Home > Triumph Bank > Performance and Condition Ratios
Triumph Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 1,967 |
| Cost of funding earning assets | 0.8162% | 227 |
| Net interest margin | 3.0081% | 3,282 |
| Noninterest income to average assets | 1.1545% | 857 |
| Noninterest expense to average assets | 3.0298% | 917 |
| Loan and lease loss provision to assets | 0.1960% | 531 |
| Net operating income to assets | 0.6737% | 3,831 |
| Return on assets (ROA) | 0.6737% | 3,891 |
| Pretax return on assets | 0.8459% | 3,806 |
| Return on Equity (ROE) | 6.6849% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.6849% | 2,540 |
| Net charge-offs to loans | -0.0039% | 3,361 |
| Credit loss provision to net charge-offs | -6,147.6190% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4061% | 1,180 |
| Assets per employee ($millions) | 6.5293% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 960 |
| Loan loss allowance to noncurrent loans | 138.4506% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0654% | 598 |
| Noncurrent loans to loans | 1.2885% | 847 |
| Net loans and leases to total assets | 81.2106% | 234 |
| Net loans and leases to deposits | 95.5694% | 361 |
| Net loans and leases to core deposits | 101.9038% | 527 |
| Total domestic deposits to total assets | 84.9755% | 3,121 |
| Equity capital to assets | 10.5496% | 2,421 |
| Core capital (leverage) ratio | 9.9285% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7227% | 2,461 |
| Memoranda: | ||
| Average total assets | $878,055,000 | 1,076 |
| Average earning assets | $851,557,250 | 1,041 |
| Average equity | $88,496,000 | 1,133 |
| Average total loans | $716,447,250 | 878 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 2,149 |
| Cost of funding earning assets | 0.8573% | 223 |
| Net interest margin | 2.9120% | 3,551 |
| Noninterest income to average assets | 1.2046% | 799 |
| Noninterest expense to average assets | 2.9568% | 1,055 |
| Loan and lease loss provision to assets | 0.1798% | 637 |
| Net operating income to assets | 0.6956% | 3,773 |
| Return on assets (ROA) | 0.6956% | 3,840 |
| Pretax return on assets | 0.8947% | 3,676 |
| Return on Equity (ROE) | 7.0067% | 3,656 |
| Retained earnings to average equity (ytd only) | 7.0067% | 2,432 |
| Net charge-offs to loans | -0.0044% | 3,399 |
| Credit loss provision to net charge-offs | -4,975.0000% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3404% | 1,302 |
| Assets per employee ($millions) | 6.0313% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.7329% | 272 |
| Net loans and leases to deposits | 100.0975% | 253 |
| Net loans and leases to core deposits | 107.3151% | 433 |
| Total domestic deposits to total assets | 80.6543% | 4,133 |
| Equity capital to assets | 10.0524% | 2,805 |
| Core capital (leverage) ratio | 9.8685% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8151% | 2,771 |
| Memoranda: | ||
| Average total assets | $885,625,333 | 1,066 |
| Average earning assets | $859,693,333 | 1,023 |
| Average equity | $87,916,333 | 1,130 |
| Average total loans | $719,514,000 | 876 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 2,015 |
| Cost of funding earning assets | 0.9277% | 194 |
| Net interest margin | 2.9017% | 3,517 |
| Noninterest income to average assets | 1.5374% | 578 |
| Noninterest expense to average assets | 2.9388% | 1,091 |
| Loan and lease loss provision to assets | 0.1618% | 778 |
| Net operating income to assets | 0.9400% | 3,008 |
| Return on assets (ROA) | 0.9400% | 3,088 |
| Pretax return on assets | 1.2527% | 2,693 |
| Return on Equity (ROE) | 9.5290% | 2,844 |
| Retained earnings to average equity (ytd only) | 9.5290% | 1,793 |
| Net charge-offs to loans | -0.0140% | 3,826 |
| Credit loss provision to net charge-offs | -1,432.0000% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4971% | 2,009 |
| Assets per employee ($millions) | 5.8798% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 1,203 |
| Loan loss allowance to noncurrent loans | 7,639.8693% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,254 |
| Noncurrent loans to loans | 0.0214% | 4,178 |
| Net loans and leases to total assets | 78.6522% | 423 |
| Net loans and leases to deposits | 93.6080% | 512 |
| Net loans and leases to core deposits | 101.6265% | 643 |
| Total domestic deposits to total assets | 84.0230% | 3,425 |
| Equity capital to assets | 9.8299% | 2,865 |
| Core capital (leverage) ratio | 10.0283% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9537% | 2,688 |
| Memoranda: | ||
| Average total assets | $885,136,000 | 1,051 |
| Average earning assets | $858,939,500 | 1,013 |
| Average equity | $87,312,000 | 1,125 |
| Average total loans | $715,322,000 | 882 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 2,762 |
| Cost of funding earning assets | 1.3423% | 155 |
| Net interest margin | 2.6476% | 4,442 |
| Noninterest income to average assets | 2.3103% | 270 |
| Noninterest expense to average assets | 3.1674% | 1,115 |
| Loan and lease loss provision to assets | 0.5413% | 414 |
| Net operating income to assets | 0.8826% | 2,768 |
| Return on assets (ROA) | 0.8826% | 2,907 |
| Pretax return on assets | 1.1791% | 2,402 |
| Return on Equity (ROE) | 9.3573% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.3573% | 701 |
| Net charge-offs to loans | -0.0030% | 4,040 |
| Credit loss provision to net charge-offs | -22,457.1429% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7872% | 2,707 |
| Assets per employee ($millions) | 5.5831% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 1,356 |
| Loan loss allowance to noncurrent loans | 5,435.0962% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 3,665 |
| Noncurrent loans to loans | 0.0290% | 4,198 |
| Net loans and leases to total assets | 80.3968% | 398 |
| Net loans and leases to deposits | 100.7228% | 343 |
| Net loans and leases to core deposits | 113.8410% | 412 |
| Total domestic deposits to total assets | 79.8199% | 4,074 |
| Equity capital to assets | 9.8993% | 3,217 |
| Core capital (leverage) ratio | 9.5650% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5389% | 2,789 |
| Memoranda: | ||
| Average total assets | $871,221,200 | 991 |
| Average earning assets | $848,170,000 | 954 |
| Average equity | $82,171,400 | 1,127 |
| Average total loans | $694,013,400 | 871 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,087 |
| Cost of funding earning assets | 1.4293% | 154 |
| Net interest margin | 2.5304% | 4,633 |
| Noninterest income to average assets | 2.4364% | 249 |
| Noninterest expense to average assets | 3.1467% | 1,157 |
| Loan and lease loss provision to assets | 0.4215% | 798 |
| Net operating income to assets | 0.9826% | 2,399 |
| Return on assets (ROA) | 0.9826% | 2,536 |
| Pretax return on assets | 1.3327% | 1,929 |
| Return on Equity (ROE) | 10.5500% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.5500% | 667 |
| Net charge-offs to loans | -0.0048% | 4,043 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1908% | 2,706 |
| Assets per employee ($millions) | 6.0080% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 2,394 |
| Loan loss allowance to noncurrent loans | 119.8871% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,217 |
| Noncurrent loans to loans | 1.0419% | 1,434 |
| Net loans and leases to total assets | 79.8436% | 630 |
| Net loans and leases to deposits | 102.1727% | 444 |
| Net loans and leases to core deposits | 121.0035% | 392 |
| Total domestic deposits to total assets | 78.1458% | 4,177 |
| Equity capital to assets | 9.2439% | 3,915 |
| Core capital (leverage) ratio | 9.6566% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2233% | 2,859 |
| Memoranda: | ||
| Average total assets | $869,891,500 | 981 |
| Average earning assets | $847,218,000 | 936 |
| Average equity | $81,021,500 | 1,134 |
| Average total loans | $688,513,000 | 870 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,999 |
| Cost of funding earning assets | 1.5506% | 142 |
| Net interest margin | 2.5687% | 4,686 |
| Noninterest income to average assets | 1.9499% | 304 |
| Noninterest expense to average assets | 3.1368% | 1,272 |
| Loan and lease loss provision to assets | 0.1174% | 2,846 |
| Net operating income to assets | 0.8827% | 2,764 |
| Return on assets (ROA) | 0.8827% | 2,880 |
| Pretax return on assets | 1.1991% | 2,369 |
| Return on Equity (ROE) | 9.4517% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.4517% | 893 |
| Net charge-offs to loans | -0.0173% | 4,366 |
| Credit loss provision to net charge-offs | -862.0690% | 3,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4151% | 1,903 |
| Assets per employee ($millions) | 5.8814% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,515 |
| Loan loss allowance to noncurrent loans | 86.6067% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 1,162 |
| Noncurrent loans to loans | 1.1688% | 1,342 |
| Net loans and leases to total assets | 78.4631% | 793 |
| Net loans and leases to deposits | 96.3847% | 763 |
| Net loans and leases to core deposits | 120.3363% | 416 |
| Total domestic deposits to total assets | 81.4061% | 3,523 |
| Equity capital to assets | 9.3714% | 3,760 |
| Core capital (leverage) ratio | 9.4859% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1045% | 2,940 |
| Memoranda: | ||
| Average total assets | $851,445,333 | 983 |
| Average earning assets | $829,849,667 | 935 |
| Average equity | $79,519,667 | 1,146 |
| Average total loans | $668,657,000 | 882 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 3,055 |
| Cost of funding earning assets | 1.6754% | 146 |
| Net interest margin | 2.5788% | 4,770 |
| Noninterest income to average assets | 1.4836% | 403 |
| Noninterest expense to average assets | 2.9715% | 1,953 |
| Loan and lease loss provision to assets | 0.2401% | 1,295 |
| Net operating income to assets | 0.5833% | 3,649 |
| Return on assets (ROA) | 0.5833% | 3,710 |
| Pretax return on assets | 0.7884% | 3,441 |
| Return on Equity (ROE) | 6.2575% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.2575% | 1,783 |
| Net charge-offs to loans | 0.0412% | 1,625 |
| Credit loss provision to net charge-offs | 746.2687% | 696 |
| Earnings coverage of net charge-offs (x) | 31.9701% | 1,138 |
| Efficiency ratio | 74.2648% | 1,777 |
| Assets per employee ($millions) | 5.5277% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,317 |
| Loan loss allowance to noncurrent loans | 84.2175% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 1,314 |
| Noncurrent loans to loans | 1.2817% | 1,275 |
| Net loans and leases to total assets | 77.3799% | 1,074 |
| Net loans and leases to deposits | 89.3411% | 1,592 |
| Net loans and leases to core deposits | 118.0870% | 530 |
| Total domestic deposits to total assets | 86.6117% | 1,732 |
| Equity capital to assets | 9.4704% | 4,248 |
| Core capital (leverage) ratio | 9.0887% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9996% | 3,102 |
| Memoranda: | ||
| Average total assets | $833,123,500 | 976 |
