Home > Home Federal Savings Bank > Performance and Condition Ratios
Home Federal Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,817 |
| Cost of funding earning assets | 1.2282% | 2,734 |
| Net interest margin | 2.8665% | 3,546 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.5081% | 2,272 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.5820% | 3,491 |
| Return on assets (ROA) | 0.5932% | 3,451 |
| Pretax return on assets | 0.8222% | 3,158 |
| Return on Equity (ROE) | 7.6700% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.3369% | 2,475 |
| Net charge-offs to loans | 0.0383% | 1,545 |
| Credit loss provision to net charge-offs | 250.0000% | 1,064 |
| Earnings coverage of net charge-offs (x) | 30.3868% | 1,630 |
| Efficiency ratio | 74.1928% | 1,436 |
| Assets per employee ($millions) | 6.8340% | 2,184 |
| Cash dividends to net income (ytd only)* | 30.4414% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,474 |
| Loan loss allowance to noncurrent loans | 309.6909% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,584 |
| Noncurrent loans to loans | 0.4447% | 1,667 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 84.9786% | 1,694 |
| Net loans and leases to core deposits | 97.8237% | 1,551 |
| Total domestic deposits to total assets | 89.9900% | 759 |
| Equity capital to assets | 8.2648% | 3,232 |
| Core capital (leverage) ratio | 9.0788% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7950% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,107,595,800 | 907 |
| Average earning assets | $1,061,768,600 | 875 |
| Average equity | $85,630,200 | 1,077 |
| Average total loans | $829,941,800 | 841 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 3,832 |
| Cost of funding earning assets | 1.0767% | 2,808 |
| Net interest margin | 2.9323% | 3,475 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.5178% | 2,173 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5806% | 3,594 |
| Return on assets (ROA) | 0.5885% | 3,560 |
| Pretax return on assets | 0.8553% | 3,204 |
| Return on Equity (ROE) | 7.7500% | 3,248 |
| Retained earnings to average equity (ytd only) | 4.5767% | 3,074 |
| Net charge-offs to loans | -0.0013% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.3785% | 1,412 |
| Assets per employee ($millions) | 7.2577% | 1,783 |
| Cash dividends to net income (ytd only)* | 40.9082% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,510 |
| Loan loss allowance to noncurrent loans | 1,107.0305% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 2,956 |
| Noncurrent loans to loans | 0.1250% | 2,928 |
| Net loans and leases to total assets | 73.8900% | 1,350 |
| Net loans and leases to deposits | 80.1765% | 2,031 |
| Net loans and leases to core deposits | 90.6501% | 1,886 |
| Total domestic deposits to total assets | 92.1500% | 424 |
| Equity capital to assets | 7.3234% | 3,455 |
| Core capital (leverage) ratio | 8.9299% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3656% | 2,491 |
| Memoranda: | ||
| Average total assets | $1,107,718,000 | 911 |
| Average earning assets | $1,061,398,000 | 874 |
| Average equity | $84,162,750 | 1,083 |
| Average total loans | $822,804,000 | 845 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 3,865 |
| Cost of funding earning assets | 0.9103% | 2,891 |
| Net interest margin | 2.9910% | 3,452 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.5912% | 1,951 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5929% | 3,590 |
| Return on assets (ROA) | 0.6019% | 3,575 |
| Pretax return on assets | 0.8401% | 3,300 |
| Return on Equity (ROE) | 7.8200% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.8218% | 2,030 |
| Net charge-offs to loans | -0.0005% | 3,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.7754% | 1,279 |
| Assets per employee ($millions) | 6.6420% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,636 |
| Loan loss allowance to noncurrent loans | 752.2534% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,445 |
| Noncurrent loans to loans | 0.1822% | 2,563 |
| Net loans and leases to total assets | 74.7000% | 1,205 |
| Net loans and leases to deposits | 83.4437% | 1,726 |
| Net loans and leases to core deposits | 91.1728% | 1,725 |
| Total domestic deposits to total assets | 89.5200% | 1,079 |
| Equity capital to assets | 7.8070% | 3,345 |
| Core capital (leverage) ratio | 9.2478% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6096% | 2,431 |
| Memoranda: | ||
| Average total assets | $1,092,298,000 | 910 |
| Average earning assets | $1,045,544,000 | 877 |
| Average equity | $84,046,667 | 1,079 |
| Average total loans | $808,877,000 | 839 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,817 |
| Cost of funding earning assets | 0.7374% | 2,937 |
| Net interest margin | 3.0839% | 3,384 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.6602% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6332% | 3,628 |
| Return on assets (ROA) | 0.6451% | 3,559 |
| Pretax return on assets | 0.9046% | 3,226 |
| Return on Equity (ROE) | 8.4500% | 3,187 |
| Retained earnings to average equity (ytd only) | 8.4474% | 2,094 |
| Net charge-offs to loans | -0.0136% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.0052% | 1,244 |
| Assets per employee ($millions) | 6.4944% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,536 |
| Loan loss allowance to noncurrent loans | 610.1130% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 2,291 |
| Noncurrent loans to loans | 0.2330% | 2,337 |
| Net loans and leases to total assets | 73.4000% | 1,275 |
| Net loans and leases to deposits | 80.2905% | 1,796 |
| Net loans and leases to core deposits | 86.0756% | 1,862 |
| Total domestic deposits to total assets | 91.4200% | 666 |
| Equity capital to assets | 7.8719% | 3,326 |
| Core capital (leverage) ratio | 9.2019% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8424% | 2,453 |
| Memoranda: | ||
| Average total assets | $1,083,838,500 | 932 |
| Average earning assets | $1,038,180,500 | 900 |
| Average equity | $82,771,500 | 1,111 |
| Average total loans | $793,258,500 | 867 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3596% | 3,451 |
| Cost of funding earning assets | 0.2007% | 3,754 |
| Net interest margin | 3.1589% | 2,992 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5118% | 2,070 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8003% | 3,329 |
| Return on assets (ROA) | 0.7986% | 3,260 |
| Pretax return on assets | 1.1336% | 2,660 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 2.9434% | 3,736 |
| Net charge-offs to loans | 0.0102% | 1,988 |
| Credit loss provision to net charge-offs | 1,467.1233% | 337 |
| Earnings coverage of net charge-offs (x) | 180.2466% | 699 |
| Efficiency ratio | 67.0159% | 2,089 |
| Assets per employee ($millions) | 6.6431% | 2,225 |
| Cash dividends to net income (ytd only)* | 70.5882% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 1,878 |
| Loan loss allowance to noncurrent loans | 546.9399% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,349 |
| Noncurrent loans to loans | 0.2383% | 2,323 |
| Net loans and leases to total assets | 71.0100% | 1,525 |
| Net loans and leases to deposits | 77.1108% | 2,027 |
| Net loans and leases to core deposits | 82.1430% | 1,998 |
| Total domestic deposits to total assets | 92.0900% | 618 |
| Equity capital to assets | 7.4071% | 3,432 |
| Core capital (leverage) ratio | 9.1379% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6519% | 2,507 |
| Memoranda: | ||
| Average total assets | $1,064,319,400 | 930 |
| Average earning assets | $1,017,345,200 | 893 |
| Average equity | $84,935,200 | 1,081 |
| Average total loans | $717,922,400 | 885 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 3,454 |
| Cost of funding earning assets | 0.1244% | 4,087 |
| Net interest margin | 3.0673% | 3,033 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.5045% | 2,007 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7690% | 3,358 |
| Return on assets (ROA) | 0.7640% | 3,322 |
| Pretax return on assets | 1.0754% | 2,795 |
| Return on Equity (ROE) | 9.4000% | 2,910 |
| Retained earnings to average equity (ytd only) | 0.0823% | 4,323 |
| Net charge-offs to loans | 0.0150% | 1,568 |
| Credit loss provision to net charge-offs | 1,191.1392% | 367 |
| Earnings coverage of net charge-offs (x) | 120.3924% | 845 |
| Efficiency ratio | 67.5990% | 2,073 |
| Assets per employee ($millions) | 6.2318% | 2,550 |
| Cash dividends to net income (ytd only)* | 99.1244% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,814 |
| Loan loss allowance to noncurrent loans | 560.2762% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,420 |
| Noncurrent loans to loans | 0.2406% | 2,421 |
| Net loans and leases to total assets | 70.8900% | 1,401 |
| Net loans and leases to deposits | 76.5840% | 1,826 |
| Net loans and leases to core deposits | 76.9509% | 2,116 |
| Total domestic deposits to total assets | 92.5600% | 696 |
| Equity capital to assets | 7.0169% | 3,511 |
| Core capital (leverage) ratio | 8.9515% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6591% | 2,595 |
| Memoranda: | ||
| Average total assets | $1,056,372,250 | 939 |
| Average earning assets | $1,009,391,250 | 909 |
| Average equity | $85,871,500 | 1,085 |
| Average total loans | $700,243,000 | 904 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 3,364 |
| Cost of funding earning assets | 0.1169% | 3,996 |
| Net interest margin | 2.9575% | 3,012 |
| Noninterest income to average assets | 0.8238% | 995 |
| Noninterest expense to average assets | 2.4906% | 1,960 |
| Loan and lease loss provision to assets | 0.0683% | 1,389 |
| Net operating income to assets | 0.7764% | 3,042 |
| Return on assets (ROA) | 0.7685% | 3,036 |
| Pretax return on assets | 1.0814% | 2,479 |
| Return on Equity (ROE) | 9.0459% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.0459% | 1,277 |
| Net charge-offs to loans | -0.0009% | 3,029 |
| Credit loss provision to net charge-offs | -12,066.6667% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2284% | 2,205 |
| Assets per employee ($millions) | 6.3978% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,775 |
| Loan loss allowance to noncurrent loans | 224.6448% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 1,418 |
| Noncurrent loans to loans | 0.6214% | 1,364 |
| Net loans and leases to total assets | 63.0037% | 2,014 |
| Net loans and leases to deposits | 68.6166% | 2,333 |
| Net loans and leases to core deposits | 69.0114% | 2,566 |
| Total domestic deposits to total assets | 91.8200% | 921 |
| Equity capital to assets | 7.8310% | 3,245 |
| Core capital (leverage) ratio | 9.7101% | 2,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0633% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,059,518,000 | 930 |
| Average earning assets | $1,012,603,667 | 905 |
| Average equity | $90,008,000 | 1,053 |
| Average total loans | $682,888,667 | 912 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0061% | 3,239 |
| Cost of funding earning assets | 0.1164% | 3,937 |
| Net interest margin | 2.8898% | 2,872 |
| Noninterest income to average assets | 0.8094% | 1,020 |
| Noninterest expense to average assets | 2.5716% | 1,686 |
| Loan and lease loss provision to assets | 0.1129% | 740 |
| Net operating income to assets | 0.6341% | 3,280 |
| Return on assets (ROA) | 0.6248% | 3,292 |
| Pretax return on assets | 0.8792% | 2,861 |
| Return on Equity (ROE) | 7.0697% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.0697% | 1,873 |
| Net charge-offs to loans | -0.0053% | 3,356 |
| Credit loss provision to net charge-offs | -3,288.8889% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9223% | 1,982 |
| Assets per employee ($millions) | 6.1220% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,952 |
| Loan loss allowance to noncurrent loans | 211.2875% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 1,294 |
| Noncurrent loans to loans | 0.6570% | 1,442 |
| Net loans and leases to total assets | 66.2007% | 1,389 |
| Net loans and leases to deposits | 72.6738% | 1,728 |
| Net loans and leases to core deposits | 73.3373% | 1,988 |
| Total domestic deposits to total assets | 91.0929% | 989 |
| Equity capital to assets | 8.6035% | 3,076 |
| Core capital (leverage) ratio | 9.5456% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9902% | 2,205 |
| Memoranda: | ||
| Average total assets | $1,048,667,000 | 943 |
| Average earning assets | $1,003,822,000 | 916 |
| Average equity | $92,677,000 | 1,052 |
| Average total loans | $678,906,500 | 906 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 3,212 |
| Cost of funding earning assets | 0.1653% | 3,817 |
| Net interest margin | 3.1368% | 2,774 |
| Noninterest income to average assets | 1.2867% | 643 |
| Noninterest expense to average assets | 2.5491% | 2,030 |
| Loan and lease loss provision to assets | -0.2134% | 4,715 |
