Home > Vantage Bank Texas > Performance and Condition Ratios
Vantage Bank Texas, 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 | 5.9627% | 670 |
| Cost of funding earning assets | 1.7466% | 1,366 |
| Net interest margin | 4.2160% | 910 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.7215% | 1,683 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.7158% | 714 |
| Return on assets (ROA) | 1.6878% | 719 |
| Pretax return on assets | 1.7003% | 1,063 |
| Return on Equity (ROE) | 17.9200% | 827 |
| Retained earnings to average equity (ytd only) | 7.6188% | 1,663 |
| Net charge-offs to loans | 0.1115% | 844 |
| Credit loss provision to net charge-offs | 251.1847% | 1,063 |
| Earnings coverage of net charge-offs (x) | 20.1601% | 1,873 |
| Efficiency ratio | 58.4762% | 3,249 |
| Assets per employee ($millions) | 7.7979% | 1,538 |
| Cash dividends to net income (ytd only)* | 57.4903% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,152 |
| Loan loss allowance to noncurrent loans | 452.1521% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 1,863 |
| Noncurrent loans to loans | 0.3243% | 2,022 |
| Net loans and leases to total assets | 82.9600% | 350 |
| Net loans and leases to deposits | 98.0899% | 649 |
| Net loans and leases to core deposits | 118.5703% | 674 |
| Total domestic deposits to total assets | 84.5700% | 2,447 |
| Equity capital to assets | 9.5146% | 2,338 |
| Core capital (leverage) ratio | 10.2811% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4080% | 2,449 |
| Memoranda: | ||
| Average total assets | $3,588,838,400 | 351 |
| Average earning assets | $3,375,987,000 | 331 |
| Average equity | $337,965,600 | 358 |
| Average total loans | $2,952,617,600 | 304 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7757% | 712 |
| Cost of funding earning assets | 1.5633% | 1,446 |
| Net interest margin | 4.2124% | 906 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.6456% | 1,811 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 1.5173% | 1,086 |
| Return on assets (ROA) | 1.5173% | 1,077 |
| Pretax return on assets | 1.5260% | 1,511 |
| Return on Equity (ROE) | 16.1600% | 1,224 |
| Retained earnings to average equity (ytd only) | 4.6838% | 3,048 |
| Net charge-offs to loans | 0.1491% | 558 |
| Credit loss provision to net charge-offs | 350.9231% | 790 |
| Earnings coverage of net charge-offs (x) | 15.5311% | 1,959 |
| Efficiency ratio | 57.2017% | 3,293 |
| Assets per employee ($millions) | 7.4719% | 1,648 |
| Cash dividends to net income (ytd only)* | 71.0097% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5891% | 904 |
| Loan loss allowance to noncurrent loans | 231.1948% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 1,002 |
| Noncurrent loans to loans | 0.6874% | 1,200 |
| Net loans and leases to total assets | 83.5400% | 320 |
| Net loans and leases to deposits | 97.7274% | 628 |
| Net loans and leases to core deposits | 115.8832% | 664 |
| Total domestic deposits to total assets | 85.4800% | 2,354 |
| Equity capital to assets | 9.1639% | 2,318 |
| Core capital (leverage) ratio | 9.7574% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8398% | 2,659 |
| Memoranda: | ||
| Average total assets | $3,554,194,500 | 357 |
| Average earning assets | $3,340,615,750 | 338 |
| Average equity | $333,794,750 | 365 |
| Average total loans | $2,906,238,000 | 310 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 846 |
| Cost of funding earning assets | 1.2394% | 1,884 |
| Net interest margin | 4.2463% | 866 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.6363% | 1,835 |
| Loan and lease loss provision to assets | 0.5100% | 144 |
| Net operating income to assets | 1.3761% | 1,391 |
| Return on assets (ROA) | 1.3761% | 1,371 |
| Pretax return on assets | 1.3845% | 1,854 |
| Return on Equity (ROE) | 14.5300% | 1,568 |
| Retained earnings to average equity (ytd only) | 2.2950% | 3,649 |
| Net charge-offs to loans | 0.2553% | 327 |
| Credit loss provision to net charge-offs | 276.3085% | 903 |
| Earnings coverage of net charge-offs (x) | 9.1975% | 2,030 |
| Efficiency ratio | 57.0836% | 3,292 |
| Assets per employee ($millions) | 7.5097% | 1,604 |
| Cash dividends to net income (ytd only)* | 84.2058% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 981 |
| Loan loss allowance to noncurrent loans | 220.5412% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 926 |
| Noncurrent loans to loans | 0.7148% | 1,044 |
| Net loans and leases to total assets | 80.3200% | 603 |
| Net loans and leases to deposits | 99.4959% | 539 |
| Net loans and leases to core deposits | 113.8148% | 688 |
| Total domestic deposits to total assets | 80.7200% | 3,470 |
| Equity capital to assets | 8.9624% | 2,536 |
| Core capital (leverage) ratio | 10.2261% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7451% | 2,699 |
| Memoranda: | ||
| Average total assets | $3,523,502,000 | 346 |
| Average earning assets | $3,307,537,667 | 331 |
| Average equity | $333,679,333 | 355 |
| Average total loans | $2,843,199,333 | 304 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 783 |
| Cost of funding earning assets | 1.0149% | 1,997 |
| Net interest margin | 4.3313% | 770 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.7499% | 1,552 |
| Loan and lease loss provision to assets | 0.6800% | 100 |
| Net operating income to assets | 1.1843% | 1,977 |
| Return on assets (ROA) | 1.1843% | 1,940 |
| Pretax return on assets | 1.1873% | 2,458 |
| Return on Equity (ROE) | 12.1600% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.4567% | 3,789 |
| Net charge-offs to loans | 0.0035% | 1,878 |
| Credit loss provision to net charge-offs | 23,520.8333% | 18 |
| Earnings coverage of net charge-offs (x) | 669.5000% | 173 |
| Efficiency ratio | 58.4550% | 3,137 |
| Assets per employee ($millions) | 7.3208% | 1,737 |
| Cash dividends to net income (ytd only)* | 88.0177% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 898 |
| Loan loss allowance to noncurrent loans | 188.2389% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 695 |
| Noncurrent loans to loans | 0.8788% | 860 |
| Net loans and leases to total assets | 78.6100% | 697 |
| Net loans and leases to deposits | 95.2783% | 699 |
| Net loans and leases to core deposits | 107.5992% | 777 |
| Total domestic deposits to total assets | 82.5000% | 3,404 |
| Equity capital to assets | 9.3040% | 2,295 |
| Core capital (leverage) ratio | 10.6407% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1065% | 2,696 |
| Memoranda: | ||
| Average total assets | $3,441,621,500 | 361 |
| Average earning assets | $3,229,367,500 | 346 |
| Average equity | $335,285,000 | 365 |
| Average total loans | $2,760,367,000 | 316 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 732 |
| Cost of funding earning assets | 0.3495% | 2,478 |
| Net interest margin | 4.1434% | 614 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5821% | 1,877 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.8562% | 382 |
| Return on assets (ROA) | 1.8562% | 367 |
| Pretax return on assets | 1.8603% | 639 |
| Return on Equity (ROE) | 18.9200% | 585 |
| Retained earnings to average equity (ytd only) | 10.7843% | 937 |
| Net charge-offs to loans | -0.0067% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.5586% | 3,521 |
| Assets per employee ($millions) | 7.0922% | 1,898 |
| Cash dividends to net income (ytd only)* | 42.9907% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,950 |
| Loan loss allowance to noncurrent loans | 293.0994% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,354 |
| Noncurrent loans to loans | 0.4401% | 1,603 |
| Net loans and leases to total assets | 79.4600% | 654 |
| Net loans and leases to deposits | 90.9514% | 986 |
| Net loans and leases to core deposits | 101.7061% | 911 |
| Total domestic deposits to total assets | 87.3600% | 2,280 |
| Equity capital to assets | 10.2028% | 1,609 |
| Core capital (leverage) ratio | 10.6729% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1208% | 2,696 |
| Memoranda: | ||
| Average total assets | $3,289,193,200 | 361 |
| Average earning assets | $3,092,485,400 | 348 |
| Average equity | $322,755,400 | 370 |
| Average total loans | $2,567,587,000 | 314 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2519% | 798 |
| Cost of funding earning assets | 0.2510% | 2,697 |
| Net interest margin | 4.0010% | 637 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.5113% | 1,988 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.8018% | 429 |
| Return on assets (ROA) | 1.8018% | 417 |
| Pretax return on assets | 1.8041% | 725 |
| Return on Equity (ROE) | 18.5500% | 573 |
| Retained earnings to average equity (ytd only) | 8.9764% | 1,656 |
| Net charge-offs to loans | 0.0128% | 1,642 |
| Credit loss provision to net charge-offs | 310.2881% | 798 |
| Earnings coverage of net charge-offs (x) | 185.3457% | 649 |
| Efficiency ratio | 56.5545% | 3,567 |
| Assets per employee ($millions) | 7.1757% | 1,823 |
| Cash dividends to net income (ytd only)* | 51.6132% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,032 |
| Loan loss allowance to noncurrent loans | 288.4739% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 1,448 |
| Noncurrent loans to loans | 0.4501% | 1,684 |
| Net loans and leases to total assets | 76.3000% | 876 |
| Net loans and leases to deposits | 85.1972% | 1,220 |
| Net loans and leases to core deposits | 94.4498% | 1,066 |
| Total domestic deposits to total assets | 89.5500% | 1,851 |
| Equity capital to assets | 9.5542% | 1,847 |
| Core capital (leverage) ratio | 10.3422% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0279% | 2,806 |
| Memoranda: | ||
| Average total assets | $3,272,833,250 | 364 |
| Average earning assets | $3,079,370,250 | 350 |
| Average equity | $317,877,250 | 377 |
| Average total loans | $2,534,392,500 | 313 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 819 |
| Cost of funding earning assets | 0.1886% | 3,064 |
| Net interest margin | 3.8832% | 629 |
| Noninterest income to average assets | 0.5503% | 1,950 |
| Noninterest expense to average assets | 2.4495% | 2,081 |
| Loan and lease loss provision to assets | 0.0364% | 1,933 |
| Net operating income to assets | 1.7213% | 406 |
| Return on assets (ROA) | 1.7213% | 401 |
| Pretax return on assets | 1.7213% | 713 |
| Return on Equity (ROE) | 17.6208% | 513 |
| Retained earnings to average equity (ytd only) | 6.9112% | 2,015 |
| Net charge-offs to loans | 0.0235% | 1,252 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 96.4830% | 835 |
| Efficiency ratio | 56.9348% | 3,685 |
| Assets per employee ($millions) | 7.0780% | 1,890 |
| Cash dividends to net income (ytd only)* | 60.7783% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,114 |
| Loan loss allowance to noncurrent loans | 259.4718% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 1,432 |
| Noncurrent loans to loans | 0.5072% | 1,611 |
| Net loans and leases to total assets | 76.6318% | 669 |
| Net loans and leases to deposits | 85.4333% | 1,018 |
| Net loans and leases to core deposits | 94.6270% | 888 |
| Total domestic deposits to total assets | 89.6979% | 1,846 |
| Equity capital to assets | 9.4120% | 2,088 |
| Core capital (leverage) ratio | 9.9444% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6359% | 2,903 |
| Memoranda: | ||
| Average total assets | $3,227,621,000 | 363 |
| Average earning assets | $3,039,584,333 | 354 |
| Average equity | $315,285,667 | 378 |
| Average total loans | $2,500,936,000 | 310 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9606% | 834 |
| Cost of funding earning assets | 0.1751% | 3,156 |
| Net interest margin | 3.7854% | 650 |
| Noninterest income to average assets | 0.5281% | 2,004 |
| Noninterest expense to average assets | 2.5980% | 1,608 |
| Loan and lease loss provision to assets | 0.1898% | 396 |
| Net operating income to assets | 1.3093% | 982 |
| Return on assets (ROA) | 1.3093% | 970 |
| Pretax return on assets | 1.3093% | 1,476 |
| Return on Equity (ROE) | 13.1527% | 1,003 |
| Retained earnings to average equity (ytd only) | 1.7536% | 3,615 |
| Net charge-offs to loans | 0.0738% | 623 |
| Credit loss provision to net charge-offs | 332.1586% | 638 |
| Earnings coverage of net charge-offs (x) | 26.2357% | 1,192 |
| Efficiency ratio | 62.0680% | 3,251 |
| Assets per employee ($millions) | 7.1380% | 1,898 |
| Cash dividends to net income (ytd only)* | 86.6673% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,934 |
| Loan loss allowance to noncurrent loans | 218.9768% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 1,249 |
| Noncurrent loans to loans | 0.6359% | 1,478 |
| Net loans and leases to total assets | 75.1266% | 568 |
| Net loans and leases to deposits | 83.6649% | 903 |
| Net loans and leases to core deposits | 93.0870% | 773 |
| Total domestic deposits to total assets | 89.7946% | 1,676 |
| Equity capital to assets | 9.5439% | 2,247 |