| Average earning assets | $812,938,000 | 929 |
| Average equity | $77,666,500 | 1,166 |
| Average total loans | $651,011,500 | 883 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,812 |
| Cost of funding earning assets | 1.7749% | 153 |
| Net interest margin | 2.7637% | 4,781 |
| Noninterest income to average assets | 1.2648% | 588 |
| Noninterest expense to average assets | 2.8314% | 2,502 |
| Loan and lease loss provision to assets | 0.0556% | 2,914 |
| Net operating income to assets | 0.8074% | 3,531 |
| Return on assets (ROA) | 0.8074% | 3,620 |
| Pretax return on assets | 1.0630% | 3,292 |
| Return on Equity (ROE) | 8.8959% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.3909% | 3,318 |
| Net charge-offs to loans | 0.0494% | 2,409 |
| Credit loss provision to net charge-offs | 142.4051% | 1,811 |
| Earnings coverage of net charge-offs (x) | 28.6519% | 1,625 |
| Efficiency ratio | 71.6471% | 1,918 |
| Assets per employee ($millions) | 5.5072% | 2,049 |
| Cash dividends to net income (ytd only)* | 61.8822% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,471 |
| Loan loss allowance to noncurrent loans | 72.4625% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 1,141 |
| Noncurrent loans to loans | 1.3872% | 1,058 |
| Net loans and leases to total assets | 77.2741% | 1,211 |
| Net loans and leases to deposits | 89.2158% | 1,673 |
| Net loans and leases to core deposits | 117.6409% | 546 |
| Total domestic deposits to total assets | 86.6148% | 1,799 |
| Equity capital to assets | 9.1757% | 4,589 |
| Core capital (leverage) ratio | 8.8200% | 4,657 |
| Tier 1 risk-based capital ratio | 10.9851% | 4,866 |
| Total risk-based capital ratio | 11.9661% | 4,871 |
| Memoranda: | ||
| Average total assets | $809,433,000 | 964 |
| Average earning assets | $786,414,200 | 923 |
| Average equity | $73,461,200 | 1,174 |
| Average total loans | $640,060,800 | 867 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 2,879 |
| Cost of funding earning assets | 1.7644% | 160 |
| Net interest margin | 2.7906% | 4,867 |
| Noninterest income to average assets | 1.2728% | 567 |
| Noninterest expense to average assets | 2.9058% | 2,248 |
| Loan and lease loss provision to assets | 0.0748% | 2,397 |
| Net operating income to assets | 0.7390% | 3,882 |
| Return on assets (ROA) | 0.7390% | 3,948 |
| Pretax return on assets | 0.9998% | 3,601 |
| Return on Equity (ROE) | 8.1660% | 3,234 |
| Retained earnings to average equity (ytd only) | 3.5763% | 3,616 |
| Net charge-offs to loans | -0.0513% | 4,843 |
| Credit loss provision to net charge-offs | -183.6735% | 4,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9694% | 1,702 |
| Assets per employee ($millions) | 5.5264% | 2,006 |
| Cash dividends to net income (ytd only)* | 56.2050% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,205 |
| Loan loss allowance to noncurrent loans | 76.8186% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 1,186 |
| Noncurrent loans to loans | 1.3862% | 1,107 |
| Net loans and leases to total assets | 78.8380% | 1,014 |
| Net loans and leases to deposits | 92.7767% | 1,341 |
| Net loans and leases to core deposits | 122.7992% | 444 |
| Total domestic deposits to total assets | 84.9761% | 2,434 |
| Equity capital to assets | 9.0879% | 4,735 |
| Core capital (leverage) ratio | 9.1231% | 4,540 |
| Tier 1 risk-based capital ratio | 10.6672% | 5,032 |
| Total risk-based capital ratio | 11.7111% | 5,012 |
| Memoranda: | ||
| Average total assets | $802,517,250 | 973 |
| Average earning assets | $778,648,500 | 930 |
| Average equity | $72,624,250 | 1,180 |
| Average total loans | $636,719,500 | 870 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,661 |
| Cost of funding earning assets | 1.7472% | 157 |
| Net interest margin | 2.8581% | 4,866 |
| Noninterest income to average assets | 0.9152% | 1,050 |
| Noninterest expense to average assets | 2.9346% | 2,181 |
| Loan and lease loss provision to assets | 0.1139% | 1,649 |
| Net operating income to assets | 0.4737% | 4,587 |
| Return on assets (ROA) | 0.4737% | 4,617 |
| Pretax return on assets | 0.6405% | 4,464 |
| Return on Equity (ROE) | 5.2419% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.2419% | 2,644 |
| Net charge-offs to loans | -0.0697% | 4,924 |
| Credit loss provision to net charge-offs | -206.4220% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5086% | 1,009 |
| Assets per employee ($millions) | 5.4277% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,933 |
| Loan loss allowance to noncurrent loans | 69.5116% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 991 |
| Noncurrent loans to loans | 1.6178% | 952 |
| Net loans and leases to total assets | 78.7990% | 1,074 |
| Net loans and leases to deposits | 93.9495% | 1,269 |
| Net loans and leases to core deposits | 127.7373% | 355 |
| Total domestic deposits to total assets | 83.8737% | 2,920 |
| Equity capital to assets | 9.4560% | 4,446 |
| Core capital (leverage) ratio | 9.1508% | 4,509 |
| Tier 1 risk-based capital ratio | 10.9649% | 4,926 |
| Total risk-based capital ratio | 12.0510% | 4,902 |
| Memoranda: | ||
| Average total assets | $790,018,330 | 985 |
| Average earning assets | $766,722,670 | 941 |
| Average equity | $71,385,670 | 1,192 |
| Average total loans | $625,833,330 | 882 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 2,626 |
| Cost of funding earning assets | 1.6834% | 168 |
| Net interest margin | 2.8906% | 4,890 |
| Noninterest income to average assets | 0.6166% | 1,963 |
| Noninterest expense to average assets | 2.8656% | 2,372 |
| Loan and lease loss provision to assets | 0.2282% | 676 |
| Net operating income to assets | 0.2409% | 4,972 |
| Return on assets (ROA) | 0.2409% | 4,976 |
| Pretax return on assets | 0.3240% | 4,932 |
| Return on Equity (ROE) | 2.7294% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.7294% | 3,845 |
| Net charge-offs to loans | -0.0103% | 4,239 |
| Credit loss provision to net charge-offs | -2,812.5000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7982% | 724 |
| Assets per employee ($millions) | 5.6019% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 3,095 |
| Loan loss allowance to noncurrent loans | 371.9677% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,682 |
| Noncurrent loans to loans | 0.2976% | 3,495 |
| Net loans and leases to total assets | 78.0460% | 1,136 |
| Net loans and leases to deposits | 98.8967% | 707 |
| Net loans and leases to core deposits | 130.7613% | 300 |
| Total domestic deposits to total assets | 78.9167% | 4,367 |
| Equity capital to assets | 9.0570% | 4,640 |
| Core capital (leverage) ratio | 9.1035% | 4,568 |
| Tier 1 risk-based capital ratio | 10.8468% | 5,046 |
| Total risk-based capital ratio | 11.9125% | 5,024 |
| Memoranda: | ||
| Average total assets | $788,804,000 | 985 |
| Average earning assets | $764,399,000 | 940 |
| Average equity | $69,611,500 | 1,210 |
| Average total loans | $622,979,000 | 893 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 2,515 |
| Cost of funding earning assets | 1.2819% | 238 |
| Net interest margin | 3.1996% | 4,486 |
| Noninterest income to average assets | 0.9337% | 1,097 |
| Noninterest expense to average assets | 2.8232% | 2,606 |
| Loan and lease loss provision to assets | 0.1261% | 1,738 |
| Net operating income to assets | 0.8186% | 3,732 |
| Return on assets (ROA) | 0.8186% | 3,737 |
| Pretax return on assets | 1.0803% | 3,348 |
| Return on Equity (ROE) | 9.5782% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.1194% | 1,179 |
| Net charge-offs to loans | 0.0613% | 2,255 |
| Credit loss provision to net charge-offs | 263.8889% | 1,135 |
| Earnings coverage of net charge-offs (x) | 25.2389% | 1,781 |
| Efficiency ratio | 70.0122% | 2,185 |
| Assets per employee ($millions) | 5.4705% | 1,986 |
| Cash dividends to net income (ytd only)* | 15.2311% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,483 |
| Loan loss allowance to noncurrent loans | 355.2733% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 3,680 |
| Noncurrent loans to loans | 0.2909% | 3,519 |
| Net loans and leases to total assets | 78.2191% | 1,240 |
| Net loans and leases to deposits | 99.2526% | 798 |
| Net loans and leases to core deposits | 127.0211% | 376 |
| Total domestic deposits to total assets | 78.8081% | 4,346 |
| Equity capital to assets | 8.5922% | 4,876 |
| Core capital (leverage) ratio | 8.5677% | 4,979 |
| Tier 1 risk-based capital ratio | 10.3340% | 5,234 |
| Total risk-based capital ratio | 11.3236% | 5,241 |
| Memoranda: | ||
| Average total assets | $753,148,800 | 1,001 |
| Average earning assets | $728,741,600 | 959 |
| Average equity | $64,364,600 | 1,243 |
| Average total loans | $587,655,200 | 917 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,703 |
| Cost of funding earning assets | 1.1700% | 296 |
| Net interest margin | 3.2064% | 4,499 |
| Noninterest income to average assets | 0.9920% | 972 |
| Noninterest expense to average assets | 2.8380% | 2,504 |
| Loan and lease loss provision to assets | 0.1132% | 1,796 |
| Net operating income to assets | 0.8958% | 3,548 |
| Return on assets (ROA) | 0.8958% | 3,556 |
| Pretax return on assets | 1.1431% | 3,227 |
| Return on Equity (ROE) | 10.4969% | 2,392 |
| Retained earnings to average equity (ytd only) | 10.0772% | 897 |
| Net charge-offs to loans | 0.0134% | 2,949 |
| Credit loss provision to net charge-offs | 1,089.6552% | 385 |
| Earnings coverage of net charge-offs (x) | 120.9505% | 651 |
| Efficiency ratio | 69.2634% | 2,314 |
| Assets per employee ($millions) | 5.5202% | 1,894 |
| Cash dividends to net income (ytd only)* | 3.9984% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,605 |
| Loan loss allowance to noncurrent loans | 341.7998% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 3,765 |
| Noncurrent loans to loans | 0.3005% | 3,602 |
| Net loans and leases to total assets | 78.9002% | 1,183 |
| Net loans and leases to deposits | 98.6092% | 900 |
| Net loans and leases to core deposits | 133.1199% | 282 |
| Total domestic deposits to total assets | 80.0130% | 4,121 |
| Equity capital to assets | 8.3317% | 5,018 |
| Core capital (leverage) ratio | 8.5950% | 5,032 |
| Tier 1 risk-based capital ratio | 10.0639% | 5,370 |
| Total risk-based capital ratio | 11.0380% | 5,380 |
| Memoranda: | ||
| Average total assets | $744,499,500 | 1,003 |
| Average earning assets | $720,329,500 | 965 |
| Average equity | $63,534,500 | 1,259 |
| Average total loans | $578,918,500 | 929 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2687% | 2,878 |
| Cost of funding earning assets | 1.0281% | 411 |
| Net interest margin | 3.2406% | 4,406 |
| Noninterest income to average assets | 1.0941% | 807 |
| Noninterest expense to average assets | 2.8349% | 2,561 |
| Loan and lease loss provision to assets | 0.1198% | 1,648 |
| Net operating income to assets | 0.9423% | 3,263 |
| Return on assets (ROA) | 0.9423% | 3,273 |
| Pretax return on assets | 1.2735% | 2,622 |
