Home > U. S. Century Bank > Performance and Condition Ratios
U. S. Century Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 2,355 |
| Cost of funding earning assets | 2.0436% | 861 |
| Net interest margin | 2.8197% | 3,626 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 1.8654% | 3,900 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9097% | 2,516 |
| Return on assets (ROA) | 0.8433% | 2,704 |
| Pretax return on assets | 1.1130% | 2,374 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.1130% | 2,919 |
| Net charge-offs to loans | -0.0017% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.8539% | 3,205 |
| Assets per employee ($millions) | 11.9305% | 421 |
| Cash dividends to net income (ytd only)* | 59.5142% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,386 |
| Loan loss allowance to noncurrent loans | 4,505.1282% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 3,601 |
| Noncurrent loans to loans | 0.0263% | 3,554 |
| Net loans and leases to total assets | 75.2500% | 1,212 |
| Net loans and leases to deposits | 90.6197% | 1,218 |
| Net loans and leases to core deposits | 99.2122% | 1,474 |
| Total domestic deposits to total assets | 83.0400% | 2,884 |
| Equity capital to assets | 8.0751% | 3,363 |
| Core capital (leverage) ratio | 9.1693% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6490% | 2,362 |
| Memoranda: | ||
| Average total assets | $2,211,682,800 | 514 |
| Average earning assets | $2,077,121,600 | 501 |
| Average equity | $183,586,800 | 579 |
| Average total loans | $1,628,207,600 | 489 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 2,356 |
| Cost of funding earning assets | 1.8789% | 887 |
| Net interest margin | 2.8782% | 3,592 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.8798% | 3,837 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9088% | 2,648 |
| Return on assets (ROA) | 0.8616% | 2,805 |
| Pretax return on assets | 1.1402% | 2,459 |
| Return on Equity (ROE) | 10.3000% | 2,556 |
| Retained earnings to average equity (ytd only) | 5.8430% | 2,677 |
| Net charge-offs to loans | -0.0022% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.9766% | 2,966 |
| Assets per employee ($millions) | 11.5696% | 424 |
| Cash dividends to net income (ytd only)* | 43.2993% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,557 |
| Loan loss allowance to noncurrent loans | 4,069.5198% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,608 |
| Noncurrent loans to loans | 0.0286% | 3,566 |
| Net loans and leases to total assets | 73.8300% | 1,357 |
| Net loans and leases to deposits | 85.4909% | 1,615 |
| Net loans and leases to core deposits | 93.4004% | 1,709 |
| Total domestic deposits to total assets | 86.3600% | 2,080 |
| Equity capital to assets | 8.1178% | 2,970 |
| Core capital (leverage) ratio | 9.2352% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0649% | 2,248 |
| Memoranda: | ||
| Average total assets | $2,180,009,000 | 525 |
| Average earning assets | $2,047,129,750 | 510 |
| Average equity | $182,276,750 | 577 |
| Average total loans | $1,590,052,750 | 499 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 2,418 |
| Cost of funding earning assets | 1.6253% | 1,006 |
| Net interest margin | 2.9738% | 3,498 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8947% | 3,833 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9410% | 2,612 |
| Return on assets (ROA) | 0.9394% | 2,605 |
| Pretax return on assets | 1.2414% | 2,248 |
| Return on Equity (ROE) | 11.1200% | 2,387 |
| Retained earnings to average equity (ytd only) | 4.4311% | 3,099 |
| Net charge-offs to loans | -0.0027% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9554% | 2,967 |
| Assets per employee ($millions) | 11.2418% | 479 |
| Cash dividends to net income (ytd only)* | 60.1637% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 2,551 |
| Loan loss allowance to noncurrent loans | 3,871.3992% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,600 |
| Noncurrent loans to loans | 0.0305% | 3,526 |
| Net loans and leases to total assets | 70.8600% | 1,650 |
| Net loans and leases to deposits | 81.5476% | 1,867 |
| Net loans and leases to core deposits | 89.9863% | 1,798 |
| Total domestic deposits to total assets | 86.8900% | 1,964 |
| Equity capital to assets | 8.2238% | 3,069 |
| Core capital (leverage) ratio | 9.2978% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3748% | 2,144 |
| Memoranda: | ||
| Average total assets | $2,158,508,000 | 515 |
| Average earning assets | $2,029,070,333 | 503 |
| Average equity | $182,300,333 | 568 |
| Average total loans | $1,561,230,333 | 494 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 2,351 |
| Cost of funding earning assets | 1.2792% | 1,273 |
| Net interest margin | 3.2064% | 3,103 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.9156% | 3,821 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0967% | 2,243 |
| Return on assets (ROA) | 1.0935% | 2,215 |
| Pretax return on assets | 1.4476% | 1,774 |
| Return on Equity (ROE) | 12.7700% | 2,028 |
| Retained earnings to average equity (ytd only) | -0.6398% | 4,102 |
| Net charge-offs to loans | -0.0130% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.2583% | 3,381 |
| Assets per employee ($millions) | 11.0399% | 503 |
| Cash dividends to net income (ytd only)* | 105.0095% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,580 |
| Loan loss allowance to noncurrent loans | 3,886.2140% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,579 |
| Noncurrent loans to loans | 0.0308% | 3,542 |
| Net loans and leases to total assets | 72.1600% | 1,407 |
| Net loans and leases to deposits | 84.8620% | 1,437 |
| Net loans and leases to core deposits | 91.8404% | 1,508 |
| Total domestic deposits to total assets | 85.0400% | 2,850 |
| Equity capital to assets | 8.4352% | 2,944 |
| Core capital (leverage) ratio | 9.2958% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1213% | 2,346 |
| Memoranda: | ||
| Average total assets | $2,124,827,500 | 540 |
| Average earning assets | $1,995,631,000 | 522 |
| Average equity | $181,924,500 | 580 |
| Average total loans | $1,543,866,000 | 509 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 2,253 |
| Cost of funding earning assets | 0.3986% | 2,121 |
| Net interest margin | 3.4109% | 2,221 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9732% | 3,656 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1113% | 2,119 |
| Return on assets (ROA) | 1.0110% | 2,477 |
| Pretax return on assets | 1.3596% | 1,904 |
| Return on Equity (ROE) | 10.8100% | 2,539 |
| Retained earnings to average equity (ytd only) | 10.2749% | 1,072 |
| Net charge-offs to loans | 0.0047% | 2,262 |
| Credit loss provision to net charge-offs | 3,898.4375% | 162 |
| Earnings coverage of net charge-offs (x) | 501.7031% | 329 |
| Efficiency ratio | 55.0407% | 3,678 |
| Assets per employee ($millions) | 10.9206% | 519 |
| Cash dividends to net income (ytd only)* | 4.9650% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 2,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.4300% | 1,478 |
| Net loans and leases to deposits | 81.2189% | 1,680 |
| Net loans and leases to core deposits | 87.0510% | 1,675 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 8.6932% | 2,567 |
| Core capital (leverage) ratio | 9.5618% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5842% | 2,132 |
| Memoranda: | ||
| Average total assets | $1,992,112,800 | 552 |
| Average earning assets | $1,866,413,600 | 535 |
| Average equity | $186,288,200 | 558 |
| Average total loans | $1,352,010,600 | 521 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 2,192 |
| Cost of funding earning assets | 0.2681% | 2,508 |
| Net interest margin | 3.3836% | 2,028 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.9840% | 3,523 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0927% | 2,132 |
| Return on assets (ROA) | 1.0638% | 2,197 |
| Pretax return on assets | 1.4382% | 1,602 |
| Return on Equity (ROE) | 11.1700% | 2,312 |
| Retained earnings to average equity (ytd only) | 10.4564% | 1,209 |
| Net charge-offs to loans | 0.0068% | 1,902 |
| Credit loss provision to net charge-offs | 2,410.4478% | 212 |
| Earnings coverage of net charge-offs (x) | 349.1194% | 426 |
| Efficiency ratio | 55.6030% | 3,661 |
| Assets per employee ($millions) | 10.6673% | 545 |
| Cash dividends to net income (ytd only)* | 6.3666% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,741 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.4400% | 1,533 |
| Net loans and leases to deposits | 78.0416% | 1,701 |
| Net loans and leases to core deposits | 83.5767% | 1,685 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 8.6537% | 2,436 |
| Core capital (leverage) ratio | 9.4310% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5768% | 2,228 |
| Memoranda: | ||
| Average total assets | $1,968,682,500 | 556 |
| Average earning assets | $1,843,953,750 | 544 |
| Average equity | $187,528,750 | 559 |
| Average total loans | $1,313,178,750 | 528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 2,091 |
| Cost of funding earning assets | 0.2201% | 2,642 |
| Net interest margin | 3.2953% | 1,924 |
| Noninterest income to average assets | 0.3643% | 2,963 |
| Noninterest expense to average assets | 1.9697% | 3,514 |
| Loan and lease loss provision to assets | 0.0725% | 1,326 |
| Net operating income to assets | 1.0417% | 2,015 |
| Return on assets (ROA) | 1.0432% | 1,974 |
| Pretax return on assets | 1.4097% | 1,413 |
| Return on Equity (ROE) | 10.6124% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.5667% | 1,126 |
| Net charge-offs to loans | -0.0039% | 3,272 |
| Credit loss provision to net charge-offs | -2,820.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0922% | 3,674 |
| Assets per employee ($millions) | 10.5004% | 568 |
| Cash dividends to net income (ytd only)* | 9.8532% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.3060% | 1,548 |
| Net loans and leases to deposits | 77.5367% | 1,571 |
| Net loans and leases to core deposits | 83.2365% | 1,501 |
| Total domestic deposits to total assets | 86.8054% | 3,006 |
| Equity capital to assets | 8.8769% | 2,468 |
| Core capital (leverage) ratio | 9.3766% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6667% | 2,223 |
| Memoranda: | ||
| Average total assets | $1,945,759,000 | 560 |
| Average earning assets | $1,822,039,667 | 554 |
| Average equity | $191,266,667 | 558 |
| Average total loans | $1,273,734,000 | 538 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 1,999 |
| Cost of funding earning assets | 0.2154% | 2,594 |
| Net interest margin | 3.2157% | 1,832 |
| Noninterest income to average assets | 0.4028% | 2,673 |
| Noninterest expense to average assets | 2.0124% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0128% | 1,822 |
| Return on assets (ROA) | 1.0162% | 1,798 |
| Pretax return on assets | 1.4052% | 1,238 |
| Return on Equity (ROE) | 9.8350% | 2,031 |
| Retained earnings to average equity (ytd only) | 7.8089% | 1,639 |
| Net charge-offs to loans | -0.0059% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9585% | 3,588 |
| Assets per employee ($millions) | 10.3540% | 625 |
| Cash dividends to net income (ytd only)* | 20.6016% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.2005% | 1,717 |
| Net loans and leases to deposits | 72.2233% | 1,761 |
| Net loans and leases to core deposits | 77.5414% | 1,650 |
| Total domestic deposits to total assets | 87.5072% | 2,743 |
| Equity capital to assets | 9.7058% | 2,123 |
| Core capital (leverage) ratio | 9.4153% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4073% | 2,033 |
| Memoranda: | ||
| Average total assets | $1,910,595,500 | 576 |
| Average earning assets | $1,788,606,500 | 563 |
| Average equity | $197,417,000 | 556 |
| Average total loans | $1,224,234,500 | 549 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 2,390 |
| Cost of funding earning assets | 0.2682% | 2,719 |
| Net interest margin | 3.3318% | 2,231 |
| Noninterest income to average assets | 0.6232% | 2,060 |
| Noninterest expense to average assets | 2.1208% | 3,334 |
| Loan and lease loss provision to assets | -0.0095% | 4,166 |
| Net operating income to assets | 1.2429% | 1,767 |
| Return on assets (ROA) | 1.2529% | 1,789 |
| Pretax return on assets | 1.6453% | 1,293 |
| Return on Equity (ROE) | 11.5359% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.3991% | 822 |
| Net charge-offs to loans | -0.0115% | 3,790 |
| Credit loss provision to net charge-offs | 123.0769% | 1,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6481% | 3,621 |
