Home > The Piedmont Bank > Performance and Condition Ratios
The Piedmont Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2013% | 489 |
| Cost of funding earning assets | 1.7591% | 1,327 |
| Net interest margin | 4.4422% | 668 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.2679% | 2,933 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.6501% | 796 |
| Return on assets (ROA) | 1.5161% | 953 |
| Pretax return on assets | 1.9891% | 689 |
| Return on Equity (ROE) | 14.5100% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.5438% | 1,123 |
| Net charge-offs to loans | 0.0093% | 2,307 |
| Credit loss provision to net charge-offs | 1,454.2254% | 303 |
| Earnings coverage of net charge-offs (x) | 305.8873% | 428 |
| Efficiency ratio | 49.5749% | 4,011 |
| Assets per employee ($millions) | 10.0617% | 694 |
| Cash dividends to net income (ytd only)* | 34.2103% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.5300% | 693 |
| Net loans and leases to deposits | 91.3019% | 1,156 |
| Net loans and leases to core deposits | 115.7363% | 753 |
| Total domestic deposits to total assets | 87.1000% | 1,646 |
| Equity capital to assets | 10.3774% | 1,795 |
| Core capital (leverage) ratio | 10.5559% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4304% | 2,439 |
| Memoranda: | ||
| Average total assets | $1,927,982,200 | 592 |
| Average earning assets | $1,782,547,000 | 580 |
| Average equity | $201,501,800 | 534 |
| Average total loans | $1,530,006,400 | 508 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1354% | 449 |
| Cost of funding earning assets | 1.5681% | 1,441 |
| Net interest margin | 4.5673% | 561 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.2745% | 2,876 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.6161% | 914 |
| Return on assets (ROA) | 1.6161% | 902 |
| Pretax return on assets | 2.1167% | 635 |
| Return on Equity (ROE) | 15.4300% | 1,366 |
| Retained earnings to average equity (ytd only) | 9.7273% | 1,483 |
| Net charge-offs to loans | 0.0006% | 2,635 |
| Credit loss provision to net charge-offs | 14,742.8571% | 27 |
| Earnings coverage of net charge-offs (x) | 4,492.1429% | 14 |
| Efficiency ratio | 50.3809% | 3,885 |
| Assets per employee ($millions) | 9.3020% | 832 |
| Cash dividends to net income (ytd only)* | 36.9710% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.4300% | 715 |
| Net loans and leases to deposits | 89.8309% | 1,250 |
| Net loans and leases to core deposits | 113.9782% | 729 |
| Total domestic deposits to total assets | 88.4200% | 1,438 |
| Equity capital to assets | 10.4971% | 1,558 |
| Core capital (leverage) ratio | 10.5022% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7961% | 2,346 |
| Memoranda: | ||
| Average total assets | $1,896,829,500 | 603 |
| Average earning assets | $1,754,374,750 | 589 |
| Average equity | $198,626,000 | 537 |
| Average total loans | $1,500,444,500 | 516 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0000% | 441 |
| Cost of funding earning assets | 1.3157% | 1,665 |
| Net interest margin | 4.6843% | 468 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2885% | 2,847 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.6850% | 808 |
| Return on assets (ROA) | 1.6850% | 811 |
| Pretax return on assets | 2.2069% | 525 |
| Return on Equity (ROE) | 16.1000% | 1,248 |
| Retained earnings to average equity (ytd only) | 14.5852% | 612 |
| Net charge-offs to loans | -0.0013% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.5050% | 3,966 |
| Assets per employee ($millions) | 9.3414% | 818 |
| Cash dividends to net income (ytd only)* | 9.4340% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,524 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.2800% | 804 |
| Net loans and leases to deposits | 89.7503% | 1,205 |
| Net loans and leases to core deposits | 110.4272% | 809 |
| Total domestic deposits to total assets | 87.2200% | 1,862 |
| Equity capital to assets | 10.7632% | 1,478 |
| Core capital (leverage) ratio | 10.6956% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1655% | 2,228 |
| Memoranda: | ||
| Average total assets | $1,887,268,667 | 593 |
| Average earning assets | $1,747,079,333 | 584 |
| Average equity | $197,460,667 | 532 |
| Average total loans | $1,485,788,667 | 506 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8634% | 384 |
| Cost of funding earning assets | 1.0072% | 2,022 |
| Net interest margin | 4.8562% | 344 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3085% | 2,789 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.7326% | 772 |
| Return on assets (ROA) | 1.7326% | 765 |
| Pretax return on assets | 2.2705% | 515 |
| Return on Equity (ROE) | 16.8000% | 1,210 |
| Retained earnings to average equity (ytd only) | 16.8024% | 612 |
| Net charge-offs to loans | -0.0022% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.8263% | 4,040 |
| Assets per employee ($millions) | 9.8593% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,668 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.9200% | 655 |
| Net loans and leases to deposits | 90.3044% | 1,023 |
| Net loans and leases to core deposits | 104.4232% | 901 |
| Total domestic deposits to total assets | 87.4000% | 2,133 |
| Equity capital to assets | 10.4812% | 1,570 |
| Core capital (leverage) ratio | 10.6150% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9691% | 2,401 |
| Memoranda: | ||
| Average total assets | $1,882,752,000 | 608 |
| Average earning assets | $1,749,839,000 | 596 |
| Average equity | $194,139,500 | 549 |
| Average total loans | $1,479,205,500 | 522 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 668 |
| Cost of funding earning assets | 0.3609% | 2,392 |
| Net interest margin | 4.1871% | 553 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.0595% | 3,417 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.4977% | 884 |
| Return on assets (ROA) | 1.4978% | 852 |
| Pretax return on assets | 1.9568% | 525 |
| Return on Equity (ROE) | 14.9700% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.6311% | 756 |
| Net charge-offs to loans | 0.0035% | 2,339 |
| Credit loss provision to net charge-offs | 6,255.5556% | 107 |
| Earnings coverage of net charge-offs (x) | 853.3778% | 217 |
| Efficiency ratio | 49.3778% | 4,163 |
| Assets per employee ($millions) | 9.8038% | 720 |
| Cash dividends to net income (ytd only)* | 22.3221% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,558 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 76.6900% | 939 |
| Net loans and leases to deposits | 86.6073% | 1,268 |
| Net loans and leases to core deposits | 92.7117% | 1,355 |
| Total domestic deposits to total assets | 88.5400% | 1,867 |
| Equity capital to assets | 10.1399% | 1,639 |
| Core capital (leverage) ratio | 10.2379% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6634% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,818,792,600 | 602 |
| Average earning assets | $1,708,377,200 | 586 |
| Average equity | $181,935,400 | 571 |
| Average total loans | $1,302,335,400 | 540 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 838 |
| Cost of funding earning assets | 0.2726% | 2,461 |
| Net interest margin | 3.9568% | 700 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.0340% | 3,392 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.3685% | 1,178 |
| Return on assets (ROA) | 1.3686% | 1,144 |
| Pretax return on assets | 1.7870% | 753 |
| Return on Equity (ROE) | 13.7300% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.4865% | 922 |
| Net charge-offs to loans | 0.0047% | 2,009 |
| Credit loss provision to net charge-offs | 5,033.3333% | 111 |
| Earnings coverage of net charge-offs (x) | 587.9778% | 266 |
| Efficiency ratio | 51.0019% | 4,092 |
| Assets per employee ($millions) | 9.8127% | 694 |
| Cash dividends to net income (ytd only)* | 16.3447% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,604 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.7600% | 1,035 |
| Net loans and leases to deposits | 84.0872% | 1,293 |
| Net loans and leases to core deposits | 88.8406% | 1,368 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 10.0029% | 1,623 |
| Core capital (leverage) ratio | 9.9010% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3937% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,805,358,750 | 607 |
| Average earning assets | $1,699,529,500 | 592 |
| Average equity | $179,951,250 | 583 |
| Average total loans | $1,265,443,000 | 546 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 1,037 |
| Cost of funding earning assets | 0.2257% | 2,574 |
| Net interest margin | 3.7192% | 883 |
| Noninterest income to average assets | 0.3129% | 3,292 |
| Noninterest expense to average assets | 2.0592% | 3,264 |
| Loan and lease loss provision to assets | 0.1484% | 642 |
| Net operating income to assets | 1.2289% | 1,332 |
| Return on assets (ROA) | 1.2292% | 1,314 |
| Pretax return on assets | 1.6122% | 909 |
| Return on Equity (ROE) | 12.3465% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.0984% | 986 |
| Net charge-offs to loans | -0.0002% | 2,963 |
| Credit loss provision to net charge-offs | -133,500.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9124% | 3,974 |
| Assets per employee ($millions) | 9.6828% | 723 |
| Cash dividends to net income (ytd only)* | 18.2090% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.7005% | 1,137 |
| Net loans and leases to deposits | 80.5362% | 1,345 |
| Net loans and leases to core deposits | 85.5601% | 1,370 |
| Total domestic deposits to total assets | 89.0290% | 2,173 |
| Equity capital to assets | 9.9106% | 1,760 |
| Core capital (leverage) ratio | 9.6944% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8237% | 2,559 |
| Memoranda: | ||
| Average total assets | $1,798,757,333 | 604 |
| Average earning assets | $1,695,934,333 | 591 |
| Average equity | $179,078,667 | 592 |
| Average total loans | $1,227,966,333 | 554 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 1,382 |
| Cost of funding earning assets | 0.2261% | 2,452 |
| Net interest margin | 3.4255% | 1,245 |
| Noninterest income to average assets | 0.3827% | 2,795 |
| Noninterest expense to average assets | 2.0385% | 3,330 |
| Loan and lease loss provision to assets | 0.1511% | 521 |
| Net operating income to assets | 1.0787% | 1,588 |
| Return on assets (ROA) | 1.0792% | 1,584 |
| Pretax return on assets | 1.4308% | 1,175 |
| Return on Equity (ROE) | 10.8155% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.3265% | 2,133 |
| Net charge-offs to loans | -0.0003% | 2,970 |
| Credit loss provision to net charge-offs | -67,900.0000% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3165% | 3,850 |
| Assets per employee ($millions) | 9.7691% | 720 |
| Cash dividends to net income (ytd only)* | 41.5052% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,840 |
| Loan loss allowance to noncurrent loans | 1,257.6882% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,517 |
| Noncurrent loans to loans | 0.0771% | 3,458 |
| Net loans and leases to total assets | 67.0378% | 1,305 |
| Net loans and leases to deposits | 75.3447% | 1,501 |
| Net loans and leases to core deposits | 80.2321% | 1,461 |
| Total domestic deposits to total assets | 88.9748% | 2,095 |
| Equity capital to assets | 9.8486% | 2,004 |
| Core capital (leverage) ratio | 9.4097% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0568% | 2,586 |
| Memoranda: | ||
| Average total assets | $1,797,631,000 | 602 |
| Average earning assets | $1,698,676,500 | 588 |
| Average equity | $179,373,000 | 603 |
| Average total loans | $1,190,024,000 | 568 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 1,485 |
| Cost of funding earning assets | 0.3162% | 2,233 |
| Net interest margin | 3.6360% | 1,375 |
| Noninterest income to average assets | 0.3124% | 3,534 |
| Noninterest expense to average assets | 2.0753% | 3,454 |
| Loan and lease loss provision to assets | 0.0634% | 1,803 |
| Net operating income to assets | 1.1980% | 1,932 |
| Return on assets (ROA) | 1.1980% | 1,983 |
| Pretax return on assets | 1.5918% | 1,451 |
| Return on Equity (ROE) | 11.7059% | 1,915 |
| Retained earnings to average equity (ytd only) | 11.7059% | 580 |
| Net charge-offs to loans | -0.0055% | 3,576 |
| Credit loss provision to net charge-offs | -1,673.0159% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6312% | 3,743 |
| Assets per employee ($millions) | 9.6648% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,888 |
| Loan loss allowance to noncurrent loans | 706.7004% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 3,031 |
