,667 | 734 |
| Average total loans | $772,197,333 | 836 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 1,887 |
| Cost of funding earning assets | 0.2894% | 3,106 |
| Net interest margin | 3.5882% | 1,616 |
| Noninterest income to average assets | 0.6786% | 1,931 |
| Noninterest expense to average assets | 2.6673% | 1,695 |
| Loan and lease loss provision to assets | 0.0648% | 1,844 |
| Net operating income to assets | 0.8609% | 3,232 |
| Return on assets (ROA) | 1.1032% | 2,543 |
| Pretax return on assets | 1.3314% | 2,482 |
| Return on Equity (ROE) | 12.5300% | 1,824 |
| Retained earnings to average equity (ytd only) | 12.5300% | 1,021 |
| Net charge-offs to loans | 0.0243% | 1,266 |
| Credit loss provision to net charge-offs | 538.2979% | 576 |
| Earnings coverage of net charge-offs (x) | 91.7447% | 647 |
| Efficiency ratio | 68.6176% | 1,861 |
| Assets per employee ($millions) | 5.6322% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,089 |
| Loan loss allowance to noncurrent loans | 481.8988% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 3,445 |
| Noncurrent loans to loans | 0.2430% | 3,232 |
| Net loans and leases to total assets | 48.4073% | 3,768 |
| Net loans and leases to deposits | 54.9063% | 3,876 |
| Net loans and leases to core deposits | 64.0238% | 3,411 |
| Total domestic deposits to total assets | 88.1634% | 1,759 |
| Equity capital to assets | 8.3612% | 4,221 |
| Core capital (leverage) ratio | 8.2091% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2361% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,562,022,000 | 652 |
| Average earning assets | $1,346,423,000 | 699 |
| Average equity | $137,525,500 | 772 |
| Average total loans | $774,451,000 | 831 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 1,805 |
| Cost of funding earning assets | 0.4301% | 3,407 |
| Net interest margin | 3.8901% | 1,244 |
| Noninterest income to average assets | 0.6870% | 1,905 |
| Noninterest expense to average assets | 2.8777% | 1,743 |
| Loan and lease loss provision to assets | 0.2123% | 1,851 |
| Net operating income to assets | 0.8536% | 2,887 |
| Return on assets (ROA) | 1.0964% | 2,057 |
| Pretax return on assets | 1.3400% | 1,855 |
| Return on Equity (ROE) | 11.3719% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.3719% | 389 |
| Net charge-offs to loans | 0.0333% | 2,381 |
| Credit loss provision to net charge-offs | 1,163.9485% | 699 |
| Earnings coverage of net charge-offs (x) | 68.8584% | 988 |
| Efficiency ratio | 69.0253% | 2,094 |
| Assets per employee ($millions) | 5.4044% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 3,005 |
| Loan loss allowance to noncurrent loans | 370.9240% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 3,344 |
| Noncurrent loans to loans | 0.3204% | 3,056 |
| Net loans and leases to total assets | 49.6211% | 3,850 |
| Net loans and leases to deposits | 60.8313% | 3,692 |
| Net loans and leases to core deposits | 67.4474% | 3,445 |
| Total domestic deposits to total assets | 81.5716% | 3,750 |
| Equity capital to assets | 9.2760% | 3,816 |
| Core capital (leverage) ratio | 8.4279% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4750% | 2,458 |
| Memoranda: | ||
| Average total assets | $1,277,214,200 | 715 |
| Average earning assets | $1,131,656,400 | 732 |
| Average equity | $123,145,400 | 800 |
| Average total loans | $700,689,800 | 868 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,705 |
| Cost of funding earning assets | 0.4681% | 3,431 |
| Net interest margin | 3.9802% | 1,160 |
| Noninterest income to average assets | 0.6751% | 1,880 |
| Noninterest expense to average assets | 2.9885% | 1,467 |
| Loan and lease loss provision to assets | 0.2483% | 1,632 |
| Net operating income to assets | 0.7870% | 3,146 |
| Return on assets (ROA) | 0.9832% | 2,533 |
| Pretax return on assets | 1.2150% | 2,343 |
| Return on Equity (ROE) | 10.0783% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.0783% | 748 |
| Net charge-offs to loans | 0.0439% | 1,998 |
| Credit loss provision to net charge-offs | 1,003.9823% | 818 |
| Earnings coverage of net charge-offs (x) | 49.3673% | 1,200 |
| Efficiency ratio | 70.4202% | 1,828 |
| Assets per employee ($millions) | 5.3634% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,088 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,446 |
| Noncurrent loans to loans | 0.3205% | 3,137 |
| Net loans and leases to total assets | 52.3248% | 3,946 |
| Net loans and leases to deposits | 65.6805% | 3,645 |
| Net loans and leases to core deposits | 71.9112% | 3,480 |
| Total domestic deposits to total assets | 79.6656% | 3,933 |
| Equity capital to assets | 9.1168% | 4,024 |
| Core capital (leverage) ratio | 8.7660% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,218,212,250 | 734 |
| Average earning assets | $1,081,806,000 | 750 |
| Average equity | $118,840,000 | 826 |
| Average total loans | $685,885,000 | 878 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 1,549 |
| Cost of funding earning assets | 0.5279% | 3,363 |
| Net interest margin | 4.1176% | 1,078 |
| Noninterest income to average assets | 0.6379% | 1,983 |
| Noninterest expense to average assets | 3.1716% | 1,211 |
| Loan and lease loss provision to assets | 0.3492% | 1,211 |
| Net operating income to assets | 0.6038% | 3,724 |
| Return on assets (ROA) | 0.9140% | 2,762 |
| Pretax return on assets | 1.1463% | 2,560 |
| Return on Equity (ROE) | 9.1169% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.1169% | 976 |
| Net charge-offs to loans | 0.0398% | 1,950 |
| Credit loss provision to net charge-offs | 1,521.3740% | 594 |
| Earnings coverage of net charge-offs (x) | 48.2672% | 1,127 |
| Efficiency ratio | 73.5855% | 1,503 |
| Assets per employee ($millions) | 4.8579% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 2,966 |
| Loan loss allowance to noncurrent loans | 349.3151% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 3,472 |
| Noncurrent loans to loans | 0.3193% | 3,243 |
| Net loans and leases to total assets | 56.6606% | 3,634 |
| Net loans and leases to deposits | 69.1934% | 3,483 |
| Net loans and leases to core deposits | 75.6787% | 3,307 |
| Total domestic deposits to total assets | 81.8873% | 3,400 |
| Equity capital to assets | 9.4208% | 3,727 |
| Core capital (leverage) ratio | 8.4956% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3146% | 2,477 |
| Memoranda: | ||
| Average total assets | $1,141,581,333 | 763 |
| Average earning assets | $1,009,570,000 | 777 |
| Average equity | $114,446,333 | 853 |
| Average total loans | $659,075,333 | 897 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 1,978 |
| Cost of funding earning assets | 0.6199% | 3,330 |
| Net interest margin | 3.9873% | 1,425 |
| Noninterest income to average assets | 0.8405% | 1,189 |
| Noninterest expense to average assets | 3.2949% | 1,237 |
| Loan and lease loss provision to assets | 0.2193% | 1,412 |
| Net operating income to assets | 0.6588% | 3,415 |
| Return on assets (ROA) | 0.6789% | 3,407 |
| Pretax return on assets | 0.8640% | 3,241 |
| Return on Equity (ROE) | 6.5258% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.5258% | 1,706 |
| Net charge-offs to loans | 0.0386% | 1,653 |
| Credit loss provision to net charge-offs | 979.6610% | 584 |
| Earnings coverage of net charge-offs (x) | 47.2542% | 938 |
| Efficiency ratio | 75.2419% | 1,655 |
| Assets per employee ($millions) | 3.9568% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,978 |
| Loan loss allowance to noncurrent loans | 429.3868% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,619 |
| Noncurrent loans to loans | 0.2660% | 3,541 |
| Net loans and leases to total assets | 56.2632% | 3,821 |
| Net loans and leases to deposits | 64.2519% | 3,969 |
| Net loans and leases to core deposits | 71.3580% | 3,790 |
| Total domestic deposits to total assets | 87.5667% | 1,294 |
| Equity capital to assets | 10.0253% | 3,761 |
| Core capital (leverage) ratio | 9.8580% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9836% | 2,290 |
| Memoranda: | ||
| Average total assets | $1,054,125,500 | 786 |
| Average earning assets | $928,537,500 | 816 |
| Average equity | $109,657,500 | 872 |
| Average total loans | $611,439,000 | 928 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 1,532 |
| Cost of funding earning assets | 0.7298% | 3,019 |
| Net interest margin | 4.2493% | 1,206 |
| Noninterest income to average assets | 0.8038% | 1,444 |
| Noninterest expense to average assets | 3.4627% | 1,014 |
| Loan and lease loss provision to assets | 0.0905% | 2,216 |
| Net operating income to assets | 0.7227% | 3,791 |
| Return on assets (ROA) | 0.8614% | 3,446 |
| Pretax return on assets | 1.0779% | 3,238 |
| Return on Equity (ROE) | 7.8954% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.8954% | 1,006 |
| Net charge-offs to loans | 0.0364% | 2,654 |
| Credit loss provision to net charge-offs | 421.7391% | 675 |
| Earnings coverage of net charge-offs (x) | 46.3768% | 1,187 |
| Efficiency ratio | 77.0722% | 1,259 |
| Assets per employee ($millions) | 3.8641% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,028 |
| Loan loss allowance to noncurrent loans | 394.2840% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,472 |
| Noncurrent loans to loans | 0.2754% | 3,460 |
| Net loans and leases to total assets | 58.5260% | 3,722 |
| Net loans and leases to deposits | 66.0444% | 3,954 |
| Net loans and leases to core deposits | 72.5915% | 3,822 |
| Total domestic deposits to total assets | 88.6161% | 829 |
| Equity capital to assets | 10.8052% | 3,176 |
| Core capital (leverage) ratio | 10.0309% | 3,482 |
| Tier 1 risk-based capital ratio | 13.2076% | 3,679 |
| Total risk-based capital ratio | 14.1216% | 3,740 |
| Memoranda: | ||
| Average total assets | $964,813,400 | 810 |
| Average earning assets | $829,638,400 | 874 |
| Average equity | $105,264,200 | 866 |
| Average total loans | $569,236,000 | 953 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 1,490 |
| Cost of funding earning assets | 0.7391% | 3,018 |
| Net interest margin | 4.2803% | 1,203 |