| Assets per employee ($millions) | 9.9141% | 680 |
| Cash dividends to net income (ytd only)* | 9.8543% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,533 |
| Loan loss allowance to noncurrent loans | 1,265.2941% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,528 |
| Noncurrent loans to loans | 0.1000% | 3,428 |
| Net loans and leases to total assets | 63.3799% | 1,776 |
| Net loans and leases to deposits | 73.6958% | 1,745 |
| Net loans and leases to core deposits | 79.6614% | 1,624 |
| Total domestic deposits to total assets | 86.0020% | 2,905 |
| Equity capital to assets | 10.9980% | 1,794 |
| Core capital (leverage) ratio | 9.5501% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9201% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,682,211,200 | 622 |
| Average earning assets | $1,575,598,000 | 607 |
| Average equity | $182,708,600 | 594 |
| Average total loans | $1,130,814,600 | 587 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 2,497 |
| Cost of funding earning assets | 0.2842% | 2,757 |
| Net interest margin | 3.3377% | 2,314 |
| Noninterest income to average assets | 0.6405% | 2,053 |
| Noninterest expense to average assets | 2.1438% | 3,240 |
| Loan and lease loss provision to assets | -0.0130% | 4,330 |
| Net operating income to assets | 1.2432% | 2,014 |
| Return on assets (ROA) | 1.2547% | 2,041 |
| Pretax return on assets | 1.6491% | 1,552 |
| Return on Equity (ROE) | 11.5938% | 2,182 |
| Retained earnings to average equity (ytd only) | 10.0329% | 1,302 |
| Net charge-offs to loans | 0.0031% | 2,236 |
| Credit loss provision to net charge-offs | -615.3846% | 3,714 |
| Earnings coverage of net charge-offs (x) | 766.8077% | 208 |
| Efficiency ratio | 56.9349% | 3,423 |
| Assets per employee ($millions) | 9.5381% | 756 |
| Cash dividends to net income (ytd only)* | 13.4634% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,645 |
| Loan loss allowance to noncurrent loans | 82,777.7778% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,288 |
| Noncurrent loans to loans | 0.0015% | 4,219 |
| Net loans and leases to total assets | 66.1826% | 1,521 |
| Net loans and leases to deposits | 77.5928% | 1,516 |
| Net loans and leases to core deposits | 84.4625% | 1,392 |
| Total domestic deposits to total assets | 85.2948% | 3,017 |
| Equity capital to assets | 11.5052% | 1,674 |
| Core capital (leverage) ratio | 9.6933% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1015% | 1,933 |
| Memoranda: | ||
| Average total assets | $1,639,279,250 | 641 |
| Average earning assets | $1,534,753,750 | 629 |
| Average equity | $177,411,500 | 619 |
| Average total loans | $1,115,998,000 | 604 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 2,493 |
| Cost of funding earning assets | 0.3085% | 2,694 |
| Net interest margin | 3.3346% | 2,342 |
| Noninterest income to average assets | 0.4483% | 2,853 |
| Noninterest expense to average assets | 2.1679% | 3,193 |
| Loan and lease loss provision to assets | -0.0200% | 4,430 |
| Net operating income to assets | 1.0792% | 2,608 |
| Return on assets (ROA) | 1.1038% | 2,599 |
| Pretax return on assets | 1.4487% | 2,179 |
| Return on Equity (ROE) | 10.4394% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.6255% | 1,843 |
| Net charge-offs to loans | 0.0142% | 1,664 |
| Credit loss provision to net charge-offs | -205.1282% | 3,214 |
| Earnings coverage of net charge-offs (x) | 143.4103% | 608 |
| Efficiency ratio | 60.8018% | 2,896 |
| Assets per employee ($millions) | 9.1093% | 829 |
| Cash dividends to net income (ytd only)* | 17.3760% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,455 |
| Loan loss allowance to noncurrent loans | 74,240.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,338 |
| Noncurrent loans to loans | 0.0017% | 4,264 |
| Net loans and leases to total assets | 67.8011% | 1,471 |
| Net loans and leases to deposits | 78.0954% | 1,613 |
| Net loans and leases to core deposits | 84.7043% | 1,515 |
| Total domestic deposits to total assets | 86.8182% | 2,414 |
| Equity capital to assets | 9.9761% | 2,871 |
| Core capital (leverage) ratio | 7.9066% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6925% | 2,812 |
| Memoranda: | ||
| Average total assets | $1,600,702,000 | 649 |
| Average earning assets | $1,496,386,333 | 635 |
| Average equity | $169,242,667 | 639 |
| Average total loans | $1,095,860,000 | 615 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 2,226 |
| Cost of funding earning assets | 0.3426% | 2,590 |
| Net interest margin | 3.4141% | 2,071 |
| Noninterest income to average assets | 0.5764% | 2,306 |
| Noninterest expense to average assets | 2.2144% | 3,061 |
| Loan and lease loss provision to assets | -0.0408% | 4,633 |
| Net operating income to assets | 1.2075% | 2,113 |
| Return on assets (ROA) | 1.2200% | 2,151 |
| Pretax return on assets | 1.6022% | 1,719 |
| Return on Equity (ROE) | 11.2024% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.3701% | 1,835 |
| Net charge-offs to loans | -0.0310% | 4,186 |
| Credit loss provision to net charge-offs | 192.7711% | 900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8938% | 3,169 |
| Assets per employee ($millions) | 8.7815% | 894 |
| Cash dividends to net income (ytd only)* | 16.3564% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,157 |
| Loan loss allowance to noncurrent loans | 2,213.7168% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,079 |
| Noncurrent loans to loans | 0.0614% | 3,978 |
| Net loans and leases to total assets | 66.6707% | 1,707 |
| Net loans and leases to deposits | 77.2662% | 1,776 |
| Net loans and leases to core deposits | 84.6885% | 1,617 |
| Total domestic deposits to total assets | 86.2870% | 2,631 |
| Equity capital to assets | 10.4340% | 2,331 |
| Core capital (leverage) ratio | 8.5716% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7953% | 2,375 |
| Memoranda: | ||
| Average total assets | $1,567,550,500 | 649 |
| Average earning assets | $1,461,701,000 | 645 |
| Average equity | $170,713,000 | 632 |
| Average total loans | $1,071,242,500 | 632 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 2,616 |
| Cost of funding earning assets | 0.6930% | 1,753 |
| Net interest margin | 3.3434% | 2,946 |
| Noninterest income to average assets | 0.4005% | 3,085 |
| Noninterest expense to average assets | 2.3362% | 3,303 |
| Loan and lease loss provision to assets | 0.2298% | 1,694 |
| Net operating income to assets | 0.6914% | 3,462 |
| Return on assets (ROA) | 0.7157% | 3,512 |
| Pretax return on assets | 0.9482% | 3,224 |
| Return on Equity (ROE) | 6.1335% | 3,538 |
| Retained earnings to average equity (ytd only) | 4.2383% | 2,690 |
| Net charge-offs to loans | 0.0158% | 2,787 |
| Credit loss provision to net charge-offs | 2,006.1728% | 443 |
| Earnings coverage of net charge-offs (x) | 100.1481% | 782 |
| Efficiency ratio | 67.0646% | 2,355 |
| Assets per employee ($millions) | 8.3829% | 918 |
| Cash dividends to net income (ytd only)* | 30.8992% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,766 |
| Loan loss allowance to noncurrent loans | 956.0203% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,770 |
| Noncurrent loans to loans | 0.1519% | 3,677 |
| Net loans and leases to total assets | 68.2032% | 1,803 |
| Net loans and leases to deposits | 80.2159% | 1,842 |
| Net loans and leases to core deposits | 87.3455% | 1,757 |
| Total domestic deposits to total assets | 85.0245% | 2,749 |
| Equity capital to assets | 11.3493% | 1,989 |
| Core capital (leverage) ratio | 8.6024% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2423% | 2,148 |
| Memoranda: | ||
| Average total assets | $1,414,064,600 | 651 |
| Average earning assets | $1,303,977,400 | 648 |
| Average equity | $164,995,600 | 619 |
| Average total loans | $1,024,350,400 | 625 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 2,639 |
| Cost of funding earning assets | 0.7752% | 1,608 |
| Net interest margin | 3.3405% | 3,074 |
| Noninterest income to average assets | 0.4043% | 3,055 |
| Noninterest expense to average assets | 2.3717% | 3,211 |
| Loan and lease loss provision to assets | 0.3112% | 1,284 |
| Net operating income to assets | 0.5983% | 3,773 |
| Return on assets (ROA) | 0.6303% | 3,783 |
| Pretax return on assets | 0.8352% | 3,555 |
| Return on Equity (ROE) | 5.3627% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.4524% | 3,334 |
| Net charge-offs to loans | 0.0054% | 2,949 |
| Credit loss provision to net charge-offs | 7,926.8293% | 151 |
| Earnings coverage of net charge-offs (x) | 281.6829% | 383 |
| Efficiency ratio | 68.2003% | 2,160 |
| Assets per employee ($millions) | 8.3766% | 883 |
| Cash dividends to net income (ytd only)* | 35.6221% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,505 |
| Loan loss allowance to noncurrent loans | 929.5232% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,886 |
| Noncurrent loans to loans | 0.1570% | 3,756 |
| Net loans and leases to total assets | 68.8715% | 2,126 |
| Net loans and leases to deposits | 81.4206% | 2,156 |
| Net loans and leases to core deposits | 89.0494% | 2,057 |
| Total domestic deposits to total assets | 84.5874% | 2,600 |
| Equity capital to assets | 11.3066% | 2,144 |
| Core capital (leverage) ratio | 8.7325% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3357% | 2,056 |
| Memoranda: | ||
| Average total assets | $1,392,445,250 | 644 |
| Average earning assets | $1,281,060,250 | 645 |
| Average equity | $163,669,250 | 617 |
| Average total loans | $1,020,812,000 | 622 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,646 |
| Cost of funding earning assets | 0.8691% | 1,501 |
| Net interest margin | 3.3671% | 3,201 |
| Noninterest income to average assets | 0.3597% | 3,329 |
| Noninterest expense to average assets | 2.4109% | 3,234 |
| Loan and lease loss provision to assets | 0.4781% | 775 |
| Net operating income to assets | 0.4186% | 4,194 |
| Return on assets (ROA) | 0.4678% | 4,156 |
| Pretax return on assets | 0.6197% | 4,019 |
| Return on Equity (ROE) | 3.9252% | 4,128 |
| Retained earnings to average equity (ytd only) | 1.9959% | 3,758 |
| Net charge-offs to loans | -0.0148% | 4,319 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9518% | 1,964 |
| Assets per employee ($millions) | 8.4243% | 833 |
| Cash dividends to net income (ytd only)* | 49.1509% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,394 |
| Loan loss allowance to noncurrent loans | 273.0886% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 2,725 |
| Noncurrent loans to loans | 0.5323% | 2,571 |
| Net loans and leases to total assets | 72.5373% | 1,617 |
| Net loans and leases to deposits | 86.3516% | 1,724 |
| Net loans and leases to core deposits | 95.5536% | 1,609 |
| Total domestic deposits to total assets | 84.0022% | 2,744 |
| Equity capital to assets | 11.5643% | 1,928 |
| Core capital (leverage) ratio | 8.7997% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1415% | 2,120 |
| Memoranda: | ||
| Average total assets | $1,359,581,667 | 644 |
| Average earning assets | $1,246,409,000 | 646 |
| Average equity | $162,030,333 | 622 |
| Average total loans | $1,013,714,000 | 616 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,776 |
| Cost of funding earning assets | 1.0022% | 1,412 |
| Net interest margin | 3.3486% | 3,452 |
| Noninterest income to average assets | 0.4513% | 2,781 |
| Noninterest expense to average assets | 2.4862% | 3,316 |
| Loan and lease loss provision to assets | 0.4534% | 663 |
| Net operating income to assets | 0.4249% | 4,077 |
| Return on assets (ROA) | 0.5247% | 3,884 |
| Pretax return on assets | 0.6952% | 3,699 |
| Return on Equity (ROE) | 4.3336% | 3,859 |
| Retained earnings to average equity (ytd only) | 2.3815% | 3,312 |
| Net charge-offs to loans | -0.0495% | 4,635 |
| Credit loss provision to net charge-offs | -1,219.5122% | 3,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8624% | 2,238 |
| Assets per employee ($millions) | 7.5815% | 870 |
| Cash dividends to net income (ytd only)* | 45.0461% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,762 |
| Loan loss allowance to noncurrent loans | 605.3778% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 3,820 |
| Noncurrent loans to loans | 0.2284% | 3,671 |
| Net loans and leases to total assets | 72.8025% | 1,802 |
| Net loans and leases to deposits | 89.2554% | 1,602 |
| Net loans and leases to core deposits | 100.1132% | 1,457 |
| Total domestic deposits to total assets | 81.5665% | 3,532 |
| Equity capital to assets | 12.0054% | 2,066 |