| Noncurrent loans to loans | 0.1368% | 3,243 |
| Net loans and leases to total assets | 64.0637% | 1,691 |
| Net loans and leases to deposits | 72.0692% | 1,900 |
| Net loans and leases to core deposits | 77.1474% | 1,830 |
| Total domestic deposits to total assets | 88.8920% | 1,574 |
| Equity capital to assets | 10.1094% | 2,547 |
| Core capital (leverage) ratio | 9.5015% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6653% | 2,380 |
| Memoranda: | ||
| Average total assets | $1,662,308,400 | 630 |
| Average earning assets | $1,562,674,200 | 617 |
| Average equity | $170,127,600 | 631 |
| Average total loans | $1,144,745,800 | 581 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 1,458 |
| Cost of funding earning assets | 0.3433% | 2,179 |
| Net interest margin | 3.6917% | 1,354 |
| Noninterest income to average assets | 0.2954% | 3,680 |
| Noninterest expense to average assets | 2.0553% | 3,502 |
| Loan and lease loss provision to assets | 0.0861% | 1,381 |
| Net operating income to assets | 1.2171% | 2,110 |
| Return on assets (ROA) | 1.2171% | 2,166 |
| Pretax return on assets | 1.6194% | 1,642 |
| Return on Equity (ROE) | 11.8529% | 2,098 |
| Retained earnings to average equity (ytd only) | 11.8529% | 864 |
| Net charge-offs to loans | -0.0018% | 3,193 |
| Credit loss provision to net charge-offs | -7,026.6667% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6486% | 3,709 |
| Assets per employee ($millions) | 9.6421% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,901 |
| Loan loss allowance to noncurrent loans | 579.7917% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,596 |
| Noncurrent loans to loans | 0.1698% | 3,269 |
| Net loans and leases to total assets | 66.3584% | 1,502 |
| Net loans and leases to deposits | 74.9917% | 1,765 |
| Net loans and leases to core deposits | 81.2370% | 1,635 |
| Total domestic deposits to total assets | 88.4876% | 1,568 |
| Equity capital to assets | 10.4515% | 2,491 |
| Core capital (leverage) ratio | 9.5047% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7696% | 2,443 |
| Memoranda: | ||
| Average total assets | $1,630,889,000 | 645 |
| Average earning assets | $1,530,945,500 | 633 |
| Average equity | $167,470,750 | 650 |
| Average total loans | $1,141,774,750 | 594 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 1,393 |
| Cost of funding earning assets | 0.3663% | 2,172 |
| Net interest margin | 3.7108% | 1,323 |
| Noninterest income to average assets | 0.2983% | 3,644 |
| Noninterest expense to average assets | 2.0849% | 3,433 |
| Loan and lease loss provision to assets | 0.1099% | 1,151 |
| Net operating income to assets | 1.1880% | 2,233 |
| Return on assets (ROA) | 1.1880% | 2,298 |
| Pretax return on assets | 1.5834% | 1,784 |
| Return on Equity (ROE) | 11.6419% | 2,184 |
| Retained earnings to average equity (ytd only) | 11.6419% | 990 |
| Net charge-offs to loans | -0.0009% | 3,076 |
| Credit loss provision to net charge-offs | -17,720.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1816% | 3,644 |
| Assets per employee ($millions) | 9.3992% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 4,011 |
| Loan loss allowance to noncurrent loans | 386.4855% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 2,444 |
| Noncurrent loans to loans | 0.2449% | 3,071 |
| Net loans and leases to total assets | 69.2896% | 1,286 |
| Net loans and leases to deposits | 78.1996% | 1,596 |
| Net loans and leases to core deposits | 85.9439% | 1,418 |
| Total domestic deposits to total assets | 88.6061% | 1,500 |
| Equity capital to assets | 10.3140% | 2,563 |
| Core capital (leverage) ratio | 9.2513% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4255% | 2,568 |
| Memoranda: | ||
| Average total assets | $1,612,060,000 | 642 |
| Average earning assets | $1,511,806,000 | 627 |
| Average equity | $164,509,000 | 656 |
| Average total loans | $1,145,417,000 | 597 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 1,355 |
| Cost of funding earning assets | 0.3863% | 2,207 |
| Net interest margin | 3.7265% | 1,276 |
| Noninterest income to average assets | 0.3040% | 3,595 |
| Noninterest expense to average assets | 2.0320% | 3,623 |
| Loan and lease loss provision to assets | 0.1006% | 1,342 |
| Net operating income to assets | 1.2538% | 1,967 |
| Return on assets (ROA) | 1.2538% | 2,045 |
| Pretax return on assets | 1.6709% | 1,556 |
| Return on Equity (ROE) | 12.3553% | 1,886 |
| Retained earnings to average equity (ytd only) | 12.3553% | 1,061 |
| Net charge-offs to loans | -0.0007% | 3,026 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4241% | 3,861 |
| Assets per employee ($millions) | 9.7686% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,137 |
| Loan loss allowance to noncurrent loans | 535.8423% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 2,883 |
| Noncurrent loans to loans | 0.1690% | 3,503 |
| Net loans and leases to total assets | 70.6045% | 1,205 |
| Net loans and leases to deposits | 80.2429% | 1,497 |
| Net loans and leases to core deposits | 88.5680% | 1,323 |
| Total domestic deposits to total assets | 87.9885% | 1,850 |
| Equity capital to assets | 10.2346% | 2,493 |
| Core capital (leverage) ratio | 9.7132% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6656% | 1,683 |
| Memoranda: | ||
| Average total assets | $1,590,962,000 | 642 |
| Average earning assets | $1,494,054,000 | 627 |
| Average equity | $161,453,500 | 664 |
| Average total loans | $1,139,535,000 | 600 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 816 |
| Cost of funding earning assets | 0.7890% | 1,257 |
| Net interest margin | 3.9584% | 1,063 |
| Noninterest income to average assets | 0.2928% | 3,726 |
| Noninterest expense to average assets | 2.0463% | 4,047 |
| Loan and lease loss provision to assets | 0.2078% | 1,898 |
| Net operating income to assets | 1.3393% | 1,149 |
| Return on assets (ROA) | 1.3393% | 1,247 |
| Pretax return on assets | 1.7752% | 727 |
| Return on Equity (ROE) | 12.6604% | 1,132 |
| Retained earnings to average equity (ytd only) | 12.1219% | 302 |
| Net charge-offs to loans | 0.0016% | 3,361 |
| Credit loss provision to net charge-offs | 17,026.6667% | 59 |
| Earnings coverage of net charge-offs (x) | 1,624.4667% | 69 |
| Efficiency ratio | 50.7847% | 4,483 |
| Assets per employee ($millions) | 10.0686% | 518 |
| Cash dividends to net income (ytd only)* | 4.2535% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,910 |
| Loan loss allowance to noncurrent loans | 515.2586% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,157 |
| Noncurrent loans to loans | 0.1920% | 3,523 |
| Net loans and leases to total assets | 73.5346% | 1,087 |
| Net loans and leases to deposits | 83.6130% | 1,495 |
| Net loans and leases to core deposits | 93.9991% | 1,249 |
| Total domestic deposits to total assets | 87.9464% | 1,498 |
| Equity capital to assets | 10.1151% | 3,015 |
| Core capital (leverage) ratio | 9.8166% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7286% | 2,344 |
| Memoranda: | ||
| Average total assets | $1,228,776,400 | 737 |
| Average earning assets | $1,159,898,200 | 720 |
| Average equity | $129,988,400 | 769 |
| Average total loans | $958,796,800 | 670 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 758 |
| Cost of funding earning assets | 0.8537% | 1,241 |
| Net interest margin | 4.0293% | 1,055 |
| Noninterest income to average assets | 0.2796% | 3,812 |
| Noninterest expense to average assets | 2.0366% | 4,076 |
| Loan and lease loss provision to assets | 0.2752% | 1,458 |
| Net operating income to assets | 1.3386% | 1,263 |
| Return on assets (ROA) | 1.3386% | 1,359 |
| Pretax return on assets | 1.7709% | 827 |
| Return on Equity (ROE) | 12.4969% | 1,248 |
| Retained earnings to average equity (ytd only) | 11.7669% | 464 |
| Net charge-offs to loans | -0.0037% | 3,981 |
| Credit loss provision to net charge-offs | -9,476.9231% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8837% | 4,503 |
| Assets per employee ($millions) | 10.3611% | 446 |
| Cash dividends to net income (ytd only)* | 5.8411% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,929 |
| Loan loss allowance to noncurrent loans | 405.9181% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 3,127 |
| Noncurrent loans to loans | 0.2317% | 3,475 |
| Net loans and leases to total assets | 77.1236% | 943 |
| Net loans and leases to deposits | 96.8139% | 702 |
| Net loans and leases to core deposits | 111.2633% | 660 |
| Total domestic deposits to total assets | 79.6617% | 3,934 |
| Equity capital to assets | 9.7871% | 3,442 |
| Core capital (leverage) ratio | 10.1691% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5059% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,193,638,000 | 744 |
| Average earning assets | $1,126,657,000 | 726 |
| Average equity | $127,858,250 | 768 |
| Average total loans | $944,247,250 | 675 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 531 |
| Cost of funding earning assets | 0.9305% | 1,238 |
| Net interest margin | 4.3073% | 739 |
| Noninterest income to average assets | 0.2434% | 4,026 |
| Noninterest expense to average assets | 2.0972% | 4,038 |
| Loan and lease loss provision to assets | 0.3829% | 1,078 |
| Net operating income to assets | 1.3740% | 1,165 |
| Return on assets (ROA) | 1.3740% | 1,262 |
| Pretax return on assets | 1.8175% | 787 |
| Return on Equity (ROE) | 12.3979% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.3979% | 411 |
| Net charge-offs to loans | -0.0053% | 4,027 |
| Credit loss provision to net charge-offs | -9,058.3333% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7993% | 4,574 |
| Assets per employee ($millions) | 10.6592% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,803 |
| Loan loss allowance to noncurrent loans | 394.0819% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 2,858 |
| Noncurrent loans to loans | 0.2409% | 3,517 |
| Net loans and leases to total assets | 77.3708% | 942 |
| Net loans and leases to deposits | 95.4337% | 839 |
| Net loans and leases to core deposits | 109.5969% | 753 |
| Total domestic deposits to total assets | 81.0729% | 3,587 |
| Equity capital to assets | 9.9311% | 3,266 |
| Core capital (leverage) ratio | 10.7676% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5654% | 2,370 |
| Memoranda: | ||
| Average total assets | $1,135,630,333 | 766 |
| Average earning assets | $1,068,884,000 | 752 |
| Average equity | $125,859,667 | 769 |
| Average total loans | $904,062,000 | 692 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 568 |
| Cost of funding earning assets | 1.0978% | 1,051 |
| Net interest margin | 4.1838% | 954 |
| Noninterest income to average assets | 0.2290% | 4,176 |
| Noninterest expense to average assets | 2.1517% | 4,112 |
| Loan and lease loss provision to assets | 0.0473% | 3,186 |
| Net operating income to assets | 1.4814% | 820 |
| Return on assets (ROA) | 1.4814% | 893 |
| Pretax return on assets | 1.9490% | 513 |
| Return on Equity (ROE) | 12.5510% | 972 |
| Retained earnings to average equity (ytd only) | 12.5510% | 366 |
| Net charge-offs to loans | -0.0095% | 4,062 |
| Credit loss provision to net charge-offs | -620.0000% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8726% | 4,556 |
| Assets per employee ($millions) | 8.4723% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,107 |
| Loan loss allowance to noncurrent loans | 304.6484% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 2,659 |
| Noncurrent loans to loans | 0.2954% | 3,444 |
| Net loans and leases to total assets | 80.3742% | 656 |
| Net loans and leases to deposits | 95.2280% | 982 |
| Net loans and leases to core deposits | 111.8746% | 759 |
| Total domestic deposits to total assets | 84.4018% | 2,632 |
| Equity capital to assets | 12.0194% | 2,052 |
| Core capital (leverage) ratio | 11.1616% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0175% | 2,689 |
| Memoranda: | ||
| Average total assets | $1,047,906,500 | 791 |
| Average earning assets | $981,595,000 | 772 |
| Average equity | $123,687,000 | 774 |
| Average total loans | $844,036,000 | 713 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 494 |
| Cost of funding earning assets | 1.1697% | 1,099 |
| Net interest margin | 4.4052% | 886 |
| Noninterest income to average assets | 0.2358% | 4,268 |
| Noninterest expense to average assets | 2.2203% | 4,121 |
| Loan and lease loss provision to assets | 0.0688% | 2,637 |
| Net operating income to assets | 1.5900% | 857 |