| Noninterest income to average assets | 0.8775% | 1,203 |
| Noninterest expense to average assets | 3.5698% | 880 |
| Loan and lease loss provision to assets | 0.0923% | 2,065 |
| Net operating income to assets | 0.7239% | 3,930 |
| Return on assets (ROA) | 0.9183% | 3,360 |
| Pretax return on assets | 1.1234% | 3,226 |
| Return on Equity (ROE) | 8.3953% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.3953% | 1,244 |
| Net charge-offs to loans | 0.0245% | 2,613 |
| Credit loss provision to net charge-offs | 638.8350% | 515 |
| Earnings coverage of net charge-offs (x) | 67.7669% | 978 |
| Efficiency ratio | 77.8805% | 1,116 |
| Assets per employee ($millions) | 3.8713% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,140 |
| Loan loss allowance to noncurrent loans | 1,070.0997% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 4,024 |
| Noncurrent loans to loans | 0.1007% | 4,194 |
| Net loans and leases to total assets | 59.8926% | 3,680 |
| Net loans and leases to deposits | 67.9097% | 3,924 |
| Net loans and leases to core deposits | 75.2468% | 3,741 |
| Total domestic deposits to total assets | 88.1945% | 953 |
| Equity capital to assets | 11.1106% | 3,001 |
| Core capital (leverage) ratio | 10.2177% | 3,404 |
| Tier 1 risk-based capital ratio | 13.3357% | 3,666 |
| Total risk-based capital ratio | 14.2609% | 3,743 |
| Memoranda: | ||
| Average total assets | $950,984,750 | 823 |
| Average earning assets | $815,599,000 | 888 |
| Average equity | $104,023,500 | 872 |
| Average total loans | $560,646,750 | 961 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 1,494 |
| Cost of funding earning assets | 0.7357% | 2,970 |
| Net interest margin | 4.2608% | 1,217 |
| Noninterest income to average assets | 0.8799% | 1,123 |
| Noninterest expense to average assets | 3.5556% | 898 |
| Loan and lease loss provision to assets | 0.0986% | 1,895 |
| Net operating income to assets | 0.7282% | 3,901 |
| Return on assets (ROA) | 0.7342% | 3,942 |
| Pretax return on assets | 0.8797% | 3,906 |
| Return on Equity (ROE) | 6.7497% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.7497% | 1,927 |
| Net charge-offs to loans | 0.0274% | 2,308 |
| Credit loss provision to net charge-offs | 617.3333% | 515 |
| Earnings coverage of net charge-offs (x) | 60.7867% | 973 |
| Efficiency ratio | 77.9305% | 1,162 |
| Assets per employee ($millions) | 3.8783% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 2,980 |
| Loan loss allowance to noncurrent loans | 1,028.6885% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 3,981 |
| Noncurrent loans to loans | 0.1087% | 4,188 |
| Net loans and leases to total assets | 57.0041% | 4,011 |
| Net loans and leases to deposits | 64.6483% | 4,187 |
| Net loans and leases to core deposits | 71.5933% | 4,034 |
| Total domestic deposits to total assets | 88.1757% | 1,019 |
| Equity capital to assets | 11.0063% | 3,048 |
| Core capital (leverage) ratio | 10.0631% | 3,523 |
| Tier 1 risk-based capital ratio | 13.7240% | 3,471 |
| Total risk-based capital ratio | 14.6740% | 3,520 |
| Memoranda: | ||
| Average total assets | $938,918,330 | 827 |
| Average earning assets | $803,599,000 | 896 |
| Average equity | $102,137,330 | 881 |
| Average total loans | $548,298,330 | 987 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9680% | 1,420 |
| Cost of funding earning assets | 0.7186% | 2,950 |
| Net interest margin | 4.2494% | 1,197 |
| Noninterest income to average assets | 0.8020% | 1,298 |
| Noninterest expense to average assets | 3.5567% | 895 |
| Loan and lease loss provision to assets | 0.1072% | 1,660 |
| Net operating income to assets | 0.6419% | 4,116 |
| Return on assets (ROA) | 0.6419% | 4,154 |
| Pretax return on assets | 0.7621% | 4,143 |
| Return on Equity (ROE) | 5.9376% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.9376% | 2,478 |
| Net charge-offs to loans | 0.0354% | 1,760 |
| Credit loss provision to net charge-offs | 514.5833% | 596 |
| Earnings coverage of net charge-offs (x) | 41.7292% | 1,125 |
| Efficiency ratio | 79.7215% | 1,085 |
| Assets per employee ($millions) | 3.6770% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,029 |
| Loan loss allowance to noncurrent loans | 635.9457% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,832 |
| Noncurrent loans to loans | 0.1757% | 3,964 |
| Net loans and leases to total assets | 56.5412% | 4,025 |
| Net loans and leases to deposits | 63.8187% | 4,190 |
| Net loans and leases to core deposits | 71.1150% | 4,000 |
| Total domestic deposits to total assets | 88.5965% | 1,038 |
| Equity capital to assets | 10.6783% | 3,183 |
| Core capital (leverage) ratio | 10.4887% | 3,063 |
| Tier 1 risk-based capital ratio | 13.6893% | 3,501 |
| Total risk-based capital ratio | 14.6314% | 3,582 |
| Memoranda: | ||
| Average total assets | $921,650,000 | 850 |
| Average earning assets | $785,990,500 | 917 |
| Average equity | $99,635,500 | 892 |
| Average total loans | $541,855,500 | 1,000 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,597 |
| Cost of funding earning assets | 0.5522% | 3,034 |
| Net interest margin | 4.2280% | 1,333 |
| Noninterest income to average assets | 0.8170% | 1,402 |
| Noninterest expense to average assets | 3.4802% | 1,016 |
| Loan and lease loss provision to assets | 0.1555% | 1,347 |
| Net operating income to assets | 0.7401% | 4,002 |
| Return on assets (ROA) | 0.7429% | 3,998 |
| Pretax return on assets | 0.9028% | 3,893 |
| Return on Equity (ROE) | 6.7982% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.7982% | 1,755 |
| Net charge-offs to loans | 0.0914% | 1,860 |
| Credit loss provision to net charge-offs | 286.0814% | 1,065 |
| Earnings coverage of net charge-offs (x) | 19.4111% | 2,062 |
| Efficiency ratio | 75.7210% | 1,402 |
| Assets per employee ($millions) | 3.4533% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,159 |
| Loan loss allowance to noncurrent loans | 603.7949% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 3,770 |
| Noncurrent loans to loans | 0.1808% | 3,941 |
| Net loans and leases to total assets | 59.8539% | 3,794 |
| Net loans and leases to deposits | 68.7010% | 3,926 |
| Net loans and leases to core deposits | 75.7328% | 3,739 |
| Total domestic deposits to total assets | 87.1222% | 1,721 |
| Equity capital to assets | 10.9519% | 2,727 |
| Core capital (leverage) ratio | 10.5969% | 2,932 |
| Tier 1 risk-based capital ratio | 13.8098% | 3,379 |
| Total risk-based capital ratio | 14.7457% | 3,458 |
| Memoranda: | ||
| Average total assets | $859,351,400 | 883 |
| Average earning assets | $755,699,600 | 929 |
| Average equity | $93,907,600 | 900 |
| Average total loans | $511,160,200 | 1,027 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,619 |
| Cost of funding earning assets | 0.5176% | 3,076 |
| Net interest margin | 4.2020% | 1,354 |
| Noninterest income to average assets | 0.7877% | 1,517 |
| Noninterest expense to average assets | 3.4677% | 1,029 |
| Loan and lease loss provision to assets | 0.1309% | 1,542 |
| Net operating income to assets | 0.7325% | 4,130 |
| Return on assets (ROA) | 0.7363% | 4,135 |
| Pretax return on assets | 0.8890% | 4,059 |
| Return on Equity (ROE) | 6.7418% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.7418% | 2,267 |
| Net charge-offs to loans | 0.0071% | 3,169 |
| Credit loss provision to net charge-offs | 3,096.2963% | 138 |
| Earnings coverage of net charge-offs (x) | 240.1422% | 381 |
| Efficiency ratio | 76.3072% | 1,313 |
| Assets per employee ($millions) | 3.4942% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,015 |
| Loan loss allowance to noncurrent loans | 401.5851% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,596 |
| Noncurrent loans to loans | 0.2817% | 3,677 |
| Net loans and leases to total assets | 58.7590% | 3,967 |
| Net loans and leases to deposits | 66.4033% | 4,165 |
| Net loans and leases to core deposits | 72.1220% | 4,076 |
| Total domestic deposits to total assets | 88.4881% | 1,050 |
| Equity capital to assets | 10.8042% | 2,841 |
| Core capital (leverage) ratio | 10.6074% | 2,971 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,296 |
| Total risk-based capital ratio | 15.1198% | 3,341 |
| Memoranda: | ||
| Average total assets | $851,449,250 | 892 |
| Average earning assets | $748,794,250 | 935 |
| Average equity | $92,990,250 | 899 |
| Average total loans | $504,160,000 | 1,038 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,632 |
| Cost of funding earning assets | 0.4831% | 3,141 |
| Net interest margin | 4.1708% | 1,351 |
| Noninterest income to average assets | 0.7646% | 1,592 |
| Noninterest expense to average assets | 3.4621% | 1,047 |
| Loan and lease loss provision to assets | 0.1808% | 995 |
| Net operating income to assets | 0.6706% | 4,285 |
| Return on assets (ROA) | 0.6763% | 4,269 |
| Pretax return on assets | 0.8150% | 4,205 |
| Return on Equity (ROE) | 6.1695% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.1695% | 2,474 |
| Net charge-offs to loans | 0.0140% | 2,670 |
| Credit loss provision to net charge-offs | 2,185.7143% | 192 |
| Earnings coverage of net charge-offs (x) | 119.5714% | 618 |
| Efficiency ratio | 76.7107% | 1,347 |
| Assets per employee ($millions) | 3.4408% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,136 |
| Loan loss allowance to noncurrent loans | 347.9419% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,566 |
| Noncurrent loans to loans | 0.3227% | 3,548 |
| Net loans and leases to total assets | 59.0735% | 3,895 |
| Net loans and leases to deposits | 66.6950% | 4,126 |
| Net loans and leases to core deposits | 72.1649% | 3,997 |
| Total domestic deposits to total assets | 88.5726% | 1,110 |
| Equity capital to assets | 10.8164% | 2,821 |
| Core capital (leverage) ratio | 10.5012% | 3,029 |
| Tier 1 risk-based capital ratio | 14.3164% | 3,199 |
| Total risk-based capital ratio | 15.3030% | 3,254 |
| Memoranda: | ||
| Average total assets | $846,412,000 | 899 |
| Average earning assets | $748,106,670 | 939 |
| Average equity | $92,778,670 | 900 |
| Average total loans | $500,543,330 | 1,046 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,689 |
