Home > Crystal Lake Bank and Trust Company > Performance and Condition Ratios
Crystal Lake Bank and Trust Company, 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 | 6.1596% | 526 |
| Cost of funding earning assets | 2.0495% | 849 |
| Net interest margin | 4.1101% | 1,059 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.4802% | 4,340 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.8517% | 565 |
| Return on assets (ROA) | 1.8551% | 545 |
| Pretax return on assets | 2.5214% | 332 |
| Return on Equity (ROE) | 20.3500% | 588 |
| Retained earnings to average equity (ytd only) | 16.9601% | 221 |
| Net charge-offs to loans | 0.0402% | 1,508 |
| Credit loss provision to net charge-offs | 353.8911% | 844 |
| Earnings coverage of net charge-offs (x) | 83.4611% | 998 |
| Efficiency ratio | 35.8155% | 4,441 |
| Assets per employee ($millions) | 28.1489% | 57 |
| Cash dividends to net income (ytd only)* | 16.6661% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,016 |
| Loan loss allowance to noncurrent loans | 303.7648% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 1,881 |
| Noncurrent loans to loans | 0.2556% | 2,267 |
| Net loans and leases to total assets | 76.4100% | 1,066 |
| Net loans and leases to deposits | 93.8622% | 951 |
| Net loans and leases to core deposits | 118.5889% | 673 |
| Total domestic deposits to total assets | 81.4100% | 3,237 |
| Equity capital to assets | 9.8244% | 2,111 |
| Core capital (leverage) ratio | 10.0065% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6518% | 2,359 |
| Memoranda: | ||
| Average total assets | $1,617,178,200 | 675 |
| Average earning assets | $1,515,899,800 | 662 |
| Average equity | $147,410,600 | 679 |
| Average total loans | $1,278,746,200 | 594 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 539 |
| Cost of funding earning assets | 1.8674% | 903 |
| Net interest margin | 4.1227% | 1,031 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.3520% | 4,425 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.0153% | 491 |
| Return on assets (ROA) | 2.0097% | 486 |
| Pretax return on assets | 2.7417% | 297 |
| Return on Equity (ROE) | 22.4900% | 525 |
| Retained earnings to average equity (ytd only) | 22.4905% | 178 |
| Net charge-offs to loans | 0.0262% | 1,547 |
| Credit loss provision to net charge-offs | 155.5556% | 1,299 |
| Earnings coverage of net charge-offs (x) | 133.8373% | 788 |
| Efficiency ratio | 32.6632% | 4,493 |
| Assets per employee ($millions) | 29.1133% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,204 |
| Loan loss allowance to noncurrent loans | 131.7297% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,362 |
| Noncurrent loans to loans | 0.4930% | 1,587 |
| Net loans and leases to total assets | 76.5800% | 1,052 |
| Net loans and leases to deposits | 92.7117% | 998 |
| Net loans and leases to core deposits | 123.0768% | 483 |
| Total domestic deposits to total assets | 82.6000% | 3,089 |
| Equity capital to assets | 8.8407% | 2,512 |
| Core capital (leverage) ratio | 10.0130% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9814% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,613,313,750 | 680 |
| Average earning assets | $1,520,244,750 | 661 |
| Average equity | $144,164,000 | 689 |
| Average total loans | $1,284,100,750 | 589 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 534 |
| Cost of funding earning assets | 1.6610% | 948 |
| Net interest margin | 4.1911% | 943 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.3932% | 4,419 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.0110% | 455 |
| Return on assets (ROA) | 2.0133% | 451 |
| Pretax return on assets | 2.7469% | 266 |
| Return on Equity (ROE) | 22.4400% | 518 |
| Retained earnings to average equity (ytd only) | 22.4434% | 175 |
| Net charge-offs to loans | 0.0272% | 1,346 |
| Credit loss provision to net charge-offs | 330.6358% | 811 |
| Earnings coverage of net charge-offs (x) | 127.8497% | 815 |
| Efficiency ratio | 33.2065% | 4,516 |
| Assets per employee ($millions) | 26.6608% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6681% | 4,227 |
| Loan loss allowance to noncurrent loans | 148.9072% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 1,285 |
| Noncurrent loans to loans | 0.4487% | 1,596 |
| Net loans and leases to total assets | 80.9700% | 526 |
| Net loans and leases to deposits | 95.0740% | 783 |
| Net loans and leases to core deposits | 125.6497% | 395 |
| Total domestic deposits to total assets | 85.1600% | 2,496 |
| Equity capital to assets | 9.0820% | 2,454 |
| Core capital (leverage) ratio | 9.7894% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5645% | 2,748 |
| Memoranda: | ||
| Average total assets | $1,578,523,667 | 681 |
| Average earning assets | $1,477,560,667 | 670 |
| Average equity | $141,600,333 | 693 |
| Average total loans | $1,270,812,667 | 583 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6435% | 495 |
| Cost of funding earning assets | 1.4338% | 966 |
| Net interest margin | 4.2097% | 937 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.4344% | 4,445 |
| Loan and lease loss provision to assets | -0.1000% | 4,576 |
| Net operating income to assets | 2.1561% | 396 |
| Return on assets (ROA) | 2.1695% | 383 |
| Pretax return on assets | 2.9525% | 208 |
| Return on Equity (ROE) | 24.3400% | 438 |
| Retained earnings to average equity (ytd only) | 24.3436% | 201 |
| Net charge-offs to loans | -0.0029% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 33.5560% | 4,574 |
| Assets per employee ($millions) | 25.8601% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 4,287 |
| Loan loss allowance to noncurrent loans | 117.6264% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 1,043 |
| Noncurrent loans to loans | 0.5629% | 1,317 |
| Net loans and leases to total assets | 79.4600% | 592 |
| Net loans and leases to deposits | 95.1819% | 705 |
| Net loans and leases to core deposits | 118.5790% | 479 |
| Total domestic deposits to total assets | 83.4800% | 3,203 |
| Equity capital to assets | 9.1067% | 2,433 |
| Core capital (leverage) ratio | 9.7838% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6156% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,554,631,500 | 701 |
| Average earning assets | $1,440,101,000 | 693 |
| Average equity | $138,550,000 | 716 |
| Average total loans | $1,243,406,000 | 605 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2002% | 3,437 |
| Cost of funding earning assets | 0.3315% | 1,844 |
| Net interest margin | 2.8687% | 3,571 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.3334% | 4,559 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1255% | 1,982 |
| Return on assets (ROA) | 1.0953% | 2,088 |
| Pretax return on assets | 1.4967% | 1,418 |
| Return on Equity (ROE) | 12.1300% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.9244% | 2,389 |
| Net charge-offs to loans | 0.0248% | 1,332 |
| Credit loss provision to net charge-offs | 754.2857% | 485 |
| Earnings coverage of net charge-offs (x) | 84.4143% | 1,017 |
| Efficiency ratio | 44.4417% | 4,447 |
| Assets per employee ($millions) | 24.7415% | 67 |
| Cash dividends to net income (ytd only)* | 42.9258% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6682% | 4,307 |
| Loan loss allowance to noncurrent loans | 117.0559% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 1,107 |
| Noncurrent loans to loans | 0.5709% | 1,404 |
| Net loans and leases to total assets | 76.7500% | 836 |
| Net loans and leases to deposits | 92.9986% | 699 |
| Net loans and leases to core deposits | 112.5467% | 401 |
| Total domestic deposits to total assets | 82.5300% | 3,750 |
| Equity capital to assets | 8.1871% | 2,770 |
| Core capital (leverage) ratio | 9.6093% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2020% | 3,007 |
| Memoranda: | ||
| Average total assets | $1,417,893,000 | 743 |
| Average earning assets | $1,358,688,250 | 710 |
| Average equity | $128,008,000 | 778 |
| Average total loans | $1,130,917,750 | 604 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 3,799 |
| Cost of funding earning assets | 0.2476% | 2,303 |
| Net interest margin | 2.6473% | 3,818 |
| Noninterest income to average assets | 0.2742% | 3,522 |
| Noninterest expense to average assets | 1.3453% | 4,568 |
| Loan and lease loss provision to assets | 0.0596% | 1,524 |
| Net operating income to assets | 1.0362% | 2,031 |
| Return on assets (ROA) | 1.0058% | 2,104 |
| Pretax return on assets | 1.3796% | 1,497 |
| Return on Equity (ROE) | 10.7689% | 2,063 |
| Retained earnings to average equity (ytd only) | 3.0059% | 3,443 |
| Net charge-offs to loans | 0.0340% | 1,056 |
| Credit loss provision to net charge-offs | 421.6931% | 684 |
| Earnings coverage of net charge-offs (x) | 53.9153% | 1,129 |
| Efficiency ratio | 47.6550% | 4,363 |
| Assets per employee ($millions) | 22.8937% | 71 |
| Cash dividends to net income (ytd only)* | 72.0877% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 4,431 |
| Loan loss allowance to noncurrent loans | 537.8947% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 2,620 |
| Noncurrent loans to loans | 0.1177% | 3,144 |
| Net loans and leases to total assets | 79.0862% | 475 |
| Net loans and leases to deposits | 92.9588% | 557 |
| Net loans and leases to core deposits | 112.3153% | 312 |
| Total domestic deposits to total assets | 85.0766% | 3,470 |
| Equity capital to assets | 8.8156% | 2,523 |
| Core capital (leverage) ratio | 9.7621% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3219% | 2,965 |
| Memoranda: | ||
| Average total assets | $1,379,200,333 | 753 |
| Average earning assets | $1,327,824,333 | 727 |
| Average equity | $128,815,000 | 779 |
| Average total loans | $1,112,819,667 | 602 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7831% | 3,779 |
| Cost of funding earning assets | 0.2413% | 2,256 |
| Net interest margin | 2.5418% | 3,807 |
| Noninterest income to average assets | 0.2622% | 3,559 |
| Noninterest expense to average assets | 1.3591% | 4,568 |
| Loan and lease loss provision to assets | 0.0824% | 996 |
| Net operating income to assets | 0.9286% | 2,162 |
| Return on assets (ROA) | 0.8932% | 2,303 |
| Pretax return on assets | 1.2223% | 1,725 |
| Return on Equity (ROE) | 9.2915% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.2915% | 1,191 |
| Net charge-offs to loans | 0.0406% | 878 |
| Credit loss provision to net charge-offs | 528.5714% | 497 |
| Earnings coverage of net charge-offs (x) | 40.9375% | 1,001 |
| Efficiency ratio | 50.1793% | 4,306 |
| Assets per employee ($millions) | 22.7118% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 4,479 |
| Loan loss allowance to noncurrent loans | 398.0737% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 2,895 |
| Noncurrent loans to loans | 0.1596% | 3,006 |
| Net loans and leases to total assets | 80.6429% | 217 |
| Net loans and leases to deposits | 96.2898% | 271 |
| Net loans and leases to core deposits | 116.0418% | 176 |
| Total domestic deposits to total assets | 83.7502% | 3,812 |
| Equity capital to assets | 9.5316% | 2,256 |
| Core capital (leverage) ratio | 9.8750% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7529% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,359,095,000 | 763 |
| Average earning assets | $1,308,024,500 | 743 |
| Average equity | $130,657,500 | 785 |
| Average total loans | $1,104,373,500 | 604 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 4,172 |
| Cost of funding earning assets | 0.3341% | 2,076 |
| Net interest margin | 2.4902% | 4,207 |
| Noninterest income to average assets | 0.2983% | 3,613 |
| Noninterest expense to average assets | 1.4088% | 4,619 |
| Loan and lease loss provision to assets | -0.2023% | 4,705 |
| Net operating income to assets | 1.0753% | 2,387 |
| Return on assets (ROA) | 1.0700% | 2,486 |
| Pretax return on assets | 1.4682% | 1,824 |
| Return on Equity (ROE) | 11.3492% | 2,037 |
| Retained earnings to average equity (ytd only) | 11.3492% | 643 |
| Net charge-offs to loans | 0.0242% | 1,758 |
| Credit loss provision to net charge-offs | -830.4688% | 3,877 |
| Earnings coverage of net charge-offs (x) | 66.0508% | 1,114 |
| Efficiency ratio | 52.5375% | 4,078 |
| Assets per employee ($millions) | 22.2210% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 4,544 |
| Loan loss allowance to noncurrent loans | 348.0064% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 2,965 |
| Noncurrent loans to loans | 0.1706% | 3,096 |
| Net loans and leases to total assets | 80.8751% | 226 |
| Net loans and leases to deposits | 96.7957% | 286 |
| Net loans and leases to core deposits | 115.8353% | 202 |
| Total domestic deposits to total assets | 83.5524% | 3,676 |
| Equity capital to assets | 9.6960% | 2,945 |
| Core capital (leverage) ratio | 9.7274% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4243% | 2,997 |
| Memoranda: | ||
