Home > International Finance Bank > Performance and Condition Ratios
International Finance Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 1,347 |
| Cost of funding earning assets | 0.8340% | 3,652 |
| Net interest margin | 4.5453% | 569 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6215% | 1,948 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 1.6254% | 829 |
| Return on assets (ROA) | 1.6289% | 794 |
| Pretax return on assets | 2.0831% | 591 |
| Return on Equity (ROE) | 17.7500% | 851 |
| Retained earnings to average equity (ytd only) | 15.3863% | 305 |
| Net charge-offs to loans | 0.0099% | 2,283 |
| Credit loss provision to net charge-offs | 3,348.2353% | 151 |
| Earnings coverage of net charge-offs (x) | 277.1176% | 460 |
| Efficiency ratio | 52.2538% | 3,809 |
| Assets per employee ($millions) | 9.4587% | 841 |
| Cash dividends to net income (ytd only)* | 13.3103% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,015 |
| Loan loss allowance to noncurrent loans | 272.7704% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 1,207 |
| Noncurrent loans to loans | 0.5542% | 1,412 |
| Net loans and leases to total assets | 81.9900% | 432 |
| Net loans and leases to deposits | 91.2738% | 1,161 |
| Net loans and leases to core deposits | 102.5730% | 1,301 |
| Total domestic deposits to total assets | 89.8300% | 806 |
| Equity capital to assets | 9.3679% | 2,440 |
| Core capital (leverage) ratio | 9.7761% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8875% | 1,903 |
| Memoranda: | ||
| Average total assets | $996,239,400 | 991 |
| Average earning assets | $978,044,200 | 926 |
| Average equity | $91,431,800 | 1,015 |
| Average total loans | $859,297,400 | 819 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 1,202 |
| Cost of funding earning assets | 0.6655% | 3,837 |
| Net interest margin | 4.6899% | 468 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.5788% | 2,008 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.7870% | 687 |
| Return on assets (ROA) | 1.7812% | 680 |
| Pretax return on assets | 2.3311% | 463 |
| Return on Equity (ROE) | 19.5200% | 772 |
| Retained earnings to average equity (ytd only) | 17.3758% | 373 |
| Net charge-offs to loans | 0.0132% | 1,922 |
| Credit loss provision to net charge-offs | 1,942.3529% | 243 |
| Earnings coverage of net charge-offs (x) | 222.2118% | 548 |
| Efficiency ratio | 49.8404% | 3,924 |
| Assets per employee ($millions) | 8.9932% | 937 |
| Cash dividends to net income (ytd only)* | 10.9673% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 1,537 |
| Loan loss allowance to noncurrent loans | 284.2479% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 1,396 |
| Noncurrent loans to loans | 0.4849% | 1,613 |
| Net loans and leases to total assets | 84.6100% | 241 |
| Net loans and leases to deposits | 94.2396% | 875 |
| Net loans and leases to core deposits | 103.3566% | 1,150 |
| Total domestic deposits to total assets | 89.7800% | 997 |
| Equity capital to assets | 9.3256% | 2,206 |
| Core capital (leverage) ratio | 9.5992% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5539% | 2,059 |
| Memoranda: | ||
| Average total assets | $982,820,000 | 1,004 |
| Average earning assets | $965,026,000 | 935 |
| Average equity | $89,701,000 | 1,030 |
| Average total loans | $855,615,250 | 822 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 1,113 |
| Cost of funding earning assets | 0.4625% | 4,053 |
| Net interest margin | 4.8111% | 397 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5605% | 2,034 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.8833% | 576 |
| Return on assets (ROA) | 1.8846% | 571 |
| Pretax return on assets | 2.5183% | 347 |
| Return on Equity (ROE) | 20.8100% | 628 |
| Retained earnings to average equity (ytd only) | 19.1703% | 279 |
| Net charge-offs to loans | 0.0200% | 1,492 |
| Credit loss provision to net charge-offs | 1,188.2353% | 364 |
| Earnings coverage of net charge-offs (x) | 155.7294% | 739 |
| Efficiency ratio | 48.1326% | 4,059 |
| Assets per employee ($millions) | 8.9082% | 940 |
| Cash dividends to net income (ytd only)* | 7.8637% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 1,903 |
| Loan loss allowance to noncurrent loans | 267.4818% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,253 |
| Noncurrent loans to loans | 0.4888% | 1,495 |
| Net loans and leases to total assets | 86.0800% | 148 |
| Net loans and leases to deposits | 95.6778% | 752 |
| Net loans and leases to core deposits | 104.0767% | 1,049 |
| Total domestic deposits to total assets | 89.9600% | 927 |
| Equity capital to assets | 9.1971% | 2,377 |
| Core capital (leverage) ratio | 9.5354% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8259% | 2,362 |
| Memoranda: | ||
| Average total assets | $971,682,000 | 1,003 |
| Average earning assets | $954,034,333 | 936 |
| Average equity | $88,011,333 | 1,041 |
| Average total loans | $850,200,333 | 814 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 1,076 |
| Cost of funding earning assets | 0.3081% | 4,175 |
| Net interest margin | 4.8029% | 370 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.6053% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9747% | 509 |
| Return on assets (ROA) | 1.9865% | 494 |
| Pretax return on assets | 2.7509% | 267 |
| Return on Equity (ROE) | 22.1100% | 573 |
| Retained earnings to average equity (ytd only) | 22.1092% | 281 |
| Net charge-offs to loans | 0.0024% | 1,940 |
| Credit loss provision to net charge-offs | 120.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 1,312.6000% | 74 |