| Cost of funding earning assets | 0.4382% | 3,302 |
| Net interest margin | 4.1216% | 1,382 |
| Noninterest income to average assets | 0.7655% | 1,566 |
| Noninterest expense to average assets | 3.4045% | 1,156 |
| Loan and lease loss provision to assets | 0.1184% | 1,594 |
| Net operating income to assets | 0.7532% | 3,897 |
| Return on assets (ROA) | 0.7532% | 3,898 |
| Pretax return on assets | 0.9053% | 3,831 |
| Return on Equity (ROE) | 6.8252% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.8252% | 2,355 |
| Net charge-offs to loans | 0.0129% | 2,296 |
| Credit loss provision to net charge-offs | 1,556.2500% | 227 |
| Earnings coverage of net charge-offs (x) | 134.5625% | 483 |
| Efficiency ratio | 75.7651% | 1,625 |
| Assets per employee ($millions) | 3.6614% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,660 |
| Loan loss allowance to noncurrent loans | 363.7119% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,732 |
| Noncurrent loans to loans | 0.2887% | 3,739 |
| Net loans and leases to total assets | 59.2772% | 3,825 |
| Net loans and leases to deposits | 67.0150% | 4,022 |
| Net loans and leases to core deposits | 73.1554% | 3,870 |
| Total domestic deposits to total assets | 88.4535% | 1,375 |
| Equity capital to assets | 11.0117% | 2,564 |
| Core capital (leverage) ratio | 10.5416% | 2,900 |
| Tier 1 risk-based capital ratio | 14.3383% | 3,206 |
| Total risk-based capital ratio | 15.2534% | 3,294 |
| Memoranda: | ||
| Average total assets | $841,234,500 | 912 |
| Average earning assets | $747,568,500 | 948 |
| Average equity | $92,832,500 | 907 |
| Average total loans | $494,880,000 | 1,066 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 1,555 |
| Cost of funding earning assets | 0.4241% | 3,010 |
| Net interest margin | 4.1287% | 1,350 |
| Noninterest income to average assets | 0.7914% | 1,600 |
| Noninterest expense to average assets | 3.4992% | 1,038 |
| Loan and lease loss provision to assets | 0.1881% | 1,122 |
| Net operating income to assets | 0.5602% | 4,188 |
| Return on assets (ROA) | 0.5619% | 4,213 |
| Pretax return on assets | 0.7694% | 4,337 |
| Return on Equity (ROE) | 5.6870% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.6870% | 1,713 |
| Net charge-offs to loans | 0.0554% | 2,696 |
| Credit loss provision to net charge-offs | 602.0408% | 536 |
| Earnings coverage of net charge-offs (x) | 30.5755% | 1,528 |
| Efficiency ratio | 77.9963% | 1,350 |
| Assets per employee ($millions) | 3.8530% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,774 |
| Loan loss allowance to noncurrent loans | 457.0128% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 3,931 |
| Noncurrent loans to loans | 0.2242% | 4,007 |
| Net loans and leases to total assets | 57.1737% | 4,090 |
| Net loans and leases to deposits | 64.6427% | 4,286 |
| Net loans and leases to core deposits | 70.8018% | 4,121 |
| Total domestic deposits to total assets | 88.4458% | 1,273 |
| Equity capital to assets | 11.0584% | 2,574 |
| Core capital (leverage) ratio | 10.2531% | 3,125 |
| Tier 1 risk-based capital ratio | 14.1503% | 3,282 |
| Total risk-based capital ratio | 15.0325% | 3,395 |
| Memoranda: | ||
| Average total assets | $784,287,200 | 949 |
| Average earning assets | $695,809,600 | 981 |
| Average equity | $77,492,600 | 1,040 |
| Average total loans | $441,854,600 | 1,145 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,633 |
| Cost of funding earning assets | 0.4244% | 2,937 |
| Net interest margin | 4.0779% | 1,455 |
| Noninterest income to average assets | 0.7882% | 1,628 |
| Noninterest expense to average assets | 3.5810% | 893 |
| Loan and lease loss provision to assets | 0.1884% | 1,036 |
| Net operating income to assets | 0.4596% | 4,852 |
| Return on assets (ROA) | 0.4617% | 4,877 |
| Pretax return on assets | 0.6399% | 4,760 |
| Return on Equity (ROE) | 4.8316% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.8316% | 2,996 |
| Net charge-offs to loans | 0.0757% | 2,059 |
| Credit loss provision to net charge-offs | 445.0820% | 710 |
| Earnings coverage of net charge-offs (x) | 19.4956% | 1,999 |
| Efficiency ratio | 80.6820% | 1,026 |
| Assets per employee ($millions) | 3.9195% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,204 |
| Loan loss allowance to noncurrent loans | 463.8277% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 4,125 |
| Noncurrent loans to loans | 0.2104% | 4,232 |
| Net loans and leases to total assets | 56.2606% | 4,210 |
| Net loans and leases to deposits | 62.8218% | 4,452 |
| Net loans and leases to core deposits | 68.5395% | 4,331 |
| Total domestic deposits to total assets | 89.5559% | 641 |
| Equity capital to assets | 9.8246% | 4,113 |
| Core capital (leverage) ratio | 8.8641% | 4,910 |
| Tier 1 risk-based capital ratio | 12.4345% | 4,362 |
| Total risk-based capital ratio | 13.2851% | 4,482 |
| Memoranda: | ||
| Average total assets | $768,444,000 | 968 |
| Average earning assets | $681,809,500 | 996 |
| Average equity | $73,431,250 | 1,094 |
| Average total loans | $429,904,000 | 1,174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,732 |
| Cost of funding earning assets | 0.4260% | 2,840 |
| Net interest margin | 4.0023% | 1,598 |
| Noninterest income to average assets | 0.7276% | 1,874 |
| Noninterest expense to average assets | 3.6928% | 778 |
| Loan and lease loss provision to assets | 0.1868% | 1,012 |
| Net operating income to assets | 0.3172% | 5,180 |
| Return on assets (ROA) | 0.3208% | 5,192 |
| Pretax return on assets | 0.4307% | 5,112 |
| Return on Equity (ROE) | 3.3714% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.3714% | 3,707 |
| Net charge-offs to loans | 0.0650% | 2,005 |
| Credit loss provision to net charge-offs | 516.2963% | 647 |
| Earnings coverage of net charge-offs (x) | 16.9333% | 1,950 |
| Efficiency ratio | 85.1425% | 748 |
| Assets per employee ($millions) | 3.6222% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,402 |
| Loan loss allowance to noncurrent loans | 431.5476% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,965 |
| Noncurrent loans to loans | 0.2208% | 4,235 |
| Net loans and leases to total assets | 55.9809% | 4,229 |
| Net loans and leases to deposits | 62.5790% | 4,464 |
| Net loans and leases to core deposits | 68.4267% | 4,328 |
| Total domestic deposits to total assets | 89.4564% | 740 |
| Equity capital to assets | 9.9873% | 3,927 |
| Core capital (leverage) ratio | 8.7901% | 4,959 |
| Tier 1 risk-based capital ratio | 12.0672% | 4,594 |
| Total risk-based capital ratio | 12.8581% | 4,772 |
| Memoranda: | ||
| Average total assets | $746,307,330 | 998 |
| Average earning assets | $667,173,000 | 1,022 |
| Average equity | $71,008,330 | 1,125 |
| Average total loans | $415,097,670 | 1,205 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,520 |
| Cost of funding earning assets | 0.4312% | 2,707 |
| Net interest margin | 3.7077% | 2,460 |
| Noninterest income to average assets | 0.7116% | 1,912 |
| Noninterest expense to average assets | 3.1515% | 1,737 |
| Loan and lease loss provision to assets | 0.1358% | 1,407 |
| Net operating income to assets | 0.5109% | 4,553 |
| Return on assets (ROA) | 0.5109% | 4,583 |
| Pretax return on assets | 0.7502% | 4,288 |
| Return on Equity (ROE) | 5.5246% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.5246% | 2,583 |
| Net charge-offs to loans | 0.1156% | 1,241 |
| Credit loss provision to net charge-offs | 213.1579% | 976 |
| Earnings coverage of net charge-offs (x) | 13.9035% | 1,754 |
| Efficiency ratio | 77.2948% | 1,720 |
| Assets per employee ($millions) | 3.8262% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,801 |
| Loan loss allowance to noncurrent loans | 268.1040% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,998 |
| Noncurrent loans to loans | 0.3315% | 3,921 |
| Net loans and leases to total assets | 53.5988% | 4,370 |
| Net loans and leases to deposits | 59.7961% | 4,575 |
| Net loans and leases to core deposits | 65.6895% | 4,445 |
| Total domestic deposits to total assets | 89.6359% | 838 |
| Equity capital to assets | 9.7507% | 4,018 |
| Core capital (leverage) ratio | 10.4524% | 2,957 |
| Tier 1 risk-based capital ratio | 12.5353% | 4,368 |
| Total risk-based capital ratio | 13.2776% | 4,593 |
| Memoranda: | ||
| Average total assets | $715,586,500 | 1,037 |
| Average earning assets | $641,910,500 | 1,058 |
| Average equity | $66,176,500 | 1,206 |
| Average total loans | $394,379,000 | 1,256 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 1,931 |
| Cost of funding earning assets | 0.4979% | 2,107 |
| Net interest margin | 3.8674% | 2,071 |
| Noninterest income to average assets | 0.7671% | 1,894 |
| Noninterest expense to average assets | 3.2232% | 1,736 |
| Loan and lease loss provision to assets | 0.2359% | 913 |
| Net operating income to assets | 0.5942% | 4,230 |
| Return on assets (ROA) | 0.6106% | 4,280 |
| Pretax return on assets | 0.7466% | 4,356 |
| Return on Equity (ROE) | 6.8176% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.8176% | 1,302 |
| Net charge-offs to loans | 0.1716% | 1,588 |
| Credit loss provision to net charge-offs | 246.7372% | 1,174 |
| Earnings coverage of net charge-offs (x) | 10.0653% | 2,687 |
| Efficiency ratio | 76.1684% | 1,956 |
| Assets per employee ($millions) | 4.1634% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,773 |
| Loan loss allowance to noncurrent loans | 680.0718% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 4,309 |
| Noncurrent loans to loans | 0.1600% | 4,591 |
| Net loans and leases to total assets | 55.8646% | 4,276 |
| Net loans and leases to deposits | 61.5169% | 4,576 |
| Net loans and leases to core deposits | 70.6162% | 4,189 |
| Total domestic deposits to total assets | 90.8119% | 340 |
| Equity capital to assets | 8.5828% | 5,207 |
| Core capital (leverage) ratio | 8.5514% | 5,213 |
| Tier 1 risk-based capital ratio | 11.7529% | 4,890 |
| Total risk-based capital ratio | 12.6422% | 5,020 |
| Memoranda: | ||
| Average total assets | $592,982,800 | 1,178 |
| Average earning assets | $524,154,400 | 1,222 |
| Average equity | $53,112,400 | 1,447 |