| Return on assets (ROA) | 1.5904% | 912 |
| Pretax return on assets | 2.0619% | 522 |
| Return on Equity (ROE) | 14.3830% | 822 |
| Retained earnings to average equity (ytd only) | 13.9827% | 126 |
| Net charge-offs to loans | 0.0007% | 3,703 |
| Credit loss provision to net charge-offs | 11,650.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 3,609.0000% | 18 |
| Efficiency ratio | 51.0356% | 4,671 |
| Assets per employee ($millions) | 8.6384% | 565 |
| Cash dividends to net income (ytd only)* | 2.7834% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 3,957 |
| Loan loss allowance to noncurrent loans | 304.9858% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 2,544 |
| Noncurrent loans to loans | 0.2951% | 3,371 |
| Net loans and leases to total assets | 79.2632% | 888 |
| Net loans and leases to deposits | 92.2586% | 1,337 |
| Net loans and leases to core deposits | 108.8269% | 923 |
| Total domestic deposits to total assets | 85.9142% | 2,101 |
| Equity capital to assets | 11.5860% | 2,451 |
| Core capital (leverage) ratio | 10.7600% | 2,714 |
| Tier 1 risk-based capital ratio | 12.3770% | 4,142 |
| Total risk-based capital ratio | 13.2213% | 4,254 |
| Memoranda: | ||
| Average total assets | $1,016,515,400 | 771 |
| Average earning assets | $949,501,600 | 753 |
| Average equity | $112,403,200 | 812 |
| Average total loans | $812,202,000 | 705 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 480 |
| Cost of funding earning assets | 1.1862% | 1,071 |
| Net interest margin | 4.4279% | 889 |
| Noninterest income to average assets | 0.2355% | 4,327 |
| Noninterest expense to average assets | 2.2381% | 4,101 |
| Loan and lease loss provision to assets | 0.0775% | 2,352 |
| Net operating income to assets | 1.5562% | 1,044 |
| Return on assets (ROA) | 1.5562% | 1,095 |
| Pretax return on assets | 2.0524% | 614 |
| Return on Equity (ROE) | 14.2500% | 934 |
| Retained earnings to average equity (ytd only) | 13.7057% | 221 |
| Net charge-offs to loans | 0.0013% | 3,406 |
| Credit loss provision to net charge-offs | 7,337.5000% | 55 |
| Earnings coverage of net charge-offs (x) | 2,014.8201% | 35 |
| Efficiency ratio | 51.2384% | 4,655 |
| Assets per employee ($millions) | 8.2284% | 636 |
| Cash dividends to net income (ytd only)* | 3.8197% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,044 |
| Loan loss allowance to noncurrent loans | 300.4054% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 2,343 |
| Noncurrent loans to loans | 0.2996% | 3,467 |
| Net loans and leases to total assets | 79.3321% | 940 |
| Net loans and leases to deposits | 92.1601% | 1,417 |
| Net loans and leases to core deposits | 109.2174% | 982 |
| Total domestic deposits to total assets | 86.0807% | 1,959 |
| Equity capital to assets | 11.3406% | 2,802 |
| Core capital (leverage) ratio | 10.7166% | 2,924 |
| Tier 1 risk-based capital ratio | 11.7959% | 4,522 |
| Total risk-based capital ratio | 12.6217% | 4,633 |
| Memoranda: | ||
| Average total assets | $1,009,333,250 | 779 |
| Average earning assets | $942,002,750 | 761 |
| Average equity | $110,228,500 | 819 |
| Average total loans | $806,248,000 | 713 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6119% | 464 |
| Cost of funding earning assets | 1.1798% | 1,049 |
| Net interest margin | 4.4321% | 884 |
| Noninterest income to average assets | 0.2259% | 4,394 |
| Noninterest expense to average assets | 2.2514% | 4,121 |
| Loan and lease loss provision to assets | 0.0977% | 1,910 |
| Net operating income to assets | 1.5241% | 1,080 |
| Return on assets (ROA) | 1.5241% | 1,127 |
| Pretax return on assets | 2.0105% | 668 |
| Return on Equity (ROE) | 14.1419% | 946 |
| Retained earnings to average equity (ytd only) | 13.3093% | 272 |
| Net charge-offs to loans | -0.0007% | 3,885 |
| Credit loss provision to net charge-offs | -16,333.3333% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6421% | 4,679 |
| Assets per employee ($millions) | 8.1994% | 622 |
| Cash dividends to net income (ytd only)* | 5.8877% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,092 |
| Loan loss allowance to noncurrent loans | 283.2560% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,181 |
| Noncurrent loans to loans | 0.3177% | 3,393 |
| Net loans and leases to total assets | 79.3309% | 996 |
| Net loans and leases to deposits | 91.7864% | 1,515 |
| Net loans and leases to core deposits | 108.0976% | 1,098 |
| Total domestic deposits to total assets | 86.4300% | 1,844 |
| Equity capital to assets | 11.0590% | 2,987 |
| Core capital (leverage) ratio | 10.5601% | 3,021 |
| Tier 1 risk-based capital ratio | 11.4478% | 4,712 |
| Total risk-based capital ratio | 12.2729% | 4,816 |
| Memoranda: | ||
| Average total assets | $1,002,927,000 | 780 |
| Average earning assets | $935,408,670 | 766 |
| Average equity | $108,090,000 | 831 |
| Average total loans | $800,536,330 | 719 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6320% | 404 |
| Cost of funding earning assets | 1.1709% | 986 |
| Net interest margin | 4.4612% | 801 |
| Noninterest income to average assets | 0.2526% | 4,204 |
| Noninterest expense to average assets | 2.2325% | 4,177 |
| Loan and lease loss provision to assets | 0.1458% | 1,165 |
| Net operating income to assets | 1.5353% | 1,043 |
| Return on assets (ROA) | 1.5353% | 1,065 |
| Pretax return on assets | 2.0333% | 603 |
| Return on Equity (ROE) | 14.4380% | 868 |
| Retained earnings to average equity (ytd only) | 12.7385% | 506 |
| Net charge-offs to loans | -0.0010% | 3,806 |
| Credit loss provision to net charge-offs | -18,150.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6054% | 4,783 |
| Assets per employee ($millions) | 8.1568% | 637 |
| Cash dividends to net income (ytd only)* | 11.7709% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,177 |
| Loan loss allowance to noncurrent loans | 278.2676% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 2,142 |
| Noncurrent loans to loans | 0.3219% | 3,412 |
| Net loans and leases to total assets | 78.7095% | 1,036 |
| Net loans and leases to deposits | 89.5416% | 1,682 |
| Net loans and leases to core deposits | 103.5709% | 1,346 |
| Total domestic deposits to total assets | 87.9027% | 1,389 |
| Equity capital to assets | 10.6651% | 3,191 |
| Core capital (leverage) ratio | 10.1204% | 3,465 |
| Tier 1 risk-based capital ratio | 11.1869% | 4,893 |
| Total risk-based capital ratio | 12.0107% | 4,985 |
| Memoranda: | ||
| Average total assets | $996,027,000 | 791 |
| Average earning assets | $928,546,000 | 773 |
| Average equity | $105,915,000 | 844 |
| Average total loans | $793,852,500 | 724 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5518% | 360 |
| Cost of funding earning assets | 1.0226% | 692 |
| Net interest margin | 4.5291% | 724 |
| Noninterest income to average assets | 0.2708% | 4,295 |
| Noninterest expense to average assets | 2.4563% | 3,735 |
| Loan and lease loss provision to assets | 0.1305% | 1,686 |
| Net operating income to assets | 1.4284% | 1,339 |
| Return on assets (ROA) | 1.4285% | 1,333 |
| Pretax return on assets | 1.9057% | 710 |
| Return on Equity (ROE) | 13.1240% | 1,298 |
| Retained earnings to average equity (ytd only) | 13.1240% | 224 |
| Net charge-offs to loans | -0.0003% | 4,150 |
| Credit loss provision to net charge-offs | -58,250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6774% | 4,560 |
| Assets per employee ($millions) | 7.7826% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,298 |
| Loan loss allowance to noncurrent loans | 264.1531% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 2,039 |
| Noncurrent loans to loans | 0.3297% | 3,368 |
| Net loans and leases to total assets | 79.2951% | 1,052 |
| Net loans and leases to deposits | 90.0289% | 1,798 |
| Net loans and leases to core deposits | 101.8163% | 1,593 |
| Total domestic deposits to total assets | 88.0774% | 1,266 |
| Equity capital to assets | 10.6014% | 3,077 |
| Core capital (leverage) ratio | 10.0861% | 3,481 |
| Tier 1 risk-based capital ratio | 10.9298% | 5,005 |
| Total risk-based capital ratio | 11.7218% | 5,088 |
| Memoranda: | ||
| Average total assets | $892,800,600 | 856 |
| Average earning assets | $832,167,000 | 844 |
| Average equity | $97,181,000 | 872 |
| Average total loans | $730,674,600 | 751 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5248% | 343 |
| Cost of funding earning assets | 0.9523% | 741 |
| Net interest margin | 4.5725% | 632 |
| Noninterest income to average assets | 0.2525% | 4,460 |
| Noninterest expense to average assets | 2.4775% | 3,660 |
| Loan and lease loss provision to assets | 0.1171% | 1,738 |
| Net operating income to assets | 1.4406% | 1,360 |
| Return on assets (ROA) | 1.4407% | 1,360 |
| Pretax return on assets | 1.9211% | 784 |
| Return on Equity (ROE) | 13.1394% | 1,374 |
| Retained earnings to average equity (ytd only) | 13.1394% | 343 |
| Net charge-offs to loans | -0.0002% | 3,982 |
| Credit loss provision to net charge-offs | -76,500.0000% | 4,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8654% | 4,522 |
| Assets per employee ($millions) | 7.3575% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,492 |
| Loan loss allowance to noncurrent loans | 248.6466% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 2,001 |
| Noncurrent loans to loans | 0.3384% | 3,449 |
| Net loans and leases to total assets | 81.1054% | 858 |
| Net loans and leases to deposits | 93.2955% | 1,468 |
| Net loans and leases to core deposits | 106.0467% | 1,308 |
| Total domestic deposits to total assets | 86.9339% | 1,762 |
| Equity capital to assets | 10.6949% | 2,936 |
| Core capital (leverage) ratio | 10.2347% | 3,363 |
| Tier 1 risk-based capital ratio | 10.6956% | 5,173 |
| Total risk-based capital ratio | 11.4567% | 5,259 |
| Memoranda: | ||
| Average total assets | $870,848,500 | 872 |
| Average earning assets | $811,927,750 | 862 |
| Average equity | $95,486,750 | 884 |
| Average total loans | $717,241,750 | 761 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 332 |
| Cost of funding earning assets | 0.8798% | 796 |
| Net interest margin | 4.5942% | 557 |
| Noninterest income to average assets | 0.2086% | 4,765 |
| Noninterest expense to average assets | 2.5000% | 3,632 |
| Loan and lease loss provision to assets | 0.1029% | 1,888 |
| Net operating income to assets | 1.4218% | 1,360 |
| Return on assets (ROA) | 1.4220% | 1,363 |
| Pretax return on assets | 1.8967% | 779 |
| Return on Equity (ROE) | 12.8526% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.8526% | 402 |
| Net charge-offs to loans | 0.0003% | 3,204 |
| Credit loss provision to net charge-offs | 43,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 8,494.0000% | 7 |
| Efficiency ratio | 55.5637% | 4,534 |
| Assets per employee ($millions) | 6.9644% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 4,540 |
| Loan loss allowance to noncurrent loans | 231.7629% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 1,631 |
| Noncurrent loans to loans | 0.3684% | 3,372 |
| Net loans and leases to total assets | 80.7207% | 905 |
| Net loans and leases to deposits | 94.2078% | 1,334 |
| Net loans and leases to core deposits | 110.0183% | 998 |
| Total domestic deposits to total assets | 85.6837% | 2,417 |
| Equity capital to assets | 11.0313% | 2,611 |
| Core capital (leverage) ratio | 10.0776% | 3,499 |
| Tier 1 risk-based capital ratio | 10.9915% | 5,054 |
| Total risk-based capital ratio | 11.7684% | 5,162 |
| Memoranda: | ||
| Average total assets | $849,664,670 | 895 |
| Average earning assets | $793,557,330 | 884 |
| Average equity | $94,004,670 | 891 |
| Average total loans | $701,562,670 | 782 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 354 |
| Cost of funding earning assets | 0.8120% | 904 |
| Net interest margin | 4.5609% | 546 |
| Noninterest income to average assets | 0.1876% | 4,899 |
| Noninterest expense to average assets | 2.4587% | 3,784 |
| Loan and lease loss provision to assets | 0.1244% | 1,512 |
| Net operating income to assets | 1.3966% | 1,353 |
| Return on assets (ROA) | 1.3966% | 1,359 |
| Pretax return on assets | 1.8604% | 799 |
| Return on Equity (ROE) | 12.6039% | 1,376 |
| Retained earnings to average equity (ytd only) | 12.6039% | 578 |
| Net charge-offs to loans | 0.0006% | 2,708 |
| Credit loss provision to net charge-offs | 26,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 4,147.0000% | 13 |
| Efficiency ratio | 55.3318% | 4,660 |
| Assets per employee ($millions) | 7.2784% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,683 |