| Average total assets | $1,328,535,200 | 752 |
| Average earning assets | $1,271,519,600 | 727 |
| Average equity | $125,251,200 | 827 |
| Average total loans | $1,055,892,200 | 627 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8264% | 4,266 |
| Cost of funding earning assets | 0.3595% | 2,027 |
| Net interest margin | 2.4669% | 4,331 |
| Noninterest income to average assets | 0.2964% | 3,671 |
| Noninterest expense to average assets | 1.4057% | 4,685 |
| Loan and lease loss provision to assets | -0.3087% | 4,827 |
| Net operating income to assets | 1.1394% | 2,407 |
| Return on assets (ROA) | 1.1345% | 2,484 |
| Pretax return on assets | 1.5506% | 1,848 |
| Return on Equity (ROE) | 12.1219% | 2,005 |
| Retained earnings to average equity (ytd only) | 12.1219% | 814 |
| Net charge-offs to loans | 0.0255% | 1,532 |
| Credit loss provision to net charge-offs | -1,191.0000% | 3,893 |
| Earnings coverage of net charge-offs (x) | 61.8650% | 1,120 |
| Efficiency ratio | 52.9705% | 3,925 |
| Assets per employee ($millions) | 22.6104% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6053% | 4,632 |
| Loan loss allowance to noncurrent loans | 336.3010% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 3,169 |
| Noncurrent loans to loans | 0.1800% | 3,230 |
| Net loans and leases to total assets | 78.1154% | 399 |
| Net loans and leases to deposits | 93.6674% | 427 |
| Net loans and leases to core deposits | 112.7722% | 277 |
| Total domestic deposits to total assets | 83.3966% | 3,609 |
| Equity capital to assets | 9.6523% | 3,247 |
| Core capital (leverage) ratio | 9.7375% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7937% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,321,799,000 | 764 |
| Average earning assets | $1,263,132,000 | 742 |
| Average equity | $123,707,250 | 850 |
| Average total loans | $1,044,167,250 | 645 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8317% | 4,306 |
| Cost of funding earning assets | 0.3930% | 1,946 |
| Net interest margin | 2.4388% | 4,384 |
| Noninterest income to average assets | 0.2248% | 4,053 |
| Noninterest expense to average assets | 1.4322% | 4,692 |
| Loan and lease loss provision to assets | -0.4338% | 4,894 |
| Net operating income to assets | 1.1391% | 2,404 |
| Return on assets (ROA) | 1.1339% | 2,484 |
| Pretax return on assets | 1.5484% | 1,880 |
| Return on Equity (ROE) | 12.2453% | 1,959 |
| Retained earnings to average equity (ytd only) | 12.2453% | 863 |
| Net charge-offs to loans | 0.0389% | 1,242 |
| Credit loss provision to net charge-offs | -901.4778% | 3,633 |
| Earnings coverage of net charge-offs (x) | 36.3892% | 1,212 |
| Efficiency ratio | 56.0899% | 3,528 |
| Assets per employee ($millions) | 23.9779% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 4,584 |
| Loan loss allowance to noncurrent loans | 394.6766% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,355 |
| Noncurrent loans to loans | 0.1682% | 3,373 |
| Net loans and leases to total assets | 78.2314% | 429 |
| Net loans and leases to deposits | 93.6938% | 474 |
| Net loans and leases to core deposits | 111.6280% | 322 |
| Total domestic deposits to total assets | 83.4968% | 3,580 |
| Equity capital to assets | 9.5086% | 3,319 |
| Core capital (leverage) ratio | 9.4104% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9941% | 2,957 |
| Memoranda: | ||
| Average total assets | $1,317,728,000 | 758 |
| Average earning assets | $1,258,163,000 | 740 |
| Average equity | $122,022,000 | 855 |
| Average total loans | $1,042,751,333 | 648 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8402% | 4,326 |
| Cost of funding earning assets | 0.4300% | 1,861 |
| Net interest margin | 2.4102% | 4,406 |
| Noninterest income to average assets | 0.2174% | 4,090 |
| Noninterest expense to average assets | 1.3720% | 4,766 |
| Loan and lease loss provision to assets | -0.4412% | 4,904 |
| Net operating income to assets | 1.1625% | 2,289 |
| Return on assets (ROA) | 1.1512% | 2,399 |
| Pretax return on assets | 1.5685% | 1,807 |
| Return on Equity (ROE) | 12.6016% | 1,789 |
| Retained earnings to average equity (ytd only) | 12.6016% | 999 |
| Net charge-offs to loans | 0.0873% | 756 |
| Credit loss provision to net charge-offs | -286.4035% | 3,042 |
| Earnings coverage of net charge-offs (x) | 16.4868% | 1,317 |
| Efficiency ratio | 54.5850% | 3,725 |
| Assets per employee ($millions) | 23.8561% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 4,452 |
| Loan loss allowance to noncurrent loans | 433.8005% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 3,479 |
| Noncurrent loans to loans | 0.1780% | 3,468 |
| Net loans and leases to total assets | 77.4225% | 502 |
| Net loans and leases to deposits | 92.2067% | 586 |
| Net loans and leases to core deposits | 113.1119% | 341 |
| Total domestic deposits to total assets | 83.9662% | 3,447 |
| Equity capital to assets | 9.0708% | 3,618 |
| Core capital (leverage) ratio | 9.1010% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7984% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,317,198,500 | 755 |
| Average earning assets | $1,254,857,500 | 737 |
| Average equity | $120,334,000 | 858 |
| Average total loans | $1,044,827,000 | 645 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 4,378 |
| Cost of funding earning assets | 0.6426% | 2,043 |
| Net interest margin | 2.6200% | 4,476 |
| Noninterest income to average assets | 0.2031% | 4,253 |
| Noninterest expense to average assets | 1.4225% | 4,826 |
| Loan and lease loss provision to assets | 0.3924% | 811 |
| Net operating income to assets | 0.6539% | 3,577 |
| Return on assets (ROA) | 0.6560% | 3,699 |
| Pretax return on assets | 0.8914% | 3,388 |
| Return on Equity (ROE) | 7.0574% | 3,190 |
| Retained earnings to average equity (ytd only) | -2.3286% | 4,729 |
| Net charge-offs to loans | 0.0503% | 2,075 |
| Credit loss provision to net charge-offs | 987.4251% | 791 |
| Earnings coverage of net charge-offs (x) | 32.2415% | 1,546 |
| Efficiency ratio | 52.6138% | 4,337 |
| Assets per employee ($millions) | 24.0455% | 66 |
| Cash dividends to net income (ytd only)* | 132.9948% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 4,317 |
| Loan loss allowance to noncurrent loans | 367.5587% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 3,319 |
| Noncurrent loans to loans | 0.2319% | 3,367 |
| Net loans and leases to total assets | 79.9689% | 430 |
| Net loans and leases to deposits | 95.9580% | 553 |
| Net loans and leases to core deposits | 118.5365% | 328 |
| Total domestic deposits to total assets | 83.3373% | 3,319 |
| Equity capital to assets | 9.2022% | 3,884 |
| Core capital (leverage) ratio | 9.0378% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4362% | 3,034 |
| Memoranda: | ||
| Average total assets | $1,260,828,000 | 721 |
| Average earning assets | $1,203,312,000 | 698 |
| Average equity | $117,196,800 | 837 |
| Average total loans | $996,958,600 | 641 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 4,399 |
| Cost of funding earning assets | 0.6919% | 2,070 |
| Net interest margin | 2.6704% | 4,499 |
| Noninterest income to average assets | 0.2056% | 4,241 |
| Noninterest expense to average assets | 1.4665% | 4,831 |
| Loan and lease loss provision to assets | 0.4912% | 605 |
| Net operating income to assets | 0.5804% | 3,829 |
| Return on assets (ROA) | 0.5835% | 3,919 |
| Pretax return on assets | 0.8043% | 3,633 |
| Return on Equity (ROE) | 6.2615% | 3,463 |
| Retained earnings to average equity (ytd only) | -6.3141% | 4,876 |
| Net charge-offs to loans | 0.0540% | 1,836 |
| Credit loss provision to net charge-offs | 1,155.3885% | 751 |
| Earnings coverage of net charge-offs (x) | 30.3810% | 1,566 |
| Efficiency ratio | 53.1716% | 4,235 |
| Assets per employee ($millions) | 22.1952% | 67 |
| Cash dividends to net income (ytd only)* | 200.8399% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,186 |
| Loan loss allowance to noncurrent loans | 304.0574% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 3,254 |
| Noncurrent loans to loans | 0.2838% | 3,271 |
| Net loans and leases to total assets | 77.5824% | 883 |
| Net loans and leases to deposits | 93.0278% | 1,002 |
| Net loans and leases to core deposits | 114.5571% | 534 |
| Total domestic deposits to total assets | 83.3971% | 3,026 |
| Equity capital to assets | 9.0813% | 4,052 |
| Core capital (leverage) ratio | 9.0904% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8310% | 2,956 |
| Memoranda: | ||
| Average total assets | $1,251,420,500 | 711 |
| Average earning assets | $1,196,109,750 | 683 |
| Average equity | $116,624,250 | 839 |
| Average total loans | $984,375,750 | 641 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5363% | 4,365 |
| Cost of funding earning assets | 0.7603% | 2,055 |
| Net interest margin | 2.7760% | 4,481 |
| Noninterest income to average assets | 0.2437% | 4,021 |
| Noninterest expense to average assets | 1.5026% | 4,844 |
| Loan and lease loss provision to assets | 0.6387% | 470 |
| Net operating income to assets | 0.5523% | 3,880 |
| Return on assets (ROA) | 0.5570% | 3,945 |
| Pretax return on assets | 0.7660% | 3,684 |
| Return on Equity (ROE) | 5.9246% | 3,541 |
| Retained earnings to average equity (ytd only) | -12.9545% | 4,961 |
| Net charge-offs to loans | 0.0410% | 1,919 |
| Credit loss provision to net charge-offs | 1,979.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 43.3400% | 1,190 |
| Efficiency ratio | 51.7909% | 4,369 |
| Assets per employee ($millions) | 23.3547% | 61 |
| Cash dividends to net income (ytd only)* | 318.6559% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 4,325 |
| Loan loss allowance to noncurrent loans | 265.1223% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,320 |
| Noncurrent loans to loans | 0.3047% | 3,296 |
| Net loans and leases to total assets | 77.3654% | 943 |
| Net loans and leases to deposits | 92.4458% | 1,105 |
| Net loans and leases to core deposits | 113.6187% | 612 |
| Total domestic deposits to total assets | 83.6874% | 2,855 |
| Equity capital to assets | 8.8074% | 4,258 |
| Core capital (leverage) ratio | 8.7490% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4118% | 3,101 |
| Memoranda: | ||
| Average total assets | $1,239,454,000 | 706 |
| Average earning assets | $1,186,607,333 | 673 |
| Average equity | $116,530,667 | 832 |
| Average total loans | $976,692,000 | 636 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,308 |
| Cost of funding earning assets | 0.8572% | 2,076 |
| Net interest margin | 2.8887% | 4,449 |
| Noninterest income to average assets | 0.3657% | 3,323 |
| Noninterest expense to average assets | 1.3547% | 4,985 |
| Loan and lease loss provision to assets | 0.3216% | 965 |
| Net operating income to assets | 1.0642% | 1,952 |
| Return on assets (ROA) | 1.0713% | 2,035 |
| Pretax return on assets | 1.4609% | 1,409 |
| Return on Equity (ROE) | 11.0169% | 1,404 |
| Retained earnings to average equity (ytd only) | -26.5253% | 5,020 |
| Net charge-offs to loans | 0.0314% | 1,759 |
| Credit loss provision to net charge-offs | 1,292.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 71.2533% | 719 |
| Efficiency ratio | 43.3058% | 4,903 |
| Assets per employee ($millions) | 20.8703% | 59 |
| Cash dividends to net income (ytd only)* | 340.7683% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 4,810 |
| Loan loss allowance to noncurrent loans | 211.9874% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,598 |
| Noncurrent loans to loans | 0.2662% | 3,540 |
| Net loans and leases to total assets | 76.9295% | 1,146 |
| Net loans and leases to deposits | 92.4934% | 1,225 |
| Net loans and leases to core deposits | 114.6960% | 638 |
| Total domestic deposits to total assets | 83.1729% | 3,051 |
| Equity capital to assets | 9.3009% | 4,395 |
| Core capital (leverage) ratio | 9.4964% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4351% | 3,241 |
| Memoranda: | ||
| Average total assets | $1,205,249,500 | 689 |
| Average earning assets | $1,152,626,000 | 660 |
| Average equity | $117,201,500 | 819 |
| Average total loans | $955,001,000 | 624 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 3,261 |
| Cost of funding earning assets | 0.9853% | 1,787 |
| Net interest margin | 3.4127% | 3,708 |
| Noninterest income to average assets | 0.2347% | 4,276 |
| Noninterest expense to average assets | 1.4481% | 5,024 |
| Loan and lease loss provision to assets | 0.0534% | 2,966 |
| Net operating income to assets | 1.4792% | 1,104 |
| Return on assets (ROA) | 1.4847% | 1,149 |
| Pretax return on assets | 2.0075% | 591 |
| Return on Equity (ROE) | 15.3034% | 631 |
| Retained earnings to average equity (ytd only) | 15.3034% | 88 |
| Net charge-offs to loans | 0.0252% | 2,894 |
| Credit loss provision to net charge-offs | 263.9130% | 1,051 |
| Earnings coverage of net charge-offs (x) | 101.5565% | 671 |