| Average total loans | $330,402,800 | 1,411 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 1,923 |
| Cost of funding earning assets | 0.4975% | 2,121 |
| Net interest margin | 3.8793% | 2,053 |
| Noninterest income to average assets | 0.7343% | 2,025 |
| Noninterest expense to average assets | 3.2593% | 1,656 |
| Loan and lease loss provision to assets | 0.2382% | 813 |
| Net operating income to assets | 0.5797% | 4,371 |
| Return on assets (ROA) | 0.6038% | 4,391 |
| Pretax return on assets | 0.6807% | 4,664 |
| Return on Equity (ROE) | 6.6679% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.6679% | 1,805 |
| Net charge-offs to loans | 0.1681% | 1,362 |
| Credit loss provision to net charge-offs | 255.2311% | 1,181 |
| Earnings coverage of net charge-offs (x) | 9.5571% | 2,674 |
| Efficiency ratio | 77.6611% | 1,737 |
| Assets per employee ($millions) | 4.1282% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,966 |
| Loan loss allowance to noncurrent loans | 357.2565% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 3,645 |
| Noncurrent loans to loans | 0.3014% | 4,171 |
| Net loans and leases to total assets | 54.4045% | 4,460 |
| Net loans and leases to deposits | 60.3764% | 4,730 |
| Net loans and leases to core deposits | 69.9190% | 4,332 |
| Total domestic deposits to total assets | 90.1089% | 444 |
| Equity capital to assets | 9.0774% | 5,098 |
| Core capital (leverage) ratio | 8.5507% | 5,317 |
| Tier 1 risk-based capital ratio | 11.7848% | 4,928 |
| Total risk-based capital ratio | 12.6610% | 5,044 |
| Memoranda: | ||
| Average total assets | $587,182,000 | 1,190 |
| Average earning assets | $517,200,000 | 1,240 |
| Average equity | $53,169,000 | 1,452 |
| Average total loans | $325,999,000 | 1,428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,806 |
| Cost of funding earning assets | 0.4939% | 2,156 |
| Net interest margin | 3.9139% | 1,934 |
| Noninterest income to average assets | 0.7230% | 2,037 |
| Noninterest expense to average assets | 3.3143% | 1,566 |
| Loan and lease loss provision to assets | 0.3045% | 583 |
| Net operating income to assets | 0.5566% | 4,453 |
| Return on assets (ROA) | 0.5883% | 4,445 |
| Pretax return on assets | 0.5890% | 4,910 |
| Return on Equity (ROE) | 6.5030% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.5030% | 1,874 |
| Net charge-offs to loans | 0.0680% | 2,214 |
| Credit loss provision to net charge-offs | 803.6364% | 448 |
| Earnings coverage of net charge-offs (x) | 22.7455% | 1,614 |
| Efficiency ratio | 78.5054% | 1,711 |
| Assets per employee ($millions) | 3.9284% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 3,814 |
| Loan loss allowance to noncurrent loans | 308.2645% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 3,539 |
| Noncurrent loans to loans | 0.3647% | 4,055 |
| Net loans and leases to total assets | 55.6767% | 4,349 |
| Net loans and leases to deposits | 61.8131% | 4,671 |
| Net loans and leases to core deposits | 72.2764% | 4,147 |
| Total domestic deposits to total assets | 90.0728% | 463 |
| Equity capital to assets | 9.1760% | 5,093 |
| Core capital (leverage) ratio | 8.5185% | 5,350 |
| Tier 1 risk-based capital ratio | 11.8948% | 4,896 |
| Total risk-based capital ratio | 12.8144% | 5,005 |
| Memoranda: | ||
| Average total assets | $580,627,000 | 1,210 |
| Average earning assets | $512,279,670 | 1,258 |
| Average equity | $52,530,000 | 1,475 |
| Average total loans | $323,416,670 | 1,443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 1,879 |
| Cost of funding earning assets | 0.4847% | 2,234 |
| Net interest margin | 3.8893% | 1,963 |
| Noninterest income to average assets | 0.7364% | 1,876 |
| Noninterest expense to average assets | 3.3218% | 1,550 |
| Loan and lease loss provision to assets | 0.4053% | 338 |
| Net operating income to assets | 0.6392% | 4,028 |
| Return on assets (ROA) | 0.6726% | 3,984 |
| Pretax return on assets | 0.4289% | 5,247 |
| Return on Equity (ROE) | 7.4884% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.4884% | 1,667 |
| Net charge-offs to loans | 0.1115% | 1,457 |
| Credit loss provision to net charge-offs | 656.1798% | 498 |
| Earnings coverage of net charge-offs (x) | 12.9663% | 1,761 |
| Efficiency ratio | 79.6970% | 1,649 |
| Assets per employee ($millions) | 3.8703% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,297 |
| Loan loss allowance to noncurrent loans | 835.5932% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,153 |
| Noncurrent loans to loans | 0.1267% | 4,967 |
| Net loans and leases to total assets | 54.1293% | 4,437 |
| Net loans and leases to deposits | 60.7939% | 4,659 |
| Net loans and leases to core deposits | 69.0575% | 4,316 |
| Total domestic deposits to total assets | 89.0375% | 1,081 |
| Equity capital to assets | 8.8460% | 5,301 |
| Core capital (leverage) ratio | 8.6658% | 5,214 |
| Tier 1 risk-based capital ratio | 11.6661% | 5,123 |
| Total risk-based capital ratio | 12.5165% | 5,266 |
| Memoranda: | ||
| Average total assets | $576,312,000 | 1,215 |
| Average earning assets | $501,784,000 | 1,281 |
| Average equity | $51,760,000 | 1,487 |
| Average total loans | $319,220,500 | 1,452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,248 |
| Cost of funding earning assets | 0.4845% | 2,314 |
| Net interest margin | 4.1504% | 1,279 |
| Noninterest income to average assets | 0.7666% | 1,912 |
| Noninterest expense to average assets | 3.6215% | 1,087 |
| Loan and lease loss provision to assets | 0.2117% | 986 |
| Net operating income to assets | 0.3954% | 5,067 |
| Return on assets (ROA) | 0.4431% | 4,992 |
| Pretax return on assets | 0.5910% | 4,870 |
| Return on Equity (ROE) | 4.3609% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.3609% | 2,878 |
| Net charge-offs to loans | -0.0382% | 5,481 |
| Credit loss provision to net charge-offs | -976.6355% | 5,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9272% | 1,420 |
| Assets per employee ($millions) | 3.5909% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 4,886 |
| Loan loss allowance to noncurrent loans | 164.0400% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 3,702 |
| Noncurrent loans to loans | 0.5769% | 3,441 |
| Net loans and leases to total assets | 55.5894% | 4,330 |
| Net loans and leases to deposits | 61.5121% | 4,668 |
| Net loans and leases to core deposits | 69.9815% | 4,301 |
| Total domestic deposits to total assets | 90.3714% | 477 |
| Equity capital to assets | 9.1223% | 4,997 |
| Core capital (leverage) ratio | 8.8423% | 5,065 |
| Tier 1 risk-based capital ratio | 12.4511% | 4,666 |
| Total risk-based capital ratio | 13.2500% | 4,848 |
| Memoranda: | ||
| Average total assets | $493,607,400 | 1,366 |
| Average earning assets | $427,432,200 | 1,458 |
| Average equity | $50,149,800 | 1,487 |
| Average total loans | $280,387,400 | 1,558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 1,287 |
| Cost of funding earning assets | 0.4846% | 2,368 |
| Net interest margin | 4.1345% | 1,313 |
| Noninterest income to average assets | 0.7753% | 1,903 |
| Noninterest expense to average assets | 3.7029% | 971 |
| Loan and lease loss provision to assets | 0.1992% | 1,011 |
| Net operating income to assets | 0.3416% | 5,340 |
| Return on assets (ROA) | 0.3655% | 5,358 |
| Pretax return on assets | 0.4724% | 5,287 |
| Return on Equity (ROE) | 3.4932% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.4932% | 3,982 |
| Net charge-offs to loans | 0.0069% | 3,933 |
| Credit loss provision to net charge-offs | 5,100.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 163.9668% | 430 |
| Efficiency ratio | 84.0827% | 1,159 |
| Assets per employee ($millions) | 3.5109% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,318 |
| Loan loss allowance to noncurrent loans | 83.8019% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 3,611 |
| Noncurrent loans to loans | 1.0293% | 2,420 |
| Net loans and leases to total assets | 54.2843% | 4,540 |
| Net loans and leases to deposits | 60.5330% | 4,816 |
| Net loans and leases to core deposits | 66.4552% | 4,656 |
| Total domestic deposits to total assets | 89.6771% | 700 |
| Equity capital to assets | 9.5719% | 4,667 |
| Core capital (leverage) ratio | 9.4897% | 4,316 |
| Tier 1 risk-based capital ratio | 12.9801% | 4,434 |
| Total risk-based capital ratio | 13.7096% | 4,689 |
| Memoranda: | ||
| Average total assets | $477,880,000 | 1,417 |
| Average earning assets | $412,417,500 | 1,505 |
| Average equity | $50,000,750 | 1,494 |
| Average total loans | $272,412,750 | 1,613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,216 |
| Cost of funding earning assets | 0.4902% | 2,350 |
| Net interest margin | 4.1386% | 1,256 |
| Noninterest income to average assets | 0.8053% | 1,758 |
| Noninterest expense to average assets | 3.7602% | 919 |
| Loan and lease loss provision to assets | 0.1768% | 1,171 |
| Net operating income to assets | 0.3500% | 5,298 |
| Return on assets (ROA) | 0.3449% | 5,416 |
| Pretax return on assets | 0.4374% | 5,385 |
| Return on Equity (ROE) | 3.1918% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.1918% | 4,018 |
| Net charge-offs to loans | 0.0308% | 3,046 |
| Credit loss provision to net charge-offs | 992.6829% | 369 |
| Earnings coverage of net charge-offs (x) | 34.8537% | 1,235 |
| Efficiency ratio | 84.6322% | 1,198 |
| Assets per employee ($millions) | 3.1311% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 5,638 |
| Loan loss allowance to noncurrent loans | 62.6805% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 3,238 |
| Noncurrent loans to loans | 1.2512% | 2,155 |
| Net loans and leases to total assets | 56.9313% | 4,230 |
| Net loans and leases to deposits | 64.0494% | 4,529 |
| Net loans and leases to core deposits | 69.5062% | 4,370 |
| Total domestic deposits to total assets | 88.8864% | 1,196 |
| Equity capital to assets | 10.3591% | 3,606 |
| Core capital (leverage) ratio | 10.1406% | 3,409 |
| Tier 1 risk-based capital ratio | 13.7842% | 4,041 |
| Total risk-based capital ratio | 14.4540% | 4,320 |
| Memoranda: | ||
| Average total assets | $460,458,670 | 1,473 |