| Loan loss allowance to noncurrent loans | 225.0760% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9765% | 1,610 |
| Noncurrent loans to loans | 0.3714% | 3,451 |
| Net loans and leases to total assets | 82.5284% | 599 |
| Net loans and leases to deposits | 97.9390% | 865 |
| Net loans and leases to core deposits | 110.3245% | 986 |
| Total domestic deposits to total assets | 84.2651% | 3,210 |
| Equity capital to assets | 11.0113% | 2,565 |
| Core capital (leverage) ratio | 9.9021% | 3,643 |
| Tier 1 risk-based capital ratio | 10.4792% | 5,355 |
| Total risk-based capital ratio | 11.2335% | 5,449 |
| Memoranda: | ||
| Average total assets | $835,739,500 | 916 |
| Average earning assets | $779,849,500 | 903 |
| Average equity | $92,606,500 | 910 |
| Average total loans | $695,126,000 | 790 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 553 |
| Cost of funding earning assets | 0.7002% | 1,014 |
| Net interest margin | 4.3814% | 807 |
| Noninterest income to average assets | 0.3118% | 4,228 |
| Noninterest expense to average assets | 2.3527% | 4,201 |
| Loan and lease loss provision to assets | 0.1428% | 1,587 |
| Net operating income to assets | 0.9810% | 2,324 |
| Return on assets (ROA) | 0.9810% | 2,361 |
| Pretax return on assets | 1.8827% | 623 |
| Return on Equity (ROE) | 8.7658% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.2295% | 686 |
| Net charge-offs to loans | 0.0182% | 3,493 |
| Credit loss provision to net charge-offs | 933.3333% | 378 |
| Earnings coverage of net charge-offs (x) | 132.3431% | 518 |
| Efficiency ratio | 53.7357% | 4,969 |
| Assets per employee ($millions) | 7.1922% | 890 |
| Cash dividends to net income (ytd only)* | 6.1181% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,735 |
| Loan loss allowance to noncurrent loans | 218.1818% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 1,437 |
| Noncurrent loans to loans | 0.3809% | 3,389 |
| Net loans and leases to total assets | 82.4332% | 621 |
| Net loans and leases to deposits | 97.4024% | 951 |
| Net loans and leases to core deposits | 108.8306% | 1,073 |
| Total domestic deposits to total assets | 84.6316% | 2,985 |
| Equity capital to assets | 11.1529% | 2,485 |
| Core capital (leverage) ratio | 10.0542% | 3,385 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,193 |
| Total risk-based capital ratio | 11.6786% | 5,306 |
| Memoranda: | ||
| Average total assets | $666,434,200 | 1,098 |
| Average earning assets | $618,526,000 | 1,092 |
| Average equity | $74,585,600 | 1,074 |
| Average total loans | $558,996,000 | 924 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 722 |
| Cost of funding earning assets | 0.6817% | 1,065 |
| Net interest margin | 4.2413% | 1,065 |
| Noninterest income to average assets | 0.3687% | 3,888 |
| Noninterest expense to average assets | 2.2598% | 4,395 |
| Loan and lease loss provision to assets | 0.1416% | 1,495 |
| Net operating income to assets | 1.1517% | 1,877 |
| Return on assets (ROA) | 1.1517% | 1,926 |
| Pretax return on assets | 1.8978% | 689 |
| Return on Equity (ROE) | 10.2786% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.5207% | 699 |
| Net charge-offs to loans | 0.0265% | 2,909 |
| Credit loss provision to net charge-offs | 635.2381% | 518 |
| Earnings coverage of net charge-offs (x) | 91.4929% | 733 |
| Efficiency ratio | 52.5627% | 5,053 |
| Assets per employee ($millions) | 7.6480% | 716 |
| Cash dividends to net income (ytd only)* | 7.3733% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,820 |
| Loan loss allowance to noncurrent loans | 207.8083% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 1,398 |
| Noncurrent loans to loans | 0.3980% | 3,528 |
| Net loans and leases to total assets | 81.0462% | 831 |
| Net loans and leases to deposits | 95.5711% | 1,147 |
| Net loans and leases to core deposits | 106.6775% | 1,225 |
| Total domestic deposits to total assets | 84.8020% | 2,797 |
| Equity capital to assets | 11.3633% | 2,502 |
| Core capital (leverage) ratio | 12.3950% | 1,460 |
| Tier 1 risk-based capital ratio | 11.0578% | 5,208 |
| Total risk-based capital ratio | 11.8108% | 5,361 |
| Memoranda: | ||
| Average total assets | $628,065,500 | 1,154 |
| Average earning assets | $582,035,750 | 1,151 |
| Average equity | $70,371,000 | 1,140 |
| Average total loans | $528,359,750 | 974 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 444 |
| Cost of funding earning assets | 0.6996% | 896 |
| Net interest margin | 4.4310% | 662 |
| Noninterest income to average assets | 0.4299% | 3,492 |
| Noninterest expense to average assets | 2.4054% | 4,039 |
| Loan and lease loss provision to assets | 0.1667% | 1,194 |
| Net operating income to assets | 1.1854% | 1,645 |
| Return on assets (ROA) | 1.1854% | 1,679 |
| Pretax return on assets | 1.9567% | 580 |
| Return on Equity (ROE) | 10.6499% | 1,782 |
| Retained earnings to average equity (ytd only) | 9.3940% | 729 |
| Net charge-offs to loans | -0.0012% | 4,147 |
| Credit loss provision to net charge-offs | -15,900.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1137% | 5,088 |
| Assets per employee ($millions) | 8.3010% | 549 |
| Cash dividends to net income (ytd only)* | 11.7925% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,961 |
| Loan loss allowance to noncurrent loans | 202.4474% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 1,547 |
| Noncurrent loans to loans | 0.5088% | 3,236 |
| Net loans and leases to total assets | 85.1056% | 336 |
| Net loans and leases to deposits | 101.3209% | 652 |
| Net loans and leases to core deposits | 114.7869% | 762 |
| Total domestic deposits to total assets | 83.9961% | 3,194 |
| Equity capital to assets | 10.9123% | 2,912 |
| Core capital (leverage) ratio | 9.9577% | 3,588 |
| Tier 1 risk-based capital ratio | 10.2223% | 5,570 |
| Total risk-based capital ratio | 11.1819% | 5,608 |
| Memoranda: | ||
| Average total assets | $572,289,670 | 1,265 |
| Average earning assets | $529,411,670 | 1,254 |
| Average equity | $63,700,330 | 1,247 |
| Average total loans | $487,809,000 | 1,055 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 480 |
| Cost of funding earning assets | 0.6864% | 900 |
| Net interest margin | 4.3671% | 677 |
| Noninterest income to average assets | 0.6276% | 2,280 |
| Noninterest expense to average assets | 2.5268% | 3,730 |
| Loan and lease loss provision to assets | 0.1079% | 1,767 |
| Net operating income to assets | 1.2295% | 1,430 |
| Return on assets (ROA) | 1.2295% | 1,469 |
| Pretax return on assets | 2.0265% | 479 |
| Return on Equity (ROE) | 10.9310% | 1,593 |
| Retained earnings to average equity (ytd only) | 10.9310% | 620 |
| Net charge-offs to loans | -0.0008% | 3,962 |
| Credit loss provision to net charge-offs | -15,100.0000% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2095% | 5,106 |
| Assets per employee ($millions) | 8.2168% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 4,097 |
| Loan loss allowance to noncurrent loans | 183.2841% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 1,494 |
| Noncurrent loans to loans | 0.5620% | 3,121 |
| Net loans and leases to total assets | 84.1697% | 349 |
| Net loans and leases to deposits | 100.9439% | 554 |
| Net loans and leases to core deposits | 115.1339% | 626 |
| Total domestic deposits to total assets | 83.3827% | 3,707 |
| Equity capital to assets | 11.2583% | 2,378 |
| Core capital (leverage) ratio | 9.9629% | 3,550 |
| Tier 1 risk-based capital ratio | 10.5615% | 5,516 |
| Total risk-based capital ratio | 11.5343% | 5,566 |
| Memoranda: | ||
| Average total assets | $559,597,500 | 1,286 |
| Average earning assets | $516,869,500 | 1,276 |
| Average equity | $62,940,500 | 1,261 |
| Average total loans | $474,739,500 | 1,079 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 643 |
| Cost of funding earning assets | 0.7870% | 538 |
| Net interest margin | 4.1759% | 1,176 |
| Noninterest income to average assets | 0.4180% | 3,754 |
| Noninterest expense to average assets | 2.4770% | 4,084 |
| Loan and lease loss provision to assets | 0.2634% | 777 |
| Net operating income to assets | 0.9301% | 2,681 |
| Return on assets (ROA) | 0.9424% | 2,729 |
| Pretax return on assets | 1.5082% | 1,561 |
| Return on Equity (ROE) | 7.9379% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.9379% | 874 |
| Net charge-offs to loans | 0.0368% | 3,288 |
| Credit loss provision to net charge-offs | 901.3605% | 418 |
| Earnings coverage of net charge-offs (x) | 59.9796% | 889 |
| Efficiency ratio | 58.5648% | 4,782 |
| Assets per employee ($millions) | 8.1211% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 4,142 |
| Loan loss allowance to noncurrent loans | 179.5599% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 1,219 |
| Noncurrent loans to loans | 0.5737% | 3,120 |
| Net loans and leases to total assets | 83.7487% | 410 |
| Net loans and leases to deposits | 99.1400% | 734 |
| Net loans and leases to core deposits | 114.6371% | 673 |
| Total domestic deposits to total assets | 84.4752% | 3,243 |
| Equity capital to assets | 11.2363% | 2,382 |
| Core capital (leverage) ratio | 9.8250% | 3,711 |
| Tier 1 risk-based capital ratio | 10.3265% | 5,654 |
| Total risk-based capital ratio | 11.2962% | 5,681 |
| Memoranda: | ||
| Average total assets | $503,103,800 | 1,367 |
| Average earning assets | $459,205,400 | 1,388 |
| Average equity | $59,726,000 | 1,296 |
| Average total loans | $399,380,400 | 1,205 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 723 |
| Cost of funding earning assets | 0.8137% | 466 |
| Net interest margin | 4.0875% | 1,415 |
| Noninterest income to average assets | 0.2600% | 4,907 |
| Noninterest expense to average assets | 2.4334% | 4,181 |
| Loan and lease loss provision to assets | 0.1975% | 1,079 |
| Net operating income to assets | 0.8414% | 3,192 |
| Return on assets (ROA) | 0.8581% | 3,237 |
| Pretax return on assets | 1.3751% | 2,141 |
| Return on Equity (ROE) | 7.1213% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.1213% | 1,562 |
| Net charge-offs to loans | 0.0516% | 2,631 |
| Credit loss provision to net charge-offs | 491.2162% | 720 |
| Earnings coverage of net charge-offs (x) | 38.4659% | 1,273 |
| Efficiency ratio | 61.1426% | 4,364 |
| Assets per employee ($millions) | 7.4364% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,414 |
| Loan loss allowance to noncurrent loans | 157.2175% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 1,064 |
| Noncurrent loans to loans | 0.6358% | 3,109 |
| Net loans and leases to total assets | 81.3611% | 709 |
| Net loans and leases to deposits | 94.8483% | 1,164 |
| Net loans and leases to core deposits | 110.1233% | 901 |
| Total domestic deposits to total assets | 85.7802% | 2,466 |
| Equity capital to assets | 11.8565% | 2,212 |
| Core capital (leverage) ratio | 9.2860% | 4,475 |
| Tier 1 risk-based capital ratio | 10.2021% | 5,736 |
| Total risk-based capital ratio | 11.1257% | 5,790 |
| Memoranda: | ||
| Average total assets | $490,820,250 | 1,407 |
| Average earning assets | $446,688,250 | 1,428 |
| Average equity | $59,144,750 | 1,313 |
| Average total loans | $382,399,000 | 1,236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 797 |
| Cost of funding earning assets | 0.8334% | 407 |
| Net interest margin | 4.0183% | 1,588 |
| Noninterest income to average assets | 0.2784% | 4,789 |
| Noninterest expense to average assets | 2.4432% | 4,208 |
| Loan and lease loss provision to assets | 0.2131% | 999 |
| Net operating income to assets | 0.7938% | 3,336 |
| Return on assets (ROA) | 0.8192% | 3,358 |
| Pretax return on assets | 1.3124% | 2,357 |
| Return on Equity (ROE) | 6.7599% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.7599% | 1,735 |
| Net charge-offs to loans | 0.0812% | 2,035 |
| Credit loss provision to net charge-offs | 343.3333% | 863 |
| Earnings coverage of net charge-offs (x) | 23.9400% | 1,569 |
| Efficiency ratio | 62.1841% | 4,317 |
| Assets per employee ($millions) | 7.6358% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,461 |
| Loan loss allowance to noncurrent loans | 94.4969% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.6654% | 1,086 |
| Noncurrent loans to loans | 1.0688% | 2,154 |
| Net loans and leases to total assets | 77.8129% | 1,232 |
| Net loans and leases to deposits | 90.6885% | 1,672 |
| Net loans and leases to core deposits | 105.6985% | 1,200 |
| Total domestic deposits to total assets | 85.8024% | 2,519 |
| Equity capital to assets | 11.8292% | 2,249 |