| Core capital (leverage) ratio | 9.1188% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2961% | 2,571 |
| Memoranda: | ||
| Average total assets | $1,323,309,500 | 633 |
| Average earning assets | $1,208,137,500 | 633 |
| Average equity | $160,238,000 | 619 |
| Average total loans | $993,497,000 | 599 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 2,998 |
| Cost of funding earning assets | 1.0785% | 1,409 |
| Net interest margin | 3.4051% | 3,733 |
| Noninterest income to average assets | 0.4843% | 2,832 |
| Noninterest expense to average assets | 2.4972% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8343% | 3,435 |
| Return on assets (ROA) | 0.8375% | 3,515 |
| Pretax return on assets | 1.1096% | 3,137 |
| Return on Equity (ROE) | 6.7408% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.5562% | 2,128 |
| Net charge-offs to loans | -0.1244% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3156% | 2,274 |
| Assets per employee ($millions) | 7.5418% | 846 |
| Cash dividends to net income (ytd only)* | 17.5729% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,448 |
| Loan loss allowance to noncurrent loans | 2,385.2883% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,446 |
| Noncurrent loans to loans | 0.0502% | 4,345 |
| Net loans and leases to total assets | 75.4369% | 1,516 |
| Net loans and leases to deposits | 97.0874% | 832 |
| Net loans and leases to core deposits | 108.4809% | 943 |
| Total domestic deposits to total assets | 77.7000% | 4,404 |
| Equity capital to assets | 12.2141% | 2,006 |
| Core capital (leverage) ratio | 9.1514% | 4,402 |
| Tier 1 risk-based capital ratio | 11.5640% | 4,592 |
| Total risk-based capital ratio | 12.7795% | 4,494 |
| Memoranda: | ||
| Average total assets | $1,240,659,200 | 639 |
| Average earning assets | $1,136,166,200 | 639 |
| Average equity | $154,150,800 | 609 |
| Average total loans | $931,774,000 | 615 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 3,192 |
| Cost of funding earning assets | 1.0756% | 1,445 |
| Net interest margin | 3.3789% | 3,917 |
| Noninterest income to average assets | 0.4880% | 2,808 |
| Noninterest expense to average assets | 2.5370% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7821% | 3,728 |
| Return on assets (ROA) | 0.7821% | 3,799 |
| Pretax return on assets | 1.0478% | 3,452 |
| Return on Equity (ROE) | 6.2665% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.3544% | 2,706 |
| Net charge-offs to loans | -0.1343% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7720% | 2,006 |
| Assets per employee ($millions) | 7.2500% | 932 |
| Cash dividends to net income (ytd only)* | 14.5546% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,415 |
| Loan loss allowance to noncurrent loans | 2,274.6615% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,515 |
| Noncurrent loans to loans | 0.0536% | 4,403 |
| Net loans and leases to total assets | 74.2979% | 1,758 |
| Net loans and leases to deposits | 91.7321% | 1,473 |
| Net loans and leases to core deposits | 101.5437% | 1,541 |
| Total domestic deposits to total assets | 80.9944% | 3,758 |
| Equity capital to assets | 12.3235% | 2,028 |
| Core capital (leverage) ratio | 9.0967% | 4,555 |
| Tier 1 risk-based capital ratio | 11.5166% | 4,661 |
| Total risk-based capital ratio | 12.7383% | 4,576 |
| Memoranda: | ||
| Average total assets | $1,222,756,000 | 648 |
| Average earning assets | $1,120,694,750 | 649 |
| Average equity | $152,618,000 | 613 |
| Average total loans | $914,233,750 | 635 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 3,241 |
| Cost of funding earning assets | 1.0475% | 1,507 |
| Net interest margin | 3.3836% | 3,943 |
| Noninterest income to average assets | 0.4279% | 3,082 |
| Noninterest expense to average assets | 2.5325% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7471% | 3,843 |
| Return on assets (ROA) | 0.7471% | 3,906 |
| Pretax return on assets | 1.0008% | 3,545 |
| Return on Equity (ROE) | 5.9585% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.6109% | 2,464 |
| Net charge-offs to loans | -0.1792% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6747% | 1,967 |
| Assets per employee ($millions) | 7.2557% | 898 |
| Cash dividends to net income (ytd only)* | 5.8326% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,120 |
| Loan loss allowance to noncurrent loans | 2,205.1136% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,561 |
| Noncurrent loans to loans | 0.0578% | 4,423 |
| Net loans and leases to total assets | 71.4636% | 2,296 |
| Net loans and leases to deposits | 91.4027% | 1,570 |
| Net loans and leases to core deposits | 100.1469% | 1,711 |
| Total domestic deposits to total assets | 78.1854% | 4,356 |
| Equity capital to assets | 12.3140% | 1,974 |
| Core capital (leverage) ratio | 9.3377% | 4,323 |
| Tier 1 risk-based capital ratio | 11.7174% | 4,561 |
| Total risk-based capital ratio | 12.9675% | 4,469 |
| Memoranda: | ||
| Average total assets | $1,202,589,330 | 661 |
| Average earning assets | $1,103,731,670 | 657 |
| Average equity | $150,776,670 | 615 |
| Average total loans | $897,247,670 | 645 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 3,087 |
| Cost of funding earning assets | 1.0006% | 1,563 |
| Net interest margin | 3.4383% | 3,782 |
| Noninterest income to average assets | 0.3988% | 3,190 |
| Noninterest expense to average assets | 2.5727% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7416% | 3,797 |
| Return on assets (ROA) | 0.7416% | 3,848 |
| Pretax return on assets | 0.9933% | 3,456 |
| Return on Equity (ROE) | 5.8585% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.5055% | 2,694 |
| Net charge-offs to loans | -0.2709% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1446% | 2,018 |
| Assets per employee ($millions) | 6.8389% | 1,067 |
| Cash dividends to net income (ytd only)* | 6.0258% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,159 |
| Loan loss allowance to noncurrent loans | 2,114.7874% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,601 |
| Noncurrent loans to loans | 0.0608% | 4,486 |
| Net loans and leases to total assets | 73.8247% | 1,838 |
| Net loans and leases to deposits | 93.1414% | 1,267 |
| Net loans and leases to core deposits | 101.9356% | 1,469 |
| Total domestic deposits to total assets | 79.2609% | 4,305 |
| Equity capital to assets | 12.6364% | 1,666 |
| Core capital (leverage) ratio | 9.3243% | 4,341 |
| Tier 1 risk-based capital ratio | 12.2216% | 4,340 |
| Total risk-based capital ratio | 13.4727% | 4,210 |
| Memoranda: | ||
| Average total assets | $1,172,641,500 | 680 |
| Average earning assets | $1,080,191,500 | 670 |
| Average equity | $148,433,500 | 621 |
| Average total loans | $888,941,500 | 653 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 3,386 |
| Cost of funding earning assets | 0.7880% | 1,590 |
| Net interest margin | 3.4307% | 3,907 |
| Noninterest income to average assets | 0.5011% | 2,829 |
| Noninterest expense to average assets | 2.7836% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 3.2802% | 66 |
| Return on assets (ROA) | 3.0893% | 72 |
| Pretax return on assets | 0.7385% | 4,315 |
| Return on Equity (ROE) | 28.4541% | 45 |
| Retained earnings to average equity (ytd only) | 27.9132% | 15 |
| Net charge-offs to loans | -0.0761% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9705% | 1,501 |
| Assets per employee ($millions) | 6.6781% | 1,128 |
| Cash dividends to net income (ytd only)* | 1.9008% | 3,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,465 |
| Loan loss allowance to noncurrent loans | 6,609.1463% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,824 |
| Noncurrent loans to loans | 0.0185% | 4,710 |
| Net loans and leases to total assets | 75.9198% | 1,630 |
| Net loans and leases to deposits | 98.7126% | 834 |
| Net loans and leases to core deposits | 107.5287% | 1,155 |
| Total domestic deposits to total assets | 76.9099% | 4,644 |
| Equity capital to assets | 12.6804% | 1,493 |
| Core capital (leverage) ratio | 9.2326% | 4,418 |
| Tier 1 risk-based capital ratio | 11.8780% | 4,512 |
| Total risk-based capital ratio | 13.1283% | 4,393 |
| Memoranda: | ||
| Average total assets | $1,117,134,200 | 689 |
| Average earning assets | $1,045,875,400 | 672 |
| Average equity | $121,290,200 | 710 |
| Average total loans | $840,023,600 | 664 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,474 |
| Cost of funding earning assets | 0.7370% | 1,641 |
| Net interest margin | 3.4100% | 3,978 |
| Noninterest income to average assets | 0.5153% | 2,770 |
| Noninterest expense to average assets | 2.7687% | 2,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9550% | 3,284 |
| Return on assets (ROA) | 0.8936% | 3,566 |
| Pretax return on assets | 0.8936% | 4,042 |
| Return on Equity (ROE) | 8.6070% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.9983% | 1,657 |
| Net charge-offs to loans | -0.0712% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3542% | 1,539 |
| Assets per employee ($millions) | 6.6529% | 1,114 |
| Cash dividends to net income (ytd only)* | 7.0726% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,523 |
| Loan loss allowance to noncurrent loans | 6,223.3918% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,927 |
| Noncurrent loans to loans | 0.0196% | 4,822 |
| Net loans and leases to total assets | 74.5450% | 1,892 |
| Net loans and leases to deposits | 93.6032% | 1,418 |
| Net loans and leases to core deposits | 100.7646% | 1,715 |
| Total domestic deposits to total assets | 79.6394% | 4,187 |
| Equity capital to assets | 10.1197% | 3,519 |
| Core capital (leverage) ratio | 8.8805% | 4,820 |
| Tier 1 risk-based capital ratio | 11.7841% | 4,612 |
| Total risk-based capital ratio | 13.0342% | 4,502 |
| Memoranda: | ||
| Average total assets | $1,107,589,250 | 692 |
| Average earning assets | $1,042,071,000 | 676 |
| Average equity | $114,988,250 | 740 |
| Average total loans | $828,041,750 | 671 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,542 |
| Cost of funding earning assets | 0.6715% | 1,805 |
| Net interest margin | 3.4022% | 3,945 |
| Noninterest income to average assets | 0.4539% | 3,126 |
| Noninterest expense to average assets | 2.8173% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8347% | 3,736 |
| Return on assets (ROA) | 0.8347% | 3,742 |
| Pretax return on assets | 0.8347% | 4,153 |
| Return on Equity (ROE) | 7.9689% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.7396% | 1,734 |
| Net charge-offs to loans | -0.0642% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1436% | 1,292 |
| Assets per employee ($millions) | 6.6516% | 1,097 |
| Cash dividends to net income (ytd only)* | 2.8772% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,625 |
| Loan loss allowance to noncurrent loans | 5,811.6667% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,960 |
| Noncurrent loans to loans | 0.0209% | 4,841 |
| Net loans and leases to total assets | 72.1676% | 2,251 |
| Net loans and leases to deposits | 88.8735% | 2,001 |
| Net loans and leases to core deposits | 94.4718% | 2,185 |
| Total domestic deposits to total assets | 81.2026% | 3,944 |
| Equity capital to assets | 9.7826% | 3,836 |
| Core capital (leverage) ratio | 8.9090% | 4,772 |
| Tier 1 risk-based capital ratio | 11.3566% | 4,866 |
| Total risk-based capital ratio | 12.5723% | 4,781 |
| Memoranda: | ||
| Average total assets | $1,090,916,670 | 701 |
| Average earning assets | $1,025,462,330 | 687 |
| Average equity | $114,269,000 | 744 |
| Average total loans | $812,862,330 | 680 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,419 |
| Cost of funding earning assets | 0.5995% | 2,057 |
| Net interest margin | 3.4497% | 3,705 |
| Noninterest income to average assets | 0.4444% | 3,153 |
| Noninterest expense to average assets | 2.9035% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7746% | 3,814 |
| Return on assets (ROA) | 0.7746% | 3,812 |
| Pretax return on assets | 0.7746% | 4,210 |
| Return on Equity (ROE) | 7.1307% | 3,736 |
| Retained earnings to average equity (ytd only) | 7.1307% | 2,223 |
| Net charge-offs to loans | -0.0289% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9392% | 1,262 |
| Assets per employee ($millions) | 6.1159% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,454 |
| Loan loss allowance to noncurrent loans | 5,260.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,031 |
| Noncurrent loans to loans | 0.0240% | 4,875 |
| Net loans and leases to total assets | 72.9343% | 2,036 |
| Net loans and leases to deposits | 89.3118% | 1,779 |
