Home > Transportation Alliance Bank, Inc. d/b/a TAB Bank > Performance and Condition Ratios
Transportation Alliance Bank, Inc. d/b/a TAB 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 | 12.1626% | 63 |
| Cost of funding earning assets | 2.9056% | 171 |
| Net interest margin | 9.2570% | 27 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 5.8494% | 179 |
| Loan and lease loss provision to assets | 2.4100% | 21 |
| Net operating income to assets | 1.2620% | 1,518 |
| Return on assets (ROA) | 1.2604% | 1,489 |
| Pretax return on assets | 1.6291% | 1,181 |
| Return on Equity (ROE) | 11.4500% | 2,108 |
| Retained earnings to average equity (ytd only) | 11.4487% | 709 |
| Net charge-offs to loans | 2.2052% | 41 |
| Credit loss provision to net charge-offs | 137.4025% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.3191% | 2,701 |
| Efficiency ratio | 57.8324% | 3,312 |
| Assets per employee ($millions) | 4.1133% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6907% | 158 |
| Loan loss allowance to noncurrent loans | 183.0414% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5827% | 228 |
| Noncurrent loans to loans | 1.4700% | 471 |
| Net loans and leases to total assets | 76.5300% | 1,045 |
| Net loans and leases to deposits | 92.0135% | 1,095 |
| Net loans and leases to core deposits | 176.6725% | 107 |
| Total domestic deposits to total assets | 83.1700% | 2,846 |
| Equity capital to assets | 10.0936% | 1,956 |
| Core capital (leverage) ratio | 11.3583% | 1,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0133% | 2,582 |
| Memoranda: | ||
| Average total assets | $1,287,596,000 | 809 |
| Average earning assets | $1,181,216,600 | 806 |
| Average equity | $141,753,600 | 704 |
| Average total loans | $1,017,476,200 | 713 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0420% | 60 |
| Cost of funding earning assets | 2.5920% | 242 |
| Net interest margin | 9.4500% | 25 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 6.0444% | 177 |
| Loan and lease loss provision to assets | 2.1700% | 30 |
| Net operating income to assets | 1.5541% | 1,013 |
| Return on assets (ROA) | 1.5519% | 1,009 |
| Pretax return on assets | 2.0565% | 704 |
| Return on Equity (ROE) | 13.7600% | 1,716 |
| Retained earnings to average equity (ytd only) | 13.7562% | 705 |
| Net charge-offs to loans | 2.2134% | 36 |
| Credit loss provision to net charge-offs | 122.9778% | 1,462 |
| Earnings coverage of net charge-offs (x) | 2.4157% | 2,483 |
| Efficiency ratio | 57.8052% | 3,226 |
| Assets per employee ($millions) | 3.8905% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3916% | 235 |
| Loan loss allowance to noncurrent loans | 139.5927% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 286 |
| Noncurrent loans to loans | 1.7133% | 392 |
| Net loans and leases to total assets | 79.4900% | 707 |
| Net loans and leases to deposits | 98.0682% | 613 |
| Net loans and leases to core deposits | 192.9815% | 47 |
| Total domestic deposits to total assets | 81.0600% | 3,372 |
| Equity capital to assets | 10.6373% | 1,493 |
| Core capital (leverage) ratio | 12.4522% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,240,322,250 | 837 |
| Average earning assets | $1,138,172,250 | 832 |
| Average equity | $139,929,000 | 707 |
| Average total loans | $981,520,000 | 739 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7969% | 59 |
| Cost of funding earning assets | 2.2772% | 292 |
| Net interest margin | 9.5197% | 28 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 6.1411% | 168 |
| Loan and lease loss provision to assets | 2.1900% | 25 |
| Net operating income to assets | 1.5215% | 1,066 |
| Return on assets (ROA) | 1.5215% | 1,061 |
| Pretax return on assets | 2.0100% | 731 |
| Return on Equity (ROE) | 13.2000% | 1,860 |
| Retained earnings to average equity (ytd only) | 13.1999% | 778 |
| Net charge-offs to loans | 2.1307% | 45 |
| Credit loss provision to net charge-offs | 130.4813% | 1,286 |
| Earnings coverage of net charge-offs (x) | 2.5179% | 2,310 |
| Efficiency ratio | 58.0482% | 3,186 |
| Assets per employee ($millions) | 3.5475% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6181% | 190 |
| Loan loss allowance to noncurrent loans | 126.0512% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 203 |
| Noncurrent loans to loans | 2.0770% | 257 |
| Net loans and leases to total assets | 77.3700% | 903 |
| Net loans and leases to deposits | 95.9099% | 736 |
| Net loans and leases to core deposits | 177.7083% | 61 |
| Total domestic deposits to total assets | 80.6700% | 3,477 |
| Equity capital to assets | 11.3527% | 1,245 |
| Core capital (leverage) ratio | 12.0106% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,198,578,667 | 852 |
| Average earning assets | $1,098,188,667 | 846 |
| Average equity | $138,152,667 | 710 |
| Average total loans | $937,985,000 | 756 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5383% | 18 |
| Cost of funding earning assets | 1.8650% | 393 |
| Net interest margin | 9.6734% | 22 |
| Noninterest income to average assets | 1.7300% | 283 |
| Noninterest expense to average assets | 6.2307% | 172 |
| Loan and lease loss provision to assets | 2.2200% | 24 |
| Net operating income to assets | 1.6141% | 955 |
| Return on assets (ROA) | 1.6262% | 937 |
| Pretax return on assets | 2.1486% | 617 |
| Return on Equity (ROE) | 14.0000% | 1,771 |
| Retained earnings to average equity (ytd only) | 13.9965% | 940 |
| Net charge-offs to loans | 1.9370% | 43 |
| Credit loss provision to net charge-offs | 148.7098% | 952 |
| Earnings coverage of net charge-offs (x) | 2.8934% | 1,911 |
| Efficiency ratio | 57.5426% | 3,240 |
| Assets per employee ($millions) | 3.3427% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6974% | 179 |
| Loan loss allowance to noncurrent loans | 158.2822% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 264 |
| Noncurrent loans to loans | 1.7041% | 365 |
| Net loans and leases to total assets | 76.4500% | 935 |
| Net loans and leases to deposits | 97.4129% | 572 |
| Net loans and leases to core deposits | 174.1073% | 63 |
| Total domestic deposits to total assets | 78.4800% | 3,942 |
| Equity capital to assets | 11.6222% | 1,118 |
| Core capital (leverage) ratio | 12.2801% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,175,277,000 | 878 |
| Average earning assets | $1,075,199,500 | 875 |
| Average equity | $136,548,000 | 723 |
| Average total loans | $912,331,000 | 785 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0149% | 18 |
| Cost of funding earning assets | 0.8846% | 264 |
| Net interest margin | 9.1303% | 19 |
| Noninterest income to average assets | 1.6600% | 307 |
| Noninterest expense to average assets | 6.1082% | 158 |
| Loan and lease loss provision to assets | 1.2800% | 34 |
| Net operating income to assets | 1.9875% | 303 |
| Return on assets (ROA) | 1.9624% | 309 |
| Pretax return on assets | 2.6485% | 172 |
| Return on Equity (ROE) | 17.8900% | 720 |
| Retained earnings to average equity (ytd only) | 15.5849% | 248 |
| Net charge-offs to loans | 1.1401% | 60 |
| Credit loss provision to net charge-offs | 140.3114% | 1,343 |
| Earnings coverage of net charge-offs (x) | 4.3365% | 2,423 |
| Efficiency ratio | 59.1541% | 3,167 |
| Assets per employee ($millions) | 3.4839% | 4,439 |
| Cash dividends to net income (ytd only)* | 12.8700% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 422 |
| Loan loss allowance to noncurrent loans | 130.3745% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1838% | 324 |
| Noncurrent loans to loans | 1.5438% | 418 |
| Net loans and leases to total assets | 75.1300% | 1,116 |
| Net loans and leases to deposits | 91.4990% | 948 |
| Net loans and leases to core deposits | 160.0373% | 71 |
| Total domestic deposits to total assets | 82.1100% | 3,608 |
| Equity capital to assets | 11.6145% | 1,046 |
| Core capital (leverage) ratio | 11.8004% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,187,804,200 | 863 |
| Average earning assets | $1,094,289,000 | 856 |
| Average equity | $130,318,400 | 749 |
| Average total loans | $951,968,600 | 717 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5482% | 20 |
| Cost of funding earning assets | 0.6367% | 359 |
| Net interest margin | 8.9115% | 20 |
| Noninterest income to average assets | 1.6200% | 334 |
| Noninterest expense to average assets | 6.0095% | 166 |
| Loan and lease loss provision to assets | 1.0400% | 40 |
| Net operating income to assets | 2.0914% | 251 |
| Return on assets (ROA) | 2.0574% | 268 |
| Pretax return on assets | 2.7500% | 167 |
| Return on Equity (ROE) | 19.0300% | 524 |
| Retained earnings to average equity (ytd only) | 19.0259% | 129 |
| Net charge-offs to loans | 0.7981% | 66 |
| Credit loss provision to net charge-offs | 161.0208% | 1,093 |
| Earnings coverage of net charge-offs (x) | 5.9308% | 2,129 |
| Efficiency ratio | 59.5107% | 3,180 |
| Assets per employee ($millions) | 3.6107% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 732 |
| Loan loss allowance to noncurrent loans | 238.2072% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 884 |
| Noncurrent loans to loans | 0.7544% | 1,075 |
| Net loans and leases to total assets | 78.5000% | 665 |
| Net loans and leases to deposits | 99.3036% | 392 |
| Net loans and leases to core deposits | 138.3815% | 105 |
| Total domestic deposits to total assets | 79.0500% | 4,176 |
| Equity capital to assets | 11.2077% | 1,095 |
| Core capital (leverage) ratio | 11.9190% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,192,109,000 | 865 |
| Average earning assets | $1,099,809,250 | 860 |
| Average equity | $128,908,500 | 770 |
| Average total loans | $965,568,250 | 700 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1854% | 21 |
| Cost of funding earning assets | 0.4960% | 529 |
| Net interest margin | 8.6894% | 21 |
| Noninterest income to average assets | 1.5899% | 310 |
| Noninterest expense to average assets | 5.9072% | 131 |
| Loan and lease loss provision to assets | 0.8214% | 58 |
| Net operating income to assets | 2.1495% | 177 |
| Return on assets (ROA) | 2.1155% | 180 |
| Pretax return on assets | 2.8389% | 118 |
| Return on Equity (ROE) | 19.8058% | 320 |
| Retained earnings to average equity (ytd only) | 19.8058% | 79 |
| Net charge-offs to loans | 0.6930% | 88 |
| Credit loss provision to net charge-offs | 145.7066% | 1,104 |
| Earnings coverage of net charge-offs (x) | 6.5692% | 1,890 |
| Efficiency ratio | 59.8849% | 3,311 |
| Assets per employee ($millions) | 3.5728% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,192 |
| Loan loss allowance to noncurrent loans | 394.1496% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 1,700 |
| Noncurrent loans to loans | 0.4014% | 1,928 |
| Net loans and leases to total assets | 79.6146% | 436 |
| Net loans and leases to deposits | 97.4279% | 370 |
| Net loans and leases to core deposits | 163.2017% | 37 |
| Total domestic deposits to total assets | 81.7164% | 4,046 |
| Equity capital to assets | 11.0487% | 1,187 |
| Core capital (leverage) ratio | 11.4400% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,189,895,333 | 858 |
| Average earning assets | $1,098,332,333 | 861 |
| Average equity | $127,094,000 | 790 |
| Average total loans | $968,022,333 | 688 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8914% | 21 |
| Cost of funding earning assets | 0.4088% | 825 |
| Net interest margin | 8.4827% | 22 |
| Noninterest income to average assets | 1.4619% | 366 |
| Noninterest expense to average assets | 5.6929% | 137 |
| Loan and lease loss provision to assets | 0.6340% | 67 |
| Net operating income to assets | 2.1952% | 164 |
| Return on assets (ROA) | 2.1553% | 169 |
| Pretax return on assets | 2.9248% | 112 |
| Return on Equity (ROE) | 20.5321% | 214 |
| Retained earnings to average equity (ytd only) | 20.5321% | 88 |
| Net charge-offs to loans | 0.6366% | 107 |
| Credit loss provision to net charge-offs | 122.0712% | 927 |
| Earnings coverage of net charge-offs (x) | 6.9495% | 1,553 |
| Efficiency ratio | 59.5671% | 3,529 |
| Assets per employee ($millions) | 3.7809% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,785 |
| Loan loss allowance to noncurrent loans | 504.8201% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,241 |
| Noncurrent loans to loans | 0.2840% | 2,455 |
| Net loans and leases to total assets | 81.2662% | 190 |
| Net loans and leases to deposits | 100.8317% | 157 |
| Net loans and leases to core deposits | 164.4671% | 33 |
| Total domestic deposits to total assets | 80.5959% | 4,240 |
| Equity capital to assets | 10.6967% | 1,490 |
| Core capital (leverage) ratio | 11.1120% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,189,978,500 | 865 |
| Average earning assets | $1,099,844,000 | 867 |
| Average equity | $124,916,500 | 826 |
| Average total loans | $970,821,500 | 683 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7782% | 21 |
