Home > United Business Bank > Performance and Condition Ratios
United Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 1,406 |
| Cost of funding earning assets | 1.0323% | 3,223 |
| Net interest margin | 4.3121% | 796 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5367% | 2,200 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2303% | 1,582 |
| Return on assets (ROA) | 1.2303% | 1,555 |
| Pretax return on assets | 1.7114% | 1,048 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | -2.4293% | 4,297 |
| Net charge-offs to loans | 0.0276% | 1,758 |
| Credit loss provision to net charge-offs | 390.9091% | 792 |
| Earnings coverage of net charge-offs (x) | 82.5473% | 1,007 |
| Efficiency ratio | 57.4447% | 3,349 |
| Assets per employee ($millions) | 7.0836% | 2,023 |
| Cash dividends to net income (ytd only)* | 128.2545% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,598 |
| Loan loss allowance to noncurrent loans | 169.6876% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 1,099 |
| Noncurrent loans to loans | 0.6725% | 1,165 |
| Net loans and leases to total assets | 75.1500% | 1,219 |
| Net loans and leases to deposits | 88.8185% | 1,360 |
| Net loans and leases to core deposits | 95.2639% | 1,696 |
| Total domestic deposits to total assets | 84.6100% | 2,433 |
| Equity capital to assets | 14.1475% | 655 |
| Core capital (leverage) ratio | 13.0820% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0846% | 904 |
| Memoranda: | ||
| Average total assets | $2,535,066,600 | 461 |
| Average earning assets | $2,348,403,400 | 454 |
| Average equity | $362,735,200 | 338 |
| Average total loans | $1,995,850,800 | 405 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 1,268 |
| Cost of funding earning assets | 0.9448% | 3,166 |
| Net interest margin | 4.3718% | 729 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.5925% | 1,971 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.3033% | 1,543 |
| Return on assets (ROA) | 1.3033% | 1,526 |
| Pretax return on assets | 1.8180% | 987 |
| Return on Equity (ROE) | 9.0800% | 2,906 |
| Retained earnings to average equity (ytd only) | -0.0814% | 4,159 |
| Net charge-offs to loans | 0.0265% | 1,535 |
| Credit loss provision to net charge-offs | -50.0000% | 4,505 |
| Earnings coverage of net charge-offs (x) | 85.6325% | 1,002 |
| Efficiency ratio | 57.8260% | 3,224 |
| Assets per employee ($millions) | 6.8065% | 2,101 |
| Cash dividends to net income (ytd only)* | 100.8960% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,333 |
| Loan loss allowance to noncurrent loans | 138.3454% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 1,043 |
| Noncurrent loans to loans | 0.7265% | 1,143 |
| Net loans and leases to total assets | 76.2100% | 1,097 |
| Net loans and leases to deposits | 90.2453% | 1,220 |
| Net loans and leases to core deposits | 96.5306% | 1,528 |
| Total domestic deposits to total assets | 84.4400% | 2,653 |
| Equity capital to assets | 14.2443% | 611 |
| Core capital (leverage) ratio | 13.2560% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2284% | 917 |
| Memoranda: | ||
| Average total assets | $2,534,852,250 | 459 |
| Average earning assets | $2,345,546,250 | 452 |
| Average equity | $363,726,250 | 340 |
| Average total loans | $2,012,856,250 | 399 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 1,198 |
| Cost of funding earning assets | 0.8287% | 3,136 |
| Net interest margin | 4.3832% | 719 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6083% | 1,910 |
| Loan and lease loss provision to assets | -0.0800% | 4,546 |
| Net operating income to assets | 1.3565% | 1,433 |
| Return on assets (ROA) | 1.3565% | 1,416 |
| Pretax return on assets | 1.8910% | 886 |
| Return on Equity (ROE) | 9.4300% | 2,854 |
| Retained earnings to average equity (ytd only) | -4.3268% | 4,401 |
| Net charge-offs to loans | 0.0370% | 1,168 |
| Credit loss provision to net charge-offs | -246.6667% | 4,572 |
| Earnings coverage of net charge-offs (x) | 61.0800% | 1,190 |
| Efficiency ratio | 57.7851% | 3,214 |
| Assets per employee ($millions) | 6.6635% | 2,159 |
| Cash dividends to net income (ytd only)* | 145.8832% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,628 |
| Loan loss allowance to noncurrent loans | 148.8698% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 1,082 |
| Noncurrent loans to loans | 0.6373% | 1,171 |
| Net loans and leases to total assets | 78.1400% | 818 |
| Net loans and leases to deposits | 92.4999% | 988 |
| Net loans and leases to core deposits | 99.0981% | 1,285 |
| Total domestic deposits to total assets | 84.4700% | 2,706 |
| Equity capital to assets | 14.0116% | 644 |
| Core capital (leverage) ratio | 13.0549% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5857% | 1,019 |
| Memoranda: | ||
| Average total assets | $2,526,722,667 | 447 |
| Average earning assets | $2,337,632,000 | 445 |
| Average equity | $363,453,333 | 330 |
| Average total loans | $2,027,115,667 | 386 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1305% | 1,049 |
| Cost of funding earning assets | 0.6457% | 3,238 |
| Net interest margin | 4.4847% | 596 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.6219% | 1,891 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3589% | 1,515 |
| Return on assets (ROA) | 1.3589% | 1,482 |
| Pretax return on assets | 1.8910% | 921 |
| Return on Equity (ROE) | 9.3200% | 2,964 |
| Retained earnings to average equity (ytd only) | -7.0516% | 4,401 |
| Net charge-offs to loans | 0.0619% | 758 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 38.6032% | 1,199 |
| Efficiency ratio | 56.2520% | 3,383 |
| Assets per employee ($millions) | 6.9195% | 2,032 |
| Cash dividends to net income (ytd only)* | 175.6235% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,531 |
| Loan loss allowance to noncurrent loans | 155.8442% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 1,000 |
| Noncurrent loans to loans | 0.6402% | 1,176 |
| Net loans and leases to total assets | 79.9300% | 551 |
| Net loans and leases to deposits | 94.7107% | 737 |
| Net loans and leases to core deposits | 101.2715% | 1,033 |
| Total domestic deposits to total assets | 84.3900% | 3,000 |
| Equity capital to assets | 14.3091% | 552 |
| Core capital (leverage) ratio | 13.2638% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4436% | 1,082 |
| Memoranda: | ||
| Average total assets | $2,514,016,500 | 463 |
| Average earning assets | $2,328,516,000 | 455 |
| Average equity | $366,382,500 | 338 |
| Average total loans | $2,034,020,000 | 399 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 734 |
| Cost of funding earning assets | 0.2663% | 3,190 |
| Net interest margin | 4.2257% | 501 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5809% | 1,882 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.1652% | 1,911 |
| Return on assets (ROA) | 1.1652% | 1,845 |
| Pretax return on assets | 1.5998% | 1,171 |
| Return on Equity (ROE) | 8.4100% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.5781% | 2,799 |
| Net charge-offs to loans | 0.1670% | 504 |
| Credit loss provision to net charge-offs | 137.0256% | 1,359 |
| Earnings coverage of net charge-offs (x) | 13.9457% | 2,050 |
| Efficiency ratio | 57.4193% | 3,415 |
| Assets per employee ($millions) | 6.6725% | 2,199 |
| Cash dividends to net income (ytd only)* | 33.6893% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 3,652 |
| Loan loss allowance to noncurrent loans | 124.2277% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 816 |
| Noncurrent loans to loans | 0.7519% | 996 |
| Net loans and leases to total assets | 80.3300% | 557 |
| Net loans and leases to deposits | 95.9894% | 640 |
| Net loans and leases to core deposits | 102.0261% | 893 |
| Total domestic deposits to total assets | 83.6800% | 3,277 |
| Equity capital to assets | 14.8420% | 485 |
| Core capital (leverage) ratio | 13.6411% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3611% | 1,073 |
| Memoranda: | ||
| Average total assets | $2,547,564,600 | 447 |
| Average earning assets | $2,365,938,000 | 438 |
| Average equity | $352,859,000 | 340 |
| Average total loans | $1,940,644,600 | 389 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 714 |
| Cost of funding earning assets | 0.2427% | 2,784 |
| Net interest margin | 4.0689% | 545 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.5770% | 1,772 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.0892% | 2,145 |
| Return on assets (ROA) | 1.0892% | 2,108 |
| Pretax return on assets | 1.4947% | 1,427 |
| Return on Equity (ROE) | 8.0000% | 3,332 |
| Retained earnings to average equity (ytd only) | 4.1769% | 3,385 |
| Net charge-offs to loans | 0.2413% | 284 |
| Credit loss provision to net charge-offs | 110.0748% | 1,271 |
| Earnings coverage of net charge-offs (x) | 9.3636% | 2,025 |
| Efficiency ratio | 58.4784% | 3,324 |
| Assets per employee ($millions) | 6.7158% | 2,153 |
| Cash dividends to net income (ytd only)* | 47.8080% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 3,842 |
| Loan loss allowance to noncurrent loans | 91.7082% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 639 |
| Noncurrent loans to loans | 0.9849% | 793 |
| Net loans and leases to total assets | 78.6400% | 648 |
| Net loans and leases to deposits | 93.1806% | 688 |
| Net loans and leases to core deposits | 98.4339% | 883 |
| Total domestic deposits to total assets | 84.3900% | 3,407 |
| Equity capital to assets | 14.3520% | 530 |
| Core capital (leverage) ratio | 12.8983% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0653% | 1,162 |
| Memoranda: | ||
| Average total assets | $2,560,577,250 | 444 |
| Average earning assets | $2,379,990,250 | 435 |
| Average equity | $348,477,500 | 347 |
| Average total loans | $1,919,929,750 | 385 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 672 |
| Cost of funding earning assets | 0.2454% | 2,328 |
| Net interest margin | 3.9278% | 581 |
| Noninterest income to average assets | 0.5104% | 2,142 |
| Noninterest expense to average assets | 2.5983% | 1,642 |
| Loan and lease loss provision to assets | 0.2043% | 403 |
| Net operating income to assets | 1.0101% | 2,117 |
| Return on assets (ROA) | 1.0101% | 2,088 |
| Pretax return on assets | 1.3653% | 1,536 |
| Return on Equity (ROE) | 7.5565% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.5565% | 1,789 |
| Net charge-offs to loans | 0.2672% | 251 |
| Credit loss provision to net charge-offs | 103.9526% | 1,254 |
| Earnings coverage of net charge-offs (x) | 7.9866% | 1,839 |
| Efficiency ratio | 60.4559% | 3,240 |
| Assets per employee ($millions) | 7.4022% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 3,988 |
| Loan loss allowance to noncurrent loans | 166.9167% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 1,397 |
| Noncurrent loans to loans | 0.5319% | 1,558 |
| Net loans and leases to total assets | 74.7805% | 832 |
| Net loans and leases to deposits | 87.9151% | 838 |
| Net loans and leases to core deposits | 94.7421% | 882 |
| Total domestic deposits to total assets | 85.0600% | 3,473 |
| Equity capital to assets | 13.8547% | 540 |
| Core capital (leverage) ratio | 12.3000% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1893% | 1,148 |
| Memoranda: | ||
| Average total assets | $2,574,624,000 | 440 |
| Average earning assets | $2,397,500,667 | 435 |
| Average equity | $344,154,667 | 353 |
| Average total loans | $1,893,754,000 | 382 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 554 |
| Cost of funding earning assets | 0.2510% | 2,145 |
| Net interest margin | 3.9182% | 482 |
| Noninterest income to average assets | 0.7064% | 1,298 |
| Noninterest expense to average assets | 2.8872% | 983 |
| Loan and lease loss provision to assets | 0.0011% | 2,273 |
| Net operating income to assets | 1.1247% | 1,459 |
| Return on assets (ROA) | 1.1247% | 1,451 |
| Pretax return on assets | 1.4693% | 1,077 |
| Return on Equity (ROE) | 8.5782% | 2,485 |
| Retained earnings to average equity (ytd only) | 8.5782% | 1,401 |
| Net charge-offs to loans | 0.0015% | 1,780 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 1,330.2857% | 58 |
| Efficiency ratio | 64.4635% | 2,971 |
| Assets per employee ($millions) | 7.7744% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 4,086 |
| Loan loss allowance to noncurrent loans | 141.0134% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 1,328 |
| Noncurrent loans to loans | 0.6261% | 1,497 |
| Net loans and leases to total assets | 72.6157% | 781 |
| Net loans and leases to deposits | 84.8001% | 824 |
| Net loans and leases to core deposits | 91.1819% | 865 |
| Total domestic deposits to total assets | 85.6316% | 3,366 |
| Equity capital to assets | 13.3438% | 633 |