| Efficiency ratio | 41.3499% | 5,037 |
| Assets per employee ($millions) | 19.9856% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 4,869 |
| Loan loss allowance to noncurrent loans | 236.1309% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 3,546 |
| Noncurrent loans to loans | 0.2203% | 3,661 |
| Net loans and leases to total assets | 80.7680% | 697 |
| Net loans and leases to deposits | 92.9524% | 1,265 |
| Net loans and leases to core deposits | 114.7514% | 642 |
| Total domestic deposits to total assets | 86.8918% | 1,667 |
| Equity capital to assets | 10.1663% | 3,767 |
| Core capital (leverage) ratio | 10.1831% | 3,319 |
| Tier 1 risk-based capital ratio | 11.6476% | 4,549 |
| Total risk-based capital ratio | 12.1353% | 4,805 |
| Memoranda: | ||
| Average total assets | $1,137,227,400 | 695 |
| Average earning assets | $1,088,786,400 | 668 |
| Average equity | $110,328,200 | 824 |
| Average total loans | $913,409,800 | 634 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 3,159 |
| Cost of funding earning assets | 1.0000% | 1,764 |
| Net interest margin | 3.4676% | 3,670 |
| Noninterest income to average assets | 0.2809% | 4,064 |
| Noninterest expense to average assets | 1.4468% | 5,095 |
| Loan and lease loss provision to assets | 0.0883% | 2,140 |
| Net operating income to assets | 1.5234% | 1,126 |
| Return on assets (ROA) | 1.5313% | 1,162 |
| Pretax return on assets | 2.0696% | 591 |
| Return on Equity (ROE) | 15.9848% | 606 |
| Retained earnings to average equity (ytd only) | 15.9848% | 107 |
| Net charge-offs to loans | 0.0437% | 2,215 |
| Credit loss provision to net charge-offs | 252.0270% | 1,083 |
| Earnings coverage of net charge-offs (x) | 61.3205% | 1,040 |
| Efficiency ratio | 40.2495% | 5,116 |
| Assets per employee ($millions) | 19.8486% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 4,926 |
| Loan loss allowance to noncurrent loans | 211.8658% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 3,496 |
| Noncurrent loans to loans | 0.2514% | 3,640 |
| Net loans and leases to total assets | 80.5912% | 765 |
| Net loans and leases to deposits | 92.5606% | 1,368 |
| Net loans and leases to core deposits | 115.3407% | 687 |
| Total domestic deposits to total assets | 87.0686% | 1,480 |
| Equity capital to assets | 9.8891% | 4,126 |
| Core capital (leverage) ratio | 9.7715% | 3,888 |
| Tier 1 risk-based capital ratio | 11.2497% | 4,797 |
| Total risk-based capital ratio | 11.7442% | 5,005 |
| Memoranda: | ||
| Average total assets | $1,126,747,000 | 702 |
| Average earning assets | $1,076,763,750 | 675 |
| Average equity | $107,941,250 | 840 |
| Average total loans | $902,423,500 | 642 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 3,285 |
| Cost of funding earning assets | 0.9898% | 1,743 |
| Net interest margin | 3.4268% | 3,808 |
| Noninterest income to average assets | 0.1996% | 4,556 |
| Noninterest expense to average assets | 1.4677% | 5,133 |
| Loan and lease loss provision to assets | 0.0622% | 2,574 |
| Net operating income to assets | 1.4401% | 1,323 |
| Return on assets (ROA) | 1.4481% | 1,354 |
| Pretax return on assets | 1.9565% | 744 |
| Return on Equity (ROE) | 15.2888% | 708 |
| Retained earnings to average equity (ytd only) | 15.2888% | 160 |
| Net charge-offs to loans | 0.0365% | 2,141 |
| Credit loss provision to net charge-offs | 213.5802% | 1,151 |
| Earnings coverage of net charge-offs (x) | 68.9383% | 903 |
| Efficiency ratio | 42.2185% | 5,111 |
| Assets per employee ($millions) | 19.2178% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5146% | 5,001 |
| Loan loss allowance to noncurrent loans | 508.7141% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,008 |
| Noncurrent loans to loans | 0.1011% | 4,222 |
| Net loans and leases to total assets | 80.2675% | 844 |
| Net loans and leases to deposits | 91.7084% | 1,521 |
| Net loans and leases to core deposits | 114.2480% | 769 |
| Total domestic deposits to total assets | 87.5247% | 1,331 |
| Equity capital to assets | 9.5713% | 4,337 |
| Core capital (leverage) ratio | 9.7783% | 3,848 |
| Tier 1 risk-based capital ratio | 10.9304% | 4,947 |
| Total risk-based capital ratio | 11.4065% | 5,131 |
| Memoranda: | ||
| Average total assets | $1,111,972,670 | 712 |
| Average earning assets | $1,063,252,670 | 683 |
| Average equity | $105,319,000 | 855 |
| Average total loans | $886,954,000 | 650 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 3,068 |
| Cost of funding earning assets | 0.9760% | 1,676 |
| Net interest margin | 3.4686% | 3,683 |
| Noninterest income to average assets | 0.2199% | 4,435 |
| Noninterest expense to average assets | 1.4693% | 5,188 |
| Loan and lease loss provision to assets | 0.0997% | 1,765 |
| Net operating income to assets | 1.4651% | 1,195 |
| Return on assets (ROA) | 1.4700% | 1,208 |
| Pretax return on assets | 1.9721% | 671 |
| Return on Equity (ROE) | 15.6075% | 649 |
| Retained earnings to average equity (ytd only) | 15.6075% | 241 |
| Net charge-offs to loans | 0.0680% | 1,374 |
| Credit loss provision to net charge-offs | 185.0340% | 1,101 |
| Earnings coverage of net charge-offs (x) | 38.3401% | 1,175 |
| Efficiency ratio | 41.5656% | 5,173 |
| Assets per employee ($millions) | 18.4084% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5320% | 5,042 |
| Loan loss allowance to noncurrent loans | 327.1596% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,059 |
| Noncurrent loans to loans | 0.1626% | 4,016 |
| Net loans and leases to total assets | 78.8180% | 1,013 |
| Net loans and leases to deposits | 90.0134% | 1,628 |
| Net loans and leases to core deposits | 114.9545% | 691 |
| Total domestic deposits to total assets | 87.5625% | 1,541 |
| Equity capital to assets | 9.3939% | 4,348 |
| Core capital (leverage) ratio | 9.8471% | 3,768 |
| Tier 1 risk-based capital ratio | 10.8543% | 5,043 |
| Total risk-based capital ratio | 11.3392% | 5,220 |
| Memoranda: | ||
| Average total assets | $1,091,424,000 | 730 |
| Average earning assets | $1,043,069,000 | 701 |
| Average equity | $102,796,500 | 866 |
| Average total loans | $865,267,500 | 673 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,734 |
| Cost of funding earning assets | 0.8507% | 1,299 |
| Net interest margin | 3.2513% | 4,380 |
| Noninterest income to average assets | 0.1424% | 4,998 |
| Noninterest expense to average assets | 1.5542% | 5,194 |
| Loan and lease loss provision to assets | 0.0442% | 3,300 |
| Net operating income to assets | 1.2293% | 2,051 |
| Return on assets (ROA) | 1.2218% | 2,072 |
| Pretax return on assets | 1.6386% | 1,348 |
| Return on Equity (ROE) | 13.2178% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.6270% | 356 |
| Net charge-offs to loans | 0.0070% | 3,439 |
| Credit loss provision to net charge-offs | 805.3571% | 444 |
| Earnings coverage of net charge-offs (x) | 308.3036% | 323 |
| Efficiency ratio | 47.8714% | 5,051 |
| Assets per employee ($millions) | 17.6656% | 64 |
| Cash dividends to net income (ytd only)* | 12.0347% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 5,061 |
| Loan loss allowance to noncurrent loans | 263.0559% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 3,827 |
| Noncurrent loans to loans | 0.2086% | 3,832 |
| Net loans and leases to total assets | 78.8849% | 1,115 |
| Net loans and leases to deposits | 91.8025% | 1,572 |
| Net loans and leases to core deposits | 116.6364% | 666 |
| Total domestic deposits to total assets | 85.9289% | 2,267 |
| Equity capital to assets | 9.4447% | 4,173 |
| Core capital (leverage) ratio | 9.8514% | 3,743 |
| Tier 1 risk-based capital ratio | 11.0657% | 4,943 |
| Total risk-based capital ratio | 11.5668% | 5,151 |
| Memoranda: | ||
| Average total assets | $1,020,169,600 | 753 |
| Average earning assets | $973,979,800 | 726 |
| Average equity | $94,297,400 | 895 |
| Average total loans | $803,199,800 | 696 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,805 |
| Cost of funding earning assets | 0.8067% | 1,304 |
| Net interest margin | 3.2372% | 4,437 |
| Noninterest income to average assets | 0.1489% | 5,030 |
| Noninterest expense to average assets | 1.5743% | 5,232 |
| Loan and lease loss provision to assets | 0.0395% | 3,213 |
| Net operating income to assets | 1.2051% | 2,222 |
| Return on assets (ROA) | 1.1936% | 2,269 |
| Pretax return on assets | 1.6092% | 1,554 |
| Return on Equity (ROE) | 12.9877% | 1,434 |
| Retained earnings to average equity (ytd only) | 10.8336% | 687 |
| Net charge-offs to loans | -0.0104% | 4,415 |
| Credit loss provision to net charge-offs | -482.2581% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6262% | 5,022 |
| Assets per employee ($millions) | 17.2408% | 67 |
| Cash dividends to net income (ytd only)* | 16.5856% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5483% | 5,128 |
| Loan loss allowance to noncurrent loans | 359.0446% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,055 |
| Noncurrent loans to loans | 0.1527% | 4,197 |
| Net loans and leases to total assets | 79.0723% | 1,152 |
| Net loans and leases to deposits | 93.1697% | 1,483 |
| Net loans and leases to core deposits | 128.7234% | 360 |
| Total domestic deposits to total assets | 84.8691% | 2,657 |
| Equity capital to assets | 9.0638% | 4,491 |
| Core capital (leverage) ratio | 9.5126% | 4,159 |
| Tier 1 risk-based capital ratio | 10.7616% | 5,146 |
| Total risk-based capital ratio | 11.2631% | 5,326 |
| Memoranda: | ||
| Average total assets | $1,010,228,250 | 752 |
| Average earning assets | $963,867,250 | 730 |
| Average equity | $92,844,750 | 902 |
| Average total loans | $793,814,000 | 699 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,932 |
| Cost of funding earning assets | 0.7410% | 1,423 |
| Net interest margin | 3.2074% | 4,482 |
| Noninterest income to average assets | 0.1503% | 5,071 |
| Noninterest expense to average assets | 1.5686% | 5,293 |
| Loan and lease loss provision to assets | 0.0297% | 3,315 |
| Net operating income to assets | 1.1997% | 2,201 |
| Return on assets (ROA) | 1.1837% | 2,265 |
| Pretax return on assets | 1.5915% | 1,526 |
| Return on Equity (ROE) | 12.8170% | 1,435 |
| Retained earnings to average equity (ytd only) | 12.8170% | 409 |
| Net charge-offs to loans | -0.0500% | 4,924 |
| Credit loss provision to net charge-offs | -75.8974% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8651% | 5,078 |
| Assets per employee ($millions) | 16.8761% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 5,157 |
| Loan loss allowance to noncurrent loans | 228.7144% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,590 |
| Noncurrent loans to loans | 0.2500% | 3,801 |
| Net loans and leases to total assets | 77.2214% | 1,439 |
| Net loans and leases to deposits | 90.1775% | 1,813 |
| Net loans and leases to core deposits | 133.9989% | 264 |
| Total domestic deposits to total assets | 85.6326% | 2,439 |
| Equity capital to assets | 9.1668% | 4,415 |
| Core capital (leverage) ratio | 9.2927% | 4,367 |
| Tier 1 risk-based capital ratio | 10.9248% | 5,096 |
| Total risk-based capital ratio | 11.4412% | 5,305 |
| Memoranda: | ||
| Average total assets | $996,408,670 | 767 |
| Average earning assets | $950,563,670 | 740 |
| Average equity | $92,018,670 | 908 |
| Average total loans | $779,692,670 | 715 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,061 |
| Cost of funding earning assets | 0.6457% | 1,742 |
| Net interest margin | 3.2118% | 4,418 |
| Noninterest income to average assets | 0.1086% | 5,296 |
| Noninterest expense to average assets | 1.5900% | 5,331 |
| Loan and lease loss provision to assets | 0.1123% | 1,682 |
| Net operating income to assets | 1.1021% | 2,409 |
| Return on assets (ROA) | 1.0728% | 2,565 |
| Pretax return on assets | 1.4353% | 1,882 |
| Return on Equity (ROE) | 11.5714% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.5714% | 773 |
| Net charge-offs to loans | 0.0265% | 1,968 |
| Credit loss provision to net charge-offs | 539.2157% | 556 |
| Earnings coverage of net charge-offs (x) | 76.1176% | 732 |
| Efficiency ratio | 50.0836% | 5,077 |
| Assets per employee ($millions) | 15.7904% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5728% | 5,233 |
| Loan loss allowance to noncurrent loans | 274.9075% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,794 |
| Noncurrent loans to loans | 0.2084% | 4,037 |
| Net loans and leases to total assets | 77.8084% | 1,274 |
| Net loans and leases to deposits | 93.3803% | 1,291 |
| Net loans and leases to core deposits | 136.1240% | 254 |
| Total domestic deposits to total assets | 83.3242% | 3,575 |
| Equity capital to assets | 9.1936% | 4,372 |
| Core capital (leverage) ratio | 9.5015% | 4,065 |
| Tier 1 risk-based capital ratio | 10.8600% | 5,214 |
| Total risk-based capital ratio | 11.3787% | 5,400 |
| Memoranda: | ||
| Average total assets | $979,891,500 | 779 |