| Average earning assets | $397,815,670 | 1,558 |
| Average equity | $49,752,670 | 1,509 |
| Average total loans | $266,454,000 | 1,651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,120 |
| Cost of funding earning assets | 0.4809% | 2,445 |
| Net interest margin | 4.1709% | 1,128 |
| Noninterest income to average assets | 0.8203% | 1,630 |
| Noninterest expense to average assets | 3.7456% | 940 |
| Loan and lease loss provision to assets | 0.0890% | 2,208 |
| Net operating income to assets | 0.4619% | 4,823 |
| Return on assets (ROA) | 0.4511% | 4,983 |
| Pretax return on assets | 0.5908% | 4,938 |
| Return on Equity (ROE) | 4.0843% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.0843% | 3,552 |
| Net charge-offs to loans | 0.0306% | 2,579 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 990 |
| Efficiency ratio | 83.1463% | 1,467 |
| Assets per employee ($millions) | 3.1020% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 5,886 |
| Loan loss allowance to noncurrent loans | 45.3648% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,774 |
| Noncurrent loans to loans | 1.5674% | 1,782 |
| Net loans and leases to total assets | 58.4890% | 3,873 |
| Net loans and leases to deposits | 66.3980% | 4,113 |
| Net loans and leases to core deposits | 72.2758% | 3,937 |
| Total domestic deposits to total assets | 88.0885% | 1,767 |
| Equity capital to assets | 11.1432% | 2,817 |
| Core capital (leverage) ratio | 10.4770% | 2,994 |
| Tier 1 risk-based capital ratio | 14.5983% | 3,664 |
| Total risk-based capital ratio | 15.2300% | 3,953 |
| Memoranda: | ||
| Average total assets | $449,595,500 | 1,521 |
| Average earning assets | $390,132,500 | 1,591 |
| Average equity | $49,654,000 | 1,514 |
| Average total loans | $261,339,000 | 1,676 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,410 |
| Cost of funding earning assets | 0.5482% | 2,216 |
| Net interest margin | 4.1067% | 1,558 |
| Noninterest income to average assets | 0.9053% | 1,488 |
| Noninterest expense to average assets | 3.7061% | 1,136 |
| Loan and lease loss provision to assets | 0.1102% | 2,329 |
| Net operating income to assets | 0.4045% | 5,206 |
| Return on assets (ROA) | 0.4077% | 5,258 |
| Pretax return on assets | 0.5100% | 5,222 |
| Return on Equity (ROE) | 3.5645% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.5645% | 3,691 |
| Net charge-offs to loans | -0.0112% | 5,582 |
| Credit loss provision to net charge-offs | -1,840.0000% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1933% | 1,388 |
| Assets per employee ($millions) | 3.1872% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,993 |
| Loan loss allowance to noncurrent loans | 52.9187% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 3,252 |
| Noncurrent loans to loans | 1.3228% | 2,226 |
| Net loans and leases to total assets | 56.9452% | 4,205 |
| Net loans and leases to deposits | 64.5301% | 4,473 |
| Net loans and leases to core deposits | 70.9835% | 4,219 |
| Total domestic deposits to total assets | 88.2459% | 1,637 |
| Equity capital to assets | 10.9451% | 2,951 |
| Core capital (leverage) ratio | 10.2631% | 3,225 |
| Tier 1 risk-based capital ratio | 14.9306% | 3,529 |
| Total risk-based capital ratio | 15.5209% | 3,843 |
| Memoranda: | ||
| Average total assets | $417,442,200 | 1,586 |
| Average earning assets | $347,336,000 | 1,724 |
| Average equity | $47,748,000 | 1,509 |
| Average total loans | $223,511,400 | 1,877 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 1,515 |
| Cost of funding earning assets | 0.5471% | 2,314 |
| Net interest margin | 4.0731% | 1,661 |
| Noninterest income to average assets | 0.9271% | 1,428 |
| Noninterest expense to average assets | 3.7509% | 1,034 |
| Loan and lease loss provision to assets | 0.1280% | 1,956 |
| Net operating income to assets | 0.3292% | 5,497 |
| Return on assets (ROA) | 0.3341% | 5,546 |
| Pretax return on assets | 0.3995% | 5,574 |
| Return on Equity (ROE) | 2.8867% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.8867% | 4,545 |
| Net charge-offs to loans | -0.0155% | 5,544 |
| Credit loss provision to net charge-offs | -1,572.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7906% | 1,020 |
| Assets per employee ($millions) | 3.1824% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 6,048 |
| Loan loss allowance to noncurrent loans | 52.5886% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 3,476 |
| Noncurrent loans to loans | 1.3796% | 2,344 |
| Net loans and leases to total assets | 54.1179% | 4,562 |
| Net loans and leases to deposits | 61.4523% | 4,800 |
| Net loans and leases to core deposits | 67.8796% | 4,519 |
| Total domestic deposits to total assets | 88.0649% | 1,727 |
| Equity capital to assets | 10.9464% | 3,006 |
| Core capital (leverage) ratio | 10.5590% | 2,970 |
| Tier 1 risk-based capital ratio | 15.3731% | 3,389 |
| Total risk-based capital ratio | 15.9684% | 3,688 |
| Memoranda: | ||
| Average total assets | $409,453,000 | 1,629 |
| Average earning assets | $336,311,500 | 1,794 |
| Average equity | $47,388,250 | 1,527 |
| Average total loans | $214,960,500 | 1,951 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,649 |
| Cost of funding earning assets | 0.5429% | 2,407 |
| Net interest margin | 4.0141% | 1,772 |
| Noninterest income to average assets | 0.9711% | 1,284 |
| Noninterest expense to average assets | 3.8474% | 911 |
| Loan and lease loss provision to assets | 0.0806% | 2,689 |
| Net operating income to assets | 0.2790% | 5,636 |
| Return on assets (ROA) | 0.2868% | 5,682 |
| Pretax return on assets | 0.3279% | 5,732 |
| Return on Equity (ROE) | 2.4300% | 5,719 |
| Retained earnings to average equity (ytd only) | 2.4300% | 4,661 |
| Net charge-offs to loans | 0.0174% | 3,874 |
| Credit loss provision to net charge-offs | 894.4444% | 366 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 982 |
| Efficiency ratio | 90.5941% | 869 |
| Assets per employee ($millions) | 3.1267% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 6,184 |
| Loan loss allowance to noncurrent loans | 35.6498% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 2,955 |
| Noncurrent loans to loans | 1.9462% | 1,740 |
| Net loans and leases to total assets | 51.0885% | 4,849 |
| Net loans and leases to deposits | 58.4785% | 4,996 |
| Net loans and leases to core deposits | 64.1440% | 4,811 |
| Total domestic deposits to total assets | 87.3629% | 2,270 |
| Equity capital to assets | 11.6705% | 2,263 |
| Core capital (leverage) ratio | 11.1217% | 2,314 |
| Tier 1 risk-based capital ratio | 16.8194% | 2,699 |
| Total risk-based capital ratio | 17.3743% | 2,970 |
| Memoranda: | ||
| Average total assets | $399,545,330 | 1,659 |
| Average earning assets | $326,047,670 | 1,845 |
| Average equity | $47,159,670 | 1,521 |
| Average total loans | $206,810,670 | 2,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,422 |
| Cost of funding earning assets | 0.5475% | 2,442 |
| Net interest margin | 4.0825% | 1,515 |
| Noninterest income to average assets | 1.0585% | 999 |
| Noninterest expense to average assets | 3.9086% | 852 |
| Loan and lease loss provision to assets | 0.1795% | 1,342 |
| Net operating income to assets | 0.2609% | 5,626 |
| Return on assets (ROA) | 0.2656% | 5,655 |
| Pretax return on assets | 0.2869% | 5,748 |
| Return on Equity (ROE) | 2.2375% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.2375% | 4,710 |
| Net charge-offs to loans | 0.0059% | 3,535 |
| Credit loss provision to net charge-offs | 5,900.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 151.6667% | 320 |
| Efficiency ratio | 89.4432% | 1,086 |
| Assets per employee ($millions) | 3.0741% | 5,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 6,236 |
| Loan loss allowance to noncurrent loans | 46.2802% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 1,850 |
| Noncurrent loans to loans | 1.5726% | 2,458 |
| Net loans and leases to total assets | 51.3525% | 4,745 |
| Net loans and leases to deposits | 58.9127% | 4,853 |
| Net loans and leases to core deposits | 63.8871% | 4,698 |
| Total domestic deposits to total assets | 87.1670% | 2,721 |
| Equity capital to assets | 11.8737% | 1,956 |
| Core capital (leverage) ratio | 11.4082% | 2,042 |
| Tier 1 risk-based capital ratio | 17.3252% | 2,547 |
| Total risk-based capital ratio | 17.9143% | 2,793 |
| Memoranda: | ||
| Average total assets | $394,519,500 | 1,689 |
| Average earning assets | $320,002,000 | 1,886 |
| Average equity | $46,838,500 | 1,529 |
| Average total loans | $204,856,500 | 2,014 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 3,321 |
| Cost of funding earning assets | 0.5414% | 3,180 |
| Net interest margin | 3.6665% | 3,188 |
| Noninterest income to average assets | 0.4809% | 3,877 |
| Noninterest expense to average assets | 3.6115% | 1,424 |
| Loan and lease loss provision to assets | 0.1091% | 2,978 |
| Net operating income to assets | -0.1495% | 6,339 |
| Return on assets (ROA) | -0.1390% | 6,348 |
| Pretax return on assets | -0.2178% | 6,366 |
| Return on Equity (ROE) | -0.9842% | 6,323 |
| Retained earnings to average equity (ytd only) | -0.9842% | 6,058 |
| Net charge-offs to loans | -0.0577% | 6,359 |
| Credit loss provision to net charge-offs | -349.2754% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3380% | 414 |
| Assets per employee ($millions) | 2.8440% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 6,425 |
| Loan loss allowance to noncurrent loans | 40.0668% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 1.8931% | 1,919 |
| Noncurrent loans to loans | 1.6092% | 2,494 |
| Net loans and leases to total assets | 51.7881% | 4,883 |
| Net loans and leases to deposits | 59.4108% | 4,989 |
| Net loans and leases to core deposits | 64.4736% | 4,825 |
| Total domestic deposits to total assets | 87.1696% | 2,637 |
| Equity capital to assets | 11.8709% | 1,885 |
| Core capital (leverage) ratio | 11.2501% | 2,156 |
| Tier 1 risk-based capital ratio | 16.8967% | 2,658 |
| Total risk-based capital ratio | 17.4084% | 2,983 |
| Memoranda: | ||
| Average total assets | $220,822,200 | 2,803 |