| Efficiency ratio | 48.4423% | 4,058 |
| Assets per employee ($millions) | 8.3869% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,444 |
| Loan loss allowance to noncurrent loans | 344.5287% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 1,610 |
| Noncurrent loans to loans | 0.3543% | 1,876 |
| Net loans and leases to total assets | 86.9400% | 108 |
| Net loans and leases to deposits | 96.7756% | 613 |
| Net loans and leases to core deposits | 105.5758% | 853 |
| Total domestic deposits to total assets | 89.8400% | 1,218 |
| Equity capital to assets | 9.0595% | 2,471 |
| Core capital (leverage) ratio | 9.3500% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6140% | 2,531 |
| Memoranda: | ||
| Average total assets | $958,661,500 | 1,030 |
| Average earning assets | $941,174,500 | 964 |
| Average equity | $86,136,000 | 1,073 |
| Average total loans | $840,213,000 | 833 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 1,353 |
| Cost of funding earning assets | 0.1582% | 4,069 |
| Net interest margin | 3.9913% | 799 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3888% | 2,459 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.3681% | 1,214 |
| Return on assets (ROA) | 1.3468% | 1,249 |
| Pretax return on assets | 1.7262% | 867 |
| Return on Equity (ROE) | 16.5300% | 954 |
| Retained earnings to average equity (ytd only) | 16.0132% | 226 |
| Net charge-offs to loans | 0.1188% | 640 |
| Credit loss provision to net charge-offs | 232.9810% | 1,034 |
| Earnings coverage of net charge-offs (x) | 20.0613% | 1,895 |
| Efficiency ratio | 54.2501% | 3,777 |
| Assets per employee ($millions) | 8.2126% | 1,227 |
| Cash dividends to net income (ytd only)* | 3.1274% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,783 |
| Loan loss allowance to noncurrent loans | 302.0268% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 1,562 |
| Noncurrent loans to loans | 0.3712% | 1,812 |
| Net loans and leases to total assets | 86.2900% | 140 |
| Net loans and leases to deposits | 95.7993% | 654 |
| Net loans and leases to core deposits | 103.4290% | 840 |
| Total domestic deposits to total assets | 90.0700% | 1,333 |
| Equity capital to assets | 8.9083% | 2,416 |
| Core capital (leverage) ratio | 8.9198% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4098% | 2,608 |
| Memoranda: | ||
| Average total assets | $956,787,800 | 1,023 |
| Average earning assets | $944,878,200 | 955 |
| Average equity | $77,954,400 | 1,152 |
| Average total loans | $796,460,200 | 824 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 1,754 |
| Cost of funding earning assets | 0.1565% | 3,767 |
| Net interest margin | 3.6461% | 1,284 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3793% | 2,399 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 1.0894% | 2,144 |
| Return on assets (ROA) | 1.0600% | 2,216 |
| Pretax return on assets | 1.3293% | 1,951 |
| Return on Equity (ROE) | 13.3200% | 1,605 |
| Retained earnings to average equity (ytd only) | 12.6124% | 677 |
| Net charge-offs to loans | 0.0804% | 738 |
| Credit loss provision to net charge-offs | 428.5714% | 675 |
| Earnings coverage of net charge-offs (x) | 24.9475% | 1,613 |
| Efficiency ratio | 58.6402% | 3,309 |
| Assets per employee ($millions) | 8.2648% | 1,188 |
| Cash dividends to net income (ytd only)* | 5.2811% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,907 |
| Loan loss allowance to noncurrent loans | 259.7279% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 1,449 |
| Noncurrent loans to loans | 0.4323% | 1,733 |
| Net loans and leases to total assets | 85.4700% | 156 |
| Net loans and leases to deposits | 93.1336% | 689 |
| Net loans and leases to core deposits | 100.0270% | 811 |
| Total domestic deposits to total assets | 91.7700% | 950 |
| Equity capital to assets | 7.9894% | 2,903 |
| Core capital (leverage) ratio | 8.3905% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4183% | 2,965 |
| Memoranda: | ||
| Average total assets | $959,873,000 | 1,030 |
| Average earning assets | $949,347,500 | 961 |
| Average equity | $76,409,500 | 1,188 |
| Average total loans | $789,535,250 | 829 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 2,171 |
| Cost of funding earning assets | 0.1733% | 3,273 |
| Net interest margin | 3.3176% | 1,859 |
| Noninterest income to average assets | 0.4101% | 2,692 |
| Noninterest expense to average assets | 2.3397% | 2,428 |
| Loan and lease loss provision to assets | 0.2691% | 258 |
| Net operating income to assets | 0.8749% | 2,686 |
| Return on assets (ROA) | 0.8448% | 2,774 |
| Pretax return on assets | 1.0458% | 2,586 |
| Return on Equity (ROE) | 10.6253% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.6253% | 868 |
| Net charge-offs to loans | 0.0234% | 1,256 |
| Credit loss provision to net charge-offs | 1,423.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 71.5111% | 991 |
| Efficiency ratio | 62.9147% | 2,930 |
| Assets per employee ($millions) | 8.4293% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,092 |
| Loan loss allowance to noncurrent loans | 211.8476% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 1,255 |
| Noncurrent loans to loans | 0.5276% | 1,569 |
| Net loans and leases to total assets | 84.4458% | 170 |
| Net loans and leases to deposits | 91.9277% | 611 |
| Net loans and leases to core deposits | 100.6513% | 647 |
| Total domestic deposits to total assets | 91.8611% | 898 |
| Equity capital to assets | 7.9352% | 3,168 |
| Core capital (leverage) ratio | 8.2806% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3589% | 2,955 |
| Memoranda: | ||