| Average earning assets | $935,415,500 | 750 |
| Average equity | $90,844,500 | 930 |
| Average total loans | $769,778,000 | 718 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,299 |
| Cost of funding earning assets | 0.5750% | 1,778 |
| Net interest margin | 3.1406% | 4,599 |
| Noninterest income to average assets | 0.1230% | 5,330 |
| Noninterest expense to average assets | 1.5830% | 5,430 |
| Loan and lease loss provision to assets | 0.0403% | 3,459 |
| Net operating income to assets | 0.8915% | 2,762 |
| Return on assets (ROA) | 0.8918% | 2,787 |
| Pretax return on assets | 1.4779% | 1,726 |
| Return on Equity (ROE) | 9.4741% | 2,104 |
| Retained earnings to average equity (ytd only) | 1.6248% | 4,332 |
| Net charge-offs to loans | 0.0414% | 2,955 |
| Credit loss provision to net charge-offs | 124.8366% | 2,106 |
| Earnings coverage of net charge-offs (x) | 46.9902% | 1,140 |
| Efficiency ratio | 51.0535% | 5,164 |
| Assets per employee ($millions) | 15.3173% | 87 |
| Cash dividends to net income (ytd only)* | 82.8500% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 5,316 |
| Loan loss allowance to noncurrent loans | 298.4496% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 3,708 |
| Noncurrent loans to loans | 0.1864% | 4,170 |
| Net loans and leases to total assets | 78.4287% | 1,226 |
| Net loans and leases to deposits | 92.5501% | 1,441 |
| Net loans and leases to core deposits | 131.6118% | 307 |
| Total domestic deposits to total assets | 84.7419% | 2,932 |
| Equity capital to assets | 9.3505% | 4,378 |
| Core capital (leverage) ratio | 9.4939% | 4,056 |
| Tier 1 risk-based capital ratio | 10.7807% | 5,259 |
| Total risk-based capital ratio | 11.2837% | 5,465 |
| Memoranda: | ||
| Average total assets | $947,416,000 | 782 |
| Average earning assets | $898,295,800 | 754 |
| Average equity | $89,179,600 | 907 |
| Average total loans | $739,096,200 | 712 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,331 |
| Cost of funding earning assets | 0.5567% | 1,837 |
| Net interest margin | 3.1390% | 4,602 |
| Noninterest income to average assets | 0.0978% | 5,481 |
| Noninterest expense to average assets | 1.5726% | 5,473 |
| Loan and lease loss provision to assets | 0.0485% | 3,124 |
| Net operating income to assets | 0.8941% | 3,057 |
| Return on assets (ROA) | 0.8945% | 3,108 |
| Pretax return on assets | 1.4476% | 1,951 |
| Return on Equity (ROE) | 9.4873% | 2,356 |
| Retained earnings to average equity (ytd only) | 4.9888% | 2,896 |
| Net charge-offs to loans | 0.0456% | 2,530 |
| Credit loss provision to net charge-offs | 136.6534% | 1,802 |
| Earnings coverage of net charge-offs (x) | 42.1392% | 1,249 |
| Efficiency ratio | 51.2581% | 5,162 |
| Assets per employee ($millions) | 16.0306% | 74 |
| Cash dividends to net income (ytd only)* | 47.4158% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5674% | 5,381 |
| Loan loss allowance to noncurrent loans | 251.1504% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,867 |
| Noncurrent loans to loans | 0.2259% | 4,162 |
| Net loans and leases to total assets | 77.5562% | 1,338 |
| Net loans and leases to deposits | 91.2252% | 1,661 |
| Net loans and leases to core deposits | 130.6844% | 331 |
| Total domestic deposits to total assets | 85.0162% | 2,703 |
| Equity capital to assets | 9.5660% | 4,381 |
| Core capital (leverage) ratio | 9.6203% | 4,017 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,070 |
| Total risk-based capital ratio | 11.8245% | 5,358 |
| Memoranda: | ||
| Average total assets | $943,023,250 | 791 |
| Average earning assets | $892,333,000 | 761 |
| Average equity | $88,916,750 | 915 |
| Average total loans | $733,604,750 | 717 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 4,486 |
| Cost of funding earning assets | 0.5167% | 2,041 |
| Net interest margin | 3.0942% | 4,701 |
| Noninterest income to average assets | 0.1277% | 5,413 |
| Noninterest expense to average assets | 1.6098% | 5,488 |
| Loan and lease loss provision to assets | 0.0342% | 3,306 |
| Net operating income to assets | 0.8760% | 3,040 |
| Return on assets (ROA) | 0.8764% | 3,093 |
| Pretax return on assets | 1.4160% | 1,947 |
| Return on Equity (ROE) | 9.3416% | 2,335 |
| Retained earnings to average equity (ytd only) | 2.5146% | 4,178 |
| Net charge-offs to loans | 0.0508% | 2,204 |
| Credit loss provision to net charge-offs | 86.4865% | 2,186 |
| Earnings coverage of net charge-offs (x) | 36.6973% | 1,321 |
| Efficiency ratio | 52.6206% | 5,127 |
| Assets per employee ($millions) | 15.4751% | 78 |
| Cash dividends to net income (ytd only)* | 73.0816% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 5,445 |
| Loan loss allowance to noncurrent loans | 154.7592% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 3,296 |
| Noncurrent loans to loans | 0.3616% | 3,735 |
| Net loans and leases to total assets | 76.7771% | 1,418 |
| Net loans and leases to deposits | 90.0860% | 1,716 |
| Net loans and leases to core deposits | 127.7427% | 349 |
| Total domestic deposits to total assets | 85.2265% | 2,721 |
| Equity capital to assets | 9.3532% | 4,564 |
| Core capital (leverage) ratio | 9.3988% | 4,233 |
| Tier 1 risk-based capital ratio | 11.1084% | 5,197 |
| Total risk-based capital ratio | 11.6181% | 5,442 |
| Memoranda: | ||
| Average total assets | $936,751,670 | 804 |
| Average earning assets | $887,530,330 | 773 |
| Average equity | $87,886,000 | 928 |
| Average total loans | $728,065,670 | 724 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4654% | 4,784 |
| Cost of funding earning assets | 0.4661% | 2,374 |
| Net interest margin | 2.9994% | 4,894 |
| Noninterest income to average assets | 0.0843% | 5,630 |
| Noninterest expense to average assets | 1.5742% | 5,580 |
| Loan and lease loss provision to assets | 0.0437% | 2,924 |
| Net operating income to assets | 0.8208% | 3,119 |
| Return on assets (ROA) | 0.8208% | 3,176 |
| Pretax return on assets | 1.3149% | 2,185 |
| Return on Equity (ROE) | 8.7352% | 2,546 |
| Retained earnings to average equity (ytd only) | -5.0645% | 5,388 |
| Net charge-offs to loans | 0.0709% | 1,618 |
| Credit loss provision to net charge-offs | 78.9063% | 1,762 |
| Earnings coverage of net charge-offs (x) | 24.5547% | 1,354 |
| Efficiency ratio | 53.6772% | 5,162 |
| Assets per employee ($millions) | 14.5749% | 98 |
| Cash dividends to net income (ytd only)* | 157.9779% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5708% | 5,520 |
| Loan loss allowance to noncurrent loans | 105.1965% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,955 |
| Noncurrent loans to loans | 0.5426% | 3,193 |
| Net loans and leases to total assets | 77.4945% | 1,200 |
| Net loans and leases to deposits | 91.0744% | 1,418 |
| Net loans and leases to core deposits | 125.8806% | 328 |
| Total domestic deposits to total assets | 85.0893% | 3,048 |
| Equity capital to assets | 9.2873% | 4,530 |
| Core capital (leverage) ratio | 9.5249% | 4,095 |
| Tier 1 risk-based capital ratio | 11.0456% | 5,282 |
| Total risk-based capital ratio | 11.5662% | 5,553 |
| Memoranda: | ||
| Average total assets | $925,400,500 | 811 |
| Average earning assets | $878,852,500 | 783 |
| Average equity | $86,959,000 | 935 |
| Average total loans | $721,705,000 | 729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,465 |
| Cost of funding earning assets | 0.5820% | 1,476 |
| Net interest margin | 3.0374% | 4,884 |
| Noninterest income to average assets | 0.3293% | 4,382 |
| Noninterest expense to average assets | 1.5714% | 5,673 |
| Loan and lease loss provision to assets | 0.1995% | 1,162 |
| Net operating income to assets | 0.8116% | 3,252 |
| Return on assets (ROA) | 0.8569% | 3,150 |
| Pretax return on assets | 1.3899% | 1,984 |
| Return on Equity (ROE) | 9.3955% | 2,233 |
| Retained earnings to average equity (ytd only) | 2.4316% | 4,140 |
| Net charge-offs to loans | 0.2150% | 1,287 |
| Credit loss provision to net charge-offs | 124.1765% | 2,154 |
| Earnings coverage of net charge-offs (x) | 9.4519% | 2,751 |
| Efficiency ratio | 50.8529% | 5,442 |
| Assets per employee ($millions) | 13.5001% | 116 |
| Cash dividends to net income (ytd only)* | 74.1198% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5839% | 5,560 |
| Loan loss allowance to noncurrent loans | 91.2323% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 2,589 |
| Noncurrent loans to loans | 0.6400% | 2,933 |
| Net loans and leases to total assets | 77.5825% | 1,275 |
| Net loans and leases to deposits | 90.4001% | 1,635 |
| Net loans and leases to core deposits | 125.5029% | 354 |
| Total domestic deposits to total assets | 85.8213% | 2,668 |
| Equity capital to assets | 9.5083% | 4,263 |
| Core capital (leverage) ratio | 9.4272% | 4,187 |
| Tier 1 risk-based capital ratio | 11.2366% | 5,198 |
| Total risk-based capital ratio | 11.7633% | 5,500 |
| Memoranda: | ||
| Average total assets | $944,736,000 | 761 |
| Average earning assets | $858,727,400 | 762 |
| Average equity | $86,158,600 | 923 |
| Average total loans | $705,899,400 | 717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5456% | 4,693 |
| Cost of funding earning assets | 0.5875% | 1,432 |
| Net interest margin | 2.9580% | 5,084 |
| Noninterest income to average assets | 0.3332% | 4,402 |
| Noninterest expense to average assets | 1.5477% | 5,727 |
| Loan and lease loss provision to assets | 0.1921% | 1,128 |
| Net operating income to assets | 0.7728% | 3,497 |
| Return on assets (ROA) | 0.8219% | 3,408 |
| Pretax return on assets | 1.3309% | 2,307 |
| Return on Equity (ROE) | 9.1059% | 2,446 |
| Retained earnings to average equity (ytd only) | 2.8956% | 4,163 |
| Net charge-offs to loans | 0.2377% | 987 |
| Credit loss provision to net charge-offs | 109.3301% | 2,231 |
| Earnings coverage of net charge-offs (x) | 8.2297% | 2,795 |
| Efficiency ratio | 51.6944% | 5,403 |
| Assets per employee ($millions) | 13.9166% | 102 |
| Cash dividends to net income (ytd only)* | 68.2012% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5463% | 5,676 |
| Loan loss allowance to noncurrent loans | 87.1846% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 2,732 |
| Noncurrent loans to loans | 0.6266% | 3,132 |
| Net loans and leases to total assets | 75.7759% | 1,556 |
| Net loans and leases to deposits | 92.7400% | 1,405 |
| Net loans and leases to core deposits | 133.0788% | 262 |
| Total domestic deposits to total assets | 81.7079% | 4,036 |
| Equity capital to assets | 9.4590% | 4,705 |
| Core capital (leverage) ratio | 9.2496% | 4,531 |
| Tier 1 risk-based capital ratio | 11.0775% | 5,332 |
| Total risk-based capital ratio | 11.5681% | 5,620 |
| Memoranda: | ||
| Average total assets | $951,417,500 | 761 |
| Average earning assets | $855,768,750 | 767 |
| Average equity | $85,876,500 | 931 |
| Average total loans | $703,274,750 | 717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,506 |
| Cost of funding earning assets | 0.5888% | 1,409 |
| Net interest margin | 3.0412% | 4,993 |
| Noninterest income to average assets | 0.3586% | 4,201 |
| Noninterest expense to average assets | 1.5241% | 5,819 |
| Loan and lease loss provision to assets | 0.1826% | 1,193 |
| Net operating income to assets | 0.8238% | 3,201 |
| Return on assets (ROA) | 0.8733% | 3,102 |
| Pretax return on assets | 1.4173% | 1,962 |
| Return on Equity (ROE) | 9.8318% | 2,126 |
| Retained earnings to average equity (ytd only) | 0.3827% | 5,188 |
| Net charge-offs to loans | 0.2653% | 908 |
| Credit loss provision to net charge-offs | 94.0541% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.8432% | 2,586 |
| Efficiency ratio | 50.0276% | 5,558 |
| Assets per employee ($millions) | 13.7150% | 102 |
| Cash dividends to net income (ytd only)* | 96.1076% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5165% | 5,785 |
| Loan loss allowance to noncurrent loans | 73.5191% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 2,998 |
| Noncurrent loans to loans | 0.7025% | 2,971 |
| Net loans and leases to total assets | 73.5931% | 1,917 |
| Net loans and leases to deposits | 91.9197% | 1,529 |
| Net loans and leases to core deposits | 134.6926% | 243 |
| Total domestic deposits to total assets | 80.0624% | 4,524 |
| Equity capital to assets | 8.8622% | 5,343 |
| Core capital (leverage) ratio | 9.1838% | 4,618 |
| Tier 1 risk-based capital ratio | 10.7223% | 5,566 |
| Total risk-based capital ratio | 11.1983% | 5,813 |
| Memoranda: | ||
| Average total assets | $953,113,000 | 761 |
| Average earning assets | $842,364,000 | 783 |
| Average equity | $84,664,330 | 937 |
| Average total loans | $697,356,330 | 722 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,330 |
| Cost of funding earning assets | 0.5839% | 1,454 |
| Net interest margin | 3.1149% | 4,819 |
| Noninterest income to average assets | 0.4116% | 3,736 |
| Noninterest expense to average assets | 1.5582% | 5,862 |