| Cost of funding earning assets | 0.4845% | 990 |
| Net interest margin | 8.2937% | 21 |
| Noninterest income to average assets | 1.3047% | 630 |
| Noninterest expense to average assets | 5.1301% | 172 |
| Loan and lease loss provision to assets | 0.5799% | 89 |
| Net operating income to assets | 2.4739% | 164 |
| Return on assets (ROA) | 2.4765% | 169 |
| Pretax return on assets | 3.2781% | 113 |
| Return on Equity (ROE) | 25.4418% | 115 |
| Retained earnings to average equity (ytd only) | 16.8066% | 133 |
| Net charge-offs to loans | 0.6674% | 119 |
| Credit loss provision to net charge-offs | 105.8616% | 1,740 |
| Earnings coverage of net charge-offs (x) | 7.0367% | 2,369 |
| Efficiency ratio | 55.4327% | 3,768 |
| Assets per employee ($millions) | 3.9235% | 4,451 |
| Cash dividends to net income (ytd only)* | 33.9409% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,833 |
| Loan loss allowance to noncurrent loans | 498.0720% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,406 |
| Noncurrent loans to loans | 0.2855% | 2,576 |
| Net loans and leases to total assets | 79.5740% | 286 |
| Net loans and leases to deposits | 103.2886% | 137 |
| Net loans and leases to core deposits | 163.3688% | 38 |
| Total domestic deposits to total assets | 77.0404% | 4,462 |
| Equity capital to assets | 10.2989% | 2,373 |
| Core capital (leverage) ratio | 10.9598% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,189,694,000 | 832 |
| Average earning assets | $1,101,651,200 | 832 |
| Average equity | $115,805,400 | 901 |
| Average total loans | $976,407,200 | 672 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6384% | 22 |
| Cost of funding earning assets | 0.5084% | 1,008 |
| Net interest margin | 8.1300% | 21 |
| Noninterest income to average assets | 1.2464% | 743 |
| Noninterest expense to average assets | 4.9577% | 178 |
| Loan and lease loss provision to assets | 0.5248% | 100 |
| Net operating income to assets | 2.4312% | 233 |
| Return on assets (ROA) | 2.4374% | 239 |
| Pretax return on assets | 3.2997% | 136 |
| Return on Equity (ROE) | 25.4101% | 165 |
| Retained earnings to average equity (ytd only) | 25.4101% | 51 |
| Net charge-offs to loans | 0.6779% | 116 |
| Credit loss provision to net charge-offs | 93.9181% | 1,638 |
| Earnings coverage of net charge-offs (x) | 6.8312% | 2,161 |
| Efficiency ratio | 54.8056% | 3,693 |
| Assets per employee ($millions) | 4.2018% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,592 |
| Loan loss allowance to noncurrent loans | 363.8601% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 2,320 |
| Noncurrent loans to loans | 0.3516% | 2,518 |
| Net loans and leases to total assets | 81.5443% | 214 |
| Net loans and leases to deposits | 115.7186% | 57 |
| Net loans and leases to core deposits | 180.9639% | 37 |
| Total domestic deposits to total assets | 70.4677% | 4,721 |
| Equity capital to assets | 10.1771% | 2,732 |
| Core capital (leverage) ratio | 11.6575% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,188,929,000 | 847 |
| Average earning assets | $1,100,882,000 | 843 |
| Average equity | $114,046,500 | 921 |
| Average total loans | $979,805,500 | 685 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0240% | 25 |
| Cost of funding earning assets | 0.5377% | 999 |
| Net interest margin | 7.4863% | 25 |
| Noninterest income to average assets | 1.2100% | 792 |
| Noninterest expense to average assets | 4.8627% | 183 |
| Loan and lease loss provision to assets | 0.5143% | 103 |
| Net operating income to assets | 2.0796% | 419 |
| Return on assets (ROA) | 2.0733% | 447 |
| Pretax return on assets | 2.7508% | 245 |
| Return on Equity (ROE) | 22.0839% | 307 |
| Retained earnings to average equity (ytd only) | 22.0839% | 108 |
| Net charge-offs to loans | 0.8894% | 91 |
| Credit loss provision to net charge-offs | 70.2232% | 1,523 |
| Earnings coverage of net charge-offs (x) | 4.4693% | 2,030 |
| Efficiency ratio | 57.8549% | 3,305 |
| Assets per employee ($millions) | 4.5423% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,521 |
| Loan loss allowance to noncurrent loans | 299.6264% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 2,411 |
| Noncurrent loans to loans | 0.3590% | 2,613 |
| Net loans and leases to total assets | 83.1282% | 164 |
| Net loans and leases to deposits | 131.2079% | 32 |
| Net loans and leases to core deposits | 202.2766% | 35 |
| Total domestic deposits to total assets | 63.3561% | 4,847 |
| Equity capital to assets | 8.7506% | 4,012 |
| Core capital (leverage) ratio | 11.0290% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,174,861,667 | 845 |
| Average earning assets | $1,086,889,333 | 845 |
| Average equity | $110,297,667 | 942 |
| Average total loans | $967,432,333 | 695 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1982% | 27 |
| Cost of funding earning assets | 0.6157% | 819 |
| Net interest margin | 7.5825% | 25 |
| Noninterest income to average assets | 1.2957% | 757 |
| Noninterest expense to average assets | 4.9914% | 176 |
| Loan and lease loss provision to assets | 0.6900% | 79 |
| Net operating income to assets | 1.9508% | 608 |
| Return on assets (ROA) | 1.9350% | 672 |
| Pretax return on assets | 2.5553% | 393 |
| Return on Equity (ROE) | 19.7955% | 548 |
| Retained earnings to average equity (ytd only) | 19.7955% | 278 |
| Net charge-offs to loans | 1.5561% | 47 |
| Credit loss provision to net charge-offs | 54.5245% | 1,299 |
| Earnings coverage of net charge-offs (x) | 2.5804% | 1,802 |
| Efficiency ratio | 58.4338% | 3,246 |
| Assets per employee ($millions) | 4.3452% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,233 |
| Loan loss allowance to noncurrent loans | 298.0691% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 2,548 |
| Noncurrent loans to loans | 0.3832% | 2,720 |
| Net loans and leases to total assets | 82.2783% | 216 |
| Net loans and leases to deposits | 126.6782% | 46 |
| Net loans and leases to core deposits | 186.7577% | 44 |
| Total domestic deposits to total assets | 64.9506% | 4,851 |
| Equity capital to assets | 8.8921% | 3,793 |
| Core capital (leverage) ratio | 11.4660% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,096,850,500 | 889 |
| Average earning assets | $1,006,948,000 | 891 |
| Average equity | $107,216,500 | 953 |
| Average total loans | $891,963,500 | 741 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1266% | 21 |
| Cost of funding earning assets | 1.3579% | 146 |
| Net interest margin | 7.7687% | 21 |
| Noninterest income to average assets | 1.0986% | 883 |
| Noninterest expense to average assets | 5.6063% | 149 |
| Loan and lease loss provision to assets | 1.6445% | 39 |
| Net operating income to assets | 0.7612% | 3,236 |
| Return on assets (ROA) | 0.8125% | 3,164 |
| Pretax return on assets | 1.0333% | 2,933 |
| Return on Equity (ROE) | 7.0519% | 3,193 |
| Retained earnings to average equity (ytd only) | 1.2992% | 4,106 |
| Net charge-offs to loans | 2.1386% | 42 |
| Credit loss provision to net charge-offs | 97.7928% | 2,867 |
| Earnings coverage of net charge-offs (x) | 1.5538% | 3,244 |
| Efficiency ratio | 65.7469% | 2,570 |
| Assets per employee ($millions) | 3.5809% | 4,620 |
| Cash dividends to net income (ytd only)* | 81.5772% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 935 |
| Loan loss allowance to noncurrent loans | 203.7661% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 1,532 |
| Noncurrent loans to loans | 0.8630% | 1,635 |
| Net loans and leases to total assets | 77.4793% | 650 |
| Net loans and leases to deposits | 109.2227% | 174 |
| Net loans and leases to core deposits | 138.4996% | 129 |
| Total domestic deposits to total assets | 70.9370% | 4,755 |
| Equity capital to assets | 10.9102% | 2,332 |
| Core capital (leverage) ratio | 11.9376% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $905,261,800 | 963 |
| Average earning assets | $829,743,800 | 973 |
| Average equity | $104,298,000 | 930 |
| Average total loans | $711,819,800 | 861 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0568% | 22 |
| Cost of funding earning assets | 1.5179% | 114 |
| Net interest margin | 7.5389% | 24 |
| Noninterest income to average assets | 1.1210% | 832 |
| Noninterest expense to average assets | 5.5773% | 149 |
| Loan and lease loss provision to assets | 1.7570% | 44 |
| Net operating income to assets | 0.5599% | 3,883 |
| Return on assets (ROA) | 0.6304% | 3,782 |
| Pretax return on assets | 0.8004% | 3,642 |
| Return on Equity (ROE) | 5.3948% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.3948% | 2,380 |
| Net charge-offs to loans | 2.3404% | 42 |
| Credit loss provision to net charge-offs | 95.5518% | 2,667 |
| Earnings coverage of net charge-offs (x) | 1.3423% | 3,078 |
| Efficiency ratio | 66.7707% | 2,352 |
| Assets per employee ($millions) | 3.4723% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 935 |
| Loan loss allowance to noncurrent loans | 188.7064% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 1,612 |
| Noncurrent loans to loans | 0.8875% | 1,688 |
| Net loans and leases to total assets | 80.2556% | 592 |
| Net loans and leases to deposits | 116.8365% | 139 |
| Net loans and leases to core deposits | 149.2315% | 121 |
| Total domestic deposits to total assets | 68.6905% | 4,796 |
| Equity capital to assets | 11.2054% | 2,224 |
| Core capital (leverage) ratio | 12.7848% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $891,658,750 | 958 |
| Average earning assets | $818,985,000 | 973 |
| Average equity | $104,197,000 | 926 |
| Average total loans | $700,560,000 | 863 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2458% | 24 |
| Cost of funding earning assets | 1.7848% | 51 |
| Net interest margin | 7.4610% | 26 |
| Noninterest income to average assets | 1.0607% | 885 |
| Noninterest expense to average assets | 5.6920% | 146 |
| Loan and lease loss provision to assets | 2.1235% | 51 |
| Net operating income to assets | 0.0734% | 4,713 |
| Return on assets (ROA) | 0.2068% | 4,608 |
| Pretax return on assets | 0.2139% | 4,621 |
| Return on Equity (ROE) | 1.7434% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.7434% | 3,856 |
| Net charge-offs to loans | 2.7089% | 42 |
| Credit loss provision to net charge-offs | 101.2171% | 2,386 |
| Earnings coverage of net charge-offs (x) | 1.0486% | 2,887 |
| Efficiency ratio | 69.4377% | 2,026 |
| Assets per employee ($millions) | 3.1626% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 575 |
| Loan loss allowance to noncurrent loans | 129.0283% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 926 |
| Noncurrent loans to loans | 1.4425% | 1,062 |
| Net loans and leases to total assets | 80.4763% | 544 |
| Net loans and leases to deposits | 106.7915% | 299 |
| Net loans and leases to core deposits | 138.9332% | 178 |
| Total domestic deposits to total assets | 75.3584% | 4,488 |
| Equity capital to assets | 11.5178% | 1,959 |
| Core capital (leverage) ratio | 10.8176% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $869,425,667 | 966 |
| Average earning assets | $796,035,000 | 973 |
| Average equity | $103,133,333 | 927 |
| Average total loans | $673,334,667 | 879 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2834% | 28 |
| Cost of funding earning assets | 1.9891% | 34 |
| Net interest margin | 7.2943% | 35 |
| Noninterest income to average assets | 1.1857% | 619 |
| Noninterest expense to average assets | 5.6569% | 169 |
| Loan and lease loss provision to assets | 2.7286% | 37 |
| Net operating income to assets | -0.2470% | 4,868 |
| Return on assets (ROA) | -0.1729% | 4,815 |
| Pretax return on assets | -0.3412% | 4,851 |
| Return on Equity (ROE) | -1.4359% | 4,819 |
| Retained earnings to average equity (ytd only) | -1.4359% | 4,194 |
| Net charge-offs to loans | 3.1897% | 42 |
| Credit loss provision to net charge-offs | 114.0004% | 1,733 |
| Earnings coverage of net charge-offs (x) | 0.9583% | 2,429 |
| Efficiency ratio | 68.3270% | 2,612 |
| Assets per employee ($millions) | 3.3081% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 369 |
| Loan loss allowance to noncurrent loans | 128.5996% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 942 |
| Noncurrent loans to loans | 1.7170% | 882 |
| Net loans and leases to total assets | 72.2843% | 1,874 |
| Net loans and leases to deposits | 87.7153% | 1,777 |
| Net loans and leases to core deposits | 118.6333% | 510 |
| Total domestic deposits to total assets | 82.4080% | 3,293 |
| Equity capital to assets | 11.6759% | 2,303 |
| Core capital (leverage) ratio | 11.1951% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $853,470,500 | 956 |
| Average earning assets | $791,522,000 | 952 |
| Average equity | $102,793,000 | 929 |
| Average total loans | $640,442,500 | 889 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6273% | 26 |
| Cost of funding earning assets | 2.0686% | 44 |