| Net operating income to assets | 1.4193% | 1,217 |
| Return on assets (ROA) | 1.4271% | 1,257 |
| Pretax return on assets | 1.9868% | 616 |
| Return on Equity (ROE) | 14.8431% | 986 |
| Retained earnings to average equity (ytd only) | 8.5599% | 1,325 |
| Net charge-offs to loans | -0.1066% | 4,598 |
| Credit loss provision to net charge-offs | 303.1474% | 1,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1091% | 3,281 |
| Assets per employee ($millions) | 6.5173% | 2,320 |
| Cash dividends to net income (ytd only)* | 42.3310% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,950 |
| Loan loss allowance to noncurrent loans | 200.8007% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 1,437 |
| Noncurrent loans to loans | 0.6924% | 1,453 |
| Net loans and leases to total assets | 61.5695% | 1,988 |
| Net loans and leases to deposits | 68.1158% | 2,305 |
| Net loans and leases to core deposits | 68.6820% | 2,586 |
| Total domestic deposits to total assets | 90.3895% | 766 |
| Equity capital to assets | 9.0628% | 3,552 |
| Core capital (leverage) ratio | 9.4674% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4270% | 2,074 |
| Memoranda: | ||
| Average total assets | $993,169,600 | 965 |
| Average earning assets | $958,037,200 | 938 |
| Average equity | $95,492,000 | 1,043 |
| Average total loans | $655,464,800 | 931 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 2,972 |
| Cost of funding earning assets | 0.1764% | 3,854 |
| Net interest margin | 3.2695% | 2,513 |
| Noninterest income to average assets | 1.3591% | 641 |
| Noninterest expense to average assets | 2.5452% | 1,984 |
| Loan and lease loss provision to assets | -0.3220% | 4,834 |
| Net operating income to assets | 1.6422% | 932 |
| Return on assets (ROA) | 1.6496% | 961 |
| Pretax return on assets | 2.3004% | 466 |
| Return on Equity (ROE) | 16.8911% | 778 |
| Retained earnings to average equity (ytd only) | 8.4834% | 1,882 |
| Net charge-offs to loans | -0.1479% | 4,724 |
| Credit loss provision to net charge-offs | 325.0000% | 962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3832% | 3,487 |
| Assets per employee ($millions) | 6.1659% | 2,536 |
| Cash dividends to net income (ytd only)* | 49.7760% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,923 |
| Loan loss allowance to noncurrent loans | 507.2707% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,972 |
| Noncurrent loans to loans | 0.2807% | 2,795 |
| Net loans and leases to total assets | 60.6189% | 2,182 |
| Net loans and leases to deposits | 67.3681% | 2,503 |
| Net loans and leases to core deposits | 68.0375% | 2,771 |
| Total domestic deposits to total assets | 89.9816% | 782 |
| Equity capital to assets | 9.2775% | 3,587 |
| Core capital (leverage) ratio | 9.6353% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0965% | 1,937 |
| Memoranda: | ||
| Average total assets | $974,253,000 | 990 |
| Average earning assets | $940,133,500 | 964 |
| Average equity | $95,148,250 | 1,062 |
| Average total loans | $652,492,000 | 947 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 3,001 |
| Cost of funding earning assets | 0.1911% | 3,838 |
| Net interest margin | 3.2705% | 2,550 |
| Noninterest income to average assets | 1.5252% | 531 |
| Noninterest expense to average assets | 2.5729% | 1,929 |
| Loan and lease loss provision to assets | -0.3076% | 4,843 |
| Net operating income to assets | 1.7285% | 828 |
| Return on assets (ROA) | 1.7366% | 867 |
| Pretax return on assets | 2.4213% | 403 |
| Return on Equity (ROE) | 17.4650% | 726 |
| Retained earnings to average equity (ytd only) | 17.4650% | 250 |
| Net charge-offs to loans | -0.2080% | 4,800 |
| Credit loss provision to net charge-offs | 214.4737% | 1,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0204% | 3,673 |
| Assets per employee ($millions) | 5.7366% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,540 |
| Loan loss allowance to noncurrent loans | 565.6589% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,069 |
| Noncurrent loans to loans | 0.2679% | 2,979 |
| Net loans and leases to total assets | 65.7040% | 1,724 |
| Net loans and leases to deposits | 73.7564% | 2,023 |
| Net loans and leases to core deposits | 74.5971% | 2,360 |
| Total domestic deposits to total assets | 89.0824% | 1,238 |
| Equity capital to assets | 10.0942% | 2,770 |
| Core capital (leverage) ratio | 10.0146% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4321% | 1,823 |
| Memoranda: | ||
| Average total assets | $953,711,667 | 998 |
| Average earning assets | $918,880,333 | 979 |
| Average equity | $94,829,667 | 1,060 |
| Average total loans | $657,653,667 | 947 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 2,980 |
| Cost of funding earning assets | 0.2039% | 3,874 |
| Net interest margin | 3.2770% | 2,457 |
| Noninterest income to average assets | 1.2114% | 838 |
| Noninterest expense to average assets | 2.5002% | 2,174 |
| Loan and lease loss provision to assets | -0.2451% | 4,837 |
| Net operating income to assets | 1.5114% | 1,305 |
| Return on assets (ROA) | 1.5292% | 1,332 |
| Pretax return on assets | 2.1309% | 764 |
| Return on Equity (ROE) | 15.5023% | 1,110 |
| Retained earnings to average equity (ytd only) | 15.5023% | 572 |
| Net charge-offs to loans | -0.0055% | 3,424 |
| Credit loss provision to net charge-offs | 6,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2989% | 3,392 |
| Assets per employee ($millions) | 5.9547% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,472 |
| Loan loss allowance to noncurrent loans | 404.9560% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 2,523 |
| Noncurrent loans to loans | 0.3796% | 2,734 |
| Net loans and leases to total assets | 66.8664% | 1,681 |
| Net loans and leases to deposits | 74.5856% | 2,058 |
| Net loans and leases to core deposits | 75.4779% | 2,397 |
| Total domestic deposits to total assets | 89.6506% | 996 |
| Equity capital to assets | 9.6754% | 3,035 |
| Core capital (leverage) ratio | 9.9965% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2184% | 1,841 |
| Memoranda: | ||
| Average total assets | $940,089,000 | 1,001 |
| Average earning assets | $904,252,500 | 976 |
| Average equity | $92,734,500 | 1,072 |
| Average total loans | $659,258,500 | 934 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 2,991 |
| Cost of funding earning assets | 0.3567% | 3,838 |
| Net interest margin | 3.5558% | 2,291 |
| Noninterest income to average assets | 1.6060% | 482 |
| Noninterest expense to average assets | 2.9137% | 1,646 |
| Loan and lease loss provision to assets | 0.3191% | 1,157 |
| Net operating income to assets | 1.2801% | 1,305 |
| Return on assets (ROA) | 1.2784% | 1,411 |
| Pretax return on assets | 1.7829% | 714 |
| Return on Equity (ROE) | 12.2301% | 1,256 |
| Retained earnings to average equity (ytd only) | 6.5759% | 1,558 |
| Net charge-offs to loans | 0.0863% | 1,598 |
| Credit loss provision to net charge-offs | 478.5461% | 1,291 |
| Earnings coverage of net charge-offs (x) | 31.5585% | 1,565 |
| Efficiency ratio | 58.0677% | 3,716 |
| Assets per employee ($millions) | 5.2882% | 3,061 |
| Cash dividends to net income (ytd only)* | 46.2321% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 1,238 |
| Loan loss allowance to noncurrent loans | 409.6095% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 2,556 |
| Noncurrent loans to loans | 0.3961% | 2,793 |
| Net loans and leases to total assets | 71.3167% | 1,386 |
| Net loans and leases to deposits | 80.1311% | 1,852 |
| Net loans and leases to core deposits | 81.2878% | 2,249 |
| Total domestic deposits to total assets | 89.0001% | 991 |
| Equity capital to assets | 10.0662% | 3,070 |
| Core capital (leverage) ratio | 9.8512% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8700% | 1,898 |
| Memoranda: | ||
| Average total assets | $845,946,800 | 1,014 |
| Average earning assets | $811,659,800 | 991 |
| Average equity | $88,429,600 | 1,073 |
| Average total loans | $653,695,400 | 912 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,115 |
| Cost of funding earning assets | 0.3895% | 3,867 |
| Net interest margin | 3.5590% | 2,395 |
| Noninterest income to average assets | 1.5226% | 502 |
| Noninterest expense to average assets | 2.9829% | 1,479 |
| Loan and lease loss provision to assets | 0.2487% | 1,626 |
| Net operating income to assets | 1.2273% | 1,557 |
| Return on assets (ROA) | 1.2222% | 1,690 |
| Pretax return on assets | 1.6988% | 973 |
| Return on Equity (ROE) | 11.5749% | 1,486 |
| Retained earnings to average equity (ytd only) | 3.9688% | 3,065 |
| Net charge-offs to loans | 0.1186% | 1,178 |
| Credit loss provision to net charge-offs | 266.8966% | 1,866 |
| Earnings coverage of net charge-offs (x) | 20.9724% | 1,883 |
| Efficiency ratio | 60.4217% | 3,328 |
| Assets per employee ($millions) | 5.2491% | 2,951 |
| Cash dividends to net income (ytd only)* | 65.7117% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,790 |
| Loan loss allowance to noncurrent loans | 375.2756% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 2,821 |
| Noncurrent loans to loans | 0.3697% | 2,958 |
| Net loans and leases to total assets | 75.4705% | 1,167 |
| Net loans and leases to deposits | 84.5120% | 1,856 |
| Net loans and leases to core deposits | 85.8267% | 2,316 |
| Total domestic deposits to total assets | 89.3015% | 651 |
| Equity capital to assets | 9.8500% | 3,378 |
| Core capital (leverage) ratio | 9.7322% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4116% | 2,029 |
| Memoranda: | ||
| Average total assets | $830,043,000 | 1,013 |
| Average earning assets | $796,260,250 | 992 |
| Average equity | $87,647,500 | 1,070 |
| Average total loans | $652,277,000 | 914 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,202 |
| Cost of funding earning assets | 0.4288% | 3,903 |
| Net interest margin | 3.6185% | 2,421 |
| Noninterest income to average assets | 1.3327% | 583 |
| Noninterest expense to average assets | 3.0946% | 1,368 |
| Loan and lease loss provision to assets | 0.1927% | 2,105 |
| Net operating income to assets | 1.0872% | 2,009 |
| Return on assets (ROA) | 1.0796% | 2,159 |
| Pretax return on assets | 1.5031% | 1,449 |
| Return on Equity (ROE) | 9.9757% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.9757% | 793 |
| Net charge-offs to loans | 0.2163% | 715 |
| Credit loss provision to net charge-offs | 112.2655% | 2,325 |
| Earnings coverage of net charge-offs (x) | 9.9365% | 2,186 |
| Efficiency ratio | 64.4704% | 2,754 |
| Assets per employee ($millions) | 4.9539% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,163 |
| Loan loss allowance to noncurrent loans | 348.8907% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 2,826 |
| Noncurrent loans to loans | 0.3634% | 3,101 |
| Net loans and leases to total assets | 78.1267% | 830 |
| Net loans and leases to deposits | 88.1804% | 1,537 |
| Net loans and leases to core deposits | 89.9009% | 2,080 |
| Total domestic deposits to total assets | 88.5988% | 909 |
| Equity capital to assets | 10.4834% | 2,756 |
| Core capital (leverage) ratio | 10.4975% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8093% | 1,889 |
| Memoranda: | ||
| Average total assets | $807,525,333 | 1,022 |
| Average earning assets | $773,804,333 | 995 |
| Average equity | $87,392,333 | 1,058 |
| Average total loans | $640,718,667 | 911 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,274 |
| Cost of funding earning assets | 0.4854% | 4,006 |
| Net interest margin | 3.6978% | 2,327 |
| Noninterest income to average assets | 1.1534% | 654 |
| Noninterest expense to average assets | 3.3367% | 1,164 |
| Loan and lease loss provision to assets | 0.2358% | 1,317 |
| Net operating income to assets | 0.8043% | 2,896 |
| Return on assets (ROA) | 0.7812% | 3,052 |
| Pretax return on assets | 1.0934% | 2,544 |
| Return on Equity (ROE) | 7.0961% | 2,906 |
| Retained earnings to average equity (ytd only) | 7.0961% | 1,503 |
| Net charge-offs to loans | -0.0077% | 3,986 |
| Credit loss provision to net charge-offs | -3,833.3333% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0667% | 2,207 |
| Assets per employee ($millions) | 4.3530% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 1,588 |
| Loan loss allowance to noncurrent loans | 469.4026% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,109 |
| Noncurrent loans to loans | 0.3048% | 3,409 |
| Net loans and leases to total assets | 79.4481% | 765 |
| Net loans and leases to deposits | 90.4089% | 1,461 |
| Net loans and leases to core deposits | 92.6447% | 2,102 |
| Total domestic deposits to total assets | 87.8764% | 1,158 |
| Equity capital to assets | 11.1425% | 2,735 |
| Core capital (leverage) ratio | 10.9656% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4679% | 2,089 |
| Memoranda: | ||
| Average total assets | $780,303,000 | 1,023 |
| Average earning assets | $747,360,500 | 991 |
| Average equity | $85,906,500 | 1,073 |