| Core capital (leverage) ratio | 10.0227% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5379% | 2,973 |
| Memoranda: | ||
| Average total assets | $3,178,108,000 | 370 |
| Average earning assets | $2,996,440,500 | 361 |
| Average equity | $316,376,500 | 384 |
| Average total loans | $2,459,771,000 | 314 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 1,335 |
| Cost of funding earning assets | 0.2284% | 3,151 |
| Net interest margin | 3.7831% | 1,045 |
| Noninterest income to average assets | 0.5994% | 2,158 |
| Noninterest expense to average assets | 2.7212% | 1,570 |
| Loan and lease loss provision to assets | 0.2303% | 431 |
| Net operating income to assets | 1.1912% | 1,949 |
| Return on assets (ROA) | 1.2039% | 1,959 |
| Pretax return on assets | 1.2039% | 2,652 |
| Return on Equity (ROE) | 11.5105% | 1,982 |
| Retained earnings to average equity (ytd only) | 4.4559% | 3,029 |
| Net charge-offs to loans | -0.0574% | 4,390 |
| Credit loss provision to net charge-offs | -526.8791% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1800% | 2,534 |
| Assets per employee ($millions) | 6.7988% | 2,069 |
| Cash dividends to net income (ytd only)* | 61.2879% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 1,948 |
| Loan loss allowance to noncurrent loans | 209.2512% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 1,182 |
| Noncurrent loans to loans | 0.6646% | 1,508 |
| Net loans and leases to total assets | 77.5902% | 405 |
| Net loans and leases to deposits | 87.0284% | 716 |
| Net loans and leases to core deposits | 97.5553% | 635 |
| Total domestic deposits to total assets | 89.1550% | 1,435 |
| Equity capital to assets | 10.3920% | 2,277 |
| Core capital (leverage) ratio | 10.3106% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1583% | 2,850 |
| Memoranda: | ||
| Average total assets | $2,800,237,600 | 398 |
| Average earning assets | $2,622,666,400 | 390 |
| Average equity | $292,889,400 | 402 |
| Average total loans | $2,132,104,200 | 345 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 1,521 |
| Cost of funding earning assets | 0.2449% | 3,164 |
| Net interest margin | 3.7606% | 1,205 |
| Noninterest income to average assets | 0.6028% | 2,206 |
| Noninterest expense to average assets | 2.7783% | 1,392 |
| Loan and lease loss provision to assets | 0.1626% | 675 |
| Net operating income to assets | 1.1773% | 2,238 |
| Return on assets (ROA) | 1.1947% | 2,241 |
| Pretax return on assets | 1.1947% | 2,951 |
| Return on Equity (ROE) | 11.4014% | 2,240 |
| Retained earnings to average equity (ytd only) | 1.7723% | 4,251 |
| Net charge-offs to loans | -0.0077% | 3,579 |
| Credit loss provision to net charge-offs | -2,797.4790% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9109% | 2,110 |
| Assets per employee ($millions) | 6.6005% | 2,176 |
| Cash dividends to net income (ytd only)* | 84.4553% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,156 |
| Loan loss allowance to noncurrent loans | 209.0419% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 1,470 |
| Noncurrent loans to loans | 0.6536% | 1,677 |
| Net loans and leases to total assets | 71.6408% | 905 |
| Net loans and leases to deposits | 79.8751% | 1,305 |
| Net loans and leases to core deposits | 89.7638% | 1,047 |
| Total domestic deposits to total assets | 89.6910% | 917 |
| Equity capital to assets | 9.7884% | 3,112 |
| Core capital (leverage) ratio | 9.5542% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3811% | 2,884 |
| Memoranda: | ||
| Average total assets | $2,730,333,250 | 407 |
| Average earning assets | $2,552,226,250 | 401 |
| Average equity | $286,097,000 | 409 |
| Average total loans | $2,059,288,250 | 358 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 1,341 |
| Cost of funding earning assets | 0.2645% | 3,144 |
| Net interest margin | 3.8389% | 1,083 |
| Noninterest income to average assets | 0.6191% | 2,133 |
| Noninterest expense to average assets | 2.9111% | 1,129 |
| Loan and lease loss provision to assets | 0.1542% | 764 |
| Net operating income to assets | 1.1333% | 2,423 |
| Return on assets (ROA) | 1.1601% | 2,394 |
| Pretax return on assets | 1.1601% | 3,026 |
| Return on Equity (ROE) | 10.8058% | 2,496 |
| Retained earnings to average equity (ytd only) | -1.6573% | 4,655 |
| Net charge-offs to loans | -0.0130% | 3,794 |
| Credit loss provision to net charge-offs | -1,548.4848% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7636% | 1,907 |
| Assets per employee ($millions) | 6.2963% | 2,331 |
| Cash dividends to net income (ytd only)* | 115.3376% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 2,079 |
| Loan loss allowance to noncurrent loans | 179.6382% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 1,269 |
| Noncurrent loans to loans | 0.7657% | 1,575 |
| Net loans and leases to total assets | 72.5001% | 906 |
| Net loans and leases to deposits | 81.0555% | 1,325 |
| Net loans and leases to core deposits | 92.7341% | 962 |
| Total domestic deposits to total assets | 89.4450% | 1,060 |
| Equity capital to assets | 10.1844% | 2,687 |
| Core capital (leverage) ratio | 9.9185% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7595% | 2,788 |
| Memoranda: | ||
| Average total assets | $2,650,374,667 | 412 |
| Average earning assets | $2,471,273,333 | 406 |
| Average equity | $284,550,667 | 409 |
| Average total loans | $2,026,598,333 | 362 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 1,310 |
| Cost of funding earning assets | 0.2905% | 3,094 |
| Net interest margin | 3.8460% | 1,064 |
| Noninterest income to average assets | 0.6326% | 2,084 |
| Noninterest expense to average assets | 3.1068% | 831 |
| Loan and lease loss provision to assets | 0.3168% | 282 |
| Net operating income to assets | 0.7851% | 3,471 |
| Return on assets (ROA) | 0.8378% | 3,388 |
| Pretax return on assets | 0.8378% | 3,744 |
| Return on Equity (ROE) | 7.5929% | 3,450 |
| Retained earnings to average equity (ytd only) | -3.1082% | 4,607 |
| Net charge-offs to loans | -0.0085% | 3,611 |
| Credit loss provision to net charge-offs | -4,753.4884% | 3,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2087% | 1,474 |
| Assets per employee ($millions) | 5.8571% | 2,738 |
| Cash dividends to net income (ytd only)* | 140.9360% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 2,045 |
| Loan loss allowance to noncurrent loans | 174.9922% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,295 |
| Noncurrent loans to loans | 0.7890% | 1,671 |
| Net loans and leases to total assets | 75.6938% | 657 |
| Net loans and leases to deposits | 85.0470% | 1,042 |
| Net loans and leases to core deposits | 98.2565% | 792 |
| Total domestic deposits to total assets | 89.0023% | 1,342 |
| Equity capital to assets | 10.6731% | 2,112 |
| Core capital (leverage) ratio | 10.6416% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1020% | 2,632 |
| Memoranda: | ||
| Average total assets | $2,580,929,500 | 422 |
| Average earning assets | $2,399,807,500 | 414 |
| Average equity | $284,790,500 | 408 |
| Average total loans | $2,014,685,500 | 363 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,287 |
| Cost of funding earning assets | 0.5225% | 2,798 |
| Net interest margin | 3.9873% | 994 |
| Noninterest income to average assets | 0.6158% | 2,158 |
| Noninterest expense to average assets | 2.8586% | 1,791 |
| Loan and lease loss provision to assets | 0.4755% | 558 |
| Net operating income to assets | 0.9995% | 2,293 |
| Return on assets (ROA) | 1.0259% | 2,337 |
| Pretax return on assets | 0.9910% | 3,073 |
| Return on Equity (ROE) | 8.6361% | 2,540 |
| Retained earnings to average equity (ytd only) | 1.1491% | 4,168 |
| Net charge-offs to loans | 0.0638% | 1,867 |
| Credit loss provision to net charge-offs | 958.5799% | 801 |
| Earnings coverage of net charge-offs (x) | 29.0296% | 1,640 |
| Efficiency ratio | 64.7947% | 2,705 |
| Assets per employee ($millions) | 5.4773% | 2,865 |
| Cash dividends to net income (ytd only)* | 86.6947% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,380 |
| Loan loss allowance to noncurrent loans | 154.3191% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 1,281 |
| Noncurrent loans to loans | 0.8464% | 1,665 |
| Net loans and leases to total assets | 78.4052% | 565 |
| Net loans and leases to deposits | 88.8494% | 1,015 |
| Net loans and leases to core deposits | 103.7442% | 740 |
| Total domestic deposits to total assets | 88.2451% | 1,353 |
| Equity capital to assets | 11.4166% | 1,947 |
| Core capital (leverage) ratio | 10.9995% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5597% | 2,421 |
| Memoranda: | ||
| Average total assets | $2,384,698,800 | 413 |
| Average earning assets | $2,202,610,600 | 404 |
| Average equity | $283,274,800 | 391 |
| Average total loans | $1,853,855,400 | 370 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 1,464 |
| Cost of funding earning assets | 0.5611% | 2,861 |
| Net interest margin | 3.9844% | 1,148 |
| Noninterest income to average assets | 0.6226% | 2,093 |
| Noninterest expense to average assets | 2.8184% | 1,925 |
| Loan and lease loss provision to assets | 0.5291% | 534 |
| Net operating income to assets | 1.0012% | 2,335 |
| Return on assets (ROA) | 1.0273% | 2,362 |
| Pretax return on assets | 0.9802% | 3,131 |
| Return on Equity (ROE) | 8.5593% | 2,580 |
| Retained earnings to average equity (ytd only) | 0.0123% | 4,480 |
| Net charge-offs to loans | 0.0946% | 1,364 |
| Credit loss provision to net charge-offs | 723.4702% | 1,044 |
| Earnings coverage of net charge-offs (x) | 20.2804% | 1,904 |
| Efficiency ratio | 63.7963% | 2,769 |
| Assets per employee ($millions) | 5.4964% | 2,716 |
| Cash dividends to net income (ytd only)* | 99.8566% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,540 |
| Loan loss allowance to noncurrent loans | 151.2838% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 1,499 |
| Noncurrent loans to loans | 0.8083% | 1,806 |
| Net loans and leases to total assets | 78.2935% | 798 |
| Net loans and leases to deposits | 88.6939% | 1,403 |
| Net loans and leases to core deposits | 104.1197% | 916 |
| Total domestic deposits to total assets | 88.2738% | 1,077 |
| Equity capital to assets | 11.4763% | 2,025 |
| Core capital (leverage) ratio | 11.0780% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9943% | 2,205 |
| Memoranda: | ||
| Average total assets | $2,353,722,000 | 409 |
| Average earning assets | $2,173,314,500 | 401 |
| Average equity | $282,494,250 | 382 |
| Average total loans | $1,819,092,500 | 373 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 1,916 |
| Cost of funding earning assets | 0.5946% | 2,996 |
| Net interest margin | 3.9047% | 1,553 |
| Noninterest income to average assets | 0.6372% | 1,987 |
| Noninterest expense to average assets | 2.8422% | 1,995 |
| Loan and lease loss provision to assets | 0.5476% | 614 |
| Net operating income to assets | 0.9135% | 2,641 |
| Return on assets (ROA) | 0.9400% | 2,668 |
| Pretax return on assets | 0.8682% | 3,405 |
| Return on Equity (ROE) | 7.7123% | 2,857 |
| Retained earnings to average equity (ytd only) | 0.0035% | 4,303 |
| Net charge-offs to loans | 0.2192% | 706 |
| Credit loss provision to net charge-offs | 326.1317% | 1,559 |
| Earnings coverage of net charge-offs (x) | 8.2742% | 2,301 |
| Efficiency ratio | 65.3849% | 2,604 |
| Assets per employee ($millions) | 5.5734% | 2,572 |
| Cash dividends to net income (ytd only)* | 99.9541% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,342 |
| Loan loss allowance to noncurrent loans | 137.8026% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 1,777 |
| Noncurrent loans to loans | 0.7586% | 1,988 |
| Net loans and leases to total assets | 76.5010% | 1,064 |
| Net loans and leases to deposits | 92.8026% | 1,070 |
| Net loans and leases to core deposits | 109.5425% | 755 |
| Total domestic deposits to total assets | 82.4341% | 3,261 |
| Equity capital to assets | 11.3127% | 2,116 |
| Core capital (leverage) ratio | 11.0204% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0168% | 2,176 |
| Memoranda: | ||
| Average total assets | $2,315,669,000 | 407 |
| Average earning assets | $2,131,548,000 | 404 |
| Average equity | $282,252,000 | 378 |
| Average total loans | $1,773,419,667 | 378 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 1,708 |
| Cost of funding earning assets | 0.6526% | 3,155 |
| Net interest margin | 4.0474% | 1,263 |
| Noninterest income to average assets | 0.7191% | 1,570 |
| Noninterest expense to average assets | 3.0239% | 1,828 |
| Loan and lease loss provision to assets | 0.4578% | 652 |
| Net operating income to assets | 1.0948% | 1,859 |
| Return on assets (ROA) | 1.1325% | 1,848 |
| Pretax return on assets | 0.9826% | 2,897 |
| Return on Equity (ROE) | 8.9288% | 2,143 |
| Retained earnings to average equity (ytd only) | 1.8244% | 3,504 |
| Net charge-offs to loans | 0.0173% | 2,028 |