| Return on Equity (ROE) | 10.9496% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.9496% | 684 |
| Net charge-offs to loans | 0.0188% | 2,518 |
| Credit loss provision to net charge-offs | 826.4151% | 488 |
| Earnings coverage of net charge-offs (x) | 96.1321% | 716 |
| Efficiency ratio | 66.9965% | 2,823 |
| Assets per employee ($millions) | 5.7045% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,728 |
| Loan loss allowance to noncurrent loans | 310.3637% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 3,730 |
| Noncurrent loans to loans | 0.3282% | 3,525 |
| Net loans and leases to total assets | 78.0290% | 1,307 |
| Net loans and leases to deposits | 99.2786% | 855 |
| Net loans and leases to core deposits | 127.0766% | 389 |
| Total domestic deposits to total assets | 78.5961% | 4,491 |
| Equity capital to assets | 8.2924% | 5,081 |
| Core capital (leverage) ratio | 9.0319% | 4,664 |
| Tier 1 risk-based capital ratio | 10.1230% | 5,396 |
| Total risk-based capital ratio | 11.0947% | 5,410 |
| Memoranda: | ||
| Average total assets | $731,374,330 | 1,016 |
| Average earning assets | $707,331,000 | 977 |
| Average equity | $62,942,670 | 1,272 |
| Average total loans | $563,592,000 | 945 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 2,648 |
| Cost of funding earning assets | 0.9016% | 588 |
| Net interest margin | 3.3657% | 4,009 |
| Noninterest income to average assets | 0.9922% | 923 |
| Noninterest expense to average assets | 2.9066% | 2,342 |
| Loan and lease loss provision to assets | 0.1861% | 914 |
| Net operating income to assets | 0.8506% | 3,502 |
| Return on assets (ROA) | 0.8506% | 3,519 |
| Pretax return on assets | 1.1484% | 2,972 |
| Return on Equity (ROE) | 9.6904% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.6904% | 1,257 |
| Net charge-offs to loans | 0.0408% | 1,719 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 43.0182% | 1,027 |
| Efficiency ratio | 68.4666% | 2,757 |
| Assets per employee ($millions) | 5.2338% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 3,129 |
| Loan loss allowance to noncurrent loans | 280.9458% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,580 |
| Noncurrent loans to loans | 0.4067% | 3,331 |
| Net loans and leases to total assets | 76.0583% | 1,534 |
| Net loans and leases to deposits | 104.9547% | 431 |
| Net loans and leases to core deposits | 128.0993% | 374 |
| Total domestic deposits to total assets | 72.4677% | 5,254 |
| Equity capital to assets | 8.9639% | 4,596 |
| Core capital (leverage) ratio | 9.1588% | 4,494 |
| Tier 1 risk-based capital ratio | 10.4849% | 5,354 |
| Total risk-based capital ratio | 11.5052% | 5,353 |
| Memoranda: | ||
| Average total assets | $709,154,000 | 1,056 |
| Average earning assets | $684,549,500 | 1,016 |
| Average equity | $62,247,000 | 1,287 |
| Average total loans | $539,593,000 | 978 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 2,639 |
| Cost of funding earning assets | 0.7934% | 643 |
| Net interest margin | 3.4190% | 3,791 |
| Noninterest income to average assets | 0.6468% | 2,217 |
| Noninterest expense to average assets | 2.9138% | 2,406 |
| Loan and lease loss provision to assets | 0.1743% | 1,251 |
| Net operating income to assets | 0.7297% | 3,471 |
| Return on assets (ROA) | 0.7297% | 3,511 |
| Pretax return on assets | 0.8609% | 4,048 |
| Return on Equity (ROE) | 7.9082% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.0806% | 1,044 |
| Net charge-offs to loans | 0.1041% | 2,020 |
| Credit loss provision to net charge-offs | 214.0713% | 1,277 |
| Earnings coverage of net charge-offs (x) | 12.7167% | 2,446 |
| Efficiency ratio | 73.7044% | 1,940 |
| Assets per employee ($millions) | 5.5554% | 1,885 |
| Cash dividends to net income (ytd only)* | 10.4646% | 3,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,476 |
| Loan loss allowance to noncurrent loans | 214.3014% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,351 |
| Noncurrent loans to loans | 0.5016% | 3,020 |
| Net loans and leases to total assets | 74.4635% | 1,844 |
| Net loans and leases to deposits | 82.8665% | 2,624 |
| Net loans and leases to core deposits | 101.2416% | 1,611 |
| Total domestic deposits to total assets | 89.8596% | 619 |
| Equity capital to assets | 8.5981% | 5,042 |
| Core capital (leverage) ratio | 8.8208% | 4,841 |
| Tier 1 risk-based capital ratio | 10.1855% | 5,487 |
| Total risk-based capital ratio | 11.1565% | 5,512 |
| Memoranda: | ||
| Average total assets | $654,746,000 | 1,110 |
| Average earning assets | $632,368,800 | 1,068 |
| Average equity | $60,418,600 | 1,304 |
| Average total loans | $511,957,400 | 1,003 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,596 |
| Cost of funding earning assets | 0.7641% | 706 |
| Net interest margin | 3.4409% | 3,705 |
| Noninterest income to average assets | 1.1212% | 806 |
| Noninterest expense to average assets | 2.9395% | 2,281 |
| Loan and lease loss provision to assets | 0.1536% | 1,350 |
| Net operating income to assets | 0.8739% | 3,153 |
| Return on assets (ROA) | 0.8739% | 3,205 |
| Pretax return on assets | 1.3545% | 2,264 |
| Return on Equity (ROE) | 9.2910% | 2,451 |
| Retained earnings to average equity (ytd only) | 8.1799% | 1,146 |
| Net charge-offs to loans | 0.0042% | 3,580 |
| Credit loss provision to net charge-offs | 4,593.7500% | 94 |
| Earnings coverage of net charge-offs (x) | 450.9967% | 217 |
| Efficiency ratio | 66.0118% | 3,208 |
| Assets per employee ($millions) | 5.4671% | 1,956 |
| Cash dividends to net income (ytd only)* | 11.9589% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,485 |
| Loan loss allowance to noncurrent loans | 155.6456% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 2,844 |
| Noncurrent loans to loans | 0.7058% | 2,595 |
| Net loans and leases to total assets | 78.4460% | 1,207 |
| Net loans and leases to deposits | 100.2225% | 729 |
| Net loans and leases to core deposits | 127.1942% | 384 |
| Total domestic deposits to total assets | 78.2719% | 4,679 |
| Equity capital to assets | 9.0949% | 4,825 |
| Core capital (leverage) ratio | 9.2009% | 4,518 |
| Tier 1 risk-based capital ratio | 10.4173% | 5,480 |
| Total risk-based capital ratio | 11.4433% | 5,504 |
| Memoranda: | ||
| Average total assets | $637,880,500 | 1,143 |
| Average earning assets | $616,640,000 | 1,100 |
| Average equity | $59,999,250 | 1,319 |
| Average total loans | $504,040,500 | 1,019 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 2,500 |
| Cost of funding earning assets | 0.7321% | 754 |
| Net interest margin | 3.4602% | 3,543 |
| Noninterest income to average assets | 1.1903% | 718 |
| Noninterest expense to average assets | 2.9767% | 2,183 |
| Loan and lease loss provision to assets | 0.1558% | 1,287 |
| Net operating income to assets | 0.9041% | 2,894 |
| Return on assets (ROA) | 0.9041% | 2,944 |
| Pretax return on assets | 1.3990% | 2,026 |
| Return on Equity (ROE) | 9.4971% | 2,276 |
| Retained earnings to average equity (ytd only) | 7.8103% | 1,233 |
| Net charge-offs to loans | 0.0073% | 3,196 |
| Credit loss provision to net charge-offs | 2,694.4444% | 162 |
| Earnings coverage of net charge-offs (x) | 268.9444% | 321 |
| Efficiency ratio | 65.6035% | 3,411 |
| Assets per employee ($millions) | 5.3845% | 1,982 |
| Cash dividends to net income (ytd only)* | 17.7620% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 3,450 |
| Loan loss allowance to noncurrent loans | 336.1226% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 4,065 |
| Noncurrent loans to loans | 0.3343% | 3,846 |
| Net loans and leases to total assets | 78.3300% | 1,192 |
| Net loans and leases to deposits | 94.8571% | 1,191 |
| Net loans and leases to core deposits | 123.9931% | 437 |
| Total domestic deposits to total assets | 82.5768% | 3,688 |
| Equity capital to assets | 9.5040% | 4,396 |
| Core capital (leverage) ratio | 9.3238% | 4,334 |
| Tier 1 risk-based capital ratio | 10.6619% | 5,397 |
| Total risk-based capital ratio | 11.6918% | 5,409 |
| Memoranda: | ||
| Average total assets | $622,710,330 | 1,167 |
| Average earning assets | $601,288,000 | 1,124 |
| Average equity | $59,281,000 | 1,332 |
| Average total loans | $491,371,330 | 1,046 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9689% | 3,147 |
| Cost of funding earning assets | 0.6651% | 1,002 |
| Net interest margin | 3.3038% | 3,994 |
| Noninterest income to average assets | 1.2410% | 663 |
| Noninterest expense to average assets | 2.9527% | 2,292 |
| Loan and lease loss provision to assets | 0.2738% | 526 |
| Net operating income to assets | 0.7815% | 3,301 |
| Return on assets (ROA) | 0.7815% | 3,356 |
| Pretax return on assets | 1.2071% | 2,567 |
| Return on Equity (ROE) | 8.2021% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.2021% | 1,376 |
| Net charge-offs to loans | -0.0033% | 4,078 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4951% | 3,414 |
| Assets per employee ($millions) | 5.3576% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,584 |
| Loan loss allowance to noncurrent loans | 325.6617% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,109 |
| Noncurrent loans to loans | 0.3441% | 3,870 |
| Net loans and leases to total assets | 79.0100% | 982 |
| Net loans and leases to deposits | 104.9037% | 364 |
| Net loans and leases to core deposits | 139.9416% | 169 |
| Total domestic deposits to total assets | 75.3167% | 5,309 |
| Equity capital to assets | 9.3672% | 4,426 |
| Core capital (leverage) ratio | 9.8017% | 3,753 |
| Tier 1 risk-based capital ratio | 10.6836% | 5,465 |
| Total risk-based capital ratio | 11.7281% | 5,479 |
| Memoranda: | ||
| Average total assets | $613,685,000 | 1,182 |
| Average earning assets | $593,009,000 | 1,138 |
| Average equity | $58,472,500 | 1,344 |
| Average total loans | $483,251,000 | 1,056 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,385 |
| Cost of funding earning assets | 0.6188% | 1,221 |
| Net interest margin | 3.6114% | 3,037 |
| Noninterest income to average assets | 1.0371% | 1,050 |
| Noninterest expense to average assets | 2.9577% | 2,470 |
| Loan and lease loss provision to assets | 0.0468% | 3,454 |
| Net operating income to assets | 0.9791% | 2,440 |
| Return on assets (ROA) | 0.9791% | 2,551 |
| Pretax return on assets | 1.5234% | 1,510 |
| Return on Equity (ROE) | 9.7352% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.7352% | 459 |
| Net charge-offs to loans | 0.0830% | 2,502 |
| Credit loss provision to net charge-offs | 70.1087% | 3,133 |
| Earnings coverage of net charge-offs (x) | 23.5408% | 1,675 |
| Efficiency ratio | 65.2056% | 3,731 |
| Assets per employee ($millions) | 5.0870% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 3,516 |
| Loan loss allowance to noncurrent loans | 399.0854% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,426 |
| Noncurrent loans to loans | 0.2844% | 4,134 |
| Net loans and leases to total assets | 76.6344% | 1,417 |
| Net loans and leases to deposits | 100.2955% | 655 |