| Net interest margin | 7.5587% | 32 |
| Noninterest income to average assets | 1.0725% | 826 |
| Noninterest expense to average assets | 5.3755% | 170 |
| Loan and lease loss provision to assets | 2.5144% | 30 |
| Net operating income to assets | 0.4918% | 4,423 |
| Return on assets (ROA) | 0.5080% | 4,440 |
| Pretax return on assets | 0.1706% | 4,906 |
| Return on Equity (ROE) | 3.7626% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.1922% | 3,901 |
| Net charge-offs to loans | 2.4739% | 47 |
| Credit loss provision to net charge-offs | 126.0438% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.3378% | 3,552 |
| Efficiency ratio | 66.4806% | 2,695 |
| Assets per employee ($millions) | 3.2948% | 4,644 |
| Cash dividends to net income (ytd only)* | 41.7364% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 351 |
| Loan loss allowance to noncurrent loans | 131.9188% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 910 |
| Noncurrent loans to loans | 1.6409% | 850 |
| Net loans and leases to total assets | 74.5848% | 1,656 |
| Net loans and leases to deposits | 89.1475% | 1,683 |
| Net loans and leases to core deposits | 118.2299% | 532 |
| Total domestic deposits to total assets | 83.6645% | 2,968 |
| Equity capital to assets | 12.4359% | 1,862 |
| Core capital (leverage) ratio | 11.6545% | 1,995 |
| Tier 1 risk-based capital ratio | 12.4123% | 4,128 |
| Total risk-based capital ratio | 13.6691% | 3,990 |
| Memoranda: | ||
| Average total assets | $752,789,000 | 1,025 |
| Average earning assets | $694,324,800 | 1,014 |
| Average equity | $101,631,200 | 890 |
| Average total loans | $607,015,200 | 902 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3511% | 31 |
| Cost of funding earning assets | 2.0578% | 50 |
| Net interest margin | 7.2934% | 36 |
| Noninterest income to average assets | 1.0899% | 771 |
| Noninterest expense to average assets | 5.2147% | 183 |
| Loan and lease loss provision to assets | 2.5769% | 31 |
| Net operating income to assets | 0.5455% | 4,417 |
| Return on assets (ROA) | 0.5784% | 4,394 |
| Pretax return on assets | 0.0523% | 5,058 |
| Return on Equity (ROE) | 4.1909% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.0908% | 4,240 |
| Net charge-offs to loans | 2.3789% | 45 |
| Credit loss provision to net charge-offs | 132.3047% | 1,800 |
| Earnings coverage of net charge-offs (x) | 1.3330% | 3,307 |
| Efficiency ratio | 66.7604% | 2,626 |
| Assets per employee ($millions) | 3.0780% | 4,853 |
| Cash dividends to net income (ytd only)* | 50.1100% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 338 |
| Loan loss allowance to noncurrent loans | 72.3977% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.4082% | 301 |
| Noncurrent loans to loans | 3.0166% | 319 |
| Net loans and leases to total assets | 78.0878% | 1,128 |
| Net loans and leases to deposits | 94.5195% | 1,172 |
| Net loans and leases to core deposits | 148.6746% | 131 |
| Total domestic deposits to total assets | 82.6156% | 3,275 |
| Equity capital to assets | 13.4911% | 1,371 |
| Core capital (leverage) ratio | 13.8670% | 1,018 |
| Tier 1 risk-based capital ratio | 14.4357% | 3,113 |
| Total risk-based capital ratio | 15.6932% | 3,022 |
| Memoranda: | ||
| Average total assets | $734,236,750 | 1,038 |
| Average earning assets | $676,634,250 | 1,032 |
| Average equity | $101,327,750 | 892 |
| Average total loans | $601,153,500 | 913 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2920% | 29 |
| Cost of funding earning assets | 2.0263% | 52 |
| Net interest margin | 7.2656% | 37 |
| Noninterest income to average assets | 0.8808% | 1,117 |
| Noninterest expense to average assets | 5.1047% | 208 |
| Loan and lease loss provision to assets | 2.1982% | 35 |
| Net operating income to assets | 1.0295% | 2,805 |
| Return on assets (ROA) | 1.0295% | 2,886 |
| Pretax return on assets | 0.2854% | 4,948 |
| Return on Equity (ROE) | 7.4021% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.2433% | 3,129 |
| Net charge-offs to loans | 2.1185% | 48 |
| Credit loss provision to net charge-offs | 125.6451% | 1,684 |
| Earnings coverage of net charge-offs (x) | 1.4196% | 3,022 |
| Efficiency ratio | 67.2700% | 2,644 |
| Assets per employee ($millions) | 2.9230% | 4,951 |
| Cash dividends to net income (ytd only)* | 42.6738% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8722% | 595 |
| Loan loss allowance to noncurrent loans | 53.6461% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.9227% | 211 |
| Noncurrent loans to loans | 3.4899% | 240 |
| Net loans and leases to total assets | 82.1794% | 578 |
| Net loans and leases to deposits | 103.9961% | 420 |
| Net loans and leases to core deposits | 176.2251% | 65 |
| Total domestic deposits to total assets | 79.0216% | 4,218 |
| Equity capital to assets | 14.1765% | 1,059 |
| Core capital (leverage) ratio | 14.3508% | 868 |
| Tier 1 risk-based capital ratio | 14.6332% | 3,005 |
| Total risk-based capital ratio | 15.8877% | 2,926 |
| Memoranda: | ||
| Average total assets | $726,589,670 | 1,045 |
| Average earning assets | $670,773,670 | 1,042 |
| Average equity | $101,053,000 | 887 |
| Average total loans | $600,049,670 | 917 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2065% | 30 |
| Cost of funding earning assets | 1.9705% | 57 |
| Net interest margin | 7.2360% | 36 |
| Noninterest income to average assets | 0.8985% | 1,041 |
| Noninterest expense to average assets | 4.8389% | 229 |
| Loan and lease loss provision to assets | 1.4808% | 54 |
| Net operating income to assets | 0.9276% | 3,129 |
| Return on assets (ROA) | 0.9276% | 3,166 |
| Pretax return on assets | 1.2504% | 2,626 |
| Return on Equity (ROE) | 6.7348% | 3,760 |
| Retained earnings to average equity (ytd only) | 4.7626% | 3,018 |
| Net charge-offs to loans | 2.2282% | 50 |
| Credit loss provision to net charge-offs | 81.0412% | 1,777 |
| Earnings coverage of net charge-offs (x) | 1.4947% | 2,590 |
| Efficiency ratio | 63.9210% | 3,250 |
| Assets per employee ($millions) | 3.0575% | 4,946 |
| Cash dividends to net income (ytd only)* | 29.2828% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,194 |
| Loan loss allowance to noncurrent loans | 49.4086% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.7173% | 258 |
| Noncurrent loans to loans | 3.1268% | 335 |
| Net loans and leases to total assets | 81.1124% | 695 |
| Net loans and leases to deposits | 102.7117% | 462 |
| Net loans and leases to core deposits | 196.8792% | 43 |
| Total domestic deposits to total assets | 78.9710% | 4,355 |
| Equity capital to assets | 14.1437% | 988 |
| Core capital (leverage) ratio | 14.0025% | 956 |
| Tier 1 risk-based capital ratio | 15.0065% | 2,887 |
| Total risk-based capital ratio | 16.2576% | 2,810 |
| Memoranda: | ||
| Average total assets | $727,432,500 | 1,049 |
| Average earning assets | $670,703,000 | 1,047 |
| Average equity | $100,196,500 | 884 |
| Average total loans | $596,530,500 | 922 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6844% | 34 |
| Cost of funding earning assets | 1.7020% | 42 |
| Net interest margin | 6.9824% | 38 |
| Noninterest income to average assets | 0.9000% | 1,179 |
| Noninterest expense to average assets | 4.5018% | 298 |
| Loan and lease loss provision to assets | 1.1178% | 70 |
| Net operating income to assets | 1.7769% | 587 |
| Return on assets (ROA) | 1.7763% | 585 |
| Pretax return on assets | 1.7539% | 1,040 |
| Return on Equity (ROE) | 13.8075% | 1,093 |
| Retained earnings to average equity (ytd only) | 4.1275% | 3,289 |
| Net charge-offs to loans | 1.0225% | 145 |
| Credit loss provision to net charge-offs | 131.4272% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.3772% | 3,421 |
| Efficiency ratio | 61.0498% | 3,680 |
| Assets per employee ($millions) | 3.2863% | 4,750 |
| Cash dividends to net income (ytd only)* | 70.1068% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,001 |
| Loan loss allowance to noncurrent loans | 63.3359% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.3723% | 340 |
| Noncurrent loans to loans | 2.5466% | 472 |
| Net loans and leases to total assets | 80.3203% | 892 |
| Net loans and leases to deposits | 105.9293% | 374 |
| Net loans and leases to core deposits | 231.0897% | 34 |
| Total domestic deposits to total assets | 75.8244% | 4,774 |
| Equity capital to assets | 13.4162% | 1,175 |
| Core capital (leverage) ratio | 12.8598% | 1,304 |
| Tier 1 risk-based capital ratio | 14.5289% | 3,051 |
| Total risk-based capital ratio | 15.7808% | 2,964 |
| Memoranda: | ||
| Average total assets | $758,755,000 | 993 |
| Average earning assets | $703,514,000 | 986 |
| Average equity | $97,613,800 | 869 |
| Average total loans | $631,088,400 | 855 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4439% | 32 |
| Cost of funding earning assets | 1.5761% | 51 |
| Net interest margin | 6.8677% | 40 |
| Noninterest income to average assets | 1.0400% | 880 |
| Noninterest expense to average assets | 4.3659% | 333 |
| Loan and lease loss provision to assets | 1.2188% | 66 |
| Net operating income to assets | 1.8433% | 561 |
| Return on assets (ROA) | 1.8425% | 561 |
| Pretax return on assets | 1.8430% | 921 |
| Return on Equity (ROE) | 14.4717% | 993 |
| Retained earnings to average equity (ytd only) | 4.8989% | 3,289 |
| Net charge-offs to loans | 1.0191% | 135 |
| Credit loss provision to net charge-offs | 143.1501% | 1,768 |
| Earnings coverage of net charge-offs (x) | 3.5972% | 3,146 |
| Efficiency ratio | 58.7721% | 3,994 |
| Assets per employee ($millions) | 3.6154% | 4,416 |
| Cash dividends to net income (ytd only)* | 66.1486% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,490 |
| Loan loss allowance to noncurrent loans | 81.7992% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.8435% | 616 |
| Noncurrent loans to loans | 1.7849% | 863 |
| Net loans and leases to total assets | 84.4004% | 410 |
| Net loans and leases to deposits | 112.7948% | 213 |
| Net loans and leases to core deposits | 257.7892% | 29 |
| Total domestic deposits to total assets | 74.8265% | 4,905 |
| Equity capital to assets | 12.4740% | 1,606 |
| Core capital (leverage) ratio | 12.6262% | 1,446 |
| Tier 1 risk-based capital ratio | 13.2105% | 3,779 |
| Total risk-based capital ratio | 14.4611% | 3,696 |
| Memoranda: | ||
| Average total assets | $763,591,250 | 982 |
| Average earning assets | $710,320,750 | 973 |
| Average equity | $97,217,000 | 866 |
| Average total loans | $637,952,500 | 852 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1579% | 37 |
| Cost of funding earning assets | 1.4392% | 63 |
| Net interest margin | 6.7187% | 41 |
| Noninterest income to average assets | 1.1861% | 678 |
| Noninterest expense to average assets | 4.3864% | 328 |
| Loan and lease loss provision to assets | 1.1417% | 64 |
| Net operating income to assets | 1.9009% | 472 |
| Return on assets (ROA) | 1.9009% | 468 |
| Pretax return on assets | 1.9009% | 772 |
| Return on Equity (ROE) | 14.8267% | 885 |
| Retained earnings to average equity (ytd only) | 5.1010% | 3,020 |
| Net charge-offs to loans | 0.8420% | 156 |
| Credit loss provision to net charge-offs | 163.7225% | 1,492 |
| Earnings coverage of net charge-offs (x) | 4.3632% | 2,798 |
| Efficiency ratio | 59.0450% | 4,078 |
| Assets per employee ($millions) | 3.6974% | 4,353 |
| Cash dividends to net income (ytd only)* | 65.5959% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 1,673 |
| Loan loss allowance to noncurrent loans | 67.4449% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 2.1393% | 478 |
| Noncurrent loans to loans | 2.1086% | 678 |
| Net loans and leases to total assets | 83.4234% | 528 |
| Net loans and leases to deposits | 111.3684% | 246 |
| Net loans and leases to core deposits | 242.7128% | 30 |
| Total domestic deposits to total assets | 74.9076% | 4,963 |
| Equity capital to assets | 12.4407% | 1,573 |
| Core capital (leverage) ratio | 12.9236% | 1,256 |
| Tier 1 risk-based capital ratio | 13.2811% | 3,742 |
| Total risk-based capital ratio | 14.5312% | 3,668 |
| Memoranda: | ||
| Average total assets | $756,604,330 | 991 |
| Average earning assets | $703,025,000 | 984 |
| Average equity | $97,001,000 | 871 |
| Average total loans | $626,611,330 | 863 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8458% | 40 |
| Cost of funding earning assets | 1.3014% | 85 |
| Net interest margin | 6.5445% | 45 |
| Noninterest income to average assets | 1.0155% | 885 |
| Noninterest expense to average assets | 4.4606% | 305 |
| Loan and lease loss provision to assets | 0.6552% | 151 |
| Net operating income to assets | 1.9709% | 398 |
| Return on assets (ROA) | 1.9709% | 399 |
| Pretax return on assets | 1.9709% | 612 |
| Return on Equity (ROE) | 15.1382% | 780 |
| Retained earnings to average equity (ytd only) | 15.1382% | 317 |
| Net charge-offs to loans | 0.7891% | 181 |
| Credit loss provision to net charge-offs | 101.4131% | 1,523 |