| Credit loss provision to net charge-offs | 3,479.4521% | 225 |
| Earnings coverage of net charge-offs (x) | 106.6164% | 553 |
| Efficiency ratio | 66.5337% | 2,883 |
| Assets per employee ($millions) | 4.9895% | 2,661 |
| Cash dividends to net income (ytd only)* | 79.5672% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,379 |
| Loan loss allowance to noncurrent loans | 122.1704% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 1,766 |
| Noncurrent loans to loans | 0.8713% | 1,868 |
| Net loans and leases to total assets | 75.2436% | 1,423 |
| Net loans and leases to deposits | 97.8030% | 740 |
| Net loans and leases to core deposits | 118.4967% | 517 |
| Total domestic deposits to total assets | 76.9338% | 4,361 |
| Equity capital to assets | 12.4454% | 1,766 |
| Core capital (leverage) ratio | 12.8886% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6102% | 2,034 |
| Memoranda: | ||
| Average total assets | $2,219,483,000 | 411 |
| Average earning assets | $2,033,084,500 | 404 |
| Average equity | $281,515,000 | 378 |
| Average total loans | $1,690,657,500 | 382 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 822 |
| Cost of funding earning assets | 0.7476% | 2,929 |
| Net interest margin | 4.5485% | 651 |
| Noninterest income to average assets | 0.7754% | 1,527 |
| Noninterest expense to average assets | 3.1792% | 1,570 |
| Loan and lease loss provision to assets | 0.2983% | 563 |
| Net operating income to assets | 1.1640% | 2,201 |
| Return on assets (ROA) | 1.1893% | 2,194 |
| Pretax return on assets | 1.4824% | 1,858 |
| Return on Equity (ROE) | 8.4873% | 2,944 |
| Retained earnings to average equity (ytd only) | 1.6676% | 4,136 |
| Net charge-offs to loans | -0.0212% | 4,639 |
| Credit loss provision to net charge-offs | -1,847.9751% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7258% | 3,258 |
| Assets per employee ($millions) | 4.7566% | 2,885 |
| Cash dividends to net income (ytd only)* | 80.3519% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,714 |
| Loan loss allowance to noncurrent loans | 90.5884% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 1,350 |
| Noncurrent loans to loans | 1.0564% | 1,434 |
| Net loans and leases to total assets | 75.5687% | 1,488 |
| Net loans and leases to deposits | 96.4449% | 902 |
| Net loans and leases to core deposits | 118.7045% | 511 |
| Total domestic deposits to total assets | 78.3543% | 4,306 |
| Equity capital to assets | 12.9322% | 1,564 |
| Core capital (leverage) ratio | 13.2501% | 1,134 |
| Tier 1 risk-based capital ratio | 14.1018% | 3,212 |
| Total risk-based capital ratio | 14.9893% | 3,297 |
| Memoranda: | ||
| Average total assets | $1,988,280,600 | 429 |
| Average earning assets | $1,815,381,200 | 423 |
| Average equity | $278,604,400 | 367 |
| Average total loans | $1,513,024,800 | 403 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 710 |
| Cost of funding earning assets | 0.7617% | 2,911 |
| Net interest margin | 4.6308% | 574 |
| Noninterest income to average assets | 0.8242% | 1,346 |
| Noninterest expense to average assets | 3.1977% | 1,473 |
| Loan and lease loss provision to assets | 0.3191% | 443 |
| Net operating income to assets | 1.2437% | 2,035 |
| Return on assets (ROA) | 1.2465% | 2,107 |
| Pretax return on assets | 1.5408% | 1,838 |
| Return on Equity (ROE) | 8.7079% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.4726% | 4,104 |
| Net charge-offs to loans | -0.0277% | 4,676 |
| Credit loss provision to net charge-offs | -1,513.6808% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4895% | 3,407 |
| Assets per employee ($millions) | 4.3663% | 3,386 |
| Cash dividends to net income (ytd only)* | 71.6056% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,820 |
| Loan loss allowance to noncurrent loans | 88.8164% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 1,475 |
| Noncurrent loans to loans | 1.0719% | 1,483 |
| Net loans and leases to total assets | 75.9804% | 1,486 |
| Net loans and leases to deposits | 89.0918% | 1,799 |
| Net loans and leases to core deposits | 109.7242% | 961 |
| Total domestic deposits to total assets | 85.2833% | 2,306 |
| Equity capital to assets | 14.0962% | 1,115 |
| Core capital (leverage) ratio | 13.8571% | 1,024 |
| Tier 1 risk-based capital ratio | 15.4340% | 2,658 |
| Total risk-based capital ratio | 16.3239% | 2,742 |
| Memoranda: | ||
| Average total assets | $1,941,914,750 | 439 |
| Average earning assets | $1,773,788,250 | 435 |
| Average equity | $277,977,000 | 371 |
| Average total loans | $1,476,645,750 | 414 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 675 |
| Cost of funding earning assets | 0.7201% | 3,047 |
| Net interest margin | 4.6815% | 511 |
| Noninterest income to average assets | 0.8007% | 1,344 |
| Noninterest expense to average assets | 3.2555% | 1,377 |
| Loan and lease loss provision to assets | 0.3614% | 351 |
| Net operating income to assets | 1.1907% | 2,182 |
| Return on assets (ROA) | 1.1907% | 2,240 |
| Pretax return on assets | 1.4593% | 1,997 |
| Return on Equity (ROE) | 8.2744% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.4957% | 3,946 |
| Net charge-offs to loans | -0.0381% | 4,752 |
| Credit loss provision to net charge-offs | -1,250.7194% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3426% | 3,376 |
| Assets per employee ($millions) | 4.1392% | 3,669 |
| Cash dividends to net income (ytd only)* | 69.8385% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 3,983 |
| Loan loss allowance to noncurrent loans | 76.4185% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 1,454 |
| Noncurrent loans to loans | 1.2105% | 1,321 |
| Net loans and leases to total assets | 73.6297% | 1,946 |
| Net loans and leases to deposits | 86.4535% | 2,209 |
| Net loans and leases to core deposits | 107.2766% | 1,157 |
| Total domestic deposits to total assets | 85.1669% | 2,409 |
| Equity capital to assets | 14.3642% | 997 |
| Core capital (leverage) ratio | 13.7377% | 1,041 |
| Tier 1 risk-based capital ratio | 16.4486% | 2,256 |
| Total risk-based capital ratio | 17.3260% | 2,324 |
| Memoranda: | ||
| Average total assets | $1,924,093,670 | 443 |
| Average earning assets | $1,757,203,670 | 442 |
| Average equity | $276,878,330 | 368 |
| Average total loans | $1,458,638,000 | 418 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 562 |
| Cost of funding earning assets | 0.6632% | 3,244 |
| Net interest margin | 4.7912% | 419 |
| Noninterest income to average assets | 0.7833% | 1,327 |
| Noninterest expense to average assets | 3.4102% | 1,094 |
| Loan and lease loss provision to assets | 0.4150% | 275 |
| Net operating income to assets | 1.0647% | 2,602 |
| Return on assets (ROA) | 1.0647% | 2,653 |
| Pretax return on assets | 1.3291% | 2,336 |
| Return on Equity (ROE) | 7.3920% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.0378% | 3,721 |
| Net charge-offs to loans | -0.0183% | 4,454 |
| Credit loss provision to net charge-offs | -2,962.6866% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3900% | 3,177 |
| Assets per employee ($millions) | 4.0302% | 3,873 |
| Cash dividends to net income (ytd only)* | 58.9044% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,520 |
| Loan loss allowance to noncurrent loans | 86.9607% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,888 |
| Noncurrent loans to loans | 0.9211% | 1,815 |
| Net loans and leases to total assets | 75.6632% | 1,537 |
| Net loans and leases to deposits | 88.7203% | 1,777 |
| Net loans and leases to core deposits | 109.0599% | 979 |
| Total domestic deposits to total assets | 85.2828% | 2,565 |
| Equity capital to assets | 14.5084% | 874 |
| Core capital (leverage) ratio | 13.8163% | 998 |
| Tier 1 risk-based capital ratio | 16.7065% | 2,199 |
| Total risk-based capital ratio | 17.4936% | 2,301 |
| Memoranda: | ||
| Average total assets | $1,913,433,500 | 446 |
| Average earning assets | $1,745,601,500 | 446 |
| Average equity | $275,596,000 | 367 |
| Average total loans | $1,465,068,500 | 418 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 497 |
| Cost of funding earning assets | 0.4458% | 3,708 |
| Net interest margin | 4.9312% | 306 |
| Noninterest income to average assets | 0.7755% | 1,543 |
| Noninterest expense to average assets | 3.2915% | 1,342 |
| Loan and lease loss provision to assets | 0.6838% | 152 |
| Net operating income to assets | 1.0292% | 2,890 |
| Return on assets (ROA) | 1.0319% | 2,866 |
| Pretax return on assets | 1.2915% | 2,534 |
| Return on Equity (ROE) | 7.2795% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.9542% | 3,397 |
| Net charge-offs to loans | 0.7400% | 213 |
| Credit loss provision to net charge-offs | 120.8237% | 2,157 |
| Earnings coverage of net charge-offs (x) | 3.4844% | 3,406 |
| Efficiency ratio | 60.7973% | 3,727 |
| Assets per employee ($millions) | 4.0519% | 3,825 |
| Cash dividends to net income (ytd only)* | 45.6806% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 4,892 |
| Loan loss allowance to noncurrent loans | 77.0753% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 1,945 |
| Noncurrent loans to loans | 0.8472% | 1,905 |
| Net loans and leases to total assets | 76.3580% | 1,547 |
| Net loans and leases to deposits | 89.5124% | 1,861 |
| Net loans and leases to core deposits | 109.9901% | 1,002 |
| Total domestic deposits to total assets | 85.3044% | 2,513 |
| Equity capital to assets | 14.2984% | 892 |
| Core capital (leverage) ratio | 13.5884% | 1,045 |
| Tier 1 risk-based capital ratio | 16.3230% | 2,298 |
| Total risk-based capital ratio | 16.9848% | 2,440 |
| Memoranda: | ||
| Average total assets | $1,909,289,800 | 430 |
| Average earning assets | $1,737,652,800 | 435 |
| Average equity | $270,649,000 | 366 |
| Average total loans | $1,460,060,600 | 410 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 2,262 |
| Cost of funding earning assets | 0.5222% | 3,042 |
| Net interest margin | 3.9893% | 1,989 |
| Noninterest income to average assets | 0.3179% | 4,022 |
| Noninterest expense to average assets | 2.8465% | 2,470 |
| Loan and lease loss provision to assets | 1.1301% | 70 |
| Net operating income to assets | 0.1409% | 5,235 |
| Return on assets (ROA) | 0.1409% | 5,228 |
| Pretax return on assets | 0.1782% | 5,211 |
| Return on Equity (ROE) | 1.3416% | 5,202 |
| Retained earnings to average equity (ytd only) | 1.3416% | 4,766 |
| Net charge-offs to loans | 1.2166% | 110 |
| Credit loss provision to net charge-offs | 117.4717% | 2,014 |
| Earnings coverage of net charge-offs (x) | 1.3600% | 3,355 |
| Efficiency ratio | 68.5109% | 2,442 |
| Assets per employee ($millions) | 5.8657% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,504 |
| Loan loss allowance to noncurrent loans | 116.8265% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0143% | 1,429 |
| Noncurrent loans to loans | 1.2450% | 1,352 |
| Net loans and leases to total assets | 78.8758% | 1,187 |
| Net loans and leases to deposits | 88.6202% | 2,073 |
| Net loans and leases to core deposits | 94.7011% | 2,232 |
| Total domestic deposits to total assets | 89.0043% | 845 |
| Equity capital to assets | 10.6001% | 3,048 |
| Core capital (leverage) ratio | 9.6158% | 4,035 |
| Tier 1 risk-based capital ratio | 11.3421% | 4,876 |
| Total risk-based capital ratio | 12.5954% | 4,767 |
| Memoranda: | ||
| Average total assets | $539,404,250 | 1,315 |
| Average earning assets | $518,809,250 | 1,273 |
| Average equity | $56,646,250 | 1,390 |
| Average total loans | $426,545,250 | 1,193 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 2,362 |
| Cost of funding earning assets | 0.4769% | 3,179 |
| Net interest margin | 3.9395% | 2,069 |
| Noninterest income to average assets | 0.3266% | 4,010 |
| Noninterest expense to average assets | 2.7649% | 2,785 |
| Loan and lease loss provision to assets | 1.3339% | 54 |
| Net operating income to assets | 0.0122% | 5,335 |
| Return on assets (ROA) | 0.0122% | 5,329 |
| Pretax return on assets | 0.0155% | 5,330 |
| Return on Equity (ROE) | 0.1165% | 5,329 |
| Retained earnings to average equity (ytd only) | 0.1165% | 4,938 |
| Net charge-offs to loans | 1.8310% | 60 |
| Credit loss provision to net charge-offs | 92.4930% | 2,136 |
| Earnings coverage of net charge-offs (x) | 0.9357% | 3,098 |
| Efficiency ratio | 67.2025% | 2,781 |
| Assets per employee ($millions) | 5.8565% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,515 |
| Loan loss allowance to noncurrent loans | 97.5614% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 1,446 |
| Noncurrent loans to loans | 1.2669% | 1,352 |
| Net loans and leases to total assets | 79.4551% | 1,103 |
| Net loans and leases to deposits | 89.2286% | 1,944 |
| Net loans and leases to core deposits | 96.6632% | 2,003 |
| Total domestic deposits to total assets | 89.0466% | 916 |
| Equity capital to assets | 10.6272% | 3,000 |
| Core capital (leverage) ratio | 9.5431% | 4,072 |