| Net loans and leases to core deposits | 133.6053% | 242 |
| Total domestic deposits to total assets | 76.4086% | 5,193 |
| Equity capital to assets | 9.6989% | 4,073 |
| Core capital (leverage) ratio | 10.0552% | 3,422 |
| Tier 1 risk-based capital ratio | 10.9507% | 5,366 |
| Total risk-based capital ratio | 11.9634% | 5,392 |
| Memoranda: | ||
| Average total assets | $551,715,600 | 1,257 |
| Average earning assets | $533,286,600 | 1,203 |
| Average equity | $55,489,200 | 1,383 |
| Average total loans | $443,338,600 | 1,100 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,162 |
| Cost of funding earning assets | 0.6146% | 1,242 |
| Net interest margin | 3.6862% | 2,772 |
| Noninterest income to average assets | 1.0499% | 1,031 |
| Noninterest expense to average assets | 3.0130% | 2,283 |
| Loan and lease loss provision to assets | 0.0636% | 2,971 |
| Net operating income to assets | 0.9920% | 2,471 |
| Return on assets (ROA) | 0.9920% | 2,614 |
| Pretax return on assets | 1.5380% | 1,578 |
| Return on Equity (ROE) | 9.7691% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.7691% | 625 |
| Net charge-offs to loans | 0.1197% | 1,755 |
| Credit loss provision to net charge-offs | 65.4822% | 2,851 |
| Earnings coverage of net charge-offs (x) | 16.4899% | 2,108 |
| Efficiency ratio | 65.1744% | 3,736 |
| Assets per employee ($millions) | 5.1552% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,427 |
| Loan loss allowance to noncurrent loans | 384.2183% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 4,464 |
| Noncurrent loans to loans | 0.3045% | 4,161 |
| Net loans and leases to total assets | 79.0485% | 1,032 |
| Net loans and leases to deposits | 101.6744% | 596 |
| Net loans and leases to core deposits | 131.8917% | 273 |
| Total domestic deposits to total assets | 77.7467% | 4,956 |
| Equity capital to assets | 10.3012% | 3,802 |
| Core capital (leverage) ratio | 10.1902% | 3,341 |
| Tier 1 risk-based capital ratio | 11.1454% | 5,290 |
| Total risk-based capital ratio | 12.1999% | 5,310 |
| Memoranda: | ||
| Average total assets | $540,850,000 | 1,282 |
| Average earning assets | $523,023,000 | 1,224 |
| Average equity | $54,920,250 | 1,408 |
| Average total loans | $438,836,500 | 1,114 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,204 |
| Cost of funding earning assets | 0.6115% | 1,236 |
| Net interest margin | 3.6723% | 2,816 |
| Noninterest income to average assets | 0.8877% | 1,412 |
| Noninterest expense to average assets | 3.0208% | 2,275 |
| Loan and lease loss provision to assets | 0.0964% | 2,230 |
| Net operating income to assets | 0.8530% | 3,085 |
| Return on assets (ROA) | 0.8530% | 3,202 |
| Pretax return on assets | 1.3228% | 2,310 |
| Return on Equity (ROE) | 8.4422% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.4422% | 1,030 |
| Net charge-offs to loans | 0.1818% | 1,255 |
| Credit loss provision to net charge-offs | 64.9874% | 2,521 |
| Earnings coverage of net charge-offs (x) | 9.5718% | 2,413 |
| Efficiency ratio | 67.9115% | 3,360 |
| Assets per employee ($millions) | 5.3816% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,441 |
| Loan loss allowance to noncurrent loans | 375.4867% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 4,479 |
| Noncurrent loans to loans | 0.3154% | 4,232 |
| Net loans and leases to total assets | 79.9543% | 915 |
| Net loans and leases to deposits | 96.0649% | 1,074 |
| Net loans and leases to core deposits | 128.7881% | 318 |
| Total domestic deposits to total assets | 83.2294% | 3,564 |
| Equity capital to assets | 10.2645% | 3,905 |
| Core capital (leverage) ratio | 9.9057% | 3,675 |
| Tier 1 risk-based capital ratio | 11.4267% | 5,202 |
| Total risk-based capital ratio | 12.5426% | 5,181 |
| Memoranda: | ||
| Average total assets | $535,546,000 | 1,298 |
| Average earning assets | $518,037,330 | 1,241 |
| Average equity | $54,109,330 | 1,431 |
| Average total loans | $436,674,670 | 1,120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,222 |
| Cost of funding earning assets | 0.6001% | 1,337 |
| Net interest margin | 3.6750% | 2,781 |
| Noninterest income to average assets | 0.7209% | 1,932 |
| Noninterest expense to average assets | 3.0485% | 2,248 |
| Loan and lease loss provision to assets | 0.0813% | 2,332 |
| Net operating income to assets | 0.7412% | 3,528 |
| Return on assets (ROA) | 0.7412% | 3,635 |
| Pretax return on assets | 1.1491% | 2,894 |
| Return on Equity (ROE) | 7.3966% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.3966% | 1,709 |
| Net charge-offs to loans | 0.1636% | 1,151 |
| Credit loss provision to net charge-offs | 60.6742% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.1854% | 2,005 |
| Efficiency ratio | 71.1045% | 2,935 |
| Assets per employee ($millions) | 5.3195% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,500 |
| Loan loss allowance to noncurrent loans | 489.4249% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 4,753 |
| Noncurrent loans to loans | 0.2446% | 4,556 |
| Net loans and leases to total assets | 81.0598% | 677 |
| Net loans and leases to deposits | 103.2859% | 446 |
| Net loans and leases to core deposits | 131.6775% | 246 |
| Total domestic deposits to total assets | 78.4810% | 5,061 |
| Equity capital to assets | 10.0277% | 4,041 |
| Core capital (leverage) ratio | 9.9506% | 3,596 |
| Tier 1 risk-based capital ratio | 11.1525% | 5,423 |
| Total risk-based capital ratio | 12.2844% | 5,396 |
| Memoranda: | ||
| Average total assets | $531,548,000 | 1,307 |
| Average earning assets | $514,616,000 | 1,251 |
| Average equity | $53,268,000 | 1,443 |
| Average total loans | $435,115,500 | 1,117 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 1,997 |
| Cost of funding earning assets | 0.6150% | 1,280 |
| Net interest margin | 3.7553% | 2,536 |
| Noninterest income to average assets | 0.8574% | 1,583 |
| Noninterest expense to average assets | 2.8693% | 2,967 |
| Loan and lease loss provision to assets | 0.0619% | 3,063 |
| Net operating income to assets | 0.9989% | 2,366 |
| Return on assets (ROA) | 0.9992% | 2,464 |
| Pretax return on assets | 1.5534% | 1,390 |
| Return on Equity (ROE) | 10.4004% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.4004% | 409 |
| Net charge-offs to loans | 0.0794% | 2,682 |
| Credit loss provision to net charge-offs | 96.3415% | 2,632 |
| Earnings coverage of net charge-offs (x) | 25.1494% | 1,639 |
| Efficiency ratio | 63.8435% | 4,304 |
| Assets per employee ($millions) | 5.2062% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 3,213 |
| Loan loss allowance to noncurrent loans | 310.0928% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,273 |
| Noncurrent loans to loans | 0.4014% | 4,017 |
| Net loans and leases to total assets | 80.6539% | 753 |
| Net loans and leases to deposits | 98.5566% | 777 |
| Net loans and leases to core deposits | 123.8592% | 381 |
| Total domestic deposits to total assets | 81.8351% | 4,212 |
| Equity capital to assets | 10.0147% | 3,942 |
| Core capital (leverage) ratio | 9.9727% | 3,549 |
| Tier 1 risk-based capital ratio | 10.9081% | 5,568 |
| Total risk-based capital ratio | 12.0520% | 5,535 |
| Memoranda: | ||
| Average total assets | $510,822,400 | 1,312 |
| Average earning assets | $493,328,800 | 1,264 |
| Average equity | $49,075,200 | 1,525 |
| Average total loans | $413,076,200 | 1,111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 1,906 |
| Cost of funding earning assets | 0.6312% | 1,207 |
| Net interest margin | 3.7742% | 2,478 |
| Noninterest income to average assets | 0.8861% | 1,492 |
| Noninterest expense to average assets | 2.9050% | 2,833 |
| Loan and lease loss provision to assets | 0.0789% | 2,596 |
| Net operating income to assets | 1.0076% | 2,435 |
| Return on assets (ROA) | 1.0076% | 2,525 |
| Pretax return on assets | 1.5466% | 1,550 |
| Return on Equity (ROE) | 10.6046% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.6046% | 537 |
| Net charge-offs to loans | 0.1438% | 1,686 |
| Credit loss provision to net charge-offs | 68.0272% | 2,800 |
| Earnings coverage of net charge-offs (x) | 14.0180% | 2,276 |
| Efficiency ratio | 63.9756% | 4,252 |
| Assets per employee ($millions) | 5.2011% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 3,428 |
| Loan loss allowance to noncurrent loans | 246.7833% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 4,127 |
| Noncurrent loans to loans | 0.5026% | 3,847 |
| Net loans and leases to total assets | 80.6790% | 727 |
| Net loans and leases to deposits | 96.4794% | 959 |
| Net loans and leases to core deposits | 121.7344% | 429 |
| Total domestic deposits to total assets | 83.6230% | 3,564 |
| Equity capital to assets | 9.7581% | 4,437 |
| Core capital (leverage) ratio | 9.6334% | 4,134 |
| Tier 1 risk-based capital ratio | 10.7832% | 5,761 |
| Total risk-based capital ratio | 11.9473% | 5,731 |
| Memoranda: | ||
| Average total assets | $507,071,500 | 1,328 |
| Average earning assets | $489,630,500 | 1,283 |
| Average equity | $48,179,000 | 1,553 |
| Average total loans | $408,984,000 | 1,125 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 1,735 |
| Cost of funding earning assets | 0.6484% | 1,115 |
| Net interest margin | 3.7849% | 2,387 |
| Noninterest income to average assets | 0.8147% | 1,718 |
| Noninterest expense to average assets | 2.9204% | 2,816 |
| Loan and lease loss provision to assets | 0.1189% | 1,862 |
| Net operating income to assets | 0.9527% | 2,619 |
| Return on assets (ROA) | 0.9527% | 2,737 |
| Pretax return on assets | 1.4253% | 1,884 |
| Return on Equity (ROE) | 10.1200% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.1200% | 641 |
| Net charge-offs to loans | 0.1965% | 1,276 |
| Credit loss provision to net charge-offs | 75.3769% | 2,392 |
| Earnings coverage of net charge-offs (x) | 9.7864% | 2,420 |
| Efficiency ratio | 65.2606% | 4,139 |
| Assets per employee ($millions) | 5.0186% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,188 |
| Loan loss allowance to noncurrent loans | 256.5090% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 4,239 |
| Noncurrent loans to loans | 0.5109% | 3,922 |
| Net loans and leases to total assets | 80.5589% | 730 |
| Net loans and leases to deposits | 93.0159% | 1,253 |
| Net loans and leases to core deposits | 121.6701% | 424 |
| Total domestic deposits to total assets | 86.6077% | 2,369 |
| Equity capital to assets | 9.8514% | 4,217 |
| Core capital (leverage) ratio | 9.3989% | 4,420 |
| Tier 1 risk-based capital ratio | 10.7516% | 5,823 |
| Total risk-based capital ratio | 11.9589% | 5,777 |
| Memoranda: | ||
| Average total assets | $504,460,000 | 1,344 |
| Average earning assets | $486,465,330 | 1,299 |
| Average equity | $47,490,330 | 1,578 |
| Average total loans | $405,099,330 | 1,134 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,044 |
| Cost of funding earning assets | 0.6622% | 1,033 |
| Net interest margin | 3.6533% | 2,799 |