| Core capital (leverage) ratio | 9.1597% | 4,647 |
| Tier 1 risk-based capital ratio | 10.2770% | 5,770 |
| Total risk-based capital ratio | 11.1962% | 5,814 |
| Memoranda: | ||
| Average total assets | $483,390,330 | 1,429 |
| Average earning assets | $439,146,000 | 1,456 |
| Average equity | $58,580,670 | 1,326 |
| Average total loans | $369,303,000 | 1,268 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 715 |
| Cost of funding earning assets | 0.8365% | 409 |
| Net interest margin | 4.0473% | 1,486 |
| Noninterest income to average assets | 0.3382% | 4,316 |
| Noninterest expense to average assets | 2.4527% | 4,216 |
| Loan and lease loss provision to assets | 0.2148% | 900 |
| Net operating income to assets | 0.8396% | 3,035 |
| Return on assets (ROA) | 0.8396% | 3,169 |
| Pretax return on assets | 1.3443% | 2,114 |
| Return on Equity (ROE) | 6.8408% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.8408% | 1,961 |
| Net charge-offs to loans | 0.1697% | 1,124 |
| Credit loss provision to net charge-offs | 168.2119% | 1,197 |
| Earnings coverage of net charge-offs (x) | 12.2119% | 1,812 |
| Efficiency ratio | 61.1380% | 4,580 |
| Assets per employee ($millions) | 7.8396% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,484 |
| Loan loss allowance to noncurrent loans | 142.4381% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 1,487 |
| Noncurrent loans to loans | 0.7172% | 3,041 |
| Net loans and leases to total assets | 74.5277% | 1,644 |
| Net loans and leases to deposits | 87.1412% | 1,925 |
| Net loans and leases to core deposits | 101.1583% | 1,397 |
| Total domestic deposits to total assets | 85.5253% | 2,906 |
| Equity capital to assets | 12.0657% | 1,981 |
| Core capital (leverage) ratio | 9.3885% | 4,364 |
| Tier 1 risk-based capital ratio | 10.6954% | 5,661 |
| Total risk-based capital ratio | 11.6217% | 5,721 |
| Memoranda: | ||
| Average total assets | $473,103,500 | 1,450 |
| Average earning assets | $429,422,500 | 1,481 |
| Average equity | $58,063,500 | 1,332 |
| Average total loans | $355,879,500 | 1,307 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 670 |
| Cost of funding earning assets | 0.7655% | 595 |
| Net interest margin | 4.2018% | 1,171 |
| Noninterest income to average assets | 0.3304% | 4,537 |
| Noninterest expense to average assets | 2.5148% | 4,182 |
| Loan and lease loss provision to assets | 0.0961% | 2,390 |
| Net operating income to assets | 0.9295% | 2,705 |
| Return on assets (ROA) | 0.9291% | 2,798 |
| Pretax return on assets | 1.4892% | 1,591 |
| Return on Equity (ROE) | 7.2402% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.2402% | 1,184 |
| Net charge-offs to loans | -0.0015% | 4,856 |
| Credit loss provision to net charge-offs | -8,320.0000% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3252% | 4,708 |
| Assets per employee ($millions) | 7.3040% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 4,305 |
| Loan loss allowance to noncurrent loans | 77.4441% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 940 |
| Noncurrent loans to loans | 1.3578% | 1,727 |
| Net loans and leases to total assets | 74.3533% | 1,668 |
| Net loans and leases to deposits | 87.4298% | 1,942 |
| Net loans and leases to core deposits | 98.7163% | 1,613 |
| Total domestic deposits to total assets | 85.0435% | 3,069 |
| Equity capital to assets | 12.4917% | 1,633 |
| Core capital (leverage) ratio | 9.7029% | 3,903 |
| Tier 1 risk-based capital ratio | 10.6421% | 5,706 |
| Total risk-based capital ratio | 11.5673% | 5,782 |
| Memoranda: | ||
| Average total assets | $432,791,800 | 1,542 |
| Average earning assets | $388,354,200 | 1,571 |
| Average equity | $55,537,000 | 1,347 |
| Average total loans | $325,922,000 | 1,366 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 708 |
| Cost of funding earning assets | 0.7515% | 641 |
| Net interest margin | 4.1841% | 1,200 |
| Noninterest income to average assets | 0.4132% | 3,986 |
| Noninterest expense to average assets | 2.5367% | 4,090 |
| Loan and lease loss provision to assets | 0.0967% | 2,238 |
| Net operating income to assets | 0.9512% | 2,707 |
| Return on assets (ROA) | 0.9506% | 2,802 |
| Pretax return on assets | 1.5241% | 1,614 |
| Return on Equity (ROE) | 7.3554% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3554% | 1,520 |
| Net charge-offs to loans | -0.0017% | 4,684 |
| Credit loss provision to net charge-offs | -7,725.0000% | 5,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0011% | 4,732 |
| Assets per employee ($millions) | 7.0889% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,527 |
| Loan loss allowance to noncurrent loans | 74.6825% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1687% | 886 |
| Noncurrent loans to loans | 1.3922% | 1,834 |
| Net loans and leases to total assets | 77.6544% | 1,157 |
| Net loans and leases to deposits | 89.8467% | 1,670 |
| Net loans and leases to core deposits | 102.1113% | 1,377 |
| Total domestic deposits to total assets | 86.4299% | 2,317 |
| Equity capital to assets | 13.0889% | 1,404 |
| Core capital (leverage) ratio | 9.6847% | 4,049 |
| Tier 1 risk-based capital ratio | 10.5431% | 5,864 |
| Total risk-based capital ratio | 11.4697% | 5,919 |
| Memoranda: | ||
| Average total assets | $425,951,500 | 1,571 |
| Average earning assets | $381,277,000 | 1,611 |
| Average equity | $55,051,000 | 1,366 |
| Average total loans | $320,958,750 | 1,390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 753 |
| Cost of funding earning assets | 0.7333% | 704 |
| Net interest margin | 4.1537% | 1,217 |
| Noninterest income to average assets | 0.3884% | 4,168 |
| Noninterest expense to average assets | 2.5347% | 4,121 |
| Loan and lease loss provision to assets | 0.1081% | 2,025 |
| Net operating income to assets | 0.9103% | 2,818 |
| Return on assets (ROA) | 0.9094% | 2,952 |
| Pretax return on assets | 1.4597% | 1,767 |
| Return on Equity (ROE) | 7.0670% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.0670% | 1,670 |
| Net charge-offs to loans | -0.0019% | 4,586 |
| Credit loss provision to net charge-offs | -7,633.3333% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7640% | 4,710 |
| Assets per employee ($millions) | 7.6004% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 4,578 |
| Loan loss allowance to noncurrent loans | 129.2948% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 978 |
| Noncurrent loans to loans | 0.8157% | 3,085 |
| Net loans and leases to total assets | 74.6458% | 1,559 |
| Net loans and leases to deposits | 85.9572% | 2,060 |
| Net loans and leases to core deposits | 97.6074% | 1,678 |
| Total domestic deposits to total assets | 86.8407% | 2,246 |
| Equity capital to assets | 12.7881% | 1,501 |
| Core capital (leverage) ratio | 9.5532% | 4,206 |
| Tier 1 risk-based capital ratio | 10.3304% | 5,982 |
| Total risk-based capital ratio | 11.2589% | 6,039 |
| Memoranda: | ||
| Average total assets | $423,795,330 | 1,589 |
| Average earning assets | $379,088,000 | 1,628 |
| Average equity | $54,535,000 | 1,382 |
| Average total loans | $314,838,000 | 1,417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 815 |
| Cost of funding earning assets | 0.7090% | 826 |
| Net interest margin | 4.1173% | 1,234 |
| Noninterest income to average assets | 0.5011% | 3,279 |
| Noninterest expense to average assets | 2.5962% | 3,945 |
| Loan and lease loss provision to assets | 0.1670% | 1,197 |
| Net operating income to assets | 0.8819% | 2,837 |
| Return on assets (ROA) | 0.8819% | 2,964 |
| Pretax return on assets | 1.4241% | 1,796 |
| Return on Equity (ROE) | 6.8315% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.8315% | 2,088 |
| Net charge-offs to loans | -0.0013% | 4,335 |
| Credit loss provision to net charge-offs | -17,500.0000% | 5,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0014% | 4,798 |
| Assets per employee ($millions) | 7.3536% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,642 |
| Loan loss allowance to noncurrent loans | 122.2863% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 2.4403% | 891 |
| Noncurrent loans to loans | 0.8780% | 3,050 |
| Net loans and leases to total assets | 75.8714% | 1,228 |
| Net loans and leases to deposits | 87.8699% | 1,623 |
| Net loans and leases to core deposits | 100.2387% | 1,306 |
| Total domestic deposits to total assets | 86.3451% | 2,740 |
| Equity capital to assets | 13.2637% | 1,275 |
| Core capital (leverage) ratio | 9.3126% | 4,553 |
| Tier 1 risk-based capital ratio | 10.2138% | 6,108 |
| Total risk-based capital ratio | 11.1557% | 6,153 |
| Memoranda: | ||
| Average total assets | $419,082,000 | 1,616 |
| Average earning assets | $375,198,500 | 1,648 |
| Average equity | $54,102,000 | 1,406 |
| Average total loans | $308,842,500 | 1,442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 794 |
| Cost of funding earning assets | 0.8064% | 631 |
| Net interest margin | 4.1815% | 1,354 |
| Noninterest income to average assets | 0.0510% | 6,289 |
| Noninterest expense to average assets | 2.2921% | 5,133 |
| Loan and lease loss provision to assets | 0.1300% | 2,020 |
| Net operating income to assets | 0.8227% | 3,267 |
| Return on assets (ROA) | 0.8227% | 3,357 |
| Pretax return on assets | 1.3609% | 2,036 |
| Return on Equity (ROE) | 6.4862% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.4862% | 1,650 |
| Net charge-offs to loans | 0.1093% | 2,957 |
| Credit loss provision to net charge-offs | 157.3668% | 1,541 |
| Earnings coverage of net charge-offs (x) | 18.0533% | 1,868 |
| Efficiency ratio | 60.5899% | 5,132 |
| Assets per employee ($millions) | 7.7521% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,732 |
| Loan loss allowance to noncurrent loans | 115.0680% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 2.5687% | 884 |
| Noncurrent loans to loans | 0.9256% | 3,002 |
| Net loans and leases to total assets | 70.0436% | 2,229 |
| Net loans and leases to deposits | 80.4075% | 2,671 |
| Net loans and leases to core deposits | 90.4041% | 2,237 |
| Total domestic deposits to total assets | 87.1107% | 2,222 |
| Equity capital to assets | 12.5677% | 1,607 |
| Core capital (leverage) ratio | 9.4599% | 4,294 |
| Tier 1 risk-based capital ratio | 11.5883% | 5,614 |
| Total risk-based capital ratio | 12.5885% | 5,666 |
| Memoranda: | ||
| Average total assets | $386,285,000 | 1,694 |
| Average earning assets | $344,757,600 | 1,738 |
| Average equity | $48,996,200 | 1,471 |
| Average total loans | $291,941,600 | 1,465 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 658 |
| Cost of funding earning assets | 0.8277% | 601 |
| Net interest margin | 4.2635% | 1,122 |
| Noninterest income to average assets | 0.0294% | 6,425 |
| Noninterest expense to average assets | 2.3345% | 5,010 |
| Loan and lease loss provision to assets | 0.1602% | 1,558 |
| Net operating income to assets | 0.7991% | 3,431 |
| Return on assets (ROA) | 0.7991% | 3,528 |
| Pretax return on assets | 1.3242% | 2,291 |
| Return on Equity (ROE) | 6.2835% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.2835% | 2,232 |
| Net charge-offs to loans | 0.1479% | 2,310 |
| Credit loss provision to net charge-offs | 140.8100% | 1,673 |
| Earnings coverage of net charge-offs (x) | 13.0498% | 2,260 |
| Efficiency ratio | 61.1302% | 5,017 |
| Assets per employee ($millions) | 7.3355% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 4,818 |
| Loan loss allowance to noncurrent loans | 112.6425% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.7684% | 894 |
| Noncurrent loans to loans | 0.9632% | 3,155 |
| Net loans and leases to total assets | 72.7986% | 1,715 |
| Net loans and leases to deposits | 84.2912% | 2,107 |
| Net loans and leases to core deposits | 95.6527% | 1,704 |
| Total domestic deposits to total assets | 86.3656% | 2,663 |
| Equity capital to assets | 13.2540% | 1,300 |
| Core capital (leverage) ratio | 9.3837% | 4,531 |
| Tier 1 risk-based capital ratio | 11.4044% | 5,833 |
| Total risk-based capital ratio | 12.4177% | 5,880 |
| Memoranda: | ||
| Average total assets | $376,265,500 | 1,751 |
| Average earning assets | $334,429,250 | 1,810 |
| Average equity | $47,849,250 | 1,511 |
| Average total loans | $289,463,250 | 1,489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 598 |
| Cost of funding earning assets | 0.8302% | 608 |
| Net interest margin | 4.2866% | 1,048 |
| Noninterest income to average assets | 0.0168% | 6,516 |
| Noninterest expense to average assets | 2.4034% | 4,871 |
| Loan and lease loss provision to assets | 0.1991% | 1,215 |