| Average total loans | $620,039,000 | 920 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 3,014 |
| Cost of funding earning assets | 0.4756% | 4,186 |
| Net interest margin | 4.0038% | 1,848 |
| Noninterest income to average assets | 0.9986% | 974 |
| Noninterest expense to average assets | 3.3911% | 1,132 |
| Loan and lease loss provision to assets | -0.1646% | 5,109 |
| Net operating income to assets | 1.1628% | 2,207 |
| Return on assets (ROA) | 1.1677% | 2,283 |
| Pretax return on assets | 1.6066% | 1,471 |
| Return on Equity (ROE) | 10.4066% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.3752% | 2,776 |
| Net charge-offs to loans | -0.1807% | 5,048 |
| Credit loss provision to net charge-offs | 111.1517% | 2,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2541% | 2,133 |
| Assets per employee ($millions) | 4.2932% | 3,519 |
| Cash dividends to net income (ytd only)* | 57.9576% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,499 |
| Loan loss allowance to noncurrent loans | 411.1378% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,037 |
| Noncurrent loans to loans | 0.3423% | 3,218 |
| Net loans and leases to total assets | 77.2097% | 1,225 |
| Net loans and leases to deposits | 87.6660% | 1,886 |
| Net loans and leases to core deposits | 90.3548% | 2,392 |
| Total domestic deposits to total assets | 88.0726% | 1,100 |
| Equity capital to assets | 10.8751% | 3,114 |
| Core capital (leverage) ratio | 10.8883% | 2,601 |
| Tier 1 risk-based capital ratio | 13.2078% | 3,678 |
| Total risk-based capital ratio | 14.4590% | 3,570 |
| Memoranda: | ||
| Average total assets | $738,807,000 | 1,031 |
| Average earning assets | $706,426,800 | 1,006 |
| Average equity | $82,899,400 | 1,052 |
| Average total loans | $605,528,800 | 903 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,865 |
| Cost of funding earning assets | 0.4640% | 4,289 |
| Net interest margin | 4.0949% | 1,625 |
| Noninterest income to average assets | 0.9484% | 1,043 |
| Noninterest expense to average assets | 3.3444% | 1,192 |
| Loan and lease loss provision to assets | -0.2655% | 5,220 |
| Net operating income to assets | 1.2765% | 1,928 |
| Return on assets (ROA) | 1.2826% | 1,996 |
| Pretax return on assets | 1.7929% | 1,111 |
| Return on Equity (ROE) | 11.3374% | 1,878 |
| Retained earnings to average equity (ytd only) | 3.2566% | 3,780 |
| Net charge-offs to loans | -0.2119% | 5,121 |
| Credit loss provision to net charge-offs | 151.0926% | 1,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7566% | 2,294 |
| Assets per employee ($millions) | 4.2595% | 3,535 |
| Cash dividends to net income (ytd only)* | 71.2758% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 1,695 |
| Loan loss allowance to noncurrent loans | 543.7956% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 3,457 |
| Noncurrent loans to loans | 0.2515% | 3,639 |
| Net loans and leases to total assets | 77.5046% | 1,227 |
| Net loans and leases to deposits | 87.9887% | 1,932 |
| Net loans and leases to core deposits | 90.6943% | 2,491 |
| Total domestic deposits to total assets | 88.0847% | 1,002 |
| Equity capital to assets | 10.8633% | 3,235 |
| Core capital (leverage) ratio | 11.0036% | 2,634 |
| Tier 1 risk-based capital ratio | 13.3133% | 3,680 |
| Total risk-based capital ratio | 14.5643% | 3,579 |
| Memoranda: | ||
| Average total assets | $729,241,500 | 1,042 |
| Average earning assets | $697,345,000 | 1,014 |
| Average equity | $82,497,500 | 1,051 |
| Average total loans | $604,776,750 | 909 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 2,622 |
| Cost of funding earning assets | 0.4417% | 4,355 |
| Net interest margin | 4.1758% | 1,421 |
| Noninterest income to average assets | 0.9095% | 1,060 |
| Noninterest expense to average assets | 3.3613% | 1,169 |
| Loan and lease loss provision to assets | -0.2874% | 5,270 |
| Net operating income to assets | 1.3259% | 1,672 |
| Return on assets (ROA) | 1.3312% | 1,715 |
| Pretax return on assets | 1.8419% | 949 |
| Return on Equity (ROE) | 11.6037% | 1,741 |
| Retained earnings to average equity (ytd only) | 11.6037% | 458 |
| Net charge-offs to loans | -0.3198% | 5,193 |
| Credit loss provision to net charge-offs | 106.3918% | 1,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4706% | 2,453 |
| Assets per employee ($millions) | 4.0543% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,556 |
| Loan loss allowance to noncurrent loans | 321.4312% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 2,781 |
| Noncurrent loans to loans | 0.4399% | 2,949 |
| Net loans and leases to total assets | 83.3273% | 426 |
| Net loans and leases to deposits | 95.6992% | 1,069 |
| Net loans and leases to core deposits | 98.4251% | 1,856 |
| Total domestic deposits to total assets | 87.0721% | 1,566 |
| Equity capital to assets | 11.8397% | 2,311 |
| Core capital (leverage) ratio | 11.7891% | 1,954 |
| Tier 1 risk-based capital ratio | 13.5553% | 3,545 |
| Total risk-based capital ratio | 14.8068% | 3,448 |
| Memoranda: | ||
| Average total assets | $718,172,330 | 1,053 |
| Average earning assets | $687,860,000 | 1,021 |
| Average equity | $82,387,670 | 1,051 |
| Average total loans | $606,659,670 | 903 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,864 |
| Cost of funding earning assets | 0.4017% | 4,476 |
| Net interest margin | 4.0982% | 1,553 |
| Noninterest income to average assets | 0.8179% | 1,243 |
| Noninterest expense to average assets | 3.3935% | 1,120 |
| Loan and lease loss provision to assets | 0.0151% | 3,239 |
| Net operating income to assets | 0.9732% | 2,960 |
| Return on assets (ROA) | 0.9838% | 2,948 |
| Pretax return on assets | 1.3584% | 2,239 |
| Return on Equity (ROE) | 8.7163% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.7163% | 1,415 |
| Net charge-offs to loans | 0.0264% | 1,925 |
| Credit loss provision to net charge-offs | 67.5000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 60.9000% | 907 |
| Efficiency ratio | 71.3883% | 2,130 |
| Assets per employee ($millions) | 4.1001% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,603 |
| Loan loss allowance to noncurrent loans | 342.9419% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4120% | 2,938 |
| Noncurrent loans to loans | 0.4137% | 3,104 |
| Net loans and leases to total assets | 83.5133% | 419 |
| Net loans and leases to deposits | 95.2466% | 1,037 |
| Net loans and leases to core deposits | 97.2406% | 1,837 |
| Total domestic deposits to total assets | 87.6811% | 1,485 |
| Equity capital to assets | 11.3610% | 2,515 |
| Core capital (leverage) ratio | 11.2693% | 2,324 |
| Tier 1 risk-based capital ratio | 13.0631% | 3,846 |
| Total risk-based capital ratio | 14.3148% | 3,756 |
| Memoranda: | ||
| Average total assets | $716,425,500 | 1,057 |
| Average earning assets | $688,010,000 | 1,026 |
| Average equity | $80,860,000 | 1,063 |
| Average total loans | $605,005,000 | 912 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 2,936 |
| Cost of funding earning assets | 0.3190% | 4,473 |
| Net interest margin | 4.0300% | 1,891 |
| Noninterest income to average assets | 0.9478% | 1,066 |
| Noninterest expense to average assets | 3.2950% | 1,334 |
| Loan and lease loss provision to assets | -0.0897% | 5,253 |
| Net operating income to assets | 1.2197% | 2,087 |
| Return on assets (ROA) | 1.2158% | 2,100 |
| Pretax return on assets | 1.6352% | 1,360 |
| Return on Equity (ROE) | 11.2337% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,622 |
| Net charge-offs to loans | -0.0040% | 4,314 |
| Credit loss provision to net charge-offs | 2,704.1667% | 180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0001% | 2,548 |
| Assets per employee ($millions) | 3.9079% | 4,029 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,445 |
| Loan loss allowance to noncurrent loans | 322.7796% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 2,817 |
| Noncurrent loans to loans | 0.4495% | 2,927 |
| Net loans and leases to total assets | 82.9551% | 516 |
| Net loans and leases to deposits | 93.9960% | 1,285 |
| Net loans and leases to core deposits | 95.8155% | 2,077 |
| Total domestic deposits to total assets | 88.2540% | 1,179 |
| Equity capital to assets | 11.2111% | 2,505 |
| Core capital (leverage) ratio | 11.0019% | 2,525 |
| Tier 1 risk-based capital ratio | 13.2648% | 3,687 |
| Total risk-based capital ratio | 14.5172% | 3,566 |
| Memoranda: | ||
| Average total assets | $723,804,200 | 1,025 |
| Average earning assets | $700,046,400 | 989 |
| Average equity | $78,335,600 | 1,050 |
| Average total loans | $599,658,400 | 897 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 3,054 |
| Cost of funding earning assets | 0.3001% | 4,518 |
| Net interest margin | 3.9760% | 2,029 |
| Noninterest income to average assets | 0.9526% | 1,055 |
| Noninterest expense to average assets | 3.2878% | 1,326 |
| Loan and lease loss provision to assets | -0.0884% | 5,340 |
| Net operating income to assets | 1.1624% | 2,400 |
| Return on assets (ROA) | 1.1606% | 2,411 |
| Pretax return on assets | 1.5975% | 1,590 |
| Return on Equity (ROE) | 10.8189% | 2,253 |
| Retained earnings to average equity (ytd only) | 0.5608% | 4,943 |
| Net charge-offs to loans | -0.0007% | 4,002 |
| Credit loss provision to net charge-offs | 16,066.6667% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5088% | 2,443 |
| Assets per employee ($millions) | 4.0507% | 3,805 |
| Cash dividends to net income (ytd only)* | 94.8167% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,418 |
| Loan loss allowance to noncurrent loans | 160.6695% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 1,841 |
| Noncurrent loans to loans | 0.9208% | 1,858 |
| Net loans and leases to total assets | 79.7770% | 1,056 |
| Net loans and leases to deposits | 89.6005% | 1,951 |
| Net loans and leases to core deposits | 91.3503% | 2,539 |
| Total domestic deposits to total assets | 89.0363% | 835 |
| Equity capital to assets | 10.3990% | 3,232 |
| Core capital (leverage) ratio | 10.4899% | 3,094 |
| Tier 1 risk-based capital ratio | 12.6582% | 4,113 |
| Total risk-based capital ratio | 13.9108% | 4,003 |
| Memoranda: | ||
| Average total assets | $726,946,500 | 1,025 |
| Average earning assets | $703,275,500 | 979 |
| Average equity | $77,985,250 | 1,048 |
| Average total loans | $599,900,000 | 893 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 3,229 |
| Cost of funding earning assets | 0.2842% | 4,538 |
| Net interest margin | 3.8788% | 2,280 |
| Noninterest income to average assets | 0.9434% | 1,070 |
| Noninterest expense to average assets | 3.3384% | 1,233 |
| Loan and lease loss provision to assets | 0.0470% | 2,966 |
| Net operating income to assets | 0.9527% | 3,221 |
| Return on assets (ROA) | 0.9575% | 3,208 |
| Pretax return on assets | 1.3174% | 2,442 |
| Return on Equity (ROE) | 8.8338% | 3,099 |
| Retained earnings to average equity (ytd only) | 8.8338% | 1,267 |
| Net charge-offs to loans | 0.0509% | 1,874 |
| Credit loss provision to net charge-offs | 111.1111% | 1,880 |
| Earnings coverage of net charge-offs (x) | 32.1176% | 1,442 |
| Efficiency ratio | 71.0788% | 2,150 |
| Assets per employee ($millions) | 3.8825% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,248 |
| Loan loss allowance to noncurrent loans | 309.2838% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 2,708 |
| Noncurrent loans to loans | 0.5006% | 2,919 |
| Net loans and leases to total assets | 81.7019% | 744 |
| Net loans and leases to deposits | 92.2422% | 1,557 |
| Net loans and leases to core deposits | 94.0041% | 2,220 |
| Total domestic deposits to total assets | 88.5733% | 1,108 |
| Equity capital to assets | 11.0214% | 2,620 |
| Core capital (leverage) ratio | 11.0226% | 2,503 |
| Tier 1 risk-based capital ratio | 12.8752% | 3,964 |
| Total risk-based capital ratio | 14.1283% | 3,878 |
| Memoranda: | ||
| Average total assets | $723,520,670 | 1,031 |
| Average earning assets | $700,106,670 | 988 |
| Average equity | $78,425,670 | 1,039 |
| Average total loans | $600,877,670 | 885 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 3,267 |
| Cost of funding earning assets | 0.2695% | 4,584 |
| Net interest margin | 3.8206% | 2,337 |
| Noninterest income to average assets | 0.8711% | 1,229 |
| Noninterest expense to average assets | 3.4203% | 1,128 |
| Loan and lease loss provision to assets | -0.0692% | 5,488 |
| Net operating income to assets | 0.8749% | 3,392 |
| Return on assets (ROA) | 0.8828% | 3,374 |
| Pretax return on assets | 1.2278% | 2,652 |
| Return on Equity (ROE) | 8.2134% | 3,288 |
| Retained earnings to average equity (ytd only) | 8.2134% | 1,761 |
| Net charge-offs to loans | 0.0380% | 1,764 |
| Credit loss provision to net charge-offs | -219.2982% | 3,824 |
| Earnings coverage of net charge-offs (x) | 36.3860% | 1,119 |
| Efficiency ratio | 74.8606% | 1,769 |