| Net loans and leases to core deposits | 93.7612% | 2,161 |
| Total domestic deposits to total assets | 81.6625% | 4,047 |
| Equity capital to assets | 10.3335% | 3,235 |
| Core capital (leverage) ratio | 9.1928% | 4,441 |
| Tier 1 risk-based capital ratio | 11.7665% | 4,703 |
| Total risk-based capital ratio | 13.0167% | 4,581 |
| Memoranda: | ||
| Average total assets | $1,047,710,500 | 733 |
| Average earning assets | $982,100,500 | 723 |
| Average equity | $113,817,000 | 747 |
| Average total loans | $789,238,000 | 704 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 3,935 |
| Cost of funding earning assets | 0.4916% | 2,411 |
| Net interest margin | 3.3425% | 4,033 |
| Noninterest income to average assets | 0.6498% | 2,198 |
| Noninterest expense to average assets | 3.2711% | 1,432 |
| Loan and lease loss provision to assets | -0.0546% | 5,410 |
| Net operating income to assets | 2.7109% | 93 |
| Return on assets (ROA) | 2.6798% | 97 |
| Pretax return on assets | 0.5685% | 4,810 |
| Return on Equity (ROE) | 27.8075% | 47 |
| Retained earnings to average equity (ytd only) | 27.1894% | 17 |
| Net charge-offs to loans | -0.2950% | 5,564 |
| Credit loss provision to net charge-offs | 24.7479% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7196% | 658 |
| Assets per employee ($millions) | 5.2903% | 2,159 |
| Cash dividends to net income (ytd only)* | 2.2230% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,060 |
| Loan loss allowance to noncurrent loans | 590.2778% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 4,260 |
| Noncurrent loans to loans | 0.2258% | 4,003 |
| Net loans and leases to total assets | 75.9244% | 1,612 |
| Net loans and leases to deposits | 91.8112% | 1,551 |
| Net loans and leases to core deposits | 96.2760% | 2,002 |
| Total domestic deposits to total assets | 82.6962% | 3,661 |
| Equity capital to assets | 11.4499% | 2,235 |
| Core capital (leverage) ratio | 9.6972% | 3,818 |
| Tier 1 risk-based capital ratio | 12.1201% | 4,447 |
| Total risk-based capital ratio | 13.3776% | 4,338 |
| Memoranda: | ||
| Average total assets | $988,730,000 | 751 |
| Average earning assets | $936,561,000 | 723 |
| Average equity | $95,283,600 | 860 |
| Average total loans | $739,724,000 | 711 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 4,052 |
| Cost of funding earning assets | 0.4778% | 2,449 |
| Net interest margin | 3.3097% | 4,137 |
| Noninterest income to average assets | 0.6847% | 2,065 |
| Noninterest expense to average assets | 3.1770% | 1,613 |
| Loan and lease loss provision to assets | -0.0729% | 5,558 |
| Net operating income to assets | 0.7276% | 3,831 |
| Return on assets (ROA) | 0.7276% | 3,902 |
| Pretax return on assets | 0.7276% | 4,534 |
| Return on Equity (ROE) | 7.9261% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.9261% | 1,254 |
| Net charge-offs to loans | -0.3234% | 5,611 |
| Credit loss provision to net charge-offs | 30.3541% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9133% | 845 |
| Assets per employee ($millions) | 5.2124% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 2,281 |
| Loan loss allowance to noncurrent loans | 866.2246% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,676 |
| Noncurrent loans to loans | 0.1520% | 4,448 |
| Net loans and leases to total assets | 73.7583% | 1,954 |
| Net loans and leases to deposits | 90.2139% | 1,783 |
| Net loans and leases to core deposits | 94.3013% | 2,244 |
| Total domestic deposits to total assets | 81.7593% | 3,848 |
| Equity capital to assets | 9.4355% | 4,503 |
| Core capital (leverage) ratio | 9.6066% | 4,029 |
| Tier 1 risk-based capital ratio | 12.5395% | 4,294 |
| Total risk-based capital ratio | 13.7905% | 4,202 |
| Memoranda: | ||
| Average total assets | $987,270,750 | 753 |
| Average earning assets | $938,749,000 | 722 |
| Average equity | $90,635,250 | 904 |
| Average total loans | $733,325,250 | 719 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,000 |
| Cost of funding earning assets | 0.4690% | 2,416 |
| Net interest margin | 3.3014% | 4,102 |
| Noninterest income to average assets | 0.7730% | 1,675 |
| Noninterest expense to average assets | 3.2010% | 1,577 |
| Loan and lease loss provision to assets | -0.1097% | 5,651 |
| Net operating income to assets | 0.8203% | 3,295 |
| Return on assets (ROA) | 0.8203% | 3,353 |
| Pretax return on assets | 0.8203% | 4,200 |
| Return on Equity (ROE) | 9.0199% | 2,500 |
| Retained earnings to average equity (ytd only) | 9.0199% | 836 |
| Net charge-offs to loans | -0.5449% | 5,695 |
| Credit loss provision to net charge-offs | 27.1630% | 2,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8333% | 1,024 |
| Assets per employee ($millions) | 5.2634% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,974 |
| Loan loss allowance to noncurrent loans | 279.0296% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 3,668 |
| Noncurrent loans to loans | 0.4994% | 3,255 |
| Net loans and leases to total assets | 71.5565% | 2,270 |
| Net loans and leases to deposits | 87.4754% | 2,047 |
| Net loans and leases to core deposits | 91.3258% | 2,390 |
| Total domestic deposits to total assets | 81.8019% | 3,943 |
| Equity capital to assets | 9.3453% | 4,571 |
| Core capital (leverage) ratio | 8.7317% | 5,023 |
| Tier 1 risk-based capital ratio | 11.7695% | 4,785 |
| Total risk-based capital ratio | 14.0413% | 4,035 |
| Memoranda: | ||
| Average total assets | $984,508,000 | 757 |
| Average earning assets | $935,962,670 | 730 |
| Average equity | $89,535,000 | 918 |
| Average total loans | $729,732,330 | 719 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 4,344 |
| Cost of funding earning assets | 0.4568% | 2,464 |
| Net interest margin | 3.1704% | 4,437 |
| Noninterest income to average assets | 0.9967% | 1,012 |
| Noninterest expense to average assets | 3.2399% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7707% | 3,362 |
| Return on assets (ROA) | 0.7707% | 3,419 |
| Pretax return on assets | 0.7707% | 4,213 |
| Return on Equity (ROE) | 8.5936% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.5936% | 1,236 |
| Net charge-offs to loans | -0.1979% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7841% | 1,281 |
| Assets per employee ($millions) | 5.0988% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,066 |
| Loan loss allowance to noncurrent loans | 90.7445% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,537 |
| Noncurrent loans to loans | 1.3348% | 1,517 |
| Net loans and leases to total assets | 74.7214% | 1,626 |
| Net loans and leases to deposits | 91.3922% | 1,388 |
| Net loans and leases to core deposits | 95.5506% | 1,849 |
| Total domestic deposits to total assets | 81.7591% | 4,229 |
| Equity capital to assets | 9.2180% | 4,599 |
| Core capital (leverage) ratio | 8.6124% | 5,142 |
| Tier 1 risk-based capital ratio | 11.5108% | 5,020 |
| Total risk-based capital ratio | 13.7694% | 4,285 |
| Memoranda: | ||
| Average total assets | $982,002,000 | 763 |
| Average earning assets | $933,513,500 | 739 |
| Average equity | $88,065,500 | 926 |
| Average total loans | $735,562,500 | 717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,576 |
| Cost of funding earning assets | 0.4271% | 2,736 |
| Net interest margin | 3.4711% | 3,541 |
| Noninterest income to average assets | 0.6989% | 2,177 |
| Noninterest expense to average assets | 3.7649% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2338% | 5,343 |
| Return on assets (ROA) | 0.2349% | 5,414 |
| Pretax return on assets | 0.2349% | 5,448 |
| Return on Equity (ROE) | 2.5546% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.5546% | 4,063 |
| Net charge-offs to loans | -0.1420% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1538% | 374 |
| Assets per employee ($millions) | 4.9260% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,339 |
| Loan loss allowance to noncurrent loans | 80.1461% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.5761% | 1,026 |
| Noncurrent loans to loans | 1.4538% | 1,393 |
| Net loans and leases to total assets | 73.3189% | 1,957 |
| Net loans and leases to deposits | 92.7156% | 1,340 |
| Net loans and leases to core deposits | 96.7321% | 1,862 |
| Total domestic deposits to total assets | 79.0794% | 4,777 |
| Equity capital to assets | 8.7220% | 5,085 |
| Core capital (leverage) ratio | 8.8229% | 4,939 |
| Tier 1 risk-based capital ratio | 11.3905% | 5,120 |
| Total risk-based capital ratio | 13.6344% | 4,340 |
| Memoranda: | ||
| Average total assets | $915,436,400 | 785 |
| Average earning assets | $870,238,600 | 751 |
| Average equity | $84,162,800 | 948 |
| Average total loans | $717,708,200 | 706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 3,546 |
| Cost of funding earning assets | 0.4243% | 2,789 |
| Net interest margin | 3.4870% | 3,519 |
| Noninterest income to average assets | 0.5813% | 2,757 |
| Noninterest expense to average assets | 3.7475% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1464% | 5,560 |
| Return on assets (ROA) | 0.1484% | 5,618 |
| Pretax return on assets | 0.1484% | 5,628 |
| Return on Equity (ROE) | 1.5914% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.5914% | 4,874 |
| Net charge-offs to loans | -0.2379% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2390% | 308 |
| Assets per employee ($millions) | 4.3521% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,012 |
| Loan loss allowance to noncurrent loans | 71.2081% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9358% | 817 |
| Noncurrent loans to loans | 1.7424% | 1,197 |
| Net loans and leases to total assets | 78.2364% | 1,152 |
| Net loans and leases to deposits | 93.6998% | 1,292 |
| Net loans and leases to core deposits | 98.4365% | 1,773 |
| Total domestic deposits to total assets | 83.4968% | 3,399 |
| Equity capital to assets | 9.8824% | 4,267 |
| Core capital (leverage) ratio | 8.9428% | 4,890 |
| Tier 1 risk-based capital ratio | 11.3809% | 5,168 |
| Total risk-based capital ratio | 13.6846% | 4,413 |
| Memoranda: | ||
| Average total assets | $896,763,500 | 806 |
| Average earning assets | $851,908,750 | 769 |
| Average equity | $83,613,750 | 961 |
| Average total loans | $713,508,000 | 707 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 3,806 |
| Cost of funding earning assets | 0.4242% | 2,787 |
| Net interest margin | 3.4159% | 3,827 |
| Noninterest income to average assets | 0.5450% | 2,930 |
| Noninterest expense to average assets | 3.7362% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0558% | 5,715 |
| Return on assets (ROA) | 0.0587% | 5,748 |
| Pretax return on assets | 0.0587% | 5,754 |
| Return on Equity (ROE) | 0.6418% | 5,738 |
| Retained earnings to average equity (ytd only) | 0.6418% | 5,116 |
| Net charge-offs to loans | -0.1948% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5298% | 272 |
| Assets per employee ($millions) | 4.2957% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,588 |
| Loan loss allowance to noncurrent loans | 53.6622% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.4618% | 569 |
| Noncurrent loans to loans | 2.1605% | 886 |
| Net loans and leases to total assets | 79.3396% | 1,011 |
| Net loans and leases to deposits | 94.1830% | 1,275 |
| Net loans and leases to core deposits | 98.9658% | 1,728 |
| Total domestic deposits to total assets | 84.2398% | 3,179 |
| Equity capital to assets | 9.9484% | 4,293 |
| Core capital (leverage) ratio | 8.9577% | 4,879 |
| Tier 1 risk-based capital ratio | 11.4605% | 5,185 |
| Total risk-based capital ratio | 13.7245% | 4,448 |
| Memoranda: | ||
| Average total assets | $896,843,670 | 807 |
| Average earning assets | $852,483,670 | 770 |
| Average equity | $81,952,330 | 972 |
| Average total loans | $714,604,330 | 694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 3,966 |
| Cost of funding earning assets | 0.4310% | 2,762 |
| Net interest margin | 3.3625% | 3,999 |
| Noninterest income to average assets | 0.5441% | 2,848 |
| Noninterest expense to average assets | 3.7350% | 858 |
| Loan and lease loss provision to assets | 0.3766% | 381 |
| Net operating income to assets | -0.3700% | 5,938 |
| Return on assets (ROA) | -0.3629% | 5,944 |
| Pretax return on assets | -0.3629% | 5,931 |
| Return on Equity (ROE) | -4.1515% | 5,961 |
| Retained earnings to average equity (ytd only) | -4.1515% | 5,557 |
| Net charge-offs to loans | -0.2070% | 5,859 |
| Credit loss provision to net charge-offs | -229.1105% | 4,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8224% | 295 |
| Assets per employee ($millions) | 4.5221% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 3,298 |