| Core capital (leverage) ratio | 11.7731% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9221% | 1,283 |
| Memoranda: | ||
| Average total assets | $2,533,245,000 | 451 |
| Average earning assets | $2,360,589,000 | 444 |
| Average equity | $332,146,000 | 373 |
| Average total loans | $1,838,129,000 | 391 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 1,843 |
| Cost of funding earning assets | 0.2340% | 3,092 |
| Net interest margin | 3.5763% | 1,533 |
| Noninterest income to average assets | 0.5023% | 2,557 |
| Noninterest expense to average assets | 2.3955% | 2,504 |
| Loan and lease loss provision to assets | 0.0203% | 2,662 |
| Net operating income to assets | 1.0186% | 2,594 |
| Return on assets (ROA) | 1.0186% | 2,675 |
| Pretax return on assets | 1.4031% | 2,044 |
| Return on Equity (ROE) | 8.1459% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.1459% | 1,479 |
| Net charge-offs to loans | 0.0163% | 1,974 |
| Credit loss provision to net charge-offs | 175.1880% | 1,387 |
| Earnings coverage of net charge-offs (x) | 122.8045% | 768 |
| Efficiency ratio | 60.6579% | 3,052 |
| Assets per employee ($millions) | 7.5892% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,531 |
| Loan loss allowance to noncurrent loans | 257.0806% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 2,056 |
| Noncurrent loans to loans | 0.4119% | 2,122 |
| Net loans and leases to total assets | 70.9758% | 923 |
| Net loans and leases to deposits | 82.6443% | 1,005 |
| Net loans and leases to core deposits | 87.6193% | 1,101 |
| Total domestic deposits to total assets | 85.8810% | 2,951 |
| Equity capital to assets | 12.8386% | 947 |
| Core capital (leverage) ratio | 10.8688% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6546% | 1,631 |
| Memoranda: | ||
| Average total assets | $2,294,885,000 | 464 |
| Average earning assets | $2,128,203,000 | 463 |
| Average equity | $286,965,800 | 408 |
| Average total loans | $1,632,831,400 | 435 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 2,081 |
| Cost of funding earning assets | 0.2371% | 3,239 |
| Net interest margin | 3.5359% | 1,767 |
| Noninterest income to average assets | 0.5192% | 2,543 |
| Noninterest expense to average assets | 2.4063% | 2,419 |
| Loan and lease loss provision to assets | -0.0017% | 4,289 |
| Net operating income to assets | 1.0102% | 2,866 |
| Return on assets (ROA) | 1.0102% | 2,929 |
| Pretax return on assets | 1.3896% | 2,379 |
| Return on Equity (ROE) | 8.1338% | 3,363 |
| Retained earnings to average equity (ytd only) | 8.1338% | 2,012 |
| Net charge-offs to loans | 0.0140% | 1,810 |
| Credit loss provision to net charge-offs | -17.6471% | 3,074 |
| Earnings coverage of net charge-offs (x) | 139.9824% | 707 |
| Efficiency ratio | 61.3308% | 2,787 |
| Assets per employee ($millions) | 7.6951% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,679 |
| Loan loss allowance to noncurrent loans | 208.6348% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 2,012 |
| Noncurrent loans to loans | 0.5019% | 2,055 |
| Net loans and leases to total assets | 69.6526% | 1,110 |
| Net loans and leases to deposits | 80.6411% | 1,228 |
| Net loans and leases to core deposits | 85.1795% | 1,341 |
| Total domestic deposits to total assets | 86.3735% | 2,609 |
| Equity capital to assets | 12.4890% | 1,174 |
| Core capital (leverage) ratio | 10.6250% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9082% | 1,647 |
| Memoranda: | ||
| Average total assets | $2,286,132,750 | 471 |
| Average earning assets | $2,117,445,750 | 470 |
| Average equity | $283,925,750 | 412 |
| Average total loans | $1,623,199,250 | 436 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 1,996 |
| Cost of funding earning assets | 0.2394% | 3,378 |
| Net interest margin | 3.5905% | 1,611 |
| Noninterest income to average assets | 0.4274% | 2,966 |
| Noninterest expense to average assets | 2.4189% | 2,402 |
| Loan and lease loss provision to assets | -0.0448% | 4,507 |
| Net operating income to assets | 0.9961% | 2,900 |
| Return on assets (ROA) | 0.9961% | 2,983 |
| Pretax return on assets | 1.3747% | 2,407 |
| Return on Equity (ROE) | 8.0360% | 3,402 |
| Retained earnings to average equity (ytd only) | 8.0360% | 2,060 |
| Net charge-offs to loans | -0.0009% | 3,074 |
| Credit loss provision to net charge-offs | 7,242.8571% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3908% | 2,680 |
| Assets per employee ($millions) | 7.7181% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,577 |
| Loan loss allowance to noncurrent loans | 194.9318% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,072 |
| Noncurrent loans to loans | 0.5451% | 2,039 |
| Net loans and leases to total assets | 68.3654% | 1,402 |
| Net loans and leases to deposits | 79.2524% | 1,487 |
| Net loans and leases to core deposits | 83.9285% | 1,568 |
| Total domestic deposits to total assets | 86.2629% | 2,643 |
| Equity capital to assets | 12.4067% | 1,181 |
| Core capital (leverage) ratio | 10.5346% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2661% | 1,538 |
| Memoranda: | ||
| Average total assets | $2,265,838,333 | 473 |
| Average earning assets | $2,096,051,333 | 471 |
| Average equity | $280,861,667 | 411 |
| Average total loans | $1,613,580,000 | 444 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 1,792 |
| Cost of funding earning assets | 0.2419% | 3,549 |
| Net interest margin | 3.6751% | 1,390 |
| Noninterest income to average assets | 0.4130% | 3,024 |
| Noninterest expense to average assets | 2.5058% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9447% | 2,985 |
| Return on assets (ROA) | 0.9447% | 3,074 |
| Pretax return on assets | 1.3019% | 2,564 |
| Return on Equity (ROE) | 7.6252% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.6252% | 2,370 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6854% | 2,506 |
| Assets per employee ($millions) | 7.4257% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,424 |
| Loan loss allowance to noncurrent loans | 177.9721% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,081 |
| Noncurrent loans to loans | 0.6189% | 2,017 |
| Net loans and leases to total assets | 68.7023% | 1,443 |
| Net loans and leases to deposits | 79.6284% | 1,557 |
| Net loans and leases to core deposits | 84.4932% | 1,635 |
| Total domestic deposits to total assets | 86.2787% | 2,636 |
| Equity capital to assets | 12.2476% | 1,176 |
| Core capital (leverage) ratio | 10.5226% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3209% | 1,470 |
| Memoranda: | ||
| Average total assets | $2,241,041,000 | 471 |
| Average earning assets | $2,070,059,500 | 470 |
| Average equity | $277,658,000 | 411 |
| Average total loans | $1,620,392,000 | 448 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 1,673 |
| Cost of funding earning assets | 0.3540% | 3,853 |
| Net interest margin | 4.0141% | 945 |
| Noninterest income to average assets | 0.4153% | 3,026 |
| Noninterest expense to average assets | 2.6890% | 2,271 |
| Loan and lease loss provision to assets | 0.4772% | 549 |
| Net operating income to assets | 0.7133% | 3,390 |
| Return on assets (ROA) | 0.7133% | 3,524 |
| Pretax return on assets | 0.9539% | 3,206 |
| Return on Equity (ROE) | 5.8039% | 3,636 |
| Retained earnings to average equity (ytd only) | -1.2460% | 4,656 |
| Net charge-offs to loans | 0.0135% | 2,861 |
| Credit loss provision to net charge-offs | 4,690.9091% | 224 |
| Earnings coverage of net charge-offs (x) | 140.6864% | 612 |
| Efficiency ratio | 63.2098% | 2,940 |
| Assets per employee ($millions) | 6.9681% | 1,604 |
| Cash dividends to net income (ytd only)* | 121.4675% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,639 |
| Loan loss allowance to noncurrent loans | 202.3823% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 2,344 |
| Noncurrent loans to loans | 0.5234% | 2,409 |
| Net loans and leases to total assets | 74.4651% | 963 |
| Net loans and leases to deposits | 86.5788% | 1,206 |
| Net loans and leases to core deposits | 92.0731% | 1,379 |
| Total domestic deposits to total assets | 86.0084% | 2,358 |
| Equity capital to assets | 12.5377% | 1,297 |
| Core capital (leverage) ratio | 10.1769% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3607% | 1,725 |
| Memoranda: | ||
| Average total assets | $2,162,763,600 | 448 |
| Average earning assets | $1,996,124,000 | 447 |
| Average equity | $265,820,000 | 401 |
| Average total loans | $1,633,911,400 | 415 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,673 |
| Cost of funding earning assets | 0.3771% | 3,924 |
| Net interest margin | 4.0838% | 923 |
| Noninterest income to average assets | 0.3624% | 3,290 |
| Noninterest expense to average assets | 2.7411% | 2,138 |
| Loan and lease loss provision to assets | 0.5200% | 551 |
| Net operating income to assets | 0.6283% | 3,698 |
| Return on assets (ROA) | 0.6283% | 3,791 |
| Pretax return on assets | 0.8697% | 3,467 |
| Return on Equity (ROE) | 5.1384% | 3,853 |
| Retained earnings to average equity (ytd only) | -4.3449% | 4,822 |
| Net charge-offs to loans | 0.0003% | 3,238 |
| Credit loss provision to net charge-offs | 210,100.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 5,614.7500% | 7 |
| Efficiency ratio | 64.2914% | 2,690 |
| Assets per employee ($millions) | 7.2761% | 1,337 |
| Cash dividends to net income (ytd only)* | 184.5578% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,990 |
| Loan loss allowance to noncurrent loans | 208.9394% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 2,754 |
| Noncurrent loans to loans | 0.4432% | 2,723 |
| Net loans and leases to total assets | 74.4596% | 1,319 |
| Net loans and leases to deposits | 86.0408% | 1,703 |
| Net loans and leases to core deposits | 91.1928% | 1,868 |
| Total domestic deposits to total assets | 86.5399% | 1,844 |
| Equity capital to assets | 11.8808% | 1,749 |
| Core capital (leverage) ratio | 9.9404% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4066% | 2,032 |
| Memoranda: | ||
| Average total assets | $2,154,715,250 | 440 |
| Average earning assets | $1,988,297,500 | 439 |
| Average equity | $263,475,500 | 395 |
| Average total loans | $1,629,395,250 | 409 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 1,551 |
| Cost of funding earning assets | 0.4146% | 3,973 |
| Net interest margin | 4.2303% | 856 |
| Noninterest income to average assets | 0.3760% | 3,226 |
| Noninterest expense to average assets | 2.8548% | 1,961 |
| Loan and lease loss provision to assets | 0.5775% | 562 |
| Net operating income to assets | 0.6022% | 3,730 |
| Return on assets (ROA) | 0.6022% | 3,807 |
| Pretax return on assets | 0.8428% | 3,466 |
| Return on Equity (ROE) | 4.8753% | 3,860 |
| Retained earnings to average equity (ytd only) | -10.5235% | 4,926 |
| Net charge-offs to loans | 0.0014% | 2,977 |
| Credit loss provision to net charge-offs | 55,554.5455% | 20 |
| Earnings coverage of net charge-offs (x) | 1,366.2727% | 59 |
| Efficiency ratio | 64.7294% | 2,708 |
| Assets per employee ($millions) | 6.8387% | 1,540 |
| Cash dividends to net income (ytd only)* | 315.8506% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,381 |
| Loan loss allowance to noncurrent loans | 164.1537% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 2,734 |
| Noncurrent loans to loans | 0.4768% | 2,719 |
| Net loans and leases to total assets | 78.1931% | 825 |
| Net loans and leases to deposits | 90.6284% | 1,292 |
| Net loans and leases to core deposits | 96.5666% | 1,533 |
| Total domestic deposits to total assets | 86.2788% | 1,892 |
| Equity capital to assets | 12.0712% | 1,619 |
| Core capital (leverage) ratio | 9.9233% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5968% | 2,361 |
| Memoranda: | ||
| Average total assets | $2,116,239,667 | 441 |
| Average earning assets | $1,950,566,333 | 439 |
| Average equity | $261,397,000 | 399 |
| Average total loans | $1,603,814,000 | 411 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 1,748 |
| Cost of funding earning assets | 0.4871% | 4,003 |
| Net interest margin | 4.2004% | 922 |
| Noninterest income to average assets | 0.5050% | 2,526 |
| Noninterest expense to average assets | 3.2271% | 1,373 |
| Loan and lease loss provision to assets | 0.3294% | 938 |
| Net operating income to assets | 0.5817% | 3,655 |
| Return on assets (ROA) | 0.5817% | 3,715 |
| Pretax return on assets | 0.8238% | 3,349 |
| Return on Equity (ROE) | 4.6536% | 3,762 |
| Retained earnings to average equity (ytd only) | -26.3080% | 5,019 |
| Net charge-offs to loans | 0.0034% | 2,465 |
| Credit loss provision to net charge-offs | 13,176.9231% | 58 |
| Earnings coverage of net charge-offs (x) | 461.3077% | 139 |