| Tier 1 risk-based capital ratio | 11.1730% | 4,957 |
| Total risk-based capital ratio | 12.4234% | 4,864 |
| Memoranda: | ||
| Average total assets | $541,279,000 | 1,313 |
| Average earning assets | $520,418,330 | 1,271 |
| Average equity | $56,668,000 | 1,386 |
| Average total loans | $426,314,670 | 1,196 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,446 |
| Cost of funding earning assets | 0.4496% | 3,204 |
| Net interest margin | 3.8716% | 2,151 |
| Noninterest income to average assets | 0.3676% | 3,680 |
| Noninterest expense to average assets | 2.8827% | 2,436 |
| Loan and lease loss provision to assets | 0.2013% | 830 |
| Net operating income to assets | 0.7914% | 3,737 |
| Return on assets (ROA) | 0.7914% | 3,742 |
| Pretax return on assets | 1.0022% | 3,526 |
| Return on Equity (ROE) | 7.6148% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.6148% | 1,983 |
| Net charge-offs to loans | -0.0131% | 4,365 |
| Credit loss provision to net charge-offs | -1,971.4286% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5462% | 2,411 |
| Assets per employee ($millions) | 6.1852% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 1,900 |
| Loan loss allowance to noncurrent loans | 245.9459% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 3,118 |
| Noncurrent loans to loans | 0.5626% | 2,852 |
| Net loans and leases to total assets | 75.4012% | 1,636 |
| Net loans and leases to deposits | 87.1171% | 2,037 |
| Net loans and leases to core deposits | 94.9075% | 2,063 |
| Total domestic deposits to total assets | 86.5515% | 2,293 |
| Equity capital to assets | 10.3885% | 3,180 |
| Core capital (leverage) ratio | 9.8828% | 3,671 |
| Tier 1 risk-based capital ratio | 11.5551% | 4,834 |
| Total risk-based capital ratio | 12.8076% | 4,728 |
| Memoranda: | ||
| Average total assets | $548,374,000 | 1,307 |
| Average earning assets | $526,709,000 | 1,273 |
| Average equity | $56,994,500 | 1,389 |
| Average total loans | $427,452,000 | 1,196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,948 |
| Cost of funding earning assets | 0.4417% | 2,860 |
| Net interest margin | 3.9859% | 1,789 |
| Noninterest income to average assets | 0.3103% | 4,240 |
| Noninterest expense to average assets | 2.9392% | 2,320 |
| Loan and lease loss provision to assets | 0.1755% | 1,239 |
| Net operating income to assets | 0.6603% | 3,785 |
| Return on assets (ROA) | 0.6604% | 3,822 |
| Pretax return on assets | 1.0132% | 3,518 |
| Return on Equity (ROE) | 6.1133% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.3179% | 2,563 |
| Net charge-offs to loans | 0.0675% | 2,495 |
| Credit loss provision to net charge-offs | 327.8986% | 876 |
| Earnings coverage of net charge-offs (x) | 22.2029% | 1,864 |
| Efficiency ratio | 71.0788% | 2,384 |
| Assets per employee ($millions) | 6.0696% | 1,469 |
| Cash dividends to net income (ytd only)* | 29.3686% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,344 |
| Loan loss allowance to noncurrent loans | 169.0287% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5993% | 2,554 |
| Noncurrent loans to loans | 0.7544% | 2,313 |
| Net loans and leases to total assets | 78.4373% | 1,225 |
| Net loans and leases to deposits | 87.9020% | 2,030 |
| Net loans and leases to core deposits | 96.3857% | 1,995 |
| Total domestic deposits to total assets | 89.2326% | 895 |
| Equity capital to assets | 10.3983% | 3,272 |
| Core capital (leverage) ratio | 9.4351% | 4,118 |
| Tier 1 risk-based capital ratio | 10.9522% | 5,175 |
| Total risk-based capital ratio | 12.2049% | 5,053 |
| Memoranda: | ||
| Average total assets | $515,583,800 | 1,355 |
| Average earning assets | $493,788,000 | 1,319 |
| Average equity | $55,697,800 | 1,397 |
| Average total loans | $408,836,800 | 1,212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,941 |
| Cost of funding earning assets | 0.4432% | 2,775 |
| Net interest margin | 3.9651% | 1,817 |
| Noninterest income to average assets | 0.3221% | 4,235 |
| Noninterest expense to average assets | 2.9928% | 2,130 |
| Loan and lease loss provision to assets | 0.1903% | 1,020 |
| Net operating income to assets | 0.6212% | 4,311 |
| Return on assets (ROA) | 0.6213% | 4,356 |
| Pretax return on assets | 0.9413% | 3,893 |
| Return on Equity (ROE) | 5.6944% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.2886% | 3,966 |
| Net charge-offs to loans | 0.1444% | 1,382 |
| Credit loss provision to net charge-offs | 166.2844% | 1,561 |
| Earnings coverage of net charge-offs (x) | 9.8853% | 2,653 |
| Efficiency ratio | 72.3951% | 2,155 |
| Assets per employee ($millions) | 6.0216% | 1,475 |
| Cash dividends to net income (ytd only)* | 42.2476% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,459 |
| Loan loss allowance to noncurrent loans | 150.4199% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6516% | 2,547 |
| Noncurrent loans to loans | 0.8512% | 2,237 |
| Net loans and leases to total assets | 75.5757% | 1,665 |
| Net loans and leases to deposits | 84.8247% | 2,456 |
| Net loans and leases to core deposits | 94.1459% | 2,266 |
| Total domestic deposits to total assets | 89.0963% | 831 |
| Equity capital to assets | 10.5923% | 3,268 |
| Core capital (leverage) ratio | 9.5094% | 4,152 |
| Tier 1 risk-based capital ratio | 11.1672% | 5,145 |
| Total risk-based capital ratio | 12.4205% | 5,047 |
| Memoranda: | ||
| Average total assets | $507,914,250 | 1,393 |
| Average earning assets | $487,040,750 | 1,350 |
| Average equity | $55,421,750 | 1,416 |
| Average total loans | $402,544,250 | 1,234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 1,696 |
| Cost of funding earning assets | 0.4544% | 2,562 |
| Net interest margin | 3.9853% | 1,654 |
| Noninterest income to average assets | 0.3276% | 4,201 |
| Noninterest expense to average assets | 3.0664% | 1,921 |
| Loan and lease loss provision to assets | 0.1998% | 923 |
| Net operating income to assets | 0.5787% | 4,396 |
| Return on assets (ROA) | 0.5789% | 4,451 |
| Pretax return on assets | 0.8774% | 4,004 |
| Return on Equity (ROE) | 5.2513% | 4,369 |
| Retained earnings to average equity (ytd only) | 5.2513% | 2,548 |
| Net charge-offs to loans | 0.2361% | 864 |
| Credit loss provision to net charge-offs | 105.4852% | 1,947 |
| Earnings coverage of net charge-offs (x) | 5.6857% | 2,799 |
| Efficiency ratio | 73.7512% | 2,062 |
| Assets per employee ($millions) | 5.8936% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,788 |
| Loan loss allowance to noncurrent loans | 140.5244% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 2,503 |
| Noncurrent loans to loans | 0.8792% | 2,220 |
| Net loans and leases to total assets | 76.8788% | 1,402 |
| Net loans and leases to deposits | 86.6373% | 2,150 |
| Net loans and leases to core deposits | 93.1845% | 2,226 |
| Total domestic deposits to total assets | 88.7364% | 1,092 |
| Equity capital to assets | 10.9531% | 2,856 |
| Core capital (leverage) ratio | 9.5951% | 4,022 |
| Tier 1 risk-based capital ratio | 11.5074% | 4,951 |
| Total risk-based capital ratio | 12.7607% | 4,847 |
| Memoranda: | ||
| Average total assets | $500,584,670 | 1,413 |
| Average earning assets | $479,266,330 | 1,373 |
| Average equity | $55,186,000 | 1,426 |
| Average total loans | $401,501,670 | 1,240 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 1,191 |
| Cost of funding earning assets | 0.4827% | 2,225 |
| Net interest margin | 4.0949% | 1,226 |
| Noninterest income to average assets | 0.3308% | 4,182 |
| Noninterest expense to average assets | 3.1805% | 1,666 |
| Loan and lease loss provision to assets | 0.1820% | 945 |
| Net operating income to assets | 0.5856% | 4,215 |
| Return on assets (ROA) | 0.5856% | 4,261 |
| Pretax return on assets | 0.8865% | 3,818 |
| Return on Equity (ROE) | 5.2945% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.2945% | 2,740 |
| Net charge-offs to loans | -0.0566% | 5,239 |
| Credit loss provision to net charge-offs | -394.7368% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5479% | 2,133 |
| Assets per employee ($millions) | 5.6826% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,558 |
| Loan loss allowance to noncurrent loans | 277.9743% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 3,704 |
| Noncurrent loans to loans | 0.4660% | 3,420 |
| Net loans and leases to total assets | 79.0387% | 977 |
| Net loans and leases to deposits | 89.1131% | 1,655 |
| Net loans and leases to core deposits | 94.7964% | 1,910 |
| Total domestic deposits to total assets | 88.6947% | 1,322 |
| Equity capital to assets | 11.0261% | 2,606 |
| Core capital (leverage) ratio | 8.6947% | 5,054 |
| Tier 1 risk-based capital ratio | 11.3375% | 5,121 |
| Total risk-based capital ratio | 12.5917% | 5,027 |
| Memoranda: | ||
| Average total assets | $494,506,000 | 1,433 |
| Average earning assets | $473,179,500 | 1,398 |
| Average equity | $54,698,500 | 1,431 |
| Average total loans | $402,692,000 | 1,240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 1,892 |
| Cost of funding earning assets | 0.3489% | 3,529 |
| Net interest margin | 4.0278% | 1,563 |
| Noninterest income to average assets | 0.3657% | 4,128 |
| Noninterest expense to average assets | 3.1307% | 1,949 |
| Loan and lease loss provision to assets | 0.1766% | 1,367 |
| Net operating income to assets | 1.6916% | 555 |
| Return on assets (ROA) | 1.7054% | 565 |
| Pretax return on assets | 0.9366% | 3,705 |
| Return on Equity (ROE) | 16.5615% | 449 |
| Retained earnings to average equity (ytd only) | 16.5615% | 80 |
| Net charge-offs to loans | 0.0958% | 2,336 |
| Credit loss provision to net charge-offs | 231.9672% | 1,242 |
| Earnings coverage of net charge-offs (x) | 14.4399% | 2,287 |
| Efficiency ratio | 73.6881% | 2,324 |
| Assets per employee ($millions) | 5.5562% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 3,058 |
| Loan loss allowance to noncurrent loans | 755.7781% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 4,777 |
| Noncurrent loans to loans | 0.1603% | 4,590 |
| Net loans and leases to total assets | 81.8182% | 629 |
| Net loans and leases to deposits | 92.3663% | 1,399 |
| Net loans and leases to core deposits | 98.2135% | 1,754 |
| Total domestic deposits to total assets | 88.5801% | 1,333 |
| Equity capital to assets | 11.0972% | 2,543 |
| Core capital (leverage) ratio | 9.0409% | 4,689 |
| Tier 1 risk-based capital ratio | 10.8215% | 5,420 |
| Total risk-based capital ratio | 12.0790% | 5,316 |
| Memoranda: | ||
| Average total assets | $480,662,400 | 1,429 |
| Average earning assets | $461,165,600 | 1,380 |
| Average equity | $49,494,400 | 1,532 |
| Average total loans | $382,221,800 | 1,245 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 1,946 |
| Cost of funding earning assets | 0.3364% | 3,694 |
| Net interest margin | 4.0332% | 1,570 |
| Noninterest income to average assets | 0.3661% | 4,161 |
| Noninterest expense to average assets | 3.1625% | 1,873 |
| Loan and lease loss provision to assets | 0.0488% | 3,272 |
| Net operating income to assets | 1.1751% | 1,716 |
| Return on assets (ROA) | 1.1935% | 1,758 |
| Pretax return on assets | 1.0472% | 3,439 |
| Return on Equity (ROE) | 11.8250% | 1,381 |
| Retained earnings to average equity (ytd only) | 11.8250% | 328 |
| Net charge-offs to loans | -0.1307% | 5,658 |
| Credit loss provision to net charge-offs | -47.4255% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2641% | 2,234 |
| Assets per employee ($millions) | 5.5838% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,003 |
| Loan loss allowance to noncurrent loans | 2,684.3243% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 4,909 |
| Noncurrent loans to loans | 0.0463% | 5,175 |
| Net loans and leases to total assets | 79.4263% | 983 |
| Net loans and leases to deposits | 91.9090% | 1,512 |
| Net loans and leases to core deposits | 97.2914% | 1,882 |
| Total domestic deposits to total assets | 86.4184% | 2,159 |
| Equity capital to assets | 10.1948% | 3,924 |
| Core capital (leverage) ratio | 9.4530% | 4,244 |
| Tier 1 risk-based capital ratio | 10.7611% | 5,496 |
| Total risk-based capital ratio | 12.0154% | 5,399 |
| Memoranda: | ||
| Average total assets | $478,592,000 | 1,434 |
| Average earning assets | $459,704,750 | 1,391 |
| Average equity | $48,303,250 | 1,572 |
| Average total loans | $376,539,750 | 1,251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 1,972 |
| Cost of funding earning assets | 0.3382% | 3,716 |
| Net interest margin | 4.0164% | 1,592 |
| Noninterest income to average assets | 0.3759% | 4,058 |
| Noninterest expense to average assets | 3.2328% | 1,735 |
| Loan and lease loss provision to assets | -0.0212% | 5,789 |
| Net operating income to assets | 1.1688% | 1,706 |
| Return on assets (ROA) | 1.1874% | 1,747 |
| Pretax return on assets | 1.0392% | 3,436 |
| Return on Equity (ROE) | 11.8065% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.8065% | 354 |