| Loan loss allowance to noncurrent loans | 34.0604% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 3.4342% | 335 |
| Noncurrent loans to loans | 3.6177% | 368 |
| Net loans and leases to total assets | 78.4200% | 1,042 |
| Net loans and leases to deposits | 91.1973% | 1,438 |
| Net loans and leases to core deposits | 95.4269% | 1,849 |
| Total domestic deposits to total assets | 85.9893% | 2,677 |
| Equity capital to assets | 8.8331% | 5,315 |
| Core capital (leverage) ratio | 8.6764% | 5,199 |
| Tier 1 risk-based capital ratio | 10.8829% | 5,561 |
| Total risk-based capital ratio | 12.1047% | 5,485 |
| Memoranda: | ||
| Average total assets | $902,813,500 | 802 |
| Average earning assets | $858,529,000 | 771 |
| Average equity | $78,911,500 | 1,006 |
| Average total loans | $716,749,500 | 695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,084 |
| Cost of funding earning assets | 0.4533% | 2,599 |
| Net interest margin | 3.3334% | 4,172 |
| Noninterest income to average assets | 0.7152% | 2,125 |
| Noninterest expense to average assets | 4.0498% | 623 |
| Loan and lease loss provision to assets | 0.4744% | 250 |
| Net operating income to assets | -0.6440% | 6,068 |
| Return on assets (ROA) | -0.6440% | 6,068 |
| Pretax return on assets | -0.6440% | 6,063 |
| Return on Equity (ROE) | -8.1298% | 6,084 |
| Retained earnings to average equity (ytd only) | -8.1298% | 6,002 |
| Net charge-offs to loans | 0.5412% | 473 |
| Credit loss provision to net charge-offs | 108.4313% | 2,327 |
| Earnings coverage of net charge-offs (x) | -0.3876% | 4,297 |
| Efficiency ratio | 104.3706% | 206 |
| Assets per employee ($millions) | 4.4620% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 4,361 |
| Loan loss allowance to noncurrent loans | 22.9414% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 4.2720% | 238 |
| Noncurrent loans to loans | 4.5478% | 230 |
| Net loans and leases to total assets | 78.5548% | 1,051 |
| Net loans and leases to deposits | 91.0518% | 1,501 |
| Net loans and leases to core deposits | 95.5770% | 1,889 |
| Total domestic deposits to total assets | 86.2749% | 2,501 |
| Equity capital to assets | 8.6497% | 5,425 |
| Core capital (leverage) ratio | 8.8182% | 5,094 |
| Tier 1 risk-based capital ratio | 10.8282% | 5,612 |
| Total risk-based capital ratio | 11.8653% | 5,641 |
| Memoranda: | ||
| Average total assets | $894,521,400 | 770 |
| Average earning assets | $849,302,200 | 743 |
| Average equity | $70,862,800 | 1,079 |
| Average total loans | $723,220,600 | 642 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 4,155 |
| Cost of funding earning assets | 0.4587% | 2,603 |
| Net interest margin | 3.3228% | 4,247 |
| Noninterest income to average assets | 0.7629% | 1,965 |
| Noninterest expense to average assets | 4.1606% | 553 |
| Loan and lease loss provision to assets | 0.6354% | 136 |
| Net operating income to assets | -0.8813% | 6,185 |
| Return on assets (ROA) | -0.8813% | 6,183 |
| Pretax return on assets | -0.8813% | 6,176 |
| Return on Equity (ROE) | -11.3929% | 6,195 |
| Retained earnings to average equity (ytd only) | -11.3929% | 6,147 |
| Net charge-offs to loans | 0.0638% | 2,677 |
| Credit loss provision to net charge-offs | 1,226.5896% | 312 |
| Earnings coverage of net charge-offs (x) | -4.7486% | 4,125 |
| Efficiency ratio | 106.2835% | 185 |
| Assets per employee ($millions) | 4.3082% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5254% | 2,049 |
| Loan loss allowance to noncurrent loans | 29.2251% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 4.8616% | 208 |
| Noncurrent loans to loans | 5.2196% | 188 |
| Net loans and leases to total assets | 78.8769% | 977 |
| Net loans and leases to deposits | 90.0919% | 1,637 |
| Net loans and leases to core deposits | 94.8778% | 1,992 |
| Total domestic deposits to total assets | 87.5516% | 1,776 |
| Equity capital to assets | 8.7669% | 5,518 |
| Core capital (leverage) ratio | 8.6771% | 5,377 |
| Tier 1 risk-based capital ratio | 10.7693% | 5,767 |
| Total risk-based capital ratio | 12.0227% | 5,701 |
| Memoranda: | ||
| Average total assets | $890,588,750 | 782 |
| Average earning assets | $844,738,250 | 755 |
| Average equity | $68,895,000 | 1,109 |
| Average total loans | $723,379,250 | 649 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,294 |
| Cost of funding earning assets | 0.4585% | 2,625 |
| Net interest margin | 3.2768% | 4,389 |
| Noninterest income to average assets | 0.7471% | 2,008 |
| Noninterest expense to average assets | 4.4722% | 434 |
| Loan and lease loss provision to assets | 0.9597% | 77 |
| Net operating income to assets | -1.5788% | 6,293 |
| Return on assets (ROA) | -1.5788% | 6,291 |
| Pretax return on assets | -1.5788% | 6,287 |
| Return on Equity (ROE) | -21.3858% | 6,299 |
| Retained earnings to average equity (ytd only) | -21.3858% | 6,272 |
| Net charge-offs to loans | 0.1100% | 1,897 |
| Credit loss provision to net charge-offs | 1,069.0176% | 334 |
| Earnings coverage of net charge-offs (x) | -6.8967% | 3,835 |
| Efficiency ratio | 116.0690% | 127 |
| Assets per employee ($millions) | 4.1581% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,182 |
| Loan loss allowance to noncurrent loans | 26.9942% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 5.2777% | 197 |
| Noncurrent loans to loans | 5.6528% | 178 |
| Net loans and leases to total assets | 78.7112% | 977 |
| Net loans and leases to deposits | 89.7914% | 1,624 |
| Net loans and leases to core deposits | 94.7249% | 1,893 |
| Total domestic deposits to total assets | 87.6601% | 1,808 |
| Equity capital to assets | 8.6398% | 5,572 |
| Core capital (leverage) ratio | 8.6792% | 5,345 |
| Tier 1 risk-based capital ratio | 10.9212% | 5,749 |
| Total risk-based capital ratio | 12.1748% | 5,663 |
| Memoranda: | ||
| Average total assets | $884,444,330 | 792 |
| Average earning assets | $838,305,330 | 768 |
| Average equity | $65,295,670 | 1,175 |
| Average total loans | $721,800,670 | 651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 3,872 |
| Cost of funding earning assets | 0.4604% | 2,680 |
| Net interest margin | 3.3750% | 3,934 |
| Noninterest income to average assets | 0.5755% | 2,797 |
| Noninterest expense to average assets | 5.0091% | 292 |
| Loan and lease loss provision to assets | 3.8960% | 13 |
| Net operating income to assets | -5.1453% | 6,405 |
| Return on assets (ROA) | -5.1453% | 6,405 |
| Pretax return on assets | -5.1453% | 6,405 |
| Return on Equity (ROE) | -73.7395% | 6,405 |
| Retained earnings to average equity (ytd only) | -73.7395% | 6,400 |
| Net charge-offs to loans | 5.8554% | 12 |
| Credit loss provision to net charge-offs | 80.3050% | 1,824 |
| Earnings coverage of net charge-offs (x) | -0.2575% | 3,131 |
| Efficiency ratio | 133.2240% | 75 |
| Assets per employee ($millions) | 3.9847% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 2,406 |
| Loan loss allowance to noncurrent loans | 26.2076% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 5.5483% | 202 |
| Noncurrent loans to loans | 5.7610% | 195 |
| Net loans and leases to total assets | 78.3865% | 872 |
| Net loans and leases to deposits | 89.8947% | 1,407 |
| Net loans and leases to core deposits | 94.2677% | 1,744 |
| Total domestic deposits to total assets | 87.1981% | 2,272 |
| Equity capital to assets | 8.6440% | 5,617 |
| Core capital (leverage) ratio | 9.1380% | 4,801 |
| Tier 1 risk-based capital ratio | 10.8974% | 5,853 |
| Total risk-based capital ratio | 12.1474% | 5,781 |
| Memoranda: | ||
| Average total assets | $875,759,000 | 804 |
| Average earning assets | $826,300,500 | 774 |
| Average equity | $61,107,000 | 1,250 |
| Average total loans | $725,625,000 | 641 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 3,964 |
| Cost of funding earning assets | 0.4914% | 2,757 |
| Net interest margin | 3.4496% | 3,984 |
| Noninterest income to average assets | 0.6423% | 2,603 |
| Noninterest expense to average assets | 4.2816% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4342% | 6,280 |
| Return on assets (ROA) | -0.4342% | 6,281 |
| Pretax return on assets | -0.4342% | 6,266 |
| Return on Equity (ROE) | -8.2670% | 6,340 |
| Retained earnings to average equity (ytd only) | -8.2670% | 6,275 |
| Net charge-offs to loans | 0.2212% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.4117% | 4,843 |
| Efficiency ratio | 111.2845% | 200 |
| Assets per employee ($millions) | 3.5855% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 1,534 |
| Loan loss allowance to noncurrent loans | 38.7678% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 5.0618% | 271 |
| Noncurrent loans to loans | 4.6455% | 345 |
| Net loans and leases to total assets | 84.8554% | 286 |
| Net loans and leases to deposits | 93.5024% | 1,129 |
| Net loans and leases to core deposits | 97.6258% | 1,579 |
| Total domestic deposits to total assets | 90.7520% | 442 |
| Equity capital to assets | 5.1652% | 6,455 |
| Core capital (leverage) ratio | 4.9427% | 6,456 |
| Tier 1 risk-based capital ratio | 6.1437% | 6,479 |
| Total risk-based capital ratio | 7.4012% | 6,476 |
| Memoranda: | ||
| Average total assets | $874,327,000 | 766 |
| Average earning assets | $812,356,600 | 752 |
| Average equity | $45,917,600 | 1,564 |
| Average total loans | $711,512,000 | 613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,051 |
| Cost of funding earning assets | 0.4711% | 3,041 |
| Net interest margin | 3.4591% | 3,980 |
| Noninterest income to average assets | 0.7541% | 2,077 |
| Noninterest expense to average assets | 4.1825% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2283% | 6,278 |
| Return on assets (ROA) | -0.2283% | 6,279 |
| Pretax return on assets | -0.2283% | 6,264 |
| Return on Equity (ROE) | -4.3295% | 6,352 |
| Retained earnings to average equity (ytd only) | -4.3295% | 6,228 |
| Net charge-offs to loans | 0.0450% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -6.3263% | 4,616 |
| Efficiency ratio | 105.7728% | 274 |
| Assets per employee ($millions) | 3.8034% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 1,178 |
| Loan loss allowance to noncurrent loans | 38.9647% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 6.0679% | 231 |
| Noncurrent loans to loans | 5.2466% | 321 |
| Net loans and leases to total assets | 77.8184% | 978 |
| Net loans and leases to deposits | 87.3911% | 1,742 |
| Net loans and leases to core deposits | 91.0861% | 2,108 |
| Total domestic deposits to total assets | 89.0462% | 1,211 |
| Equity capital to assets | 5.1317% | 6,522 |
| Core capital (leverage) ratio | 5.1963% | 6,521 |
| Tier 1 risk-based capital ratio | 6.5037% | 6,547 |
| Total risk-based capital ratio | 7.7637% | 6,545 |
| Memoranda: | ||
| Average total assets | $883,154,750 | 757 |
| Average earning assets | $817,029,250 | 751 |
| Average equity | $46,562,750 | 1,551 |
| Average total loans | $708,138,250 | 613 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 3,996 |
| Cost of funding earning assets | 0.4528% | 3,297 |
| Net interest margin | 3.4816% | 3,851 |
| Noninterest income to average assets | 0.8527% | 1,645 |
| Noninterest expense to average assets | 4.1945% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1236% | 6,271 |
| Return on assets (ROA) | -0.1236% | 6,284 |
| Pretax return on assets | -0.1236% | 6,272 |
| Return on Equity (ROE) | -2.3229% | 6,346 |
| Retained earnings to average equity (ytd only) | -2.3229% | 6,033 |
| Net charge-offs to loans | 0.1734% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.8862% | 4,202 |
| Efficiency ratio | 103.0352% | 334 |
| Assets per employee ($millions) | 3.5727% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 1,397 |
| Loan loss allowance to noncurrent loans | 35.9994% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 6.6183% | 204 |
| Noncurrent loans to loans | 5.5009% | 325 |
| Net loans and leases to total assets | 81.2467% | 549 |
| Net loans and leases to deposits | 91.5837% | 1,203 |
| Net loans and leases to core deposits | 94.8905% | 1,695 |
| Total domestic deposits to total assets | 88.7130% | 1,524 |
| Equity capital to assets | 5.4507% | 6,565 |
| Core capital (leverage) ratio | 5.3877% | 6,571 |
| Tier 1 risk-based capital ratio | 6.5118% | 6,603 |
| Total risk-based capital ratio | 7.7706% | 6,603 |
| Memoranda: | ||
| Average total assets | $882,145,670 | 762 |
| Average earning assets | $815,441,330 | 752 |
| Average equity | $46,925,000 | 1,528 |
| Average total loans | $709,516,000 | 610 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,330 |