| Loan and lease loss provision to assets | 0.1252% | 1,693 |
| Net operating income to assets | 0.9298% | 2,604 |
| Return on assets (ROA) | 1.0009% | 2,392 |
| Pretax return on assets | 1.6300% | 1,225 |
| Return on Equity (ROE) | 11.2541% | 1,513 |
| Retained earnings to average equity (ytd only) | -7.9673% | 5,746 |
| Net charge-offs to loans | 0.1839% | 1,059 |
| Credit loss provision to net charge-offs | 93.6102% | 1,734 |
| Earnings coverage of net charge-offs (x) | 12.2907% | 1,805 |
| Efficiency ratio | 48.6587% | 5,696 |
| Assets per employee ($millions) | 13.0405% | 122 |
| Cash dividends to net income (ytd only)* | 170.7942% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 5,808 |
| Loan loss allowance to noncurrent loans | 48.5878% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 2,280 |
| Noncurrent loans to loans | 1.1521% | 2,100 |
| Net loans and leases to total assets | 72.2529% | 1,994 |
| Net loans and leases to deposits | 89.2444% | 1,668 |
| Net loans and leases to core deposits | 129.8205% | 274 |
| Total domestic deposits to total assets | 80.9607% | 4,504 |
| Equity capital to assets | 8.8579% | 5,291 |
| Core capital (leverage) ratio | 9.0334% | 4,809 |
| Tier 1 risk-based capital ratio | 11.0128% | 5,494 |
| Total risk-based capital ratio | 11.5245% | 5,766 |
| Memoranda: | ||
| Average total assets | $935,931,000 | 774 |
| Average earning assets | $838,563,500 | 790 |
| Average equity | $83,240,500 | 954 |
| Average total loans | $680,790,500 | 734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 4,691 |
| Cost of funding earning assets | 0.5428% | 1,826 |
| Net interest margin | 3.0528% | 5,020 |
| Noninterest income to average assets | 0.3562% | 4,356 |
| Noninterest expense to average assets | 1.6348% | 5,891 |
| Loan and lease loss provision to assets | 0.2805% | 644 |
| Net operating income to assets | 0.7700% | 3,464 |
| Return on assets (ROA) | 0.7725% | 3,530 |
| Pretax return on assets | 1.2558% | 2,450 |
| Return on Equity (ROE) | 8.0027% | 2,954 |
| Retained earnings to average equity (ytd only) | 2.0019% | 4,590 |
| Net charge-offs to loans | 0.2834% | 1,071 |
| Credit loss provision to net charge-offs | 133.6830% | 1,964 |
| Earnings coverage of net charge-offs (x) | 7.3037% | 3,095 |
| Efficiency ratio | 51.6168% | 5,659 |
| Assets per employee ($millions) | 12.2756% | 140 |
| Cash dividends to net income (ytd only)* | 74.9850% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5664% | 5,846 |
| Loan loss allowance to noncurrent loans | 48.5001% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 2,233 |
| Noncurrent loans to loans | 1.1679% | 2,028 |
| Net loans and leases to total assets | 72.4072% | 1,980 |
| Net loans and leases to deposits | 92.3527% | 1,365 |
| Net loans and leases to core deposits | 133.4598% | 224 |
| Total domestic deposits to total assets | 78.4029% | 5,081 |
| Equity capital to assets | 8.9301% | 5,191 |
| Core capital (leverage) ratio | 9.4093% | 4,308 |
| Tier 1 risk-based capital ratio | 11.3553% | 5,343 |
| Total risk-based capital ratio | 11.8804% | 5,630 |
| Memoranda: | ||
| Average total assets | $863,162,200 | 795 |
| Average earning assets | $794,783,800 | 788 |
| Average equity | $83,321,400 | 916 |
| Average total loans | $638,972,600 | 730 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,492 |
| Cost of funding earning assets | 0.5358% | 1,923 |
| Net interest margin | 3.1416% | 4,840 |
| Noninterest income to average assets | 0.3749% | 4,249 |
| Noninterest expense to average assets | 1.6640% | 5,929 |
| Loan and lease loss provision to assets | 0.3181% | 444 |
| Net operating income to assets | 0.7747% | 3,555 |
| Return on assets (ROA) | 0.7782% | 3,623 |
| Pretax return on assets | 1.2637% | 2,538 |
| Return on Equity (ROE) | 7.8983% | 3,129 |
| Retained earnings to average equity (ytd only) | -0.1024% | 5,619 |
| Net charge-offs to loans | 0.3127% | 853 |
| Credit loss provision to net charge-offs | 136.8136% | 1,800 |
| Earnings coverage of net charge-offs (x) | 6.7797% | 3,004 |
| Efficiency ratio | 51.3500% | 5,692 |
| Assets per employee ($millions) | 12.0013% | 148 |
| Cash dividends to net income (ytd only)* | 101.2966% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5865% | 5,916 |
| Loan loss allowance to noncurrent loans | 54.4945% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 2,510 |
| Noncurrent loans to loans | 1.0762% | 2,333 |
| Net loans and leases to total assets | 71.4695% | 2,146 |
| Net loans and leases to deposits | 88.1766% | 1,877 |
| Net loans and leases to core deposits | 127.4662% | 313 |
| Total domestic deposits to total assets | 81.0527% | 4,462 |
| Equity capital to assets | 9.1787% | 5,139 |
| Core capital (leverage) ratio | 9.3911% | 4,450 |
| Tier 1 risk-based capital ratio | 11.6152% | 5,321 |
| Total risk-based capital ratio | 12.1534% | 5,624 |
| Memoranda: | ||
| Average total assets | $845,716,500 | 823 |
| Average earning assets | $771,442,500 | 828 |
| Average equity | $83,323,500 | 921 |
| Average total loans | $628,874,000 | 750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 4,608 |
| Cost of funding earning assets | 0.5075% | 2,183 |
| Net interest margin | 3.1322% | 4,876 |
| Noninterest income to average assets | 0.3569% | 4,403 |
| Noninterest expense to average assets | 1.7035% | 5,966 |
| Loan and lease loss provision to assets | 0.4207% | 266 |
| Net operating income to assets | 0.6801% | 3,978 |
| Return on assets (ROA) | 0.6832% | 4,083 |
| Pretax return on assets | 1.1102% | 3,128 |
| Return on Equity (ROE) | 6.7665% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.7665% | 1,807 |
| Net charge-offs to loans | 0.0912% | 2,115 |
| Credit loss provision to net charge-offs | 613.0282% | 542 |
| Earnings coverage of net charge-offs (x) | 22.2359% | 1,651 |
| Efficiency ratio | 52.7462% | 5,669 |
| Assets per employee ($millions) | 11.4583% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 5,782 |
| Loan loss allowance to noncurrent loans | 59.1873% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 2,302 |
| Noncurrent loans to loans | 1.2089% | 2,236 |
| Net loans and leases to total assets | 76.1953% | 1,339 |
| Net loans and leases to deposits | 91.4810% | 1,426 |
| Net loans and leases to core deposits | 133.0719% | 226 |
| Total domestic deposits to total assets | 83.2909% | 3,835 |
| Equity capital to assets | 9.7584% | 4,329 |
| Core capital (leverage) ratio | 10.4755% | 2,993 |
| Tier 1 risk-based capital ratio | 11.8292% | 5,262 |
| Total risk-based capital ratio | 12.4854% | 5,530 |
| Memoranda: | ||
| Average total assets | $827,590,000 | 853 |
| Average earning assets | $759,027,330 | 845 |
| Average equity | $83,559,000 | 919 |
| Average total loans | $622,802,330 | 758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,304 |
| Cost of funding earning assets | 0.5167% | 2,139 |
| Net interest margin | 3.2011% | 4,608 |
| Noninterest income to average assets | 0.2981% | 4,786 |
| Noninterest expense to average assets | 1.7376% | 5,976 |
| Loan and lease loss provision to assets | 0.5539% | 181 |
| Net operating income to assets | 0.5525% | 4,469 |
| Return on assets (ROA) | 0.5588% | 4,558 |
| Pretax return on assets | 0.9018% | 3,883 |
| Return on Equity (ROE) | 5.4383% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.4383% | 2,814 |
| Net charge-offs to loans | 0.1198% | 1,547 |
| Credit loss provision to net charge-offs | 620.9945% | 459 |
| Earnings coverage of net charge-offs (x) | 16.2099% | 1,586 |
| Efficiency ratio | 54.5820% | 5,631 |
| Assets per employee ($millions) | 10.9395% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 5,907 |
| Loan loss allowance to noncurrent loans | 47.3454% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 2,042 |
| Noncurrent loans to loans | 1.4821% | 1,910 |
| Net loans and leases to total assets | 73.7336% | 1,544 |
| Net loans and leases to deposits | 87.8830% | 1,620 |
| Net loans and leases to core deposits | 122.9667% | 353 |
| Total domestic deposits to total assets | 83.8997% | 3,852 |
| Equity capital to assets | 10.4578% | 3,574 |
| Core capital (leverage) ratio | 10.5154% | 2,940 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,916 |
| Total risk-based capital ratio | 13.1172% | 5,218 |
| Memoranda: | ||
| Average total assets | $811,700,500 | 872 |
| Average earning assets | $731,620,500 | 882 |
| Average equity | $83,408,000 | 918 |
| Average total loans | $604,444,500 | 773 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,208 |
| Cost of funding earning assets | 0.5834% | 1,922 |
| Net interest margin | 3.2947% | 4,586 |
| Noninterest income to average assets | 0.2212% | 5,538 |
| Noninterest expense to average assets | 1.7437% | 6,121 |
| Loan and lease loss provision to assets | 0.3163% | 635 |
| Net operating income to assets | 0.7071% | 3,853 |
| Return on assets (ROA) | 0.7104% | 3,948 |
| Pretax return on assets | 1.1634% | 2,811 |
| Return on Equity (ROE) | 7.2877% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.7511% | 2,796 |
| Net charge-offs to loans | 0.8696% | 376 |
| Credit loss provision to net charge-offs | 48.7982% | 3,506 |
| Earnings coverage of net charge-offs (x) | 2.2751% | 4,206 |
| Efficiency ratio | 54.1836% | 5,825 |
| Assets per employee ($millions) | 10.5699% | 210 |
| Cash dividends to net income (ytd only)* | 34.8068% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5413% | 6,214 |
| Loan loss allowance to noncurrent loans | 44.7436% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1734% | 2,418 |
| Noncurrent loans to loans | 1.2098% | 2,427 |
| Net loans and leases to total assets | 74.2729% | 1,541 |
| Net loans and leases to deposits | 87.9677% | 1,736 |
| Net loans and leases to core deposits | 121.1198% | 385 |
| Total domestic deposits to total assets | 84.4320% | 3,545 |
| Equity capital to assets | 10.0946% | 3,990 |
| Core capital (leverage) ratio | 10.3438% | 3,120 |
| Tier 1 risk-based capital ratio | 12.4164% | 5,078 |
| Total risk-based capital ratio | 12.9129% | 5,478 |
| Memoranda: | ||
| Average total assets | $808,851,000 | 839 |
| Average earning assets | $735,747,200 | 832 |
| Average equity | $78,844,800 | 928 |
| Average total loans | $602,774,000 | 730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8950% | 4,192 |
| Cost of funding earning assets | 0.5887% | 1,938 |
| Net interest margin | 3.3063% | 4,583 |
| Noninterest income to average assets | 0.2102% | 5,675 |
| Noninterest expense to average assets | 1.7654% | 6,136 |
| Loan and lease loss provision to assets | 0.3162% | 595 |
| Net operating income to assets | 0.6954% | 3,963 |
| Return on assets (ROA) | 0.6988% | 4,040 |
| Pretax return on assets | 1.1476% | 3,000 |
| Return on Equity (ROE) | 7.2342% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.2342% | 1,700 |
| Net charge-offs to loans | 0.7609% | 443 |
| Credit loss provision to net charge-offs | 55.7821% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.5730% | 3,879 |
| Efficiency ratio | 54.7629% | 5,755 |
| Assets per employee ($millions) | 11.0466% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 6,011 |
| Loan loss allowance to noncurrent loans | 48.8615% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4107% | 2,188 |
| Noncurrent loans to loans | 1.5211% | 2,129 |
| Net loans and leases to total assets | 74.2734% | 1,476 |
| Net loans and leases to deposits | 87.9589% | 1,677 |
| Net loans and leases to core deposits | 123.3960% | 320 |
| Total domestic deposits to total assets | 84.4410% | 3,572 |
| Equity capital to assets | 10.0720% | 4,082 |
| Core capital (leverage) ratio | 10.3680% | 3,191 |
| Tier 1 risk-based capital ratio | 12.5274% | 5,153 |
| Total risk-based capital ratio | 13.2041% | 5,433 |
| Memoranda: | ||
| Average total assets | $807,593,750 | 841 |
| Average earning assets | $736,066,500 | 840 |
| Average equity | $78,016,500 | 940 |
| Average total loans | $601,522,000 | 730 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 4,218 |
| Cost of funding earning assets | 0.5962% | 1,931 |
| Net interest margin | 3.2847% | 4,649 |
| Noninterest income to average assets | 0.1745% | 5,906 |
| Noninterest expense to average assets | 1.7914% | 6,156 |
| Loan and lease loss provision to assets | 0.5050% | 294 |
| Net operating income to assets | 0.5370% | 4,665 |
| Return on assets (ROA) | 0.5399% | 4,748 |
| Pretax return on assets | 0.8854% | 3,936 |
| Return on Equity (ROE) | 5.6687% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.6687% | 2,531 |
| Net charge-offs to loans | 0.6158% | 646 |
| Credit loss provision to net charge-offs | 110.2703% | 1,822 |
| Earnings coverage of net charge-offs (x) | 3.0265% | 3,411 |
| Efficiency ratio | 56.3805% | 5,706 |
| Assets per employee ($millions) | 11.0606% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 5,292 |