| Average total assets | $951,992,333 | 1,031 |
| Average earning assets | $941,715,333 | 965 |
| Average equity | $75,687,000 | 1,217 |
| Average total loans | $769,329,667 | 829 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 2,362 |
| Cost of funding earning assets | 0.1963% | 2,850 |
| Net interest margin | 3.1123% | 2,130 |
| Noninterest income to average assets | 0.3652% | 2,898 |
| Noninterest expense to average assets | 2.3586% | 2,309 |
| Loan and lease loss provision to assets | 0.1157% | 724 |
| Net operating income to assets | 0.8208% | 2,593 |
| Return on assets (ROA) | 0.7831% | 2,711 |
| Pretax return on assets | 0.9258% | 2,677 |
| Return on Equity (ROE) | 9.8403% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.8403% | 1,063 |
| Net charge-offs to loans | 0.0317% | 984 |
| Credit loss provision to net charge-offs | 464.4068% | 540 |
| Earnings coverage of net charge-offs (x) | 43.5932% | 975 |
| Efficiency ratio | 67.9863% | 2,509 |
| Assets per employee ($millions) | 9.1282% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,381 |
| Loan loss allowance to noncurrent loans | 191.7642% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 1,354 |
| Noncurrent loans to loans | 0.5673% | 1,622 |
| Net loans and leases to total assets | 78.5032% | 338 |
| Net loans and leases to deposits | 85.4648% | 776 |
| Net loans and leases to core deposits | 94.0725% | 732 |
| Total domestic deposits to total assets | 91.8544% | 636 |
| Equity capital to assets | 7.9546% | 3,605 |
| Core capital (leverage) ratio | 8.0460% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8068% | 2,935 |
| Memoranda: | ||
| Average total assets | $947,517,500 | 1,040 |
| Average earning assets | $937,450,500 | 972 |
| Average equity | $75,404,000 | 1,250 |
| Average total loans | $743,670,500 | 839 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 3,515 |
| Cost of funding earning assets | 0.2718% | 2,688 |
| Net interest margin | 2.9098% | 3,419 |
| Noninterest income to average assets | 0.3596% | 3,282 |
| Noninterest expense to average assets | 2.1749% | 3,161 |
| Loan and lease loss provision to assets | 0.1434% | 836 |
| Net operating income to assets | 0.7162% | 3,588 |
| Return on assets (ROA) | 0.7114% | 3,652 |
| Pretax return on assets | 0.9109% | 3,484 |
| Return on Equity (ROE) | 8.9211% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3949% | 1,390 |
| Net charge-offs to loans | 0.0920% | 902 |
| Credit loss provision to net charge-offs | 197.8723% | 1,312 |
| Earnings coverage of net charge-offs (x) | 14.6353% | 2,025 |
| Efficiency ratio | 66.6757% | 2,167 |
| Assets per employee ($millions) | 8.8384% | 973 |
| Cash dividends to net income (ytd only)* | 5.8978% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,408 |
| Loan loss allowance to noncurrent loans | 183.4713% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,435 |
| Noncurrent loans to loans | 0.5927% | 1,655 |
| Net loans and leases to total assets | 76.7586% | 458 |
| Net loans and leases to deposits | 83.6129% | 932 |
| Net loans and leases to core deposits | 91.7391% | 894 |
| Total domestic deposits to total assets | 91.8023% | 236 |
| Equity capital to assets | 7.9616% | 4,385 |
| Core capital (leverage) ratio | 8.0583% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8839% | 2,915 |
| Memoranda: | ||
| Average total assets | $908,129,600 | 1,040 |
| Average earning assets | $897,470,200 | 980 |
| Average equity | $72,412,800 | 1,313 |
| Average total loans | $715,158,600 | 864 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2039% | 3,599 |
| Cost of funding earning assets | 0.2919% | 2,668 |
| Net interest margin | 2.9120% | 3,529 |
| Noninterest income to average assets | 0.3826% | 3,193 |
| Noninterest expense to average assets | 2.0901% | 3,394 |
| Loan and lease loss provision to assets | 0.1660% | 657 |
| Net operating income to assets | 0.7688% | 3,600 |
| Return on assets (ROA) | 0.7649% | 3,673 |
| Pretax return on assets | 0.9984% | 3,460 |
| Return on Equity (ROE) | 9.5888% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.8803% | 1,741 |
| Net charge-offs to loans | 0.0544% | 1,110 |
| Credit loss provision to net charge-offs | 385.8621% | 876 |
| Earnings coverage of net charge-offs (x) | 27.1793% | 1,584 |
| Efficiency ratio | 63.5747% | 2,453 |
| Assets per employee ($millions) | 9.2554% | 823 |
| Cash dividends to net income (ytd only)* | 7.3894% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,360 |
| Loan loss allowance to noncurrent loans | 84.1492% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 643 |
| Noncurrent loans to loans | 1.3275% | 809 |
| Net loans and leases to total assets | 75.8167% | 564 |
| Net loans and leases to deposits | 82.3045% | 1,094 |
| Net loans and leases to core deposits | 91.3701% | 956 |
| Total domestic deposits to total assets | 92.1173% | 105 |
| Equity capital to assets | 7.7683% | 4,630 |
| Core capital (leverage) ratio | 7.7430% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0661% | 2,951 |
| Memoranda: | ||
| Average total assets | $898,735,250 | 1,057 |
| Average earning assets | $887,899,250 | 1,003 |
| Average equity | $71,692,750 | 1,344 |
| Average total loans | $710,475,250 | 883 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2286% | 3,619 |
| Cost of funding earning assets | 0.3073% | 2,713 |
| Net interest margin | 2.9212% | 3,526 |
| Noninterest income to average assets | 0.3795% | 3,216 |
| Noninterest expense to average assets | 2.0537% | 3,540 |
| Loan and lease loss provision to assets | 0.1308% | 945 |
| Net operating income to assets | 0.8118% | 3,472 |