| Cost of funding earning assets | 0.4429% | 3,505 |
| Net interest margin | 3.3954% | 4,134 |
| Noninterest income to average assets | 1.0791% | 957 |
| Noninterest expense to average assets | 3.9858% | 772 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2307% | 5,715 |
| Return on assets (ROA) | 0.2307% | 5,766 |
| Pretax return on assets | 0.2307% | 5,872 |
| Return on Equity (ROE) | 4.3892% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.3892% | 3,493 |
| Net charge-offs to loans | 0.8159% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3568% | 3,364 |
| Efficiency ratio | 94.5279% | 722 |
| Assets per employee ($millions) | 3.6682% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,836 |
| Loan loss allowance to noncurrent loans | 48.6097% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 5.3569% | 362 |
| Noncurrent loans to loans | 3.8505% | 713 |
| Net loans and leases to total assets | 80.1639% | 532 |
| Net loans and leases to deposits | 90.3391% | 1,108 |
| Net loans and leases to core deposits | 93.4281% | 1,600 |
| Total domestic deposits to total assets | 88.7366% | 1,812 |
| Equity capital to assets | 5.4937% | 6,604 |
| Core capital (leverage) ratio | 5.3977% | 6,630 |
| Tier 1 risk-based capital ratio | 6.4706% | 6,669 |
| Total risk-based capital ratio | 7.7208% | 6,669 |
| Memoranda: | ||
| Average total assets | $896,275,000 | 754 |
| Average earning assets | $828,168,000 | 748 |
| Average equity | $47,116,000 | 1,515 |
| Average total loans | $710,388,500 | 609 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,935 |
| Cost of funding earning assets | 0.5722% | 2,904 |
| Net interest margin | 3.4733% | 4,012 |
| Noninterest income to average assets | 0.6116% | 3,017 |
| Noninterest expense to average assets | 4.3019% | 632 |
| Loan and lease loss provision to assets | -0.1321% | 6,521 |
| Net operating income to assets | -0.3464% | 6,437 |
| Return on assets (ROA) | -0.3464% | 6,451 |
| Pretax return on assets | -0.3464% | 6,435 |
| Return on Equity (ROE) | -6.7532% | 6,528 |
| Retained earnings to average equity (ytd only) | -6.7532% | 6,449 |
| Net charge-offs to loans | 0.9896% | 593 |
| Credit loss provision to net charge-offs | -16.8288% | 5,705 |
| Earnings coverage of net charge-offs (x) | -0.6095% | 5,220 |
| Efficiency ratio | 112.5164% | 239 |
| Assets per employee ($millions) | 3.8293% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 1,458 |
| Loan loss allowance to noncurrent loans | 55.6697% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 4.9100% | 488 |
| Noncurrent loans to loans | 3.6675% | 825 |
| Net loans and leases to total assets | 75.4341% | 1,165 |
| Net loans and leases to deposits | 84.2481% | 1,901 |
| Net loans and leases to core deposits | 87.1414% | 2,334 |
| Total domestic deposits to total assets | 89.5381% | 1,310 |
| Equity capital to assets | 5.0375% | 6,685 |
| Core capital (leverage) ratio | 4.9907% | 6,716 |
| Tier 1 risk-based capital ratio | 6.2978% | 6,749 |
| Total risk-based capital ratio | 7.5568% | 6,749 |
| Memoranda: | ||
| Average total assets | $955,820,400 | 692 |
| Average earning assets | $883,824,000 | 677 |
| Average equity | $49,028,400 | 1,437 |
| Average total loans | $758,413,000 | 556 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 4,039 |
| Cost of funding earning assets | 0.5779% | 3,017 |
| Net interest margin | 3.4455% | 4,102 |
| Noninterest income to average assets | 0.7275% | 2,475 |
| Noninterest expense to average assets | 4.3281% | 610 |
| Loan and lease loss provision to assets | -0.1750% | 6,701 |
| Net operating income to assets | -0.2407% | 6,488 |
| Return on assets (ROA) | -0.2407% | 6,503 |
| Pretax return on assets | -0.2407% | 6,482 |
| Return on Equity (ROE) | -4.6724% | 6,594 |
| Retained earnings to average equity (ytd only) | -4.6724% | 6,477 |
| Net charge-offs to loans | 0.5012% | 1,284 |
| Credit loss provision to net charge-offs | -43.7024% | 5,696 |
| Earnings coverage of net charge-offs (x) | -1.0381% | 5,019 |
| Efficiency ratio | 110.6259% | 260 |
| Assets per employee ($millions) | 3.8613% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 886 |
| Loan loss allowance to noncurrent loans | 46.6499% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 6.7515% | 313 |
| Noncurrent loans to loans | 5.4672% | 503 |
| Net loans and leases to total assets | 78.3637% | 714 |
| Net loans and leases to deposits | 85.8288% | 1,633 |
| Net loans and leases to core deposits | 88.7739% | 2,105 |
| Total domestic deposits to total assets | 91.3023% | 421 |
| Equity capital to assets | 5.1762% | 6,761 |
| Core capital (leverage) ratio | 5.1033% | 6,782 |
| Tier 1 risk-based capital ratio | 6.0114% | 6,828 |
| Total risk-based capital ratio | 7.2754% | 6,828 |
| Memoranda: | ||
| Average total assets | $962,143,750 | 686 |
| Average earning assets | $889,357,750 | 673 |
| Average equity | $49,566,750 | 1,437 |
| Average total loans | $768,875,000 | 549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 4,320 |
| Cost of funding earning assets | 0.5795% | 3,135 |
| Net interest margin | 3.3617% | 4,339 |
| Noninterest income to average assets | 0.5764% | 3,343 |
| Noninterest expense to average assets | 4.2596% | 655 |
| Loan and lease loss provision to assets | -0.2604% | 6,813 |
| Net operating income to assets | -0.3156% | 6,558 |
| Return on assets (ROA) | -0.3156% | 6,589 |
| Pretax return on assets | -0.3156% | 6,560 |
| Return on Equity (ROE) | -6.1363% | 6,662 |
| Retained earnings to average equity (ytd only) | -6.1363% | 6,523 |
| Net charge-offs to loans | -0.1057% | 6,516 |
| Credit loss provision to net charge-offs | 308.8020% | 833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6378% | 217 |
| Assets per employee ($millions) | 3.8121% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9664% | 602 |
| Loan loss allowance to noncurrent loans | 43.0059% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 8.8327% | 196 |
| Noncurrent loans to loans | 6.8977% | 360 |
| Net loans and leases to total assets | 78.2741% | 714 |
| Net loans and leases to deposits | 84.6229% | 1,720 |
| Net loans and leases to core deposits | 87.4987% | 2,173 |
| Total domestic deposits to total assets | 92.4976% | 184 |
| Equity capital to assets | 5.1199% | 6,819 |
| Core capital (leverage) ratio | 5.1364% | 6,818 |
| Tier 1 risk-based capital ratio | 5.8651% | 6,876 |
| Total risk-based capital ratio | 7.1350% | 6,877 |
| Memoranda: | ||
| Average total assets | $970,091,330 | 678 |
| Average earning assets | $896,636,670 | 665 |
| Average equity | $49,899,670 | 1,437 |
| Average total loans | $773,656,330 | 538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 4,092 |
| Cost of funding earning assets | 0.5909% | 3,196 |
| Net interest margin | 3.4164% | 4,057 |
| Noninterest income to average assets | 0.6462% | 2,896 |
| Noninterest expense to average assets | 4.2789% | 642 |
| Loan and lease loss provision to assets | -0.5152% | 6,957 |
| Net operating income to assets | 0.0526% | 6,242 |
| Return on assets (ROA) | 0.0526% | 6,329 |
| Pretax return on assets | 0.0526% | 6,333 |
| Return on Equity (ROE) | 1.0208% | 6,218 |
| Retained earnings to average equity (ytd only) | 1.0208% | 5,442 |
| Net charge-offs to loans | -0.6497% | 6,885 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1219% | 302 |
| Assets per employee ($millions) | 3.7725% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4805% | 422 |
| Loan loss allowance to noncurrent loans | 28.1088% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 12.2515% | 124 |
| Noncurrent loans to loans | 12.3821% | 126 |
| Net loans and leases to total assets | 77.8277% | 632 |
| Net loans and leases to deposits | 84.2297% | 1,567 |
| Net loans and leases to core deposits | 87.4359% | 1,968 |
| Total domestic deposits to total assets | 92.3994% | 189 |
| Equity capital to assets | 5.3262% | 6,870 |
| Core capital (leverage) ratio | 5.2052% | 6,863 |
| Tier 1 risk-based capital ratio | 6.2066% | 6,924 |
| Total risk-based capital ratio | 7.4644% | 6,926 |
| Memoranda: | ||
| Average total assets | $980,527,500 | 675 |
| Average earning assets | $909,853,000 | 661 |
| Average equity | $50,550,000 | 1,438 |
| Average total loans | $777,631,000 | 534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 3,212 |
| Cost of funding earning assets | 0.8990% | 1,941 |
| Net interest margin | 3.6504% | 3,873 |
| Noninterest income to average assets | 0.3451% | 4,998 |
| Noninterest expense to average assets | 4.1975% | 768 |
| Loan and lease loss provision to assets | 0.1523% | 3,710 |
| Net operating income to assets | -0.9044% | 6,713 |
| Return on assets (ROA) | -0.8173% | 6,703 |
| Pretax return on assets | -0.7934% | 6,670 |
| Return on Equity (ROE) | -18.2647% | 6,858 |
| Retained earnings to average equity (ytd only) | -18.2647% | 6,817 |
| Net charge-offs to loans | 3.5335% | 104 |
| Credit loss provision to net charge-offs | 5.2729% | 5,448 |
| Earnings coverage of net charge-offs (x) | -0.2522% | 5,594 |
| Efficiency ratio | 120.9934% | 204 |
| Assets per employee ($millions) | 3.8861% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3828% | 480 |
| Loan loss allowance to noncurrent loans | 26.9986% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 12.3031% | 129 |
| Noncurrent loans to loans | 12.5295% | 136 |
| Net loans and leases to total assets | 75.4185% | 1,001 |
| Net loans and leases to deposits | 81.1405% | 2,129 |
| Net loans and leases to core deposits | 85.4287% | 2,384 |
| Total domestic deposits to total assets | 92.9481% | 136 |
| Equity capital to assets | 4.9946% | 6,953 |
| Core capital (leverage) ratio | 4.6019% | 6,955 |
| Tier 1 risk-based capital ratio | 6.0433% | 6,989 |
| Total risk-based capital ratio | 7.3189% | 6,992 |
| Memoranda: | ||
| Average total assets | $1,231,488,200 | 533 |
| Average earning assets | $1,053,942,800 | 558 |
| Average equity | $55,106,200 | 1,296 |
| Average total loans | $1,006,336,000 | 421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 3,319 |
| Cost of funding earning assets | 0.9635% | 1,765 |
| Net interest margin | 3.6097% | 4,197 |
| Noninterest income to average assets | 0.3055% | 5,342 |
| Noninterest expense to average assets | 4.0838% | 846 |
| Loan and lease loss provision to assets | 0.1862% | 3,261 |
| Net operating income to assets | -0.9533% | 6,845 |
| Return on assets (ROA) | -0.8421% | 6,840 |
| Pretax return on assets | -0.8116% | 6,811 |
| Return on Equity (ROE) | -19.2579% | 6,981 |
| Retained earnings to average equity (ytd only) | -19.2579% | 6,964 |
| Net charge-offs to loans | 1.6236% | 514 |
| Credit loss provision to net charge-offs | 13.9119% | 5,031 |
| Earnings coverage of net charge-offs (x) | -0.5504% | 5,511 |
| Efficiency ratio | 122.0066% | 182 |
| Assets per employee ($millions) | 4.2884% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3757% | 110 |
| Loan loss allowance to noncurrent loans | 24.5595% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 19.6936% | 41 |
| Noncurrent loans to loans | 21.8885% | 29 |
| Net loans and leases to total assets | 75.1401% | 1,098 |
| Net loans and leases to deposits | 80.3470% | 2,338 |
| Net loans and leases to core deposits | 85.3708% | 2,541 |
| Total domestic deposits to total assets | 93.5195% | 84 |
| Equity capital to assets | 4.5539% | 7,073 |
| Core capital (leverage) ratio | 4.2791% | 7,073 |
| Tier 1 risk-based capital ratio | 5.5408% | 7,101 |
| Total risk-based capital ratio | 6.8402% | 7,102 |
| Memoranda: | ||
| Average total assets | $1,286,764,500 | 523 |
| Average earning assets | $1,084,300,000 | 553 |
| Average equity | $56,266,500 | 1,274 |
| Average total loans | $1,060,746,000 | 403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 2,866 |
| Cost of funding earning assets | 1.0647% | 1,386 |
| Net interest margin | 3.6470% | 4,054 |
| Noninterest income to average assets | 0.2133% | 6,040 |
| Noninterest expense to average assets | 4.1737% | 757 |
| Loan and lease loss provision to assets | 0.2701% | 2,422 |
| Net operating income to assets | -1.2570% | 6,971 |
| Return on assets (ROA) | -1.2570% | 6,986 |
| Pretax return on assets | -1.2570% | 6,957 |
| Return on Equity (ROE) | -29.0936% | 7,092 |
| Retained earnings to average equity (ytd only) | -29.0936% | 7,080 |
| Net charge-offs to loans | 0.3751% | 2,514 |
| Credit loss provision to net charge-offs | 86.4423% | 3,146 |
| Earnings coverage of net charge-offs (x) | -3.1577% | 5,415 |
| Efficiency ratio | 130.9651% | 158 |