| Earnings coverage of net charge-offs (x) | 4.0648% | 2,333 |
| Efficiency ratio | 62.9433% | 3,643 |
| Assets per employee ($millions) | 3.5250% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,533 |
| Loan loss allowance to noncurrent loans | 65.0661% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.9777% | 581 |
| Noncurrent loans to loans | 1.9173% | 852 |
| Net loans and leases to total assets | 82.5987% | 586 |
| Net loans and leases to deposits | 110.5216% | 238 |
| Net loans and leases to core deposits | 228.4697% | 36 |
| Total domestic deposits to total assets | 74.7354% | 5,085 |
| Equity capital to assets | 13.3077% | 1,112 |
| Core capital (leverage) ratio | 13.5870% | 984 |
| Tier 1 risk-based capital ratio | 14.1993% | 3,280 |
| Total risk-based capital ratio | 15.2954% | 3,273 |
| Memoranda: | ||
| Average total assets | $744,832,000 | 1,011 |
| Average earning assets | $690,967,000 | 1,006 |
| Average equity | $96,973,500 | 874 |
| Average total loans | $609,809,000 | 884 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4694% | 49 |
| Cost of funding earning assets | 1.1120% | 119 |
| Net interest margin | 6.3574% | 54 |
| Noninterest income to average assets | 1.0739% | 886 |
| Noninterest expense to average assets | 4.5022% | 314 |
| Loan and lease loss provision to assets | 0.6738% | 180 |
| Net operating income to assets | 1.7820% | 437 |
| Return on assets (ROA) | 1.7820% | 448 |
| Pretax return on assets | 1.7775% | 840 |
| Return on Equity (ROE) | 13.5107% | 847 |
| Retained earnings to average equity (ytd only) | 6.8407% | 1,145 |
| Net charge-offs to loans | 0.9167% | 208 |
| Credit loss provision to net charge-offs | 90.3879% | 2,777 |
| Earnings coverage of net charge-offs (x) | 3.2886% | 3,631 |
| Efficiency ratio | 64.6837% | 3,498 |
| Assets per employee ($millions) | 3.5857% | 4,594 |
| Cash dividends to net income (ytd only)* | 49.3685% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,300 |
| Loan loss allowance to noncurrent loans | 113.9057% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1190% | 1,340 |
| Noncurrent loans to loans | 1.1270% | 1,569 |
| Net loans and leases to total assets | 79.0950% | 1,100 |
| Net loans and leases to deposits | 102.9899% | 546 |
| Net loans and leases to core deposits | 217.5798% | 38 |
| Total domestic deposits to total assets | 76.7988% | 4,882 |
| Equity capital to assets | 12.7349% | 1,392 |
| Core capital (leverage) ratio | 13.0845% | 1,117 |
| Tier 1 risk-based capital ratio | 14.1624% | 3,277 |
| Total risk-based capital ratio | 15.2943% | 3,238 |
| Memoranda: | ||
| Average total assets | $702,039,200 | 1,040 |
| Average earning assets | $649,278,400 | 1,037 |
| Average equity | $92,593,000 | 888 |
| Average total loans | $570,878,200 | 906 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4182% | 49 |
| Cost of funding earning assets | 1.0649% | 141 |
| Net interest margin | 6.3533% | 55 |
| Noninterest income to average assets | 1.1197% | 810 |
| Noninterest expense to average assets | 4.5878% | 295 |
| Loan and lease loss provision to assets | 0.7804% | 140 |
| Net operating income to assets | 1.6262% | 669 |
| Return on assets (ROA) | 1.6262% | 691 |
| Pretax return on assets | 1.6202% | 1,350 |
| Return on Equity (ROE) | 12.2153% | 1,269 |
| Retained earnings to average equity (ytd only) | 5.9234% | 2,295 |
| Net charge-offs to loans | 1.1147% | 150 |
| Credit loss provision to net charge-offs | 85.7567% | 2,512 |
| Earnings coverage of net charge-offs (x) | 2.6379% | 3,440 |
| Efficiency ratio | 65.5849% | 3,280 |
| Assets per employee ($millions) | 3.4599% | 4,787 |
| Cash dividends to net income (ytd only)* | 51.5087% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,499 |
| Loan loss allowance to noncurrent loans | 102.9071% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 1,270 |
| Noncurrent loans to loans | 1.2374% | 1,540 |
| Net loans and leases to total assets | 81.6250% | 750 |
| Net loans and leases to deposits | 107.2645% | 364 |
| Net loans and leases to core deposits | 223.2424% | 37 |
| Total domestic deposits to total assets | 76.0969% | 5,007 |
| Equity capital to assets | 13.0741% | 1,348 |
| Core capital (leverage) ratio | 13.0886% | 1,176 |
| Tier 1 risk-based capital ratio | 14.0386% | 3,425 |
| Total risk-based capital ratio | 15.1622% | 3,415 |
| Memoranda: | ||
| Average total assets | $690,197,000 | 1,061 |
| Average earning assets | $637,554,000 | 1,061 |
| Average equity | $91,882,250 | 893 |
| Average total loans | $563,484,750 | 910 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2345% | 53 |
| Cost of funding earning assets | 1.0037% | 173 |
| Net interest margin | 6.2307% | 61 |
| Noninterest income to average assets | 1.1662% | 746 |
| Noninterest expense to average assets | 4.5847% | 292 |
| Loan and lease loss provision to assets | 0.7803% | 134 |
| Net operating income to assets | 1.5556% | 779 |
| Return on assets (ROA) | 1.5556% | 800 |
| Pretax return on assets | 1.5521% | 1,489 |
| Return on Equity (ROE) | 11.6126% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.9618% | 2,734 |
| Net charge-offs to loans | 1.2803% | 149 |
| Credit loss provision to net charge-offs | 74.9859% | 2,325 |
| Earnings coverage of net charge-offs (x) | 2.2414% | 3,184 |
| Efficiency ratio | 66.2170% | 3,317 |
| Assets per employee ($millions) | 3.4328% | 4,819 |
| Cash dividends to net income (ytd only)* | 57.2722% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,616 |
| Loan loss allowance to noncurrent loans | 85.1232% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 1,058 |
| Noncurrent loans to loans | 1.4818% | 1,271 |
| Net loans and leases to total assets | 80.6836% | 856 |
| Net loans and leases to deposits | 107.8485% | 324 |
| Net loans and leases to core deposits | 220.3545% | 38 |
| Total domestic deposits to total assets | 74.8120% | 5,219 |
| Equity capital to assets | 12.9242% | 1,407 |
| Core capital (leverage) ratio | 13.4613% | 1,007 |
| Tier 1 risk-based capital ratio | 13.9988% | 3,426 |
| Total risk-based capital ratio | 15.1086% | 3,423 |
| Memoranda: | ||
| Average total assets | $681,530,330 | 1,077 |
| Average earning assets | $629,045,000 | 1,073 |
| Average equity | $91,297,670 | 901 |
| Average total loans | $553,934,330 | 932 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2346% | 52 |
| Cost of funding earning assets | 0.9408% | 224 |
| Net interest margin | 6.2938% | 58 |
| Noninterest income to average assets | 1.2342% | 674 |
| Noninterest expense to average assets | 5.0219% | 231 |
| Loan and lease loss provision to assets | 0.2225% | 710 |
| Net operating income to assets | 1.8003% | 446 |
| Return on assets (ROA) | 1.8003% | 461 |
| Pretax return on assets | 1.7991% | 805 |
| Return on Equity (ROE) | 13.1915% | 958 |
| Retained earnings to average equity (ytd only) | 13.1915% | 361 |
| Net charge-offs to loans | 1.4348% | 115 |
| Credit loss provision to net charge-offs | 19.1336% | 2,174 |
| Earnings coverage of net charge-offs (x) | 1.7385% | 2,692 |
| Efficiency ratio | 71.2303% | 2,696 |
| Assets per employee ($millions) | 3.2340% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,996 |
| Loan loss allowance to noncurrent loans | 102.7374% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 1,392 |
| Noncurrent loans to loans | 1.1893% | 1,697 |
| Net loans and leases to total assets | 81.0091% | 693 |
| Net loans and leases to deposits | 106.8889% | 289 |
| Net loans and leases to core deposits | 217.1523% | 38 |
| Total domestic deposits to total assets | 75.7881% | 5,252 |
| Equity capital to assets | 13.9454% | 921 |
| Core capital (leverage) ratio | 14.3085% | 763 |
| Tier 1 risk-based capital ratio | 14.9843% | 2,966 |
| Total risk-based capital ratio | 16.0536% | 2,991 |
| Memoranda: | ||
| Average total assets | $667,003,500 | 1,103 |
| Average earning assets | $615,654,500 | 1,098 |
| Average equity | $91,028,000 | 900 |
| Average total loans | $540,577,000 | 947 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9209% | 62 |
| Cost of funding earning assets | 0.8709% | 344 |
| Net interest margin | 6.0499% | 66 |
| Noninterest income to average assets | 1.2607% | 713 |
| Noninterest expense to average assets | 4.9075% | 271 |
| Loan and lease loss provision to assets | -1.2539% | 5,904 |
| Net operating income to assets | 2.9080% | 83 |
| Return on assets (ROA) | 2.9091% | 85 |
| Pretax return on assets | 3.2109% | 98 |
| Return on Equity (ROE) | 23.4039% | 111 |
| Retained earnings to average equity (ytd only) | 12.1279% | 210 |
| Net charge-offs to loans | -1.6610% | 5,866 |
| Credit loss provision to net charge-offs | 92.9879% | 2,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1453% | 2,717 |
| Assets per employee ($millions) | 3.1653% | 5,201 |
| Cash dividends to net income (ytd only)* | 48.1801% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,569 |
| Loan loss allowance to noncurrent loans | 68.0507% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.0637% | 650 |
| Noncurrent loans to loans | 2.2450% | 753 |
| Net loans and leases to total assets | 78.8681% | 1,066 |
| Net loans and leases to deposits | 97.3080% | 881 |
| Net loans and leases to core deposits | 199.2632% | 38 |
| Total domestic deposits to total assets | 81.0499% | 4,320 |
| Equity capital to assets | 13.3528% | 1,110 |
| Core capital (leverage) ratio | 13.3703% | 1,016 |
| Tier 1 risk-based capital ratio | 14.5830% | 3,161 |
| Total risk-based capital ratio | 15.8339% | 3,094 |
| Memoranda: | ||
| Average total assets | $688,494,400 | 1,033 |
| Average earning assets | $637,594,000 | 1,020 |
| Average equity | $85,579,600 | 926 |
| Average total loans | $558,937,400 | 888 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9108% | 61 |
| Cost of funding earning assets | 0.8552% | 368 |
| Net interest margin | 6.0556% | 66 |
| Noninterest income to average assets | 1.3517% | 643 |
| Noninterest expense to average assets | 4.9923% | 269 |
| Loan and lease loss provision to assets | -1.7285% | 5,975 |
| Net operating income to assets | 3.6992% | 57 |
| Return on assets (ROA) | 3.7007% | 58 |
| Pretax return on assets | 3.7007% | 86 |
| Return on Equity (ROE) | 30.3176% | 36 |
| Retained earnings to average equity (ytd only) | 20.7009% | 47 |
| Net charge-offs to loans | -2.3752% | 5,934 |
| Credit loss provision to net charge-offs | 89.3465% | 2,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3465% | 2,676 |
| Assets per employee ($millions) | 3.2814% | 5,070 |
| Cash dividends to net income (ytd only)* | 31.7196% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,549 |
| Loan loss allowance to noncurrent loans | 83.5900% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.7319% | 979 |
| Noncurrent loans to loans | 1.8859% | 1,066 |
| Net loans and leases to total assets | 77.0797% | 1,347 |
| Net loans and leases to deposits | 93.0931% | 1,358 |
| Net loans and leases to core deposits | 214.1388% | 39 |
| Total domestic deposits to total assets | 82.7985% | 3,667 |
| Equity capital to assets | 13.3462% | 1,321 |
| Core capital (leverage) ratio | 13.2246% | 1,101 |
| Tier 1 risk-based capital ratio | 14.6908% | 3,196 |
| Total risk-based capital ratio | 15.9438% | 3,130 |
| Memoranda: | ||
| Average total assets | $692,857,250 | 1,034 |
| Average earning assets | $642,029,500 | 1,020 |
| Average equity | $84,573,750 | 949 |
| Average total loans | $564,309,250 | 878 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9222% | 60 |
| Cost of funding earning assets | 0.8302% | 413 |
| Net interest margin | 6.0919% | 64 |
| Noninterest income to average assets | 1.0483% | 1,018 |
| Noninterest expense to average assets | 4.7905% | 302 |
| Loan and lease loss provision to assets | 0.6902% | 162 |
| Net operating income to assets | 1.2139% | 1,549 |
| Return on assets (ROA) | 1.2162% | 1,638 |
| Pretax return on assets | 1.2162% | 2,718 |
| Return on Equity (ROE) | 10.2876% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.3695% | 1,928 |
| Net charge-offs to loans | 0.4660% | 474 |
| Credit loss provision to net charge-offs | 179.5181% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.9526% | 2,913 |
| Efficiency ratio | 71.1901% | 2,790 |
| Assets per employee ($millions) | 3.4666% | 4,807 |
| Cash dividends to net income (ytd only)* | 38.0862% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 2,052 |
| Loan loss allowance to noncurrent loans | 120.0864% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 1,460 |
| Noncurrent loans to loans | 1.2115% | 1,902 |
| Net loans and leases to total assets | 81.7171% | 657 |
| Net loans and leases to deposits | 96.4028% | 1,038 |
| Net loans and leases to core deposits | 235.4589% | 36 |
| Total domestic deposits to total assets | 84.7663% | 2,979 |
| Equity capital to assets | 11.6137% | 2,431 |
| Core capital (leverage) ratio | 11.8984% | 1,701 |