| Return on assets (ROA) | 0.8075% | 3,561 |
| Pretax return on assets | 1.0741% | 3,289 |
| Return on Equity (ROE) | 10.0275% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.9528% | 1,724 |
| Net charge-offs to loans | 0.0304% | 1,362 |
| Credit loss provision to net charge-offs | 538.3178% | 656 |
| Earnings coverage of net charge-offs (x) | 49.8037% | 1,071 |
| Efficiency ratio | 62.3547% | 2,684 |
| Assets per employee ($millions) | 9.2690% | 782 |
| Cash dividends to net income (ytd only)* | 10.7173% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,444 |
| Loan loss allowance to noncurrent loans | 75.4203% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 642 |
| Noncurrent loans to loans | 1.4501% | 795 |
| Net loans and leases to total assets | 76.1614% | 579 |
| Net loans and leases to deposits | 83.5805% | 1,090 |
| Net loans and leases to core deposits | 93.2484% | 943 |
| Total domestic deposits to total assets | 91.1234% | 340 |
| Equity capital to assets | 7.8219% | 4,621 |
| Core capital (leverage) ratio | 8.0940% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5884% | 2,836 |
| Memoranda: | ||
| Average total assets | $880,545,000 | 1,073 |
| Average earning assets | $869,491,000 | 1,016 |
| Average equity | $70,905,000 | 1,344 |
| Average total loans | $703,657,000 | 891 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 3,589 |
| Cost of funding earning assets | 0.3294% | 2,712 |
| Net interest margin | 2.9173% | 3,474 |
| Noninterest income to average assets | 0.3784% | 3,203 |
| Noninterest expense to average assets | 2.0164% | 3,670 |
| Loan and lease loss provision to assets | 0.1250% | 1,097 |
| Net operating income to assets | 0.7934% | 3,446 |
| Return on assets (ROA) | 0.7838% | 3,538 |
| Pretax return on assets | 1.1043% | 3,099 |
| Return on Equity (ROE) | 9.5853% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.5853% | 1,771 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3203% | 2,861 |
| Assets per employee ($millions) | 8.5906% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,552 |
| Loan loss allowance to noncurrent loans | 74.9852% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 653 |
| Noncurrent loans to loans | 1.4315% | 881 |
| Net loans and leases to total assets | 79.9854% | 335 |
| Net loans and leases to deposits | 88.1290% | 815 |
| Net loans and leases to core deposits | 99.0176% | 761 |
| Total domestic deposits to total assets | 90.7594% | 490 |
| Equity capital to assets | 8.0940% | 4,436 |
| Core capital (leverage) ratio | 8.2827% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7319% | 2,756 |
| Memoranda: | ||
| Average total assets | $857,368,000 | 1,087 |
| Average earning assets | $846,271,000 | 1,027 |
| Average equity | $70,107,000 | 1,354 |
| Average total loans | $698,613,000 | 901 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 3,085 |
| Cost of funding earning assets | 0.6460% | 2,018 |
| Net interest margin | 3.2322% | 3,268 |
| Noninterest income to average assets | 0.3188% | 3,553 |
| Noninterest expense to average assets | 2.2215% | 3,618 |
| Loan and lease loss provision to assets | 0.5340% | 430 |
| Net operating income to assets | 0.5570% | 3,883 |
| Return on assets (ROA) | 0.5848% | 3,906 |
| Pretax return on assets | 0.7808% | 3,672 |
| Return on Equity (ROE) | 8.0420% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.0420% | 1,039 |
| Net charge-offs to loans | 0.5527% | 277 |
| Credit loss provision to net charge-offs | 116.1465% | 2,672 |
| Earnings coverage of net charge-offs (x) | 2.7832% | 3,134 |
| Efficiency ratio | 62.8786% | 2,999 |
| Assets per employee ($millions) | 8.2235% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,621 |
| Loan loss allowance to noncurrent loans | 172.9609% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,047 |
| Noncurrent loans to loans | 0.6159% | 2,154 |
| Net loans and leases to total assets | 81.2375% | 349 |
| Net loans and leases to deposits | 89.6045% | 954 |
| Net loans and leases to core deposits | 102.3070% | 798 |
| Total domestic deposits to total assets | 90.6623% | 316 |
| Equity capital to assets | 8.2611% | 4,595 |
| Core capital (leverage) ratio | 8.3714% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5973% | 2,774 |
| Memoranda: | ||
| Average total assets | $801,515,400 | 1,054 |
| Average earning assets | $789,163,600 | 1,003 |
| Average equity | $58,281,200 | 1,480 |
| Average total loans | $666,738,000 | 904 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,117 |
| Cost of funding earning assets | 0.7318% | 1,847 |
| Net interest margin | 3.2163% | 3,442 |
| Noninterest income to average assets | 0.3085% | 3,644 |
| Noninterest expense to average assets | 2.2137% | 3,649 |
| Loan and lease loss provision to assets | 0.7517% | 262 |
| Net operating income to assets | 0.3775% | 4,310 |
| Return on assets (ROA) | 0.4155% | 4,297 |
| Pretax return on assets | 0.5566% | 4,183 |
| Return on Equity (ROE) | 5.9284% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.9284% | 2,132 |
| Net charge-offs to loans | -0.0022% | 3,899 |
| Credit loss provision to net charge-offs | -40,600.0000% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1395% | 2,891 |
| Assets per employee ($millions) | 7.7798% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,233 |
| Loan loss allowance to noncurrent loans | 132.5145% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,041 |
| Noncurrent loans to loans | 1.1700% | 1,297 |
| Net loans and leases to total assets | 88.0550% | 77 |
| Net loans and leases to deposits | 95.8848% | 765 |