| Net operating income to assets | 0.7288% | 3,682 |
| Return on assets (ROA) | 0.7288% | 3,780 |
| Pretax return on assets | 1.2136% | 2,601 |
| Return on Equity (ROE) | 5.8187% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.8187% | 2,436 |
| Net charge-offs to loans | 0.2237% | 1,696 |
| Credit loss provision to net charge-offs | 113.9319% | 1,771 |
| Earnings coverage of net charge-offs (x) | 8.0836% | 2,539 |
| Efficiency ratio | 62.9803% | 4,861 |
| Assets per employee ($millions) | 7.6946% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,153 |
| Loan loss allowance to noncurrent loans | 83.0499% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.8542% | 910 |
| Noncurrent loans to loans | 1.2529% | 2,720 |
| Net loans and leases to total assets | 76.0608% | 1,152 |
| Net loans and leases to deposits | 88.2311% | 1,566 |
| Net loans and leases to core deposits | 99.9440% | 1,291 |
| Total domestic deposits to total assets | 86.2064% | 2,929 |
| Equity capital to assets | 13.4068% | 1,193 |
| Core capital (leverage) ratio | 9.2863% | 4,611 |
| Tier 1 risk-based capital ratio | 10.8877% | 6,096 |
| Total risk-based capital ratio | 11.8758% | 6,155 |
| Memoranda: | ||
| Average total assets | $369,649,000 | 1,776 |
| Average earning assets | $327,628,000 | 1,836 |
| Average equity | $46,298,670 | 1,547 |
| Average total loans | $288,774,670 | 1,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 574 |
| Cost of funding earning assets | 0.8252% | 650 |
| Net interest margin | 4.2974% | 1,000 |
| Noninterest income to average assets | 0.1038% | 6,319 |
| Noninterest expense to average assets | 2.4678% | 4,726 |
| Loan and lease loss provision to assets | 0.4065% | 414 |
| Net operating income to assets | 0.6109% | 4,151 |
| Return on assets (ROA) | 0.6109% | 4,229 |
| Pretax return on assets | 1.0207% | 3,249 |
| Return on Equity (ROE) | 5.0667% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.0667% | 3,084 |
| Net charge-offs to loans | 0.4542% | 798 |
| Credit loss provision to net charge-offs | 113.5802% | 1,507 |
| Earnings coverage of net charge-offs (x) | 3.9877% | 2,591 |
| Efficiency ratio | 63.3579% | 4,953 |
| Assets per employee ($millions) | 7.9163% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 5,308 |
| Loan loss allowance to noncurrent loans | 82.3561% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.2169% | 840 |
| Noncurrent loans to loans | 1.2771% | 2,894 |
| Net loans and leases to total assets | 77.7769% | 786 |
| Net loans and leases to deposits | 91.5710% | 985 |
| Net loans and leases to core deposits | 103.3375% | 898 |
| Total domestic deposits to total assets | 84.9362% | 3,904 |
| Equity capital to assets | 12.7061% | 1,453 |
| Core capital (leverage) ratio | 8.5001% | 5,643 |
| Tier 1 risk-based capital ratio | 9.4771% | 6,549 |
| Total risk-based capital ratio | 10.4809% | 6,571 |
| Memoranda: | ||
| Average total assets | $362,109,000 | 1,815 |
| Average earning assets | $319,450,500 | 1,891 |
| Average equity | $43,658,000 | 1,628 |
| Average total loans | $285,309,500 | 1,504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 1,127 |
| Cost of funding earning assets | 0.8280% | 1,048 |
| Net interest margin | 4.0539% | 1,787 |
| Noninterest income to average assets | 0.2736% | 5,399 |
| Noninterest expense to average assets | 2.6348% | 4,335 |
| Loan and lease loss provision to assets | 0.3232% | 1,016 |
| Net operating income to assets | 0.4874% | 4,786 |
| Return on assets (ROA) | 0.4887% | 4,926 |
| Pretax return on assets | 0.8274% | 4,043 |
| Return on Equity (ROE) | 4.1914% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.1914% | 3,190 |
| Net charge-offs to loans | 0.2905% | 2,236 |
| Credit loss provision to net charge-offs | 152.5947% | 1,518 |
| Earnings coverage of net charge-offs (x) | 5.4222% | 3,305 |
| Efficiency ratio | 69.6427% | 3,891 |
| Assets per employee ($millions) | 7.3365% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,203 |
| Loan loss allowance to noncurrent loans | 76.7595% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.4598% | 853 |
| Noncurrent loans to loans | 1.4200% | 2,759 |
| Net loans and leases to total assets | 78.1280% | 810 |
| Net loans and leases to deposits | 90.7454% | 1,180 |
| Net loans and leases to core deposits | 102.3888% | 1,001 |
| Total domestic deposits to total assets | 86.0959% | 3,206 |
| Equity capital to assets | 11.3703% | 2,265 |
| Core capital (leverage) ratio | 6.5164% | 6,596 |
| Tier 1 risk-based capital ratio | 7.3725% | 6,718 |
| Total risk-based capital ratio | 8.4073% | 6,724 |
| Memoranda: | ||
| Average total assets | $336,612,000 | 1,906 |
| Average earning assets | $291,419,800 | 2,032 |
| Average equity | $39,247,400 | 1,782 |
| Average total loans | $245,423,800 | 1,692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 1,395 |
| Cost of funding earning assets | 0.8217% | 1,206 |
| Net interest margin | 3.9578% | 2,083 |
| Noninterest income to average assets | 0.2829% | 5,422 |
| Noninterest expense to average assets | 2.6383% | 4,246 |
| Loan and lease loss provision to assets | 0.3286% | 1,008 |
| Net operating income to assets | 0.4516% | 5,019 |
| Return on assets (ROA) | 0.4516% | 5,155 |
| Pretax return on assets | 0.7285% | 4,584 |
| Return on Equity (ROE) | 3.8481% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.8481% | 3,943 |
| Net charge-offs to loans | 0.4013% | 1,595 |
| Credit loss provision to net charge-offs | 114.8459% | 2,049 |
| Earnings coverage of net charge-offs (x) | 3.6947% | 3,631 |
| Efficiency ratio | 71.3945% | 3,534 |
| Assets per employee ($millions) | 7.2976% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,365 |
| Loan loss allowance to noncurrent loans | 36.0047% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 4.0425% | 764 |
| Noncurrent loans to loans | 3.0274% | 1,322 |
| Net loans and leases to total assets | 73.1006% | 1,428 |
| Net loans and leases to deposits | 83.1832% | 1,980 |
| Net loans and leases to core deposits | 93.2746% | 1,645 |
| Total domestic deposits to total assets | 87.8791% | 2,206 |
| Equity capital to assets | 11.5349% | 2,278 |
| Core capital (leverage) ratio | 6.2208% | 6,694 |
| Tier 1 risk-based capital ratio | 7.5627% | 6,777 |
| Total risk-based capital ratio | 8.5986% | 6,787 |
| Memoranda: | ||
| Average total assets | $332,726,500 | 1,943 |
| Average earning assets | $286,885,500 | 2,080 |
| Average equity | $39,049,000 | 1,804 |
| Average total loans | $237,239,000 | 1,748 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,364 |
| Cost of funding earning assets | 0.8090% | 1,373 |
| Net interest margin | 3.9751% | 1,948 |
| Noninterest income to average assets | 0.3626% | 4,795 |
| Noninterest expense to average assets | 2.6535% | 4,207 |
| Loan and lease loss provision to assets | 0.3735% | 870 |
| Net operating income to assets | 0.4664% | 4,945 |
| Return on assets (ROA) | 0.4664% | 5,121 |
| Pretax return on assets | 0.7525% | 4,498 |
| Return on Equity (ROE) | 3.9509% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.9509% | 3,781 |
| Net charge-offs to loans | 0.6177% | 1,073 |
| Credit loss provision to net charge-offs | 85.8939% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.5894% | 3,656 |
| Efficiency ratio | 70.2073% | 3,791 |
| Assets per employee ($millions) | 7.2561% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,493 |
| Loan loss allowance to noncurrent loans | 31.5361% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 4.1992% | 808 |
| Noncurrent loans to loans | 3.4484% | 1,238 |
| Net loans and leases to total assets | 68.1682% | 2,200 |
| Net loans and leases to deposits | 77.5763% | 2,624 |
| Net loans and leases to core deposits | 86.8824% | 2,243 |
| Total domestic deposits to total assets | 87.8724% | 2,339 |
| Equity capital to assets | 11.5028% | 2,292 |
| Core capital (leverage) ratio | 6.2510% | 6,725 |
| Tier 1 risk-based capital ratio | 7.7801% | 6,808 |
| Total risk-based capital ratio | 8.7929% | 6,821 |
| Memoranda: | ||
| Average total assets | $329,307,000 | 1,973 |
| Average earning assets | $283,061,330 | 2,107 |
| Average equity | $38,877,670 | 1,805 |
| Average total loans | $231,823,000 | 1,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,189 |
| Cost of funding earning assets | 0.7946% | 1,557 |
| Net interest margin | 4.0624% | 1,582 |
| Noninterest income to average assets | 0.0420% | 6,757 |
| Noninterest expense to average assets | 2.7912% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4551% | 4,894 |
| Return on assets (ROA) | 0.4551% | 5,054 |
| Pretax return on assets | 0.7346% | 4,426 |
| Return on Equity (ROE) | 3.8034% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.8034% | 3,954 |
| Net charge-offs to loans | -0.0017% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1652% | 2,449 |
| Assets per employee ($millions) | 6.8977% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 5,311 |
| Loan loss allowance to noncurrent loans | 30.4258% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 4.6753% | 799 |
| Noncurrent loans to loans | 3.8536% | 1,193 |
| Net loans and leases to total assets | 69.1075% | 1,822 |
| Net loans and leases to deposits | 78.9602% | 2,217 |
| Net loans and leases to core deposits | 86.6955% | 2,043 |
| Total domestic deposits to total assets | 87.5219% | 2,620 |
| Equity capital to assets | 12.0281% | 2,020 |
| Core capital (leverage) ratio | 6.2077% | 6,779 |
| Tier 1 risk-based capital ratio | 7.6982% | 6,869 |
| Total risk-based capital ratio | 8.7890% | 6,877 |
| Memoranda: | ||
| Average total assets | $323,441,000 | 2,027 |
| Average earning assets | $277,370,000 | 2,170 |
| Average equity | $38,702,000 | 1,836 |
| Average total loans | $230,216,500 | 1,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 1,768 |
| Cost of funding earning assets | 0.9761% | 1,489 |
| Net interest margin | 3.9459% | 2,622 |
| Noninterest income to average assets | -1.6380% | 7,072 |
| Noninterest expense to average assets | 3.3195% | 2,278 |
| Loan and lease loss provision to assets | 2.1377% | 80 |
| Net operating income to assets | -2.3323% | 6,961 |
| Return on assets (ROA) | -2.3323% | 6,965 |
| Pretax return on assets | -3.7599% | 7,043 |
| Return on Equity (ROE) | -21.2071% | 6,896 |
| Retained earnings to average equity (ytd only) | -21.2071% | 6,867 |
| Net charge-offs to loans | 5.0580% | 33 |
| Credit loss provision to net charge-offs | 61.5539% | 4,402 |
| Earnings coverage of net charge-offs (x) | -0.4671% | 5,665 |
| Efficiency ratio | 195.5654% | 41 |
| Assets per employee ($millions) | 6.7227% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,401 |
| Loan loss allowance to noncurrent loans | 27.7784% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 5.3361% | 711 |
| Noncurrent loans to loans | 4.0923% | 1,133 |
| Net loans and leases to total assets | 71.6096% | 1,549 |
| Net loans and leases to deposits | 81.7098% | 2,045 |
| Net loans and leases to core deposits | 89.5647% | 1,883 |
| Total domestic deposits to total assets | 87.6389% | 2,458 |
| Equity capital to assets | 11.9031% | 2,109 |
| Core capital (leverage) ratio | 5.6687% | 6,885 |
| Tier 1 risk-based capital ratio | 7.0562% | 6,954 |
| Total risk-based capital ratio | 8.1190% | 6,963 |
| Memoranda: | ||
| Average total assets | $345,412,200 | 1,874 |
| Average earning assets | $291,972,800 | 2,026 |
| Average equity | $37,987,200 | 1,828 |
| Average total loans | $237,166,600 | 1,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 2,043 |
| Cost of funding earning assets | 1.0069% | 1,517 |
| Net interest margin | 3.8849% | 2,968 |
| Noninterest income to average assets | -1.3375% | 7,161 |
| Noninterest expense to average assets | 2.7084% | 4,332 |
| Loan and lease loss provision to assets | 0.6076% | 899 |
| Net operating income to assets | -0.8552% | 6,820 |
| Return on assets (ROA) | -0.8552% | 6,844 |
| Pretax return on assets | -1.3774% | 6,937 |
| Return on Equity (ROE) | -7.9263% | 6,809 |
| Retained earnings to average equity (ytd only) | -7.9263% | 6,745 |
| Net charge-offs to loans | 3.5430% | 127 |
| Credit loss provision to net charge-offs | 25.2964% | 4,878 |
| Earnings coverage of net charge-offs (x) | -0.3205% | 5,452 |
| Efficiency ratio | 139.7062% | 119 |
| Assets per employee ($millions) | 6.9612% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 5,807 |
| Loan loss allowance to noncurrent loans | 20.3781% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 8.3756% | 354 |