| Tier 1 risk-based capital ratio | 12.1932% | 4,705 |
| Total risk-based capital ratio | 13.4460% | 4,626 |
| Memoranda: | ||
| Average total assets | $690,830,330 | 1,036 |
| Average earning assets | $640,290,000 | 1,025 |
| Average equity | $81,671,000 | 975 |
| Average total loans | $569,956,330 | 868 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9549% | 57 |
| Cost of funding earning assets | 0.8176% | 445 |
| Net interest margin | 6.1372% | 62 |
| Noninterest income to average assets | 1.0460% | 994 |
| Noninterest expense to average assets | 4.8099% | 305 |
| Loan and lease loss provision to assets | 0.4623% | 279 |
| Net operating income to assets | 1.4588% | 919 |
| Return on assets (ROA) | 1.4588% | 963 |
| Pretax return on assets | 1.4588% | 1,723 |
| Return on Equity (ROE) | 12.2263% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.2263% | 477 |
| Net charge-offs to loans | 0.4423% | 512 |
| Credit loss provision to net charge-offs | 127.0227% | 1,382 |
| Earnings coverage of net charge-offs (x) | 5.2783% | 2,341 |
| Efficiency ratio | 71.0911% | 2,940 |
| Assets per employee ($millions) | 3.3716% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,472 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5369% | 1,311 |
| Noncurrent loans to loans | 1.3894% | 1,717 |
| Net loans and leases to total assets | 82.1375% | 540 |
| Net loans and leases to deposits | 94.7495% | 1,067 |
| Net loans and leases to core deposits | 232.6925% | 33 |
| Total domestic deposits to total assets | 86.6891% | 2,362 |
| Equity capital to assets | 12.3645% | 1,772 |
| Core capital (leverage) ratio | 12.2524% | 1,463 |
| Tier 1 risk-based capital ratio | 12.8449% | 4,360 |
| Total risk-based capital ratio | 14.0536% | 4,306 |
| Memoranda: | ||
| Average total assets | $679,185,000 | 1,045 |
| Average earning assets | $629,142,000 | 1,041 |
| Average equity | $81,038,500 | 983 |
| Average total loans | $558,847,500 | 882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2826% | 50 |
| Cost of funding earning assets | 0.7334% | 691 |
| Net interest margin | 6.5491% | 53 |
| Noninterest income to average assets | 1.0606% | 1,046 |
| Noninterest expense to average assets | 5.1162% | 258 |
| Loan and lease loss provision to assets | 0.0782% | 2,721 |
| Net operating income to assets | 1.1415% | 1,763 |
| Return on assets (ROA) | 1.1491% | 1,804 |
| Pretax return on assets | 1.8808% | 683 |
| Return on Equity (ROE) | 9.0467% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.8323% | 1,876 |
| Net charge-offs to loans | 0.2605% | 1,160 |
| Credit loss provision to net charge-offs | 38.0461% | 3,552 |
| Earnings coverage of net charge-offs (x) | 9.4694% | 2,815 |
| Efficiency ratio | 71.4553% | 2,995 |
| Assets per employee ($millions) | 3.4169% | 4,955 |
| Cash dividends to net income (ytd only)* | 35.5316% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 2,151 |
| Loan loss allowance to noncurrent loans | 115.2362% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.4364% | 1,445 |
| Noncurrent loans to loans | 1.2722% | 1,854 |
| Net loans and leases to total assets | 80.2771% | 806 |
| Net loans and leases to deposits | 93.3123% | 1,274 |
| Net loans and leases to core deposits | 199.1085% | 44 |
| Total domestic deposits to total assets | 86.0305% | 2,626 |
| Equity capital to assets | 11.4989% | 2,360 |
| Core capital (leverage) ratio | 11.9795% | 1,631 |
| Tier 1 risk-based capital ratio | 12.3674% | 4,719 |
| Total risk-based capital ratio | 13.6177% | 4,609 |
| Memoranda: | ||
| Average total assets | $612,290,800 | 1,112 |
| Average earning assets | $561,203,800 | 1,120 |
| Average equity | $77,774,000 | 981 |
| Average total loans | $483,232,400 | 964 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1374% | 56 |
| Cost of funding earning assets | 0.7155% | 779 |
| Net interest margin | 6.4219% | 59 |
| Noninterest income to average assets | 1.1291% | 943 |
| Noninterest expense to average assets | 5.1305% | 257 |
| Loan and lease loss provision to assets | 0.1662% | 1,273 |
| Net operating income to assets | 1.0349% | 2,300 |
| Return on assets (ROA) | 1.0407% | 2,365 |
| Pretax return on assets | 1.7033% | 1,095 |
| Return on Equity (ROE) | 7.9730% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.9730% | 1,248 |
| Net charge-offs to loans | 0.3116% | 861 |
| Credit loss provision to net charge-offs | 68.2364% | 2,796 |
| Earnings coverage of net charge-offs (x) | 7.6381% | 2,893 |
| Efficiency ratio | 72.3418% | 2,821 |
| Assets per employee ($millions) | 3.2596% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 1,747 |
| Loan loss allowance to noncurrent loans | 141.2004% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 1,605 |
| Noncurrent loans to loans | 1.1409% | 2,227 |
| Net loans and leases to total assets | 80.5216% | 745 |
| Net loans and leases to deposits | 92.5844% | 1,350 |
| Net loans and leases to core deposits | 229.0630% | 38 |
| Total domestic deposits to total assets | 86.9710% | 2,058 |
| Equity capital to assets | 12.1147% | 2,020 |
| Core capital (leverage) ratio | 12.8406% | 1,257 |
| Tier 1 risk-based capital ratio | 12.8908% | 4,490 |
| Total risk-based capital ratio | 14.1434% | 4,416 |
| Memoranda: | ||
| Average total assets | $592,810,250 | 1,157 |
| Average earning assets | $541,115,000 | 1,171 |
| Average equity | $77,375,750 | 990 |
| Average total loans | $463,458,750 | 1,001 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3000% | 51 |
| Cost of funding earning assets | 0.7027% | 835 |
| Net interest margin | 6.5973% | 54 |
| Noninterest income to average assets | 1.1280% | 950 |
| Noninterest expense to average assets | 5.2556% | 247 |
| Loan and lease loss provision to assets | 0.0932% | 2,262 |
| Net operating income to assets | 1.0763% | 2,029 |
| Return on assets (ROA) | 1.0852% | 2,100 |
| Pretax return on assets | 1.7760% | 932 |
| Return on Equity (ROE) | 8.0910% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,228 |
| Net charge-offs to loans | 0.2076% | 1,218 |
| Credit loss provision to net charge-offs | 58.4615% | 2,605 |
| Earnings coverage of net charge-offs (x) | 11.6396% | 2,273 |
| Efficiency ratio | 72.8657% | 2,865 |
| Assets per employee ($millions) | 2.8608% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 1,325 |
| Loan loss allowance to noncurrent loans | 119.4636% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7934% | 1,286 |
| Noncurrent loans to loans | 1.5270% | 1,737 |
| Net loans and leases to total assets | 78.2336% | 1,041 |
| Net loans and leases to deposits | 92.1203% | 1,360 |
| Net loans and leases to core deposits | 224.6038% | 41 |
| Total domestic deposits to total assets | 84.9254% | 3,147 |
| Equity capital to assets | 13.9305% | 1,001 |
| Core capital (leverage) ratio | 14.0374% | 825 |
| Tier 1 risk-based capital ratio | 14.9821% | 3,367 |
| Total risk-based capital ratio | 16.2359% | 3,303 |
| Memoranda: | ||
| Average total assets | $570,936,330 | 1,201 |
| Average earning assets | $517,754,000 | 1,229 |
| Average equity | $76,578,670 | 1,004 |
| Average total loans | $438,324,670 | 1,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0112% | 57 |
| Cost of funding earning assets | 0.6923% | 882 |
| Net interest margin | 6.3189% | 60 |
| Noninterest income to average assets | 1.1478% | 867 |
| Noninterest expense to average assets | 5.4316% | 234 |
| Loan and lease loss provision to assets | -0.1618% | 6,244 |
| Net operating income to assets | 0.9736% | 2,373 |
| Return on assets (ROA) | 0.9909% | 2,435 |
| Pretax return on assets | 1.6221% | 1,214 |
| Return on Equity (ROE) | 7.5292% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.5292% | 1,749 |
| Net charge-offs to loans | 0.0645% | 2,100 |
| Credit loss provision to net charge-offs | -332.8571% | 4,731 |
| Earnings coverage of net charge-offs (x) | 29.4857% | 1,164 |
| Efficiency ratio | 78.0498% | 2,179 |
| Assets per employee ($millions) | 2.8141% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 1,301 |
| Loan loss allowance to noncurrent loans | 97.4418% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.1111% | 1,091 |
| Noncurrent loans to loans | 1.9430% | 1,372 |
| Net loans and leases to total assets | 75.8896% | 1,222 |
| Net loans and leases to deposits | 89.8004% | 1,413 |
| Net loans and leases to core deposits | 229.0055% | 41 |
| Total domestic deposits to total assets | 84.5092% | 3,614 |
| Equity capital to assets | 13.9617% | 997 |
| Core capital (leverage) ratio | 13.2543% | 1,067 |
| Tier 1 risk-based capital ratio | 15.1502% | 3,352 |
| Total risk-based capital ratio | 16.4065% | 3,268 |
| Memoranda: | ||
| Average total assets | $576,041,500 | 1,196 |
| Average earning assets | $521,166,000 | 1,223 |
| Average equity | $75,812,000 | 1,011 |
| Average total loans | $434,073,500 | 1,060 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6134% | 49 |
| Cost of funding earning assets | 0.7318% | 946 |
| Net interest margin | 6.8816% | 51 |
| Noninterest income to average assets | 1.0331% | 1,148 |
| Noninterest expense to average assets | 4.8434% | 347 |
| Loan and lease loss provision to assets | 0.0951% | 2,563 |
| Net operating income to assets | 1.4572% | 966 |
| Return on assets (ROA) | 1.4580% | 1,000 |
| Pretax return on assets | 2.2882% | 265 |
| Return on Equity (ROE) | 11.9933% | 1,416 |
| Retained earnings to average equity (ytd only) | 8.6518% | 784 |
| Net charge-offs to loans | 0.8650% | 382 |
| Credit loss provision to net charge-offs | 14.2648% | 4,053 |
| Earnings coverage of net charge-offs (x) | 3.5750% | 3,853 |
| Efficiency ratio | 65.9928% | 4,254 |
| Assets per employee ($millions) | 3.1588% | 5,497 |
| Cash dividends to net income (ytd only)* | 27.8614% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 1,362 |
| Loan loss allowance to noncurrent loans | 126.1916% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 1,638 |
| Noncurrent loans to loans | 1.4897% | 1,968 |
| Net loans and leases to total assets | 72.1534% | 1,887 |
| Net loans and leases to deposits | 83.5422% | 2,269 |
| Net loans and leases to core deposits | 194.2209% | 45 |
| Total domestic deposits to total assets | 86.3677% | 2,633 |
| Equity capital to assets | 12.4325% | 1,688 |
| Core capital (leverage) ratio | 12.4003% | 1,401 |
| Tier 1 risk-based capital ratio | 14.4074% | 3,828 |
| Total risk-based capital ratio | 15.6619% | 3,765 |
| Memoranda: | ||
| Average total assets | $615,449,800 | 1,079 |
| Average earning assets | $553,826,200 | 1,094 |
| Average equity | $74,817,000 | 976 |
| Average total loans | $474,086,600 | 933 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8101% | 50 |
| Cost of funding earning assets | 0.7398% | 943 |
| Net interest margin | 7.0702% | 47 |
| Noninterest income to average assets | 0.9138% | 1,480 |
| Noninterest expense to average assets | 5.0395% | 301 |
| Loan and lease loss provision to assets | 0.1908% | 1,268 |
| Net operating income to assets | 1.2677% | 1,466 |
| Return on assets (ROA) | 1.2682% | 1,525 |
| Pretax return on assets | 2.0316% | 530 |
| Return on Equity (ROE) | 10.4907% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.4907% | 601 |
| Net charge-offs to loans | 1.0726% | 273 |
| Credit loss provision to net charge-offs | 22.8387% | 3,550 |
| Earnings coverage of net charge-offs (x) | 2.6594% | 3,855 |
| Efficiency ratio | 68.5470% | 3,757 |
| Assets per employee ($millions) | 3.3637% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 1,422 |
| Loan loss allowance to noncurrent loans | 155.7351% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.4590% | 2,116 |
| Noncurrent loans to loans | 1.2288% | 2,592 |
| Net loans and leases to total assets | 73.4228% | 1,610 |
| Net loans and leases to deposits | 84.9336% | 2,042 |
| Net loans and leases to core deposits | 189.7753% | 48 |
| Total domestic deposits to total assets | 86.4472% | 2,616 |
| Equity capital to assets | 12.5814% | 1,649 |
| Core capital (leverage) ratio | 12.2237% | 1,563 |
| Tier 1 risk-based capital ratio | 14.3208% | 4,013 |
| Total risk-based capital ratio | 15.5756% | 3,933 |
| Memoranda: | ||
| Average total assets | $618,481,250 | 1,088 |
| Average earning assets | $555,234,250 | 1,099 |
| Average equity | $74,769,250 | 982 |
| Average total loans | $481,693,500 | 929 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8469% | 47 |
| Cost of funding earning assets | 0.7432% | 952 |
| Net interest margin | 7.1037% | 46 |
| Noninterest income to average assets | 0.8630% | 1,613 |
| Noninterest expense to average assets | 5.0830% | 300 |
| Loan and lease loss provision to assets | 0.1714% | 1,435 |
| Net operating income to assets | 1.2422% | 1,470 |
| Return on assets (ROA) | 1.2430% | 1,530 |
| Pretax return on assets | 1.9566% | 612 |
| Return on Equity (ROE) | 10.4237% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.4237% | 628 |