| Loan loss allowance to noncurrent loans | 66.5280% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 2,052 |
| Noncurrent loans to loans | 1.5233% | 2,283 |
| Net loans and leases to total assets | 75.4479% | 1,242 |
| Net loans and leases to deposits | 89.3099% | 1,437 |
| Net loans and leases to core deposits | 124.3390% | 297 |
| Total domestic deposits to total assets | 84.4788% | 3,735 |
| Equity capital to assets | 9.7936% | 4,366 |
| Core capital (leverage) ratio | 9.8891% | 3,761 |
| Tier 1 risk-based capital ratio | 11.9795% | 5,554 |
| Total risk-based capital ratio | 12.8998% | 5,668 |
| Memoranda: | ||
| Average total assets | $807,990,670 | 843 |
| Average earning assets | $738,626,670 | 832 |
| Average equity | $76,948,330 | 949 |
| Average total loans | $600,886,670 | 723 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 4,628 |
| Cost of funding earning assets | 0.5942% | 2,024 |
| Net interest margin | 3.1672% | 5,020 |
| Noninterest income to average assets | 0.1900% | 5,827 |
| Noninterest expense to average assets | 1.7870% | 6,238 |
| Loan and lease loss provision to assets | 0.0505% | 3,089 |
| Net operating income to assets | 0.7744% | 3,285 |
| Return on assets (ROA) | 0.7760% | 3,355 |
| Pretax return on assets | 1.2803% | 2,175 |
| Return on Equity (ROE) | 8.2652% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,506 |
| Net charge-offs to loans | 0.4225% | 865 |
| Credit loss provision to net charge-offs | 16.2679% | 2,544 |
| Earnings coverage of net charge-offs (x) | 4.2807% | 2,549 |
| Efficiency ratio | 57.3630% | 5,716 |
| Assets per employee ($millions) | 10.7822% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 5,801 |
| Loan loss allowance to noncurrent loans | 63.6542% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.4885% | 2,370 |
| Noncurrent loans to loans | 1.4459% | 2,617 |
| Net loans and leases to total assets | 73.6014% | 1,329 |
| Net loans and leases to deposits | 90.2463% | 1,118 |
| Net loans and leases to core deposits | 126.6407% | 219 |
| Total domestic deposits to total assets | 81.5561% | 5,073 |
| Equity capital to assets | 9.5392% | 4,446 |
| Core capital (leverage) ratio | 10.0399% | 3,510 |
| Tier 1 risk-based capital ratio | 12.1057% | 5,566 |
| Total risk-based capital ratio | 12.9330% | 5,765 |
| Memoranda: | ||
| Average total assets | $808,274,500 | 850 |
| Average earning assets | $746,532,500 | 834 |
| Average equity | $75,884,500 | 963 |
| Average total loans | $593,619,500 | 734 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6819% | 5,188 |
| Cost of funding earning assets | 0.6410% | 2,288 |
| Net interest margin | 3.0409% | 5,479 |
| Noninterest income to average assets | 0.1221% | 6,312 |
| Noninterest expense to average assets | 1.7215% | 6,420 |
| Loan and lease loss provision to assets | 0.8801% | 225 |
| Net operating income to assets | 0.2301% | 5,747 |
| Return on assets (ROA) | 0.2087% | 5,866 |
| Pretax return on assets | 0.3303% | 5,645 |
| Return on Equity (ROE) | 2.1333% | 5,792 |
| Retained earnings to average equity (ytd only) | 2.1333% | 4,723 |
| Net charge-offs to loans | 1.2288% | 426 |
| Credit loss provision to net charge-offs | 97.9327% | 2,537 |
| Earnings coverage of net charge-offs (x) | 1.3841% | 4,599 |
| Efficiency ratio | 58.0539% | 5,732 |
| Assets per employee ($millions) | 10.3575% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 5,402 |
| Loan loss allowance to noncurrent loans | 59.1242% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 1,838 |
| Noncurrent loans to loans | 1.7481% | 2,306 |
| Net loans and leases to total assets | 71.8494% | 1,707 |
| Net loans and leases to deposits | 90.8540% | 1,171 |
| Net loans and leases to core deposits | 123.3572% | 284 |
| Total domestic deposits to total assets | 79.0822% | 5,637 |
| Equity capital to assets | 9.2376% | 4,764 |
| Core capital (leverage) ratio | 10.2126% | 3,275 |
| Tier 1 risk-based capital ratio | 12.0906% | 5,568 |
| Total risk-based capital ratio | 13.0160% | 5,696 |
| Memoranda: | ||
| Average total assets | $780,482,600 | 861 |
| Average earning assets | $729,750,400 | 834 |
| Average equity | $76,361,400 | 935 |
| Average total loans | $570,819,600 | 736 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 5,236 |
| Cost of funding earning assets | 0.6539% | 2,333 |
| Net interest margin | 3.0207% | 5,541 |
| Noninterest income to average assets | 0.1006% | 6,479 |
| Noninterest expense to average assets | 1.7489% | 6,410 |
| Loan and lease loss provision to assets | 0.7504% | 282 |
| Net operating income to assets | 0.2679% | 5,725 |
| Return on assets (ROA) | 0.2680% | 5,829 |
| Pretax return on assets | 0.4284% | 5,559 |
| Return on Equity (ROE) | 2.6998% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.6998% | 4,699 |
| Net charge-offs to loans | 1.3448% | 390 |
| Credit loss provision to net charge-offs | 76.1455% | 2,944 |
| Earnings coverage of net charge-offs (x) | 1.1960% | 4,444 |
| Efficiency ratio | 59.7398% | 5,471 |
| Assets per employee ($millions) | 10.0101% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 6,231 |
| Loan loss allowance to noncurrent loans | 67.1365% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.6930% | 2,432 |
| Noncurrent loans to loans | 1.2263% | 3,356 |
| Net loans and leases to total assets | 74.0046% | 1,293 |
| Net loans and leases to deposits | 91.0589% | 1,058 |
| Net loans and leases to core deposits | 130.6607% | 183 |
| Total domestic deposits to total assets | 81.2711% | 5,148 |
| Equity capital to assets | 9.5747% | 4,455 |
| Core capital (leverage) ratio | 10.2585% | 3,306 |
| Tier 1 risk-based capital ratio | 12.1242% | 5,702 |
| Total risk-based capital ratio | 12.8667% | 5,962 |
| Memoranda: | ||
| Average total assets | $773,631,750 | 873 |
| Average earning assets | $724,000,500 | 845 |
| Average equity | $76,794,500 | 941 |
| Average total loans | $566,893,750 | 732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 5,268 |
| Cost of funding earning assets | 0.6735% | 2,277 |
| Net interest margin | 2.9835% | 5,603 |
| Noninterest income to average assets | 0.1024% | 6,523 |
| Noninterest expense to average assets | 1.7307% | 6,468 |
| Loan and lease loss provision to assets | 0.9131% | 211 |
| Net operating income to assets | 0.1625% | 5,997 |
| Return on assets (ROA) | 0.1625% | 6,111 |
| Pretax return on assets | 0.2532% | 5,995 |
| Return on Equity (ROE) | 1.6175% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.6175% | 5,218 |
| Net charge-offs to loans | 1.3971% | 400 |
| Credit loss provision to net charge-offs | 89.7593% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.1464% | 4,155 |
| Efficiency ratio | 59.7411% | 5,515 |
| Assets per employee ($millions) | 9.9333% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 5,900 |
| Loan loss allowance to noncurrent loans | 44.6615% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 2,112 |
| Noncurrent loans to loans | 2.1909% | 2,187 |
| Net loans and leases to total assets | 76.4334% | 937 |
| Net loans and leases to deposits | 94.2782% | 789 |
| Net loans and leases to core deposits | 133.9935% | 161 |
| Total domestic deposits to total assets | 81.0722% | 5,326 |
| Equity capital to assets | 9.6548% | 4,381 |
| Core capital (leverage) ratio | 10.2839% | 3,119 |
| Tier 1 risk-based capital ratio | 11.8946% | 5,853 |
| Total risk-based capital ratio | 12.7813% | 6,060 |
| Memoranda: | ||
| Average total assets | $767,911,000 | 878 |
| Average earning assets | $719,281,000 | 846 |
| Average equity | $77,154,000 | 939 |
| Average total loans | $559,164,330 | 742 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6159% | 5,409 |
| Cost of funding earning assets | 0.6796% | 2,394 |
| Net interest margin | 2.9363% | 5,739 |
| Noninterest income to average assets | 0.1737% | 6,217 |
| Noninterest expense to average assets | 1.7183% | 6,538 |
| Loan and lease loss provision to assets | 0.7064% | 338 |
| Net operating income to assets | 0.3108% | 5,534 |
| Return on assets (ROA) | 0.3108% | 5,662 |
| Pretax return on assets | 0.4981% | 5,264 |
| Return on Equity (ROE) | 3.0334% | 5,577 |
| Retained earnings to average equity (ytd only) | 3.0334% | 4,461 |
| Net charge-offs to loans | 0.9501% | 646 |
| Credit loss provision to net charge-offs | 105.3042% | 1,750 |
| Earnings coverage of net charge-offs (x) | 1.7956% | 3,239 |
| Efficiency ratio | 58.7898% | 5,745 |
| Assets per employee ($millions) | 10.3750% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 5,425 |
| Loan loss allowance to noncurrent loans | 47.6715% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.1666% | 2,163 |
| Noncurrent loans to loans | 2.4053% | 2,157 |
| Net loans and leases to total assets | 72.3613% | 1,301 |
| Net loans and leases to deposits | 90.3262% | 938 |
| Net loans and leases to core deposits | 124.4316% | 224 |
| Total domestic deposits to total assets | 80.1111% | 5,730 |
| Equity capital to assets | 10.3520% | 3,733 |
| Core capital (leverage) ratio | 10.3293% | 2,997 |
| Tier 1 risk-based capital ratio | 12.8699% | 5,320 |
| Total risk-based capital ratio | 13.9110% | 5,420 |
| Memoranda: | ||
| Average total assets | $764,468,500 | 887 |
| Average earning assets | $715,725,500 | 858 |
| Average equity | $78,328,500 | 939 |
| Average total loans | $539,719,000 | 778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 4,974 |
| Cost of funding earning assets | 0.8471% | 2,313 |
| Net interest margin | 3.2463% | 5,438 |
| Noninterest income to average assets | 0.1769% | 6,135 |
| Noninterest expense to average assets | 1.7063% | 6,721 |
| Loan and lease loss provision to assets | 0.4690% | 1,326 |
| Net operating income to assets | 0.5594% | 4,434 |
| Return on assets (ROA) | 0.5782% | 4,602 |
| Pretax return on assets | 0.9453% | 3,764 |
| Return on Equity (ROE) | 5.7352% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.7352% | 2,227 |
| Net charge-offs to loans | 0.7118% | 1,658 |
| Credit loss provision to net charge-offs | 90.2764% | 3,468 |
| Earnings coverage of net charge-offs (x) | 2.6661% | 4,097 |
| Efficiency ratio | 55.1987% | 6,148 |
| Assets per employee ($millions) | 10.4265% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 5,084 |
| Loan loss allowance to noncurrent loans | 48.0680% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1086% | 2,326 |
| Noncurrent loans to loans | 2.5090% | 2,103 |
| Net loans and leases to total assets | 67.2276% | 2,330 |
| Net loans and leases to deposits | 83.5767% | 1,803 |
| Net loans and leases to core deposits | 116.9215% | 338 |
| Total domestic deposits to total assets | 80.4382% | 5,560 |
| Equity capital to assets | 10.1422% | 3,979 |
| Core capital (leverage) ratio | 10.2661% | 3,055 |
| Tier 1 risk-based capital ratio | 13.4207% | 4,810 |
| Total risk-based capital ratio | 14.5135% | 4,871 |
| Memoranda: | ||
| Average total assets | $752,315,400 | 886 |
| Average earning assets | $675,389,800 | 891 |
| Average equity | $75,847,000 | 930 |
| Average total loans | $549,066,200 | 756 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 4,836 |
| Cost of funding earning assets | 0.8851% | 2,272 |
| Net interest margin | 3.3097% | 5,356 |
| Noninterest income to average assets | 0.2255% | 5,941 |
| Noninterest expense to average assets | 1.7377% | 6,751 |
| Loan and lease loss provision to assets | 0.6016% | 918 |
| Net operating income to assets | 0.5043% | 4,828 |
| Return on assets (ROA) | 0.5219% | 5,015 |
| Pretax return on assets | 0.8538% | 4,285 |
| Return on Equity (ROE) | 5.1847% | 4,730 |
| Retained earnings to average equity (ytd only) | 5.1847% | 3,234 |
| Net charge-offs to loans | 0.5042% | 2,103 |
| Credit loss provision to net charge-offs | 160.6956% | 1,733 |
| Earnings coverage of net charge-offs (x) | 3.8142% | 3,503 |
| Efficiency ratio | 54.8907% | 6,155 |
| Assets per employee ($millions) | 10.2543% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,225 |
| Loan loss allowance to noncurrent loans | 52.7094% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.4518% | 2,161 |
| Noncurrent loans to loans | 2.7210% | 2,079 |
| Net loans and leases to total assets | 72.3285% | 1,495 |
| Net loans and leases to deposits | 90.0591% | 1,141 |
| Net loans and leases to core deposits | 127.0272% | 222 |
| Total domestic deposits to total assets | 80.3122% | 5,572 |
| Equity capital to assets | 10.1148% | 4,330 |
| Core capital (leverage) ratio | 10.1028% | 3,407 |
| Tier 1 risk-based capital ratio | 12.5247% | 5,619 |
| Total risk-based capital ratio | 13.7751% | 5,584 |
| Memoranda: | ||
| Average total assets | $747,504,250 | 898 |
| Average earning assets | $664,044,250 | 914 |
| Average equity | $75,245,500 | 937 |
| Average total loans | $555,074,500 | 755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 4,551 |
| Cost of funding earning assets | 0.9166% | 2,279 |