| Net loans and leases to core deposits | 110.1751% | 697 |
| Total domestic deposits to total assets | 91.8342% | 66 |
| Equity capital to assets | 7.0242% | 4,946 |
| Core capital (leverage) ratio | 6.9383% | 4,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2620% | 3,117 |
| Memoranda: | ||
| Average total assets | $792,195,750 | 1,051 |
| Average earning assets | $779,627,250 | 1,003 |
| Average equity | $55,528,000 | 1,530 |
| Average total loans | $661,234,500 | 903 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,187 |
| Cost of funding earning assets | 0.8335% | 1,661 |
| Net interest margin | 3.2192% | 3,611 |
| Noninterest income to average assets | 0.2764% | 3,818 |
| Noninterest expense to average assets | 2.3319% | 3,446 |
| Loan and lease loss provision to assets | 0.0857% | 3,209 |
| Net operating income to assets | 0.7672% | 3,169 |
| Return on assets (ROA) | 0.8246% | 3,076 |
| Pretax return on assets | 1.0995% | 2,710 |
| Return on Equity (ROE) | 11.7728% | 1,395 |
| Retained earnings to average equity (ytd only) | 11.7728% | 485 |
| Net charge-offs to loans | -0.0009% | 3,745 |
| Credit loss provision to net charge-offs | -11,233.3333% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1047% | 2,365 |
| Assets per employee ($millions) | 7.8952% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,362 |
| Loan loss allowance to noncurrent loans | 163.2173% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,201 |
| Noncurrent loans to loans | 0.6379% | 2,267 |
| Net loans and leases to total assets | 83.5858% | 286 |
| Net loans and leases to deposits | 92.4548% | 1,102 |
| Net loans and leases to core deposits | 113.8108% | 603 |
| Total domestic deposits to total assets | 90.4072% | 297 |
| Equity capital to assets | 7.1207% | 4,953 |
| Core capital (leverage) ratio | 6.9742% | 5,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4277% | 3,196 |
| Memoranda: | ||
| Average total assets | $786,560,333 | 1,043 |
| Average earning assets | $774,039,333 | 994 |
| Average equity | $55,093,000 | 1,525 |
| Average total loans | $640,421,000 | 913 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 3,205 |
| Cost of funding earning assets | 0.9899% | 1,464 |
| Net interest margin | 3.2113% | 3,825 |
| Noninterest income to average assets | 0.3217% | 3,594 |
| Noninterest expense to average assets | 2.6825% | 2,751 |
| Loan and lease loss provision to assets | 0.1060% | 2,358 |
| Net operating income to assets | 0.5119% | 3,863 |
| Return on assets (ROA) | 0.6233% | 3,590 |
| Pretax return on assets | 0.8348% | 3,320 |
| Return on Equity (ROE) | 8.9758% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.9758% | 980 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4410% | 1,517 |
| Assets per employee ($millions) | 7.5908% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,185 |
| Loan loss allowance to noncurrent loans | 241.5363% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 2,959 |
| Noncurrent loans to loans | 0.4569% | 2,882 |
| Net loans and leases to total assets | 80.4217% | 648 |
| Net loans and leases to deposits | 88.9056% | 1,654 |
| Net loans and leases to core deposits | 114.3743% | 651 |
| Total domestic deposits to total assets | 90.4573% | 205 |
| Equity capital to assets | 6.9920% | 5,069 |
| Core capital (leverage) ratio | 6.8163% | 5,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9023% | 3,344 |
| Memoranda: | ||
| Average total assets | $777,186,000 | 1,026 |
| Average earning assets | $764,915,500 | 977 |
| Average equity | $53,967,500 | 1,545 |
| Average total loans | $620,528,500 | 917 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 2,673 |
| Cost of funding earning assets | 1.0508% | 1,508 |
| Net interest margin | 3.5323% | 3,340 |
| Noninterest income to average assets | 0.3983% | 3,301 |
| Noninterest expense to average assets | 2.6324% | 3,090 |
| Loan and lease loss provision to assets | 0.1744% | 1,197 |
| Net operating income to assets | 0.7764% | 3,623 |
| Return on assets (ROA) | 0.7735% | 3,713 |
| Pretax return on assets | 1.0548% | 3,315 |
| Return on Equity (ROE) | 11.0009% | 1,889 |
| Retained earnings to average equity (ytd only) | 11.0009% | 331 |
| Net charge-offs to loans | 0.0034% | 3,556 |
| Credit loss provision to net charge-offs | 6,663.1579% | 67 |
| Earnings coverage of net charge-offs (x) | 471.0526% | 199 |
| Efficiency ratio | 58.8269% | 3,862 |
| Assets per employee ($millions) | 8.2989% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 2,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 77.5153% | 1,157 |
| Net loans and leases to deposits | 85.5443% | 2,149 |
| Net loans and leases to core deposits | 110.0404% | 850 |
| Total domestic deposits to total assets | 90.6142% | 175 |
| Equity capital to assets | 6.8942% | 5,148 |
| Core capital (leverage) ratio | 6.7427% | 5,151 |
| Tier 1 risk-based capital ratio | 9.2809% | 5,162 |
| Total risk-based capital ratio | 10.4995% | 5,160 |
| Memoranda: | ||
| Average total assets | $726,027,800 | 1,041 |
| Average earning assets | $712,566,800 | 998 |
| Average equity | $51,050,600 | 1,567 |
| Average total loans | $555,364,600 | 971 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 2,754 |
| Cost of funding earning assets | 1.0281% | 1,641 |
| Net interest margin | 3.5627% | 3,363 |
| Noninterest income to average assets | 0.2663% | 4,146 |
| Noninterest expense to average assets | 2.7103% | 2,837 |
| Loan and lease loss provision to assets | 0.2034% | 868 |
| Net operating income to assets | 0.6317% | 4,209 |