| Assets per employee ($millions) | 3.9243% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,417 |
| Loan loss allowance to noncurrent loans | 279.0037% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 2,691 |
| Noncurrent loans to loans | 0.5425% | 2,899 |
| Net loans and leases to total assets | 82.2614% | 632 |
| Net loans and leases to deposits | 92.6925% | 1,368 |
| Net loans and leases to core deposits | 96.6973% | 1,925 |
| Total domestic deposits to total assets | 88.7465% | 1,238 |
| Equity capital to assets | 10.8372% | 2,730 |
| Core capital (leverage) ratio | 10.9732% | 2,467 |
| Tier 1 risk-based capital ratio | 12.6746% | 4,127 |
| Total risk-based capital ratio | 13.9274% | 4,028 |
| Memoranda: | ||
| Average total assets | $722,267,500 | 1,042 |
| Average earning assets | $699,061,500 | 992 |
| Average equity | $77,629,500 | 1,058 |
| Average total loans | $600,063,500 | 892 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,224 |
| Cost of funding earning assets | 0.2192% | 4,800 |
| Net interest margin | 3.8360% | 2,303 |
| Noninterest income to average assets | 0.9793% | 1,069 |
| Noninterest expense to average assets | 3.3579% | 1,270 |
| Loan and lease loss provision to assets | -0.0742% | 5,440 |
| Net operating income to assets | 0.6923% | 3,629 |
| Return on assets (ROA) | 0.6923% | 3,686 |
| Pretax return on assets | 1.3982% | 1,996 |
| Return on Equity (ROE) | 6.2075% | 3,673 |
| Retained earnings to average equity (ytd only) | -1.4262% | 5,220 |
| Net charge-offs to loans | 0.0118% | 3,671 |
| Credit loss provision to net charge-offs | -757.9710% | 5,020 |
| Earnings coverage of net charge-offs (x) | 135.2319% | 510 |
| Efficiency ratio | 71.7208% | 2,270 |
| Assets per employee ($millions) | 3.8634% | 4,175 |
| Cash dividends to net income (ytd only)* | 122.9760% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,244 |
| Loan loss allowance to noncurrent loans | 295.8691% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,817 |
| Noncurrent loans to loans | 0.5271% | 2,931 |
| Net loans and leases to total assets | 81.3468% | 768 |
| Net loans and leases to deposits | 91.8850% | 1,542 |
| Net loans and leases to core deposits | 94.6203% | 2,142 |
| Total domestic deposits to total assets | 88.5311% | 1,235 |
| Equity capital to assets | 10.6589% | 2,984 |
| Core capital (leverage) ratio | 10.6801% | 2,667 |
| Tier 1 risk-based capital ratio | 12.4545% | 4,235 |
| Total risk-based capital ratio | 13.7081% | 4,135 |
| Memoranda: | ||
| Average total assets | $704,760,400 | 1,035 |
| Average earning assets | $680,232,600 | 992 |
| Average equity | $78,598,800 | 1,023 |
| Average total loans | $586,806,600 | 877 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 2,938 |
| Cost of funding earning assets | 0.2085% | 4,900 |
| Net interest margin | 3.9063% | 2,019 |
| Noninterest income to average assets | 0.9801% | 1,067 |
| Noninterest expense to average assets | 3.4040% | 1,149 |
| Loan and lease loss provision to assets | -0.1108% | 5,597 |
| Net operating income to assets | 0.8750% | 3,150 |
| Return on assets (ROA) | 0.8750% | 3,198 |
| Pretax return on assets | 1.4543% | 1,931 |
| Return on Equity (ROE) | 7.7571% | 3,258 |
| Retained earnings to average equity (ytd only) | -2.3696% | 5,450 |
| Net charge-offs to loans | 0.0100% | 3,372 |
| Credit loss provision to net charge-offs | -1,322.7273% | 4,995 |
| Earnings coverage of net charge-offs (x) | 160.3733% | 515 |
| Efficiency ratio | 71.7007% | 2,248 |
| Assets per employee ($millions) | 3.6894% | 4,463 |
| Cash dividends to net income (ytd only)* | 130.5482% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,332 |
| Loan loss allowance to noncurrent loans | 280.1873% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 2,665 |
| Noncurrent loans to loans | 0.5566% | 3,028 |
| Net loans and leases to total assets | 81.8159% | 722 |
| Net loans and leases to deposits | 92.5089% | 1,494 |
| Net loans and leases to core deposits | 95.3579% | 2,141 |
| Total domestic deposits to total assets | 88.4412% | 1,156 |
| Equity capital to assets | 10.7665% | 3,101 |
| Core capital (leverage) ratio | 10.7607% | 2,687 |
| Tier 1 risk-based capital ratio | 12.6151% | 4,254 |
| Total risk-based capital ratio | 13.8688% | 4,153 |
| Memoranda: | ||
| Average total assets | $700,336,750 | 1,051 |
| Average earning assets | $675,434,750 | 1,004 |
| Average equity | $78,997,000 | 1,021 |
| Average total loans | $584,257,000 | 884 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,932 |
| Cost of funding earning assets | 0.1910% | 5,060 |
| Net interest margin | 3.8802% | 2,000 |
| Noninterest income to average assets | 0.9727% | 1,082 |
| Noninterest expense to average assets | 3.4525% | 1,074 |
| Loan and lease loss provision to assets | -0.0003% | 5,510 |
| Net operating income to assets | 0.7583% | 3,595 |
| Return on assets (ROA) | 0.7583% | 3,647 |
| Pretax return on assets | 1.2604% | 2,531 |
| Return on Equity (ROE) | 6.6196% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.6196% | 1,788 |
| Net charge-offs to loans | -0.0492% | 5,170 |
| Credit loss provision to net charge-offs | 0.6993% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2617% | 2,140 |
| Assets per employee ($millions) | 3.6956% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 1,118 |
| Loan loss allowance to noncurrent loans | 295.8763% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,604 |
| Noncurrent loans to loans | 0.5637% | 3,048 |
| Net loans and leases to total assets | 81.7660% | 696 |
| Net loans and leases to deposits | 92.6845% | 1,408 |
| Net loans and leases to core deposits | 95.7752% | 2,003 |
| Total domestic deposits to total assets | 88.2197% | 1,346 |
| Equity capital to assets | 11.1970% | 2,596 |
| Core capital (leverage) ratio | 11.7657% | 1,786 |
| Tier 1 risk-based capital ratio | 12.9924% | 4,000 |
| Total risk-based capital ratio | 14.2473% | 3,918 |
| Memoranda: | ||
| Average total assets | $695,200,330 | 1,056 |
| Average earning assets | $670,068,330 | 1,017 |
| Average equity | $79,642,330 | 1,018 |
| Average total loans | $580,719,000 | 896 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 2,768 |
| Cost of funding earning assets | 0.1794% | 5,156 |
| Net interest margin | 3.8911% | 1,816 |
| Noninterest income to average assets | 0.9879% | 1,026 |
| Noninterest expense to average assets | 3.5079% | 1,031 |
| Loan and lease loss provision to assets | -0.1587% | 5,782 |
| Net operating income to assets | 0.8333% | 3,066 |
| Return on assets (ROA) | 0.8333% | 3,123 |
| Pretax return on assets | 1.3852% | 1,934 |
| Return on Equity (ROE) | 7.1878% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.1878% | 1,786 |
| Net charge-offs to loans | 0.0302% | 2,159 |
| Credit loss provision to net charge-offs | -627.9070% | 4,309 |
| Earnings coverage of net charge-offs (x) | 48.5349% | 916 |
| Efficiency ratio | 74.0938% | 2,216 |
| Assets per employee ($millions) | 3.4522% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 1,223 |
| Loan loss allowance to noncurrent loans | 279.2662% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,534 |
| Noncurrent loans to loans | 0.5953% | 3,034 |
| Net loans and leases to total assets | 83.4087% | 420 |
| Net loans and leases to deposits | 95.0190% | 1,011 |
| Net loans and leases to core deposits | 99.1046% | 1,573 |
| Total domestic deposits to total assets | 87.7811% | 1,839 |
| Equity capital to assets | 11.7211% | 2,018 |
| Core capital (leverage) ratio | 11.7385% | 1,797 |
| Tier 1 risk-based capital ratio | 13.4494% | 3,802 |
| Total risk-based capital ratio | 14.7044% | 3,721 |
| Memoranda: | ||
| Average total assets | $680,628,000 | 1,077 |
| Average earning assets | $655,342,500 | 1,038 |
| Average equity | $78,911,000 | 1,023 |
| Average total loans | $569,922,000 | 907 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 2,111 |
| Cost of funding earning assets | 0.1587% | 5,362 |
| Net interest margin | 4.1499% | 1,243 |
| Noninterest income to average assets | 1.2095% | 777 |
| Noninterest expense to average assets | 3.4936% | 1,169 |
| Loan and lease loss provision to assets | -0.0978% | 5,687 |
| Net operating income to assets | 1.0853% | 1,956 |
| Return on assets (ROA) | 1.0843% | 2,065 |
| Pretax return on assets | 1.7942% | 814 |
| Return on Equity (ROE) | 9.2894% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.3912% | 2,081 |
| Net charge-offs to loans | -0.1587% | 5,695 |
| Credit loss provision to net charge-offs | 76.8772% | 3,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2948% | 3,386 |
| Assets per employee ($millions) | 3.4058% | 4,897 |
| Cash dividends to net income (ytd only)* | 41.9639% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 1,020 |
| Loan loss allowance to noncurrent loans | 302.4740% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 2,692 |
| Noncurrent loans to loans | 0.5815% | 3,104 |
| Net loans and leases to total assets | 81.1985% | 714 |
| Net loans and leases to deposits | 92.4680% | 1,379 |
| Net loans and leases to core deposits | 97.5265% | 1,798 |
| Total domestic deposits to total assets | 87.8126% | 1,733 |
| Equity capital to assets | 11.4668% | 2,200 |
| Core capital (leverage) ratio | 11.5546% | 1,890 |
| Tier 1 risk-based capital ratio | 13.4203% | 3,821 |
| Total risk-based capital ratio | 14.6764% | 3,715 |
| Memoranda: | ||
| Average total assets | $659,297,400 | 1,077 |
| Average earning assets | $632,611,200 | 1,027 |
| Average equity | $76,959,000 | 1,033 |
| Average total loans | $528,695,200 | 930 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 1,933 |
| Cost of funding earning assets | 0.1548% | 5,453 |
| Net interest margin | 4.2192% | 1,082 |
| Noninterest income to average assets | 1.1897% | 818 |
| Noninterest expense to average assets | 3.4869% | 1,174 |
| Loan and lease loss provision to assets | -0.0553% | 5,729 |
| Net operating income to assets | 1.0946% | 2,023 |
| Return on assets (ROA) | 1.0934% | 2,128 |
| Pretax return on assets | 1.8012% | 898 |
| Return on Equity (ROE) | 9.3244% | 2,351 |
| Retained earnings to average equity (ytd only) | 4.1074% | 3,384 |
| Net charge-offs to loans | -0.2225% | 5,788 |
| Credit loss provision to net charge-offs | 31.2212% | 3,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6108% | 3,485 |
| Assets per employee ($millions) | 3.4394% | 4,855 |
| Cash dividends to net income (ytd only)* | 55.9493% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 924 |
| Loan loss allowance to noncurrent loans | 206.2025% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 2,179 |
| Noncurrent loans to loans | 0.8981% | 2,457 |
| Net loans and leases to total assets | 79.8044% | 917 |
| Net loans and leases to deposits | 90.8927% | 1,645 |
| Net loans and leases to core deposits | 92.1544% | 2,359 |
| Total domestic deposits to total assets | 87.8007% | 1,505 |
| Equity capital to assets | 11.2585% | 2,735 |
| Core capital (leverage) ratio | 10.9974% | 2,449 |
| Tier 1 risk-based capital ratio | 12.5926% | 4,417 |
| Total risk-based capital ratio | 13.8520% | 4,314 |
| Memoranda: | ||
| Average total assets | $653,829,500 | 1,089 |
| Average earning assets | $626,836,000 | 1,041 |
| Average equity | $76,671,750 | 1,039 |
| Average total loans | $520,118,500 | 941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 1,690 |
| Cost of funding earning assets | 0.1534% | 5,525 |
| Net interest margin | 4.2921% | 937 |
| Noninterest income to average assets | 1.2106% | 770 |
| Noninterest expense to average assets | 3.5443% | 1,093 |
| Loan and lease loss provision to assets | -0.1091% | 5,884 |
| Net operating income to assets | 1.1341% | 1,832 |
| Return on assets (ROA) | 1.1323% | 1,959 |
| Pretax return on assets | 1.8840% | 724 |
| Return on Equity (ROE) | 9.5214% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.5214% | 710 |
| Net charge-offs to loans | -0.3807% | 5,916 |
| Credit loss provision to net charge-offs | 36.2978% | 2,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5966% | 3,588 |
| Assets per employee ($millions) | 3.2773% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 895 |
| Loan loss allowance to noncurrent loans | 273.1481% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 2,347 |
| Noncurrent loans to loans | 0.6952% | 2,994 |
| Net loans and leases to total assets | 81.7910% | 649 |
| Net loans and leases to deposits | 93.8003% | 1,307 |
| Net loans and leases to core deposits | 94.7820% | 2,084 |
| Total domestic deposits to total assets | 87.1970% | 1,810 |
| Equity capital to assets | 12.0201% | 2,112 |
| Core capital (leverage) ratio | 11.4448% | 2,030 |
| Tier 1 risk-based capital ratio | 13.0396% | 4,179 |
| Total risk-based capital ratio | 14.2994% | 4,093 |
| Memoranda: | ||
| Average total assets | $643,625,670 | 1,108 |
| Average earning assets | $616,535,000 | 1,057 |
| Average equity | $76,543,000 | 1,041 |