| Noninterest income to average assets | 0.6719% | 2,298 |
| Noninterest expense to average assets | 2.8036% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9906% | 2,307 |
| Return on assets (ROA) | 0.9906% | 2,436 |
| Pretax return on assets | 1.3892% | 1,929 |
| Return on Equity (ROE) | 10.7637% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.7637% | 759 |
| Net charge-offs to loans | 0.0216% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 80.6364% | 588 |
| Efficiency ratio | 66.6978% | 4,032 |
| Assets per employee ($millions) | 5.0392% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,255.5294% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 5,425 |
| Noncurrent loans to loans | 0.1044% | 5,384 |
| Net loans and leases to total assets | 79.6948% | 720 |
| Net loans and leases to deposits | 93.2355% | 1,064 |
| Net loans and leases to core deposits | 116.0025% | 521 |
| Total domestic deposits to total assets | 85.4769% | 3,188 |
| Equity capital to assets | 9.4956% | 4,759 |
| Core capital (leverage) ratio | 9.1548% | 4,784 |
| Tier 1 risk-based capital ratio | 10.2885% | 6,081 |
| Total risk-based capital ratio | 11.4906% | 6,047 |
| Memoranda: | ||
| Average total assets | $510,780,500 | 1,338 |
| Average earning assets | $492,265,000 | 1,286 |
| Average equity | $47,010,000 | 1,592 |
| Average total loans | $406,916,500 | 1,131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,780 |
| Cost of funding earning assets | 0.6777% | 1,218 |
| Net interest margin | 3.8455% | 2,442 |
| Noninterest income to average assets | 0.5377% | 3,256 |
| Noninterest expense to average assets | 2.7010% | 3,859 |
| Loan and lease loss provision to assets | 0.2388% | 992 |
| Net operating income to assets | 0.8145% | 3,300 |
| Return on assets (ROA) | 0.8145% | 3,389 |
| Pretax return on assets | 1.2882% | 2,282 |
| Return on Equity (ROE) | 8.9803% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.9803% | 710 |
| Net charge-offs to loans | 0.2454% | 1,743 |
| Credit loss provision to net charge-offs | 118.6528% | 2,030 |
| Earnings coverage of net charge-offs (x) | 7.5865% | 3,014 |
| Efficiency ratio | 63.7000% | 4,630 |
| Assets per employee ($millions) | 5.3386% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,816.6102% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 5,491 |
| Noncurrent loans to loans | 0.0725% | 5,587 |
| Net loans and leases to total assets | 77.5409% | 1,067 |
| Net loans and leases to deposits | 85.5102% | 2,040 |
| Net loans and leases to core deposits | 107.1190% | 948 |
| Total domestic deposits to total assets | 90.6803% | 474 |
| Equity capital to assets | 8.9158% | 5,368 |
| Core capital (leverage) ratio | 8.8753% | 5,151 |
| Tier 1 risk-based capital ratio | 10.2723% | 6,189 |
| Total risk-based capital ratio | 11.5156% | 6,135 |
| Memoranda: | ||
| Average total assets | $479,411,400 | 1,393 |
| Average earning assets | $460,071,600 | 1,335 |
| Average equity | $43,484,000 | 1,656 |
| Average total loans | $393,230,800 | 1,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 1,695 |
| Cost of funding earning assets | 0.6607% | 1,387 |
| Net interest margin | 3.8925% | 2,274 |
| Noninterest income to average assets | 0.5335% | 3,302 |
| Noninterest expense to average assets | 2.7469% | 3,647 |
| Loan and lease loss provision to assets | 0.3250% | 574 |
| Net operating income to assets | 0.7455% | 3,694 |
| Return on assets (ROA) | 0.7455% | 3,793 |
| Pretax return on assets | 1.1920% | 2,810 |
| Return on Equity (ROE) | 8.1812% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.1812% | 1,275 |
| Net charge-offs to loans | 0.3215% | 1,241 |
| Credit loss provision to net charge-offs | 121.8085% | 1,895 |
| Earnings coverage of net charge-offs (x) | 5.6862% | 3,215 |
| Efficiency ratio | 64.2306% | 4,501 |
| Assets per employee ($millions) | 5.1661% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 3,666 |
| Loan loss allowance to noncurrent loans | 1,059.8425% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,483 |
| Noncurrent loans to loans | 0.1223% | 5,562 |
| Net loans and leases to total assets | 81.8261% | 531 |
| Net loans and leases to deposits | 93.5639% | 1,077 |
| Net loans and leases to core deposits | 120.2502% | 394 |
| Total domestic deposits to total assets | 87.4547% | 2,055 |
| Equity capital to assets | 8.8920% | 5,470 |
| Core capital (leverage) ratio | 8.6903% | 5,451 |
| Tier 1 risk-based capital ratio | 9.6552% | 6,414 |
| Total risk-based capital ratio | 10.8692% | 6,394 |
| Memoranda: | ||
| Average total assets | $469,802,500 | 1,434 |
| Average earning assets | $450,225,750 | 1,377 |
| Average equity | $42,812,500 | 1,688 |
| Average total loans | $389,813,000 | 1,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 1,733 |
| Cost of funding earning assets | 0.6382% | 1,604 |
| Net interest margin | 3.8926% | 2,199 |
| Noninterest income to average assets | 0.3396% | 4,713 |
| Noninterest expense to average assets | 2.7690% | 3,614 |
| Loan and lease loss provision to assets | 0.2852% | 706 |
| Net operating income to assets | 0.6326% | 4,192 |
| Return on assets (ROA) | 0.6326% | 4,294 |
| Pretax return on assets | 1.0031% | 3,464 |
| Return on Equity (ROE) | 6.8813% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.8813% | 1,823 |
| Net charge-offs to loans | 0.3090% | 1,311 |
| Credit loss provision to net charge-offs | 111.2054% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.0238% | 2,999 |
| Efficiency ratio | 68.0331% | 4,002 |
| Assets per employee ($millions) | 5.2493% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 3,854 |
| Loan loss allowance to noncurrent loans | 382.0102% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 4,789 |
| Noncurrent loans to loans | 0.3401% | 4,991 |
| Net loans and leases to total assets | 81.6179% | 502 |
| Net loans and leases to deposits | 92.7768% | 1,070 |
| Net loans and leases to core deposits | 119.6996% | 388 |
| Total domestic deposits to total assets | 87.9723% | 1,911 |
| Equity capital to assets | 8.8744% | 5,435 |
| Core capital (leverage) ratio | 9.1426% | 4,825 |
| Tier 1 risk-based capital ratio | 9.5969% | 6,479 |
| Total risk-based capital ratio | 10.8061% | 6,468 |
| Memoranda: | ||
| Average total assets | $459,365,670 | 1,459 |
| Average earning assets | $438,725,670 | 1,405 |
| Average equity | $42,230,330 | 1,700 |
| Average total loans | $381,275,670 | 1,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,881 |
| Cost of funding earning assets | 0.6268% | 1,757 |
| Net interest margin | 3.8487% | 2,275 |
| Noninterest income to average assets | 0.2445% | 5,403 |
| Noninterest expense to average assets | 2.7796% | 3,643 |
| Loan and lease loss provision to assets | 0.0899% | 2,415 |
| Net operating income to assets | 0.6688% | 3,846 |
| Return on assets (ROA) | 0.6688% | 3,934 |
| Pretax return on assets | 1.0626% | 3,074 |
| Return on Equity (ROE) | 7.1394% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.1394% | 1,960 |
| Net charge-offs to loans | -0.0281% | 5,520 |
| Credit loss provision to net charge-offs | -384.6154% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4618% | 3,749 |
| Assets per employee ($millions) | 5.0894% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 3,566 |
| Loan loss allowance to noncurrent loans | 415.5051% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 4,685 |
| Noncurrent loans to loans | 0.3388% | 5,099 |
| Net loans and leases to total assets | 82.0521% | 352 |
| Net loans and leases to deposits | 96.0109% | 658 |
| Net loans and leases to core deposits | 121.9975% | 288 |
| Total domestic deposits to total assets | 85.4612% | 3,637 |
| Equity capital to assets | 9.3258% | 4,727 |
| Core capital (leverage) ratio | 9.2828% | 4,600 |
| Tier 1 risk-based capital ratio | 10.3766% | 6,372 |
| Total risk-based capital ratio | 11.6279% | 6,332 |
| Memoranda: | ||
| Average total assets | $444,958,000 | 1,506 |
| Average earning assets | $426,320,500 | 1,456 |
| Average equity | $41,684,000 | 1,714 |
| Average total loans | $370,069,500 | 1,196 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,640 |
| Cost of funding earning assets | 0.6544% | 2,176 |
| Net interest margin | 4.0202% | 1,895 |
| Noninterest income to average assets | 0.3359% | 4,917 |
| Noninterest expense to average assets | 2.5522% | 4,606 |
| Loan and lease loss provision to assets | 0.2535% | 1,424 |
| Net operating income to assets | 0.8175% | 3,201 |
| Return on assets (ROA) | 0.8175% | 3,298 |
| Pretax return on assets | 1.3841% | 1,851 |
| Return on Equity (ROE) | 8.6630% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.6630% | 858 |
| Net charge-offs to loans | 0.0411% | 4,648 |
| Credit loss provision to net charge-offs | 760.7143% | 323 |
| Earnings coverage of net charge-offs (x) | 49.1357% | 806 |
| Efficiency ratio | 60.6761% | 5,392 |
| Assets per employee ($millions) | 5.0809% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,525 |
| Loan loss allowance to noncurrent loans | 565.3930% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 4,965 |
| Noncurrent loans to loans | 0.2522% | 5,428 |
| Net loans and leases to total assets | 81.9284% | 421 |
| Net loans and leases to deposits | 93.9878% | 880 |
| Net loans and leases to core deposits | 119.1472% | 346 |
| Total domestic deposits to total assets | 87.1692% | 2,638 |
| Equity capital to assets | 9.4119% | 4,536 |
| Core capital (leverage) ratio | 9.2976% | 4,553 |
| Tier 1 risk-based capital ratio | 10.5795% | 6,341 |
| Total risk-based capital ratio | 11.8288% | 6,302 |
| Memoranda: | ||
| Average total assets | $420,065,000 | 1,573 |
| Average earning assets | $402,688,400 | 1,505 |
| Average equity | $39,640,000 | 1,764 |
| Average total loans | $340,477,400 | 1,256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,697 |
| Cost of funding earning assets | 0.6616% | 2,248 |
| Net interest margin | 4.0036% | 1,932 |
| Noninterest income to average assets | 0.2494% | 5,647 |
| Noninterest expense to average assets | 2.5233% | 4,645 |
| Loan and lease loss provision to assets | 0.3376% | 968 |
| Net operating income to assets | 0.7307% | 3,697 |
| Return on assets (ROA) | 0.7307% | 3,825 |
| Pretax return on assets | 1.2280% | 2,587 |
| Return on Equity (ROE) | 7.7380% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.7380% | 1,530 |
| Net charge-offs to loans | 0.0988% | 3,569 |
| Credit loss provision to net charge-offs | 424.5968% | 626 |
| Earnings coverage of net charge-offs (x) | 19.6894% | 1,624 |
| Efficiency ratio | 61.4600% | 5,210 |
| Assets per employee ($millions) | 5.2729% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 3,737 |
| Loan loss allowance to noncurrent loans | 428.5593% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 4,813 |
| Noncurrent loans to loans | 0.3360% | 5,382 |
| Net loans and leases to total assets | 81.0468% | 447 |
| Net loans and leases to deposits | 96.2812% | 671 |