| Noncurrent loans to loans | 5.2935% | 826 |
| Net loans and leases to total assets | 69.8192% | 1,945 |
| Net loans and leases to deposits | 78.7900% | 2,558 |
| Net loans and leases to core deposits | 87.0596% | 2,338 |
| Total domestic deposits to total assets | 88.6142% | 1,648 |
| Equity capital to assets | 10.8037% | 3,499 |
| Core capital (leverage) ratio | 5.1696% | 7,008 |
| Tier 1 risk-based capital ratio | 6.7136% | 7,064 |
| Total risk-based capital ratio | 7.7109% | 7,074 |
| Memoranda: | ||
| Average total assets | $351,092,750 | 1,865 |
| Average earning assets | $296,078,250 | 2,015 |
| Average equity | $37,881,500 | 1,853 |
| Average total loans | $238,024,750 | 1,739 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 2,631 |
| Cost of funding earning assets | 1.0208% | 1,650 |
| Net interest margin | 3.7511% | 3,586 |
| Noninterest income to average assets | 0.1104% | 6,628 |
| Noninterest expense to average assets | 2.6781% | 4,504 |
| Loan and lease loss provision to assets | 0.0465% | 5,093 |
| Net operating income to assets | 0.3330% | 5,488 |
| Return on assets (ROA) | 0.3330% | 5,710 |
| Pretax return on assets | 0.5399% | 5,336 |
| Return on Equity (ROE) | 3.0877% | 5,660 |
| Retained earnings to average equity (ytd only) | 3.0877% | 4,584 |
| Net charge-offs to loans | 4.4958% | 90 |
| Credit loss provision to net charge-offs | 1.5465% | 4,802 |
| Earnings coverage of net charge-offs (x) | 0.1949% | 4,977 |
| Efficiency ratio | 82.0368% | 1,876 |
| Assets per employee ($millions) | 7.6132% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 6,627 |
| Loan loss allowance to noncurrent loans | 13.3195% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 9.7968% | 272 |
| Noncurrent loans to loans | 6.1805% | 699 |
| Net loans and leases to total assets | 66.8335% | 2,500 |
| Net loans and leases to deposits | 75.0947% | 3,116 |
| Net loans and leases to core deposits | 82.6899% | 2,873 |
| Total domestic deposits to total assets | 88.9990% | 1,505 |
| Equity capital to assets | 10.8557% | 3,285 |
| Core capital (leverage) ratio | 6.6033% | 6,906 |
| Tier 1 risk-based capital ratio | 8.6252% | 7,003 |
| Total risk-based capital ratio | 9.3799% | 7,035 |
| Memoranda: | ||
| Average total assets | $356,745,000 | 1,844 |
| Average earning assets | $299,969,000 | 1,980 |
| Average equity | $38,475,670 | 1,813 |
| Average total loans | $238,754,670 | 1,728 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 3,248 |
| Cost of funding earning assets | 1.0750% | 1,521 |
| Net interest margin | 3.5781% | 4,362 |
| Noninterest income to average assets | 0.1246% | 6,630 |
| Noninterest expense to average assets | 2.7523% | 4,232 |
| Loan and lease loss provision to assets | -0.1033% | 7,182 |
| Net operating income to assets | 0.3088% | 5,634 |
| Return on assets (ROA) | 0.3088% | 5,799 |
| Pretax return on assets | 0.4806% | 5,488 |
| Return on Equity (ROE) | 2.8727% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.8727% | 4,813 |
| Net charge-offs to loans | 9.0366% | 25 |
| Credit loss provision to net charge-offs | -1.7142% | 5,328 |
| Earnings coverage of net charge-offs (x) | 0.0626% | 4,338 |
| Efficiency ratio | 87.9440% | 1,288 |
| Assets per employee ($millions) | 7.8429% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,780 |
| Loan loss allowance to noncurrent loans | 12.7591% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 9.3033% | 358 |
| Noncurrent loans to loans | 6.0723% | 829 |
| Net loans and leases to total assets | 64.2530% | 2,809 |
| Net loans and leases to deposits | 72.0241% | 3,433 |
| Net loans and leases to core deposits | 79.1100% | 3,165 |
| Total domestic deposits to total assets | 89.2104% | 1,551 |
| Equity capital to assets | 10.6524% | 3,320 |
| Core capital (leverage) ratio | 6.3995% | 6,983 |
| Tier 1 risk-based capital ratio | 8.5279% | 7,073 |
| Total risk-based capital ratio | 9.2320% | 7,094 |
| Memoranda: | ||
| Average total assets | $356,206,500 | 1,855 |
| Average earning assets | $299,150,500 | 1,989 |
| Average equity | $38,291,500 | 1,816 |
| Average total loans | $237,567,000 | 1,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 2,192 |
| Cost of funding earning assets | 1.3379% | 1,306 |
| Net interest margin | 3.8307% | 3,670 |
| Noninterest income to average assets | 0.3299% | 5,181 |
| Noninterest expense to average assets | 3.7206% | 1,499 |
| Loan and lease loss provision to assets | 1.6869% | 406 |
| Net operating income to assets | -1.1757% | 6,810 |
| Return on assets (ROA) | -1.1751% | 6,837 |
| Pretax return on assets | -1.8606% | 6,992 |
| Return on Equity (ROE) | -9.8839% | 6,738 |
| Retained earnings to average equity (ytd only) | -9.8839% | 6,701 |
| Net charge-offs to loans | 0.0331% | 5,985 |
| Credit loss provision to net charge-offs | 7,316.0494% | 30 |
| Earnings coverage of net charge-offs (x) | -7.5679% | 6,381 |
| Efficiency ratio | 104.9209% | 541 |
| Assets per employee ($millions) | 7.0328% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0097% | 805 |
| Loan loss allowance to noncurrent loans | 50.1691% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 10.9197% | 273 |
| Noncurrent loans to loans | 5.9992% | 831 |
| Net loans and leases to total assets | 66.6158% | 2,660 |
| Net loans and leases to deposits | 74.9077% | 3,359 |
| Net loans and leases to core deposits | 82.7971% | 3,059 |
| Total domestic deposits to total assets | 88.9304% | 1,591 |
| Equity capital to assets | 10.8498% | 3,138 |
| Core capital (leverage) ratio | 6.2610% | 7,018 |
| Tier 1 risk-based capital ratio | 8.0164% | 7,109 |
| Total risk-based capital ratio | 9.2884% | 7,109 |
| Memoranda: | ||
| Average total assets | $351,285,600 | 1,846 |
| Average earning assets | $294,934,200 | 1,987 |
| Average equity | $41,765,000 | 1,608 |
| Average total loans | $244,709,600 | 1,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2194% | 2,135 |
| Cost of funding earning assets | 1.4077% | 1,202 |
| Net interest margin | 3.8116% | 3,816 |
| Noninterest income to average assets | 0.2635% | 5,734 |
| Noninterest expense to average assets | 2.9988% | 3,557 |
| Loan and lease loss provision to assets | 0.1200% | 4,933 |
| Net operating income to assets | 0.1925% | 5,719 |
| Return on assets (ROA) | 0.1932% | 5,847 |
| Pretax return on assets | 0.3531% | 5,593 |
| Return on Equity (ROE) | 1.5905% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.5905% | 5,345 |
| Net charge-offs to loans | 0.0407% | 5,585 |
| Credit loss provision to net charge-offs | 421.3333% | 671 |
| Earnings coverage of net charge-offs (x) | 16.5729% | 1,394 |
| Efficiency ratio | 86.4034% | 1,491 |
| Assets per employee ($millions) | 7.1015% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 6,964 |
| Loan loss allowance to noncurrent loans | 11.7843% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 11.7960% | 237 |
| Noncurrent loans to loans | 5.9245% | 947 |
| Net loans and leases to total assets | 69.4873% | 2,183 |
| Net loans and leases to deposits | 79.5285% | 2,714 |
| Net loans and leases to core deposits | 87.4489% | 2,567 |
| Total domestic deposits to total assets | 87.3740% | 2,421 |
| Equity capital to assets | 12.4096% | 1,966 |
| Core capital (leverage) ratio | 8.9367% | 5,035 |
| Tier 1 risk-based capital ratio | 10.9571% | 6,567 |
| Total risk-based capital ratio | 11.5833% | 6,833 |
| Memoranda: | ||
| Average total assets | $351,197,250 | 1,852 |
| Average earning assets | $295,508,250 | 1,985 |
| Average equity | $42,668,250 | 1,582 |
| Average total loans | $245,508,000 | 1,718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 2,256 |
| Cost of funding earning assets | 1.4977% | 1,019 |
| Net interest margin | 3.7018% | 4,251 |
| Noninterest income to average assets | 0.2612% | 5,776 |
| Noninterest expense to average assets | 3.0300% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3730% | 5,069 |
| Return on assets (ROA) | 0.3747% | 5,203 |
| Pretax return on assets | 0.3509% | 5,543 |
| Return on Equity (ROE) | 3.1061% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.1061% | 4,297 |
| Net charge-offs to loans | 0.0609% | 5,044 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,099 |
| Efficiency ratio | 89.6673% | 1,265 |
| Assets per employee ($millions) | 7.0074% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 7,167 |
| Loan loss allowance to noncurrent loans | 9.5666% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 12.3272% | 242 |
| Noncurrent loans to loans | 6.0283% | 987 |
| Net loans and leases to total assets | 69.4894% | 2,324 |
| Net loans and leases to deposits | 79.6861% | 2,848 |
| Net loans and leases to core deposits | 85.0173% | 3,072 |
| Total domestic deposits to total assets | 87.2039% | 2,621 |
| Equity capital to assets | 12.6103% | 1,729 |
| Core capital (leverage) ratio | 8.9209% | 4,844 |
| Tier 1 risk-based capital ratio | 10.9483% | 6,574 |
| Total risk-based capital ratio | 11.4552% | 6,899 |
| Memoranda: | ||
| Average total assets | $352,272,000 | 1,863 |
| Average earning assets | $296,720,330 | 1,996 |
| Average equity | $42,497,000 | 1,572 |
| Average total loans | $246,178,330 | 1,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 3,336 |
| Cost of funding earning assets | 1.5087% | 1,129 |
| Net interest margin | 3.4401% | 5,261 |
| Noninterest income to average assets | 0.3117% | 5,436 |
| Noninterest expense to average assets | 2.6900% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3465% | 5,192 |
| Return on assets (ROA) | 0.3465% | 5,272 |
| Pretax return on assets | 0.5517% | 4,856 |
| Return on Equity (ROE) | 2.9361% | 5,406 |
| Retained earnings to average equity (ytd only) | 2.9361% | 4,406 |
| Net charge-offs to loans | 0.0353% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.3636% | 1,053 |
| Efficiency ratio | 82.9817% | 2,081 |
| Assets per employee ($millions) | 7.5420% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 7,225 |
| Loan loss allowance to noncurrent loans | 8.9555% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 10.9461% | 340 |
| Noncurrent loans to loans | 6.4935% | 919 |
| Net loans and leases to total assets | 69.3060% | 2,264 |
| Net loans and leases to deposits | 78.9606% | 2,901 |
| Net loans and leases to core deposits | 84.5378% | 3,096 |
| Total domestic deposits to total assets | 87.7728% | 2,509 |
| Equity capital to assets | 12.0886% | 1,865 |
| Core capital (leverage) ratio | 8.7115% | 5,072 |
| Tier 1 risk-based capital ratio | 10.4772% | 6,820 |
| Total risk-based capital ratio | 10.9783% | 7,094 |
| Memoranda: | ||
| Average total assets | $356,726,500 | 1,845 |
| Average earning assets | $303,830,500 | 1,965 |
| Average equity | $42,096,000 | 1,578 |
| Average total loans | $249,275,000 | 1,734 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3706% | 2,806 |
| Cost of funding earning assets | 2.0156% | 577 |
| Net interest margin | 3.3550% | 5,774 |
| Noninterest income to average assets | 0.8303% | 2,140 |
| Noninterest expense to average assets | 2.6993% | 4,993 |
| Loan and lease loss provision to assets | 0.8436% | 1,943 |
| Net operating income to assets | 0.1288% | 5,515 |
| Return on assets (ROA) | 0.1383% | 5,628 |
| Pretax return on assets | 0.2233% | 5,433 |
| Return on Equity (ROE) | 1.1892% | 5,649 |
| Retained earnings to average equity (ytd only) | 1.1892% | 4,951 |
| Net charge-offs to loans | 1.0092% | 2,177 |
| Credit loss provision to net charge-offs | 115.8770% | 3,719 |
| Earnings coverage of net charge-offs (x) | 1.4451% | 4,673 |
| Efficiency ratio | 71.9552% | 3,805 |
| Assets per employee ($millions) | 7.8039% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 7,304 |
| Loan loss allowance to noncurrent loans | 10.7588% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 10.0312% | 408 |
| Noncurrent loans to loans | 5.2676% | 1,267 |
| Net loans and leases to total assets | 69.6465% | 2,618 |
| Net loans and leases to deposits | 79.4848% | 3,256 |
| Net loans and leases to core deposits | 84.9473% | 3,470 |
| Total domestic deposits to total assets | 87.6224% | 2,467 |
| Equity capital to assets | 11.5162% | 2,247 |
| Core capital (leverage) ratio | 8.0162% | 6,180 |
| Tier 1 risk-based capital ratio | 8.9856% | 7,249 |
| Total risk-based capital ratio | 9.4735% | 7,342 |
| Memoranda: | ||
| Average total assets | $330,493,200 | 1,968 |
| Average earning assets | $287,749,200 | 2,062 |
| Average equity | $38,430,800 | 1,720 |