| Net charge-offs to loans | 1.1012% | 300 |
| Credit loss provision to net charge-offs | 19.7319% | 3,206 |
| Earnings coverage of net charge-offs (x) | 2.4479% | 3,544 |
| Efficiency ratio | 69.8520% | 3,680 |
| Assets per employee ($millions) | 3.0751% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 1,314 |
| Loan loss allowance to noncurrent loans | 110.7926% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.8721% | 1,739 |
| Noncurrent loans to loans | 1.8297% | 1,876 |
| Net loans and leases to total assets | 77.3963% | 991 |
| Net loans and leases to deposits | 89.5180% | 1,415 |
| Net loans and leases to core deposits | 207.0653% | 41 |
| Total domestic deposits to total assets | 86.4589% | 2,783 |
| Equity capital to assets | 12.5341% | 1,622 |
| Core capital (leverage) ratio | 12.0866% | 1,614 |
| Tier 1 risk-based capital ratio | 13.6954% | 4,457 |
| Total risk-based capital ratio | 14.9518% | 4,397 |
| Memoranda: | ||
| Average total assets | $618,332,330 | 1,089 |
| Average earning assets | $552,445,670 | 1,103 |
| Average equity | $73,735,670 | 990 |
| Average total loans | $487,824,670 | 914 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6105% | 49 |
| Cost of funding earning assets | 0.7369% | 1,035 |
| Net interest margin | 6.8737% | 51 |
| Noninterest income to average assets | 0.8863% | 1,438 |
| Noninterest expense to average assets | 5.1732% | 286 |
| Loan and lease loss provision to assets | 0.2139% | 1,074 |
| Net operating income to assets | 1.1293% | 1,701 |
| Return on assets (ROA) | 1.1284% | 1,770 |
| Pretax return on assets | 1.6689% | 1,033 |
| Return on Equity (ROE) | 9.7028% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.7028% | 1,047 |
| Net charge-offs to loans | 3.0589% | 62 |
| Credit loss provision to net charge-offs | 8.8688% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.7812% | 3,265 |
| Efficiency ratio | 73.3031% | 3,261 |
| Assets per employee ($millions) | 2.9067% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7042% | 2,340 |
| Loan loss allowance to noncurrent loans | 74.9800% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 1,483 |
| Noncurrent loans to loans | 2.2728% | 1,581 |
| Net loans and leases to total assets | 78.1122% | 763 |
| Net loans and leases to deposits | 90.2429% | 1,119 |
| Net loans and leases to core deposits | 193.7036% | 44 |
| Total domestic deposits to total assets | 86.5577% | 3,072 |
| Equity capital to assets | 11.8279% | 1,996 |
| Core capital (leverage) ratio | 11.6650% | 1,855 |
| Tier 1 risk-based capital ratio | 13.0221% | 4,995 |
| Total risk-based capital ratio | 14.2750% | 4,922 |
| Memoranda: | ||
| Average total assets | $624,605,500 | 1,089 |
| Average earning assets | $560,749,000 | 1,098 |
| Average equity | $72,638,500 | 1,002 |
| Average total loans | $492,458,500 | 902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4134% | 55 |
| Cost of funding earning assets | 0.7944% | 1,241 |
| Net interest margin | 6.6190% | 55 |
| Noninterest income to average assets | 0.7046% | 2,516 |
| Noninterest expense to average assets | 4.8984% | 375 |
| Loan and lease loss provision to assets | 1.3545% | 115 |
| Net operating income to assets | 0.2465% | 5,697 |
| Return on assets (ROA) | 0.2242% | 5,822 |
| Pretax return on assets | 0.3709% | 5,557 |
| Return on Equity (ROE) | 2.1792% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,697 |
| Net charge-offs to loans | 5.1566% | 20 |
| Credit loss provision to net charge-offs | 33.9507% | 4,164 |
| Earnings coverage of net charge-offs (x) | 0.4412% | 4,930 |
| Efficiency ratio | 73.5631% | 3,205 |
| Assets per employee ($millions) | 2.7999% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 909 |
| Loan loss allowance to noncurrent loans | 70.7289% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.7527% | 1,207 |
| Noncurrent loans to loans | 3.4170% | 933 |
| Net loans and leases to total assets | 76.3344% | 1,029 |
| Net loans and leases to deposits | 87.0497% | 1,568 |
| Net loans and leases to core deposits | 160.3908% | 69 |
| Total domestic deposits to total assets | 87.6905% | 2,368 |
| Equity capital to assets | 11.4327% | 2,221 |
| Core capital (leverage) ratio | 11.1834% | 2,212 |
| Tier 1 risk-based capital ratio | 12.8347% | 5,092 |
| Total risk-based capital ratio | 14.0954% | 5,031 |
| Memoranda: | ||
| Average total assets | $687,468,000 | 964 |
| Average earning assets | $618,420,200 | 986 |
| Average equity | $70,714,800 | 1,007 |
| Average total loans | $531,901,200 | 800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3703% | 56 |
| Cost of funding earning assets | 0.8066% | 1,287 |
| Net interest margin | 6.5636% | 58 |
| Noninterest income to average assets | 0.7316% | 2,453 |
| Noninterest expense to average assets | 4.8706% | 372 |
| Loan and lease loss provision to assets | 0.8354% | 220 |
| Net operating income to assets | 0.5541% | 4,563 |
| Return on assets (ROA) | 0.5234% | 4,853 |
| Pretax return on assets | 0.8660% | 4,023 |
| Return on Equity (ROE) | 5.2183% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.2183% | 2,922 |
| Net charge-offs to loans | 6.0652% | 17 |
| Credit loss provision to net charge-offs | 17.8464% | 4,105 |
| Earnings coverage of net charge-offs (x) | 0.3737% | 4,741 |
| Efficiency ratio | 73.5738% | 3,131 |
| Assets per employee ($millions) | 2.7262% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 1,936 |
| Loan loss allowance to noncurrent loans | 61.5443% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.4365% | 1,588 |
| Noncurrent loans to loans | 3.1232% | 1,269 |
| Net loans and leases to total assets | 74.1623% | 1,271 |
| Net loans and leases to deposits | 83.9755% | 1,878 |
| Net loans and leases to core deposits | 140.8186% | 120 |
| Total domestic deposits to total assets | 88.3141% | 1,934 |
| Equity capital to assets | 10.9300% | 2,829 |
| Core capital (leverage) ratio | 10.7883% | 2,686 |
| Tier 1 risk-based capital ratio | 12.5169% | 5,447 |
| Total risk-based capital ratio | 13.7719% | 5,387 |
| Memoranda: | ||
| Average total assets | $702,543,250 | 950 |
| Average earning assets | $630,265,250 | 967 |
| Average equity | $70,468,000 | 1,017 |
| Average total loans | $542,226,250 | 777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2812% | 56 |
| Cost of funding earning assets | 0.8128% | 1,352 |
| Net interest margin | 6.4685% | 59 |
| Noninterest income to average assets | 0.7142% | 2,573 |
| Noninterest expense to average assets | 4.8854% | 392 |
| Loan and lease loss provision to assets | 1.1130% | 152 |
| Net operating income to assets | 0.3652% | 5,345 |
| Return on assets (ROA) | 0.3652% | 5,520 |
| Pretax return on assets | 0.5400% | 5,238 |
| Return on Equity (ROE) | 3.7459% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.7459% | 3,916 |
| Net charge-offs to loans | 8.9017% | 10 |
| Credit loss provision to net charge-offs | 16.0988% | 3,811 |
| Earnings coverage of net charge-offs (x) | 0.2391% | 4,467 |
| Efficiency ratio | 74.7184% | 2,985 |
| Assets per employee ($millions) | 2.7381% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7693% | 2,530 |
| Loan loss allowance to noncurrent loans | 43.7128% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.1305% | 1,273 |
| Noncurrent loans to loans | 4.0476% | 954 |
| Net loans and leases to total assets | 74.2224% | 1,218 |
| Net loans and leases to deposits | 83.3867% | 1,882 |
| Net loans and leases to core deposits | 139.7127% | 135 |
| Total domestic deposits to total assets | 89.0098% | 1,630 |
| Equity capital to assets | 10.3023% | 3,543 |
| Core capital (leverage) ratio | 10.2981% | 3,100 |
| Tier 1 risk-based capital ratio | 11.6735% | 6,009 |
| Total risk-based capital ratio | 12.9264% | 5,961 |
| Memoranda: | ||
| Average total assets | $714,082,330 | 936 |
| Average earning assets | $642,967,000 | 949 |
| Average equity | $69,622,670 | 1,036 |
| Average total loans | $554,616,000 | 747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2693% | 55 |
| Cost of funding earning assets | 0.8297% | 1,367 |
| Net interest margin | 6.4396% | 58 |
| Noninterest income to average assets | 0.7517% | 2,331 |
| Noninterest expense to average assets | 4.6670% | 466 |
| Loan and lease loss provision to assets | 0.1783% | 2,086 |
| Net operating income to assets | 1.0210% | 2,141 |
| Return on assets (ROA) | 1.0210% | 2,255 |
| Pretax return on assets | 1.6894% | 1,103 |
| Return on Equity (ROE) | 10.7636% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.7636% | 923 |
| Net charge-offs to loans | 15.0085% | 5 |
| Credit loss provision to net charge-offs | 1.5097% | 3,229 |
| Earnings coverage of net charge-offs (x) | 0.1582% | 3,760 |
| Efficiency ratio | 71.4189% | 3,732 |
| Assets per employee ($millions) | 2.7573% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 3,392 |
| Loan loss allowance to noncurrent loans | 22.6101% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 5.6558% | 600 |
| Noncurrent loans to loans | 7.0848% | 408 |
| Net loans and leases to total assets | 77.7555% | 641 |
| Net loans and leases to deposits | 87.1651% | 1,226 |
| Net loans and leases to core deposits | 136.5223% | 138 |
| Total domestic deposits to total assets | 89.2048% | 1,557 |
| Equity capital to assets | 9.9044% | 4,269 |
| Core capital (leverage) ratio | 9.7475% | 3,730 |
| Tier 1 risk-based capital ratio | 11.0857% | 6,369 |
| Total risk-based capital ratio | 12.3378% | 6,340 |
| Memoranda: | ||
| Average total assets | $724,755,500 | 929 |
| Average earning assets | $650,845,000 | 933 |
| Average equity | $68,750,000 | 1,058 |
| Average total loans | $570,211,000 | 736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1660% | 47 |
| Cost of funding earning assets | 0.8556% | 2,257 |
| Net interest margin | 7.3104% | 47 |
| Noninterest income to average assets | 0.7681% | 2,405 |
| Noninterest expense to average assets | 4.4242% | 616 |
| Loan and lease loss provision to assets | 4.4438% | 13 |
| Net operating income to assets | -0.9134% | 6,717 |
| Return on assets (ROA) | -0.9159% | 6,736 |
| Pretax return on assets | -1.5478% | 6,863 |
| Return on Equity (ROE) | -10.5310% | 6,735 |
| Retained earnings to average equity (ytd only) | -10.5310% | 6,656 |
| Net charge-offs to loans | 6.2071% | 14 |
| Credit loss provision to net charge-offs | 90.6114% | 3,455 |
| Earnings coverage of net charge-offs (x) | 0.5913% | 5,188 |
| Efficiency ratio | 60.1340% | 5,518 |
| Assets per employee ($millions) | 2.8931% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1250% | 121 |
| Loan loss allowance to noncurrent loans | 56.7802% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 7.1260% | 430 |
| Noncurrent loans to loans | 9.0260% | 289 |
| Net loans and leases to total assets | 74.3359% | 1,147 |
| Net loans and leases to deposits | 83.6540% | 1,796 |
| Net loans and leases to core deposits | 125.0038% | 231 |
| Total domestic deposits to total assets | 88.8611% | 1,667 |
| Equity capital to assets | 9.0918% | 5,412 |
| Core capital (leverage) ratio | 8.9154% | 5,024 |
| Tier 1 risk-based capital ratio | 10.5842% | 6,520 |
| Total risk-based capital ratio | 11.8766% | 6,468 |
| Memoranda: | ||
| Average total assets | $823,122,800 | 802 |
| Average earning assets | $738,192,200 | 809 |
| Average equity | $71,588,400 | 987 |
| Average total loans | $650,351,200 | 635 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3674% | 42 |
| Cost of funding earning assets | 0.8670% | 2,414 |
| Net interest margin | 7.5003% | 44 |
| Noninterest income to average assets | 0.9083% | 1,802 |
| Noninterest expense to average assets | 4.4624% | 564 |
| Loan and lease loss provision to assets | 3.6596% | 22 |
| Net operating income to assets | -0.2818% | 6,558 |
| Return on assets (ROA) | -0.2917% | 6,626 |
| Pretax return on assets | -0.4826% | 6,698 |
| Return on Equity (ROE) | -3.3884% | 6,643 |
| Retained earnings to average equity (ytd only) | -3.3884% | 6,509 |
| Net charge-offs to loans | 6.8899% | 16 |
| Credit loss provision to net charge-offs | 67.1011% | 3,977 |
| Earnings coverage of net charge-offs (x) | 0.5854% | 5,023 |
| Efficiency ratio | 58.0616% | 5,784 |
| Assets per employee ($millions) | 3.1980% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5881% | 433 |
| Loan loss allowance to noncurrent loans | 53.2554% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 5.4189% | 795 |
| Noncurrent loans to loans | 6.7376% | 555 |
| Net loans and leases to total assets | 75.9830% | 982 |
| Net loans and leases to deposits | 84.7879% | 1,766 |
| Net loans and leases to core deposits | 122.8133% | 267 |
| Total domestic deposits to total assets | 89.6153% | 1,066 |
| Equity capital to assets | 9.3175% | 5,446 |
| Core capital (leverage) ratio | 8.7373% | 5,419 |
| Tier 1 risk-based capital ratio | 10.5094% | 6,664 |
| Total risk-based capital ratio | 11.7836% | 6,639 |