| Net loans and leases to core deposits | 123.0332% | 275 |
| Total domestic deposits to total assets | 84.1772% | 4,124 |
| Equity capital to assets | 9.3637% | 4,728 |
| Core capital (leverage) ratio | 9.3610% | 4,592 |
| Tier 1 risk-based capital ratio | 10.6704% | 6,402 |
| Total risk-based capital ratio | 11.9222% | 6,371 |
| Memoranda: | ||
| Average total assets | $415,842,250 | 1,596 |
| Average earning assets | $398,795,000 | 1,523 |
| Average equity | $39,268,500 | 1,791 |
| Average total loans | $334,804,250 | 1,273 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 1,702 |
| Cost of funding earning assets | 0.6720% | 2,295 |
| Net interest margin | 3.9774% | 1,936 |
| Noninterest income to average assets | 0.2140% | 5,911 |
| Noninterest expense to average assets | 2.4228% | 4,988 |
| Loan and lease loss provision to assets | 0.2970% | 1,221 |
| Net operating income to assets | 0.7819% | 3,393 |
| Return on assets (ROA) | 0.7819% | 3,556 |
| Pretax return on assets | 1.3148% | 2,252 |
| Return on Equity (ROE) | 8.2558% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.2558% | 1,385 |
| Net charge-offs to loans | 0.0407% | 4,108 |
| Credit loss provision to net charge-offs | 913.4328% | 334 |
| Earnings coverage of net charge-offs (x) | 49.5672% | 807 |
| Efficiency ratio | 59.7859% | 5,512 |
| Assets per employee ($millions) | 6.3824% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,820 |
| Loan loss allowance to noncurrent loans | 337.4121% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 4,294 |
| Noncurrent loans to loans | 0.4290% | 5,189 |
| Net loans and leases to total assets | 77.5489% | 798 |
| Net loans and leases to deposits | 91.6612% | 992 |
| Net loans and leases to core deposits | 117.8476% | 354 |
| Total domestic deposits to total assets | 84.6039% | 4,083 |
| Equity capital to assets | 9.3919% | 4,732 |
| Core capital (leverage) ratio | 9.3898% | 4,402 |
| Tier 1 risk-based capital ratio | 11.4593% | 6,133 |
| Total risk-based capital ratio | 12.7112% | 6,096 |
| Memoranda: | ||
| Average total assets | $412,088,000 | 1,611 |
| Average earning assets | $395,836,000 | 1,539 |
| Average equity | $39,027,000 | 1,797 |
| Average total loans | $329,335,000 | 1,289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,715 |
| Cost of funding earning assets | 0.6788% | 2,404 |
| Net interest margin | 3.9601% | 1,919 |
| Noninterest income to average assets | 0.2140% | 5,947 |
| Noninterest expense to average assets | 2.4274% | 5,023 |
| Loan and lease loss provision to assets | 0.2307% | 1,584 |
| Net operating income to assets | 0.8167% | 3,069 |
| Return on assets (ROA) | 0.8167% | 3,210 |
| Pretax return on assets | 1.3585% | 2,014 |
| Return on Equity (ROE) | 8.5863% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.5863% | 1,525 |
| Net charge-offs to loans | 0.0816% | 3,025 |
| Credit loss provision to net charge-offs | 350.7463% | 704 |
| Earnings coverage of net charge-offs (x) | 24.1642% | 1,089 |
| Efficiency ratio | 60.1662% | 5,566 |
| Assets per employee ($millions) | 6.6100% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,634 |
| Loan loss allowance to noncurrent loans | 360.3097% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8763% | 4,189 |
| Noncurrent loans to loans | 0.3642% | 5,491 |
| Net loans and leases to total assets | 79.8396% | 438 |
| Net loans and leases to deposits | 95.0021% | 606 |
| Net loans and leases to core deposits | 122.2203% | 257 |
| Total domestic deposits to total assets | 84.0399% | 4,464 |
| Equity capital to assets | 9.4073% | 4,990 |
| Core capital (leverage) ratio | 9.5005% | 4,078 |
| Tier 1 risk-based capital ratio | 11.2367% | 6,293 |
| Total risk-based capital ratio | 12.4871% | 6,273 |
| Memoranda: | ||
| Average total assets | $407,514,000 | 1,647 |
| Average earning assets | $391,305,500 | 1,566 |
| Average equity | $38,759,500 | 1,833 |
| Average total loans | $328,271,500 | 1,293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 2,059 |
| Cost of funding earning assets | 0.8895% | 1,992 |
| Net interest margin | 3.9506% | 2,607 |
| Noninterest income to average assets | 0.2315% | 5,790 |
| Noninterest expense to average assets | 2.6367% | 4,612 |
| Loan and lease loss provision to assets | 0.3665% | 1,791 |
| Net operating income to assets | 0.6071% | 4,204 |
| Return on assets (ROA) | 0.6071% | 4,472 |
| Pretax return on assets | 1.0033% | 3,540 |
| Return on Equity (ROE) | 6.3979% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.3979% | 1,872 |
| Net charge-offs to loans | 0.2725% | 3,298 |
| Credit loss provision to net charge-offs | 171.0280% | 1,544 |
| Earnings coverage of net charge-offs (x) | 6.3925% | 2,818 |
| Efficiency ratio | 65.4742% | 4,605 |
| Assets per employee ($millions) | 6.1323% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,495 |
| Loan loss allowance to noncurrent loans | 223.2546% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8781% | 4,291 |
| Noncurrent loans to loans | 0.5960% | 5,031 |
| Net loans and leases to total assets | 79.1255% | 549 |
| Net loans and leases to deposits | 92.5332% | 871 |
| Net loans and leases to core deposits | 117.1050% | 334 |
| Total domestic deposits to total assets | 85.5104% | 3,603 |
| Equity capital to assets | 9.6197% | 4,707 |
| Core capital (leverage) ratio | 9.8626% | 3,589 |
| Tier 1 risk-based capital ratio | 11.2368% | 6,254 |
| Total risk-based capital ratio | 12.4871% | 6,217 |
| Memoranda: | ||
| Average total assets | $349,530,200 | 1,855 |
| Average earning assets | $334,000,600 | 1,773 |
| Average equity | $33,167,200 | 2,075 |
| Average total loans | $274,886,400 | 1,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 2,129 |
| Cost of funding earning assets | 0.9456% | 1,876 |
| Net interest margin | 3.9226% | 2,830 |
| Noninterest income to average assets | 0.2431% | 5,806 |
| Noninterest expense to average assets | 2.7108% | 4,317 |
| Loan and lease loss provision to assets | 0.3594% | 1,812 |
| Net operating income to assets | 0.5499% | 4,626 |
| Return on assets (ROA) | 0.5499% | 4,881 |
| Pretax return on assets | 0.9172% | 4,038 |
| Return on Equity (ROE) | 5.8188% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.8188% | 2,818 |
| Net charge-offs to loans | 0.3792% | 2,581 |
| Credit loss provision to net charge-offs | 121.2000% | 2,391 |
| Earnings coverage of net charge-offs (x) | 4.3053% | 3,342 |
| Efficiency ratio | 67.6284% | 4,147 |
| Assets per employee ($millions) | 5.7274% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 4,538 |
| Loan loss allowance to noncurrent loans | 166.8530% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 4,020 |
| Noncurrent loans to loans | 0.8161% | 4,781 |
| Net loans and leases to total assets | 76.6994% | 876 |
| Net loans and leases to deposits | 87.5208% | 1,412 |
| Net loans and leases to core deposits | 105.3234% | 781 |
| Total domestic deposits to total assets | 87.6356% | 2,270 |
| Equity capital to assets | 10.2779% | 4,104 |
| Core capital (leverage) ratio | 10.2696% | 3,201 |
| Tier 1 risk-based capital ratio | 12.5020% | 5,639 |
| Total risk-based capital ratio | 13.7529% | 5,600 |
| Memoranda: | ||
| Average total assets | $337,263,500 | 1,935 |
| Average earning assets | $321,918,000 | 1,863 |
| Average equity | $31,873,000 | 2,168 |
| Average total loans | $263,696,750 | 1,583 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 2,163 |
| Cost of funding earning assets | 0.9970% | 1,778 |
| Net interest margin | 3.8902% | 2,952 |
| Noninterest income to average assets | 0.2082% | 6,071 |
| Noninterest expense to average assets | 2.7078% | 4,376 |
| Loan and lease loss provision to assets | 0.4238% | 1,538 |
| Net operating income to assets | 0.4702% | 4,953 |
| Return on assets (ROA) | 0.4702% | 5,198 |
| Pretax return on assets | 0.7866% | 4,521 |
| Return on Equity (ROE) | 5.1437% | 4,738 |
| Retained earnings to average equity (ytd only) | 5.1437% | 3,192 |
| Net charge-offs to loans | 0.2798% | 2,921 |
| Credit loss provision to net charge-offs | 193.3148% | 1,463 |
| Earnings coverage of net charge-offs (x) | 5.5209% | 2,816 |
| Efficiency ratio | 68.7344% | 3,987 |
| Assets per employee ($millions) | 5.3535% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 4,041 |
| Loan loss allowance to noncurrent loans | 138.5719% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.3277% | 3,781 |
| Noncurrent loans to loans | 1.0772% | 4,365 |
| Net loans and leases to total assets | 76.9168% | 853 |
| Net loans and leases to deposits | 86.6739% | 1,520 |
| Net loans and leases to core deposits | 99.7470% | 1,113 |
| Total domestic deposits to total assets | 88.7427% | 1,675 |
| Equity capital to assets | 10.5604% | 3,612 |
| Core capital (leverage) ratio | 10.6821% | 2,624 |
| Tier 1 risk-based capital ratio | 12.9433% | 5,221 |
| Total risk-based capital ratio | 14.1957% | 5,199 |
| Memoranda: | ||
| Average total assets | $327,500,330 | 1,982 |
| Average earning assets | $312,323,000 | 1,915 |
| Average equity | $29,939,330 | 2,258 |
| Average total loans | $256,587,330 | 1,622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9588% | 2,038 |
| Cost of funding earning assets | 1.0336% | 1,783 |
| Net interest margin | 3.9252% | 2,822 |
| Noninterest income to average assets | 0.1362% | 6,568 |
| Noninterest expense to average assets | 2.6729% | 4,531 |
| Loan and lease loss provision to assets | 0.3845% | 1,635 |
| Net operating income to assets | 0.4829% | 4,899 |
| Return on assets (ROA) | 0.4829% | 5,098 |
| Pretax return on assets | 0.8132% | 4,363 |
| Return on Equity (ROE) | 5.7735% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.7735% | 3,095 |
| Net charge-offs to loans | 0.1542% | 3,168 |
| Credit loss provision to net charge-offs | 317.7083% | 939 |
| Earnings coverage of net charge-offs (x) | 9.8958% | 1,803 |
| Efficiency ratio | 68.6645% | 4,041 |
| Assets per employee ($millions) | 5.8289% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,918 |
| Loan loss allowance to noncurrent loans | 125.8323% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 3,647 |
| Noncurrent loans to loans | 1.2354% | 4,273 |
| Net loans and leases to total assets | 76.2659% | 774 |
| Net loans and leases to deposits | 83.6938% | 1,702 |
| Net loans and leases to core deposits | 97.3925% | 1,174 |
| Total domestic deposits to total assets | 91.1248% | 502 |
| Equity capital to assets | 8.1935% | 6,364 |
| Core capital (leverage) ratio | 8.4282% | 5,704 |
| Tier 1 risk-based capital ratio | 10.0106% | 6,878 |
| Total risk-based capital ratio | 11.2633% | 6,871 |
| Memoranda: | ||
| Average total assets | $317,260,500 | 2,050 |
| Average earning assets | $301,844,500 | 1,972 |
| Average equity | $26,535,000 | 2,522 |
| Average total loans | $249,025,500 | 1,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 2,176 |
| Cost of funding earning assets | 1.2255% | 1,868 |
| Net interest margin | 3.9464% | 3,129 |