| Net charge-offs to loans | -0.0559% | 5,413 |
| Credit loss provision to net charge-offs | 48.5437% | 2,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0652% | 2,069 |
| Assets per employee ($millions) | 5.2508% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,385 |
| Loan loss allowance to noncurrent loans | 950.1062% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 5,064 |
| Noncurrent loans to loans | 0.1260% | 4,933 |
| Net loans and leases to total assets | 78.1689% | 1,178 |
| Net loans and leases to deposits | 87.6490% | 2,049 |
| Net loans and leases to core deposits | 92.7349% | 2,283 |
| Total domestic deposits to total assets | 89.1840% | 824 |
| Equity capital to assets | 10.4027% | 3,742 |
| Core capital (leverage) ratio | 9.3202% | 4,434 |
| Tier 1 risk-based capital ratio | 11.0502% | 5,401 |
| Total risk-based capital ratio | 12.3038% | 5,311 |
| Memoranda: | ||
| Average total assets | $472,469,330 | 1,451 |
| Average earning assets | $453,643,670 | 1,415 |
| Average equity | $47,516,330 | 1,596 |
| Average total loans | $368,825,330 | 1,272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,293 |
| Cost of funding earning assets | 0.3378% | 3,750 |
| Net interest margin | 3.9149% | 1,894 |
| Noninterest income to average assets | 0.3929% | 3,884 |
| Noninterest expense to average assets | 3.2149% | 1,807 |
| Loan and lease loss provision to assets | -0.0212% | 5,909 |
| Net operating income to assets | 1.1354% | 1,767 |
| Return on assets (ROA) | 1.1727% | 1,740 |
| Pretax return on assets | 0.9949% | 3,499 |
| Return on Equity (ROE) | 11.8644% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.8644% | 525 |
| Net charge-offs to loans | -0.0164% | 4,767 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1161% | 2,025 |
| Assets per employee ($millions) | 5.5286% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,482 |
| Loan loss allowance to noncurrent loans | 167.8843% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 3,267 |
| Noncurrent loans to loans | 0.7147% | 3,047 |
| Net loans and leases to total assets | 76.4069% | 1,330 |
| Net loans and leases to deposits | 85.2563% | 2,164 |
| Net loans and leases to core deposits | 89.8359% | 2,390 |
| Total domestic deposits to total assets | 89.6203% | 768 |
| Equity capital to assets | 10.0131% | 4,064 |
| Core capital (leverage) ratio | 9.0204% | 4,831 |
| Tier 1 risk-based capital ratio | 10.9053% | 5,549 |
| Total risk-based capital ratio | 12.1586% | 5,457 |
| Memoranda: | ||
| Average total assets | $472,419,000 | 1,453 |
| Average earning assets | $453,546,000 | 1,412 |
| Average equity | $46,694,500 | 1,612 |
| Average total loans | $366,299,000 | 1,280 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,349 |
| Cost of funding earning assets | 0.3515% | 3,686 |
| Net interest margin | 3.9084% | 2,002 |
| Noninterest income to average assets | 0.3029% | 4,713 |
| Noninterest expense to average assets | 3.2038% | 1,963 |
| Loan and lease loss provision to assets | 0.1159% | 2,062 |
| Net operating income to assets | 0.9815% | 2,459 |
| Return on assets (ROA) | 1.0037% | 2,436 |
| Pretax return on assets | 0.7632% | 4,323 |
| Return on Equity (ROE) | 10.3171% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.3171% | 418 |
| Net charge-offs to loans | -0.0415% | 5,504 |
| Credit loss provision to net charge-offs | -370.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5392% | 1,880 |
| Assets per employee ($millions) | 5.3339% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 3,406 |
| Loan loss allowance to noncurrent loans | 144.9361% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 2,804 |
| Noncurrent loans to loans | 0.8361% | 2,695 |
| Net loans and leases to total assets | 76.7994% | 1,286 |
| Net loans and leases to deposits | 85.3812% | 2,200 |
| Net loans and leases to core deposits | 89.8485% | 2,414 |
| Total domestic deposits to total assets | 89.9489% | 649 |
| Equity capital to assets | 9.7535% | 4,237 |
| Core capital (leverage) ratio | 8.7489% | 5,167 |
| Tier 1 risk-based capital ratio | 10.7204% | 5,658 |
| Total risk-based capital ratio | 11.9752% | 5,574 |
| Memoranda: | ||
| Average total assets | $447,056,600 | 1,499 |
| Average earning assets | $429,847,600 | 1,454 |
| Average equity | $43,490,800 | 1,689 |
| Average total loans | $337,509,600 | 1,325 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 2,484 |
| Cost of funding earning assets | 0.3520% | 3,736 |
| Net interest margin | 3.8784% | 2,103 |
| Noninterest income to average assets | 0.3026% | 4,773 |
| Noninterest expense to average assets | 3.1980% | 1,973 |
| Loan and lease loss provision to assets | 0.1063% | 2,094 |
| Net operating income to assets | 0.8858% | 3,016 |
| Return on assets (ROA) | 0.9118% | 2,994 |
| Pretax return on assets | 0.7517% | 4,484 |
| Return on Equity (ROE) | 9.3788% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.3788% | 769 |
| Net charge-offs to loans | -0.0585% | 5,592 |
| Credit loss provision to net charge-offs | -242.7586% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9868% | 1,808 |
| Assets per employee ($millions) | 5.3705% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,563 |
| Loan loss allowance to noncurrent loans | 105.5225% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 2,404 |
| Noncurrent loans to loans | 1.1517% | 2,209 |
| Net loans and leases to total assets | 74.9883% | 1,546 |
| Net loans and leases to deposits | 83.3730% | 2,474 |
| Net loans and leases to core deposits | 88.1047% | 2,654 |
| Total domestic deposits to total assets | 89.9431% | 592 |
| Equity capital to assets | 9.6507% | 4,574 |
| Core capital (leverage) ratio | 8.7209% | 5,328 |
| Tier 1 risk-based capital ratio | 10.9611% | 5,673 |
| Total risk-based capital ratio | 12.2153% | 5,581 |
| Memoranda: | ||
| Average total assets | $441,475,500 | 1,527 |
| Average earning assets | $424,290,250 | 1,472 |
| Average equity | $42,918,250 | 1,720 |
| Average total loans | $330,661,000 | 1,353 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 2,520 |
| Cost of funding earning assets | 0.3460% | 3,857 |
| Net interest margin | 3.8615% | 2,100 |
| Noninterest income to average assets | 0.3078% | 4,753 |
| Noninterest expense to average assets | 3.2208% | 1,918 |
| Loan and lease loss provision to assets | 0.0911% | 2,298 |
| Net operating income to assets | 0.8627% | 3,070 |
| Return on assets (ROA) | 0.8820% | 3,093 |
| Pretax return on assets | 0.7233% | 4,586 |
| Return on Equity (ROE) | 9.0496% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.0496% | 904 |
| Net charge-offs to loans | -0.0833% | 5,719 |
| Credit loss provision to net charge-offs | -146.6667% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8350% | 1,787 |
| Assets per employee ($millions) | 5.3351% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 3,663 |
| Loan loss allowance to noncurrent loans | 255.9026% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 4,291 |
| Noncurrent loans to loans | 0.4773% | 4,041 |
| Net loans and leases to total assets | 71.3828% | 2,095 |
| Net loans and leases to deposits | 79.0372% | 2,903 |
| Net loans and leases to core deposits | 83.2493% | 3,054 |
| Total domestic deposits to total assets | 90.3154% | 529 |
| Equity capital to assets | 9.3153% | 4,880 |
| Core capital (leverage) ratio | 8.8402% | 5,174 |
| Tier 1 risk-based capital ratio | 11.2695% | 5,589 |
| Total risk-based capital ratio | 12.5236% | 5,514 |
| Memoranda: | ||
| Average total assets | $434,679,670 | 1,553 |
| Average earning assets | $417,401,000 | 1,502 |
| Average equity | $42,366,670 | 1,745 |
| Average total loans | $324,013,330 | 1,383 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,367 |
| Cost of funding earning assets | 0.3426% | 3,957 |
| Net interest margin | 3.8823% | 1,955 |
| Noninterest income to average assets | 0.2951% | 4,811 |
| Noninterest expense to average assets | 3.3932% | 1,504 |
| Loan and lease loss provision to assets | 0.0569% | 2,792 |
| Net operating income to assets | 0.7155% | 3,725 |
| Return on assets (ROA) | 0.7553% | 3,646 |
| Pretax return on assets | 0.5940% | 4,932 |
| Return on Equity (ROE) | 7.3144% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.3144% | 1,851 |
| Net charge-offs to loans | -0.0478% | 5,495 |
| Credit loss provision to net charge-offs | -157.8947% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3602% | 1,334 |
| Assets per employee ($millions) | 5.0374% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,017 |
| Loan loss allowance to noncurrent loans | 122.2926% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,981 |
| Noncurrent loans to loans | 0.9768% | 2,816 |
| Net loans and leases to total assets | 74.6071% | 1,415 |
| Net loans and leases to deposits | 83.5054% | 2,143 |
| Net loans and leases to core deposits | 88.3664% | 2,289 |
| Total domestic deposits to total assets | 89.3440% | 1,072 |
| Equity capital to assets | 10.2884% | 3,789 |
| Core capital (leverage) ratio | 9.1216% | 4,822 |
| Tier 1 risk-based capital ratio | 11.5030% | 5,556 |
| Total risk-based capital ratio | 12.7533% | 5,470 |
| Memoranda: | ||
| Average total assets | $421,543,000 | 1,605 |
| Average earning assets | $402,753,500 | 1,549 |
| Average equity | $43,530,500 | 1,710 |
| Average total loans | $318,309,500 | 1,408 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,140 |
| Cost of funding earning assets | 0.3578% | 4,166 |
| Net interest margin | 4.0672% | 1,690 |
| Noninterest income to average assets | 0.2825% | 5,101 |
| Noninterest expense to average assets | 3.8130% | 971 |
| Loan and lease loss provision to assets | -0.1260% | 6,190 |
| Net operating income to assets | 0.5938% | 4,402 |
| Return on assets (ROA) | 0.5938% | 4,483 |
| Pretax return on assets | 0.4549% | 5,375 |
| Return on Equity (ROE) | 5.6007% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.6007% | 2,191 |
| Net charge-offs to loans | 0.0689% | 3,493 |
| Credit loss provision to net charge-offs | -246.2687% | 5,673 |
| Earnings coverage of net charge-offs (x) | 6.4279% | 3,203 |
| Efficiency ratio | 91.6114% | 731 |
| Assets per employee ($millions) | 4.8245% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,985 |
| Loan loss allowance to noncurrent loans | 122.1285% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.8510% | 3,076 |
| Noncurrent loans to loans | 0.9837% | 2,870 |
| Net loans and leases to total assets | 74.6049% | 1,477 |
| Net loans and leases to deposits | 83.5887% | 2,264 |
| Net loans and leases to core deposits | 89.2115% | 2,361 |
| Total domestic deposits to total assets | 89.2524% | 1,093 |
| Equity capital to assets | 10.3658% | 3,652 |
| Core capital (leverage) ratio | 9.3814% | 4,413 |
| Tier 1 risk-based capital ratio | 11.9952% | 5,370 |
| Total risk-based capital ratio | 13.2457% | 5,271 |
| Memoranda: | ||
| Average total assets | $392,864,200 | 1,667 |
| Average earning assets | $372,783,800 | 1,622 |
| Average equity | $41,655,400 | 1,723 |
| Average total loans | $291,689,200 | 1,466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 2,244 |
| Cost of funding earning assets | 0.3506% | 4,337 |
| Net interest margin | 4.0442% | 1,743 |
| Noninterest income to average assets | 0.2999% | 5,055 |
| Noninterest expense to average assets | 3.7664% | 1,016 |
| Loan and lease loss provision to assets | -0.1273% | 6,322 |
| Net operating income to assets | 0.6938% | 3,974 |
| Return on assets (ROA) | 0.6938% | 4,063 |
| Pretax return on assets | 0.5364% | 5,216 |
| Return on Equity (ROE) | 7.0334% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.0334% | 1,805 |
| Net charge-offs to loans | 0.1130% | 2,673 |
| Credit loss provision to net charge-offs | -147.0588% | 5,506 |
| Earnings coverage of net charge-offs (x) | 4.7285% | 3,391 |
| Efficiency ratio | 89.7224% | 862 |
| Assets per employee ($millions) | 4.7652% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 3,663 |
| Loan loss allowance to noncurrent loans | 125.8261% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 2,982 |
| Noncurrent loans to loans | 1.0307% | 3,011 |
| Net loans and leases to total assets | 75.6094% | 1,268 |
| Net loans and leases to deposits | 84.2586% | 2,114 |
| Net loans and leases to core deposits | 89.9271% | 2,231 |
| Total domestic deposits to total assets | 89.7349% | 857 |
| Equity capital to assets | 9.7637% | 4,464 |
| Core capital (leverage) ratio | 9.0198% | 5,051 |
| Tier 1 risk-based capital ratio | 11.8887% | 5,562 |
| Total risk-based capital ratio | 13.1407% | 5,483 |
| Memoranda: | ||
| Average total assets | $340,511,750 | 1,919 |
| Average earning assets | $326,322,000 | 1,850 |
| Average equity | $33,591,250 | 2,077 |
| Average total loans | $260,660,000 | 1,630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,200 |
| Cost of funding earning assets | 0.3396% | 4,542 |
| Net interest margin | 4.0525% | 1,655 |