| Efficiency ratio | 71.6010% | 2,141 |
| Assets per employee ($millions) | 6.8811% | 1,150 |
| Cash dividends to net income (ytd only)* | 665.3223% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 4,820 |
| Loan loss allowance to noncurrent loans | 104.7422% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 2,759 |
| Noncurrent loans to loans | 0.5340% | 2,665 |
| Net loans and leases to total assets | 74.6384% | 1,514 |
| Net loans and leases to deposits | 90.9022% | 1,415 |
| Net loans and leases to core deposits | 97.6731% | 1,667 |
| Total domestic deposits to total assets | 82.1084% | 3,387 |
| Equity capital to assets | 11.9782% | 2,086 |
| Core capital (leverage) ratio | 10.1262% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1262% | 2,645 |
| Memoranda: | ||
| Average total assets | $2,080,162,000 | 433 |
| Average earning assets | $1,919,169,500 | 428 |
| Average equity | $260,012,500 | 401 |
| Average total loans | $1,543,384,000 | 414 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 1,882 |
| Cost of funding earning assets | 0.5310% | 3,966 |
| Net interest margin | 4.3222% | 1,040 |
| Noninterest income to average assets | 0.5739% | 2,344 |
| Noninterest expense to average assets | 3.0266% | 1,947 |
| Loan and lease loss provision to assets | 0.1309% | 1,634 |
| Net operating income to assets | 1.0436% | 2,684 |
| Return on assets (ROA) | 1.0439% | 2,774 |
| Pretax return on assets | 1.4299% | 2,045 |
| Return on Equity (ROE) | 8.1362% | 3,106 |
| Retained earnings to average equity (ytd only) | -4.4636% | 4,962 |
| Net charge-offs to loans | -0.0031% | 4,270 |
| Credit loss provision to net charge-offs | -6,177.7778% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8962% | 3,086 |
| Assets per employee ($millions) | 6.5552% | 1,254 |
| Cash dividends to net income (ytd only)* | 154.8613% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5069% | 4,882 |
| Loan loss allowance to noncurrent loans | 104.3429% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,868 |
| Noncurrent loans to loans | 0.4858% | 2,732 |
| Net loans and leases to total assets | 72.8855% | 1,938 |
| Net loans and leases to deposits | 85.3412% | 2,173 |
| Net loans and leases to core deposits | 92.7795% | 2,178 |
| Total domestic deposits to total assets | 85.4049% | 2,346 |
| Equity capital to assets | 13.0668% | 1,479 |
| Core capital (leverage) ratio | 10.9826% | 2,517 |
| Tier 1 risk-based capital ratio | 14.2318% | 3,154 |
| Total risk-based capital ratio | 14.7522% | 3,415 |
| Memoranda: | ||
| Average total assets | $1,698,632,400 | 499 |
| Average earning assets | $1,577,186,000 | 490 |
| Average equity | $217,940,600 | 444 |
| Average total loans | $1,172,536,800 | 499 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,033 |
| Cost of funding earning assets | 0.5139% | 4,087 |
| Net interest margin | 4.3155% | 1,134 |
| Noninterest income to average assets | 0.5663% | 2,374 |
| Noninterest expense to average assets | 2.9668% | 2,065 |
| Loan and lease loss provision to assets | 0.0985% | 1,948 |
| Net operating income to assets | 1.0678% | 2,701 |
| Return on assets (ROA) | 1.0682% | 2,784 |
| Pretax return on assets | 1.5113% | 1,924 |
| Return on Equity (ROE) | 8.3730% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.3730% | 1,256 |
| Net charge-offs to loans | -0.0023% | 4,072 |
| Credit loss provision to net charge-offs | -6,321.0526% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7223% | 3,213 |
| Assets per employee ($millions) | 6.9135% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5141% | 4,953 |
| Loan loss allowance to noncurrent loans | 92.5495% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 2,810 |
| Noncurrent loans to loans | 0.5555% | 2,633 |
| Net loans and leases to total assets | 69.5361% | 2,545 |
| Net loans and leases to deposits | 81.9419% | 2,687 |
| Net loans and leases to core deposits | 90.4871% | 2,504 |
| Total domestic deposits to total assets | 84.8602% | 2,471 |
| Equity capital to assets | 13.8196% | 1,222 |
| Core capital (leverage) ratio | 11.9565% | 1,879 |
| Tier 1 risk-based capital ratio | 16.4518% | 2,286 |
| Total risk-based capital ratio | 16.9836% | 2,477 |
| Memoranda: | ||
| Average total assets | $1,625,093,250 | 524 |
| Average earning assets | $1,509,985,250 | 511 |
| Average equity | $207,327,250 | 463 |
| Average total loans | $1,100,707,250 | 528 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 2,419 |
| Cost of funding earning assets | 0.4496% | 4,327 |
| Net interest margin | 4.2324% | 1,283 |
| Noninterest income to average assets | 0.6032% | 2,135 |
| Noninterest expense to average assets | 3.1112% | 1,700 |
| Loan and lease loss provision to assets | 0.0916% | 2,023 |
| Net operating income to assets | 0.9304% | 3,165 |
| Return on assets (ROA) | 0.9310% | 3,226 |
| Pretax return on assets | 1.3346% | 2,427 |
| Return on Equity (ROE) | 7.5318% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.5318% | 1,584 |
| Net charge-offs to loans | -0.0034% | 4,051 |
| Credit loss provision to net charge-offs | -4,011.1111% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3964% | 2,766 |
| Assets per employee ($millions) | 6.7594% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 5,040 |
| Loan loss allowance to noncurrent loans | 133.0618% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,418 |
| Noncurrent loans to loans | 0.3621% | 3,232 |
| Net loans and leases to total assets | 68.5809% | 2,742 |
| Net loans and leases to deposits | 80.4717% | 2,898 |
| Net loans and leases to core deposits | 88.9165% | 2,710 |
| Total domestic deposits to total assets | 85.2236% | 2,378 |
| Equity capital to assets | 13.4518% | 1,347 |
| Core capital (leverage) ratio | 11.5519% | 2,122 |
| Tier 1 risk-based capital ratio | 16.2249% | 2,317 |
| Total risk-based capital ratio | 16.7279% | 2,558 |
| Memoranda: | ||
| Average total assets | $1,576,839,000 | 533 |
| Average earning assets | $1,465,419,670 | 523 |
| Average equity | $194,907,330 | 484 |
| Average total loans | $1,055,260,330 | 542 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 2,052 |
| Cost of funding earning assets | 0.4206% | 4,399 |
| Net interest margin | 4.3305% | 1,040 |
| Noninterest income to average assets | 0.5868% | 2,108 |
| Noninterest expense to average assets | 2.6320% | 3,116 |
| Loan and lease loss provision to assets | 0.0749% | 2,182 |
| Net operating income to assets | 1.3559% | 1,505 |
| Return on assets (ROA) | 1.3559% | 1,548 |
| Pretax return on assets | 1.9100% | 780 |
| Return on Equity (ROE) | 11.5811% | 1,701 |
| Retained earnings to average equity (ytd only) | 11.5811% | 690 |
| Net charge-offs to loans | 0.0049% | 2,528 |
| Credit loss provision to net charge-offs | 2,308.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 611.9167% | 117 |
| Efficiency ratio | 54.7307% | 4,464 |
| Assets per employee ($millions) | 7.2283% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5577% | 5,010 |
| Loan loss allowance to noncurrent loans | 149.8060% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,417 |
| Noncurrent loans to loans | 0.3723% | 3,253 |
| Net loans and leases to total assets | 65.0405% | 3,167 |
| Net loans and leases to deposits | 74.8018% | 3,375 |
| Net loans and leases to core deposits | 80.7073% | 3,302 |
| Total domestic deposits to total assets | 86.9505% | 1,840 |
| Equity capital to assets | 11.8847% | 2,100 |
| Core capital (leverage) ratio | 10.4435% | 3,117 |
| Tier 1 risk-based capital ratio | 15.2903% | 2,754 |
| Total risk-based capital ratio | 15.8651% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,479,776,500 | 561 |
| Average earning assets | $1,377,103,500 | 549 |
| Average equity | $173,248,000 | 528 |
| Average total loans | $972,679,000 | 594 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 2,262 |
| Cost of funding earning assets | 0.3951% | 4,006 |
| Net interest margin | 4.1634% | 1,495 |
| Noninterest income to average assets | 0.5409% | 2,606 |
| Noninterest expense to average assets | 2.7517% | 2,852 |
| Loan and lease loss provision to assets | 0.1384% | 1,557 |
| Net operating income to assets | 1.1012% | 2,591 |
| Return on assets (ROA) | 1.1014% | 2,588 |
| Pretax return on assets | 1.5538% | 1,612 |
| Return on Equity (ROE) | 10.3094% | 2,390 |
| Retained earnings to average equity (ytd only) | 10.3094% | 568 |
| Net charge-offs to loans | 0.1002% | 1,758 |
| Credit loss provision to net charge-offs | 200.8724% | 1,428 |
| Earnings coverage of net charge-offs (x) | 24.5518% | 1,804 |
| Efficiency ratio | 59.9418% | 3,869 |
| Assets per employee ($millions) | 6.6565% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 5,092 |
| Loan loss allowance to noncurrent loans | 164.3223% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,521 |
| Noncurrent loans to loans | 0.3204% | 3,399 |
| Net loans and leases to total assets | 65.7108% | 3,172 |
| Net loans and leases to deposits | 74.9423% | 3,429 |
| Net loans and leases to core deposits | 81.0568% | 3,344 |
| Total domestic deposits to total assets | 87.6818% | 1,453 |
| Equity capital to assets | 11.5302% | 2,237 |
| Core capital (leverage) ratio | 10.0377% | 3,532 |
| Tier 1 risk-based capital ratio | 14.6255% | 3,004 |
| Total risk-based capital ratio | 15.1690% | 3,248 |
| Memoranda: | ||
| Average total assets | $1,330,624,600 | 593 |
| Average earning assets | $1,247,356,200 | 582 |
| Average equity | $142,151,400 | 611 |
| Average total loans | $915,437,600 | 603 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 2,088 |
| Cost of funding earning assets | 0.3823% | 3,980 |
| Net interest margin | 4.1825% | 1,409 |
| Noninterest income to average assets | 0.5700% | 2,473 |
| Noninterest expense to average assets | 2.5918% | 3,304 |
| Loan and lease loss provision to assets | 0.1626% | 1,180 |
| Net operating income to assets | 1.2413% | 2,078 |
| Return on assets (ROA) | 1.2415% | 2,085 |
| Pretax return on assets | 1.7429% | 1,166 |
| Return on Equity (ROE) | 11.8908% | 1,828 |
| Retained earnings to average equity (ytd only) | 11.8908% | 492 |
| Net charge-offs to loans | 0.0434% | 2,230 |
| Credit loss provision to net charge-offs | 538.5666% | 659 |
| Earnings coverage of net charge-offs (x) | 63.0985% | 1,024 |
| Efficiency ratio | 55.6452% | 4,432 |
| Assets per employee ($millions) | 8.1930% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6094% | 5,028 |
| Loan loss allowance to noncurrent loans | 82.9563% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,658 |
| Noncurrent loans to loans | 0.7347% | 2,242 |
| Net loans and leases to total assets | 66.7547% | 3,096 |
| Net loans and leases to deposits | 75.2514% | 3,485 |
| Net loans and leases to core deposits | 82.0666% | 3,320 |
| Total domestic deposits to total assets | 88.7089% | 952 |
| Equity capital to assets | 10.4942% | 3,148 |
| Core capital (leverage) ratio | 9.4379% | 4,243 |
| Tier 1 risk-based capital ratio | 13.5519% | 3,598 |
| Total risk-based capital ratio | 14.1798% | 3,851 |
| Memoranda: | ||
| Average total assets | $1,293,842,250 | 605 |
| Average earning assets | $1,214,806,250 | 590 |
| Average equity | $135,092,250 | 634 |
| Average total loans | $900,251,000 | 610 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 1,930 |
| Cost of funding earning assets | 0.3472% | 4,092 |
| Net interest margin | 4.2055% | 1,281 |
| Noninterest income to average assets | 0.6051% | 2,298 |
| Noninterest expense to average assets | 2.6228% | 3,253 |
| Loan and lease loss provision to assets | 0.0778% | 2,351 |
| Net operating income to assets | 1.3405% | 1,636 |
| Return on assets (ROA) | 1.3409% | 1,640 |
| Pretax return on assets | 1.8542% | 871 |
| Return on Equity (ROE) | 12.8650% | 1,412 |
| Retained earnings to average equity (ytd only) | 12.8650% | 397 |
| Net charge-offs to loans | 0.0249% | 2,361 |
| Credit loss provision to net charge-offs | 443.7500% | 767 |
| Earnings coverage of net charge-offs (x) | 110.1339% | 656 |
| Efficiency ratio | 55.6025% | 4,529 |
| Assets per employee ($millions) | 8.2523% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 5,257 |
| Loan loss allowance to noncurrent loans | 493.5622% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,672 |
| Noncurrent loans to loans | 0.1020% | 4,456 |
| Net loans and leases to total assets | 67.5624% | 2,938 |
| Net loans and leases to deposits | 75.7757% | 3,359 |
| Net loans and leases to core deposits | 86.5573% | 2,870 |
| Total domestic deposits to total assets | 89.1610% | 865 |
| Equity capital to assets | 10.2134% | 3,432 |
| Core capital (leverage) ratio | 9.4564% | 4,168 |
| Tier 1 risk-based capital ratio | 13.3647% | 3,698 |