| Average total loans | $507,984,670 | 965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2660% | 2,251 |
| Cost of funding earning assets | 0.1482% | 5,625 |
| Net interest margin | 4.1179% | 1,289 |
| Noninterest income to average assets | 1.2012% | 756 |
| Noninterest expense to average assets | 3.5548% | 1,094 |
| Loan and lease loss provision to assets | -0.4580% | 6,078 |
| Net operating income to assets | 1.2319% | 1,444 |
| Return on assets (ROA) | 1.2319% | 1,553 |
| Pretax return on assets | 2.0508% | 510 |
| Return on Equity (ROE) | 10.4154% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.4154% | 758 |
| Net charge-offs to loans | -0.3150% | 5,943 |
| Credit loss provision to net charge-offs | 189.6373% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0569% | 3,291 |
| Assets per employee ($millions) | 3.3873% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 1,036 |
| Loan loss allowance to noncurrent loans | 239.7695% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 2,244 |
| Noncurrent loans to loans | 0.7751% | 2,899 |
| Net loans and leases to total assets | 77.6416% | 1,147 |
| Net loans and leases to deposits | 88.8110% | 1,721 |
| Net loans and leases to core deposits | 89.8580% | 2,387 |
| Total domestic deposits to total assets | 87.4234% | 1,975 |
| Equity capital to assets | 12.0401% | 2,009 |
| Core capital (leverage) ratio | 11.6231% | 1,890 |
| Tier 1 risk-based capital ratio | 13.7253% | 3,850 |
| Total risk-based capital ratio | 14.9843% | 3,785 |
| Memoranda: | ||
| Average total assets | $639,352,000 | 1,107 |
| Average earning assets | $612,746,000 | 1,064 |
| Average equity | $75,618,500 | 1,052 |
| Average total loans | $490,105,000 | 997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,018 |
| Cost of funding earning assets | 0.1659% | 5,568 |
| Net interest margin | 3.6421% | 2,969 |
| Noninterest income to average assets | 1.1391% | 907 |
| Noninterest expense to average assets | 3.6652% | 1,025 |
| Loan and lease loss provision to assets | -0.0277% | 5,680 |
| Net operating income to assets | 0.6119% | 4,212 |
| Return on assets (ROA) | 0.6125% | 4,308 |
| Pretax return on assets | 0.9750% | 3,559 |
| Return on Equity (ROE) | 4.8804% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.8459% | 5,183 |
| Net charge-offs to loans | -0.3757% | 6,046 |
| Credit loss provision to net charge-offs | 10.6424% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4788% | 1,748 |
| Assets per employee ($millions) | 3.4697% | 4,880 |
| Cash dividends to net income (ytd only)* | 82.6674% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0379% | 756 |
| Loan loss allowance to noncurrent loans | 231.9952% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 2,032 |
| Noncurrent loans to loans | 0.8784% | 2,598 |
| Net loans and leases to total assets | 72.7081% | 1,937 |
| Net loans and leases to deposits | 82.7812% | 2,502 |
| Net loans and leases to core deposits | 83.6014% | 2,998 |
| Total domestic deposits to total assets | 87.8316% | 1,730 |
| Equity capital to assets | 11.6163% | 2,266 |
| Core capital (leverage) ratio | 11.4566% | 1,995 |
| Tier 1 risk-based capital ratio | 14.0822% | 3,666 |
| Total risk-based capital ratio | 15.3451% | 3,580 |
| Memoranda: | ||
| Average total assets | $592,485,400 | 1,150 |
| Average earning assets | $564,887,400 | 1,109 |
| Average equity | $74,358,800 | 1,027 |
| Average total loans | $410,164,400 | 1,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 4,382 |
| Cost of funding earning assets | 0.1704% | 5,626 |
| Net interest margin | 3.5417% | 3,377 |
| Noninterest income to average assets | 1.1441% | 914 |
| Noninterest expense to average assets | 3.6896% | 989 |
| Loan and lease loss provision to assets | -0.0549% | 5,925 |
| Net operating income to assets | 0.5327% | 4,665 |
| Return on assets (ROA) | 0.5327% | 4,765 |
| Pretax return on assets | 0.8812% | 4,047 |
| Return on Equity (ROE) | 4.1592% | 4,972 |
| Retained earnings to average equity (ytd only) | -1.2237% | 5,783 |
| Net charge-offs to loans | -0.2348% | 6,032 |
| Credit loss provision to net charge-offs | 34.4877% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7039% | 1,439 |
| Assets per employee ($millions) | 3.3930% | 4,999 |
| Cash dividends to net income (ytd only)* | 129.4219% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 957 |
| Loan loss allowance to noncurrent loans | 96.7302% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 1,033 |
| Noncurrent loans to loans | 2.0376% | 1,134 |
| Net loans and leases to total assets | 70.7622% | 2,272 |
| Net loans and leases to deposits | 81.2477% | 2,731 |
| Net loans and leases to core deposits | 81.8226% | 3,269 |
| Total domestic deposits to total assets | 87.0944% | 1,985 |
| Equity capital to assets | 11.9073% | 2,175 |
| Core capital (leverage) ratio | 11.4518% | 2,075 |
| Tier 1 risk-based capital ratio | 14.0511% | 3,818 |
| Total risk-based capital ratio | 15.3143% | 3,759 |
| Memoranda: | ||
| Average total assets | $580,131,500 | 1,180 |
| Average earning assets | $552,295,250 | 1,147 |
| Average equity | $74,307,250 | 1,035 |
| Average total loans | $393,599,750 | 1,172 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 4,415 |
| Cost of funding earning assets | 0.1763% | 5,641 |
| Net interest margin | 3.5225% | 3,404 |
| Noninterest income to average assets | 1.0999% | 999 |
| Noninterest expense to average assets | 3.7512% | 928 |
| Loan and lease loss provision to assets | -0.0645% | 6,048 |
| Net operating income to assets | 0.4619% | 4,936 |
| Return on assets (ROA) | 0.4619% | 5,029 |
| Pretax return on assets | 0.7649% | 4,439 |
| Return on Equity (ROE) | 3.5163% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.5163% | 3,791 |
| Net charge-offs to loans | -0.1345% | 5,892 |
| Credit loss provision to net charge-offs | 72.3320% | 2,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2659% | 1,233 |
| Assets per employee ($millions) | 3.1436% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 734 |
| Loan loss allowance to noncurrent loans | 79.5418% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 765 |
| Noncurrent loans to loans | 2.7635% | 762 |
| Net loans and leases to total assets | 66.4337% | 2,883 |
| Net loans and leases to deposits | 77.3835% | 3,107 |
| Net loans and leases to core deposits | 77.8655% | 3,593 |
| Total domestic deposits to total assets | 85.8499% | 2,773 |
| Equity capital to assets | 13.3724% | 1,232 |
| Core capital (leverage) ratio | 12.8834% | 1,220 |
| Tier 1 risk-based capital ratio | 16.8446% | 2,467 |
| Total risk-based capital ratio | 18.1104% | 2,415 |
| Memoranda: | ||
| Average total assets | $567,665,670 | 1,212 |
| Average earning assets | $540,133,330 | 1,175 |
| Average equity | $74,566,000 | 1,032 |
| Average total loans | $376,212,000 | 1,228 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,620 |
| Cost of funding earning assets | 0.1836% | 5,656 |
| Net interest margin | 3.4386% | 3,676 |
| Noninterest income to average assets | 1.0643% | 994 |
| Noninterest expense to average assets | 3.6503% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4146% | 5,017 |
| Return on assets (ROA) | 0.4146% | 5,131 |
| Pretax return on assets | 0.6854% | 4,632 |
| Return on Equity (ROE) | 3.1849% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.1849% | 4,074 |
| Net charge-offs to loans | -0.0922% | 5,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1909% | 1,359 |
| Assets per employee ($millions) | 3.1516% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 731 |
| Loan loss allowance to noncurrent loans | 84.2643% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2966% | 976 |
| Noncurrent loans to loans | 2.6916% | 873 |
| Net loans and leases to total assets | 64.2981% | 3,051 |
| Net loans and leases to deposits | 74.7173% | 3,196 |
| Net loans and leases to core deposits | 75.0763% | 3,680 |
| Total domestic deposits to total assets | 86.0552% | 2,912 |
| Equity capital to assets | 13.2445% | 1,283 |
| Core capital (leverage) ratio | 12.5249% | 1,354 |
| Tier 1 risk-based capital ratio | 16.8374% | 2,539 |
| Total risk-based capital ratio | 18.0967% | 2,491 |
| Memoranda: | ||
| Average total assets | $570,143,500 | 1,211 |
| Average earning assets | $542,429,500 | 1,174 |
| Average equity | $74,225,000 | 1,039 |
| Average total loans | $373,202,500 | 1,233 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 5,119 |
| Cost of funding earning assets | 0.2104% | 5,660 |
| Net interest margin | 3.3742% | 4,307 |
| Noninterest income to average assets | 1.2577% | 763 |
| Noninterest expense to average assets | 3.4502% | 1,599 |
| Loan and lease loss provision to assets | -1.1491% | 6,496 |
| Net operating income to assets | 1.2552% | 1,416 |
| Return on assets (ROA) | 1.2552% | 1,481 |
| Pretax return on assets | 2.1482% | 363 |
| Return on Equity (ROE) | 9.3707% | 2,404 |
| Retained earnings to average equity (ytd only) | -18.2118% | 6,407 |
| Net charge-offs to loans | -1.0232% | 6,447 |
| Credit loss provision to net charge-offs | 178.1115% | 1,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5457% | 2,270 |
| Assets per employee ($millions) | 3.2008% | 5,434 |
| Cash dividends to net income (ytd only)* | 294.3485% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 800 |
| Loan loss allowance to noncurrent loans | 76.2724% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 954 |
| Noncurrent loans to loans | 2.9111% | 783 |
| Net loans and leases to total assets | 63.6858% | 3,262 |
| Net loans and leases to deposits | 73.5876% | 3,488 |
| Net loans and leases to core deposits | 73.9314% | 3,923 |
| Total domestic deposits to total assets | 86.5441% | 2,544 |
| Equity capital to assets | 12.7975% | 1,467 |
| Core capital (leverage) ratio | 11.7628% | 1,787 |
| Tier 1 risk-based capital ratio | 17.2149% | 2,420 |
| Total risk-based capital ratio | 18.4759% | 2,370 |
| Memoranda: | ||
| Average total assets | $608,975,000 | 1,092 |
| Average earning assets | $576,012,200 | 1,055 |
| Average equity | $81,573,400 | 897 |
| Average total loans | $383,980,600 | 1,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 5,207 |
| Cost of funding earning assets | 0.2148% | 5,718 |
| Net interest margin | 3.3614% | 4,387 |
| Noninterest income to average assets | 1.3161% | 703 |
| Noninterest expense to average assets | 3.3582% | 1,774 |
| Loan and lease loss provision to assets | -1.0320% | 6,571 |
| Net operating income to assets | 1.2795% | 1,437 |
| Return on assets (ROA) | 1.2795% | 1,490 |
| Pretax return on assets | 2.1648% | 397 |
| Return on Equity (ROE) | 9.4538% | 2,474 |
| Retained earnings to average equity (ytd only) | -16.0841% | 6,452 |
| Net charge-offs to loans | -0.4485% | 6,445 |
| Credit loss provision to net charge-offs | 367.7444% | 766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7751% | 2,692 |
| Assets per employee ($millions) | 3.2237% | 5,383 |
| Cash dividends to net income (ytd only)* | 270.1332% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1162% | 1,066 |
| Loan loss allowance to noncurrent loans | 76.1680% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 1,167 |
| Noncurrent loans to loans | 2.7783% | 1,005 |
| Net loans and leases to total assets | 61.7830% | 3,516 |
| Net loans and leases to deposits | 72.2401% | 3,663 |
| Net loans and leases to core deposits | 72.6430% | 4,089 |
| Total domestic deposits to total assets | 85.5244% | 3,105 |
| Equity capital to assets | 13.2437% | 1,305 |
| Core capital (leverage) ratio | 11.6560% | 1,934 |
| Tier 1 risk-based capital ratio | 17.1837% | 2,535 |
| Total risk-based capital ratio | 18.4431% | 2,492 |
| Memoranda: | ||
| Average total assets | $617,183,000 | 1,089 |
| Average earning assets | $582,962,750 | 1,057 |
| Average equity | $83,533,750 | 883 |
| Average total loans | $386,162,500 | 1,150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 5,304 |
| Cost of funding earning assets | 0.2172% | 5,775 |
| Net interest margin | 3.3257% | 4,483 |
| Noninterest income to average assets | 1.2854% | 714 |
| Noninterest expense to average assets | 3.3206% | 1,868 |
| Loan and lease loss provision to assets | -1.2118% | 6,640 |
| Net operating income to assets | 1.3804% | 1,109 |
| Return on assets (ROA) | 1.3804% | 1,153 |
| Pretax return on assets | 2.3167% | 292 |
| Return on Equity (ROE) | 10.1300% | 2,093 |
| Retained earnings to average equity (ytd only) | -27.4319% | 6,575 |
| Net charge-offs to loans | -0.5553% | 6,522 |
| Credit loss provision to net charge-offs | 349.7692% | 766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0325% | 2,803 |
| Assets per employee ($millions) | 3.4190% | 5,018 |
| Cash dividends to net income (ytd only)* | 370.7995% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2909% | 911 |