| Noninterest income to average assets | 0.2752% | 5,227 |
| Noninterest expense to average assets | 3.7162% | 1,114 |
| Loan and lease loss provision to assets | -0.0446% | 6,289 |
| Net operating income to assets | 0.6372% | 4,169 |
| Return on assets (ROA) | 0.6372% | 4,272 |
| Pretax return on assets | 0.4838% | 5,318 |
| Return on Equity (ROE) | 6.4361% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.4361% | 2,073 |
| Net charge-offs to loans | 0.1623% | 2,096 |
| Credit loss provision to net charge-offs | -35.8852% | 5,136 |
| Earnings coverage of net charge-offs (x) | 3.5359% | 3,281 |
| Efficiency ratio | 88.9286% | 998 |
| Assets per employee ($millions) | 4.8169% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 3,155 |
| Loan loss allowance to noncurrent loans | 129.0267% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 2,987 |
| Noncurrent loans to loans | 1.1148% | 2,989 |
| Net loans and leases to total assets | 72.3757% | 1,675 |
| Net loans and leases to deposits | 80.3837% | 2,465 |
| Net loans and leases to core deposits | 85.9340% | 2,523 |
| Total domestic deposits to total assets | 90.0377% | 790 |
| Equity capital to assets | 9.5168% | 4,729 |
| Core capital (leverage) ratio | 9.5114% | 4,317 |
| Tier 1 risk-based capital ratio | 12.2267% | 5,402 |
| Total risk-based capital ratio | 13.4808% | 5,315 |
| Memoranda: | ||
| Average total assets | $336,474,670 | 1,942 |
| Average earning assets | $322,170,670 | 1,870 |
| Average equity | $33,312,000 | 2,077 |
| Average total loans | $257,507,000 | 1,645 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 1,834 |
| Cost of funding earning assets | 0.3394% | 4,652 |
| Net interest margin | 4.1533% | 1,330 |
| Noninterest income to average assets | 0.3222% | 4,788 |
| Noninterest expense to average assets | 3.7870% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6604% | 3,889 |
| Return on assets (ROA) | 0.6604% | 3,984 |
| Pretax return on assets | 0.5084% | 5,145 |
| Return on Equity (ROE) | 6.5320% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.5320% | 2,264 |
| Net charge-offs to loans | 0.3884% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6734% | 3,045 |
| Efficiency ratio | 87.6783% | 1,261 |
| Assets per employee ($millions) | 4.5540% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 3,180 |
| Loan loss allowance to noncurrent loans | 127.2940% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 2,953 |
| Noncurrent loans to loans | 1.1704% | 3,092 |
| Net loans and leases to total assets | 76.6495% | 926 |
| Net loans and leases to deposits | 87.2505% | 1,443 |
| Net loans and leases to core deposits | 93.5452% | 1,591 |
| Total domestic deposits to total assets | 87.8499% | 2,312 |
| Equity capital to assets | 10.1653% | 3,645 |
| Core capital (leverage) ratio | 9.6707% | 4,031 |
| Tier 1 risk-based capital ratio | 12.4055% | 5,362 |
| Total risk-based capital ratio | 13.6600% | 5,301 |
| Memoranda: | ||
| Average total assets | $326,485,000 | 2,002 |
| Average earning assets | $312,326,500 | 1,930 |
| Average equity | $33,006,500 | 2,089 |
| Average total loans | $255,385,000 | 1,667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,949 |
| Cost of funding earning assets | 0.3502% | 5,135 |
| Net interest margin | 4.2242% | 1,289 |
| Noninterest income to average assets | 0.3657% | 4,696 |
| Noninterest expense to average assets | 3.9454% | 924 |
| Loan and lease loss provision to assets | -0.0231% | 6,305 |
| Net operating income to assets | 0.5706% | 4,409 |
| Return on assets (ROA) | 0.6047% | 4,359 |
| Pretax return on assets | 0.5040% | 5,198 |
| Return on Equity (ROE) | 5.8611% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.8611% | 2,061 |
| Net charge-offs to loans | -0.1093% | 6,492 |
| Credit loss provision to net charge-offs | 27.6265% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2569% | 1,087 |
| Assets per employee ($millions) | 4.3344% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 2,825 |
| Loan loss allowance to noncurrent loans | 230.3185% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 3,913 |
| Noncurrent loans to loans | 0.6877% | 4,254 |
| Net loans and leases to total assets | 77.3945% | 901 |
| Net loans and leases to deposits | 86.4667% | 1,628 |
| Net loans and leases to core deposits | 93.3427% | 1,646 |
| Total domestic deposits to total assets | 89.5078% | 1,330 |
| Equity capital to assets | 10.0535% | 3,687 |
| Core capital (leverage) ratio | 9.6381% | 4,069 |
| Tier 1 risk-based capital ratio | 12.3472% | 5,395 |
| Total risk-based capital ratio | 13.6033% | 5,318 |
| Memoranda: | ||
| Average total assets | $307,925,200 | 2,092 |
| Average earning assets | $293,522,200 | 2,018 |
| Average equity | $31,768,800 | 2,143 |
| Average total loans | $235,102,400 | 1,759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 1,976 |
| Cost of funding earning assets | 0.3492% | 5,302 |
| Net interest margin | 4.2214% | 1,275 |
| Noninterest income to average assets | 0.3706% | 4,747 |
| Noninterest expense to average assets | 3.9779% | 879 |
| Loan and lease loss provision to assets | -0.0312% | 6,513 |
| Net operating income to assets | 0.4417% | 5,062 |
| Return on assets (ROA) | 0.4879% | 5,006 |
| Pretax return on assets | 0.4879% | 5,389 |
| Return on Equity (ROE) | 4.6965% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.6965% | 3,312 |
| Net charge-offs to loans | -0.0991% | 6,494 |
| Credit loss provision to net charge-offs | 41.5205% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0540% | 986 |
| Assets per employee ($millions) | 4.1733% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 2,812 |
| Loan loss allowance to noncurrent loans | 219.6785% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 4,005 |
| Noncurrent loans to loans | 0.7494% | 4,349 |
| Net loans and leases to total assets | 76.6666% | 907 |
| Net loans and leases to deposits | 86.0889% | 1,606 |
| Net loans and leases to core deposits | 93.0376% | 1,666 |
| Total domestic deposits to total assets | 89.0553% | 1,528 |
| Equity capital to assets | 10.3162% | 3,482 |
| Core capital (leverage) ratio | 10.0841% | 3,551 |
| Tier 1 risk-based capital ratio | 12.8472% | 5,229 |
| Total risk-based capital ratio | 14.1043% | 5,165 |
| Memoranda: | ||
| Average total assets | $303,636,500 | 2,134 |
| Average earning assets | $288,996,000 | 2,063 |
| Average equity | $31,540,500 | 2,175 |
| Average total loans | $229,967,250 | 1,792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,958 |
| Cost of funding earning assets | 0.3487% | 5,418 |
| Net interest margin | 4.2203% | 1,225 |
| Noninterest income to average assets | 0.3855% | 4,625 |
| Noninterest expense to average assets | 4.0231% | 840 |
| Loan and lease loss provision to assets | -0.0470% | 6,643 |
| Net operating income to assets | 0.4180% | 5,148 |
| Return on assets (ROA) | 0.4876% | 5,027 |
| Pretax return on assets | 0.4876% | 5,414 |
| Return on Equity (ROE) | 4.6828% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.6828% | 3,275 |
| Net charge-offs to loans | -0.0636% | 6,350 |
| Credit loss provision to net charge-offs | 98.6111% | 2,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9392% | 989 |
| Assets per employee ($millions) | 3.9418% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 3,035 |
| Loan loss allowance to noncurrent loans | 207.9656% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9996% | 3,758 |
| Noncurrent loans to loans | 0.7850% | 4,344 |
| Net loans and leases to total assets | 78.7577% | 662 |
| Net loans and leases to deposits | 88.7267% | 1,262 |
| Net loans and leases to core deposits | 96.6902% | 1,297 |
| Total domestic deposits to total assets | 88.7644% | 1,751 |
| Equity capital to assets | 10.6761% | 3,091 |
| Core capital (leverage) ratio | 10.1308% | 3,318 |
| Tier 1 risk-based capital ratio | 12.7256% | 5,344 |
| Total risk-based capital ratio | 13.9820% | 5,270 |
| Memoranda: | ||
| Average total assets | $301,907,330 | 2,153 |
| Average earning assets | $286,758,000 | 2,086 |
| Average equity | $31,434,330 | 2,187 |
| Average total loans | $226,380,330 | 1,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,438 |
| Cost of funding earning assets | 0.3464% | 5,574 |
| Net interest margin | 4.0789% | 1,527 |
| Noninterest income to average assets | 0.2111% | 5,974 |
| Noninterest expense to average assets | 3.8722% | 1,031 |
| Loan and lease loss provision to assets | -0.0275% | 6,761 |
| Net operating income to assets | 0.2269% | 5,803 |
| Return on assets (ROA) | 0.3645% | 5,420 |
| Pretax return on assets | 0.3645% | 5,661 |
| Return on Equity (ROE) | 3.5447% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.5447% | 4,115 |
| Net charge-offs to loans | -0.1483% | 6,600 |
| Credit loss provision to net charge-offs | 25.6098% | 2,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4283% | 807 |
| Assets per employee ($millions) | 3.9642% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 2,871 |
| Loan loss allowance to noncurrent loans | 195.1268% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 2,829 |
| Noncurrent loans to loans | 0.8872% | 4,364 |
| Net loans and leases to total assets | 74.9173% | 971 |
| Net loans and leases to deposits | 84.2534% | 1,565 |
| Net loans and leases to core deposits | 91.5491% | 1,551 |
| Total domestic deposits to total assets | 88.9191% | 1,726 |
| Equity capital to assets | 10.5677% | 3,466 |
| Core capital (leverage) ratio | 9.8299% | 3,624 |
| Tier 1 risk-based capital ratio | 13.6751% | 4,741 |
| Total risk-based capital ratio | 14.9336% | 4,699 |
| Memoranda: | ||
| Average total assets | $305,045,000 | 2,152 |
| Average earning assets | $288,707,500 | 2,091 |
| Average equity | $31,370,500 | 2,218 |
| Average total loans | $221,222,000 | 1,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 1,611 |
| Cost of funding earning assets | 0.4252% | 5,750 |
| Net interest margin | 4.5567% | 846 |
| Noninterest income to average assets | 0.3781% | 4,766 |
| Noninterest expense to average assets | 4.3805% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2663% | 5,587 |
| Return on assets (ROA) | 0.2663% | 5,801 |
| Pretax return on assets | 0.2663% | 5,889 |
| Return on Equity (ROE) | 2.4372% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.4372% | 4,521 |
| Net charge-offs to loans | -0.0084% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5744% | 825 |
| Assets per employee ($millions) | 4.2267% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,618 |
| Loan loss allowance to noncurrent loans | 301.0912% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 3,293 |
| Noncurrent loans to loans | 0.5946% | 5,039 |
| Net loans and leases to total assets | 67.7537% | 2,226 |
| Net loans and leases to deposits | 75.7207% | 2,848 |
| Net loans and leases to core deposits | 81.5722% | 2,813 |
| Total domestic deposits to total assets | 89.4784% | 1,259 |
| Equity capital to assets | 10.0142% | 4,145 |
| Core capital (leverage) ratio | 9.7433% | 3,747 |
| Tier 1 risk-based capital ratio | 14.3293% | 4,147 |
| Total risk-based capital ratio | 15.5889% | 4,096 |
| Memoranda: | ||
| Average total assets | $266,592,400 | 2,379 |
| Average earning assets | $249,743,000 | 2,329 |
| Average equity | $29,132,200 | 2,308 |
| Average total loans | $190,170,800 | 2,092 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,272 |
| Cost of funding earning assets | 0.4533% | 5,767 |
| Net interest margin | 4.7097% | 662 |
| Noninterest income to average assets | 0.3476% | 5,037 |
| Noninterest expense to average assets | 4.4770% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2703% | 5,718 |
| Return on assets (ROA) | 0.2703% | 5,911 |
| Pretax return on assets | 0.2703% | 6,009 |
| Return on Equity (ROE) | 2.4115% | 5,915 |
| Retained earnings to average equity (ytd only) | 2.4115% | 5,128 |
| Net charge-offs to loans | 0.1262% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.9713% | 3,837 |
| Efficiency ratio | 93.6020% | 802 |
| Assets per employee ($millions) | 3.8543% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,796 |
| Loan loss allowance to noncurrent loans | 168.4090% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7232% | 3,021 |
| Noncurrent loans to loans | 1.0693% | 4,305 |
| Net loans and leases to total assets | 72.1760% | 1,522 |
| Net loans and leases to deposits | 81.8722% | 2,137 |
| Net loans and leases to core deposits | 87.9634% | 2,219 |
| Total domestic deposits to total assets | 88.1569% | 1,951 |
| Equity capital to assets | 11.2838% | 2,953 |
| Core capital (leverage) ratio | 11.0351% | 2,344 |
| Tier 1 risk-based capital ratio | 15.1971% | 3,707 |
| Total risk-based capital ratio | 16.4572% | 3,649 |
| Memoranda: | ||
| Average total assets | $255,046,250 | 2,504 |
| Average earning assets | $238,252,750 | 2,455 |
| Average equity | $28,584,750 | 2,366 |