| Return on assets (ROA) | 0.6317% | 4,258 |
| Pretax return on assets | 0.8464% | 4,020 |
| Return on Equity (ROE) | 8.9367% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.9367% | 1,067 |
| Net charge-offs to loans | 0.0074% | 3,114 |
| Credit loss provision to net charge-offs | 3,623.3333% | 117 |
| Earnings coverage of net charge-offs (x) | 186.9953% | 465 |
| Efficiency ratio | 72.0812% | 1,829 |
| Assets per employee ($millions) | 7.6849% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,016 |
| Loan loss allowance to noncurrent loans | 1,323.8384% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,384 |
| Noncurrent loans to loans | 0.0833% | 4,265 |
| Net loans and leases to total assets | 78.0615% | 1,133 |
| Net loans and leases to deposits | 86.2728% | 2,164 |
| Net loans and leases to core deposits | 111.2827% | 884 |
| Total domestic deposits to total assets | 90.4822% | 175 |
| Equity capital to assets | 6.9113% | 5,227 |
| Core capital (leverage) ratio | 6.8314% | 5,226 |
| Tier 1 risk-based capital ratio | 8.8332% | 5,242 |
| Total risk-based capital ratio | 10.0254% | 5,240 |
| Memoranda: | ||
| Average total assets | $712,511,000 | 1,057 |
| Average earning assets | $698,737,500 | 1,011 |
| Average equity | $50,368,000 | 1,589 |
| Average total loans | $541,346,750 | 997 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 2,778 |
| Cost of funding earning assets | 0.9943% | 1,722 |
| Net interest margin | 3.5733% | 3,357 |
| Noninterest income to average assets | 0.2632% | 4,179 |
| Noninterest expense to average assets | 2.7643% | 2,706 |
| Loan and lease loss provision to assets | 0.1894% | 935 |
| Net operating income to assets | 0.6057% | 4,293 |
| Return on assets (ROA) | 0.6057% | 4,333 |
| Pretax return on assets | 0.8118% | 4,058 |
| Return on Equity (ROE) | 8.5008% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.5008% | 1,205 |
| Net charge-offs to loans | 0.0084% | 2,841 |
| Credit loss provision to net charge-offs | 3,009.0909% | 117 |
| Earnings coverage of net charge-offs (x) | 159.0455% | 474 |
| Efficiency ratio | 73.4119% | 1,715 |
| Assets per employee ($millions) | 7.5471% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,217.4603% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,408 |
| Noncurrent loans to loans | 0.0905% | 4,278 |
| Net loans and leases to total assets | 76.7770% | 1,423 |
| Net loans and leases to deposits | 85.0553% | 2,362 |
| Net loans and leases to core deposits | 107.6320% | 1,126 |
| Total domestic deposits to total assets | 90.2672% | 251 |
| Equity capital to assets | 7.1201% | 5,257 |
| Core capital (leverage) ratio | 6.8657% | 5,268 |
| Tier 1 risk-based capital ratio | 9.7117% | 5,256 |
| Total risk-based capital ratio | 10.9622% | 5,236 |
| Memoranda: | ||
| Average total assets | $698,976,000 | 1,078 |
| Average earning assets | $685,074,330 | 1,024 |
| Average equity | $49,807,330 | 1,597 |
| Average total loans | $523,646,670 | 1,027 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,711 |
| Cost of funding earning assets | 0.9661% | 1,714 |
| Net interest margin | 3.5797% | 3,329 |
| Noninterest income to average assets | 0.2562% | 4,177 |
| Noninterest expense to average assets | 2.7781% | 2,651 |
| Loan and lease loss provision to assets | 0.0980% | 1,789 |
| Net operating income to assets | 0.6609% | 4,059 |
| Return on assets (ROA) | 0.6609% | 4,097 |
| Pretax return on assets | 0.8858% | 3,814 |
| Return on Equity (ROE) | 9.2708% | 2,684 |
| Retained earnings to average equity (ytd only) | 9.2708% | 1,232 |
| Net charge-offs to loans | 0.0134% | 2,224 |
| Credit loss provision to net charge-offs | 994.1176% | 381 |
| Earnings coverage of net charge-offs (x) | 99.8235% | 666 |
| Efficiency ratio | 73.8481% | 1,776 |
| Assets per employee ($millions) | 7.6384% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,112 |
| Loan loss allowance to noncurrent loans | 250.4656% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,287 |
| Noncurrent loans to loans | 0.4401% | 3,005 |
| Net loans and leases to total assets | 73.7093% | 1,863 |
| Net loans and leases to deposits | 83.8521% | 2,403 |
| Net loans and leases to core deposits | 105.6439% | 1,199 |
| Total domestic deposits to total assets | 87.9039% | 1,387 |
| Equity capital to assets | 7.2541% | 5,290 |
| Core capital (leverage) ratio | 6.7139% | 5,329 |
| Tier 1 risk-based capital ratio | 10.0671% | 5,273 |
| Total risk-based capital ratio | 11.3173% | 5,229 |
| Memoranda: | ||
| Average total assets | $689,977,000 | 1,091 |
| Average earning assets | $675,692,500 | 1,038 |
| Average equity | $49,186,500 | 1,601 |
| Average total loans | $507,166,500 | 1,061 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 2,077 |
| Cost of funding earning assets | 0.7952% | 1,543 |
| Net interest margin | 3.8258% | 2,576 |
| Noninterest income to average assets | 0.2852% | 4,192 |
| Noninterest expense to average assets | 2.8572% | 2,497 |
| Loan and lease loss provision to assets | 0.0792% | 2,543 |
| Net operating income to assets | 0.8127% | 3,753 |
| Return on assets (ROA) | 0.8127% | 3,757 |
| Pretax return on assets | 1.0886% | 3,317 |
| Return on Equity (ROE) | 9.5713% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.5713% | 720 |
| Net charge-offs to loans | -0.0169% | 4,645 |
| Credit loss provision to net charge-offs | -583.7838% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9868% | 2,045 |
| Assets per employee ($millions) | 7.6944% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,130 |
| Loan loss allowance to noncurrent loans | 404.7128% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 3,842 |