| Average total loans | $238,397,400 | 1,832 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 2,810 |
| Cost of funding earning assets | 2.1529% | 445 |
| Net interest margin | 3.2628% | 6,132 |
| Noninterest income to average assets | 0.3257% | 5,550 |
| Noninterest expense to average assets | 2.5984% | 5,330 |
| Loan and lease loss provision to assets | 0.1719% | 5,320 |
| Net operating income to assets | 0.4098% | 4,708 |
| Return on assets (ROA) | 0.4300% | 4,806 |
| Pretax return on assets | 0.4300% | 5,142 |
| Return on Equity (ROE) | 3.6884% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.6884% | 3,864 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7062% | 2,093 |
| Assets per employee ($millions) | 7.6115% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 7,359 |
| Loan loss allowance to noncurrent loans | 7.3453% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 10.5178% | 363 |
| Noncurrent loans to loans | 8.0904% | 632 |
| Net loans and leases to total assets | 69.7033% | 2,808 |
| Net loans and leases to deposits | 79.3317% | 3,573 |
| Net loans and leases to core deposits | 84.8063% | 3,836 |
| Total domestic deposits to total assets | 87.8631% | 2,042 |
| Equity capital to assets | 11.9392% | 2,195 |
| Core capital (leverage) ratio | 9.6195% | 3,738 |
| Tier 1 risk-based capital ratio | 11.0301% | 6,348 |
| Total risk-based capital ratio | 13.8904% | 4,846 |
| Memoranda: | ||
| Average total assets | $323,371,500 | 2,038 |
| Average earning assets | $282,895,500 | 2,126 |
| Average equity | $37,703,250 | 1,765 |
| Average total loans | $235,136,250 | 1,880 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 2,536 |
| Cost of funding earning assets | 2.1579% | 537 |
| Net interest margin | 3.3371% | 5,882 |
| Noninterest income to average assets | 0.1482% | 6,834 |
| Noninterest expense to average assets | 2.6592% | 5,083 |
| Loan and lease loss provision to assets | 0.1953% | 4,922 |
| Net operating income to assets | 0.2258% | 5,477 |
| Return on assets (ROA) | 0.2570% | 5,487 |
| Pretax return on assets | 0.2570% | 5,637 |
| Return on Equity (ROE) | 2.2236% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.2236% | 4,737 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3308% | 1,671 |
| Assets per employee ($millions) | 7.7480% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5581% | 7,460 |
| Loan loss allowance to noncurrent loans | 7.3511% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 8.9139% | 503 |
| Noncurrent loans to loans | 7.5920% | 701 |
| Net loans and leases to total assets | 67.4408% | 3,511 |
| Net loans and leases to deposits | 78.9840% | 3,799 |
| Net loans and leases to core deposits | 88.9760% | 3,412 |
| Total domestic deposits to total assets | 85.3853% | 3,426 |
| Equity capital to assets | 11.2646% | 2,621 |
| Core capital (leverage) ratio | 9.5047% | 3,817 |
| Tier 1 risk-based capital ratio | 10.3989% | 6,761 |
| Total risk-based capital ratio | 10.8929% | 7,202 |
| Memoranda: | ||
| Average total assets | $314,451,670 | 2,117 |
| Average earning assets | $276,286,670 | 2,185 |
| Average equity | $36,336,670 | 1,832 |
| Average total loans | $231,677,670 | 1,929 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 1,668 |
| Cost of funding earning assets | 2.2492% | 500 |
| Net interest margin | 3.4804% | 5,237 |
| Noninterest income to average assets | -0.0695% | 7,737 |
| Noninterest expense to average assets | 2.7328% | 4,754 |
| Loan and lease loss provision to assets | 0.2671% | 3,887 |
| Net operating income to assets | -0.0218% | 6,337 |
| Return on assets (ROA) | 0.0041% | 6,385 |
| Pretax return on assets | 0.0041% | 6,345 |
| Return on Equity (ROE) | 0.0349% | 6,394 |
| Retained earnings to average equity (ytd only) | 0.0349% | 5,807 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7620% | 1,297 |
| Assets per employee ($millions) | 7.1857% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 7,569 |
| Loan loss allowance to noncurrent loans | 5.3263% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 11.9294% | 264 |
| Noncurrent loans to loans | 9.8463% | 432 |
| Net loans and leases to total assets | 74.2707% | 1,915 |
| Net loans and leases to deposits | 90.3064% | 1,860 |
| Net loans and leases to core deposits | 97.1965% | 2,431 |
| Total domestic deposits to total assets | 82.2430% | 4,962 |
| Equity capital to assets | 10.8875% | 2,858 |
| Core capital (leverage) ratio | 8.9556% | 4,640 |
| Tier 1 risk-based capital ratio | 9.8239% | 7,135 |
| Total risk-based capital ratio | 10.2988% | 7,474 |
| Memoranda: | ||
| Average total assets | $293,473,000 | 2,287 |
| Average earning assets | $256,982,500 | 2,379 |
| Average equity | $34,431,000 | 1,964 |
| Average total loans | $226,659,500 | 2,017 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0934% | 7,873 |
| Cost of funding earning assets | 1.4311% | 5,801 |
| Net interest margin | 1.6623% | 7,841 |
| Noninterest income to average assets | 0.0544% | 7,487 |
| Noninterest expense to average assets | 1.8700% | 7,545 |
| Loan and lease loss provision to assets | 0.5156% | 3,796 |
| Net operating income to assets | -0.1361% | 5,735 |
| Return on assets (ROA) | -0.1361% | 5,733 |
| Pretax return on assets | -0.8259% | 6,286 |
| Return on Equity (ROE) | -1.1094% | 5,707 |
| Retained earnings to average equity (ytd only) | -1.1094% | 5,288 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8921% | 609 |
| Assets per employee ($millions) | 6.4471% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4796% | 7,684 |
| Loan loss allowance to noncurrent loans | 3.1700% | 7,432 |
| Noncurrent assets plus other real estate owned to assets | 16.0966% | 114 |
| Noncurrent loans to loans | 15.1298% | 169 |
| Net loans and leases to total assets | 79.8509% | 1,022 |
| Net loans and leases to deposits | 96.2886% | 1,299 |
| Net loans and leases to core deposits | 155.8845% | 395 |
| Total domestic deposits to total assets | 82.9288% | 4,553 |
| Equity capital to assets | 12.7186% | 1,634 |
| Core capital (leverage) ratio | 9.9641% | 3,130 |
| Tier 1 risk-based capital ratio | 10.3191% | 6,568 |
| Total risk-based capital ratio | 10.7613% | 7,193 |
| Memoranda: | ||
| Average total assets | $202,083,200 | 3,159 |
| Average earning assets | $183,000,000 | 3,179 |
| Average equity | $24,787,800 | 2,632 |
| Average total loans | $158,491,000 | 2,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7156% | 8,041 |
| Cost of funding earning assets | 1.0427% | 7,295 |
| Net interest margin | 0.6729% | 8,045 |
| Noninterest income to average assets | 0.0029% | 7,824 |
| Noninterest expense to average assets | 1.0506% | 8,024 |
| Loan and lease loss provision to assets | 0.5177% | 3,316 |
| Net operating income to assets | -0.9540% | 6,798 |
| Return on assets (ROA) | -0.9540% | 6,805 |
| Pretax return on assets | -0.9540% | 6,647 |
| Return on Equity (ROE) | -7.8836% | 6,717 |
| Retained earnings to average equity (ytd only) | -7.8836% | 6,587 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.0094% | 229 |
| Assets per employee ($millions) | 5.6349% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3893% | 7,830 |
| Loan loss allowance to noncurrent loans | 4.2553% | 7,511 |
| Noncurrent assets plus other real estate owned to assets | 10.2030% | 330 |
| Noncurrent loans to loans | 9.1483% | 484 |
| Net loans and leases to total assets | 77.6284% | 1,650 |
| Net loans and leases to deposits | 90.0928% | 2,562 |
| Net loans and leases to core deposits | 146.3170% | 677 |
| Total domestic deposits to total assets | 86.1649% | 2,608 |
| Equity capital to assets | 13.2410% | 1,604 |
| Core capital (leverage) ratio | 13.5760% | 1,213 |
| Tier 1 risk-based capital ratio | 13.8208% | 3,655 |
| Total risk-based capital ratio | 14.1701% | 4,183 |
| Memoranda: | ||
| Average total assets | $184,909,750 | 3,388 |
| Average earning assets | $168,021,500 | 3,404 |
| Average equity | $22,375,000 | 2,925 |
| Average total loans | $143,798,750 | 3,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,193 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.0000% | 8,180 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.0000% | 8,193 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | 0.0000% | 5,869 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 4.7026% | 2,463 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 9.5096% | 333 |
| Noncurrent loans to loans | 8.1119% | 542 |
| Net loans and leases to total assets | 70.4509% | 3,594 |
| Net loans and leases to deposits | 87.3659% | 3,290 |
| Net loans and leases to core deposits | 149.9955% | 653 |
| Total domestic deposits to total assets | 80.6389% | 5,213 |
| Equity capital to assets | 15.8806% | 850 |
| Core capital (leverage) ratio | 15.4335% | 837 |
| Tier 1 risk-based capital ratio | 16.5951% | 2,423 |
| Total risk-based capital ratio | 16.5951% | 2,805 |
| Memoranda: | ||
| Average total assets | $167,657,670 | 3,682 |
| Average earning assets | $151,919,000 | 3,710 |
| Average equity | $19,387,670 | 3,339 |
| Average total loans | $130,252,330 | 3,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 7,593 |
| Cost of funding earning assets | 3.3015% | 270 |
| Net interest margin | 1.3244% | 8,104 |
| Noninterest income to average assets | 0.0178% | 7,987 |
| Noninterest expense to average assets | 2.7364% | 4,844 |
| Loan and lease loss provision to assets | 0.3811% | 3,035 |
| Net operating income to assets | -1.8674% | 7,620 |
| Return on assets (ROA) | -1.8674% | 7,622 |
| Pretax return on assets | -1.8674% | 7,493 |
| Return on Equity (ROE) | -20.7840% | 7,770 |
| Retained earnings to average equity (ytd only) | -20.7840% | 7,667 |
| Net charge-offs to loans | 4.2287% | 282 |
| Credit loss provision to net charge-offs | 10.9890% | 5,185 |
| Earnings coverage of net charge-offs (x) | -0.4286% | 5,226 |
| Efficiency ratio | 218.9024% | 159 |
| Assets per employee ($millions) | 9.2952% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,190 |
| Loan loss allowance to noncurrent loans | 23.8833% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 9.7046% | 243 |
| Noncurrent loans to loans | 7.0578% | 567 |
| Net loans and leases to total assets | 81.3129% | 1,135 |
| Net loans and leases to deposits | 92.6194% | 2,494 |
| Net loans and leases to core deposits | 182.3651% | 219 |
| Total domestic deposits to total assets | 87.7925% | 1,847 |
| Equity capital to assets | 8.7452% | 5,699 |
| Core capital (leverage) ratio | 8.4540% | 5,623 |
| Tier 1 risk-based capital ratio | 9.4610% | 7,454 |
| Total risk-based capital ratio | 10.7211% | 7,400 |
| Memoranda: | ||
| Average total assets | $157,434,500 | 3,872 |
| Average earning assets | $146,481,000 | 3,821 |
| Average equity | $14,145,500 | 4,306 |
| Average total loans | $129,118,000 | 3,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7345% | 6,664 |
| Cost of funding earning assets | 3.5708% | 430 |
| Net interest margin | 2.1637% | 7,979 |
| Noninterest income to average assets | 0.0200% | 8,030 |
| Noninterest expense to average assets | 3.4032% | 2,674 |
| Loan and lease loss provision to assets | 5.5409% | 79 |
| Net operating income to assets | -6.8649% | 8,191 |
| Return on assets (ROA) | -6.8649% | 8,187 |
| Pretax return on assets | -6.8649% | 8,157 |
| Return on Equity (ROE) | -44.5288% | 8,112 |
| Retained earnings to average equity (ytd only) | -44.5288% | 8,087 |
| Net charge-offs to loans | 4.0343% | 160 |
| Credit loss provision to net charge-offs | 164.9499% | 3,122 |
| Earnings coverage of net charge-offs (x) | -0.3941% | 6,455 |
| Efficiency ratio | 163.6749% | 301 |
| Assets per employee ($millions) | 8.7139% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6799% | 571 |
| Loan loss allowance to noncurrent loans | 54.7230% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 6.7357% | 404 |
| Noncurrent loans to loans | 4.8971% | 915 |
| Net loans and leases to total assets | 79.1363% | 1,850 |
| Net loans and leases to deposits | 93.3257% | 2,894 |
| Net loans and leases to core deposits | 172.6970% | 363 |
| Total domestic deposits to total assets | 84.7958% | 2,935 |
| Equity capital to assets | 9.2266% | 5,038 |
| Core capital (leverage) ratio | 9.3953% | 4,164 |
| Tier 1 risk-based capital ratio | 10.0825% | 6,642 |
| Total risk-based capital ratio | 11.2130% | 6,668 |
| Memoranda: | ||
| Average total assets | $124,852,600 | 4,397 |
| Average earning assets | $118,824,400 | 4,292 |
| Average equity | $19,248,200 | 3,352 |
| Average total loans | $103,959,400 | 3,849 |