| Total risk-based capital ratio | 13.9066% | 3,991 |
| Memoranda: | ||
| Average total assets | $1,277,237,330 | 612 |
| Average earning assets | $1,199,424,330 | 599 |
| Average equity | $133,121,000 | 643 |
| Average total loans | $899,516,670 | 609 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,447 |
| Cost of funding earning assets | 0.3398% | 4,067 |
| Net interest margin | 4.3061% | 942 |
| Noninterest income to average assets | 0.5643% | 2,453 |
| Noninterest expense to average assets | 2.6008% | 3,332 |
| Loan and lease loss provision to assets | 0.0817% | 2,157 |
| Net operating income to assets | 1.3574% | 1,457 |
| Return on assets (ROA) | 1.3574% | 1,471 |
| Pretax return on assets | 1.9226% | 685 |
| Return on Equity (ROE) | 12.8834% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.8834% | 539 |
| Net charge-offs to loans | -0.0587% | 5,039 |
| Credit loss provision to net charge-offs | -193.8931% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5340% | 4,741 |
| Assets per employee ($millions) | 7.6153% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5164% | 5,310 |
| Loan loss allowance to noncurrent loans | 2,008.7336% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,023 |
| Noncurrent loans to loans | 0.0257% | 4,866 |
| Net loans and leases to total assets | 71.3957% | 2,271 |
| Net loans and leases to deposits | 80.6198% | 2,737 |
| Net loans and leases to core deposits | 93.1054% | 2,201 |
| Total domestic deposits to total assets | 88.5585% | 1,328 |
| Equity capital to assets | 10.7169% | 2,855 |
| Core capital (leverage) ratio | 9.4868% | 4,081 |
| Tier 1 risk-based capital ratio | 13.3122% | 3,771 |
| Total risk-based capital ratio | 13.8759% | 4,063 |
| Memoranda: | ||
| Average total assets | $1,243,294,500 | 638 |
| Average earning assets | $1,166,716,500 | 622 |
| Average equity | $130,990,000 | 652 |
| Average total loans | $892,576,500 | 616 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,287 |
| Cost of funding earning assets | 0.4184% | 3,068 |
| Net interest margin | 4.2413% | 1,099 |
| Noninterest income to average assets | 0.5599% | 2,658 |
| Noninterest expense to average assets | 3.0309% | 2,071 |
| Loan and lease loss provision to assets | 0.0466% | 3,298 |
| Net operating income to assets | 0.5667% | 4,156 |
| Return on assets (ROA) | 0.5667% | 4,190 |
| Pretax return on assets | 1.4779% | 1,727 |
| Return on Equity (ROE) | 5.4227% | 3,996 |
| Retained earnings to average equity (ytd only) | -12.9431% | 5,578 |
| Net charge-offs to loans | 0.0030% | 4,000 |
| Credit loss provision to net charge-offs | 2,100.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 687.1818% | 124 |
| Efficiency ratio | 64.6530% | 3,505 |
| Assets per employee ($millions) | 7.8796% | 665 |
| Cash dividends to net income (ytd only)* | 338.6833% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4713% | 5,423 |
| Loan loss allowance to noncurrent loans | 2,354.7486% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,083 |
| Noncurrent loans to loans | 0.0200% | 4,927 |
| Net loans and leases to total assets | 71.4958% | 2,293 |
| Net loans and leases to deposits | 80.5543% | 2,856 |
| Net loans and leases to core deposits | 93.3596% | 2,251 |
| Total domestic deposits to total assets | 88.7548% | 1,114 |
| Equity capital to assets | 10.3606% | 3,320 |
| Core capital (leverage) ratio | 8.9112% | 4,746 |
| Tier 1 risk-based capital ratio | 12.4192% | 4,251 |
| Total risk-based capital ratio | 12.9255% | 4,623 |
| Memoranda: | ||
| Average total assets | $991,700,600 | 747 |
| Average earning assets | $934,200,200 | 727 |
| Average equity | $103,638,600 | 797 |
| Average total loans | $728,385,600 | 725 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,116 |
| Cost of funding earning assets | 0.4382% | 2,827 |
| Net interest margin | 4.2709% | 994 |
| Noninterest income to average assets | 0.5309% | 2,834 |
| Noninterest expense to average assets | 2.9688% | 2,194 |
| Loan and lease loss provision to assets | 0.0495% | 3,102 |
| Net operating income to assets | 0.8980% | 3,037 |
| Return on assets (ROA) | 0.8980% | 3,090 |
| Pretax return on assets | 1.5420% | 1,610 |
| Return on Equity (ROE) | 8.5683% | 2,827 |
| Retained earnings to average equity (ytd only) | -17.5135% | 5,670 |
| Net charge-offs to loans | 0.0087% | 3,414 |
| Credit loss provision to net charge-offs | 766.6667% | 447 |
| Earnings coverage of net charge-offs (x) | 246.2605% | 359 |
| Efficiency ratio | 63.2960% | 3,669 |
| Assets per employee ($millions) | 8.0069% | 629 |
| Cash dividends to net income (ytd only)* | 304.3980% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4821% | 5,491 |
| Loan loss allowance to noncurrent loans | 2,190.8602% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,040 |
| Noncurrent loans to loans | 0.0220% | 5,027 |
| Net loans and leases to total assets | 70.9807% | 2,412 |
| Net loans and leases to deposits | 79.7024% | 3,002 |
| Net loans and leases to core deposits | 90.8510% | 2,540 |
| Total domestic deposits to total assets | 89.0572% | 856 |
| Equity capital to assets | 9.9162% | 4,017 |
| Core capital (leverage) ratio | 8.7355% | 5,025 |
| Tier 1 risk-based capital ratio | 12.1752% | 4,510 |
| Total risk-based capital ratio | 12.6990% | 4,882 |
| Memoranda: | ||
| Average total assets | $928,380,750 | 807 |
| Average earning assets | $875,886,250 | 780 |
| Average equity | $97,301,500 | 852 |
| Average total loans | $686,901,000 | 761 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,541 |
| Cost of funding earning assets | 0.4742% | 2,382 |
| Net interest margin | 4.0156% | 1,555 |
| Noninterest income to average assets | 0.6348% | 2,291 |
| Noninterest expense to average assets | 3.1055% | 1,827 |
| Loan and lease loss provision to assets | 0.0681% | 2,609 |
| Net operating income to assets | 0.7083% | 3,805 |
| Return on assets (ROA) | 0.7083% | 3,872 |
| Pretax return on assets | 1.2567% | 2,546 |
| Return on Equity (ROE) | 6.5919% | 3,782 |
| Retained earnings to average equity (ytd only) | -35.4417% | 5,751 |
| Net charge-offs to loans | -0.0038% | 4,276 |
| Credit loss provision to net charge-offs | -2,391.6667% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5110% | 2,921 |
| Assets per employee ($millions) | 7.6022% | 710 |
| Cash dividends to net income (ytd only)* | 637.6549% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 5,542 |
| Loan loss allowance to noncurrent loans | 1,110.3542% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 4,995 |
| Noncurrent loans to loans | 0.0427% | 4,982 |
| Net loans and leases to total assets | 73.9604% | 1,877 |
| Net loans and leases to deposits | 82.7460% | 2,625 |
| Net loans and leases to core deposits | 93.0285% | 2,243 |
| Total domestic deposits to total assets | 89.3823% | 769 |
| Equity capital to assets | 9.8700% | 4,063 |
| Core capital (leverage) ratio | 8.6462% | 5,093 |
| Tier 1 risk-based capital ratio | 11.7540% | 4,802 |
| Total risk-based capital ratio | 12.2787% | 5,133 |
| Memoranda: | ||
| Average total assets | $842,836,000 | 896 |
| Average earning assets | $796,644,670 | 875 |
| Average equity | $90,565,670 | 906 |
| Average total loans | $634,132,330 | 831 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 1,454 |
| Cost of funding earning assets | 0.5618% | 1,635 |
| Net interest margin | 3.9054% | 1,758 |
| Noninterest income to average assets | 0.4877% | 3,060 |
| Noninterest expense to average assets | 2.6995% | 3,141 |
| Loan and lease loss provision to assets | 0.0833% | 2,148 |
| Net operating income to assets | 0.8268% | 3,092 |
| Return on assets (ROA) | 0.8268% | 3,146 |
| Pretax return on assets | 1.4235% | 1,799 |
| Return on Equity (ROE) | 7.2010% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.2010% | 1,779 |
| Net charge-offs to loans | -0.0054% | 4,206 |
| Credit loss provision to net charge-offs | -2,042.8571% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0143% | 3,990 |
| Assets per employee ($millions) | 6.5177% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 5,240 |
| Loan loss allowance to noncurrent loans | 395.6653% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 4,030 |
| Noncurrent loans to loans | 0.1853% | 4,458 |
| Net loans and leases to total assets | 76.2038% | 1,384 |
| Net loans and leases to deposits | 87.1285% | 1,900 |
| Net loans and leases to core deposits | 102.1752% | 1,358 |
| Total domestic deposits to total assets | 87.4614% | 2,005 |
| Equity capital to assets | 11.4113% | 2,245 |
| Core capital (leverage) ratio | 11.0928% | 2,276 |
| Tier 1 risk-based capital ratio | 13.8626% | 3,568 |
| Total risk-based capital ratio | 14.6405% | 3,760 |
| Memoranda: | ||
| Average total assets | $686,485,000 | 1,071 |
| Average earning assets | $653,658,000 | 1,040 |
| Average equity | $78,822,500 | 1,026 |
| Average total loans | $521,841,000 | 985 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 856 |
| Cost of funding earning assets | 0.5024% | 2,073 |
| Net interest margin | 4.3169% | 908 |
| Noninterest income to average assets | 0.2042% | 5,189 |
| Noninterest expense to average assets | 2.6011% | 3,674 |
| Loan and lease loss provision to assets | 0.0927% | 2,504 |
| Net operating income to assets | 0.9161% | 2,744 |
| Return on assets (ROA) | 0.9161% | 2,855 |
| Pretax return on assets | 1.6035% | 1,267 |
| Return on Equity (ROE) | 7.8988% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.8988% | 886 |
| Net charge-offs to loans | 0.1354% | 1,889 |
| Credit loss provision to net charge-offs | 88.8559% | 2,820 |
| Earnings coverage of net charge-offs (x) | 16.2645% | 2,129 |
| Efficiency ratio | 59.0942% | 4,715 |
| Assets per employee ($millions) | 6.2553% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 5,262 |
| Loan loss allowance to noncurrent loans | 346.3303% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 4,176 |
| Noncurrent loans to loans | 0.2144% | 4,382 |
| Net loans and leases to total assets | 74.6832% | 1,745 |
| Net loans and leases to deposits | 85.4054% | 2,249 |
| Net loans and leases to core deposits | 100.3287% | 1,592 |
| Total domestic deposits to total assets | 87.4455% | 1,905 |
| Equity capital to assets | 11.5551% | 2,118 |
| Core capital (leverage) ratio | 10.6239% | 2,749 |
| Tier 1 risk-based capital ratio | 13.4309% | 3,814 |
| Total risk-based capital ratio | 14.1776% | 4,016 |
| Memoranda: | ||
| Average total assets | $645,345,600 | 1,099 |
| Average earning assets | $611,879,000 | 1,071 |
| Average equity | $74,847,200 | 1,063 |
| Average total loans | $497,087,000 | 979 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 942 |
| Cost of funding earning assets | 0.4770% | 2,302 |
| Net interest margin | 4.3000% | 928 |
| Noninterest income to average assets | 0.2245% | 5,128 |
| Noninterest expense to average assets | 2.6976% | 3,354 |
| Loan and lease loss provision to assets | 0.1292% | 1,813 |
| Net operating income to assets | 0.8385% | 3,200 |
| Return on assets (ROA) | 0.8385% | 3,322 |
| Pretax return on assets | 1.4705% | 1,805 |
| Return on Equity (ROE) | 7.2226% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.2226% | 1,515 |
| Net charge-offs to loans | 0.0588% | 2,510 |
| Credit loss provision to net charge-offs | 283.4862% | 1,087 |
| Earnings coverage of net charge-offs (x) | 35.1008% | 1,342 |
| Efficiency ratio | 61.2425% | 4,344 |
| Assets per employee ($millions) | 6.2759% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 5,109 |
| Loan loss allowance to noncurrent loans | 281.6435% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 3,908 |
| Noncurrent loans to loans | 0.2938% | 4,205 |
| Net loans and leases to total assets | 78.0339% | 1,188 |
| Net loans and leases to deposits | 89.5593% | 1,814 |
| Net loans and leases to core deposits | 105.1975% | 1,262 |
| Total domestic deposits to total assets | 87.1310% | 1,833 |
| Equity capital to assets | 11.6475% | 2,403 |
| Core capital (leverage) ratio | 11.1789% | 2,287 |
| Tier 1 risk-based capital ratio | 13.0506% | 4,132 |
| Total risk-based capital ratio | 13.8873% | 4,293 |
| Memoranda: | ||
| Average total assets | $637,788,500 | 1,108 |
| Average earning assets | $604,077,750 | 1,084 |
| Average equity | $74,043,250 | 1,079 |
| Average total loans | $494,280,000 | 983 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 766 |
| Cost of funding earning assets | 0.4671% | 2,406 |
| Net interest margin | 4.4074% | 754 |
| Noninterest income to average assets | 0.2099% | 5,239 |
| Noninterest expense to average assets | 2.7139% | 3,345 |
| Loan and lease loss provision to assets | 0.1144% | 1,974 |
| Net operating income to assets | 0.8862% | 2,930 |
| Return on assets (ROA) | 0.8862% | 3,052 |