| Average earning assets | $181,019,600 | 3,054 |
| Average equity | $31,192,400 | 2,180 |
| Average total loans | $119,577,800 | 3,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 3,360 |
| Cost of funding earning assets | 0.5722% | 3,071 |
| Net interest margin | 3.6360% | 3,296 |
| Noninterest income to average assets | 0.3245% | 5,085 |
| Noninterest expense to average assets | 3.6227% | 1,358 |
| Loan and lease loss provision to assets | 0.3118% | 1,083 |
| Net operating income to assets | -0.3885% | 6,563 |
| Return on assets (ROA) | -0.3740% | 6,567 |
| Pretax return on assets | -0.5546% | 6,619 |
| Return on Equity (ROE) | -2.4332% | 6,500 |
| Retained earnings to average equity (ytd only) | -2.4332% | 6,304 |
| Net charge-offs to loans | 0.0041% | 5,116 |
| Credit loss provision to net charge-offs | 13,866.6667% | 16 |
| Earnings coverage of net charge-offs (x) | -117.6625% | 5,202 |
| Efficiency ratio | 106.5834% | 322 |
| Assets per employee ($millions) | 3.1497% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,847 |
| Loan loss allowance to noncurrent loans | 929.4118% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 6,225 |
| Noncurrent loans to loans | 0.1294% | 5,928 |
| Net loans and leases to total assets | 53.7437% | 4,651 |
| Net loans and leases to deposits | 63.5454% | 4,564 |
| Net loans and leases to core deposits | 69.9613% | 4,327 |
| Total domestic deposits to total assets | 84.5752% | 3,942 |
| Equity capital to assets | 15.2444% | 673 |
| Core capital (leverage) ratio | 15.2367% | 605 |
| Tier 1 risk-based capital ratio | 21.2148% | 1,454 |
| Total risk-based capital ratio | 22.2056% | 1,478 |
| Memoranda: | ||
| Average total assets | $177,909,250 | 3,326 |
| Average earning assets | $148,436,500 | 3,566 |
| Average equity | $27,343,000 | 2,450 |
| Average total loans | $98,328,750 | 3,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 3,225 |
| Cost of funding earning assets | 0.5983% | 2,960 |
| Net interest margin | 3.6352% | 3,225 |
| Noninterest income to average assets | 0.3338% | 5,025 |
| Noninterest expense to average assets | 3.7810% | 1,123 |
| Loan and lease loss provision to assets | 0.3520% | 941 |
| Net operating income to assets | -0.5164% | 6,639 |
| Return on assets (ROA) | -0.4928% | 6,646 |
| Pretax return on assets | -0.7331% | 6,693 |
| Return on Equity (ROE) | -3.1951% | 6,591 |
| Retained earnings to average equity (ytd only) | -3.1951% | 6,331 |
| Net charge-offs to loans | 0.0044% | 4,821 |
| Credit loss provision to net charge-offs | 14,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | -171.5000% | 4,906 |
| Efficiency ratio | 110.9668% | 265 |
| Assets per employee ($millions) | 3.0073% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 4,832 |
| Loan loss allowance to noncurrent loans | 64,850.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 6,594 |
| Noncurrent loans to loans | 0.0019% | 6,460 |
| Net loans and leases to total assets | 56.7507% | 4,170 |
| Net loans and leases to deposits | 69.3984% | 3,800 |
| Net loans and leases to core deposits | 77.1628% | 3,404 |
| Total domestic deposits to total assets | 81.7752% | 5,125 |
| Equity capital to assets | 18.0640% | 323 |
| Core capital (leverage) ratio | 17.0645% | 365 |
| Tier 1 risk-based capital ratio | 23.5940% | 1,047 |
| Total risk-based capital ratio | 24.6265% | 1,061 |
| Memoranda: | ||
| Average total assets | $164,770,330 | 3,542 |
| Average earning assets | $137,379,670 | 3,768 |
| Average equity | $25,414,000 | 2,638 |
| Average total loans | $91,698,000 | 3,683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,353 |
| Cost of funding earning assets | 0.6387% | 2,753 |
| Net interest margin | 3.5485% | 3,485 |
| Noninterest income to average assets | 0.3500% | 4,879 |
| Noninterest expense to average assets | 3.9143% | 980 |
| Loan and lease loss provision to assets | 0.2625% | 1,353 |
| Net operating income to assets | -0.5842% | 6,706 |
| Return on assets (ROA) | -0.5842% | 6,726 |
| Pretax return on assets | -0.8673% | 6,770 |
| Return on Equity (ROE) | -4.2131% | 6,665 |
| Retained earnings to average equity (ytd only) | -4.2131% | 6,299 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.7963% | 243 |
| Assets per employee ($millions) | 2.7117% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 53.0500% | 4,553 |
| Net loans and leases to deposits | 61.0429% | 4,679 |
| Net loans and leases to core deposits | 68.6096% | 4,230 |
| Total domestic deposits to total assets | 86.9060% | 3,016 |
| Equity capital to assets | 12.9598% | 1,450 |
| Core capital (leverage) ratio | 11.7899% | 1,683 |
| Tier 1 risk-based capital ratio | 16.7329% | 2,891 |
| Total risk-based capital ratio | 17.7847% | 2,940 |
| Memoranda: | ||
| Average total assets | $155,431,500 | 3,719 |
| Average earning assets | $129,632,000 | 3,948 |
| Average equity | $21,552,000 | 3,076 |
| Average total loans | $84,844,500 | 3,873 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 616 |
| Cost of funding earning assets | 0.6004% | 4,351 |
| Net interest margin | 4.9035% | 445 |
| Noninterest income to average assets | 0.4369% | 4,345 |
| Noninterest expense to average assets | 4.0924% | 866 |
| Loan and lease loss provision to assets | 0.3844% | 1,698 |
| Net operating income to assets | -0.2977% | 6,439 |
| Return on assets (ROA) | -0.2977% | 6,492 |
| Pretax return on assets | -0.4415% | 6,546 |
| Return on Equity (ROE) | -1.4807% | 6,422 |
| Retained earnings to average equity (ytd only) | -1.4807% | 6,089 |
| Net charge-offs to loans | 0.0169% | 5,672 |
| Credit loss provision to net charge-offs | 3,790.9091% | 63 |
| Earnings coverage of net charge-offs (x) | -5.6364% | 5,912 |
| Efficiency ratio | 99.6345% | 575 |
| Assets per employee ($millions) | 2.5973% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 4,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.8762% | 4,473 |
| Net loans and leases to deposits | 64.5500% | 4,471 |
| Net loans and leases to core deposits | 71.2877% | 4,135 |
| Total domestic deposits to total assets | 85.0135% | 3,857 |
| Equity capital to assets | 14.8964% | 768 |
| Core capital (leverage) ratio | 15.3958% | 521 |
| Tier 1 risk-based capital ratio | 20.8078% | 1,500 |
| Total risk-based capital ratio | 21.9755% | 1,492 |
| Memoranda: | ||
| Average total assets | $108,494,400 | 4,625 |
| Average earning assets | $79,617,000 | 5,136 |
| Average equity | $21,814,200 | 2,998 |
| Average total loans | $64,965,600 | 4,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9424% | 307 |
| Cost of funding earning assets | 0.6454% | 4,235 |
| Net interest margin | 5.2970% | 243 |
| Noninterest income to average assets | 0.4782% | 4,074 |
| Noninterest expense to average assets | 4.1119% | 813 |
| Loan and lease loss provision to assets | 0.4500% | 1,394 |
| Net operating income to assets | -0.2431% | 6,523 |
| Return on assets (ROA) | -0.2431% | 6,594 |
| Pretax return on assets | -0.3681% | 6,641 |
| Return on Equity (ROE) | -1.1044% | 6,512 |
| Retained earnings to average equity (ytd only) | -1.1044% | 6,289 |
| Net charge-offs to loans | 0.0240% | 5,331 |
| Credit loss provision to net charge-offs | 3,045.4545% | 90 |
| Earnings coverage of net charge-offs (x) | 5.5440% | 2,996 |
| Efficiency ratio | 96.1883% | 670 |
| Assets per employee ($millions) | 2.6502% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 65.7575% | 2,699 |
| Net loans and leases to deposits | 82.1251% | 2,101 |
| Net loans and leases to core deposits | 89.6985% | 2,021 |
| Total domestic deposits to total assets | 80.0699% | 5,635 |
| Equity capital to assets | 19.5779% | 258 |
| Core capital (leverage) ratio | 18.5452% | 270 |
| Tier 1 risk-based capital ratio | 24.4670% | 959 |
| Total risk-based capital ratio | 25.6772% | 953 |
| Memoranda: | ||
| Average total assets | $99,255,250 | 4,897 |
| Average earning assets | $69,622,500 | 5,502 |
| Average equity | $21,851,000 | 3,015 |
| Average total loans | $61,000,250 | 4,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7281% | 460 |
| Cost of funding earning assets | 0.6558% | 4,394 |
| Net interest margin | 5.0723% | 359 |
| Noninterest income to average assets | 0.5040% | 3,897 |
| Noninterest expense to average assets | 4.1118% | 822 |
| Loan and lease loss provision to assets | 0.4851% | 1,306 |
| Net operating income to assets | -0.3213% | 6,632 |
| Return on assets (ROA) | -0.3213% | 6,689 |
| Pretax return on assets | -0.4872% | 6,742 |
| Return on Equity (ROE) | -1.3991% | 6,573 |
| Retained earnings to average equity (ytd only) | -1.3991% | 6,271 |
| Net charge-offs to loans | 0.0071% | 5,383 |
| Credit loss provision to net charge-offs | 11,550.0000% | 22 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 5,237 |
| Efficiency ratio | 98.0583% | 620 |
| Assets per employee ($millions) | 2.9091% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.8805% | 2,857 |
| Net loans and leases to deposits | 83.6095% | 1,907 |
| Net loans and leases to core deposits | 93.4594% | 1,655 |
| Total domestic deposits to total assets | 77.5994% | 6,230 |
| Equity capital to assets | 22.0488% | 158 |
| Core capital (leverage) ratio | 19.9932% | 206 |
| Tier 1 risk-based capital ratio | 26.8300% | 739 |
| Total risk-based capital ratio | 28.0214% | 731 |
| Memoranda: | ||
| Average total assets | $95,237,330 | 5,029 |
| Average earning assets | $67,701,670 | 5,598 |
| Average equity | $21,870,670 | 2,996 |
| Average total loans | $56,626,670 | 4,926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 736 |
| Cost of funding earning assets | 0.6693% | 4,543 |
| Net interest margin | 4.8447% | 516 |
| Noninterest income to average assets | 0.4925% | 3,961 |
| Noninterest expense to average assets | 4.0770% | 856 |
| Loan and lease loss provision to assets | 0.4197% | 1,503 |
| Net operating income to assets | -0.4111% | 6,779 |
| Return on assets (ROA) | -0.4111% | 6,813 |
| Pretax return on assets | -0.6253% | 6,874 |
| Return on Equity (ROE) | -1.7533% | 6,670 |
| Retained earnings to average equity (ytd only) | -1.7533% | 6,249 |
| Net charge-offs to loans | 0.0153% | 4,473 |