| Noninterest income to average assets | 0.2220% | 5,941 |
| Noninterest expense to average assets | 2.5741% | 5,188 |
| Loan and lease loss provision to assets | 0.4505% | 2,352 |
| Net operating income to assets | 0.9770% | 2,294 |
| Return on assets (ROA) | 0.9770% | 2,429 |
| Pretax return on assets | 0.9770% | 3,330 |
| Return on Equity (ROE) | 11.3376% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.3376% | 365 |
| Net charge-offs to loans | 0.2102% | 4,473 |
| Credit loss provision to net charge-offs | 266.2447% | 904 |
| Earnings coverage of net charge-offs (x) | 8.4367% | 2,147 |
| Efficiency ratio | 64.0232% | 5,123 |
| Assets per employee ($millions) | 6.1621% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,944 |
| Loan loss allowance to noncurrent loans | 126.3069% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 3,749 |
| Noncurrent loans to loans | 1.2016% | 4,370 |
| Net loans and leases to total assets | 78.3678% | 670 |
| Net loans and leases to deposits | 87.0014% | 1,526 |
| Net loans and leases to core deposits | 103.2865% | 948 |
| Total domestic deposits to total assets | 90.0764% | 955 |
| Equity capital to assets | 8.5442% | 6,080 |
| Core capital (leverage) ratio | 8.6815% | 5,280 |
| Tier 1 risk-based capital ratio | 10.2411% | 6,786 |
| Total risk-based capital ratio | 11.4938% | 6,769 |
| Memoranda: | ||
| Average total assets | $280,138,600 | 2,268 |
| Average earning assets | $268,292,200 | 2,182 |
| Average equity | $24,141,000 | 2,652 |
| Average total loans | $225,476,800 | 1,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 2,352 |
| Cost of funding earning assets | 1.2835% | 1,791 |
| Net interest margin | 3.8744% | 3,499 |
| Noninterest income to average assets | 0.1806% | 6,300 |
| Noninterest expense to average assets | 2.7032% | 4,714 |
| Loan and lease loss provision to assets | 0.4027% | 2,435 |
| Net operating income to assets | 0.7966% | 3,179 |
| Return on assets (ROA) | 0.7966% | 3,344 |
| Pretax return on assets | 0.7966% | 4,142 |
| Return on Equity (ROE) | 9.2221% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.2221% | 1,067 |
| Net charge-offs to loans | 0.1602% | 4,497 |
| Credit loss provision to net charge-offs | 311.3208% | 906 |
| Earnings coverage of net charge-offs (x) | 9.2718% | 2,071 |
| Efficiency ratio | 69.2683% | 4,080 |
| Assets per employee ($millions) | 5.7964% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 4,479 |
| Loan loss allowance to noncurrent loans | 162.9198% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 4,423 |
| Noncurrent loans to loans | 0.8698% | 5,122 |
| Net loans and leases to total assets | 82.1997% | 338 |
| Net loans and leases to deposits | 92.5911% | 959 |
| Net loans and leases to core deposits | 109.8396% | 682 |
| Total domestic deposits to total assets | 88.7771% | 1,560 |
| Equity capital to assets | 8.6104% | 6,187 |
| Core capital (leverage) ratio | 8.6331% | 5,501 |
| Tier 1 risk-based capital ratio | 9.9953% | 6,956 |
| Total risk-based capital ratio | 11.2470% | 6,941 |
| Memoranda: | ||
| Average total assets | $273,147,000 | 2,332 |
| Average earning assets | $262,398,750 | 2,230 |
| Average equity | $23,595,000 | 2,715 |
| Average total loans | $220,552,000 | 1,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 2,654 |
| Cost of funding earning assets | 1.3544% | 1,628 |
| Net interest margin | 3.7513% | 4,025 |
| Noninterest income to average assets | 0.1732% | 6,424 |
| Noninterest expense to average assets | 2.7020% | 4,817 |
| Loan and lease loss provision to assets | 0.3011% | 2,997 |
| Net operating income to assets | 0.7649% | 3,223 |
| Return on assets (ROA) | 0.7649% | 3,352 |
| Pretax return on assets | 0.7649% | 4,161 |
| Return on Equity (ROE) | 8.8443% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.8443% | 1,156 |
| Net charge-offs to loans | 0.1463% | 4,313 |
| Credit loss provision to net charge-offs | 258.0645% | 1,177 |
| Earnings coverage of net charge-offs (x) | 9.1355% | 1,960 |
| Efficiency ratio | 71.7083% | 3,793 |
| Assets per employee ($millions) | 6.1077% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 4,677 |
| Loan loss allowance to noncurrent loans | 196.2940% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 4,991 |
| Noncurrent loans to loans | 0.7029% | 5,501 |
| Net loans and leases to total assets | 79.1274% | 630 |
| Net loans and leases to deposits | 88.2191% | 1,468 |
| Net loans and leases to core deposits | 102.7229% | 1,135 |
| Total domestic deposits to total assets | 89.6942% | 1,122 |
| Equity capital to assets | 8.6389% | 6,013 |
| Core capital (leverage) ratio | 9.0235% | 4,681 |
| Tier 1 risk-based capital ratio | 9.0786% | 7,168 |
| Total risk-based capital ratio | 10.2390% | 7,178 |
| Memoranda: | ||
| Average total assets | $265,656,670 | 2,399 |
| Average earning assets | $254,577,670 | 2,293 |
| Average equity | $22,975,330 | 2,758 |
| Average total loans | $211,906,000 | 1,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1210% | 2,549 |
| Cost of funding earning assets | 1.4339% | 1,457 |
| Net interest margin | 3.6870% | 4,174 |
| Noninterest income to average assets | 0.2024% | 6,279 |
| Noninterest expense to average assets | 2.7676% | 4,577 |
| Loan and lease loss provision to assets | 0.2589% | 3,070 |
| Net operating income to assets | 0.7139% | 3,458 |
| Return on assets (ROA) | 0.7139% | 3,524 |
| Pretax return on assets | 0.7139% | 4,249 |
| Return on Equity (ROE) | 8.2489% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.2489% | 1,637 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9933% | 3,513 |
| Assets per employee ($millions) | 6.4719% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 4,108 |
| Loan loss allowance to noncurrent loans | 180.0116% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 4,853 |
| Noncurrent loans to loans | 0.8450% | 5,355 |
| Net loans and leases to total assets | 75.5874% | 1,095 |
| Net loans and leases to deposits | 83.9405% | 2,044 |
| Net loans and leases to core deposits | 96.1376% | 1,664 |
| Total domestic deposits to total assets | 90.0489% | 1,123 |
| Equity capital to assets | 8.6038% | 5,771 |
| Core capital (leverage) ratio | 9.2569% | 4,194 |
| Tier 1 risk-based capital ratio | 9.7542% | 7,075 |
| Total risk-based capital ratio | 11.0049% | 7,085 |
| Memoranda: | ||
| Average total assets | $254,954,500 | 2,519 |
| Average earning assets | $244,640,500 | 2,402 |
| Average equity | $22,063,500 | 2,860 |
| Average total loans | $202,698,000 | 2,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 2,729 |
| Cost of funding earning assets | 1.7011% | 1,593 |
| Net interest margin | 3.6878% | 4,404 |
| Noninterest income to average assets | 0.1953% | 6,379 |
| Noninterest expense to average assets | 2.7320% | 4,841 |
| Loan and lease loss provision to assets | 0.4277% | 3,549 |
| Net operating income to assets | 0.5606% | 3,846 |
| Return on assets (ROA) | 0.6043% | 3,816 |
| Pretax return on assets | 0.6043% | 4,311 |
| Return on Equity (ROE) | 6.9395% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.9395% | 1,349 |
| Net charge-offs to loans | 0.1826% | 5,212 |
| Credit loss provision to net charge-offs | 294.1718% | 913 |
| Earnings coverage of net charge-offs (x) | 6.7975% | 2,270 |
| Efficiency ratio | 73.4356% | 3,500 |
| Assets per employee ($millions) | 5.8229% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,260 |
| Loan loss allowance to noncurrent loans | 211.5357% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 4,874 |
| Noncurrent loans to loans | 0.6876% | 5,669 |
| Net loans and leases to total assets | 81.2861% | 514 |
| Net loans and leases to deposits | 90.6180% | 1,448 |
| Net loans and leases to core deposits | 105.3280% | 1,233 |
| Total domestic deposits to total assets | 89.7020% | 1,268 |
| Equity capital to assets | 8.7082% | 5,570 |
| Core capital (leverage) ratio | 8.9492% | 4,621 |
| Tier 1 risk-based capital ratio | 9.2302% | 7,196 |
| Total risk-based capital ratio | 10.4693% | 7,204 |
| Memoranda: | ||
| Average total assets | $224,230,400 | 2,820 |
| Average earning assets | $214,331,200 | 2,697 |
| Average equity | $19,525,800 | 3,210 |
| Average total loans | $178,515,600 | 2,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 2,966 |
| Cost of funding earning assets | 1.7428% | 1,658 |
| Net interest margin | 3.6381% | 4,688 |
| Noninterest income to average assets | 0.2142% | 6,380 |
| Noninterest expense to average assets | 2.7196% | 4,797 |
| Loan and lease loss provision to assets | 0.4058% | 3,467 |
| Net operating income to assets | 0.5573% | 4,065 |
| Return on assets (ROA) | 0.6163% | 3,978 |
| Pretax return on assets | 0.6163% | 4,545 |
| Return on Equity (ROE) | 7.0777% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.0777% | 1,803 |
| Net charge-offs to loans | 0.2362% | 4,527 |
| Credit loss provision to net charge-offs | 217.9739% | 1,586 |
| Earnings coverage of net charge-offs (x) | 5.1732% | 2,825 |
| Efficiency ratio | 73.8477% | 3,351 |
| Assets per employee ($millions) | 5.6779% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,320 |
| Loan loss allowance to noncurrent loans | 166.1673% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 4,829 |
| Noncurrent loans to loans | 0.8591% | 5,504 |
| Net loans and leases to total assets | 75.2901% | 1,534 |
| Net loans and leases to deposits | 83.8132% | 2,735 |
| Net loans and leases to core deposits | 98.3805% | 2,008 |
| Total domestic deposits to total assets | 89.8308% | 959 |
| Equity capital to assets | 8.6546% | 6,091 |
| Core capital (leverage) ratio | 8.9365% | 4,784 |
| Tier 1 risk-based capital ratio | 9.8323% | 7,145 |
| Total risk-based capital ratio | 11.0512% | 7,145 |
| Memoranda: | ||
| Average total assets | $219,147,500 | 2,931 |
| Average earning assets | $208,933,000 | 2,804 |
| Average equity | $19,083,000 | 3,307 |
| Average total loans | $172,712,250 | 2,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 2,428 |
| Cost of funding earning assets | 1.8104% | 1,605 |
| Net interest margin | 3.7136% | 4,300 |
| Noninterest income to average assets | 0.1822% | 6,608 |
| Noninterest expense to average assets | 2.7550% | 4,687 |
| Loan and lease loss provision to assets | 0.3719% | 3,479 |
| Net operating income to assets | 0.5854% | 3,933 |
| Return on assets (ROA) | 0.6783% | 3,638 |
| Pretax return on assets | 0.6783% | 4,316 |
| Return on Equity (ROE) | 7.7715% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.7715% | 1,522 |
| Net charge-offs to loans | 0.3390% | 3,643 |
| Credit loss provision to net charge-offs | 137.5439% | 2,913 |
| Earnings coverage of net charge-offs (x) | 3.5404% | 3,282 |
| Efficiency ratio | 74.2142% | 3,436 |
| Assets per employee ($millions) | 5.5305% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 4,342 |
| Loan loss allowance to noncurrent loans | 163.5870% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.4234% | 4,338 |
| Noncurrent loans to loans | 0.8672% | 5,533 |