| Pretax return on assets | 1.5508% | 1,525 |
| Return on Equity (ROE) | 7.6420% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.6420% | 1,317 |
| Net charge-offs to loans | -0.0033% | 4,447 |
| Credit loss provision to net charge-offs | -4,525.0000% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4576% | 4,584 |
| Assets per employee ($millions) | 6.0545% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 5,176 |
| Loan loss allowance to noncurrent loans | 209.1179% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,240 |
| Noncurrent loans to loans | 0.3996% | 3,926 |
| Net loans and leases to total assets | 78.0301% | 1,200 |
| Net loans and leases to deposits | 93.4878% | 1,341 |
| Net loans and leases to core deposits | 107.2211% | 1,080 |
| Total domestic deposits to total assets | 83.4655% | 3,476 |
| Equity capital to assets | 11.6172% | 2,428 |
| Core capital (leverage) ratio | 11.0594% | 2,376 |
| Tier 1 risk-based capital ratio | 12.8182% | 4,301 |
| Total risk-based capital ratio | 13.6519% | 4,505 |
| Memoranda: | ||
| Average total assets | $632,820,670 | 1,122 |
| Average earning assets | $598,630,000 | 1,092 |
| Average equity | $73,383,670 | 1,087 |
| Average total loans | $487,849,670 | 1,000 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 857 |
| Cost of funding earning assets | 0.4625% | 2,442 |
| Net interest margin | 4.3323% | 864 |
| Noninterest income to average assets | 0.2215% | 5,152 |
| Noninterest expense to average assets | 2.8239% | 2,978 |
| Loan and lease loss provision to assets | -0.0025% | 5,865 |
| Net operating income to assets | 0.8588% | 2,953 |
| Return on assets (ROA) | 0.8588% | 3,068 |
| Pretax return on assets | 1.5030% | 1,574 |
| Return on Equity (ROE) | 7.4123% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.4123% | 1,700 |
| Net charge-offs to loans | -0.0033% | 4,196 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7568% | 4,162 |
| Assets per employee ($millions) | 6.1455% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 5,421 |
| Loan loss allowance to noncurrent loans | 734.7328% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 5,252 |
| Noncurrent loans to loans | 0.1061% | 5,051 |
| Net loans and leases to total assets | 77.4497% | 1,175 |
| Net loans and leases to deposits | 88.6609% | 1,741 |
| Net loans and leases to core deposits | 100.1563% | 1,473 |
| Total domestic deposits to total assets | 87.3550% | 2,026 |
| Equity capital to assets | 11.5666% | 2,377 |
| Core capital (leverage) ratio | 10.6956% | 2,734 |
| Tier 1 risk-based capital ratio | 12.7912% | 4,404 |
| Total risk-based capital ratio | 13.5707% | 4,610 |
| Memoranda: | ||
| Average total assets | $628,344,000 | 1,127 |
| Average earning assets | $595,067,500 | 1,092 |
| Average equity | $72,797,500 | 1,089 |
| Average total loans | $479,276,000 | 1,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,421 |
| Cost of funding earning assets | 0.4777% | 2,372 |
| Net interest margin | 4.0882% | 1,442 |
| Noninterest income to average assets | 1.1353% | 921 |
| Noninterest expense to average assets | 3.2089% | 1,947 |
| Loan and lease loss provision to assets | 0.2371% | 816 |
| Net operating income to assets | 1.2511% | 1,384 |
| Return on assets (ROA) | 1.2511% | 1,438 |
| Pretax return on assets | 1.5384% | 1,442 |
| Return on Equity (ROE) | 10.5668% | 1,772 |
| Retained earnings to average equity (ytd only) | 10.5668% | 389 |
| Net charge-offs to loans | 0.0154% | 3,980 |
| Credit loss provision to net charge-offs | 2,277.4194% | 150 |
| Earnings coverage of net charge-offs (x) | 170.5645% | 383 |
| Efficiency ratio | 62.8672% | 4,465 |
| Assets per employee ($millions) | 6.0554% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 5,329 |
| Loan loss allowance to noncurrent loans | 1,152.6946% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,458 |
| Noncurrent loans to loans | 0.0719% | 5,220 |
| Net loans and leases to total assets | 73.8504% | 1,756 |
| Net loans and leases to deposits | 84.7791% | 2,271 |
| Net loans and leases to core deposits | 95.3101% | 1,906 |
| Total domestic deposits to total assets | 87.1093% | 2,070 |
| Equity capital to assets | 11.6049% | 2,276 |
| Core capital (leverage) ratio | 10.5873% | 2,834 |
| Tier 1 risk-based capital ratio | 13.3011% | 4,104 |
| Total risk-based capital ratio | 14.1256% | 4,299 |
| Memoranda: | ||
| Average total assets | $595,622,000 | 1,144 |
| Average earning assets | $560,788,600 | 1,122 |
| Average equity | $70,523,000 | 1,085 |
| Average total loans | $402,998,800 | 1,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,485 |
| Cost of funding earning assets | 0.4780% | 2,427 |
| Net interest margin | 4.0619% | 1,524 |
| Noninterest income to average assets | 1.9327% | 379 |
| Noninterest expense to average assets | 3.3663% | 1,542 |
| Loan and lease loss provision to assets | 0.2061% | 964 |
| Net operating income to assets | 1.9193% | 412 |
| Return on assets (ROA) | 1.9193% | 431 |
| Pretax return on assets | 2.1789% | 437 |
| Return on Equity (ROE) | 16.1251% | 571 |
| Retained earnings to average equity (ytd only) | 16.1251% | 126 |
| Net charge-offs to loans | 0.0292% | 3,348 |
| Credit loss provision to net charge-offs | 1,070.5882% | 347 |
| Earnings coverage of net charge-offs (x) | 123.8712% | 521 |
| Efficiency ratio | 57.1761% | 5,208 |
| Assets per employee ($millions) | 5.9438% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,537 |
| Loan loss allowance to noncurrent loans | 977.9412% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 4,640 |
| Noncurrent loans to loans | 0.0810% | 5,303 |
| Net loans and leases to total assets | 66.1245% | 2,987 |
| Net loans and leases to deposits | 76.3411% | 3,265 |
| Net loans and leases to core deposits | 86.3868% | 2,810 |
| Total domestic deposits to total assets | 86.6172% | 2,231 |
| Equity capital to assets | 12.0989% | 2,030 |
| Core capital (leverage) ratio | 11.4842% | 2,053 |
| Tier 1 risk-based capital ratio | 15.5385% | 3,030 |
| Total risk-based capital ratio | 16.3318% | 3,190 |
| Memoranda: | ||
| Average total assets | $588,601,500 | 1,164 |
| Average earning assets | $553,361,500 | 1,143 |
| Average equity | $70,058,750 | 1,091 |
| Average total loans | $387,634,000 | 1,188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,698 |
| Cost of funding earning assets | 0.4802% | 2,431 |
| Net interest margin | 3.9666% | 1,751 |
| Noninterest income to average assets | 2.8289% | 230 |
| Noninterest expense to average assets | 3.6706% | 1,025 |
| Loan and lease loss provision to assets | 0.2436% | 735 |
| Net operating income to assets | 2.5321% | 165 |
| Return on assets (ROA) | 2.5321% | 172 |
| Pretax return on assets | 2.6455% | 204 |
| Return on Equity (ROE) | 21.4022% | 218 |
| Retained earnings to average equity (ytd only) | 21.4022% | 69 |
| Net charge-offs to loans | 0.0531% | 2,659 |
| Credit loss provision to net charge-offs | 700.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 83.0300% | 687 |
| Efficiency ratio | 54.7687% | 5,523 |
| Assets per employee ($millions) | 5.7172% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 5,655 |
| Loan loss allowance to noncurrent loans | 911.7647% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 4,699 |
| Noncurrent loans to loans | 0.0850% | 5,402 |
| Net loans and leases to total assets | 65.5296% | 3,036 |
| Net loans and leases to deposits | 75.7459% | 3,297 |
| Net loans and leases to core deposits | 86.2954% | 2,735 |
| Total domestic deposits to total assets | 86.5123% | 2,432 |
| Equity capital to assets | 12.2164% | 1,862 |
| Core capital (leverage) ratio | 11.3177% | 2,150 |
| Tier 1 risk-based capital ratio | 16.0767% | 2,817 |
| Total risk-based capital ratio | 16.8718% | 2,993 |
| Memoranda: | ||
| Average total assets | $574,789,000 | 1,195 |
| Average earning assets | $540,608,000 | 1,173 |
| Average equity | $68,002,330 | 1,129 |
| Average total loans | $376,867,000 | 1,222 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 2,221 |
| Cost of funding earning assets | 0.4772% | 2,483 |
| Net interest margin | 3.7861% | 2,274 |
| Noninterest income to average assets | 4.7263% | 138 |
| Noninterest expense to average assets | 4.2019% | 555 |
| Loan and lease loss provision to assets | 0.3019% | 480 |
| Net operating income to assets | 3.8550% | 63 |
| Return on assets (ROA) | 3.8550% | 65 |
| Pretax return on assets | 3.7870% | 93 |
| Return on Equity (ROE) | 33.1700% | 45 |
| Retained earnings to average equity (ytd only) | 33.1700% | 20 |
| Net charge-offs to loans | 0.0241% | 2,681 |
| Credit loss provision to net charge-offs | 1,918.1818% | 207 |
| Earnings coverage of net charge-offs (x) | 259.8182% | 220 |
| Efficiency ratio | 49.8619% | 5,923 |
| Assets per employee ($millions) | 5.9607% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7161% | 5,873 |
| Loan loss allowance to noncurrent loans | 496.5753% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 4,615 |
| Noncurrent loans to loans | 0.1442% | 5,265 |
| Net loans and leases to total assets | 65.4885% | 2,852 |
| Net loans and leases to deposits | 75.7519% | 3,083 |
| Net loans and leases to core deposits | 86.0648% | 2,543 |
| Total domestic deposits to total assets | 86.4513% | 2,693 |
| Equity capital to assets | 11.6945% | 2,297 |
| Core capital (leverage) ratio | 11.8746% | 1,719 |
| Tier 1 risk-based capital ratio | 15.5021% | 3,143 |
| Total risk-based capital ratio | 16.1957% | 3,389 |
| Memoranda: | ||
| Average total assets | $559,173,000 | 1,237 |
| Average earning assets | $526,448,500 | 1,214 |
| Average equity | $64,986,500 | 1,178 |
| Average total loans | $365,189,000 | 1,254 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,450 |
| Cost of funding earning assets | 0.5445% | 2,250 |
| Net interest margin | 4.0940% | 1,597 |
| Noninterest income to average assets | 0.7240% | 2,195 |
| Noninterest expense to average assets | 2.8478% | 3,317 |
| Loan and lease loss provision to assets | 0.2430% | 962 |
| Net operating income to assets | 1.1556% | 1,746 |
| Return on assets (ROA) | 1.1715% | 1,745 |
| Pretax return on assets | 1.5600% | 1,354 |
| Return on Equity (ROE) | 9.4307% | 2,370 |
| Retained earnings to average equity (ytd only) | 9.4307% | 618 |
| Net charge-offs to loans | 0.4428% | 951 |
| Credit loss provision to net charge-offs | 79.6145% | 2,874 |
| Earnings coverage of net charge-offs (x) | 5.8377% | 3,342 |
| Efficiency ratio | 60.1945% | 5,194 |
| Assets per employee ($millions) | 6.4666% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 5,849 |
| Loan loss allowance to noncurrent loans | 292.0561% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 3,829 |
| Noncurrent loans to loans | 0.2631% | 4,900 |
| Net loans and leases to total assets | 64.0194% | 3,223 |
| Net loans and leases to deposits | 73.7332% | 3,471 |
| Net loans and leases to core deposits | 86.1973% | 2,663 |
| Total domestic deposits to total assets | 86.8257% | 2,374 |
| Equity capital to assets | 11.5335% | 2,405 |
| Core capital (leverage) ratio | 10.6689% | 2,752 |
| Tier 1 risk-based capital ratio | 15.7758% | 3,080 |
| Total risk-based capital ratio | 16.5038% | 3,295 |
| Memoranda: | ||
| Average total assets | $441,997,000 | 1,506 |
| Average earning assets | $421,646,000 | 1,455 |
| Average equity | $54,905,600 | 1,329 |
| Average total loans | $304,635,400 | 1,411 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 1,715 |
| Cost of funding earning assets | 0.5538% | 2,253 |
| Net interest margin | 3.9909% | 1,910 |
| Noninterest income to average assets | 0.9199% | 1,451 |
| Noninterest expense to average assets | 2.9543% | 2,949 |
| Loan and lease loss provision to assets | 0.3246% | 575 |
| Net operating income to assets | 1.1954% | 1,690 |
| Return on assets (ROA) | 1.2195% | 1,670 |
| Pretax return on assets | 1.4784% | 1,718 |
| Return on Equity (ROE) | 9.6136% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.6136% | 803 |
| Net charge-offs to loans | 0.5178% | 744 |
| Credit loss provision to net charge-offs | 89.2519% | 2,448 |
| Earnings coverage of net charge-offs (x) | 4.8770% | 3,359 |
| Efficiency ratio | 61.3757% | 4,981 |
| Assets per employee ($millions) | 6.7140% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 5,918 |
| Loan loss allowance to noncurrent loans | 243.1193% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 3,978 |
| Noncurrent loans to loans | 0.3215% | 4,946 |
| Net loans and leases to total assets | 66.7981% | 2,720 |
| Net loans and leases to deposits | 81.2070% | 2,520 |
| Net loans and leases to core deposits | 98.5379% | 1,487 |
| Total domestic deposits to total assets | 82.2565% | 4,391 |