| Memoranda: | ||
| Average total assets | $842,300,500 | 785 |
| Average earning assets | $757,653,500 | 791 |
| Average equity | $72,520,000 | 977 |
| Average total loans | $666,733,000 | 624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8323% | 37 |
| Cost of funding earning assets | 0.8830% | 2,538 |
| Net interest margin | 7.9492% | 35 |
| Noninterest income to average assets | 0.9272% | 1,682 |
| Noninterest expense to average assets | 4.5658% | 523 |
| Loan and lease loss provision to assets | 1.7876% | 186 |
| Net operating income to assets | 1.0432% | 2,280 |
| Return on assets (ROA) | 1.0232% | 2,596 |
| Pretax return on assets | 1.6923% | 1,278 |
| Return on Equity (ROE) | 12.1925% | 1,607 |
| Retained earnings to average equity (ytd only) | 12.1925% | 551 |
| Net charge-offs to loans | 8.9077% | 12 |
| Credit loss provision to net charge-offs | 25.3183% | 4,523 |
| Earnings coverage of net charge-offs (x) | 0.4973% | 4,825 |
| Efficiency ratio | 56.3124% | 6,082 |
| Assets per employee ($millions) | 3.5487% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 3,239 |
| Loan loss allowance to noncurrent loans | 30.2988% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 4.2868% | 1,163 |
| Noncurrent loans to loans | 5.6001% | 830 |
| Net loans and leases to total assets | 73.5202% | 1,329 |
| Net loans and leases to deposits | 82.2684% | 2,081 |
| Net loans and leases to core deposits | 119.7440% | 319 |
| Total domestic deposits to total assets | 89.3663% | 1,293 |
| Equity capital to assets | 9.1157% | 5,567 |
| Core capital (leverage) ratio | 8.6888% | 5,399 |
| Tier 1 risk-based capital ratio | 10.5019% | 6,691 |
| Total risk-based capital ratio | 11.7547% | 6,677 |
| Memoranda: | ||
| Average total assets | $858,696,670 | 773 |
| Average earning assets | $772,327,670 | 780 |
| Average equity | $72,060,670 | 976 |
| Average total loans | $680,624,670 | 608 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6252% | 41 |
| Cost of funding earning assets | 0.8862% | 2,792 |
| Net interest margin | 7.7391% | 40 |
| Noninterest income to average assets | 1.1730% | 1,040 |
| Noninterest expense to average assets | 4.3950% | 598 |
| Loan and lease loss provision to assets | 0.5484% | 1,075 |
| Net operating income to assets | 1.9403% | 468 |
| Return on assets (ROA) | 1.9421% | 534 |
| Pretax return on assets | 3.2126% | 152 |
| Return on Equity (ROE) | 24.2205% | 210 |
| Retained earnings to average equity (ytd only) | 24.2205% | 106 |
| Net charge-offs to loans | 0.0687% | 3,800 |
| Credit loss provision to net charge-offs | 978.9916% | 358 |
| Earnings coverage of net charge-offs (x) | 67.0924% | 500 |
| Efficiency ratio | 53.6690% | 6,383 |
| Assets per employee ($millions) | 3.8806% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7385% | 212 |
| Loan loss allowance to noncurrent loans | 62.8072% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 6.5662% | 680 |
| Noncurrent loans to loans | 7.5446% | 553 |
| Net loans and leases to total assets | 80.5040% | 366 |
| Net loans and leases to deposits | 93.0468% | 724 |
| Net loans and leases to core deposits | 123.9296% | 253 |
| Total domestic deposits to total assets | 86.5200% | 3,233 |
| Equity capital to assets | 8.0878% | 6,451 |
| Core capital (leverage) ratio | 8.5089% | 5,575 |
| Tier 1 risk-based capital ratio | 8.6910% | 7,063 |
| Total risk-based capital ratio | 9.9790% | 7,062 |
| Memoranda: | ||
| Average total assets | $849,786,000 | 780 |
| Average earning assets | $766,450,500 | 787 |
| Average equity | $68,140,500 | 1,027 |
| Average total loans | $693,166,500 | 596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9409% | 37 |
| Cost of funding earning assets | 1.2419% | 1,776 |
| Net interest margin | 7.6991% | 37 |
| Noninterest income to average assets | 2.5174% | 266 |
| Noninterest expense to average assets | 6.0564% | 202 |
| Loan and lease loss provision to assets | 5.2026% | 16 |
| Net operating income to assets | -1.2266% | 6,832 |
| Return on assets (ROA) | -1.2222% | 6,852 |
| Pretax return on assets | -2.0287% | 7,031 |
| Return on Equity (ROE) | -9.8438% | 6,736 |
| Retained earnings to average equity (ytd only) | -9.8438% | 6,699 |
| Net charge-offs to loans | 0.4008% | 3,414 |
| Credit loss provision to net charge-offs | 1,666.0246% | 134 |
| Earnings coverage of net charge-offs (x) | 10.1418% | 1,881 |
| Efficiency ratio | 64.7139% | 5,003 |
| Assets per employee ($millions) | 3.7571% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1803% | 160 |
| Loan loss allowance to noncurrent loans | 85.9828% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 4.8661% | 1,111 |
| Noncurrent loans to loans | 6.0248% | 823 |
| Net loans and leases to total assets | 74.4266% | 1,192 |
| Net loans and leases to deposits | 86.4921% | 1,615 |
| Net loans and leases to core deposits | 115.8723% | 449 |
| Total domestic deposits to total assets | 86.0501% | 3,295 |
| Equity capital to assets | 7.9460% | 6,608 |
| Core capital (leverage) ratio | 9.2309% | 4,423 |
| Tier 1 risk-based capital ratio | 9.5467% | 6,954 |
| Total risk-based capital ratio | 10.8411% | 6,939 |
| Memoranda: | ||
| Average total assets | $598,505,800 | 1,099 |
| Average earning assets | $521,310,400 | 1,145 |
| Average equity | $74,310,400 | 907 |
| Average total loans | $466,315,600 | 895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4025% | 33 |
| Cost of funding earning assets | 1.3852% | 1,296 |
| Net interest margin | 8.0173% | 36 |
| Noninterest income to average assets | 3.2317% | 195 |
| Noninterest expense to average assets | 6.6488% | 156 |
| Loan and lease loss provision to assets | 0.9846% | 881 |
| Net operating income to assets | 1.5150% | 902 |
| Return on assets (ROA) | 1.5150% | 982 |
| Pretax return on assets | 2.5063% | 247 |
| Return on Equity (ROE) | 10.7196% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.7196% | 677 |
| Net charge-offs to loans | 0.6026% | 2,449 |
| Credit loss provision to net charge-offs | 210.3267% | 1,380 |
| Earnings coverage of net charge-offs (x) | 7.4568% | 2,360 |
| Efficiency ratio | 64.8447% | 4,924 |
| Assets per employee ($millions) | 3.0035% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,785 |
| Loan loss allowance to noncurrent loans | 135.9736% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 4,921 |
| Noncurrent loans to loans | 0.9911% | 4,906 |
| Net loans and leases to total assets | 76.1475% | 957 |
| Net loans and leases to deposits | 92.9315% | 923 |
| Net loans and leases to core deposits | 130.7785% | 241 |
| Total domestic deposits to total assets | 81.9393% | 5,114 |
| Equity capital to assets | 12.5454% | 1,894 |
| Core capital (leverage) ratio | 13.3253% | 1,100 |
| Tier 1 risk-based capital ratio | 13.7650% | 4,529 |
| Total risk-based capital ratio | 14.9132% | 4,574 |
| Memoranda: | ||
| Average total assets | $540,553,250 | 1,225 |
| Average earning assets | $465,765,500 | 1,315 |
| Average equity | $76,393,750 | 885 |
| Average total loans | $419,960,000 | 1,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7657% | 34 |
| Cost of funding earning assets | 1.5983% | 698 |
| Net interest margin | 8.1674% | 36 |
| Noninterest income to average assets | 3.7814% | 180 |
| Noninterest expense to average assets | 7.2649% | 134 |
| Loan and lease loss provision to assets | 0.7317% | 1,275 |
| Net operating income to assets | 1.6012% | 733 |
| Return on assets (ROA) | 1.6012% | 774 |
| Pretax return on assets | 2.6493% | 199 |
| Return on Equity (ROE) | 10.8258% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.8258% | 695 |
| Net charge-offs to loans | 0.2963% | 3,391 |
| Credit loss provision to net charge-offs | 317.0068% | 961 |
| Earnings coverage of net charge-offs (x) | 14.6480% | 1,468 |
| Efficiency ratio | 67.5037% | 4,605 |
| Assets per employee ($millions) | 2.6500% | 6,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 5,043 |
| Loan loss allowance to noncurrent loans | 79.7183% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5409% | 3,891 |
| Noncurrent loans to loans | 1.6363% | 3,955 |
| Net loans and leases to total assets | 81.2089% | 432 |
| Net loans and leases to deposits | 102.3952% | 374 |
| Net loans and leases to core deposits | 154.3866% | 132 |
| Total domestic deposits to total assets | 79.3093% | 6,006 |
| Equity capital to assets | 14.3961% | 971 |
| Core capital (leverage) ratio | 14.7742% | 711 |
| Tier 1 risk-based capital ratio | 14.9636% | 3,507 |
| Total risk-based capital ratio | 16.0876% | 3,558 |
| Memoranda: | ||
| Average total assets | $509,494,000 | 1,325 |
| Average earning assets | $428,215,000 | 1,430 |
| Average equity | $75,357,000 | 898 |
| Average total loans | $396,892,670 | 1,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8052% | 37 |
| Cost of funding earning assets | 1.7314% | 494 |
| Net interest margin | 8.0738% | 39 |
| Noninterest income to average assets | 4.2199% | 155 |
| Noninterest expense to average assets | 7.3665% | 130 |
| Loan and lease loss provision to assets | 0.7608% | 1,122 |
| Net operating income to assets | 1.6403% | 632 |
| Return on assets (ROA) | 1.6403% | 670 |
| Pretax return on assets | 2.7137% | 196 |
| Return on Equity (ROE) | 10.9320% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.9320% | 910 |
| Net charge-offs to loans | 0.7721% | 1,669 |
| Credit loss provision to net charge-offs | 130.4709% | 2,119 |
| Earnings coverage of net charge-offs (x) | 5.9584% | 2,176 |
| Efficiency ratio | 67.2055% | 4,813 |
| Assets per employee ($millions) | 2.3367% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,538 |
| Loan loss allowance to noncurrent loans | 113.0570% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 4,830 |
| Noncurrent loans to loans | 1.0772% | 4,894 |
| Net loans and leases to total assets | 76.1869% | 1,009 |
| Net loans and leases to deposits | 97.0142% | 622 |
| Net loans and leases to core deposits | 155.5500% | 138 |
| Total domestic deposits to total assets | 78.5317% | 6,291 |
| Equity capital to assets | 14.9926% | 773 |
| Core capital (leverage) ratio | 15.6512% | 557 |
| Tier 1 risk-based capital ratio | 16.1649% | 2,829 |
| Total risk-based capital ratio | 17.1882% | 2,902 |
| Memoranda: | ||
| Average total assets | $495,268,000 | 1,361 |
| Average earning assets | $406,151,500 | 1,502 |
| Average equity | $74,314,000 | 900 |
| Average total loans | $374,022,000 | 1,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4287% | 41 |
| Cost of funding earning assets | 2.5596% | 87 |
| Net interest margin | 6.8691% | 55 |
| Noninterest income to average assets | 8.6094% | 76 |
| Noninterest expense to average assets | 9.0007% | 96 |
| Loan and lease loss provision to assets | 1.0327% | 1,566 |
| Net operating income to assets | 2.2300% | 180 |
| Return on assets (ROA) | 2.2386% | 182 |
| Pretax return on assets | 3.6366% | 82 |
| Return on Equity (ROE) | 15.8754% | 596 |
| Retained earnings to average equity (ytd only) | 15.8754% | 101 |
| Net charge-offs to loans | 1.9286% | 1,066 |
| Credit loss provision to net charge-offs | 78.9151% | 5,593 |
| Earnings coverage of net charge-offs (x) | 3.5580% | 3,304 |
| Efficiency ratio | 65.1495% | 5,136 |
| Assets per employee ($millions) | 2.3135% | 7,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,280 |
| Loan loss allowance to noncurrent loans | 140.2431% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8756% | 5,261 |
| Noncurrent loans to loans | 0.8897% | 5,279 |
| Net loans and leases to total assets | 72.9435% | 1,888 |
| Net loans and leases to deposits | 92.8770% | 1,155 |
| Net loans and leases to core deposits | 178.0494% | 116 |
| Total domestic deposits to total assets | 78.5377% | 6,207 |
| Equity capital to assets | 15.0174% | 785 |
| Core capital (leverage) ratio | 15.0866% | 650 |
| Tier 1 risk-based capital ratio | 16.4682% | 2,537 |
| Total risk-based capital ratio | 17.4944% | 2,593 |
| Memoranda: | ||
| Average total assets | $486,027,000 | 1,376 |
| Average earning assets | $357,121,400 | 1,678 |
| Average equity | $68,533,600 | 979 |
| Average total loans | $329,768,200 | 1,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4178% | 40 |
| Cost of funding earning assets | 2.7475% | 57 |
| Net interest margin | 6.6703% | 60 |
| Noninterest income to average assets | 9.2071% | 68 |
| Noninterest expense to average assets | 9.4394% | 86 |
| Loan and lease loss provision to assets | 0.9079% | 1,666 |
| Net operating income to assets | 2.1754% | 248 |
| Return on assets (ROA) | 2.1868% | 263 |
| Pretax return on assets | 3.6753% | 84 |
| Return on Equity (ROE) | 15.7663% | 737 |
| Retained earnings to average equity (ytd only) | 15.7663% | 174 |
| Net charge-offs to loans | 2.0057% | 939 |
| Credit loss provision to net charge-offs | 68.2353% | 5,468 |
| Earnings coverage of net charge-offs (x) | 3.4312% | 3,456 |