| Credit loss provision to net charge-offs | 4,900.0000% | 51 |
| Earnings coverage of net charge-offs (x) | -24.0000% | 4,710 |
| Efficiency ratio | 103.0973% | 471 |
| Assets per employee ($millions) | 2.8189% | 6,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 5,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.6969% | 4,085 |
| Net loans and leases to deposits | 75.0672% | 2,961 |
| Net loans and leases to core deposits | 83.9861% | 2,548 |
| Total domestic deposits to total assets | 76.8603% | 6,419 |
| Equity capital to assets | 22.8058% | 130 |
| Core capital (leverage) ratio | 21.1905% | 155 |
| Tier 1 risk-based capital ratio | 30.0634% | 518 |
| Total risk-based capital ratio | 31.1831% | 516 |
| Memoranda: | ||
| Average total assets | $93,402,000 | 5,113 |
| Average earning assets | $65,144,000 | 5,715 |
| Average equity | $21,902,000 | 2,985 |
| Average total loans | $52,438,000 | 5,127 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 6,745 |
| Cost of funding earning assets | 0.6634% | 5,751 |
| Net interest margin | 3.1225% | 6,288 |
| Noninterest income to average assets | 0.6050% | 3,139 |
| Noninterest expense to average assets | 3.8840% | 1,203 |
| Loan and lease loss provision to assets | 0.6186% | 1,663 |
| Net operating income to assets | -1.1025% | 6,790 |
| Return on assets (ROA) | -1.1025% | 6,812 |
| Pretax return on assets | -1.6708% | 6,934 |
| Return on Equity (ROE) | -3.6609% | 6,448 |
| Retained earnings to average equity (ytd only) | -3.6609% | 6,337 |
| Net charge-offs to loans | 0.0220% | 6,136 |
| Credit loss provision to net charge-offs | 6,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | -110.5714% | 6,434 |
| Efficiency ratio | 133.4133% | 214 |
| Assets per employee ($millions) | 2.8425% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.0728% | 5,160 |
| Net loans and leases to deposits | 70.2488% | 4,055 |
| Net loans and leases to core deposits | 79.7183% | 3,481 |
| Total domestic deposits to total assets | 75.5497% | 6,539 |
| Equity capital to assets | 24.1271% | 114 |
| Core capital (leverage) ratio | 22.4018% | 133 |
| Tier 1 risk-based capital ratio | 33.9650% | 365 |
| Total risk-based capital ratio | 35.0523% | 363 |
| Memoranda: | ||
| Average total assets | $73,558,200 | 5,658 |
| Average earning assets | $52,457,400 | 6,110 |
| Average equity | $22,153,000 | 2,876 |
| Average total loans | $31,874,600 | 6,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 7,121 |
| Cost of funding earning assets | 0.6482% | 6,044 |
| Net interest margin | 2.7834% | 6,903 |
| Noninterest income to average assets | 0.6088% | 3,112 |
| Noninterest expense to average assets | 3.8530% | 1,226 |
| Loan and lease loss provision to assets | 0.6126% | 1,608 |
| Net operating income to assets | -1.2465% | 6,974 |
| Return on assets (ROA) | -1.2465% | 6,993 |
| Pretax return on assets | -1.8880% | 7,101 |
| Return on Equity (ROE) | -3.8850% | 6,623 |
| Retained earnings to average equity (ytd only) | -3.8850% | 6,505 |
| Net charge-offs to loans | 0.0338% | 5,677 |
| Credit loss provision to net charge-offs | 4,542.8571% | 66 |
| Earnings coverage of net charge-offs (x) | -94.6024% | 6,177 |
| Efficiency ratio | 145.1420% | 160 |
| Assets per employee ($millions) | 3.1119% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 5,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.2544% | 6,216 |
| Net loans and leases to deposits | 60.9290% | 5,528 |
| Net loans and leases to core deposits | 69.7233% | 4,987 |
| Total domestic deposits to total assets | 74.2741% | 6,728 |
| Equity capital to assets | 25.3552% | 116 |
| Core capital (leverage) ratio | 26.2114% | 103 |
| Tier 1 risk-based capital ratio | 39.6616% | 260 |
| Total risk-based capital ratio | 40.6362% | 259 |
| Memoranda: | ||
| Average total assets | $69,207,750 | 5,805 |
| Average earning assets | $48,955,250 | 6,287 |
| Average equity | $22,204,750 | 2,867 |
| Average total loans | $27,623,750 | 6,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 7,255 |
| Cost of funding earning assets | 0.6130% | 6,394 |
| Net interest margin | 2.6755% | 7,053 |
| Noninterest income to average assets | 0.6231% | 2,987 |
| Noninterest expense to average assets | 4.0043% | 1,044 |
| Loan and lease loss provision to assets | 0.4808% | 2,054 |
| Net operating income to assets | -1.2747% | 7,026 |
| Return on assets (ROA) | -1.2747% | 7,036 |
| Pretax return on assets | -1.9294% | 7,152 |
| Return on Equity (ROE) | -3.6238% | 6,633 |
| Retained earnings to average equity (ytd only) | -3.6238% | 6,435 |
| Net charge-offs to loans | 0.0510% | 5,143 |
| Credit loss provision to net charge-offs | 2,533.3333% | 126 |
| Earnings coverage of net charge-offs (x) | -76.3333% | 5,861 |
| Efficiency ratio | 151.8564% | 144 |
| Assets per employee ($millions) | 2.6224% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.6449% | 6,771 |
| Net loans and leases to deposits | 58.2289% | 5,912 |
| Net loans and leases to core deposits | 66.9345% | 5,396 |
| Total domestic deposits to total assets | 68.0846% | 7,189 |
| Equity capital to assets | 31.5242% | 75 |
| Core capital (leverage) ratio | 30.3102% | 78 |
| Tier 1 risk-based capital ratio | 53.0315% | 137 |
| Total risk-based capital ratio | 53.8640% | 137 |
| Memoranda: | ||
| Average total assets | $63,232,330 | 6,040 |
| Average earning assets | $45,673,330 | 6,449 |
| Average equity | $22,242,000 | 2,849 |
| Average total loans | $23,532,330 | 6,615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 7,389 |
| Cost of funding earning assets | 0.5565% | 6,778 |
| Net interest margin | 2.4723% | 7,216 |
| Noninterest income to average assets | 0.5652% | 3,404 |
| Noninterest expense to average assets | 3.8422% | 1,266 |
| Loan and lease loss provision to assets | 0.5249% | 1,653 |
| Net operating income to assets | -1.3054% | 7,136 |
| Return on assets (ROA) | -1.3054% | 7,141 |
| Pretax return on assets | -1.9783% | 7,248 |
| Return on Equity (ROE) | -3.4951% | 6,709 |
| Retained earnings to average equity (ytd only) | -3.4951% | 6,365 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.4930% | 140 |
| Assets per employee ($millions) | 2.7670% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,479 |
| Loan loss allowance to noncurrent loans | 832.1429% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 7,054 |
| Noncurrent loans to loans | 0.1173% | 6,754 |
| Net loans and leases to total assets | 37.1380% | 6,954 |
| Net loans and leases to deposits | 57.8580% | 5,940 |
| Net loans and leases to core deposits | 61.6458% | 5,958 |
| Total domestic deposits to total assets | 64.1882% | 7,366 |
| Equity capital to assets | 35.3750% | 61 |
| Core capital (leverage) ratio | 39.4237% | 52 |
| Tier 1 risk-based capital ratio | 62.1858% | 96 |
| Total risk-based capital ratio | 62.9347% | 95 |
| Memoranda: | ||
| Average total assets | $59,445,500 | 6,203 |
| Average earning assets | $43,845,500 | 6,566 |
| Average equity | $22,202,500 | 2,845 |
| Average total loans | $21,112,500 | 6,790 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9350% | 7,565 |
| Cost of funding earning assets | 0.3900% | 7,433 |
| Net interest margin | 1.5450% | 7,544 |
| Noninterest income to average assets | 0.6533% | 3,126 |
| Noninterest expense to average assets | 4.2859% | 825 |
| Loan and lease loss provision to assets | 0.4541% | 3,401 |
| Net operating income to assets | -1.8983% | 7,032 |
| Return on assets (ROA) | -1.8983% | 7,043 |
| Pretax return on assets | -2.8680% | 7,267 |
| Return on Equity (ROE) | -4.7503% | 6,414 |
| Retained earnings to average equity (ytd only) | -4.7503% | 6,276 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.8138% | 72 |
| Assets per employee ($millions) | 2.5114% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 5,579 |
| Loan loss allowance to noncurrent loans | 807.4074% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,113 |
| Noncurrent loans to loans | 0.1471% | 6,779 |
| Net loans and leases to total assets | 32.8308% | 7,264 |
| Net loans and leases to deposits | 54.7758% | 6,544 |
| Net loans and leases to core deposits | 57.3856% | 6,609 |
| Total domestic deposits to total assets | 59.9367% | 7,509 |
| Equity capital to assets | 39.6235% | 55 |
| Core capital (leverage) ratio | 38.1330% | 60 |
| Tier 1 risk-based capital ratio | 74.9910% | 69 |
| Total risk-based capital ratio | 75.8650% | 69 |
| Memoranda: | ||
| Average total assets | $34,135,200 | 7,072 |
| Average earning assets | $26,925,200 | 7,198 |
| Average equity | $13,641,200 | 4,228 |
| Average total loans | $13,344,400 | 7,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5024% | 7,708 |
| Cost of funding earning assets | 0.3145% | 7,631 |
| Net interest margin | 1.1879% | 7,693 |
| Noninterest income to average assets | 0.6053% | 3,409 |
| Noninterest expense to average assets | 3.5947% | 1,808 |
| Loan and lease loss provision to assets | 0.3234% | 4,002 |
| Net operating income to assets | -1.5756% | 7,126 |
| Return on assets (ROA) | -1.5756% | 7,135 |
| Pretax return on assets | -2.3703% | 7,288 |
| Return on Equity (ROE) | -3.9268% | 6,565 |
| Retained earnings to average equity (ytd only) | -3.9268% | 6,455 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.6866% | 60 |
| Assets per employee ($millions) | 2.1103% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 27.0754% | 7,528 |
| Net loans and leases to deposits | 54.8476% | 6,702 |
| Net loans and leases to core deposits | 56.4075% | 6,834 |
| Total domestic deposits to total assets | 49.3648% | 7,665 |
| Equity capital to assets | 50.0914% | 51 |
| Core capital (leverage) ratio | 53.7438% | 43 |
| Tier 1 risk-based capital ratio | 99.7165% | 56 |
| Total risk-based capital ratio | 100.4148% | 57 |
| Memoranda: | ||
| Average total assets | $28,856,500 | 7,337 |
| Average earning assets | $22,896,500 | 7,422 |
| Average equity | $11,578,500 | 4,788 |
| Average total loans | $12,091,250 | 7,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9992% | 7,798 |
| Cost of funding earning assets | 0.2082% | 7,744 |