| Equity capital to assets | 11.2349% | 2,720 |
| Core capital (leverage) ratio | 10.6603% | 2,850 |
| Tier 1 risk-based capital ratio | 14.5522% | 3,856 |
| Total risk-based capital ratio | 15.2900% | 4,125 |
| Memoranda: | ||
| Average total assets | $426,398,500 | 1,570 |
| Average earning assets | $406,850,500 | 1,513 |
| Average equity | $54,088,500 | 1,359 |
| Average total loans | $299,442,250 | 1,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,217 |
| Cost of funding earning assets | 0.5723% | 2,144 |
| Net interest margin | 3.8152% | 2,510 |
| Noninterest income to average assets | 1.1895% | 828 |
| Noninterest expense to average assets | 3.2260% | 2,114 |
| Loan and lease loss provision to assets | 0.4472% | 361 |
| Net operating income to assets | 1.1245% | 1,839 |
| Return on assets (ROA) | 1.1700% | 1,753 |
| Pretax return on assets | 1.2069% | 2,643 |
| Return on Equity (ROE) | 8.8020% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.8020% | 1,049 |
| Net charge-offs to loans | 0.8007% | 475 |
| Credit loss provision to net charge-offs | 78.1850% | 2,354 |
| Earnings coverage of net charge-offs (x) | 2.8098% | 3,461 |
| Efficiency ratio | 66.0849% | 4,354 |
| Assets per employee ($millions) | 7.2784% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 6,092 |
| Loan loss allowance to noncurrent loans | 104.0379% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 3,572 |
| Noncurrent loans to loans | 0.7168% | 3,912 |
| Net loans and leases to total assets | 65.9575% | 2,753 |
| Net loans and leases to deposits | 75.1430% | 3,172 |
| Net loans and leases to core deposits | 88.9450% | 2,214 |
| Total domestic deposits to total assets | 87.7759% | 2,049 |
| Equity capital to assets | 10.7192% | 3,180 |
| Core capital (leverage) ratio | 10.3412% | 3,151 |
| Tier 1 risk-based capital ratio | 13.9531% | 4,283 |
| Total risk-based capital ratio | 14.6578% | 4,593 |
| Memoranda: | ||
| Average total assets | $400,681,670 | 1,656 |
| Average earning assets | $382,675,670 | 1,604 |
| Average equity | $53,260,330 | 1,369 |
| Average total loans | $286,252,670 | 1,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 1,767 |
| Cost of funding earning assets | 0.6130% | 1,871 |
| Net interest margin | 3.9018% | 2,079 |
| Noninterest income to average assets | 0.1190% | 6,250 |
| Noninterest expense to average assets | 2.5702% | 4,378 |
| Loan and lease loss provision to assets | 0.2588% | 819 |
| Net operating income to assets | 0.6053% | 4,173 |
| Return on assets (ROA) | 0.6053% | 4,249 |
| Pretax return on assets | 1.0327% | 3,202 |
| Return on Equity (ROE) | 3.9860% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.9860% | 3,724 |
| Net charge-offs to loans | 0.9443% | 367 |
| Credit loss provision to net charge-offs | 36.4821% | 2,337 |
| Earnings coverage of net charge-offs (x) | 1.8208% | 3,013 |
| Efficiency ratio | 66.0485% | 4,520 |
| Assets per employee ($millions) | 6.8677% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 5,883 |
| Loan loss allowance to noncurrent loans | 117.0839% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1469% | 2,965 |
| Noncurrent loans to loans | 0.7649% | 3,955 |
| Net loans and leases to total assets | 75.3520% | 1,081 |
| Net loans and leases to deposits | 89.6536% | 1,194 |
| Net loans and leases to core deposits | 110.5941% | 565 |
| Total domestic deposits to total assets | 84.0479% | 4,259 |
| Equity capital to assets | 15.0879% | 652 |
| Core capital (leverage) ratio | 15.5915% | 529 |
| Tier 1 risk-based capital ratio | 19.7912% | 1,772 |
| Total risk-based capital ratio | 20.6852% | 1,819 |
| Memoranda: | ||
| Average total assets | $346,279,500 | 1,896 |
| Average earning assets | $332,157,500 | 1,816 |
| Average equity | $52,584,000 | 1,375 |
| Average total loans | $260,094,500 | 1,633 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7859% | 1,350 |
| Cost of funding earning assets | 0.6418% | 2,280 |
| Net interest margin | 4.1440% | 1,524 |
| Noninterest income to average assets | 0.1877% | 5,965 |
| Noninterest expense to average assets | 2.6454% | 4,295 |
| Loan and lease loss provision to assets | 0.1072% | 3,005 |
| Net operating income to assets | 0.8289% | 3,139 |
| Return on assets (ROA) | 0.8289% | 3,226 |
| Pretax return on assets | 1.4141% | 1,736 |
| Return on Equity (ROE) | 5.1969% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.1969% | 2,477 |
| Net charge-offs to loans | 0.1132% | 3,685 |
| Credit loss provision to net charge-offs | 127.4725% | 1,844 |
| Earnings coverage of net charge-offs (x) | 18.0842% | 1,677 |
| Efficiency ratio | 62.9715% | 5,062 |
| Assets per employee ($millions) | 6.9858% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,191 |
| Loan loss allowance to noncurrent loans | 338.8278% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 3,803 |
| Noncurrent loans to loans | 0.3226% | 5,216 |
| Net loans and leases to total assets | 73.3573% | 1,462 |
| Net loans and leases to deposits | 87.6567% | 1,503 |
| Net loans and leases to core deposits | 108.3012% | 681 |
| Total domestic deposits to total assets | 83.6870% | 4,286 |
| Equity capital to assets | 15.2852% | 626 |
| Core capital (leverage) ratio | 15.6496% | 520 |
| Tier 1 risk-based capital ratio | 19.4948% | 1,789 |
| Total risk-based capital ratio | 20.5299% | 1,806 |
| Memoranda: | ||
| Average total assets | $324,524,400 | 1,982 |
| Average earning assets | $311,604,200 | 1,903 |
| Average equity | $51,761,600 | 1,373 |
| Average total loans | $241,257,400 | 1,718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,529 |
| Cost of funding earning assets | 0.6527% | 2,341 |
| Net interest margin | 4.0735% | 1,710 |
| Noninterest income to average assets | 0.1929% | 6,018 |
| Noninterest expense to average assets | 2.6476% | 4,210 |
| Loan and lease loss provision to assets | 0.1075% | 2,966 |
| Net operating income to assets | 0.7915% | 3,391 |
| Return on assets (ROA) | 0.7915% | 3,521 |
| Pretax return on assets | 1.3505% | 2,126 |
| Return on Equity (ROE) | 4.9074% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.9074% | 3,146 |
| Net charge-offs to loans | -0.0235% | 6,099 |
| Credit loss provision to net charge-offs | -614.2857% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9610% | 4,802 |
| Assets per employee ($millions) | 7.1126% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,903 |
| Loan loss allowance to noncurrent loans | 121.7039% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3769% | 2,898 |
| Noncurrent loans to loans | 0.9790% | 3,853 |
| Net loans and leases to total assets | 76.0393% | 998 |
| Net loans and leases to deposits | 91.6856% | 1,006 |
| Net loans and leases to core deposits | 115.1254% | 419 |
| Total domestic deposits to total assets | 82.9348% | 4,597 |
| Equity capital to assets | 16.0685% | 543 |
| Core capital (leverage) ratio | 16.3511% | 445 |
| Tier 1 risk-based capital ratio | 19.8581% | 1,768 |
| Total risk-based capital ratio | 20.9934% | 1,766 |
| Memoranda: | ||
| Average total assets | $320,079,500 | 2,017 |
| Average earning assets | $307,442,000 | 1,934 |
| Average equity | $51,621,500 | 1,385 |
| Average total loans | $238,101,750 | 1,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 1,664 |
| Cost of funding earning assets | 0.6638% | 2,372 |
| Net interest margin | 4.0012% | 1,850 |
| Noninterest income to average assets | 0.1951% | 6,040 |
| Noninterest expense to average assets | 2.5998% | 4,389 |
| Loan and lease loss provision to assets | 0.0925% | 3,241 |
| Net operating income to assets | 0.7969% | 3,312 |
| Return on assets (ROA) | 0.7969% | 3,468 |
| Pretax return on assets | 1.3578% | 2,090 |
| Return on Equity (ROE) | 4.9353% | 4,761 |
| Retained earnings to average equity (ytd only) | 4.9353% | 3,093 |
| Net charge-offs to loans | 0.0403% | 4,114 |
| Credit loss provision to net charge-offs | 312.7660% | 823 |
| Earnings coverage of net charge-offs (x) | 49.0213% | 811 |
| Efficiency ratio | 63.6463% | 4,919 |
| Assets per employee ($millions) | 7.0804% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,253 |
| Loan loss allowance to noncurrent loans | 150.7808% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1965% | 3,350 |
| Noncurrent loans to loans | 0.7612% | 4,397 |
| Net loans and leases to total assets | 74.0429% | 1,240 |
| Net loans and leases to deposits | 89.0851% | 1,218 |
| Net loans and leases to core deposits | 106.4532% | 716 |
| Total domestic deposits to total assets | 83.1148% | 4,658 |
| Equity capital to assets | 15.9466% | 528 |
| Core capital (leverage) ratio | 16.1004% | 452 |
| Tier 1 risk-based capital ratio | 19.7378% | 1,784 |
| Total risk-based capital ratio | 20.8260% | 1,808 |
| Memoranda: | ||
| Average total assets | $317,712,330 | 2,034 |
| Average earning assets | $306,105,330 | 1,954 |
| Average equity | $51,304,330 | 1,394 |
| Average total loans | $233,540,330 | 1,763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,893 |
| Cost of funding earning assets | 0.6797% | 2,391 |
| Net interest margin | 3.9011% | 2,118 |
| Noninterest income to average assets | 0.1862% | 6,142 |
| Noninterest expense to average assets | 2.5641% | 4,516 |
| Loan and lease loss provision to assets | 0.0140% | 4,277 |
| Net operating income to assets | 0.8045% | 3,135 |
| Return on assets (ROA) | 0.8045% | 3,269 |
| Pretax return on assets | 1.3694% | 1,972 |
| Return on Equity (ROE) | 4.9502% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.9502% | 3,267 |
| Net charge-offs to loans | 0.0193% | 3,770 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 98.6364% | 385 |
| Efficiency ratio | 64.4057% | 4,941 |
| Assets per employee ($millions) | 6.4761% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 5,281 |
| Loan loss allowance to noncurrent loans | 108.3032% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 4,367 |
| Noncurrent loans to loans | 1.0862% | 3,979 |
| Net loans and leases to total assets | 72.9665% | 1,208 |
| Net loans and leases to deposits | 88.3665% | 1,109 |
| Net loans and leases to core deposits | 107.4264% | 584 |
| Total domestic deposits to total assets | 82.5726% | 4,999 |
| Equity capital to assets | 16.5038% | 491 |
| Core capital (leverage) ratio | 16.0282% | 451 |
| Tier 1 risk-based capital ratio | 20.7446% | 1,601 |
| Total risk-based capital ratio | 21.8558% | 1,602 |
| Memoranda: | ||
| Average total assets | $313,719,000 | 2,090 |
| Average earning assets | $302,475,000 | 1,992 |
| Average equity | $50,987,500 | 1,424 |
| Average total loans | $228,332,000 | 1,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 1,072 |
| Cost of funding earning assets | 0.7935% | 2,720 |
| Net interest margin | 4.4304% | 1,089 |
| Noninterest income to average assets | 0.1900% | 6,045 |
| Noninterest expense to average assets | 2.6283% | 4,650 |
| Loan and lease loss provision to assets | 0.5050% | 1,171 |
| Net operating income to assets | 0.7338% | 3,591 |
| Return on assets (ROA) | 0.7338% | 3,831 |
| Pretax return on assets | 1.3095% | 2,361 |
| Return on Equity (ROE) | 4.3546% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.3546% | 3,164 |
| Net charge-offs to loans | 0.5488% | 2,090 |
| Credit loss provision to net charge-offs | 120.2758% | 2,384 |
| Earnings coverage of net charge-offs (x) | 4.3220% | 3,411 |
| Efficiency ratio | 58.3614% | 5,779 |
| Assets per employee ($millions) | 6.8822% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 5,166 |
| Loan loss allowance to noncurrent loans | 106.0487% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 4,343 |
| Noncurrent loans to loans | 1.1209% | 3,968 |
| Net loans and leases to total assets | 70.8958% | 1,666 |
| Net loans and leases to deposits | 85.9267% | 1,526 |
| Net loans and leases to core deposits | 104.2892% | 776 |
| Total domestic deposits to total assets | 82.5073% | 4,928 |
| Equity capital to assets | 16.0059% | 554 |
| Core capital (leverage) ratio | 15.5021% | 506 |
| Tier 1 risk-based capital ratio | 20.5352% | 1,556 |
| Total risk-based capital ratio | 21.6514% | 1,554 |
| Memoranda: | ||
| Average total assets | $293,692,000 | 2,180 |
| Average earning assets | $281,914,600 | 2,088 |
| Average equity | $49,488,400 | 1,433 |
| Average total loans | $224,682,200 | 1,807 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 954 |
| Cost of funding earning assets | 0.8049% | 2,900 |
| Net interest margin | 4.5272% | 941 |
| Noninterest income to average assets | 0.2264% | 5,934 |
| Noninterest expense to average assets | 2.7113% | 4,313 |
| Loan and lease loss provision to assets | 0.5186% | 1,163 |
| Net operating income to assets | 0.7093% | 3,877 |
| Return on assets (ROA) | 0.7093% | 4,113 |