| Average total loans | $183,768,250 | 2,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 1,000 |
| Cost of funding earning assets | 0.4982% | 5,634 |
| Net interest margin | 4.8253% | 534 |
| Noninterest income to average assets | 0.2876% | 5,511 |
| Noninterest expense to average assets | 4.5864% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2004% | 5,916 |
| Return on assets (ROA) | 0.2004% | 6,099 |
| Pretax return on assets | 0.2004% | 6,150 |
| Return on Equity (ROE) | 1.7922% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.7922% | 5,297 |
| Net charge-offs to loans | -0.1277% | 6,908 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1055% | 748 |
| Assets per employee ($millions) | 3.5073% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 2,017 |
| Loan loss allowance to noncurrent loans | 113.9241% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.9900% | 2,790 |
| Noncurrent loans to loans | 1.8372% | 3,170 |
| Net loans and leases to total assets | 72.3513% | 1,505 |
| Net loans and leases to deposits | 82.8610% | 1,998 |
| Net loans and leases to core deposits | 90.1334% | 1,969 |
| Total domestic deposits to total assets | 87.3165% | 2,589 |
| Equity capital to assets | 12.0875% | 2,081 |
| Core capital (leverage) ratio | 11.7976% | 1,725 |
| Tier 1 risk-based capital ratio | 16.2250% | 3,051 |
| Total risk-based capital ratio | 17.4888% | 3,008 |
| Memoranda: | ||
| Average total assets | $247,557,670 | 2,576 |
| Average earning assets | $230,825,330 | 2,518 |
| Average equity | $27,675,000 | 2,426 |
| Average total loans | $177,034,330 | 2,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 662 |
| Cost of funding earning assets | 0.5556% | 5,461 |
| Net interest margin | 5.0181% | 388 |
| Noninterest income to average assets | 0.2071% | 6,144 |
| Noninterest expense to average assets | 4.6836% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1858% | 6,026 |
| Return on assets (ROA) | 0.1858% | 6,167 |
| Pretax return on assets | 0.1858% | 6,225 |
| Return on Equity (ROE) | 1.7359% | 6,150 |
| Retained earnings to average equity (ytd only) | 1.7359% | 5,368 |
| Net charge-offs to loans | -0.1802% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4760% | 746 |
| Assets per employee ($millions) | 3.3225% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 1,829 |
| Loan loss allowance to noncurrent loans | 66.5875% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.2187% | 1,796 |
| Noncurrent loans to loans | 3.3474% | 1,896 |
| Net loans and leases to total assets | 72.9640% | 1,229 |
| Net loans and leases to deposits | 82.6290% | 1,842 |
| Net loans and leases to core deposits | 90.8789% | 1,765 |
| Total domestic deposits to total assets | 88.3031% | 2,130 |
| Equity capital to assets | 11.0615% | 2,832 |
| Core capital (leverage) ratio | 9.8371% | 3,586 |
| Tier 1 risk-based capital ratio | 14.3974% | 4,180 |
| Total risk-based capital ratio | 15.6632% | 4,136 |
| Memoranda: | ||
| Average total assets | $243,319,500 | 2,628 |
| Average earning assets | $226,059,500 | 2,582 |
| Average equity | $26,038,500 | 2,570 |
| Average total loans | $170,949,500 | 2,350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 2,209 |
| Cost of funding earning assets | 0.8293% | 4,631 |
| Net interest margin | 4.3347% | 1,589 |
| Noninterest income to average assets | 0.0113% | 6,950 |
| Noninterest expense to average assets | 5.0403% | 373 |
| Loan and lease loss provision to assets | 0.1719% | 4,482 |
| Net operating income to assets | -1.2026% | 6,822 |
| Return on assets (ROA) | -1.0351% | 6,774 |
| Pretax return on assets | -1.0351% | 6,746 |
| Return on Equity (ROE) | -9.2941% | 6,725 |
| Retained earnings to average equity (ytd only) | -9.2941% | 6,681 |
| Net charge-offs to loans | 0.1740% | 4,756 |
| Credit loss provision to net charge-offs | 142.5993% | 2,041 |
| Earnings coverage of net charge-offs (x) | -8.5523% | 6,388 |
| Efficiency ratio | 124.8399% | 267 |
| Assets per employee ($millions) | 3.4348% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 1,593 |
| Loan loss allowance to noncurrent loans | 62.3804% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 3.3852% | 1,752 |
| Noncurrent loans to loans | 3.7184% | 1,694 |
| Net loans and leases to total assets | 64.6114% | 3,057 |
| Net loans and leases to deposits | 72.6178% | 3,718 |
| Net loans and leases to core deposits | 78.6425% | 3,612 |
| Total domestic deposits to total assets | 88.9746% | 1,552 |
| Equity capital to assets | 10.3626% | 3,693 |
| Core capital (leverage) ratio | 9.7223% | 3,717 |
| Tier 1 risk-based capital ratio | 15.1341% | 3,554 |
| Total risk-based capital ratio | 16.4007% | 3,512 |
| Memoranda: | ||
| Average total assets | $229,827,000 | 2,721 |
| Average earning assets | $211,984,600 | 2,711 |
| Average equity | $25,597,000 | 2,513 |
| Average total loans | $159,209,600 | 2,507 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 2,256 |
| Cost of funding earning assets | 0.8905% | 4,468 |
| Net interest margin | 4.2964% | 1,727 |
| Noninterest income to average assets | 0.0861% | 6,807 |
| Noninterest expense to average assets | 5.2032% | 312 |
| Loan and lease loss provision to assets | 0.1929% | 4,093 |
| Net operating income to assets | -1.3547% | 7,003 |
| Return on assets (ROA) | -1.1261% | 6,956 |
| Pretax return on assets | -1.1261% | 6,914 |
| Return on Equity (ROE) | -9.9185% | 6,888 |
| Retained earnings to average equity (ytd only) | -9.9185% | 6,852 |
| Net charge-offs to loans | 0.1269% | 4,775 |
| Credit loss provision to net charge-offs | 216.6667% | 1,320 |
| Earnings coverage of net charge-offs (x) | -13.0464% | 6,141 |
| Efficiency ratio | 127.8937% | 243 |
| Assets per employee ($millions) | 3.0838% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3429% | 1,627 |
| Loan loss allowance to noncurrent loans | 40.1398% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 5.1827% | 1,103 |
| Noncurrent loans to loans | 5.8369% | 975 |
| Net loans and leases to total assets | 72.2854% | 1,650 |
| Net loans and leases to deposits | 82.5497% | 2,250 |
| Net loans and leases to core deposits | 91.8199% | 2,020 |
| Total domestic deposits to total assets | 87.5660% | 2,314 |
| Equity capital to assets | 11.7499% | 2,449 |
| Core capital (leverage) ratio | 10.8157% | 2,559 |
| Tier 1 risk-based capital ratio | 15.4625% | 3,406 |
| Total risk-based capital ratio | 16.7301% | 3,371 |
| Memoranda: | ||
| Average total assets | $224,599,000 | 2,793 |
| Average earning assets | $206,771,500 | 2,772 |
| Average equity | $25,500,500 | 2,528 |
| Average total loans | $157,548,750 | 2,557 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 2,419 |
| Cost of funding earning assets | 0.9385% | 4,401 |
| Net interest margin | 4.2216% | 1,949 |
| Noninterest income to average assets | -0.0143% | 7,215 |
| Noninterest expense to average assets | 5.2480% | 305 |
| Loan and lease loss provision to assets | 0.2005% | 3,917 |
| Net operating income to assets | -1.5782% | 7,118 |
| Return on assets (ROA) | -1.2654% | 7,032 |
| Pretax return on assets | -1.2654% | 6,984 |
| Return on Equity (ROE) | -11.2771% | 6,974 |
| Retained earnings to average equity (ytd only) | -11.2771% | 6,921 |
| Net charge-offs to loans | 0.2809% | 3,477 |
| Credit loss provision to net charge-offs | 103.6866% | 2,982 |
| Earnings coverage of net charge-offs (x) | -7.1244% | 5,813 |
| Efficiency ratio | 134.7686% | 227 |
| Assets per employee ($millions) | 3.1811% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3546% | 1,657 |
| Loan loss allowance to noncurrent loans | 35.4017% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 5.5808% | 1,053 |
| Noncurrent loans to loans | 6.6511% | 817 |
| Net loans and leases to total assets | 69.5957% | 2,300 |
| Net loans and leases to deposits | 79.6735% | 2,852 |
| Net loans and leases to core deposits | 89.0250% | 2,495 |
| Total domestic deposits to total assets | 87.3511% | 2,548 |
| Equity capital to assets | 12.0076% | 2,078 |
| Core capital (leverage) ratio | 10.9073% | 2,336 |
| Tier 1 risk-based capital ratio | 16.1886% | 2,888 |
| Total risk-based capital ratio | 17.4557% | 2,846 |
| Memoranda: | ||
| Average total assets | $224,426,670 | 2,813 |
| Average earning assets | $206,510,000 | 2,800 |
| Average equity | $25,183,670 | 2,539 |
| Average total loans | $154,521,670 | 2,614 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 2,924 |
| Cost of funding earning assets | 0.9995% | 4,207 |
| Net interest margin | 4.0368% | 2,530 |
| Noninterest income to average assets | 0.2716% | 5,734 |
| Noninterest expense to average assets | 5.4292% | 273 |
| Loan and lease loss provision to assets | 0.0976% | 4,793 |
| Net operating income to assets | -1.5481% | 7,214 |
| Return on assets (ROA) | -0.9250% | 7,021 |
| Pretax return on assets | -0.9250% | 6,970 |
| Return on Equity (ROE) | -8.5387% | 6,976 |
| Retained earnings to average equity (ytd only) | -8.5387% | 6,787 |
| Net charge-offs to loans | 0.7007% | 1,816 |
| Credit loss provision to net charge-offs | 20.5993% | 4,248 |
| Earnings coverage of net charge-offs (x) | -3.0599% | 4,989 |
| Efficiency ratio | 135.5645% | 228 |
| Assets per employee ($millions) | 3.1919% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3261% | 1,723 |
| Loan loss allowance to noncurrent loans | 57.6841% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 3.5088% | 1,942 |
| Noncurrent loans to loans | 4.0325% | 1,799 |
| Net loans and leases to total assets | 63.3783% | 3,568 |
| Net loans and leases to deposits | 72.3938% | 4,006 |
| Net loans and leases to core deposits | 79.8792% | 3,779 |
| Total domestic deposits to total assets | 87.5466% | 2,638 |
| Equity capital to assets | 11.7711% | 2,060 |
| Core capital (leverage) ratio | 11.1240% | 2,098 |
| Tier 1 risk-based capital ratio | 17.3327% | 2,365 |
| Total risk-based capital ratio | 18.5985% | 2,333 |
| Memoranda: | ||
| Average total assets | $225,302,000 | 2,817 |
| Average earning assets | $206,896,500 | 2,819 |
| Average equity | $24,406,500 | 2,608 |
| Average total loans | $152,427,500 | 2,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 3,911 |
| Cost of funding earning assets | 2.1047% | 421 |
| Net interest margin | 3.0341% | 6,671 |
| Noninterest income to average assets | 0.1489% | 6,645 |
| Noninterest expense to average assets | 6.4295% | 188 |
| Loan and lease loss provision to assets | 0.2201% | 5,068 |
| Net operating income to assets | -3.7268% | 7,407 |
| Return on assets (ROA) | -3.8797% | 7,435 |
| Pretax return on assets | -3.8797% | 7,420 |
| Return on Equity (ROE) | -41.6598% | 7,366 |
| Retained earnings to average equity (ytd only) | -41.6598% | 7,359 |
| Net charge-offs to loans | 1.6145% | 1,344 |
| Credit loss provision to net charge-offs | 23.0704% | 6,541 |
| Earnings coverage of net charge-offs (x) | -3.6756% | 6,755 |
| Efficiency ratio | 218.6185% | 75 |
| Assets per employee ($millions) | 3.1085% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4268% | 1,512 |
| Loan loss allowance to noncurrent loans | 46.1339% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 5.5691% | 1,106 |
| Noncurrent loans to loans | 5.2603% | 1,268 |
| Net loans and leases to total assets | 68.9042% | 2,770 |
| Net loans and leases to deposits | 77.0943% | 3,662 |
| Net loans and leases to core deposits | 88.4872% | 2,985 |
| Total domestic deposits to total assets | 89.3764% | 1,448 |
| Equity capital to assets | 9.8280% | 3,962 |
| Core capital (leverage) ratio | 7.8360% | 6,393 |
| Tier 1 risk-based capital ratio | 11.6039% | 5,816 |
| Total risk-based capital ratio | 12.8684% | 5,810 |
| Memoranda: | ||
| Average total assets | $247,158,400 | 2,574 |
| Average earning assets | $225,967,600 | 2,561 |
| Average equity | $23,017,400 | 2,759 |
| Average total loans | $146,052,400 | 2,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 4,472 |
| Cost of funding earning assets | 1.6907% | 1,923 |
| Net interest margin | 3.3803% | 5,749 |
| Noninterest income to average assets | 0.0995% | 7,048 |
| Noninterest expense to average assets | 6.7584% | 162 |
| Loan and lease loss provision to assets | 0.2195% | 4,868 |
| Net operating income to assets | -3.7880% | 7,554 |
| Return on assets (ROA) | -3.7686% | 7,563 |
| Pretax return on assets | -3.7686% | 7,538 |
| Return on Equity (ROE) | -40.9515% | 7,505 |
| Retained earnings to average equity (ytd only) | -40.9515% | 7,502 |
| Net charge-offs to loans | 2.0950% | 884 |
| Credit loss provision to net charge-offs | 18.4989% | 6,263 |
| Earnings coverage of net charge-offs (x) | -3.0080% | 6,563 |
| Efficiency ratio | 210.6568% | 73 |
| Assets per employee ($millions) | 3.5662% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5818% | 1,235 |
| Loan loss allowance to noncurrent loans | 47.2823% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.5012% | 1,508 |