| Assets per employee ($millions) | 4.4392% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8917% | 83 |
| Loan loss allowance to noncurrent loans | 27.2460% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 19.1014% | 50 |
| Noncurrent loans to loans | 21.6240% | 35 |
| Net loans and leases to total assets | 74.2906% | 1,207 |
| Net loans and leases to deposits | 79.3876% | 2,465 |
| Net loans and leases to core deposits | 86.3768% | 2,379 |
| Total domestic deposits to total assets | 93.5795% | 95 |
| Equity capital to assets | 4.1155% | 7,135 |
| Core capital (leverage) ratio | 3.9329% | 7,138 |
| Tier 1 risk-based capital ratio | 4.9693% | 7,165 |
| Total risk-based capital ratio | 6.2750% | 7,164 |
| Memoranda: | ||
| Average total assets | $1,331,158,000 | 505 |
| Average earning assets | $1,085,325,330 | 553 |
| Average equity | $57,511,000 | 1,231 |
| Average total loans | $1,108,978,670 | 391 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 3,265 |
| Cost of funding earning assets | 1.1068% | 1,370 |
| Net interest margin | 3.5435% | 4,516 |
| Noninterest income to average assets | 0.5703% | 3,421 |
| Noninterest expense to average assets | 4.0867% | 840 |
| Loan and lease loss provision to assets | 0.5324% | 1,124 |
| Net operating income to assets | -1.0710% | 7,009 |
| Return on assets (ROA) | -1.0710% | 7,022 |
| Pretax return on assets | -1.0710% | 6,990 |
| Return on Equity (ROE) | -24.2408% | 7,140 |
| Retained earnings to average equity (ytd only) | -24.2408% | 7,093 |
| Net charge-offs to loans | -0.1373% | 6,896 |
| Credit loss provision to net charge-offs | -454.0404% | 5,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1811% | 270 |
| Assets per employee ($millions) | 4.8257% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5124% | 113 |
| Loan loss allowance to noncurrent loans | 26.5967% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 19.8932% | 47 |
| Noncurrent loans to loans | 20.7260% | 42 |
| Net loans and leases to total assets | 79.0761% | 482 |
| Net loans and leases to deposits | 84.0459% | 1,660 |
| Net loans and leases to core deposits | 92.5481% | 1,587 |
| Total domestic deposits to total assets | 94.0868% | 89 |
| Equity capital to assets | 4.2662% | 7,169 |
| Core capital (leverage) ratio | 4.1968% | 7,165 |
| Tier 1 risk-based capital ratio | 4.8272% | 7,219 |
| Total risk-based capital ratio | 6.1277% | 7,221 |
| Memoranda: | ||
| Average total assets | $1,350,830,500 | 491 |
| Average earning assets | $1,135,140,500 | 526 |
| Average equity | $59,684,500 | 1,191 |
| Average total loans | $1,153,579,500 | 375 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 4,158 |
| Cost of funding earning assets | 1.2165% | 1,919 |
| Net interest margin | 3.5056% | 5,126 |
| Noninterest income to average assets | -0.0120% | 7,017 |
| Noninterest expense to average assets | 3.5221% | 1,932 |
| Loan and lease loss provision to assets | 4.4832% | 36 |
| Net operating income to assets | -5.0440% | 7,304 |
| Return on assets (ROA) | -5.0517% | 7,310 |
| Pretax return on assets | -5.0517% | 7,312 |
| Return on Equity (ROE) | -79.6695% | 7,288 |
| Retained earnings to average equity (ytd only) | -79.6695% | 7,288 |
| Net charge-offs to loans | 4.3850% | 115 |
| Credit loss provision to net charge-offs | 119.6472% | 2,670 |
| Earnings coverage of net charge-offs (x) | -0.1497% | 5,925 |
| Efficiency ratio | 118.9398% | 313 |
| Assets per employee ($millions) | 4.7050% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1493% | 164 |
| Loan loss allowance to noncurrent loans | 26.8116% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 19.2729% | 58 |
| Noncurrent loans to loans | 19.2054% | 58 |
| Net loans and leases to total assets | 82.6334% | 296 |
| Net loans and leases to deposits | 88.1283% | 1,364 |
| Net loans and leases to core deposits | 98.8950% | 1,269 |
| Total domestic deposits to total assets | 93.7649% | 101 |
| Equity capital to assets | 4.5717% | 7,191 |
| Core capital (leverage) ratio | 4.2237% | 7,195 |
| Tier 1 risk-based capital ratio | 4.8977% | 7,245 |
| Total risk-based capital ratio | 6.1930% | 7,245 |
| Memoranda: | ||
| Average total assets | $1,570,269,400 | 422 |
| Average earning assets | $1,331,829,000 | 450 |
| Average equity | $99,567,600 | 688 |
| Average total loans | $1,341,813,800 | 326 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 3,867 |
| Cost of funding earning assets | 1.2372% | 2,077 |
| Net interest margin | 3.5958% | 4,788 |
| Noninterest income to average assets | 0.2222% | 6,032 |
| Noninterest expense to average assets | 3.5563% | 1,802 |
| Loan and lease loss provision to assets | 5.3183% | 22 |
| Net operating income to assets | -5.6177% | 7,391 |
| Return on assets (ROA) | -5.6268% | 7,393 |
| Pretax return on assets | -5.6268% | 7,392 |
| Return on Equity (ROE) | -83.8984% | 7,364 |
| Retained earnings to average equity (ytd only) | -83.8984% | 7,364 |
| Net charge-offs to loans | 4.1230% | 153 |
| Credit loss provision to net charge-offs | 151.5629% | 2,055 |
| Earnings coverage of net charge-offs (x) | -0.0853% | 5,649 |
| Efficiency ratio | 109.1948% | 443 |
| Assets per employee ($millions) | 5.4159% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7344% | 114 |
| Loan loss allowance to noncurrent loans | 40.9408% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 13.4895% | 176 |
| Noncurrent loans to loans | 14.0066% | 161 |
| Net loans and leases to total assets | 77.6616% | 748 |
| Net loans and leases to deposits | 84.2919% | 1,954 |
| Net loans and leases to core deposits | 96.3245% | 1,574 |
| Total domestic deposits to total assets | 92.0849% | 201 |
| Equity capital to assets | 4.8113% | 7,274 |
| Core capital (leverage) ratio | 4.5429% | 7,271 |
| Tier 1 risk-based capital ratio | 5.4974% | 7,313 |
| Total risk-based capital ratio | 6.8000% | 7,313 |
| Memoranda: | ||
| Average total assets | $1,626,429,750 | 409 |
| Average earning assets | $1,372,650,000 | 437 |
| Average equity | $109,080,000 | 640 |
| Average total loans | $1,384,191,500 | 320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 4,189 |
| Cost of funding earning assets | 1.2410% | 2,315 |
| Net interest margin | 3.5362% | 4,991 |
| Noninterest income to average assets | 0.1740% | 6,416 |
| Noninterest expense to average assets | 4.3891% | 672 |
| Loan and lease loss provision to assets | 3.6423% | 96 |
| Net operating income to assets | -4.8270% | 7,435 |
| Return on assets (ROA) | -4.8380% | 7,437 |
| Pretax return on assets | -4.8380% | 7,432 |
| Return on Equity (ROE) | -66.5034% | 7,392 |
| Retained earnings to average equity (ytd only) | -66.5034% | 7,389 |
| Net charge-offs to loans | 4.9171% | 135 |
| Credit loss provision to net charge-offs | 86.2112% | 3,580 |
| Earnings coverage of net charge-offs (x) | -0.2804% | 5,444 |
| Efficiency ratio | 136.9693% | 214 |
| Assets per employee ($millions) | 5.8589% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3002% | 703 |
| Loan loss allowance to noncurrent loans | 24.1478% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 13.6604% | 184 |
| Noncurrent loans to loans | 13.6668% | 175 |
| Net loans and leases to total assets | 79.9158% | 541 |
| Net loans and leases to deposits | 89.7544% | 1,303 |
| Net loans and leases to core deposits | 105.0402% | 980 |
| Total domestic deposits to total assets | 89.0383% | 1,511 |
| Equity capital to assets | 6.2175% | 7,219 |
| Core capital (leverage) ratio | 5.9520% | 7,205 |
| Tier 1 risk-based capital ratio | 6.8118% | 7,323 |
| Total risk-based capital ratio | 8.0825% | 7,328 |
| Memoranda: | ||
| Average total assets | $1,668,503,330 | 404 |
| Average earning assets | $1,429,821,330 | 425 |
| Average equity | $121,380,330 | 578 |
| Average total loans | $1,433,601,670 | 320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 3,916 |
| Cost of funding earning assets | 1.2395% | 2,572 |
| Net interest margin | 3.5895% | 4,616 |
| Noninterest income to average assets | 0.3184% | 5,375 |
| Noninterest expense to average assets | 3.0590% | 3,425 |
| Loan and lease loss provision to assets | 4.2181% | 94 |
| Net operating income to assets | -3.8252% | 7,439 |
| Return on assets (ROA) | -3.8379% | 7,444 |
| Pretax return on assets | -3.8379% | 7,429 |
| Return on Equity (ROE) | -49.3518% | 7,413 |
| Retained earnings to average equity (ytd only) | -49.3518% | 7,399 |
| Net charge-offs to loans | 3.3298% | 309 |
| Credit loss provision to net charge-offs | 144.8095% | 1,956 |
| Earnings coverage of net charge-offs (x) | 0.1349% | 4,498 |
| Efficiency ratio | 88.6181% | 1,453 |
| Assets per employee ($millions) | 6.0808% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8150% | 480 |
| Loan loss allowance to noncurrent loans | 30.2613% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 13.2317% | 205 |
| Noncurrent loans to loans | 12.6069% | 250 |
| Net loans and leases to total assets | 79.6162% | 551 |
| Net loans and leases to deposits | 90.6845% | 1,161 |
| Net loans and leases to core deposits | 108.8201% | 795 |
| Total domestic deposits to total assets | 87.7509% | 2,521 |
| Equity capital to assets | 7.1955% | 7,018 |
| Core capital (leverage) ratio | 7.0517% | 6,985 |
| Tier 1 risk-based capital ratio | 7.8829% | 7,304 |
| Total risk-based capital ratio | 9.1612% | 7,306 |
| Memoranda: | ||
| Average total assets | $1,697,161,000 | 400 |
| Average earning assets | $1,481,537,000 | 410 |
| Average equity | $131,983,000 | 525 |
| Average total loans | $1,484,633,500 | 311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 4,506 |
| Cost of funding earning assets | 1.4242% | 3,110 |
| Net interest margin | 3.5867% | 4,879 |
| Noninterest income to average assets | -0.0449% | 7,351 |
| Noninterest expense to average assets | 2.9322% | 4,100 |
| Loan and lease loss provision to assets | 1.4098% | 1,067 |
| Net operating income to assets | -2.7210% | 7,231 |
| Return on assets (ROA) | -2.7063% | 7,245 |
| Pretax return on assets | -1.2714% | 6,769 |
| Return on Equity (ROE) | -27.8345% | 7,187 |
| Retained earnings to average equity (ytd only) | -27.8345% | 7,175 |
| Net charge-offs to loans | 1.5820% | 1,378 |
| Credit loss provision to net charge-offs | 104.3244% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.0916% | 6,026 |
| Efficiency ratio | 95.9492% | 972 |
| Assets per employee ($millions) | 5.9554% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1592% | 760 |
| Loan loss allowance to noncurrent loans | 27.1186% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 12.8906% | 234 |
| Noncurrent loans to loans | 11.6497% | 313 |
| Net loans and leases to total assets | 89.3977% | 71 |
| Net loans and leases to deposits | 103.5968% | 419 |
| Net loans and leases to core deposits | 125.1876% | 406 |
| Total domestic deposits to total assets | 85.6170% | 3,547 |
| Equity capital to assets | 8.3743% | 6,041 |
| Core capital (leverage) ratio | 7.7898% | 6,447 |
| Tier 1 risk-based capital ratio | 8.3345% | 7,325 |
| Total risk-based capital ratio | 9.6059% | 7,333 |
| Memoranda: | ||
| Average total assets | $1,866,879,000 | 376 |
| Average earning assets | $1,614,014,400 | 377 |
| Average equity | $181,512,200 | 384 |
| Average total loans | $1,594,703,600 | 294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 4,670 |
| Cost of funding earning assets | 1.4961% | 3,004 |
| Net interest margin | 3.5348% | 5,167 |
| Noninterest income to average assets | 0.3770% | 5,140 |
| Noninterest expense to average assets | 2.6372% | 5,167 |
| Loan and lease loss provision to assets | 0.6031% | 2,530 |
| Net operating income to assets | 0.0864% | 5,803 |
| Return on assets (ROA) | 0.1012% | 5,921 |
| Pretax return on assets | 0.1697% | 5,798 |
| Return on Equity (ROE) | 1.0098% | 5,896 |
| Retained earnings to average equity (ytd only) | 1.0098% | 5,407 |
| Net charge-offs to loans | 0.2896% | 4,207 |
| Credit loss provision to net charge-offs | 248.1810% | 1,348 |
| Earnings coverage of net charge-offs (x) | 3.0848% | 3,591 |
| Efficiency ratio | 77.8652% | 2,642 |
| Assets per employee ($millions) | 6.6662% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3635% | 595 |
| Loan loss allowance to noncurrent loans | 33.1042% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 11.1467% | 321 |
| Noncurrent loans to loans | 10.1603% | 405 |
| Net loans and leases to total assets | 82.2876% | 464 |
| Net loans and leases to deposits | 94.5990% | 1,141 |
| Net loans and leases to core deposits | 119.8240% | 617 |
| Total domestic deposits to total assets | 86.3468% | 2,891 |