| Pretax return on assets | 1.3404% | 2,449 |
| Return on Equity (ROE) | 4.1523% | 5,232 |
| Retained earnings to average equity (ytd only) | 4.1523% | 3,980 |
| Net charge-offs to loans | 0.3094% | 2,895 |
| Credit loss provision to net charge-offs | 215.3846% | 1,291 |
| Earnings coverage of net charge-offs (x) | 7.7211% | 2,566 |
| Efficiency ratio | 58.4439% | 5,728 |
| Assets per employee ($millions) | 7.5352% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 4,829 |
| Loan loss allowance to noncurrent loans | 322.7513% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,742 |
| Noncurrent loans to loans | 0.4019% | 5,650 |
| Net loans and leases to total assets | 73.3402% | 1,344 |
| Net loans and leases to deposits | 88.2271% | 1,322 |
| Net loans and leases to core deposits | 106.6012% | 709 |
| Total domestic deposits to total assets | 83.1266% | 4,594 |
| Equity capital to assets | 15.8143% | 640 |
| Core capital (leverage) ratio | 16.5773% | 420 |
| Tier 1 risk-based capital ratio | 19.5607% | 1,865 |
| Total risk-based capital ratio | 20.7857% | 1,844 |
| Memoranda: | ||
| Average total assets | $287,969,250 | 2,246 |
| Average earning assets | $276,310,750 | 2,148 |
| Average equity | $49,192,500 | 1,449 |
| Average total loans | $224,066,750 | 1,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3676% | 929 |
| Cost of funding earning assets | 0.8468% | 2,821 |
| Net interest margin | 4.5208% | 955 |
| Noninterest income to average assets | 0.2140% | 6,037 |
| Noninterest expense to average assets | 2.8032% | 4,010 |
| Loan and lease loss provision to assets | 0.6162% | 949 |
| Net operating income to assets | 0.5667% | 4,507 |
| Return on assets (ROA) | 0.5667% | 4,787 |
| Pretax return on assets | 1.1233% | 3,217 |
| Return on Equity (ROE) | 3.2265% | 5,593 |
| Retained earnings to average equity (ytd only) | 3.2265% | 4,462 |
| Net charge-offs to loans | 0.4747% | 2,166 |
| Credit loss provision to net charge-offs | 164.0535% | 1,696 |
| Earnings coverage of net charge-offs (x) | 4.6310% | 3,032 |
| Efficiency ratio | 60.6166% | 5,484 |
| Assets per employee ($millions) | 6.5203% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,397 |
| Loan loss allowance to noncurrent loans | 292.2350% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 5,655 |
| Noncurrent loans to loans | 0.4076% | 5,719 |
| Net loans and leases to total assets | 82.3936% | 312 |
| Net loans and leases to deposits | 101.3242% | 370 |
| Net loans and leases to core deposits | 124.1387% | 257 |
| Total domestic deposits to total assets | 81.3168% | 5,358 |
| Equity capital to assets | 17.5861% | 380 |
| Core capital (leverage) ratio | 17.2503% | 340 |
| Tier 1 risk-based capital ratio | 19.3871% | 1,879 |
| Total risk-based capital ratio | 20.5273% | 1,870 |
| Memoranda: | ||
| Average total assets | $278,465,670 | 2,306 |
| Average earning assets | $266,636,670 | 2,213 |
| Average equity | $48,907,000 | 1,448 |
| Average total loans | $220,370,000 | 1,848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 1,495 |
| Cost of funding earning assets | 0.8817% | 2,823 |
| Net interest margin | 4.2489% | 1,611 |
| Noninterest income to average assets | 0.1859% | 6,268 |
| Noninterest expense to average assets | 2.8078% | 3,998 |
| Loan and lease loss provision to assets | 0.3229% | 1,945 |
| Net operating income to assets | 0.5477% | 4,608 |
| Return on assets (ROA) | 0.5477% | 4,821 |
| Pretax return on assets | 1.1257% | 3,217 |
| Return on Equity (ROE) | 3.1207% | 5,672 |
| Retained earnings to average equity (ytd only) | 3.1207% | 4,691 |
| Net charge-offs to loans | -0.0131% | 6,033 |
| Credit loss provision to net charge-offs | -3,200.0000% | 6,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6800% | 4,801 |
| Assets per employee ($millions) | 6.7955% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,274 |
| Loan loss allowance to noncurrent loans | 163.9755% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 5,193 |
| Noncurrent loans to loans | 0.7598% | 5,143 |
| Net loans and leases to total assets | 74.4593% | 989 |
| Net loans and leases to deposits | 90.2311% | 946 |
| Net loans and leases to core deposits | 111.2434% | 490 |
| Total domestic deposits to total assets | 82.5206% | 5,119 |
| Equity capital to assets | 17.1321% | 409 |
| Core capital (leverage) ratio | 17.1585% | 344 |
| Tier 1 risk-based capital ratio | 21.0163% | 1,494 |
| Total risk-based capital ratio | 22.2133% | 1,472 |
| Memoranda: | ||
| Average total assets | $277,511,000 | 2,329 |
| Average earning assets | $265,857,500 | 2,233 |
| Average equity | $48,707,000 | 1,450 |
| Average total loans | $213,657,000 | 1,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5985% | 957 |
| Cost of funding earning assets | 0.9024% | 4,096 |
| Net interest margin | 4.6960% | 762 |
| Noninterest income to average assets | 4.1126% | 149 |
| Noninterest expense to average assets | 3.9252% | 1,147 |
| Loan and lease loss provision to assets | 0.8758% | 1,107 |
| Net operating income to assets | 3.7970% | 54 |
| Return on assets (ROA) | 3.7970% | 55 |
| Pretax return on assets | 3.8068% | 81 |
| Return on Equity (ROE) | 19.9711% | 262 |
| Retained earnings to average equity (ytd only) | 19.9711% | 48 |
| Net charge-offs to loans | 1.0180% | 1,714 |
| Credit loss provision to net charge-offs | 105.3059% | 3,254 |
| Earnings coverage of net charge-offs (x) | 5.6305% | 2,728 |
| Efficiency ratio | 45.0576% | 7,087 |
| Assets per employee ($millions) | 6.5759% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,603 |
| Loan loss allowance to noncurrent loans | 180.8118% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 4,951 |
| Noncurrent loans to loans | 0.6388% | 5,434 |
| Net loans and leases to total assets | 77.7669% | 736 |
| Net loans and leases to deposits | 95.3838% | 720 |
| Net loans and leases to core deposits | 119.7555% | 359 |
| Total domestic deposits to total assets | 81.5304% | 5,284 |
| Equity capital to assets | 17.9952% | 350 |
| Core capital (leverage) ratio | 20.5740% | 177 |
| Tier 1 risk-based capital ratio | 20.8730% | 1,439 |
| Total risk-based capital ratio | 21.9753% | 1,445 |
| Memoranda: | ||
| Average total assets | $192,626,800 | 3,153 |
| Average earning assets | $184,389,600 | 3,034 |
| Average equity | $36,623,000 | 1,839 |
| Average total loans | $157,373,400 | 2,535 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6172% | 1,001 |
| Cost of funding earning assets | 0.8777% | 4,566 |
| Net interest margin | 4.7395% | 700 |
| Noninterest income to average assets | 0.2468% | 5,854 |
| Noninterest expense to average assets | 3.0806% | 3,233 |
| Loan and lease loss provision to assets | 1.0435% | 807 |
| Net operating income to assets | 0.3937% | 5,029 |
| Return on assets (ROA) | 0.3937% | 5,211 |
| Pretax return on assets | 0.6613% | 4,605 |
| Return on Equity (ROE) | 2.0287% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.0287% | 5,122 |
| Net charge-offs to loans | 1.3752% | 1,102 |
| Credit loss provision to net charge-offs | 91.5655% | 3,723 |
| Earnings coverage of net charge-offs (x) | 1.4960% | 4,514 |
| Efficiency ratio | 63.3939% | 5,164 |
| Assets per employee ($millions) | 5.6981% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 4,439 |
| Loan loss allowance to noncurrent loans | 452.5253% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.8493% | 5,058 |
| Noncurrent loans to loans | 0.3150% | 6,217 |
| Net loans and leases to total assets | 82.3874% | 324 |
| Net loans and leases to deposits | 101.0087% | 428 |
| Net loans and leases to core deposits | 128.1458% | 266 |
| Total domestic deposits to total assets | 81.5647% | 5,232 |
| Equity capital to assets | 18.0886% | 377 |
| Core capital (leverage) ratio | 19.5234% | 240 |
| Tier 1 risk-based capital ratio | 20.9966% | 1,454 |
| Total risk-based capital ratio | 22.2542% | 1,432 |
| Memoranda: | ||
| Average total assets | $173,380,750 | 3,458 |
| Average earning assets | $166,034,750 | 3,320 |
| Average equity | $33,649,500 | 1,986 |
| Average total loans | $143,687,250 | 2,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 1,171 |
| Cost of funding earning assets | 0.8879% | 4,773 |
| Net interest margin | 4.6646% | 794 |
| Noninterest income to average assets | 0.3335% | 5,223 |
| Noninterest expense to average assets | 3.0838% | 3,315 |
| Loan and lease loss provision to assets | 1.3152% | 564 |
| Net operating income to assets | 0.2326% | 5,626 |
| Return on assets (ROA) | 0.2326% | 5,743 |
| Pretax return on assets | 0.4059% | 5,375 |
| Return on Equity (ROE) | 1.1692% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.1692% | 5,394 |
| Net charge-offs to loans | 2.0087% | 666 |
| Credit loss provision to net charge-offs | 79.2561% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.0372% | 4,513 |
| Efficiency ratio | 63.1917% | 5,373 |
| Assets per employee ($millions) | 5.2694% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 4,420 |
| Loan loss allowance to noncurrent loans | 212.6025% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 4,770 |
| Noncurrent loans to loans | 0.6748% | 5,556 |
| Net loans and leases to total assets | 84.5458% | 208 |
| Net loans and leases to deposits | 106.3753% | 255 |
| Net loans and leases to core deposits | 135.9585% | 212 |
| Total domestic deposits to total assets | 79.4788% | 5,956 |
| Equity capital to assets | 19.9833% | 259 |
| Core capital (leverage) ratio | 20.0976% | 218 |
| Tier 1 risk-based capital ratio | 22.7335% | 1,159 |
| Total risk-based capital ratio | 23.9919% | 1,139 |
| Memoranda: | ||
| Average total assets | $168,495,670 | 3,564 |
| Average earning assets | $161,512,670 | 3,417 |
| Average equity | $33,528,330 | 1,977 |
| Average total loans | $139,197,000 | 2,860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 1,460 |
| Cost of funding earning assets | 0.8817% | 5,056 |
| Net interest margin | 4.5544% | 952 |
| Noninterest income to average assets | 0.3705% | 4,945 |
| Noninterest expense to average assets | 2.9424% | 3,880 |
| Loan and lease loss provision to assets | 2.2157% | 243 |
| Net operating income to assets | -0.2517% | 6,611 |
| Return on assets (ROA) | -0.2517% | 6,624 |
| Pretax return on assets | -0.4203% | 6,701 |
| Return on Equity (ROE) | -1.2678% | 6,522 |
| Retained earnings to average equity (ytd only) | -1.2678% | 6,042 |
| Net charge-offs to loans | 3.8043% | 249 |
| Credit loss provision to net charge-offs | 71.8798% | 3,319 |
| Earnings coverage of net charge-offs (x) | 0.5824% | 4,189 |
| Efficiency ratio | 61.1028% | 5,822 |
| Assets per employee ($millions) | 5.2545% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 4,395 |
| Loan loss allowance to noncurrent loans | 185.8736% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 3,798 |
| Noncurrent loans to loans | 0.7850% | 5,466 |
| Net loans and leases to total assets | 82.9221% | 281 |
| Net loans and leases to deposits | 104.9111% | 283 |
| Net loans and leases to core deposits | 130.0698% | 271 |
| Total domestic deposits to total assets | 79.0403% | 6,176 |
| Equity capital to assets | 20.4998% | 230 |
| Core capital (leverage) ratio | 20.0762% | 226 |
| Tier 1 risk-based capital ratio | 23.3802% | 1,042 |
| Total risk-based capital ratio | 24.6322% | 1,028 |
| Memoranda: | ||
| Average total assets | $168,433,000 | 3,581 |
| Average earning assets | $161,514,500 | 3,434 |
| Average equity | $33,444,500 | 1,972 |
| Average total loans | $136,477,000 | 2,955 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,182 |
| Cost of funding earning assets | 1.1347% | 4,936 |
| Net interest margin | 4.3904% | 1,509 |
| Noninterest income to average assets | 0.2381% | 6,093 |
| Noninterest expense to average assets | 2.8646% | 4,362 |
| Loan and lease loss provision to assets | 0.9335% | 1,745 |
| Net operating income to assets | 0.4051% | 4,518 |
| Return on assets (ROA) | 0.4051% | 4,655 |
| Pretax return on assets | 0.6530% | 4,152 |
| Return on Equity (ROE) | 2.6801% | 5,094 |
| Retained earnings to average equity (ytd only) | 2.6801% | 3,979 |
| Net charge-offs to loans | 0.5535% | 3,403 |
| Credit loss provision to net charge-offs | 199.8603% | 1,577 |
| Earnings coverage of net charge-offs (x) | 3.3966% | 3,382 |
| Efficiency ratio | 63.1687% | 5,487 |
| Assets per employee ($millions) | 6.2135% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 3,074 |
| Loan loss allowance to noncurrent loans | 122.4754% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 3,322 |
| Noncurrent loans to loans | 1.4211% | 4,354 |
| Net loans and leases to total assets | 76.7446% | 1,135 |
| Net loans and leases to deposits | 95.7407% | 891 |