| Noncurrent loans to loans | 5.4604% | 1,220 |
| Net loans and leases to total assets | 55.0940% | 5,684 |
| Net loans and leases to deposits | 66.2938% | 5,633 |
| Net loans and leases to core deposits | 76.4754% | 4,998 |
| Total domestic deposits to total assets | 83.1058% | 4,549 |
| Equity capital to assets | 9.4826% | 4,873 |
| Core capital (leverage) ratio | 8.6709% | 5,242 |
| Tier 1 risk-based capital ratio | 13.4085% | 4,262 |
| Total risk-based capital ratio | 14.6734% | 4,212 |
| Memoranda: | ||
| Average total assets | $254,550,000 | 2,541 |
| Average earning assets | $232,715,000 | 2,534 |
| Average equity | $23,425,500 | 2,757 |
| Average total loans | $144,150,750 | 2,904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1610% | 4,136 |
| Cost of funding earning assets | 1.8374% | 1,499 |
| Net interest margin | 3.3235% | 5,930 |
| Noninterest income to average assets | 0.3067% | 5,708 |
| Noninterest expense to average assets | 7.2839% | 140 |
| Loan and lease loss provision to assets | 0.2188% | 4,702 |
| Net operating income to assets | -4.1686% | 7,638 |
| Return on assets (ROA) | -4.1686% | 7,645 |
| Pretax return on assets | -4.1686% | 7,625 |
| Return on Equity (ROE) | -45.7585% | 7,580 |
| Retained earnings to average equity (ytd only) | -45.7585% | 7,574 |
| Net charge-offs to loans | 3.0484% | 514 |
| Credit loss provision to net charge-offs | 12.6703% | 5,915 |
| Earnings coverage of net charge-offs (x) | -2.2870% | 6,225 |
| Efficiency ratio | 217.3371% | 81 |
| Assets per employee ($millions) | 3.0058% | 6,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5412% | 1,249 |
| Loan loss allowance to noncurrent loans | 51.8550% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 4.8905% | 1,327 |
| Noncurrent loans to loans | 4.9005% | 1,422 |
| Net loans and leases to total assets | 55.6487% | 5,761 |
| Net loans and leases to deposits | 67.3834% | 5,628 |
| Net loans and leases to core deposits | 77.2119% | 5,062 |
| Total domestic deposits to total assets | 82.5852% | 4,750 |
| Equity capital to assets | 9.9329% | 4,098 |
| Core capital (leverage) ratio | 8.3995% | 5,585 |
| Tier 1 risk-based capital ratio | 13.2989% | 4,211 |
| Total risk-based capital ratio | 14.5619% | 4,159 |
| Memoranda: | ||
| Average total assets | $255,000,000 | 2,552 |
| Average earning assets | $232,282,000 | 2,563 |
| Average equity | $23,230,670 | 2,767 |
| Average total loans | $144,469,330 | 2,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 4,238 |
| Cost of funding earning assets | 1.9426% | 1,274 |
| Net interest margin | 3.2179% | 6,235 |
| Noninterest income to average assets | 0.3678% | 5,198 |
| Noninterest expense to average assets | 8.6034% | 106 |
| Loan and lease loss provision to assets | 0.4252% | 2,833 |
| Net operating income to assets | -5.7123% | 7,808 |
| Return on assets (ROA) | -5.7123% | 7,811 |
| Pretax return on assets | -5.7123% | 7,795 |
| Return on Equity (ROE) | -65.5697% | 7,757 |
| Retained earnings to average equity (ytd only) | -65.5697% | 7,749 |
| Net charge-offs to loans | 4.9217% | 247 |
| Credit loss provision to net charge-offs | 15.3073% | 4,990 |
| Earnings coverage of net charge-offs (x) | -1.9034% | 5,463 |
| Efficiency ratio | 258.3060% | 58 |
| Assets per employee ($millions) | 2.8430% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 968 |
| Loan loss allowance to noncurrent loans | 50.5968% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.8243% | 1,361 |
| Noncurrent loans to loans | 5.5640% | 1,248 |
| Net loans and leases to total assets | 53.7344% | 6,057 |
| Net loans and leases to deposits | 64.4984% | 6,005 |
| Net loans and leases to core deposits | 76.8212% | 5,156 |
| Total domestic deposits to total assets | 83.3112% | 4,470 |
| Equity capital to assets | 8.7622% | 5,619 |
| Core capital (leverage) ratio | 7.8164% | 6,475 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,714 |
| Total risk-based capital ratio | 13.8009% | 4,659 |
| Memoranda: | ||
| Average total assets | $257,758,500 | 2,578 |
| Average earning assets | $236,177,500 | 2,575 |
| Average equity | $22,455,500 | 2,882 |
| Average total loans | $145,477,000 | 2,972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7161% | 3,023 |
| Cost of funding earning assets | 2.5938% | 794 |
| Net interest margin | 3.1222% | 6,303 |
| Noninterest income to average assets | 0.2879% | 6,049 |
| Noninterest expense to average assets | 6.4656% | 252 |
| Loan and lease loss provision to assets | 3.6802% | 407 |
| Net operating income to assets | -6.9913% | 7,893 |
| Return on assets (ROA) | -6.2609% | 7,841 |
| Pretax return on assets | -6.2609% | 7,825 |
| Return on Equity (ROE) | -70.5496% | 7,814 |
| Retained earnings to average equity (ytd only) | -70.5496% | 7,812 |
| Net charge-offs to loans | 3.3892% | 586 |
| Credit loss provision to net charge-offs | 185.7980% | 2,189 |
| Earnings coverage of net charge-offs (x) | -1.6716% | 6,977 |
| Efficiency ratio | 203.6774% | 130 |
| Assets per employee ($millions) | 2.6475% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7476% | 424 |
| Loan loss allowance to noncurrent loans | 51.8813% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 5.6946% | 1,015 |
| Noncurrent loans to loans | 7.2234% | 751 |
| Net loans and leases to total assets | 55.4376% | 6,032 |
| Net loans and leases to deposits | 67.8965% | 5,845 |
| Net loans and leases to core deposits | 101.4639% | 3,849 |
| Total domestic deposits to total assets | 81.6502% | 5,085 |
| Equity capital to assets | 8.6611% | 5,642 |
| Core capital (leverage) ratio | 7.9235% | 6,294 |
| Tier 1 risk-based capital ratio | 12.2075% | 4,765 |
| Total risk-based capital ratio | 13.4844% | 4,706 |
| Memoranda: | ||
| Average total assets | $241,370,000 | 2,705 |
| Average earning assets | $221,604,000 | 2,682 |
| Average equity | $21,420,400 | 3,021 |
| Average total loans | $141,064,200 | 3,061 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8531% | 2,656 |
| Cost of funding earning assets | 2.7347% | 716 |
| Net interest margin | 3.1184% | 6,261 |
| Noninterest income to average assets | 0.2852% | 6,190 |
| Noninterest expense to average assets | 5.5670% | 365 |
| Loan and lease loss provision to assets | 1.8446% | 1,005 |
| Net operating income to assets | -4.2607% | 7,774 |
| Return on assets (ROA) | -3.4771% | 7,689 |
| Pretax return on assets | -3.4771% | 7,609 |
| Return on Equity (ROE) | -38.9275% | 7,744 |
| Retained earnings to average equity (ytd only) | -38.9275% | 7,736 |
| Net charge-offs to loans | 1.7959% | 1,127 |
| Credit loss provision to net charge-offs | 175.0666% | 2,639 |
| Earnings coverage of net charge-offs (x) | -2.2930% | 6,766 |
| Efficiency ratio | 175.3786% | 213 |
| Assets per employee ($millions) | 2.0355% | 7,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 2,100 |
| Loan loss allowance to noncurrent loans | 44.1792% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 4.1579% | 1,512 |
| Noncurrent loans to loans | 4.2349% | 1,700 |
| Net loans and leases to total assets | 61.1973% | 5,384 |
| Net loans and leases to deposits | 76.0168% | 5,039 |
| Net loans and leases to core deposits | 114.1149% | 2,816 |
| Total domestic deposits to total assets | 80.5049% | 5,243 |
| Equity capital to assets | 9.3001% | 5,036 |
| Core capital (leverage) ratio | 8.1202% | 6,150 |
| Tier 1 risk-based capital ratio | 11.6066% | 5,330 |
| Total risk-based capital ratio | 12.8617% | 5,266 |
| Memoranda: | ||
| Average total assets | $237,511,500 | 2,756 |
| Average earning assets | $218,272,250 | 2,740 |
| Average equity | $21,215,000 | 3,070 |
| Average total loans | $139,353,000 | 3,130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8558% | 2,775 |
| Cost of funding earning assets | 2.9408% | 558 |
| Net interest margin | 2.9150% | 6,766 |
| Noninterest income to average assets | 0.2567% | 6,440 |
| Noninterest expense to average assets | 5.4110% | 397 |
| Loan and lease loss provision to assets | 1.4673% | 1,180 |
| Net operating income to assets | -3.9335% | 7,822 |
| Return on assets (ROA) | -2.8895% | 7,648 |
| Pretax return on assets | -2.8895% | 7,542 |
| Return on Equity (ROE) | -32.8173% | 7,751 |
| Retained earnings to average equity (ytd only) | -32.8173% | 7,728 |
| Net charge-offs to loans | 1.8026% | 1,046 |
| Credit loss provision to net charge-offs | 141.8242% | 3,284 |
| Earnings coverage of net charge-offs (x) | -2.3837% | 6,375 |
| Efficiency ratio | 182.3326% | 244 |
| Assets per employee ($millions) | 2.1445% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 3,962 |
| Loan loss allowance to noncurrent loans | 29.0958% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 4.0586% | 1,446 |
| Noncurrent loans to loans | 4.6522% | 1,368 |
| Net loans and leases to total assets | 58.6453% | 5,883 |
| Net loans and leases to deposits | 71.7381% | 5,770 |
| Net loans and leases to core deposits | 104.3491% | 4,025 |
| Total domestic deposits to total assets | 81.7492% | 4,798 |
| Equity capital to assets | 7.9357% | 6,823 |
| Core capital (leverage) ratio | 6.8995% | 7,601 |
| Tier 1 risk-based capital ratio | 9.8062% | 7,131 |
| Total risk-based capital ratio | 10.9701% | 7,157 |
| Memoranda: | ||
| Average total assets | $235,263,330 | 2,802 |
| Average earning assets | $216,946,670 | 2,784 |
| Average equity | $20,714,670 | 3,139 |
| Average total loans | $135,028,000 | 3,245 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 3,147 |
| Cost of funding earning assets | 3.1436% | 405 |
| Net interest margin | 2.6857% | 7,236 |
| Noninterest income to average assets | 0.2606% | 6,368 |
| Noninterest expense to average assets | 5.3786% | 386 |
| Loan and lease loss provision to assets | 0.8820% | 1,487 |
| Net operating income to assets | -3.5196% | 7,924 |
| Return on assets (ROA) | -1.4189% | 7,479 |
| Pretax return on assets | -1.4189% | 7,337 |
| Return on Equity (ROE) | -15.3237% | 7,614 |
| Retained earnings to average equity (ytd only) | -15.3237% | 7,452 |
| Net charge-offs to loans | 0.8735% | 1,498 |
| Credit loss provision to net charge-offs | 179.2982% | 2,423 |
| Earnings coverage of net charge-offs (x) | -5.3614% | 5,573 |
| Efficiency ratio | 194.7103% | 200 |
| Assets per employee ($millions) | 2.2443% | 7,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,479 |
| Loan loss allowance to noncurrent loans | 50.7463% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.3620% | 2,424 |
| Noncurrent loans to loans | 2.4549% | 2,692 |
| Net loans and leases to total assets | 56.0437% | 6,234 |
| Net loans and leases to deposits | 71.3432% | 5,825 |
| Net loans and leases to core deposits | 111.1759% | 3,292 |
| Total domestic deposits to total assets | 78.5551% | 5,852 |
| Equity capital to assets | 9.1233% | 5,194 |
| Core capital (leverage) ratio | 8.0787% | 6,331 |
| Tier 1 risk-based capital ratio | 11.7385% | 5,180 |
| Total risk-based capital ratio | 12.7966% | 5,260 |
| Memoranda: | ||
| Average total assets | $231,733,500 | 2,858 |
| Average earning assets | $214,019,500 | 2,837 |
| Average equity | $21,457,000 | 3,052 |
| Average total loans | $130,511,500 | 3,350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6293% | 2,351 |
| Cost of funding earning assets | 3.3701% | 760 |
| Net interest margin | 3.2592% | 6,181 |
| Noninterest income to average assets | 0.2654% | 6,558 |
| Noninterest expense to average assets | 6.2952% | 361 |
| Loan and lease loss provision to assets | 1.2473% | 1,149 |
| Net operating income to assets | -4.2931% | 8,027 |
| Return on assets (ROA) | -4.2256% | 8,004 |
| Pretax return on assets | -4.2256% | 7,932 |
| Return on Equity (ROE) | -38.4429% | 8,061 |
| Retained earnings to average equity (ytd only) | -38.4429% | 8,026 |
| Net charge-offs to loans | 1.1236% | 1,077 |
| Credit loss provision to net charge-offs | 223.0223% | 2,138 |
| Earnings coverage of net charge-offs (x) | -5.4462% | 6,845 |
| Efficiency ratio | 192.0230% | 212 |
| Assets per employee ($millions) | 2.2556% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,040 |
| Loan loss allowance to noncurrent loans | 30.3305% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2738% | 2,141 |
| Noncurrent loans to loans | 3.7324% | 1,344 |
| Net loans and leases to total assets | 55.2413% | 6,524 |
| Net loans and leases to deposits | 71.2505% | 6,137 |
| Net loans and leases to core deposits | 110.2044% | 3,760 |
| Total domestic deposits to total assets | 77.5311% | 5,866 |
| Equity capital to assets | 9.4001% | 4,821 |
| Core capital (leverage) ratio | 8.0103% | 6,470 |
| Tier 1 risk-based capital ratio | 11.8599% | 4,935 |
| Total risk-based capital ratio | 12.8211% | 5,066 |
| Memoranda: | ||
| Average total assets | $176,307,600 | 3,459 |
| Average earning assets | $161,419,200 | 3,448 |
| Average equity | $19,379,400 | 3,330 |
| Average total loans | $87,754,800 | 4,295 |