| Noncurrent loans to loans | 0.2705% | 3,607 |
| Net loans and leases to total assets | 71.6926% | 2,314 |
| Net loans and leases to deposits | 81.2956% | 2,818 |
| Net loans and leases to core deposits | 103.4843% | 1,458 |
| Total domestic deposits to total assets | 88.1876% | 1,216 |
| Equity capital to assets | 7.0042% | 5,332 |
| Core capital (leverage) ratio | 6.7774% | 5,364 |
| Tier 1 risk-based capital ratio | 9.8528% | 5,340 |
| Total risk-based capital ratio | 11.1029% | 5,298 |
| Memoranda: | ||
| Average total assets | $545,563,800 | 1,304 |
| Average earning assets | $533,294,600 | 1,243 |
| Average equity | $46,326,200 | 1,619 |
| Average total loans | $437,245,600 | 1,167 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,976 |
| Cost of funding earning assets | 0.7380% | 1,630 |
| Net interest margin | 3.8602% | 2,433 |
| Noninterest income to average assets | 0.2977% | 4,160 |
| Noninterest expense to average assets | 2.9051% | 2,290 |
| Loan and lease loss provision to assets | 0.0223% | 3,573 |
| Net operating income to assets | 0.8516% | 3,733 |
| Return on assets (ROA) | 0.8516% | 3,740 |
| Pretax return on assets | 1.1406% | 3,239 |
| Return on Equity (ROE) | 9.4650% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.4650% | 1,053 |
| Net charge-offs to loans | -0.0215% | 4,652 |
| Credit loss provision to net charge-offs | -125.0000% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4138% | 1,974 |
| Assets per employee ($millions) | 6.6463% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,146 |
| Loan loss allowance to noncurrent loans | 371.3357% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,684 |
| Noncurrent loans to loans | 0.2982% | 3,606 |
| Net loans and leases to total assets | 84.2777% | 426 |
| Net loans and leases to deposits | 102.0371% | 651 |
| Net loans and leases to core deposits | 124.5025% | 451 |
| Total domestic deposits to total assets | 82.5952% | 3,435 |
| Equity capital to assets | 8.6479% | 4,835 |
| Core capital (leverage) ratio | 8.5289% | 5,081 |
| Tier 1 risk-based capital ratio | 10.7806% | 5,141 |
| Total risk-based capital ratio | 12.0310% | 5,042 |
| Memoranda: | ||
| Average total assets | $508,831,000 | 1,390 |
| Average earning assets | $496,992,500 | 1,319 |
| Average equity | $45,781,750 | 1,643 |
| Average total loans | $421,066,000 | 1,206 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 1,974 |
| Cost of funding earning assets | 0.6802% | 1,740 |
| Net interest margin | 3.8560% | 2,357 |
| Noninterest income to average assets | 0.2907% | 4,238 |
| Noninterest expense to average assets | 2.9595% | 2,173 |
| Loan and lease loss provision to assets | 0.0238% | 3,446 |
| Net operating income to assets | 0.8012% | 3,850 |
| Return on assets (ROA) | 0.8012% | 3,849 |
| Pretax return on assets | 1.0733% | 3,419 |
| Return on Equity (ROE) | 8.7797% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.7797% | 1,289 |
| Net charge-offs to loans | -0.0320% | 4,759 |
| Credit loss provision to net charge-offs | -90.7692% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9555% | 1,852 |
| Assets per employee ($millions) | 6.5882% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,901 |
| Loan loss allowance to noncurrent loans | 456.1998% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 3,907 |
| Noncurrent loans to loans | 0.2558% | 3,783 |
| Net loans and leases to total assets | 84.2902% | 426 |
| Net loans and leases to deposits | 99.4812% | 840 |
| Net loans and leases to core deposits | 122.3399% | 507 |
| Total domestic deposits to total assets | 84.7298% | 2,781 |
| Equity capital to assets | 8.9584% | 4,593 |
| Core capital (leverage) ratio | 8.6025% | 5,035 |
| Tier 1 risk-based capital ratio | 11.0330% | 5,038 |
| Total risk-based capital ratio | 12.2844% | 4,936 |
| Memoranda: | ||
| Average total assets | $496,775,330 | 1,424 |
| Average earning assets | $485,160,670 | 1,355 |
| Average equity | $45,332,000 | 1,661 |
| Average total loans | $406,603,000 | 1,243 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,285 |
| Cost of funding earning assets | 0.5948% | 2,090 |
| Net interest margin | 3.7777% | 2,512 |
| Noninterest income to average assets | 0.3048% | 4,125 |
| Noninterest expense to average assets | 3.0429% | 1,962 |
| Loan and lease loss provision to assets | 0.0336% | 3,055 |
| Net operating income to assets | 0.6849% | 4,155 |
| Return on assets (ROA) | 0.6849% | 4,158 |
| Pretax return on assets | 0.9176% | 3,790 |
| Return on Equity (ROE) | 7.4343% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.4343% | 2,085 |
| Net charge-offs to loans | -0.0635% | 5,069 |
| Credit loss provision to net charge-offs | -66.1290% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1846% | 1,568 |
| Assets per employee ($millions) | 6.2177% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,619 |
| Loan loss allowance to noncurrent loans | 438.0052% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 3,948 |
| Noncurrent loans to loans | 0.2813% | 3,763 |
| Net loans and leases to total assets | 81.0662% | 781 |
| Net loans and leases to deposits | 95.8386% | 1,051 |
| Net loans and leases to core deposits | 115.4123% | 747 |
| Total domestic deposits to total assets | 84.5863% | 3,080 |
| Equity capital to assets | 8.9779% | 4,582 |
| Core capital (leverage) ratio | 8.8094% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2735% | 4,993 |
| Total risk-based capital ratio | 12.5259% | 4,879 |
| Memoranda: | ||
| Average total assets | $488,224,500 | 1,451 |