| Net interest margin | 3.3877% | 5,127 |
| Noninterest income to average assets | 0.2119% | 6,048 |
| Noninterest expense to average assets | 1.7525% | 6,798 |
| Loan and lease loss provision to assets | 0.3326% | 1,976 |
| Net operating income to assets | 0.6912% | 3,912 |
| Return on assets (ROA) | 0.7091% | 4,084 |
| Pretax return on assets | 1.1641% | 3,064 |
| Return on Equity (ROE) | 7.0562% | 3,750 |
| Retained earnings to average equity (ytd only) | 7.0562% | 2,073 |
| Net charge-offs to loans | 0.7315% | 1,512 |
| Credit loss provision to net charge-offs | 60.9961% | 3,771 |
| Earnings coverage of net charge-offs (x) | 2.6933% | 3,664 |
| Efficiency ratio | 54.4035% | 6,280 |
| Assets per employee ($millions) | 10.0971% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 5,981 |
| Loan loss allowance to noncurrent loans | 96.1357% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2730% | 3,882 |
| Noncurrent loans to loans | 1.0877% | 4,348 |
| Net loans and leases to total assets | 73.9935% | 1,244 |
| Net loans and leases to deposits | 92.2436% | 925 |
| Net loans and leases to core deposits | 129.0615% | 217 |
| Total domestic deposits to total assets | 80.2153% | 5,683 |
| Equity capital to assets | 10.0736% | 4,227 |
| Core capital (leverage) ratio | 10.1486% | 3,203 |
| Tier 1 risk-based capital ratio | 11.8004% | 6,055 |
| Total risk-based capital ratio | 12.7223% | 6,211 |
| Memoranda: | ||
| Average total assets | $743,733,670 | 905 |
| Average earning assets | $660,692,000 | 923 |
| Average equity | $74,743,000 | 940 |
| Average total loans | $554,490,670 | 757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 4,404 |
| Cost of funding earning assets | 0.9465% | 2,323 |
| Net interest margin | 3.4339% | 4,982 |
| Noninterest income to average assets | 0.3202% | 5,315 |
| Noninterest expense to average assets | 1.8503% | 6,738 |
| Loan and lease loss provision to assets | 0.4201% | 1,501 |
| Net operating income to assets | 0.6761% | 4,003 |
| Return on assets (ROA) | 0.6747% | 4,223 |
| Pretax return on assets | 1.1116% | 3,278 |
| Return on Equity (ROE) | 6.7215% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.7215% | 2,569 |
| Net charge-offs to loans | 0.3252% | 2,351 |
| Credit loss provision to net charge-offs | 173.5426% | 1,472 |
| Earnings coverage of net charge-offs (x) | 6.3363% | 2,225 |
| Efficiency ratio | 54.6752% | 6,270 |
| Assets per employee ($millions) | 10.0388% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 5,158 |
| Loan loss allowance to noncurrent loans | 85.5199% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 3,526 |
| Noncurrent loans to loans | 1.4855% | 3,891 |
| Net loans and leases to total assets | 73.6511% | 1,120 |
| Net loans and leases to deposits | 92.5338% | 760 |
| Net loans and leases to core deposits | 130.0512% | 201 |
| Total domestic deposits to total assets | 79.5938% | 5,949 |
| Equity capital to assets | 10.0219% | 4,100 |
| Core capital (leverage) ratio | 10.1949% | 3,113 |
| Tier 1 risk-based capital ratio | 11.8434% | 6,055 |
| Total risk-based capital ratio | 12.9599% | 6,135 |
| Memoranda: | ||
| Average total assets | $736,958,500 | 912 |
| Average earning assets | $657,558,000 | 927 |
| Average equity | $73,971,500 | 940 |
| Average total loans | $548,605,000 | 759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 5,372 |
| Cost of funding earning assets | 1.1283% | 2,480 |
| Net interest margin | 3.2838% | 5,860 |
| Noninterest income to average assets | 0.2448% | 5,790 |
| Noninterest expense to average assets | 1.6064% | 7,115 |
| Loan and lease loss provision to assets | 1.8241% | 357 |
| Net operating income to assets | -0.1420% | 6,194 |
| Return on assets (ROA) | -0.1357% | 6,263 |
| Pretax return on assets | -0.2315% | 6,304 |
| Return on Equity (ROE) | -1.3093% | 6,276 |
| Retained earnings to average equity (ytd only) | -1.3093% | 6,058 |
| Net charge-offs to loans | 2.2926% | 546 |
| Credit loss provision to net charge-offs | 111.3976% | 2,986 |
| Earnings coverage of net charge-offs (x) | 0.9666% | 5,075 |
| Efficiency ratio | 50.3707% | 6,808 |
| Assets per employee ($millions) | 9.6190% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,240 |
| Loan loss allowance to noncurrent loans | 83.4411% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 3,628 |
| Noncurrent loans to loans | 1.4813% | 3,929 |
| Net loans and leases to total assets | 73.3641% | 1,384 |
| Net loans and leases to deposits | 92.4649% | 928 |
| Net loans and leases to core deposits | 127.5167% | 265 |
| Total domestic deposits to total assets | 79.3426% | 5,907 |
| Equity capital to assets | 10.0531% | 4,102 |
| Core capital (leverage) ratio | 9.7138% | 3,728 |
| Tier 1 risk-based capital ratio | 11.9037% | 5,896 |
| Total risk-based capital ratio | 12.9973% | 5,980 |
| Memoranda: | ||
| Average total assets | $710,486,000 | 920 |
| Average earning assets | $637,041,400 | 933 |
| Average equity | $73,624,600 | 920 |
| Average total loans | $507,458,000 | 821 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 5,657 |
| Cost of funding earning assets | 1.1439% | 2,671 |
| Net interest margin | 3.2406% | 6,045 |
| Noninterest income to average assets | 0.1435% | 6,533 |
| Noninterest expense to average assets | 1.5935% | 7,173 |
| Loan and lease loss provision to assets | 1.9992% | 274 |
| Net operating income to assets | -0.3009% | 6,495 |
| Return on assets (ROA) | -0.2947% | 6,545 |
| Pretax return on assets | -0.4937% | 6,614 |
| Return on Equity (ROE) | -2.8220% | 6,546 |
| Retained earnings to average equity (ytd only) | -2.8220% | 6,397 |
| Net charge-offs to loans | 2.5269% | 427 |
| Credit loss provision to net charge-offs | 111.9272% | 2,928 |
| Earnings coverage of net charge-offs (x) | 0.8374% | 4,985 |
| Efficiency ratio | 51.5817% | 6,718 |
| Assets per employee ($millions) | 9.8692% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 5,120 |
| Loan loss allowance to noncurrent loans | 71.0328% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.6553% | 3,600 |
| Noncurrent loans to loans | 1.7959% | 3,642 |
| Net loans and leases to total assets | 68.0961% | 2,473 |
| Net loans and leases to deposits | 85.4104% | 1,773 |
| Net loans and leases to core deposits | 119.9399% | 386 |
| Total domestic deposits to total assets | 79.7281% | 5,821 |
| Equity capital to assets | 9.9136% | 4,461 |
| Core capital (leverage) ratio | 9.9051% | 3,564 |
| Tier 1 risk-based capital ratio | 12.6282% | 5,386 |
| Total risk-based capital ratio | 13.7585% | 5,474 |
| Memoranda: | ||
| Average total assets | $705,346,000 | 930 |
| Average earning assets | $641,187,000 | 933 |
| Average equity | $73,657,500 | 923 |
| Average total loans | $498,563,250 | 853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 6,179 |
| Cost of funding earning assets | 1.1456% | 2,927 |
| Net interest margin | 3.0983% | 6,413 |
| Noninterest income to average assets | -0.0124% | 7,210 |
| Noninterest expense to average assets | 1.5680% | 7,266 |
| Loan and lease loss provision to assets | 1.8073% | 367 |
| Net operating income to assets | -0.3071% | 6,561 |
| Return on assets (ROA) | -0.3016% | 6,589 |
| Pretax return on assets | -0.5019% | 6,655 |
| Return on Equity (ROE) | -2.8366% | 6,580 |
| Retained earnings to average equity (ytd only) | -2.8366% | 6,358 |
| Net charge-offs to loans | 2.0697% | 638 |
| Credit loss provision to net charge-offs | 122.4893% | 2,485 |
| Earnings coverage of net charge-offs (x) | 0.8789% | 4,636 |
| Efficiency ratio | 54.7348% | 6,540 |
| Assets per employee ($millions) | 9.6825% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 5,033 |
| Loan loss allowance to noncurrent loans | 34.2180% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.9283% | 2,291 |
| Noncurrent loans to loans | 3.8171% | 1,825 |
| Net loans and leases to total assets | 68.0195% | 2,607 |
| Net loans and leases to deposits | 85.8519% | 1,811 |
| Net loans and leases to core deposits | 124.5414% | 336 |
| Total domestic deposits to total assets | 79.2288% | 6,028 |
| Equity capital to assets | 10.1789% | 3,904 |
| Core capital (leverage) ratio | 10.9983% | 2,251 |
| Tier 1 risk-based capital ratio | 12.6106% | 5,249 |
| Total risk-based capital ratio | 13.7345% | 5,338 |
| Memoranda: | ||
| Average total assets | $693,732,000 | 955 |
| Average earning assets | $644,222,000 | 937 |
| Average equity | $73,750,330 | 920 |
| Average total loans | $494,567,000 | 876 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 5,863 |
| Cost of funding earning assets | 1.1790% | 2,955 |
| Net interest margin | 3.1691% | 6,170 |
| Noninterest income to average assets | 0.1765% | 6,464 |
| Noninterest expense to average assets | 1.5410% | 7,343 |
| Loan and lease loss provision to assets | 2.6314% | 192 |
| Net operating income to assets | -0.6311% | 6,883 |
| Return on assets (ROA) | -0.6311% | 6,887 |
| Pretax return on assets | -1.0362% | 7,013 |
| Return on Equity (ROE) | -5.8045% | 6,852 |
| Retained earnings to average equity (ytd only) | -5.8045% | 6,580 |
| Net charge-offs to loans | 1.5508% | 873 |
| Credit loss provision to net charge-offs | 233.8405% | 1,314 |
| Earnings coverage of net charge-offs (x) | 1.4176% | 3,639 |
| Efficiency ratio | 49.1340% | 7,053 |
| Assets per employee ($millions) | 8.7220% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,642 |
| Loan loss allowance to noncurrent loans | 47.4701% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.0736% | 2,244 |
| Noncurrent loans to loans | 3.4190% | 2,195 |
| Net loans and leases to total assets | 72.5770% | 1,594 |
| Net loans and leases to deposits | 89.0941% | 1,340 |
| Net loans and leases to core deposits | 121.6031% | 387 |
| Total domestic deposits to total assets | 81.4611% | 5,505 |
| Equity capital to assets | 11.0343% | 2,654 |
| Core capital (leverage) ratio | 10.9760% | 2,214 |
| Tier 1 risk-based capital ratio | 13.2145% | 4,652 |
| Total risk-based capital ratio | 14.4668% | 4,635 |
| Memoranda: | ||
| Average total assets | $677,503,500 | 990 |
| Average earning assets | $632,739,000 | 957 |
| Average equity | $73,666,500 | 914 |
| Average total loans | $491,607,000 | 894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 5,698 |
| Cost of funding earning assets | 1.4238% | 3,115 |
| Net interest margin | 3.3039% | 5,965 |
| Noninterest income to average assets | -0.1157% | 7,404 |
| Noninterest expense to average assets | 1.9734% | 7,065 |
| Loan and lease loss provision to assets | 0.9466% | 1,723 |
| Net operating income to assets | 0.0006% | 5,830 |
| Return on assets (ROA) | 0.0742% | 5,785 |
| Pretax return on assets | 0.1091% | 5,683 |
| Return on Equity (ROE) | 0.7634% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.7634% | 5,171 |
| Net charge-offs to loans | 1.4775% | 1,491 |
| Credit loss provision to net charge-offs | 89.2049% | 5,161 |
| Earnings coverage of net charge-offs (x) | 0.8929% | 5,224 |
| Efficiency ratio | 67.5623% | 4,654 |
| Assets per employee ($millions) | 8.9888% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,984 |
| Loan loss allowance to noncurrent loans | 87.5203% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 2.2805% | 2,992 |
| Noncurrent loans to loans | 1.2453% | 4,639 |
| Net loans and leases to total assets | 70.6219% | 2,385 |
| Net loans and leases to deposits | 86.1071% | 2,074 |
| Net loans and leases to core deposits | 114.2093% | 721 |
| Total domestic deposits to total assets | 82.0163% | 5,183 |
| Equity capital to assets | 10.7190% | 2,935 |
| Core capital (leverage) ratio | 10.3476% | 2,724 |
| Tier 1 risk-based capital ratio | 13.0175% | 4,584 |
| Total risk-based capital ratio | 14.0568% | 4,735 |
| Memoranda: | ||
| Average total assets | $679,184,000 | 977 |
| Average earning assets | $624,231,000 | 965 |
| Average equity | $66,017,200 | 1,015 |
| Average total loans | $487,786,600 | 918 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 6,026 |
| Cost of funding earning assets | 1.4595% | 3,222 |
| Net interest margin | 3.2386% | 6,216 |
| Noninterest income to average assets | 0.1874% | 6,544 |
| Noninterest expense to average assets | 1.9398% | 7,151 |
| Loan and lease loss provision to assets | 1.1527% | 1,259 |
| Net operating income to assets | 0.0405% | 5,903 |
| Return on assets (ROA) | 0.1359% | 5,838 |
| Pretax return on assets | 0.2067% | 5,716 |
| Return on Equity (ROE) | 1.4360% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.4360% | 5,225 |
| Net charge-offs to loans | 1.7581% | 1,109 |
| Credit loss provision to net charge-offs | 91.1558% | 4,722 |
| Earnings coverage of net charge-offs (x) | 0.9607% | 5,103 |
| Efficiency ratio | 61.4894% | 5,706 |
| Assets per employee ($millions) | 9.2718% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,812 |