| Efficiency ratio | 67.4014% | 4,583 |
| Assets per employee ($millions) | 2.2938% | 7,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 5,250 |
| Loan loss allowance to noncurrent loans | 81.4310% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 4,447 |
| Noncurrent loans to loans | 1.5319% | 4,340 |
| Net loans and leases to total assets | 69.7060% | 2,807 |
| Net loans and leases to deposits | 88.7121% | 1,906 |
| Net loans and leases to core deposits | 157.8351% | 157 |
| Total domestic deposits to total assets | 78.5755% | 6,128 |
| Equity capital to assets | 14.6038% | 991 |
| Core capital (leverage) ratio | 14.4612% | 823 |
| Tier 1 risk-based capital ratio | 16.3165% | 2,627 |
| Total risk-based capital ratio | 17.3167% | 2,679 |
| Memoranda: | ||
| Average total assets | $485,496,750 | 1,400 |
| Average earning assets | $349,203,500 | 1,736 |
| Average equity | $67,340,250 | 991 |
| Average total loans | $322,067,500 | 1,411 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0807% | 46 |
| Cost of funding earning assets | 2.9620% | 42 |
| Net interest margin | 6.1186% | 86 |
| Noninterest income to average assets | 8.6329% | 75 |
| Noninterest expense to average assets | 9.7034% | 82 |
| Loan and lease loss provision to assets | 0.2085% | 4,791 |
| Net operating income to assets | 1.7869% | 499 |
| Return on assets (ROA) | 1.8040% | 523 |
| Pretax return on assets | 3.0569% | 121 |
| Return on Equity (ROE) | 13.2417% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.2417% | 357 |
| Net charge-offs to loans | 0.0820% | 5,319 |
| Credit loss provision to net charge-offs | 391.4729% | 922 |
| Earnings coverage of net charge-offs (x) | 60.8140% | 509 |
| Efficiency ratio | 74.9761% | 3,270 |
| Assets per employee ($millions) | 2.4355% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,777 |
| Loan loss allowance to noncurrent loans | 51.4101% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.3640% | 3,051 |
| Noncurrent loans to loans | 3.4684% | 2,285 |
| Net loans and leases to total assets | 66.9434% | 3,633 |
| Net loans and leases to deposits | 84.0631% | 2,860 |
| Net loans and leases to core deposits | 145.7624% | 236 |
| Total domestic deposits to total assets | 79.6347% | 5,846 |
| Equity capital to assets | 13.2047% | 1,474 |
| Core capital (leverage) ratio | 13.4879% | 1,062 |
| Tier 1 risk-based capital ratio | 14.2467% | 3,576 |
| Total risk-based capital ratio | 15.5091% | 3,540 |
| Memoranda: | ||
| Average total assets | $484,471,670 | 1,418 |
| Average earning assets | $341,186,670 | 1,793 |
| Average equity | $66,003,670 | 1,006 |
| Average total loans | $314,468,000 | 1,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6414% | 58 |
| Cost of funding earning assets | 3.1806% | 36 |
| Net interest margin | 5.4608% | 191 |
| Noninterest income to average assets | 9.0917% | 73 |
| Noninterest expense to average assets | 11.1046% | 69 |
| Loan and lease loss provision to assets | 0.1053% | 5,571 |
| Net operating income to assets | 0.7825% | 3,041 |
| Return on assets (ROA) | 0.8179% | 2,983 |
| Pretax return on assets | 1.7020% | 1,055 |
| Return on Equity (ROE) | 5.9046% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.9046% | 2,662 |
| Net charge-offs to loans | 0.0713% | 4,706 |
| Credit loss provision to net charge-offs | 233.9623% | 1,634 |
| Earnings coverage of net charge-offs (x) | 38.9245% | 709 |
| Efficiency ratio | 86.3720% | 1,755 |
| Assets per employee ($millions) | 2.3533% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,196 |
| Loan loss allowance to noncurrent loans | 55.6068% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 3,159 |
| Noncurrent loans to loans | 3.5915% | 2,222 |
| Net loans and leases to total assets | 62.5684% | 4,644 |
| Net loans and leases to deposits | 79.8483% | 3,687 |
| Net loans and leases to core deposits | 135.6219% | 387 |
| Total domestic deposits to total assets | 78.3591% | 6,231 |
| Equity capital to assets | 14.2825% | 1,074 |
| Core capital (leverage) ratio | 14.5117% | 852 |
| Tier 1 risk-based capital ratio | 15.4213% | 2,906 |
| Total risk-based capital ratio | 16.6779% | 2,851 |
| Memoranda: | ||
| Average total assets | $470,976,500 | 1,488 |
| Average earning assets | $324,717,000 | 1,923 |
| Average equity | $65,237,000 | 1,022 |
| Average total loans | $297,399,000 | 1,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4402% | 60 |
| Cost of funding earning assets | 4.3758% | 4 |
| Net interest margin | 4.0643% | 2,592 |
| Noninterest income to average assets | 10.0290% | 69 |
| Noninterest expense to average assets | 10.6991% | 92 |
| Loan and lease loss provision to assets | 2.3140% | 880 |
| Net operating income to assets | -0.2303% | 5,876 |
| Return on assets (ROA) | -0.2303% | 5,875 |
| Pretax return on assets | -0.4221% | 5,941 |
| Return on Equity (ROE) | -1.8403% | 5,832 |
| Retained earnings to average equity (ytd only) | -1.8403% | 5,476 |
| Net charge-offs to loans | 2.5515% | 898 |
| Credit loss provision to net charge-offs | 167.1288% | 2,583 |
| Earnings coverage of net charge-offs (x) | 1.3664% | 4,764 |
| Efficiency ratio | 84.9740% | 2,232 |
| Assets per employee ($millions) | 2.5581% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 2,129 |
| Loan loss allowance to noncurrent loans | 106.4140% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 4,798 |
| Noncurrent loans to loans | 1.8365% | 3,877 |
| Net loans and leases to total assets | 61.2476% | 5,151 |
| Net loans and leases to deposits | 76.8250% | 4,603 |
| Net loans and leases to core deposits | 99.0966% | 4,101 |
| Total domestic deposits to total assets | 79.7236% | 5,764 |
| Equity capital to assets | 13.4337% | 1,353 |
| Core capital (leverage) ratio | 13.0991% | 1,225 |
| Tier 1 risk-based capital ratio | 14.3731% | 3,277 |
| Total risk-based capital ratio | 15.6245% | 3,228 |
| Memoranda: | ||
| Average total assets | $520,950,200 | 1,323 |
| Average earning assets | $328,394,000 | 1,891 |
| Average equity | $65,208,400 | 1,017 |
| Average total loans | $282,693,800 | 1,705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0988% | 76 |
| Cost of funding earning assets | 4.6223% | 3 |
| Net interest margin | 3.4764% | 4,966 |
| Noninterest income to average assets | 10.1781% | 71 |
| Noninterest expense to average assets | 10.4746% | 96 |
| Loan and lease loss provision to assets | 0.3306% | 4,359 |
| Net operating income to assets | 0.9438% | 2,254 |
| Return on assets (ROA) | 0.9438% | 2,320 |
| Pretax return on assets | 1.5370% | 1,311 |
| Return on Equity (ROE) | 7.6663% | 2,784 |
| Retained earnings to average equity (ytd only) | 7.6663% | 1,244 |
| Net charge-offs to loans | 0.0330% | 6,432 |
| Credit loss provision to net charge-offs | 1,910.1449% | 202 |
| Earnings coverage of net charge-offs (x) | 107.9103% | 337 |
| Efficiency ratio | 84.8686% | 2,200 |
| Assets per employee ($millions) | 3.4769% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 7,302 |
| Loan loss allowance to noncurrent loans | 228.2520% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 7,068 |
| Noncurrent loans to loans | 0.3205% | 6,716 |
| Net loans and leases to total assets | 57.2931% | 5,994 |
| Net loans and leases to deposits | 71.1843% | 5,776 |
| Net loans and leases to core deposits | 90.3500% | 5,399 |
| Total domestic deposits to total assets | 80.4857% | 5,253 |
| Equity capital to assets | 12.9460% | 1,716 |
| Core capital (leverage) ratio | 13.7754% | 1,147 |
| Tier 1 risk-based capital ratio | 14.4243% | 3,318 |
| Total risk-based capital ratio | 14.9019% | 3,686 |
| Memoranda: | ||
| Average total assets | $531,598,250 | 1,307 |
| Average earning assets | $330,906,750 | 1,893 |
| Average equity | $65,445,250 | 1,025 |
| Average total loans | $278,661,500 | 1,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7607% | 117 |
| Cost of funding earning assets | 5.2272% | 4 |
| Net interest margin | 2.5336% | 7,442 |
| Noninterest income to average assets | 10.3817% | 74 |
| Noninterest expense to average assets | 10.5988% | 105 |
| Loan and lease loss provision to assets | 0.3029% | 4,141 |
| Net operating income to assets | 0.5886% | 3,725 |
| Return on assets (ROA) | 0.5886% | 3,836 |
| Pretax return on assets | 0.9938% | 3,036 |
| Return on Equity (ROE) | 4.8644% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.8644% | 2,579 |
| Net charge-offs to loans | -0.0884% | 7,932 |
| Credit loss provision to net charge-offs | -676.4706% | 7,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0987% | 1,895 |
| Assets per employee ($millions) | 3.4086% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 7,548 |
| Loan loss allowance to noncurrent loans | 306.3796% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 7,246 |
| Noncurrent loans to loans | 0.2115% | 6,987 |
| Net loans and leases to total assets | 59.1945% | 5,806 |
| Net loans and leases to deposits | 73.9405% | 5,461 |
| Net loans and leases to core deposits | 93.9440% | 5,125 |
| Total domestic deposits to total assets | 80.0570% | 5,457 |
| Equity capital to assets | 13.1401% | 1,643 |
| Core capital (leverage) ratio | 13.6787% | 1,218 |
| Tier 1 risk-based capital ratio | 13.9251% | 3,566 |
| Total risk-based capital ratio | 14.3349% | 3,997 |
| Memoranda: | ||
| Average total assets | $531,473,330 | 1,323 |
| Average earning assets | $317,572,670 | 2,004 |
| Average equity | $64,304,000 | 1,055 |
| Average total loans | $269,205,330 | 1,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8230% | 113 |
| Cost of funding earning assets | 5.8258% | 3 |
| Net interest margin | 1.9972% | 7,897 |
| Noninterest income to average assets | 10.2833% | 66 |
| Noninterest expense to average assets | 10.2097% | 109 |
| Loan and lease loss provision to assets | 0.0292% | 6,560 |
| Net operating income to assets | 0.6506% | 3,798 |
| Return on assets (ROA) | 0.6506% | 3,983 |
| Pretax return on assets | 1.1605% | 2,764 |
| Return on Equity (ROE) | 5.5960% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.5960% | 2,826 |
| Net charge-offs to loans | 0.1393% | 3,843 |
| Credit loss provision to net charge-offs | 44.9438% | 4,753 |
| Earnings coverage of net charge-offs (x) | 18.3258% | 1,468 |
| Efficiency ratio | 89.5636% | 1,758 |
| Assets per employee ($millions) | 3.4671% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 7,980 |
| Loan loss allowance to noncurrent loans | 120.3046% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 7,110 |
| Noncurrent loans to loans | 0.3080% | 6,665 |
| Net loans and leases to total assets | 49.3427% | 6,915 |
| Net loans and leases to deposits | 60.1941% | 6,880 |
| Net loans and leases to core deposits | 79.2825% | 6,435 |
| Total domestic deposits to total assets | 81.9727% | 4,558 |
| Equity capital to assets | 12.3649% | 2,048 |
| Core capital (leverage) ratio | 11.7930% | 2,002 |
| Tier 1 risk-based capital ratio | 13.9810% | 3,598 |
| Total risk-based capital ratio | 14.1900% | 4,145 |
| Memoranda: | ||
| Average total assets | $548,383,000 | 1,294 |
| Average earning assets | $306,430,500 | 2,081 |
| Average equity | $63,760,000 | 1,067 |
| Average total loans | $255,555,500 | 1,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8196% | 79 |
| Cost of funding earning assets | 6.4230% | 1 |
| Net interest margin | 2.3966% | 7,853 |
| Noninterest income to average assets | 10.4941% | 75 |
| Noninterest expense to average assets | 10.8838% | 123 |
| Loan and lease loss provision to assets | 0.2322% | 4,573 |
| Net operating income to assets | 0.4531% | 4,940 |
| Return on assets (ROA) | 0.4531% | 4,769 |
| Pretax return on assets | 0.7500% | 4,244 |
| Return on Equity (ROE) | 4.3596% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.3596% | 2,406 |
| Net charge-offs to loans | 1.4607% | 797 |
| Credit loss provision to net charge-offs | 30.1441% | 6,524 |
| Earnings coverage of net charge-offs (x) | 1.2751% | 5,491 |
| Efficiency ratio | 91.7222% | 1,398 |
| Assets per employee ($millions) | 4.0011% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3910% | 7,991 |
| Loan loss allowance to noncurrent loans | 33.2667% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 5,629 |
| Noncurrent loans to loans | 1.1753% | 4,171 |
| Net loans and leases to total assets | 43.8255% | 7,486 |
| Net loans and leases to deposits | 52.2876% | 7,522 |
| Net loans and leases to core deposits | 66.8179% | 7,333 |
| Total domestic deposits to total assets | 83.8162% | 3,420 |
| Equity capital to assets | 10.9698% | 3,069 |
| Core capital (leverage) ratio | 10.7349% | 2,791 |
| Tier 1 risk-based capital ratio | 13.9967% | 3,553 |
| Total risk-based capital ratio | 14.2146% | 4,057 |
| Memoranda: | ||
| Average total assets | $576,636,400 | 1,167 |
| Average earning assets | $330,093,600 | 1,853 |
| Average equity | $59,936,400 | 1,123 |
| Average total loans | $304,103,200 | 1,592 |