| Loan loss allowance to noncurrent loans | 70.7107% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7069% | 982 |
| Noncurrent loans to loans | 3.2398% | 868 |
| Net loans and leases to total assets | 60.9425% | 3,572 |
| Net loans and leases to deposits | 70.5569% | 3,746 |
| Net loans and leases to core deposits | 70.9020% | 4,160 |
| Total domestic deposits to total assets | 86.3736% | 2,837 |
| Equity capital to assets | 12.6553% | 1,565 |
| Core capital (leverage) ratio | 11.1126% | 2,320 |
| Tier 1 risk-based capital ratio | 17.1404% | 2,561 |
| Total risk-based capital ratio | 18.4028% | 2,521 |
| Memoranda: | ||
| Average total assets | $625,189,000 | 1,081 |
| Average earning assets | $590,308,000 | 1,046 |
| Average equity | $85,192,670 | 865 |
| Average total loans | $390,084,000 | 1,126 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 5,068 |
| Cost of funding earning assets | 0.2237% | 5,811 |
| Net interest margin | 3.4059% | 4,089 |
| Noninterest income to average assets | 0.8909% | 1,422 |
| Noninterest expense to average assets | 3.2866% | 1,976 |
| Loan and lease loss provision to assets | -1.0166% | 6,710 |
| Net operating income to assets | 1.0823% | 1,888 |
| Return on assets (ROA) | 1.0823% | 1,953 |
| Pretax return on assets | 1.8324% | 764 |
| Return on Equity (ROE) | 7.6793% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.6793% | 1,733 |
| Net charge-offs to loans | 0.7093% | 503 |
| Credit loss provision to net charge-offs | -229.6719% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.8431% | 3,010 |
| Efficiency ratio | 80.1139% | 2,192 |
| Assets per employee ($millions) | 3.4419% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 1,011 |
| Loan loss allowance to noncurrent loans | 73.0414% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 3.1610% | 861 |
| Noncurrent loans to loans | 3.1633% | 974 |
| Net loans and leases to total assets | 62.0343% | 3,235 |
| Net loans and leases to deposits | 73.2321% | 3,163 |
| Net loans and leases to core deposits | 73.5553% | 3,695 |
| Total domestic deposits to total assets | 84.7092% | 3,996 |
| Equity capital to assets | 14.5633% | 770 |
| Core capital (leverage) ratio | 13.0803% | 1,134 |
| Tier 1 risk-based capital ratio | 20.7759% | 1,518 |
| Total risk-based capital ratio | 22.0398% | 1,490 |
| Memoranda: | ||
| Average total assets | $633,488,500 | 1,074 |
| Average earning assets | $597,322,500 | 1,049 |
| Average equity | $89,279,500 | 822 |
| Average total loans | $395,333,000 | 1,110 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 4,389 |
| Cost of funding earning assets | 0.5661% | 2,965 |
| Net interest margin | 3.3533% | 4,470 |
| Noninterest income to average assets | 1.1956% | 987 |
| Noninterest expense to average assets | 3.5465% | 1,553 |
| Loan and lease loss provision to assets | -1.2920% | 6,803 |
| Net operating income to assets | 4.3928% | 58 |
| Return on assets (ROA) | 4.3928% | 57 |
| Pretax return on assets | 2.1358% | 352 |
| Return on Equity (ROE) | 38.2061% | 32 |
| Retained earnings to average equity (ytd only) | 36.7802% | 18 |
| Net charge-offs to loans | 0.5327% | 1,248 |
| Credit loss provision to net charge-offs | -338.8220% | 6,076 |
| Earnings coverage of net charge-offs (x) | 2.2128% | 4,284 |
| Efficiency ratio | 80.7804% | 2,048 |
| Assets per employee ($millions) | 3.4996% | 4,899 |
| Cash dividends to net income (ytd only)* | 3.7320% | 4,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8700% | 543 |
| Loan loss allowance to noncurrent loans | 65.0668% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.8800% | 697 |
| Noncurrent loans to loans | 4.4109% | 613 |
| Net loans and leases to total assets | 59.5961% | 3,787 |
| Net loans and leases to deposits | 69.4759% | 3,844 |
| Net loans and leases to core deposits | 70.8624% | 4,203 |
| Total domestic deposits to total assets | 85.7796% | 3,372 |
| Equity capital to assets | 13.6435% | 1,015 |
| Core capital (leverage) ratio | 12.2221% | 1,484 |
| Tier 1 risk-based capital ratio | 19.5072% | 1,783 |
| Total risk-based capital ratio | 20.7772% | 1,736 |
| Memoranda: | ||
| Average total assets | $609,975,600 | 1,092 |
| Average earning assets | $581,124,000 | 1,051 |
| Average equity | $70,132,800 | 1,020 |
| Average total loans | $436,642,600 | 979 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 3,549 |
| Cost of funding earning assets | 0.6768% | 2,123 |
| Net interest margin | 3.4786% | 3,972 |
| Noninterest income to average assets | 1.2469% | 943 |
| Noninterest expense to average assets | 3.5609% | 1,477 |
| Loan and lease loss provision to assets | -1.0767% | 6,877 |
| Net operating income to assets | 2.0852% | 314 |
| Return on assets (ROA) | 2.0852% | 323 |
| Pretax return on assets | 2.0852% | 487 |
| Return on Equity (ROE) | 19.0959% | 366 |
| Retained earnings to average equity (ytd only) | 17.0629% | 132 |
| Net charge-offs to loans | 0.0755% | 3,866 |
| Credit loss provision to net charge-offs | -1,916.9960% | 6,271 |
| Earnings coverage of net charge-offs (x) | 17.9568% | 1,705 |
| Efficiency ratio | 77.9295% | 2,437 |
| Assets per employee ($millions) | 2.9906% | 5,865 |
| Cash dividends to net income (ytd only)* | 10.6462% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0180% | 236 |
| Loan loss allowance to noncurrent loans | 73.8115% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 5.6845% | 442 |
| Noncurrent loans to loans | 5.4436% | 510 |
| Net loans and leases to total assets | 70.1270% | 1,941 |
| Net loans and leases to deposits | 80.7495% | 2,295 |
| Net loans and leases to core deposits | 82.5857% | 2,824 |
| Total domestic deposits to total assets | 86.8452% | 2,779 |
| Equity capital to assets | 12.5414% | 1,561 |
| Core capital (leverage) ratio | 12.7112% | 1,318 |
| Tier 1 risk-based capital ratio | 18.0900% | 2,289 |
| Total risk-based capital ratio | 19.3761% | 2,244 |
| Memoranda: | ||
| Average total assets | $600,612,500 | 1,118 |
| Average earning assets | $573,664,750 | 1,069 |
| Average equity | $65,583,000 | 1,105 |
| Average total loans | $446,492,500 | 962 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 3,547 |
| Cost of funding earning assets | 0.8572% | 1,105 |
| Net interest margin | 3.2908% | 4,622 |
| Noninterest income to average assets | 1.2096% | 1,046 |
| Noninterest expense to average assets | 3.5376% | 1,522 |
| Loan and lease loss provision to assets | -0.1695% | 6,766 |
| Net operating income to assets | 0.9821% | 2,403 |
| Return on assets (ROA) | 0.9821% | 2,554 |
| Pretax return on assets | 0.9821% | 3,594 |
| Return on Equity (ROE) | 9.4213% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.4213% | 990 |
| Net charge-offs to loans | 0.3181% | 1,913 |
| Credit loss provision to net charge-offs | -71.3306% | 5,571 |
| Earnings coverage of net charge-offs (x) | 3.4184% | 3,389 |
| Efficiency ratio | 81.3221% | 1,987 |
| Assets per employee ($millions) | 2.9507% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6394% | 158 |
| Loan loss allowance to noncurrent loans | 78.7857% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 6.4149% | 398 |
| Noncurrent loans to loans | 5.8887% | 498 |
| Net loans and leases to total assets | 74.6424% | 1,152 |
| Net loans and leases to deposits | 84.7749% | 1,707 |
| Net loans and leases to core deposits | 87.3325% | 2,190 |
| Total domestic deposits to total assets | 88.0477% | 2,210 |
| Equity capital to assets | 11.5328% | 2,266 |
| Core capital (leverage) ratio | 11.7794% | 1,739 |
| Tier 1 risk-based capital ratio | 16.0145% | 3,182 |
| Total risk-based capital ratio | 17.3100% | 3,102 |
| Memoranda: | ||
| Average total assets | $613,407,670 | 1,094 |
| Average earning assets | $585,381,330 | 1,054 |
| Average equity | $63,940,330 | 1,142 |
| Average total loans | $458,397,330 | 925 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,890 |
| Cost of funding earning assets | 0.9134% | 927 |
| Net interest margin | 3.1459% | 5,113 |
| Noninterest income to average assets | 1.0366% | 1,375 |
| Noninterest expense to average assets | 3.4198% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6164% | 4,134 |
| Return on assets (ROA) | 0.6164% | 4,292 |
| Pretax return on assets | 0.6164% | 4,887 |
| Return on Equity (ROE) | 6.2030% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.2030% | 2,566 |
| Net charge-offs to loans | -0.2845% | 6,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7274% | 1,676 |
| Assets per employee ($millions) | 3.3329% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7857% | 154 |
| Loan loss allowance to noncurrent loans | 76.2582% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 6.2864% | 493 |
| Noncurrent loans to loans | 6.2757% | 517 |
| Net loans and leases to total assets | 69.6686% | 1,719 |
| Net loans and leases to deposits | 89.1013% | 1,041 |
| Net loans and leases to core deposits | 92.0514% | 1,499 |
| Total domestic deposits to total assets | 78.1904% | 6,085 |
| Equity capital to assets | 10.2146% | 3,891 |
| Core capital (leverage) ratio | 10.2425% | 3,087 |
| Tier 1 risk-based capital ratio | 15.0796% | 3,788 |
| Total risk-based capital ratio | 16.3779% | 3,705 |
| Memoranda: | ||
| Average total assets | $639,797,500 | 1,065 |
| Average earning assets | $610,058,000 | 1,017 |
| Average equity | $63,582,500 | 1,165 |
| Average total loans | $468,183,500 | 906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 2,880 |
| Cost of funding earning assets | 1.0843% | 962 |
| Net interest margin | 3.5451% | 4,321 |
| Noninterest income to average assets | 1.1360% | 1,211 |
| Noninterest expense to average assets | 3.2412% | 2,487 |
| Loan and lease loss provision to assets | 0.3674% | 1,785 |
| Net operating income to assets | 0.8996% | 2,821 |
| Return on assets (ROA) | 0.8996% | 3,062 |
| Pretax return on assets | 0.8996% | 3,925 |
| Return on Equity (ROE) | 10.2718% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.2718% | 546 |
| Net charge-offs to loans | 0.9129% | 1,240 |
| Credit loss provision to net charge-offs | 52.7363% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.8186% | 4,522 |
| Efficiency ratio | 71.8958% | 3,430 |
| Assets per employee ($millions) | 3.3661% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5215% | 183 |
| Loan loss allowance to noncurrent loans | 57.7785% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 7.4566% | 402 |
| Noncurrent loans to loans | 7.8255% | 378 |
| Net loans and leases to total assets | 69.8741% | 1,867 |
| Net loans and leases to deposits | 88.2629% | 1,238 |
| Net loans and leases to core deposits | 91.9925% | 1,637 |
| Total domestic deposits to total assets | 79.1658% | 5,854 |
| Equity capital to assets | 9.6725% | 4,632 |
| Core capital (leverage) ratio | 9.6792% | 3,844 |
| Tier 1 risk-based capital ratio | 14.2348% | 4,213 |
| Total risk-based capital ratio | 15.5294% | 4,135 |
| Memoranda: | ||
| Average total assets | $692,439,200 | 950 |
| Average earning assets | $658,649,600 | 913 |
| Average equity | $60,641,800 | 1,176 |
| Average total loans | $528,432,800 | 781 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 2,658 |
| Cost of funding earning assets | 1.1238% | 967 |
| Net interest margin | 3.6091% | 4,202 |
| Noninterest income to average assets | 1.1410% | 1,167 |
| Noninterest expense to average assets | 3.2506% | 2,424 |
| Loan and lease loss provision to assets | 0.4830% | 1,280 |
| Net operating income to assets | 0.8389% | 3,267 |
| Return on assets (ROA) | 0.8389% | 3,516 |
| Pretax return on assets | 0.8389% | 4,341 |
| Return on Equity (ROE) | 9.8179% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.8179% | 962 |
| Net charge-offs to loans | 1.4709% | 593 |
| Credit loss provision to net charge-offs | 42.6202% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.1665% | 4,717 |
| Efficiency ratio | 71.0899% | 3,490 |
| Assets per employee ($millions) | 3.2815% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1005% | 280 |
| Loan loss allowance to noncurrent loans | 59.1627% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 7.4479% | 451 |
| Noncurrent loans to loans | 6.9309% | 526 |
| Net loans and leases to total assets | 74.4040% | 1,186 |
| Net loans and leases to deposits | 94.1859% | 780 |
| Net loans and leases to core deposits | 98.4446% | 1,231 |
| Total domestic deposits to total assets | 78.9970% | 5,868 |
| Equity capital to assets | 9.5657% | 5,118 |
| Core capital (leverage) ratio | 9.5485% | 4,198 |
| Tier 1 risk-based capital ratio | 13.3171% | 5,008 |
| Total risk-based capital ratio | 14.6065% | 4,947 |
| Memoranda: | ||
| Average total assets | $702,294,250 | 945 |
| Average earning assets | $667,742,250 | 909 |
| Average equity | $60,011,500 | 1,193 |
| Average total loans | $541,066,250 | 771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 2,890 |
| Cost of funding earning assets | 1.1560% | 996 |
| Net interest margin | 3.5496% | 4,466 |