| Net interest margin | 0.7910% | 7,790 |
| Noninterest income to average assets | 0.4303% | 4,676 |
| Noninterest expense to average assets | 2.1769% | 6,705 |
| Loan and lease loss provision to assets | 0.2531% | 4,396 |
| Net operating income to assets | -1.3585% | 7,100 |
| Return on assets (ROA) | -1.3585% | 7,113 |
| Pretax return on assets | -1.3585% | 7,035 |
| Return on Equity (ROE) | -4.0058% | 6,619 |
| Retained earnings to average equity (ytd only) | -4.0058% | 6,439 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.9134% | 110 |
| Assets per employee ($millions) | 2.0699% | 7,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 26.1531% | 7,610 |
| Net loans and leases to deposits | 60.9995% | 6,310 |
| Net loans and leases to core deposits | 64.6869% | 6,346 |
| Total domestic deposits to total assets | 42.8742% | 7,749 |
| Equity capital to assets | 56.4495% | 47 |
| Core capital (leverage) ratio | 65.7576% | 37 |
| Tier 1 risk-based capital ratio | 115.0782% | 47 |
| Total risk-based capital ratio | 115.7214% | 47 |
| Memoranda: | ||
| Average total assets | $23,703,000 | 7,539 |
| Average earning assets | $19,215,670 | 7,581 |
| Average equity | $8,038,330 | 5,787 |
| Average total loans | $12,077,670 | 7,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 2,100 |
| Cost of funding earning assets | 1.1168% | 5,820 |
| Net interest margin | 4.4950% | 1,157 |
| Noninterest income to average assets | 1.5590% | 505 |
| Noninterest expense to average assets | 4.3430% | 684 |
| Loan and lease loss provision to assets | -0.2004% | 7,880 |
| Net operating income to assets | 1.0022% | 2,176 |
| Return on assets (ROA) | 1.0022% | 2,241 |
| Pretax return on assets | 1.0022% | 3,088 |
| Return on Equity (ROE) | 8.4686% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.4686% | 1,545 |
| Net charge-offs to loans | 0.0297% | 5,154 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 761 |
| Efficiency ratio | 84.4156% | 1,983 |
| Assets per employee ($millions) | 1.9204% | 7,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 7,159 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.0993% | 1,523 |
| Net loans and leases to deposits | 87.1637% | 2,382 |
| Net loans and leases to core deposits | 94.0709% | 2,834 |
| Total domestic deposits to total assets | 87.3062% | 2,462 |
| Equity capital to assets | 12.4277% | 1,792 |
| Core capital (leverage) ratio | 8.6663% | 5,082 |
| Tier 1 risk-based capital ratio | 11.0846% | 6,082 |
| Total risk-based capital ratio | 11.8718% | 6,509 |
| Memoranda: | ||
| Average total assets | $17,960,000 | 7,772 |
| Average earning assets | $14,327,000 | 7,797 |
| Average equity | $2,125,500 | 7,723 |
| Average total loans | $13,468,500 | 7,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4243% | 4,571 |
| Cost of funding earning assets | 1.3529% | 6,131 |
| Net interest margin | 4.0714% | 2,564 |
| Noninterest income to average assets | 1.7415% | 481 |
| Noninterest expense to average assets | 4.1152% | 1,207 |
| Loan and lease loss provision to assets | 0.0429% | 7,125 |
| Net operating income to assets | 1.0020% | 1,834 |
| Return on assets (ROA) | 1.0020% | 1,878 |
| Pretax return on assets | 1.0020% | 2,584 |
| Return on Equity (ROE) | 9.1460% | 1,979 |
| Retained earnings to average equity (ytd only) | 7.6788% | 782 |
| Net charge-offs to loans | 0.0152% | 7,007 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 97.5000% | 283 |
| Efficiency ratio | 79.7508% | 2,925 |
| Assets per employee ($millions) | 2.0707% | 7,688 |
| Cash dividends to net income (ytd only)* | 16.0428% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 7,191 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.7087% | 2,580 |
| Net loans and leases to deposits | 90.4781% | 2,145 |
| Net loans and leases to core deposits | 132.2209% | 1,156 |
| Total domestic deposits to total assets | 80.3606% | 5,562 |
| Equity capital to assets | 11.2846% | 2,472 |
| Core capital (leverage) ratio | 8.4702% | 5,324 |
| Tier 1 risk-based capital ratio | 10.2971% | 6,590 |
| Total risk-based capital ratio | 11.1171% | 6,951 |
| Memoranda: | ||
| Average total assets | $18,662,600 | 7,818 |
| Average earning assets | $15,670,200 | 7,829 |
| Average equity | $2,044,600 | 7,835 |
| Average total loans | $13,170,400 | 7,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4260% | 4,818 |
| Cost of funding earning assets | 1.3880% | 6,282 |
| Net interest margin | 4.0379% | 2,646 |
| Noninterest income to average assets | 1.7568% | 472 |
| Noninterest expense to average assets | 3.9422% | 1,366 |
| Loan and lease loss provision to assets | 0.0285% | 7,062 |
| Net operating income to assets | 1.2141% | 1,430 |
| Return on assets (ROA) | 1.2141% | 1,490 |
| Pretax return on assets | 1.2141% | 2,219 |
| Return on Equity (ROE) | 11.1655% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.1655% | 451 |
| Net charge-offs to loans | 0.0102% | 6,795 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 174.4286% | 218 |
| Efficiency ratio | 76.0331% | 3,507 |
| Assets per employee ($millions) | 2.0239% | 7,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 6,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,244 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.0999% | 3,017 |
| Net loans and leases to deposits | 90.4041% | 2,502 |
| Net loans and leases to core deposits | 130.8198% | 1,383 |
| Total domestic deposits to total assets | 79.7530% | 5,542 |
| Equity capital to assets | 11.6168% | 2,494 |
| Core capital (leverage) ratio | 8.5638% | 5,365 |
| Tier 1 risk-based capital ratio | 10.6500% | 6,299 |
| Total risk-based capital ratio | 11.4703% | 6,698 |
| Memoranda: | ||
| Average total assets | $18,669,250 | 7,894 |
| Average earning assets | $15,849,250 | 7,901 |
| Average equity | $2,030,000 | 7,914 |
| Average total loans | $13,045,000 | 7,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 5,502 |
| Cost of funding earning assets | 1.4422% | 6,345 |
| Net interest margin | 3.8876% | 3,168 |
| Noninterest income to average assets | 1.7215% | 494 |
| Noninterest expense to average assets | 3.8787% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1370% | 1,642 |
| Return on assets (ROA) | 1.1370% | 1,725 |
| Pretax return on assets | 1.1370% | 2,510 |
| Return on Equity (ROE) | 10.6929% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.6929% | 613 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3305% | 3,449 |
| Assets per employee ($millions) | 2.1349% | 7,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,278 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.7839% | 4,186 |
| Net loans and leases to deposits | 83.5300% | 3,964 |
| Net loans and leases to core deposits | 120.5145% | 2,319 |
| Total domestic deposits to total assets | 81.1492% | 5,023 |
| Equity capital to assets | 10.6849% | 3,217 |
| Core capital (leverage) ratio | 8.0697% | 6,215 |
| Tier 1 risk-based capital ratio | 10.0550% | 6,865 |
| Total risk-based capital ratio | 10.8420% | 7,271 |
| Memoranda: | ||
| Average total assets | $18,820,670 | 7,965 |
| Average earning assets | $15,948,330 | 7,975 |
| Average equity | $2,001,330 | 8,003 |
| Average total loans | $12,976,000 | 7,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 5,042 |
| Cost of funding earning assets | 1.4703% | 6,499 |
| Net interest margin | 4.0052% | 2,619 |
| Noninterest income to average assets | 1.6967% | 470 |
| Noninterest expense to average assets | 3.8230% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2672% | 1,461 |
| Return on assets (ROA) | 1.2672% | 1,560 |
| Pretax return on assets | 1.2672% | 2,387 |
| Return on Equity (ROE) | 11.9463% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.9463% | 794 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1055% | 3,641 |
| Assets per employee ($millions) | 2.0661% | 7,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 7,235 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.0990% | 4,114 |
| Net loans and leases to deposits | 84.2123% | 3,950 |
| Net loans and leases to core deposits | 115.0973% | 2,903 |
| Total domestic deposits to total assets | 80.8658% | 5,020 |
| Equity capital to assets | 10.7825% | 3,201 |
| Core capital (leverage) ratio | 7.8412% | 6,704 |
| Tier 1 risk-based capital ratio | 10.0660% | 6,840 |
| Total risk-based capital ratio | 10.8802% | 7,245 |
| Memoranda: | ||
| Average total assets | $18,624,000 | 8,018 |
| Average earning assets | $15,779,500 | 8,030 |
| Average equity | $1,975,500 | 8,059 |
| Average total loans | $12,894,000 | 7,753 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2259% | 4,383 |
| Cost of funding earning assets | 2.2682% | 5,297 |
| Net interest margin | 3.9576% | 3,325 |
| Noninterest income to average assets | 1.6409% | 513 |
| Noninterest expense to average assets | 4.1697% | 1,180 |
| Loan and lease loss provision to assets | 0.0674% | 6,549 |
| Net operating income to assets | 0.7081% | 3,857 |
| Return on assets (ROA) | 0.7081% | 3,690 |
| Pretax return on assets | 0.7081% | 4,370 |
| Return on Equity (ROE) | 6.4477% | 3,778 |
| Retained earnings to average equity (ytd only) | -10.1832% | 7,084 |
| Net charge-offs to loans | 0.0408% | 6,211 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,237 |
| Efficiency ratio | 84.3182% | 2,019 |
| Assets per employee ($millions) | 2.0726% | 7,848 |
| Cash dividends to net income (ytd only)* | 257.9365% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 5,085 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.1202% | 4,224 |
| Net loans and leases to deposits | 85.1923% | 4,228 |
| Net loans and leases to core deposits | 116.1113% | 3,108 |
| Total domestic deposits to total assets | 81.1344% | 4,582 |
| Equity capital to assets | 10.4326% | 3,578 |
| Core capital (leverage) ratio | 7.8437% | 6,732 |
| Tier 1 risk-based capital ratio | 9.4127% | 7,401 |
| Total risk-based capital ratio | 10.2067% | 7,820 |
| Memoranda: | ||
| Average total assets | $17,795,000 | 8,079 |
| Average earning assets | $14,857,400 | 8,110 |
| Average equity | $1,954,200 | 8,127 |
| Average total loans | $12,261,000 | 7,819 |