| Loan loss allowance to noncurrent loans | 51.5662% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 4.0273% | 1,733 |
| Noncurrent loans to loans | 2.1918% | 3,459 |
| Net loans and leases to total assets | 68.5815% | 3,074 |
| Net loans and leases to deposits | 83.5668% | 2,782 |
| Net loans and leases to core deposits | 111.4307% | 961 |
| Total domestic deposits to total assets | 82.0679% | 4,966 |
| Equity capital to assets | 9.8219% | 4,388 |
| Core capital (leverage) ratio | 10.1794% | 3,065 |
| Tier 1 risk-based capital ratio | 12.1325% | 5,331 |
| Total risk-based capital ratio | 14.3830% | 4,453 |
| Memoranda: | ||
| Average total assets | $675,945,750 | 989 |
| Average earning assets | $619,299,500 | 983 |
| Average equity | $63,974,000 | 1,043 |
| Average total loans | $486,186,750 | 929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 5,832 |
| Cost of funding earning assets | 1.5259% | 3,098 |
| Net interest margin | 3.2637% | 6,124 |
| Noninterest income to average assets | 0.1906% | 6,541 |
| Noninterest expense to average assets | 1.8520% | 7,331 |
| Loan and lease loss provision to assets | 1.7042% | 733 |
| Net operating income to assets | -0.2223% | 6,383 |
| Return on assets (ROA) | -0.2102% | 6,415 |
| Pretax return on assets | -0.3573% | 6,478 |
| Return on Equity (ROE) | -2.2511% | 6,441 |
| Retained earnings to average equity (ytd only) | -2.2511% | 6,186 |
| Net charge-offs to loans | 1.8825% | 983 |
| Credit loss provision to net charge-offs | 124.2744% | 3,256 |
| Earnings coverage of net charge-offs (x) | 0.9683% | 4,812 |
| Efficiency ratio | 58.2401% | 6,350 |
| Assets per employee ($millions) | 8.6798% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,867 |
| Loan loss allowance to noncurrent loans | 54.1297% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 4.3839% | 1,520 |
| Noncurrent loans to loans | 2.7895% | 2,864 |
| Net loans and leases to total assets | 70.9330% | 2,679 |
| Net loans and leases to deposits | 86.9726% | 2,344 |
| Net loans and leases to core deposits | 113.5959% | 934 |
| Total domestic deposits to total assets | 81.5578% | 5,175 |
| Equity capital to assets | 10.2945% | 3,656 |
| Core capital (leverage) ratio | 10.4288% | 2,684 |
| Tier 1 risk-based capital ratio | 12.3967% | 4,951 |
| Total risk-based capital ratio | 14.3743% | 4,302 |
| Memoranda: | ||
| Average total assets | $663,285,330 | 1,022 |
| Average earning assets | $607,527,330 | 1,010 |
| Average equity | $61,925,000 | 1,074 |
| Average total loans | $483,176,000 | 947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 6,077 |
| Cost of funding earning assets | 1.5789% | 3,081 |
| Net interest margin | 3.1710% | 6,378 |
| Noninterest income to average assets | 0.1986% | 6,541 |
| Noninterest expense to average assets | 1.8010% | 7,460 |
| Loan and lease loss provision to assets | 1.4505% | 814 |
| Net operating income to assets | -0.0737% | 6,403 |
| Return on assets (ROA) | -0.0496% | 6,453 |
| Pretax return on assets | -0.0975% | 6,467 |
| Return on Equity (ROE) | -0.5608% | 6,477 |
| Retained earnings to average equity (ytd only) | -0.5608% | 5,966 |
| Net charge-offs to loans | 2.6722% | 607 |
| Credit loss provision to net charge-offs | 74.0878% | 4,010 |
| Earnings coverage of net charge-offs (x) | 0.6719% | 4,425 |
| Efficiency ratio | 57.7894% | 6,519 |
| Assets per employee ($millions) | 8.2953% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,885 |
| Loan loss allowance to noncurrent loans | 35.7954% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 4.1138% | 1,665 |
| Noncurrent loans to loans | 3.1460% | 2,553 |
| Net loans and leases to total assets | 71.3580% | 2,598 |
| Net loans and leases to deposits | 86.6965% | 2,467 |
| Net loans and leases to core deposits | 112.4703% | 1,133 |
| Total domestic deposits to total assets | 82.3078% | 4,929 |
| Equity capital to assets | 10.0057% | 3,870 |
| Core capital (leverage) ratio | 10.1093% | 3,032 |
| Tier 1 risk-based capital ratio | 12.3828% | 4,847 |
| Total risk-based capital ratio | 13.4047% | 5,003 |
| Memoranda: | ||
| Average total assets | $660,754,000 | 1,044 |
| Average earning assets | $608,014,500 | 1,033 |
| Average equity | $58,486,000 | 1,140 |
| Average total loans | $484,090,500 | 972 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 4,847 |
| Cost of funding earning assets | 2.0400% | 2,773 |
| Net interest margin | 3.3276% | 5,630 |
| Noninterest income to average assets | 0.1818% | 6,788 |
| Noninterest expense to average assets | 1.7111% | 7,691 |
| Loan and lease loss provision to assets | 1.1311% | 2,017 |
| Net operating income to assets | 0.2453% | 4,736 |
| Return on assets (ROA) | 0.2622% | 4,758 |
| Pretax return on assets | 0.4131% | 4,456 |
| Return on Equity (ROE) | 3.3009% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.3009% | 2,858 |
| Net charge-offs to loans | 0.8096% | 2,802 |
| Credit loss provision to net charge-offs | 183.2910% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.4596% | 3,892 |
| Efficiency ratio | 52.9920% | 7,320 |
| Assets per employee ($millions) | 8.4327% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,096 |
| Loan loss allowance to noncurrent loans | 46.0619% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7014% | 2,592 |
| Noncurrent loans to loans | 2.7022% | 2,851 |
| Net loans and leases to total assets | 73.4129% | 2,401 |
| Net loans and leases to deposits | 87.5434% | 2,639 |
| Net loans and leases to core deposits | 108.1008% | 3,093 |
| Total domestic deposits to total assets | 83.8589% | 4,099 |
| Equity capital to assets | 7.7159% | 6,842 |
| Core capital (leverage) ratio | 7.7987% | 6,454 |
| Tier 1 risk-based capital ratio | 9.4172% | 7,270 |
| Total risk-based capital ratio | 11.5369% | 6,570 |
| Memoranda: | ||
| Average total assets | $638,141,200 | 1,086 |
| Average earning assets | $584,352,200 | 1,080 |
| Average equity | $50,683,000 | 1,321 |
| Average total loans | $486,410,200 | 994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 4,741 |
| Cost of funding earning assets | 2.1392% | 2,712 |
| Net interest margin | 3.3012% | 5,635 |
| Noninterest income to average assets | 0.1899% | 6,858 |
| Noninterest expense to average assets | 1.7549% | 7,703 |
| Loan and lease loss provision to assets | 1.2610% | 1,528 |
| Net operating income to assets | 0.1200% | 5,405 |
| Return on assets (ROA) | 0.1430% | 5,409 |
| Pretax return on assets | 0.2201% | 5,253 |
| Return on Equity (ROE) | 1.7873% | 5,236 |
| Retained earnings to average equity (ytd only) | 1.7873% | 4,316 |
| Net charge-offs to loans | 0.5540% | 3,024 |
| Credit loss provision to net charge-offs | 296.6700% | 1,395 |
| Earnings coverage of net charge-offs (x) | 3.4011% | 3,547 |
| Efficiency ratio | 54.8317% | 7,139 |
| Assets per employee ($millions) | 8.5014% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,067 |
| Loan loss allowance to noncurrent loans | 48.6835% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1401% | 3,173 |
| Noncurrent loans to loans | 2.8334% | 2,677 |
| Net loans and leases to total assets | 73.7574% | 2,598 |
| Net loans and leases to deposits | 87.6343% | 3,038 |
| Net loans and leases to core deposits | 111.0416% | 3,124 |
| Total domestic deposits to total assets | 84.1650% | 3,647 |
| Equity capital to assets | 7.6516% | 7,191 |
| Core capital (leverage) ratio | 7.7308% | 6,688 |
| Tier 1 risk-based capital ratio | 9.2303% | 7,524 |
| Total risk-based capital ratio | 11.4756% | 6,693 |
| Memoranda: | ||
| Average total assets | $631,131,500 | 1,116 |
| Average earning assets | $575,581,000 | 1,109 |
| Average equity | $50,503,250 | 1,348 |
| Average total loans | $484,206,250 | 1,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 5,547 |
| Cost of funding earning assets | 2.2475% | 2,592 |
| Net interest margin | 3.0741% | 6,319 |
| Noninterest income to average assets | 0.1792% | 7,014 |
| Noninterest expense to average assets | 1.8251% | 7,717 |
| Loan and lease loss provision to assets | 0.6859% | 2,372 |
| Net operating income to assets | 0.2794% | 4,983 |
| Return on assets (ROA) | 0.3143% | 4,944 |
| Pretax return on assets | 0.4954% | 4,631 |
| Return on Equity (ROE) | 3.8672% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.8672% | 3,131 |
| Net charge-offs to loans | 0.2236% | 4,101 |
| Credit loss provision to net charge-offs | 396.2756% | 1,176 |
| Earnings coverage of net charge-offs (x) | 6.5102% | 2,602 |
| Efficiency ratio | 61.8257% | 6,270 |
| Assets per employee ($millions) | 8.2992% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 6,792 |
| Loan loss allowance to noncurrent loans | 46.2055% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 3,952 |
| Noncurrent loans to loans | 1.9392% | 3,619 |
| Net loans and leases to total assets | 77.4535% | 1,869 |
| Net loans and leases to deposits | 92.4162% | 2,391 |
| Net loans and leases to core deposits | 115.5653% | 2,752 |
| Total domestic deposits to total assets | 83.8094% | 3,867 |
| Equity capital to assets | 7.8873% | 6,879 |
| Core capital (leverage) ratio | 8.1124% | 6,141 |
| Tier 1 risk-based capital ratio | 9.1606% | 7,614 |
| Total risk-based capital ratio | 10.7742% | 7,326 |
| Memoranda: | ||
| Average total assets | $620,471,000 | 1,151 |
| Average earning assets | $559,649,670 | 1,158 |
| Average equity | $50,424,670 | 1,358 |
| Average total loans | $480,296,330 | 1,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 5,575 |
| Cost of funding earning assets | 2.4008% | 2,292 |
| Net interest margin | 2.9683% | 6,560 |
| Noninterest income to average assets | 0.2369% | 6,564 |
| Noninterest expense to average assets | 1.7749% | 7,727 |
| Loan and lease loss provision to assets | 0.3816% | 3,032 |
| Net operating income to assets | 0.4364% | 4,715 |
| Return on assets (ROA) | 0.4339% | 4,902 |
| Pretax return on assets | 0.6918% | 4,459 |
| Return on Equity (ROE) | 5.2582% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.2582% | 2,985 |
| Net charge-offs to loans | 0.2447% | 3,175 |
| Credit loss provision to net charge-offs | 202.4306% | 2,194 |
| Earnings coverage of net charge-offs (x) | 5.7153% | 2,617 |
| Efficiency ratio | 62.2304% | 6,012 |
| Assets per employee ($millions) | 8.0837% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 7,542 |
| Loan loss allowance to noncurrent loans | 81.2628% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 5,582 |
| Noncurrent loans to loans | 0.8159% | 5,406 |
| Net loans and leases to total assets | 77.5245% | 1,928 |
| Net loans and leases to deposits | 93.2991% | 2,384 |
| Net loans and leases to core deposits | 114.4841% | 2,959 |
| Total domestic deposits to total assets | 83.0925% | 4,099 |
| Equity capital to assets | 8.2296% | 6,498 |
| Core capital (leverage) ratio | 8.2473% | 6,006 |
| Tier 1 risk-based capital ratio | 9.1033% | 7,731 |
| Total risk-based capital ratio | 10.4853% | 7,630 |
| Memoranda: | ||
| Average total assets | $611,187,500 | 1,168 |
| Average earning assets | $538,486,000 | 1,204 |
| Average equity | $50,435,500 | 1,361 |
| Average total loans | $470,728,500 | 1,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 5,439 |
| Cost of funding earning assets | 3.0806% | 1,570 |
| Net interest margin | 2.9426% | 7,050 |
| Noninterest income to average assets | 0.5326% | 4,378 |
| Noninterest expense to average assets | 1.6419% | 7,923 |
| Loan and lease loss provision to assets | 0.0951% | 6,171 |
| Net operating income to assets | 0.8951% | 3,017 |
| Return on assets (ROA) | 0.9075% | 2,815 |
| Pretax return on assets | 1.4523% | 1,817 |
| Return on Equity (ROE) | 11.0810% | 1,876 |
| Retained earnings to average equity (ytd only) | 3.9643% | 2,665 |
| Net charge-offs to loans | 0.0796% | 5,625 |
| Credit loss provision to net charge-offs | 159.2486% | 3,247 |
| Earnings coverage of net charge-offs (x) | 25.5751% | 1,325 |
| Efficiency ratio | 51.7950% | 7,511 |
| Assets per employee ($millions) | 8.1069% | 455 |
| Cash dividends to net income (ytd only)* | 64.2245% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6242% | 7,624 |
| Loan loss allowance to noncurrent loans | 272.5898% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,867 |
| Noncurrent loans to loans | 0.2290% | 6,702 |
| Net loans and leases to total assets | 75.5103% | 2,757 |
| Net loans and leases to deposits | 91.4004% | 3,232 |
| Net loans and leases to core deposits | 118.0557% | 2,875 |
| Total domestic deposits to total assets | 82.6149% | 3,942 |
| Equity capital to assets | 8.2748% | 6,451 |
| Core capital (leverage) ratio | 8.4496% | 5,655 |
| Tier 1 risk-based capital ratio | 9.5456% | 7,256 |
| Total risk-based capital ratio | 10.3872% | 7,648 |
| Memoranda: | ||
| Average total assets | $579,094,800 | 1,163 |
| Average earning assets | $519,025,200 | 1,191 |
| Average equity | $47,423,600 | 1,445 |
| Average total loans | $434,741,600 | 1,101 |