| Noninterest income to average assets | 1.0942% | 1,196 |
| Noninterest expense to average assets | 3.2108% | 2,556 |
| Loan and lease loss provision to assets | 0.2659% | 2,454 |
| Net operating income to assets | 0.9934% | 2,496 |
| Return on assets (ROA) | 0.9934% | 2,720 |
| Pretax return on assets | 0.9934% | 3,730 |
| Return on Equity (ROE) | 12.0523% | 1,650 |
| Retained earnings to average equity (ytd only) | 12.0523% | 572 |
| Net charge-offs to loans | 1.5598% | 617 |
| Credit loss provision to net charge-offs | 22.1760% | 4,572 |
| Earnings coverage of net charge-offs (x) | 1.0501% | 4,497 |
| Efficiency ratio | 71.8287% | 3,455 |
| Assets per employee ($millions) | 3.3494% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9542% | 354 |
| Loan loss allowance to noncurrent loans | 65.9881% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 6.6471% | 612 |
| Noncurrent loans to loans | 5.9924% | 734 |
| Net loans and leases to total assets | 74.4010% | 1,195 |
| Net loans and leases to deposits | 93.0747% | 846 |
| Net loans and leases to core deposits | 101.0509% | 1,037 |
| Total domestic deposits to total assets | 79.9368% | 5,755 |
| Equity capital to assets | 9.0716% | 5,617 |
| Core capital (leverage) ratio | 9.0446% | 4,850 |
| Tier 1 risk-based capital ratio | 12.4423% | 5,612 |
| Total risk-based capital ratio | 13.7289% | 5,563 |
| Memoranda: | ||
| Average total assets | $722,000,670 | 923 |
| Average earning assets | $686,668,000 | 888 |
| Average equity | $59,507,330 | 1,195 |
| Average total loans | $555,085,000 | 756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 3,297 |
| Cost of funding earning assets | 1.1602% | 1,144 |
| Net interest margin | 3.4834% | 4,779 |
| Noninterest income to average assets | 1.3614% | 777 |
| Noninterest expense to average assets | 3.1238% | 2,835 |
| Loan and lease loss provision to assets | -0.0684% | 7,160 |
| Net operating income to assets | 1.6180% | 835 |
| Return on assets (ROA) | 1.6180% | 935 |
| Pretax return on assets | 1.6180% | 1,512 |
| Return on Equity (ROE) | 20.5581% | 350 |
| Retained earnings to average equity (ytd only) | 20.5581% | 175 |
| Net charge-offs to loans | 1.6302% | 600 |
| Credit loss provision to net charge-offs | -5.4795% | 5,341 |
| Earnings coverage of net charge-offs (x) | 1.2406% | 3,716 |
| Efficiency ratio | 66.8421% | 4,388 |
| Assets per employee ($millions) | 3.5837% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8116% | 430 |
| Loan loss allowance to noncurrent loans | 64.8485% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 6.7042% | 660 |
| Noncurrent loans to loans | 5.8777% | 864 |
| Net loans and leases to total assets | 76.5798% | 738 |
| Net loans and leases to deposits | 94.8194% | 614 |
| Net loans and leases to core deposits | 105.8911% | 677 |
| Total domestic deposits to total assets | 80.7638% | 5,660 |
| Equity capital to assets | 8.5412% | 6,052 |
| Core capital (leverage) ratio | 8.5033% | 5,582 |
| Tier 1 risk-based capital ratio | 11.2626% | 6,411 |
| Total risk-based capital ratio | 12.5467% | 6,371 |
| Memoranda: | ||
| Average total assets | $748,064,500 | 899 |
| Average earning assets | $711,257,500 | 848 |
| Average equity | $58,877,000 | 1,206 |
| Average total loans | $573,172,000 | 727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0991% | 2,461 |
| Cost of funding earning assets | 1.4294% | 921 |
| Net interest margin | 3.6697% | 4,433 |
| Noninterest income to average assets | -0.2372% | 7,175 |
| Noninterest expense to average assets | 2.3772% | 5,834 |
| Loan and lease loss provision to assets | 2.0691% | 271 |
| Net operating income to assets | -1.2587% | 6,838 |
| Return on assets (ROA) | -1.2587% | 6,859 |
| Pretax return on assets | -1.2587% | 6,829 |
| Return on Equity (ROE) | -16.1094% | 6,910 |
| Retained earnings to average equity (ytd only) | -16.1094% | 6,889 |
| Net charge-offs to loans | 1.7825% | 832 |
| Credit loss provision to net charge-offs | 153.8694% | 1,825 |
| Earnings coverage of net charge-offs (x) | 0.6026% | 5,371 |
| Efficiency ratio | 74.5774% | 3,133 |
| Assets per employee ($millions) | 3.8543% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0883% | 359 |
| Loan loss allowance to noncurrent loans | 70.2683% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 6.4052% | 742 |
| Noncurrent loans to loans | 5.8182% | 878 |
| Net loans and leases to total assets | 70.9226% | 1,838 |
| Net loans and leases to deposits | 85.2465% | 1,771 |
| Net loans and leases to core deposits | 97.8751% | 1,340 |
| Total domestic deposits to total assets | 83.1971% | 4,670 |
| Equity capital to assets | 7.2714% | 6,885 |
| Core capital (leverage) ratio | 7.1374% | 6,816 |
| Tier 1 risk-based capital ratio | 9.6094% | 6,936 |
| Total risk-based capital ratio | 10.8593% | 6,934 |
| Memoranda: | ||
| Average total assets | $835,052,400 | 780 |
| Average earning assets | $779,336,000 | 756 |
| Average equity | $65,247,600 | 1,035 |
| Average total loans | $629,952,000 | 659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 2,310 |
| Cost of funding earning assets | 1.4930% | 890 |
| Net interest margin | 3.6771% | 4,439 |
| Noninterest income to average assets | 0.4731% | 4,107 |
| Noninterest expense to average assets | 2.8645% | 4,085 |
| Loan and lease loss provision to assets | 1.5233% | 446 |
| Net operating income to assets | -0.4975% | 6,636 |
| Return on assets (ROA) | -0.4975% | 6,684 |
| Pretax return on assets | -0.4975% | 6,617 |
| Return on Equity (ROE) | -6.2661% | 6,734 |
| Retained earnings to average equity (ytd only) | -6.2661% | 6,661 |
| Net charge-offs to loans | 2.4119% | 464 |
| Credit loss provision to net charge-offs | 83.3391% | 4,022 |
| Earnings coverage of net charge-offs (x) | 0.5612% | 5,208 |
| Efficiency ratio | 73.6322% | 3,251 |
| Assets per employee ($millions) | 3.9725% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 1,257 |
| Loan loss allowance to noncurrent loans | 50.0677% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 6.4659% | 803 |
| Noncurrent loans to loans | 5.2006% | 1,175 |
| Net loans and leases to total assets | 72.7050% | 1,568 |
| Net loans and leases to deposits | 87.7361% | 1,462 |
| Net loans and leases to core deposits | 101.3132% | 1,132 |
| Total domestic deposits to total assets | 82.8678% | 4,732 |
| Equity capital to assets | 7.9515% | 6,724 |
| Core capital (leverage) ratio | 7.7933% | 6,567 |
| Tier 1 risk-based capital ratio | 10.3664% | 6,833 |
| Total risk-based capital ratio | 11.6164% | 6,818 |
| Memoranda: | ||
| Average total assets | $846,281,250 | 779 |
| Average earning assets | $786,472,000 | 756 |
| Average equity | $67,196,000 | 1,005 |
| Average total loans | $641,371,750 | 652 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2041% | 2,239 |
| Cost of funding earning assets | 1.5752% | 773 |
| Net interest margin | 3.6290% | 4,608 |
| Noninterest income to average assets | 0.4388% | 4,354 |
| Noninterest expense to average assets | 2.8780% | 4,112 |
| Loan and lease loss provision to assets | 1.2644% | 596 |
| Net operating income to assets | -0.3011% | 6,558 |
| Return on assets (ROA) | -0.3011% | 6,588 |
| Pretax return on assets | -0.3011% | 6,533 |
| Return on Equity (ROE) | -3.7936% | 6,641 |
| Retained earnings to average equity (ytd only) | -3.7936% | 6,454 |
| Net charge-offs to loans | 2.3342% | 541 |
| Credit loss provision to net charge-offs | 71.1336% | 4,030 |
| Earnings coverage of net charge-offs (x) | 0.5420% | 4,900 |
| Efficiency ratio | 74.9224% | 3,195 |
| Assets per employee ($millions) | 3.7204% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 1,401 |
| Loan loss allowance to noncurrent loans | 47.6341% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 6.7766% | 772 |
| Noncurrent loans to loans | 5.3121% | 1,207 |
| Net loans and leases to total assets | 74.6408% | 1,297 |
| Net loans and leases to deposits | 92.9492% | 954 |
| Net loans and leases to core deposits | 110.1891% | 715 |
| Total domestic deposits to total assets | 80.3027% | 5,738 |
| Equity capital to assets | 8.3076% | 6,414 |
| Core capital (leverage) ratio | 8.1331% | 6,117 |
| Tier 1 risk-based capital ratio | 10.5341% | 6,779 |
| Total risk-based capital ratio | 11.7841% | 6,775 |
| Memoranda: | ||
| Average total assets | $855,596,330 | 775 |
| Average earning assets | $802,206,000 | 758 |
| Average equity | $67,904,670 | 995 |
| Average total loans | $651,536,670 | 655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 2,164 |
| Cost of funding earning assets | 1.5816% | 870 |
| Net interest margin | 3.6357% | 4,395 |
| Noninterest income to average assets | 0.5502% | 3,510 |
| Noninterest expense to average assets | 2.7349% | 4,700 |
| Loan and lease loss provision to assets | 0.8848% | 915 |
| Net operating income to assets | 0.3137% | 5,340 |
| Return on assets (ROA) | 0.3137% | 5,413 |
| Pretax return on assets | 0.3483% | 5,517 |
| Return on Equity (ROE) | 4.0397% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.0397% | 3,745 |
| Net charge-offs to loans | 2.2042% | 552 |
| Credit loss provision to net charge-offs | 52.8517% | 3,694 |
| Earnings coverage of net charge-offs (x) | 0.7366% | 4,082 |
| Efficiency ratio | 68.9240% | 4,490 |
| Assets per employee ($millions) | 4.0870% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4713% | 1,502 |
| Loan loss allowance to noncurrent loans | 51.3765% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 6.0106% | 961 |
| Noncurrent loans to loans | 4.8102% | 1,414 |
| Net loans and leases to total assets | 72.3295% | 1,651 |
| Net loans and leases to deposits | 92.1097% | 1,009 |
| Net loans and leases to core deposits | 111.9399% | 661 |
| Total domestic deposits to total assets | 78.5254% | 6,292 |
| Equity capital to assets | 7.8080% | 6,670 |
| Core capital (leverage) ratio | 7.7009% | 6,558 |
| Tier 1 risk-based capital ratio | 10.1513% | 6,948 |
| Total risk-based capital ratio | 11.4013% | 6,949 |
| Memoranda: | ||
| Average total assets | $879,726,500 | 762 |
| Average earning assets | $827,013,500 | 731 |
| Average equity | $68,322,000 | 983 |
| Average total loans | $668,182,000 | 637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 2,871 |
| Cost of funding earning assets | 1.9084% | 813 |
| Net interest margin | 3.4472% | 5,446 |
| Noninterest income to average assets | 0.5375% | 3,903 |
| Noninterest expense to average assets | 2.5720% | 5,535 |
| Loan and lease loss provision to assets | 3.4593% | 232 |
| Net operating income to assets | -2.8836% | 7,269 |
| Return on assets (ROA) | -2.8836% | 7,288 |
| Pretax return on assets | -2.2624% | 7,106 |
| Return on Equity (ROE) | -32.7573% | 7,266 |
| Retained earnings to average equity (ytd only) | -32.7573% | 7,256 |
| Net charge-offs to loans | 3.6280% | 383 |
| Credit loss provision to net charge-offs | 122.2300% | 3,421 |
| Earnings coverage of net charge-offs (x) | 0.4229% | 5,687 |
| Efficiency ratio | 68.2422% | 4,510 |
| Assets per employee ($millions) | 4.1544% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6057% | 1,287 |
| Loan loss allowance to noncurrent loans | 40.6948% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 6.8378% | 813 |
| Noncurrent loans to loans | 6.4030% | 949 |
| Net loans and leases to total assets | 75.7146% | 1,332 |
| Net loans and leases to deposits | 97.3858% | 762 |
| Net loans and leases to core deposits | 118.7786% | 569 |
| Total domestic deposits to total assets | 77.7471% | 6,363 |
| Equity capital to assets | 7.7246% | 6,731 |
| Core capital (leverage) ratio | 7.5977% | 6,620 |
| Tier 1 risk-based capital ratio | 9.7173% | 7,075 |
| Total risk-based capital ratio | 10.9673% | 7,076 |
| Memoranda: | ||
| Average total assets | $964,954,600 | 692 |
| Average earning assets | $904,562,800 | 665 |
| Average equity | $84,943,000 | 782 |
| Average total loans | $752,749,600 | 577 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4291% | 2,747 |
| Cost of funding earning assets | 1.9817% | 796 |
| Net interest margin | 3.4474% | 5,502 |
| Noninterest income to average assets | 0.4879% | 4,279 |
| Noninterest expense to average assets | 2.3268% | 6,245 |
| Loan and lease loss provision to assets | 3.0883% | 272 |
| Net operating income to assets | -2.4681% | 7,343 |
| Return on assets (ROA) | -2.4681% | 7,357 |
| Pretax return on assets | -1.7011% | 7,105 |
| Return on Equity (ROE) | -27.2909% | 7,344 |
| Retained earnings to average equity (ytd only) | -27.2909% | 7,336 |
| Net charge-offs to loans | 3.3159% | 425 |
| Credit loss provision to net charge-offs | 119.3011% | 3,461 |
| Earnings coverage of net charge-offs (x) | 0.5359% | 5,489 |
| Efficiency ratio | 62.6484% | 5,498 |
| Assets per employee ($millions) | 4.2594% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,883 |
| Loan loss allowance to noncurrent loans | 34.3819% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 7.0034% | 775 |