| Equity capital to assets | 10.4159% | 3,619 |
| Core capital (leverage) ratio | 9.1014% | 4,529 |
| Tier 1 risk-based capital ratio | 9.4267% | 7,269 |
| Total risk-based capital ratio | 10.7001% | 7,265 |
| Memoranda: | ||
| Average total assets | $1,915,234,750 | 362 |
| Average earning assets | $1,630,814,500 | 375 |
| Average equity | $191,855,000 | 361 |
| Average total loans | $1,607,170,250 | 294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 5,022 |
| Cost of funding earning assets | 1.5863% | 2,736 |
| Net interest margin | 3.3958% | 5,659 |
| Noninterest income to average assets | 0.4374% | 4,631 |
| Noninterest expense to average assets | 2.4783% | 5,804 |
| Loan and lease loss provision to assets | 0.5770% | 2,462 |
| Net operating income to assets | 0.1557% | 5,700 |
| Return on assets (ROA) | 0.1795% | 5,757 |
| Pretax return on assets | 0.2973% | 5,506 |
| Return on Equity (ROE) | 1.8143% | 5,690 |
| Retained earnings to average equity (ytd only) | 1.8143% | 4,960 |
| Net charge-offs to loans | 0.1997% | 4,413 |
| Credit loss provision to net charge-offs | 346.0396% | 1,056 |
| Earnings coverage of net charge-offs (x) | 5.0210% | 2,777 |
| Efficiency ratio | 74.7463% | 3,317 |
| Assets per employee ($millions) | 6.6370% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2657% | 664 |
| Loan loss allowance to noncurrent loans | 26.3166% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 12.8123% | 231 |
| Noncurrent loans to loans | 12.4095% | 259 |
| Net loans and leases to total assets | 83.8869% | 366 |
| Net loans and leases to deposits | 96.8283% | 979 |
| Net loans and leases to core deposits | 119.9488% | 694 |
| Total domestic deposits to total assets | 85.3556% | 3,440 |
| Equity capital to assets | 10.5498% | 3,345 |
| Core capital (leverage) ratio | 8.9114% | 4,739 |
| Tier 1 risk-based capital ratio | 9.7005% | 7,184 |
| Total risk-based capital ratio | 10.9729% | 7,166 |
| Memoranda: | ||
| Average total assets | $1,938,134,670 | 356 |
| Average earning assets | $1,642,672,000 | 374 |
| Average equity | $191,695,670 | 356 |
| Average total loans | $1,618,775,330 | 291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9343% | 5,293 |
| Cost of funding earning assets | 1.6714% | 2,532 |
| Net interest margin | 3.2629% | 6,088 |
| Noninterest income to average assets | 0.4320% | 4,646 |
| Noninterest expense to average assets | 2.3714% | 6,186 |
| Loan and lease loss provision to assets | 0.5222% | 2,412 |
| Net operating income to assets | 0.1539% | 5,843 |
| Return on assets (ROA) | 0.2017% | 5,798 |
| Pretax return on assets | 0.3337% | 5,512 |
| Return on Equity (ROE) | 2.1039% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.1039% | 4,871 |
| Net charge-offs to loans | 0.2209% | 3,607 |
| Credit loss provision to net charge-offs | 288.0531% | 1,368 |
| Earnings coverage of net charge-offs (x) | 4.3086% | 2,661 |
| Efficiency ratio | 75.2226% | 3,355 |
| Assets per employee ($millions) | 7.1728% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0058% | 818 |
| Loan loss allowance to noncurrent loans | 26.1645% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 11.0835% | 327 |
| Noncurrent loans to loans | 11.4881% | 324 |
| Net loans and leases to total assets | 81.1306% | 697 |
| Net loans and leases to deposits | 93.8292% | 1,366 |
| Net loans and leases to core deposits | 120.9717% | 750 |
| Total domestic deposits to total assets | 84.1053% | 4,098 |
| Equity capital to assets | 9.7532% | 4,168 |
| Core capital (leverage) ratio | 8.4696% | 5,424 |
| Tier 1 risk-based capital ratio | 9.3305% | 7,381 |
| Total risk-based capital ratio | 10.5999% | 7,373 |
| Memoranda: | ||
| Average total assets | $1,994,620,500 | 358 |
| Average earning assets | $1,663,063,000 | 389 |
| Average equity | $191,268,000 | 365 |
| Average total loans | $1,636,782,500 | 300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 5,756 |
| Cost of funding earning assets | 2.1594% | 2,192 |
| Net interest margin | 3.0165% | 6,605 |
| Noninterest income to average assets | 0.2347% | 6,428 |
| Noninterest expense to average assets | 2.4403% | 6,335 |
| Loan and lease loss provision to assets | 4.2756% | 288 |
| Net operating income to assets | -2.3902% | 7,223 |
| Return on assets (ROA) | -2.3641% | 7,223 |
| Pretax return on assets | -3.7972% | 7,484 |
| Return on Equity (ROE) | -22.9355% | 7,229 |
| Retained earnings to average equity (ytd only) | -23.3226% | 7,212 |
| Net charge-offs to loans | 3.2288% | 634 |
| Credit loss provision to net charge-offs | 160.4849% | 2,774 |
| Earnings coverage of net charge-offs (x) | 0.1642% | 5,990 |
| Efficiency ratio | 84.7952% | 2,257 |
| Assets per employee ($millions) | 7.1014% | 766 |
| Cash dividends to net income (ytd only)* | -1.6878% | 7,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9278% | 826 |
| Loan loss allowance to noncurrent loans | 27.8484% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 9.4399% | 421 |
| Noncurrent loans to loans | 10.5134% | 375 |
| Net loans and leases to total assets | 78.1633% | 1,344 |
| Net loans and leases to deposits | 91.1202% | 2,027 |
| Net loans and leases to core deposits | 128.3923% | 1,371 |
| Total domestic deposits to total assets | 82.4981% | 4,745 |
| Equity capital to assets | 9.4300% | 4,513 |
| Core capital (leverage) ratio | 8.3737% | 5,491 |
| Tier 1 risk-based capital ratio | 9.0029% | 7,464 |
| Total risk-based capital ratio | 10.2701% | 7,478 |
| Memoranda: | ||
| Average total assets | $1,867,126,000 | 378 |
| Average earning assets | $1,635,997,000 | 392 |
| Average equity | $192,452,800 | 361 |
| Average total loans | $1,540,622,400 | 327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 5,765 |
| Cost of funding earning assets | 2.2136% | 2,344 |
| Net interest margin | 3.0148% | 6,563 |
| Noninterest income to average assets | 0.3643% | 5,588 |
| Noninterest expense to average assets | 2.4744% | 6,160 |
| Loan and lease loss provision to assets | 2.0967% | 844 |
| Net operating income to assets | -1.0592% | 6,869 |
| Return on assets (ROA) | -1.0192% | 6,861 |
| Pretax return on assets | -1.4633% | 6,942 |
| Return on Equity (ROE) | -9.6603% | 6,869 |
| Retained earnings to average equity (ytd only) | -9.6603% | 6,772 |
| Net charge-offs to loans | 0.8647% | 2,237 |
| Credit loss provision to net charge-offs | 291.9265% | 1,426 |
| Earnings coverage of net charge-offs (x) | 0.8023% | 5,254 |
| Efficiency ratio | 81.1109% | 2,697 |
| Assets per employee ($millions) | 7.0800% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 1,353 |
| Loan loss allowance to noncurrent loans | 33.7301% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 6.7173% | 739 |
| Noncurrent loans to loans | 6.6622% | 850 |
| Net loans and leases to total assets | 81.6051% | 880 |
| Net loans and leases to deposits | 97.0086% | 1,440 |
| Net loans and leases to core deposits | 138.9656% | 968 |
| Total domestic deposits to total assets | 80.9592% | 5,094 |
| Equity capital to assets | 11.3349% | 2,721 |
| Core capital (leverage) ratio | 11.8226% | 1,889 |
| Tier 1 risk-based capital ratio | 11.4648% | 5,463 |
| Total risk-based capital ratio | 12.6672% | 5,458 |
| Memoranda: | ||
| Average total assets | $1,827,935,500 | 401 |
| Average earning assets | $1,628,706,750 | 408 |
| Average equity | $192,853,000 | 369 |
| Average total loans | $1,518,365,500 | 347 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 5,969 |
| Cost of funding earning assets | 2.3680% | 2,089 |
| Net interest margin | 2.8593% | 6,887 |
| Noninterest income to average assets | 0.3420% | 5,771 |
| Noninterest expense to average assets | 2.4388% | 6,340 |
| Loan and lease loss provision to assets | 0.4435% | 3,324 |
| Net operating income to assets | -0.0094% | 5,864 |
| Return on assets (ROA) | 0.0221% | 5,859 |
| Pretax return on assets | 0.0747% | 5,731 |
| Return on Equity (ROE) | 0.2157% | 5,858 |
| Retained earnings to average equity (ytd only) | 0.2157% | 5,129 |
| Net charge-offs to loans | 0.0660% | 5,580 |
| Credit loss provision to net charge-offs | 810.8384% | 581 |
| Earnings coverage of net charge-offs (x) | 8.5726% | 2,239 |
| Efficiency ratio | 83.8757% | 2,488 |
| Assets per employee ($millions) | 6.3674% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 3,997 |
| Loan loss allowance to noncurrent loans | 21.3167% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 6.8047% | 647 |
| Noncurrent loans to loans | 6.3200% | 852 |
| Net loans and leases to total assets | 85.4507% | 443 |
| Net loans and leases to deposits | 102.9467% | 996 |
| Net loans and leases to core deposits | 146.7510% | 732 |
| Total domestic deposits to total assets | 79.8550% | 5,524 |
| Equity capital to assets | 10.2014% | 3,718 |
| Core capital (leverage) ratio | 10.2396% | 3,054 |
| Tier 1 risk-based capital ratio | 10.3103% | 6,584 |
| Total risk-based capital ratio | 11.4955% | 6,582 |
| Memoranda: | ||
| Average total assets | $1,788,243,000 | 417 |
| Average earning assets | $1,604,612,330 | 418 |
| Average equity | $183,573,330 | 391 |
| Average total loans | $1,482,691,670 | 366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 5,728 |
| Cost of funding earning assets | 2.6553% | 1,392 |
| Net interest margin | 2.6794% | 7,248 |
| Noninterest income to average assets | 0.3365% | 5,764 |
| Noninterest expense to average assets | 2.2468% | 6,704 |
| Loan and lease loss provision to assets | 0.3986% | 2,934 |
| Net operating income to assets | 0.0245% | 6,191 |
| Return on assets (ROA) | 0.0196% | 6,365 |
| Pretax return on assets | 0.0607% | 6,254 |
| Return on Equity (ROE) | 0.1900% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.1900% | 5,582 |
| Net charge-offs to loans | 0.0050% | 5,632 |
| Credit loss provision to net charge-offs | 9,844.4444% | 62 |
| Earnings coverage of net charge-offs (x) | 115.3333% | 376 |
| Efficiency ratio | 82.7918% | 2,438 |
| Assets per employee ($millions) | 6.5384% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 3,913 |
| Loan loss allowance to noncurrent loans | 23.7270% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 4.8878% | 942 |
| Noncurrent loans to loans | 5.6070% | 904 |
| Net loans and leases to total assets | 79.3621% | 1,502 |
| Net loans and leases to deposits | 92.6683% | 2,488 |
| Net loans and leases to core deposits | 131.7803% | 1,550 |
| Total domestic deposits to total assets | 81.6571% | 4,697 |
| Equity capital to assets | 10.1291% | 3,852 |
| Core capital (leverage) ratio | 10.1807% | 3,212 |
| Tier 1 risk-based capital ratio | 10.8726% | 6,017 |
| Total risk-based capital ratio | 12.0299% | 6,017 |
| Memoranda: | ||
| Average total assets | $1,778,192,000 | 417 |
| Average earning assets | $1,577,661,000 | 426 |
| Average equity | $183,122,000 | 388 |
| Average total loans | $1,440,864,500 | 376 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9551% | 5,783 |
| Cost of funding earning assets | 3.0669% | 1,612 |
| Net interest margin | 2.8882% | 7,175 |
| Noninterest income to average assets | 0.3724% | 5,720 |
| Noninterest expense to average assets | 2.4862% | 6,066 |
| Loan and lease loss provision to assets | 0.3839% | 3,390 |
| Net operating income to assets | 0.1142% | 6,070 |
| Return on assets (ROA) | 0.1305% | 5,864 |
| Pretax return on assets | 0.2076% | 5,714 |
| Return on Equity (ROE) | 1.1604% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.1604% | 4,532 |
| Net charge-offs to loans | 0.2432% | 3,830 |
| Credit loss provision to net charge-offs | 201.1827% | 2,414 |
| Earnings coverage of net charge-offs (x) | 2.9662% | 4,606 |
| Efficiency ratio | 81.4558% | 2,381 |
| Assets per employee ($millions) | 6.6359% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,252 |
| Loan loss allowance to noncurrent loans | 50.4782% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.3780% | 2,043 |
| Noncurrent loans to loans | 2.4505% | 2,234 |
| Net loans and leases to total assets | 80.6399% | 1,520 |
| Net loans and leases to deposits | 96.1158% | 2,430 |
| Net loans and leases to core deposits | 141.6810% | 1,174 |
| Total domestic deposits to total assets | 80.2996% | 4,908 |
| Equity capital to assets | 10.4737% | 3,536 |
| Core capital (leverage) ratio | 10.5567% | 2,933 |
| Tier 1 risk-based capital ratio | 11.0853% | 5,657 |
| Total risk-based capital ratio | 12.1590% | 5,724 |
| Memoranda: | ||
| Average total assets | $1,595,183,400 | 439 |
| Average earning assets | $1,480,075,800 | 430 |
| Average equity | $179,423,800 | 404 |
| Average total loans | $1,251,758,200 | 410 |