| Net loans and leases to core deposits | 119.4493% | 545 |
| Total domestic deposits to total assets | 80.1589% | 5,789 |
| Equity capital to assets | 19.2537% | 306 |
| Core capital (leverage) ratio | 20.2386% | 226 |
| Tier 1 risk-based capital ratio | 23.7079% | 959 |
| Total risk-based capital ratio | 24.9700% | 941 |
| Memoranda: | ||
| Average total assets | $153,287,600 | 3,823 |
| Average earning assets | $147,093,200 | 3,685 |
| Average equity | $23,170,600 | 2,742 |
| Average total loans | $129,354,000 | 3,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 1,813 |
| Cost of funding earning assets | 1.1866% | 4,928 |
| Net interest margin | 4.4827% | 1,299 |
| Noninterest income to average assets | 0.2322% | 6,230 |
| Noninterest expense to average assets | 2.9526% | 3,915 |
| Loan and lease loss provision to assets | 0.6751% | 2,268 |
| Net operating income to assets | 0.5266% | 4,195 |
| Return on assets (ROA) | 0.5266% | 4,371 |
| Pretax return on assets | 0.9029% | 3,546 |
| Return on Equity (ROE) | 3.7883% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.7883% | 3,799 |
| Net charge-offs to loans | 0.7307% | 2,593 |
| Credit loss provision to net charge-offs | 107.1429% | 3,982 |
| Earnings coverage of net charge-offs (x) | 2.5043% | 3,917 |
| Efficiency ratio | 63.9579% | 5,247 |
| Assets per employee ($millions) | 6.0751% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,780 |
| Loan loss allowance to noncurrent loans | 207.0646% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 4,740 |
| Noncurrent loans to loans | 0.6445% | 5,918 |
| Net loans and leases to total assets | 76.6272% | 1,295 |
| Net loans and leases to deposits | 96.5598% | 919 |
| Net loans and leases to core deposits | 122.5945% | 538 |
| Total domestic deposits to total assets | 79.3572% | 5,912 |
| Equity capital to assets | 20.3977% | 263 |
| Core capital (leverage) ratio | 21.5489% | 191 |
| Tier 1 risk-based capital ratio | 25.2687% | 844 |
| Total risk-based capital ratio | 26.5253% | 820 |
| Memoranda: | ||
| Average total assets | $148,115,250 | 3,955 |
| Average earning assets | $142,022,500 | 3,834 |
| Average equity | $20,589,000 | 3,100 |
| Average total loans | $127,721,750 | 3,208 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8691% | 1,255 |
| Cost of funding earning assets | 1.2578% | 4,779 |
| Net interest margin | 4.6114% | 968 |
| Noninterest income to average assets | 0.2409% | 6,180 |
| Noninterest expense to average assets | 3.1174% | 3,230 |
| Loan and lease loss provision to assets | 0.3557% | 3,584 |
| Net operating income to assets | 0.6904% | 3,442 |
| Return on assets (ROA) | 0.6904% | 3,595 |
| Pretax return on assets | 1.1834% | 2,469 |
| Return on Equity (ROE) | 6.0493% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.0493% | 2,311 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7444% | 5,030 |
| Assets per employee ($millions) | 5.4537% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 3,951 |
| Loan loss allowance to noncurrent loans | 184.0580% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 5,668 |
| Noncurrent loans to loans | 0.8135% | 5,649 |
| Net loans and leases to total assets | 88.3818% | 115 |
| Net loans and leases to deposits | 100.4682% | 685 |
| Net loans and leases to core deposits | 126.0293% | 510 |
| Total domestic deposits to total assets | 87.9700% | 2,020 |
| Equity capital to assets | 11.6619% | 2,310 |
| Core capital (leverage) ratio | 11.5481% | 1,886 |
| Tier 1 risk-based capital ratio | 12.2177% | 5,109 |
| Total risk-based capital ratio | 13.4770% | 5,072 |
| Memoranda: | ||
| Average total assets | $142,811,000 | 4,076 |
| Average earning assets | $136,749,000 | 3,956 |
| Average equity | $16,299,330 | 3,753 |
| Average total loans | $127,832,330 | 3,240 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8716% | 1,266 |
| Cost of funding earning assets | 1.2709% | 4,996 |
| Net interest margin | 4.6007% | 950 |
| Noninterest income to average assets | 0.2372% | 6,258 |
| Noninterest expense to average assets | 3.1510% | 3,052 |
| Loan and lease loss provision to assets | 0.1256% | 5,320 |
| Net operating income to assets | 0.8038% | 2,943 |
| Return on assets (ROA) | 0.8038% | 3,043 |
| Pretax return on assets | 1.3760% | 1,842 |
| Return on Equity (ROE) | 7.1195% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.1195% | 2,082 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5267% | 5,000 |
| Assets per employee ($millions) | 5.3047% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 85.8442% | 225 |
| Net loans and leases to deposits | 97.3199% | 972 |
| Net loans and leases to core deposits | 120.3192% | 773 |
| Total domestic deposits to total assets | 88.2083% | 1,943 |
| Equity capital to assets | 11.3993% | 2,433 |
| Core capital (leverage) ratio | 11.3495% | 2,000 |
| Tier 1 risk-based capital ratio | 12.2378% | 4,954 |
| Total risk-based capital ratio | 13.4944% | 4,926 |
| Memoranda: | ||
| Average total assets | $143,319,000 | 4,136 |
| Average earning assets | $137,543,000 | 4,003 |
| Average equity | $16,181,000 | 3,803 |
| Average total loans | $128,135,500 | 3,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 3,667 |
| Cost of funding earning assets | 1.8678% | 3,631 |
| Net interest margin | 3.7201% | 4,045 |
| Noninterest income to average assets | 0.2242% | 6,509 |
| Noninterest expense to average assets | 3.0264% | 4,044 |
| Loan and lease loss provision to assets | 0.3214% | 4,887 |
| Net operating income to assets | 0.2691% | 4,650 |
| Return on assets (ROA) | 0.2691% | 4,731 |
| Pretax return on assets | 0.4716% | 4,277 |
| Return on Equity (ROE) | 2.2832% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.2832% | 3,518 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3170% | 3,143 |
| Assets per employee ($millions) | 5.5158% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 5,028 |
| Loan loss allowance to noncurrent loans | 75.8621% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5166% | 4,104 |
| Noncurrent loans to loans | 1.6524% | 4,172 |
| Net loans and leases to total assets | 90.6304% | 68 |
| Net loans and leases to deposits | 102.7049% | 712 |
| Net loans and leases to core deposits | 146.2326% | 605 |
| Total domestic deposits to total assets | 88.2435% | 1,861 |
| Equity capital to assets | 11.1812% | 2,547 |
| Core capital (leverage) ratio | 10.3706% | 2,715 |
| Tier 1 risk-based capital ratio | 11.3766% | 5,537 |
| Total risk-based capital ratio | 12.5621% | 5,548 |
| Memoranda: | ||
| Average total assets | $133,791,200 | 4,266 |
| Average earning assets | $129,298,800 | 4,102 |
| Average equity | $15,767,600 | 3,905 |
| Average total loans | $116,352,000 | 3,561 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 4,930 |
| Cost of funding earning assets | 1.9019% | 3,879 |
| Net interest margin | 3.5018% | 4,857 |
| Noninterest income to average assets | 0.2101% | 6,725 |
| Noninterest expense to average assets | 3.0363% | 3,896 |
| Loan and lease loss provision to assets | 0.3044% | 4,538 |
| Net operating income to assets | 0.1350% | 5,365 |
| Return on assets (ROA) | 0.1350% | 5,430 |
| Pretax return on assets | 0.2588% | 5,170 |
| Return on Equity (ROE) | 1.1294% | 5,450 |
| Retained earnings to average equity (ytd only) | 1.1294% | 4,690 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5918% | 2,339 |
| Assets per employee ($millions) | 5.9257% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,246 |
| Loan loss allowance to noncurrent loans | 69.8851% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 4,282 |
| Noncurrent loans to loans | 1.6849% | 4,120 |
| Net loans and leases to total assets | 82.7992% | 696 |
| Net loans and leases to deposits | 96.1464% | 1,556 |
| Net loans and leases to core deposits | 131.8168% | 1,336 |
| Total domestic deposits to total assets | 86.1178% | 2,641 |
| Equity capital to assets | 10.2546% | 3,783 |
| Core capital (leverage) ratio | 10.2785% | 2,993 |
| Tier 1 risk-based capital ratio | 11.0118% | 5,943 |
| Total risk-based capital ratio | 12.0862% | 6,080 |
| Memoranda: | ||
| Average total assets | $131,386,500 | 4,342 |
| Average earning assets | $127,169,000 | 4,176 |
| Average equity | $15,700,750 | 3,969 |
| Average total loans | $112,534,250 | 3,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 5,876 |
| Cost of funding earning assets | 1.8808% | 4,370 |
| Net interest margin | 3.3678% | 5,292 |
| Noninterest income to average assets | 0.2035% | 6,834 |
| Noninterest expense to average assets | 3.0753% | 3,793 |
| Loan and lease loss provision to assets | 0.2617% | 4,482 |
| Net operating income to assets | 0.0630% | 5,670 |
| Return on assets (ROA) | 0.0630% | 5,760 |
| Pretax return on assets | 0.1260% | 5,615 |
| Return on Equity (ROE) | 0.4978% | 5,787 |
| Retained earnings to average equity (ytd only) | 0.4978% | 5,007 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8060% | 1,926 |
| Assets per employee ($millions) | 5.7777% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,373 |
| Loan loss allowance to noncurrent loans | 63.5402% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4479% | 4,076 |
| Noncurrent loans to loans | 1.7843% | 3,825 |
| Net loans and leases to total assets | 80.2242% | 1,272 |
| Net loans and leases to deposits | 93.4535% | 2,182 |
| Net loans and leases to core deposits | 108.7467% | 3,522 |
| Total domestic deposits to total assets | 85.8440% | 2,867 |
| Equity capital to assets | 10.4474% | 3,471 |
| Core capital (leverage) ratio | 11.4863% | 2,094 |
| Tier 1 risk-based capital ratio | 11.4866% | 5,394 |
| Total risk-based capital ratio | 12.5138% | 5,540 |
| Memoranda: | ||
| Average total assets | $123,826,000 | 4,537 |
| Average earning assets | $119,841,670 | 4,369 |
| Average equity | $15,668,000 | 3,986 |
| Average total loans | $107,016,670 | 3,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 5,611 |
| Cost of funding earning assets | 1.8629% | 4,814 |
| Net interest margin | 3.4977% | 4,746 |
| Noninterest income to average assets | 0.1989% | 6,869 |
| Noninterest expense to average assets | 3.1926% | 3,016 |
| Loan and lease loss provision to assets | 0.1446% | 5,097 |
| Net operating income to assets | 0.1374% | 5,867 |
| Return on assets (ROA) | 0.1374% | 6,034 |
| Pretax return on assets | 0.2423% | 5,842 |
| Return on Equity (ROE) | 0.9709% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.9709% | 5,256 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1919% | 1,790 |
| Assets per employee ($millions) | 5.3511% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 88.8916% | 200 |
| Net loans and leases to deposits | 109.3414% | 651 |
| Net loans and leases to core deposits | 150.2640% | 697 |
| Total domestic deposits to total assets | 81.2973% | 4,840 |
| Equity capital to assets | 13.9543% | 1,377 |
| Core capital (leverage) ratio | 14.4140% | 1,101 |
| Tier 1 risk-based capital ratio | 14.1693% | 3,492 |
| Total risk-based capital ratio | 15.3080% | 3,475 |
| Memoranda: | ||
| Average total assets | $110,629,500 | 4,887 |
| Average earning assets | $106,928,000 | 4,718 |
| Average equity | $15,655,000 | 4,013 |
| Average total loans | $99,578,000 | 4,041 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 5,883 |
| Cost of funding earning assets | 2.1066% | 6,024 |
| Net interest margin | 3.8280% | 3,902 |
| Noninterest income to average assets | 0.8135% | 2,435 |
| Noninterest expense to average assets | 3.6313% | 2,077 |
| Loan and lease loss provision to assets | 0.2705% | 4,229 |
| Net operating income to assets | 0.3161% | 5,492 |
| Return on assets (ROA) | 0.3161% | 5,308 |
| Pretax return on assets | 0.5955% | 4,710 |
| Return on Equity (ROE) | 2.0656% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.0656% | 3,952 |
| Net charge-offs to loans | 0.0487% | 6,092 |
| Credit loss provision to net charge-offs | 634.8837% | 672 |
| Earnings coverage of net charge-offs (x) | 20.3256% | 1,579 |
| Efficiency ratio | 80.7447% | 2,490 |
| Assets per employee ($millions) | 4.9493% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 88.8874% | 291 |
| Net loans and leases to deposits | 110.2184% | 816 |
| Net loans and leases to core deposits | 135.7814% | 1,498 |
| Total domestic deposits to total assets | 80.6466% | 4,792 |
| Equity capital to assets | 14.3537% | 1,334 |
| Core capital (leverage) ratio | 14.6131% | 1,120 |
| Tier 1 risk-based capital ratio | 15.2000% | 2,957 |
| Total risk-based capital ratio | 16.3864% | 2,909 |
| Memoranda: | ||
| Average total assets | $100,926,800 | 5,018 |
| Average earning assets | $97,125,600 | 4,890 |
| Average equity | $15,443,200 | 4,040 |
| Average total loans | $88,277,000 | 4,283 |