| Noncurrent loans to loans | 6.2621% | 968 |
| Net loans and leases to total assets | 77.4672% | 1,135 |
| Net loans and leases to deposits | 102.1020% | 529 |
| Net loans and leases to core deposits | 127.5958% | 420 |
| Total domestic deposits to total assets | 75.8724% | 6,680 |
| Equity capital to assets | 8.6079% | 6,141 |
| Core capital (leverage) ratio | 8.4040% | 5,693 |
| Tier 1 risk-based capital ratio | 10.5918% | 6,713 |
| Total risk-based capital ratio | 11.8418% | 6,698 |
| Memoranda: | ||
| Average total assets | $986,008,250 | 669 |
| Average earning assets | $922,733,250 | 647 |
| Average equity | $89,170,250 | 747 |
| Average total loans | $769,764,500 | 564 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 2,969 |
| Cost of funding earning assets | 2.0125% | 880 |
| Net interest margin | 3.3894% | 5,680 |
| Noninterest income to average assets | 0.3693% | 5,189 |
| Noninterest expense to average assets | 2.0852% | 6,951 |
| Loan and lease loss provision to assets | 2.1522% | 562 |
| Net operating income to assets | -1.7993% | 7,255 |
| Return on assets (ROA) | -1.7993% | 7,261 |
| Pretax return on assets | -0.6982% | 6,721 |
| Return on Equity (ROE) | -19.6141% | 7,268 |
| Retained earnings to average equity (ytd only) | -19.6141% | 7,246 |
| Net charge-offs to loans | 2.9378% | 552 |
| Credit loss provision to net charge-offs | 94.2383% | 4,292 |
| Earnings coverage of net charge-offs (x) | 0.6366% | 5,103 |
| Efficiency ratio | 58.9181% | 6,240 |
| Assets per employee ($millions) | 4.5527% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 4,096 |
| Loan loss allowance to noncurrent loans | 24.8969% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 5.4257% | 1,144 |
| Noncurrent loans to loans | 5.8815% | 1,098 |
| Net loans and leases to total assets | 76.6932% | 1,347 |
| Net loans and leases to deposits | 99.8816% | 739 |
| Net loans and leases to core deposits | 126.5885% | 498 |
| Total domestic deposits to total assets | 76.7842% | 6,551 |
| Equity capital to assets | 8.9695% | 5,494 |
| Core capital (leverage) ratio | 8.7574% | 4,994 |
| Tier 1 risk-based capital ratio | 11.1836% | 6,055 |
| Total risk-based capital ratio | 12.4336% | 6,052 |
| Memoranda: | ||
| Average total assets | $1,012,259,000 | 651 |
| Average earning assets | $946,704,670 | 632 |
| Average equity | $92,861,670 | 710 |
| Average total loans | $786,922,330 | 556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3871% | 3,100 |
| Cost of funding earning assets | 2.0582% | 917 |
| Net interest margin | 3.3289% | 5,868 |
| Noninterest income to average assets | 0.3856% | 5,040 |
| Noninterest expense to average assets | 2.0453% | 7,074 |
| Loan and lease loss provision to assets | 2.5340% | 418 |
| Net operating income to assets | -0.6481% | 6,925 |
| Return on assets (ROA) | -0.6481% | 6,955 |
| Pretax return on assets | -1.0915% | 7,095 |
| Return on Equity (ROE) | -6.9917% | 6,991 |
| Retained earnings to average equity (ytd only) | -6.9917% | 6,740 |
| Net charge-offs to loans | 3.1067% | 485 |
| Credit loss provision to net charge-offs | 104.9815% | 3,263 |
| Earnings coverage of net charge-offs (x) | 0.5976% | 4,493 |
| Efficiency ratio | 58.6410% | 6,387 |
| Assets per employee ($millions) | 4.8458% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,740 |
| Loan loss allowance to noncurrent loans | 19.8704% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 6.7961% | 809 |
| Noncurrent loans to loans | 7.7083% | 721 |
| Net loans and leases to total assets | 75.5964% | 1,621 |
| Net loans and leases to deposits | 98.0307% | 907 |
| Net loans and leases to core deposits | 130.2550% | 491 |
| Total domestic deposits to total assets | 77.1150% | 6,532 |
| Equity capital to assets | 9.2134% | 4,972 |
| Core capital (leverage) ratio | 7.8767% | 6,407 |
| Tier 1 risk-based capital ratio | 10.1004% | 6,961 |
| Total risk-based capital ratio | 11.3504% | 6,958 |
| Memoranda: | ||
| Average total assets | $1,031,246,500 | 658 |
| Average earning assets | $961,032,500 | 634 |
| Average equity | $95,598,500 | 692 |
| Average total loans | $801,226,500 | 569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7854% | 2,718 |
| Cost of funding earning assets | 2.3807% | 1,358 |
| Net interest margin | 3.4047% | 5,343 |
| Noninterest income to average assets | 0.6437% | 3,330 |
| Noninterest expense to average assets | 2.8354% | 4,814 |
| Loan and lease loss provision to assets | 2.4828% | 802 |
| Net operating income to assets | -0.9715% | 6,555 |
| Return on assets (ROA) | -0.9451% | 6,536 |
| Pretax return on assets | -1.4577% | 6,675 |
| Return on Equity (ROE) | -10.1332% | 6,639 |
| Retained earnings to average equity (ytd only) | -10.1332% | 6,535 |
| Net charge-offs to loans | 2.8371% | 775 |
| Credit loss provision to net charge-offs | 109.3325% | 5,045 |
| Earnings coverage of net charge-offs (x) | 0.4335% | 5,671 |
| Efficiency ratio | 74.2307% | 3,851 |
| Assets per employee ($millions) | 4.8830% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 3,999 |
| Loan loss allowance to noncurrent loans | 23.9788% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 5.9546% | 952 |
| Noncurrent loans to loans | 6.0318% | 1,040 |
| Net loans and leases to total assets | 77.4736% | 1,487 |
| Net loans and leases to deposits | 100.5263% | 857 |
| Net loans and leases to core deposits | 108.6313% | 3,040 |
| Total domestic deposits to total assets | 77.0680% | 6,461 |
| Equity capital to assets | 9.3265% | 4,672 |
| Core capital (leverage) ratio | 8.6446% | 5,024 |
| Tier 1 risk-based capital ratio | 10.8703% | 6,042 |
| Total risk-based capital ratio | 12.1202% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,075,365,600 | 628 |
| Average earning assets | $1,003,137,200 | 603 |
| Average equity | $100,294,200 | 655 |
| Average total loans | $860,723,200 | 547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 2,536 |
| Cost of funding earning assets | 2.4495% | 1,446 |
| Net interest margin | 3.4300% | 5,145 |
| Noninterest income to average assets | 0.6945% | 3,050 |
| Noninterest expense to average assets | 3.0491% | 3,844 |
| Loan and lease loss provision to assets | 2.8565% | 537 |
| Net operating income to assets | -1.3213% | 7,021 |
| Return on assets (ROA) | -1.2857% | 7,009 |
| Pretax return on assets | -1.9546% | 7,159 |
| Return on Equity (ROE) | -13.7859% | 7,121 |
| Retained earnings to average equity (ytd only) | -13.7859% | 7,060 |
| Net charge-offs to loans | 3.1862% | 504 |
| Credit loss provision to net charge-offs | 111.5353% | 4,558 |
| Earnings coverage of net charge-offs (x) | 0.3311% | 5,694 |
| Efficiency ratio | 78.2387% | 3,127 |
| Assets per employee ($millions) | 4.8664% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,797 |
| Loan loss allowance to noncurrent loans | 25.5492% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 5.6631% | 986 |
| Noncurrent loans to loans | 5.5862% | 1,114 |
| Net loans and leases to total assets | 79.6435% | 1,249 |
| Net loans and leases to deposits | 104.8632% | 715 |
| Net loans and leases to core deposits | 114.9662% | 2,730 |
| Total domestic deposits to total assets | 75.9499% | 6,591 |
| Equity capital to assets | 9.3752% | 4,920 |
| Core capital (leverage) ratio | 8.6737% | 5,173 |
| Tier 1 risk-based capital ratio | 10.7083% | 6,238 |
| Total risk-based capital ratio | 11.9583% | 6,212 |
| Memoranda: | ||
| Average total assets | $1,085,409,500 | 632 |
| Average earning assets | $1,013,456,750 | 605 |
| Average equity | $101,231,000 | 656 |
| Average total loans | $872,461,750 | 558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8767% | 2,689 |
| Cost of funding earning assets | 2.4962% | 1,629 |
| Net interest margin | 3.3805% | 5,249 |
| Noninterest income to average assets | 0.4999% | 4,444 |
| Noninterest expense to average assets | 3.2457% | 3,163 |
| Loan and lease loss provision to assets | 3.6024% | 383 |
| Net operating income to assets | -2.1378% | 7,464 |
| Return on assets (ROA) | -2.0846% | 7,444 |
| Pretax return on assets | -3.1068% | 7,596 |
| Return on Equity (ROE) | -22.3879% | 7,572 |
| Retained earnings to average equity (ytd only) | -22.3879% | 7,529 |
| Net charge-offs to loans | 3.8097% | 385 |
| Credit loss provision to net charge-offs | 117.8288% | 3,939 |
| Earnings coverage of net charge-offs (x) | 0.1361% | 5,531 |
| Efficiency ratio | 88.6342% | 1,936 |
| Assets per employee ($millions) | 4.9652% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 3,393 |
| Loan loss allowance to noncurrent loans | 25.1176% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 5.9743% | 814 |
| Noncurrent loans to loans | 5.8292% | 957 |
| Net loans and leases to total assets | 79.9115% | 1,328 |
| Net loans and leases to deposits | 103.6600% | 935 |
| Net loans and leases to core deposits | 113.5755% | 2,963 |
| Total domestic deposits to total assets | 77.0900% | 6,300 |
| Equity capital to assets | 9.0877% | 5,183 |
| Core capital (leverage) ratio | 8.3827% | 5,654 |
| Tier 1 risk-based capital ratio | 10.2828% | 6,615 |
| Total risk-based capital ratio | 11.5328% | 6,550 |
| Memoranda: | ||
| Average total assets | $1,103,318,000 | 628 |
| Average earning assets | $1,031,975,330 | 604 |
| Average equity | $102,734,000 | 654 |
| Average total loans | $885,427,000 | 564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8450% | 3,056 |
| Cost of funding earning assets | 2.4828% | 1,979 |
| Net interest margin | 3.3622% | 5,282 |
| Noninterest income to average assets | 0.3452% | 5,688 |
| Noninterest expense to average assets | 2.8111% | 4,510 |
| Loan and lease loss provision to assets | 2.3281% | 508 |
| Net operating income to assets | -0.9689% | 7,236 |
| Return on assets (ROA) | -0.8704% | 7,198 |
| Pretax return on assets | -1.4846% | 7,356 |
| Return on Equity (ROE) | -9.2443% | 7,314 |
| Retained earnings to average equity (ytd only) | -9.2443% | 7,035 |
| Net charge-offs to loans | 2.6655% | 505 |
| Credit loss provision to net charge-offs | 109.3740% | 3,521 |
| Earnings coverage of net charge-offs (x) | 0.3240% | 4,720 |
| Efficiency ratio | 80.2997% | 2,774 |
| Assets per employee ($millions) | 5.3998% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,265 |
| Loan loss allowance to noncurrent loans | 23.8501% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 5.2346% | 841 |
| Noncurrent loans to loans | 4.7346% | 1,176 |
| Net loans and leases to total assets | 79.1385% | 1,553 |
| Net loans and leases to deposits | 109.8917% | 614 |
| Net loans and leases to core deposits | 120.7612% | 2,351 |
| Total domestic deposits to total assets | 72.0150% | 7,205 |
| Equity capital to assets | 9.4369% | 4,763 |
| Core capital (leverage) ratio | 9.2729% | 4,279 |
| Tier 1 risk-based capital ratio | 11.5424% | 5,361 |
| Total risk-based capital ratio | 12.6711% | 5,388 |
| Memoranda: | ||
| Average total assets | $1,128,661,500 | 612 |
| Average earning assets | $1,059,306,500 | 597 |
| Average equity | $106,271,000 | 630 |
| Average total loans | $901,304,500 | 560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3400% | 3,730 |
| Cost of funding earning assets | 3.1228% | 1,441 |
| Net interest margin | 3.2172% | 6,319 |
| Noninterest income to average assets | 0.4544% | 5,006 |
| Noninterest expense to average assets | 2.4994% | 6,009 |
| Loan and lease loss provision to assets | 2.3969% | 448 |
| Net operating income to assets | -0.9382% | 7,213 |
| Return on assets (ROA) | -0.8698% | 7,086 |
| Pretax return on assets | -1.2987% | 7,164 |
| Return on Equity (ROE) | -10.2509% | 7,294 |
| Retained earnings to average equity (ytd only) | -12.3673% | 7,274 |
| Net charge-offs to loans | 2.8671% | 316 |
| Credit loss provision to net charge-offs | 104.1348% | 5,134 |
| Earnings coverage of net charge-offs (x) | 0.4328% | 5,970 |
| Efficiency ratio | 61.7358% | 6,001 |
| Assets per employee ($millions) | 5.6126% | 1,377 |
| Cash dividends to net income (ytd only)* | -20.6462% | 7,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 5,712 |
| Loan loss allowance to noncurrent loans | 17.3593% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 5.6754% | 554 |
| Noncurrent loans to loans | 5.9933% | 593 |
| Net loans and leases to total assets | 78.8461% | 1,925 |
| Net loans and leases to deposits | 102.3740% | 1,545 |
| Net loans and leases to core deposits | 111.2214% | 3,648 |
| Total domestic deposits to total assets | 77.0177% | 5,985 |
| Equity capital to assets | 9.3950% | 4,825 |
| Core capital (leverage) ratio | 9.2258% | 4,401 |
| Tier 1 risk-based capital ratio | 11.6259% | 5,131 |
| Total risk-based capital ratio | 12.6741% | 5,218 |
| Memoranda: | ||
| Average total assets | $1,113,752,400 | 598 |
| Average earning assets | $1,052,806,600 | 577 |
| Average equity | $94,499,000 | 710 |
| Average total loans | $894,145,200 | 548 |