| Net loans and leases to total assets | 77.5848% | 1,179 |
| Net loans and leases to deposits | 87.1758% | 2,308 |
| Net loans and leases to core deposits | 104.4458% | 1,597 |
| Total domestic deposits to total assets | 88.9980% | 1,442 |
| Equity capital to assets | 9.2935% | 5,015 |
| Core capital (leverage) ratio | 9.5711% | 3,714 |
| Tier 1 risk-based capital ratio | 10.1250% | 6,953 |
| Total risk-based capital ratio | 11.3096% | 6,969 |
| Memoranda: | ||
| Average total assets | $210,813,670 | 3,042 |
| Average earning assets | $200,399,000 | 2,946 |
| Average equity | $18,400,670 | 3,396 |
| Average total loans | $168,122,330 | 2,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 2,474 |
| Cost of funding earning assets | 1.8548% | 1,637 |
| Net interest margin | 3.6714% | 4,389 |
| Noninterest income to average assets | 0.2073% | 6,478 |
| Noninterest expense to average assets | 2.7105% | 4,855 |
| Loan and lease loss provision to assets | 0.5336% | 2,368 |
| Net operating income to assets | 0.4626% | 4,562 |
| Return on assets (ROA) | 0.6507% | 3,781 |
| Pretax return on assets | 0.6507% | 4,413 |
| Return on Equity (ROE) | 7.7140% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.7140% | 1,831 |
| Net charge-offs to loans | 0.0454% | 4,959 |
| Credit loss provision to net charge-offs | 1,463.1579% | 346 |
| Earnings coverage of net charge-offs (x) | 27.3158% | 935 |
| Efficiency ratio | 73.1227% | 3,738 |
| Assets per employee ($millions) | 5.6655% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,914 |
| Loan loss allowance to noncurrent loans | 163.9974% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 4,689 |
| Noncurrent loans to loans | 0.9144% | 5,489 |
| Net loans and leases to total assets | 78.1070% | 1,133 |
| Net loans and leases to deposits | 86.7476% | 2,464 |
| Net loans and leases to core deposits | 105.3609% | 1,634 |
| Total domestic deposits to total assets | 90.0394% | 968 |
| Equity capital to assets | 8.2383% | 6,382 |
| Core capital (leverage) ratio | 8.7807% | 4,884 |
| Tier 1 risk-based capital ratio | 9.0470% | 7,467 |
| Total risk-based capital ratio | 10.3019% | 7,473 |
| Memoranda: | ||
| Average total assets | $208,376,500 | 3,115 |
| Average earning assets | $198,615,500 | 3,019 |
| Average equity | $17,578,500 | 3,554 |
| Average total loans | $167,309,000 | 2,658 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7683% | 2,786 |
| Cost of funding earning assets | 2.2122% | 1,976 |
| Net interest margin | 3.5561% | 4,717 |
| Noninterest income to average assets | 0.1210% | 7,153 |
| Noninterest expense to average assets | 2.7966% | 4,989 |
| Loan and lease loss provision to assets | 0.3570% | 4,661 |
| Net operating income to assets | 0.3761% | 4,229 |
| Return on assets (ROA) | 0.4621% | 4,000 |
| Pretax return on assets | 0.4621% | 4,315 |
| Return on Equity (ROE) | 5.1376% | 3,608 |
| Retained earnings to average equity (ytd only) | 5.1376% | 1,745 |
| Net charge-offs to loans | 0.1545% | 5,722 |
| Credit loss provision to net charge-offs | 284.7162% | 1,181 |
| Earnings coverage of net charge-offs (x) | 5.8472% | 2,487 |
| Efficiency ratio | 79.2306% | 3,004 |
| Assets per employee ($millions) | 5.7561% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,218 |
| Loan loss allowance to noncurrent loans | 224.0506% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 4,959 |
| Noncurrent loans to loans | 0.6266% | 5,983 |
| Net loans and leases to total assets | 80.2134% | 956 |
| Net loans and leases to deposits | 90.1359% | 2,197 |
| Net loans and leases to core deposits | 130.3494% | 1,262 |
| Total domestic deposits to total assets | 88.9916% | 1,488 |
| Equity capital to assets | 8.6472% | 5,669 |
| Core capital (leverage) ratio | 9.2623% | 4,035 |
| Tier 1 risk-based capital ratio | 9.3713% | 7,290 |
| Total risk-based capital ratio | 10.5813% | 7,297 |
| Memoranda: | ||
| Average total assets | $182,652,600 | 3,395 |
| Average earning assets | $175,077,800 | 3,279 |
| Average equity | $16,427,800 | 3,793 |
| Average total loans | $148,186,200 | 2,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 2,809 |
| Cost of funding earning assets | 2.3115% | 1,939 |
| Net interest margin | 3.5070% | 4,832 |
| Noninterest income to average assets | 0.1319% | 7,217 |
| Noninterest expense to average assets | 2.7678% | 5,026 |
| Loan and lease loss provision to assets | 0.2840% | 4,703 |
| Net operating income to assets | 0.4473% | 4,207 |
| Return on assets (ROA) | 0.4473% | 4,307 |
| Pretax return on assets | 0.4473% | 4,671 |
| Return on Equity (ROE) | 4.9197% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.9197% | 2,540 |
| Net charge-offs to loans | 0.1895% | 4,881 |
| Credit loss provision to net charge-offs | 184.8780% | 2,464 |
| Earnings coverage of net charge-offs (x) | 4.7609% | 3,020 |
| Efficiency ratio | 79.1006% | 2,977 |
| Assets per employee ($millions) | 5.7739% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,484 |
| Loan loss allowance to noncurrent loans | 173.2489% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,497 |
| Noncurrent loans to loans | 0.7520% | 5,803 |
| Net loans and leases to total assets | 81.6228% | 879 |
| Net loans and leases to deposits | 89.8853% | 2,605 |
| Net loans and leases to core deposits | 137.3826% | 1,040 |
| Total domestic deposits to total assets | 90.8077% | 479 |
| Equity capital to assets | 8.6066% | 6,108 |
| Core capital (leverage) ratio | 8.9658% | 4,698 |
| Tier 1 risk-based capital ratio | 9.1891% | 7,544 |
| Total risk-based capital ratio | 10.3307% | 7,597 |
| Memoranda: | ||
| Average total assets | $177,949,500 | 3,494 |
| Average earning assets | $170,853,250 | 3,362 |
| Average equity | $16,179,500 | 3,874 |
| Average total loans | $144,257,000 | 3,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 3,003 |
| Cost of funding earning assets | 2.3851% | 2,025 |
| Net interest margin | 3.4242% | 5,083 |
| Noninterest income to average assets | 0.1623% | 7,113 |
| Noninterest expense to average assets | 2.7372% | 5,231 |
| Loan and lease loss provision to assets | 0.3062% | 4,115 |
| Net operating income to assets | 0.4075% | 4,487 |
| Return on assets (ROA) | 0.4535% | 4,388 |
| Pretax return on assets | 0.4535% | 4,775 |
| Return on Equity (ROE) | 4.8925% | 4,126 |
| Retained earnings to average equity (ytd only) | 4.8925% | 2,571 |
| Net charge-offs to loans | 0.1717% | 4,510 |
| Credit loss provision to net charge-offs | 221.6667% | 2,070 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,899 |
| Efficiency ratio | 79.3195% | 3,145 |
| Assets per employee ($millions) | 5.6332% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 3,959 |
| Loan loss allowance to noncurrent loans | 334.1584% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 6,115 |
| Noncurrent loans to loans | 0.4052% | 6,492 |
| Net loans and leases to total assets | 79.3573% | 1,444 |
| Net loans and leases to deposits | 87.5263% | 3,256 |
| Net loans and leases to core deposits | 136.0942% | 1,203 |
| Total domestic deposits to total assets | 90.6668% | 569 |
| Equity capital to assets | 8.7237% | 5,719 |
| Core capital (leverage) ratio | 9.1081% | 4,450 |
| Tier 1 risk-based capital ratio | 9.5123% | 7,378 |
| Total risk-based capital ratio | 10.6924% | 7,395 |
| Memoranda: | ||
| Average total assets | $173,752,670 | 3,571 |
| Average earning assets | $166,869,000 | 3,445 |
| Average equity | $16,106,330 | 3,895 |
| Average total loans | $139,817,000 | 3,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8127% | 3,237 |
| Cost of funding earning assets | 2.4730% | 2,014 |
| Net interest margin | 3.3397% | 5,369 |
| Noninterest income to average assets | 0.0620% | 7,755 |
| Noninterest expense to average assets | 2.7361% | 4,847 |
| Loan and lease loss provision to assets | 0.2791% | 3,721 |
| Net operating income to assets | 0.2457% | 5,501 |
| Return on assets (ROA) | 0.2457% | 5,668 |
| Pretax return on assets | 0.2457% | 5,837 |
| Return on Equity (ROE) | 2.5668% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.5668% | 4,452 |
| Net charge-offs to loans | 0.1512% | 3,751 |
| Credit loss provision to net charge-offs | 229.4118% | 1,993 |
| Earnings coverage of net charge-offs (x) | 4.3137% | 2,913 |
| Efficiency ratio | 83.9064% | 2,320 |
| Assets per employee ($millions) | 5.5069% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,537 |
| Loan loss allowance to noncurrent loans | 179.8335% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 5,253 |
| Noncurrent loans to loans | 0.7745% | 5,496 |
| Net loans and leases to total assets | 80.6231% | 1,270 |
| Net loans and leases to deposits | 95.9784% | 1,951 |
| Net loans and leases to core deposits | 136.2655% | 1,289 |
| Total domestic deposits to total assets | 84.0013% | 3,702 |
| Equity capital to assets | 9.3144% | 4,921 |
| Core capital (leverage) ratio | 9.6244% | 3,846 |
| Tier 1 risk-based capital ratio | 9.7985% | 7,144 |
| Total risk-based capital ratio | 10.9873% | 7,124 |
| Memoranda: | ||
| Average total assets | $167,681,000 | 3,694 |
| Average earning assets | $160,613,000 | 3,558 |
| Average equity | $16,051,000 | 3,937 |
| Average total loans | $134,952,000 | 3,270 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1438% | 4,808 |
| Cost of funding earning assets | 3.4605% | 583 |
| Net interest margin | 2.6834% | 7,529 |
| Noninterest income to average assets | 0.1620% | 7,262 |
| Noninterest expense to average assets | 3.3792% | 2,737 |
| Loan and lease loss provision to assets | 0.8738% | 1,707 |
| Net operating income to assets | -1.5382% | 7,483 |
| Return on assets (ROA) | -1.5341% | 7,427 |
| Pretax return on assets | -1.5341% | 7,272 |
| Return on Equity (ROE) | -14.0308% | 7,543 |
| Retained earnings to average equity (ytd only) | -14.0308% | 7,405 |
| Net charge-offs to loans | 0.4140% | 2,744 |
| Credit loss provision to net charge-offs | 280.3965% | 1,624 |
| Earnings coverage of net charge-offs (x) | -2.1322% | 6,716 |
| Efficiency ratio | 124.4753% | 524 |
| Assets per employee ($millions) | 5.3112% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,966 |
| Loan loss allowance to noncurrent loans | 183.3171% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 4,946 |
| Noncurrent loans to loans | 0.7865% | 5,072 |
| Net loans and leases to total assets | 78.0125% | 2,133 |
| Net loans and leases to deposits | 91.3673% | 3,236 |
| Net loans and leases to core deposits | 127.7142% | 2,027 |
| Total domestic deposits to total assets | 85.3834% | 2,674 |
| Equity capital to assets | 9.8398% | 4,240 |
| Core capital (leverage) ratio | 10.0026% | 3,444 |
| Tier 1 risk-based capital ratio | 10.5266% | 6,184 |
| Total risk-based capital ratio | 11.7413% | 6,100 |
| Memoranda: | ||
| Average total assets | $145,686,800 | 3,980 |
| Average earning assets | $138,594,200 | 3,876 |
| Average equity | $15,929,200 | 3,942 |
| Average total loans | $109,662,400 | 3,684 |