| Average earning assets | $476,798,500 | 1,394 |
| Average equity | $44,980,500 | 1,674 |
| Average total loans | $390,773,500 | 1,281 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,287 |
| Cost of funding earning assets | 0.4625% | 2,666 |
| Net interest margin | 3.8480% | 2,263 |
| Noninterest income to average assets | 0.3324% | 4,089 |
| Noninterest expense to average assets | 2.9984% | 2,171 |
| Loan and lease loss provision to assets | -0.2360% | 5,595 |
| Net operating income to assets | 0.3287% | 4,879 |
| Return on assets (ROA) | 0.3287% | 4,896 |
| Pretax return on assets | 1.3012% | 2,345 |
| Return on Equity (ROE) | 3.1805% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.1805% | 3,398 |
| Net charge-offs to loans | -0.1630% | 5,481 |
| Credit loss provision to net charge-offs | 186.7890% | 1,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7851% | 1,924 |
| Assets per employee ($millions) | 6.0617% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,949 |
| Loan loss allowance to noncurrent loans | 425.4049% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,897 |
| Noncurrent loans to loans | 0.3186% | 3,636 |
| Net loans and leases to total assets | 76.8135% | 1,460 |
| Net loans and leases to deposits | 91.7247% | 1,566 |
| Net loans and leases to core deposits | 104.4848% | 1,380 |
| Total domestic deposits to total assets | 83.7435% | 3,297 |
| Equity capital to assets | 9.4636% | 4,259 |
| Core capital (leverage) ratio | 8.9627% | 4,693 |
| Tier 1 risk-based capital ratio | 12.6011% | 4,146 |
| Total risk-based capital ratio | 13.8593% | 4,029 |
| Memoranda: | ||
| Average total assets | $431,433,800 | 1,607 |
| Average earning assets | $418,348,400 | 1,537 |
| Average equity | $44,584,800 | 1,673 |
| Average total loans | $334,455,400 | 1,432 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,347 |
| Cost of funding earning assets | 0.4411% | 2,801 |
| Net interest margin | 3.8317% | 2,280 |
| Noninterest income to average assets | 0.3280% | 4,192 |
| Noninterest expense to average assets | 3.0172% | 2,070 |
| Loan and lease loss provision to assets | -0.1251% | 5,616 |
| Net operating income to assets | 0.7188% | 3,876 |
| Return on assets (ROA) | 0.7188% | 3,938 |
| Pretax return on assets | 1.1440% | 3,138 |
| Return on Equity (ROE) | 6.7945% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.7945% | 1,799 |
| Net charge-offs to loans | -0.1031% | 5,391 |
| Credit loss provision to net charge-offs | 156.7460% | 1,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7548% | 1,782 |
| Assets per employee ($millions) | 5.8737% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,521 |
| Loan loss allowance to noncurrent loans | 455.8698% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 4,039 |
| Noncurrent loans to loans | 0.3299% | 3,768 |
| Net loans and leases to total assets | 76.0556% | 1,585 |
| Net loans and leases to deposits | 88.1332% | 2,039 |
| Net loans and leases to core deposits | 100.1428% | 1,694 |
| Total domestic deposits to total assets | 86.2963% | 2,181 |
| Equity capital to assets | 9.9842% | 3,926 |
| Core capital (leverage) ratio | 8.7456% | 5,022 |
| Tier 1 risk-based capital ratio | 12.5058% | 4,307 |
| Total risk-based capital ratio | 13.7693% | 4,213 |
| Memoranda: | ||
| Average total assets | $421,088,750 | 1,641 |
| Average earning assets | $407,497,750 | 1,584 |
| Average equity | $44,544,750 | 1,687 |
| Average total loans | $326,025,500 | 1,472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 2,921 |
| Cost of funding earning assets | 0.4092% | 2,984 |
| Net interest margin | 3.6648% | 2,772 |
| Noninterest income to average assets | 0.3171% | 4,277 |
| Noninterest expense to average assets | 3.0788% | 1,889 |
| Loan and lease loss provision to assets | -0.1933% | 5,702 |
| Net operating income to assets | 0.6146% | 4,238 |
| Return on assets (ROA) | 0.6146% | 4,284 |
| Pretax return on assets | 0.9723% | 3,683 |
| Return on Equity (ROE) | 5.6903% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.6903% | 2,303 |
| Net charge-offs to loans | -0.1490% | 5,520 |
| Credit loss provision to net charge-offs | 167.3729% | 1,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8072% | 1,227 |
| Assets per employee ($millions) | 6.0277% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,249 |
| Loan loss allowance to noncurrent loans | 442.3686% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 4,048 |
| Noncurrent loans to loans | 0.3631% | 3,725 |
| Net loans and leases to total assets | 72.8327% | 2,072 |
| Net loans and leases to deposits | 84.5809% | 2,394 |
| Net loans and leases to core deposits | 96.4292% | 1,936 |
| Total domestic deposits to total assets | 86.1101% | 2,330 |
| Equity capital to assets | 10.0592% | 3,842 |
| Core capital (leverage) ratio | 8.8047% | 4,944 |
| Tier 1 risk-based capital ratio | 13.1598% | 3,912 |
| Total risk-based capital ratio | 14.4265% | 3,799 |
| Memoranda: | ||
| Average total assets | $408,736,670 | 1,684 |
| Average earning assets | $394,894,670 | 1,629 |
| Average equity | $44,145,670 | 1,698 |
| Average total loans | $316,779,000 | 1,497 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 2,698 |
| Cost of funding earning assets | 0.3608% | 3,409 |
| Net interest margin | 3.7267% | 2,391 |
| Noninterest income to average assets | 0.3035% | 4,389 |
| Noninterest expense to average assets | 3.1030% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5137% | 4,544 |
| Return on assets (ROA) | 0.5137% | 4,574 |
| Pretax return on assets | 0.7916% | 4,134 |
| Return on Equity (ROE) | 4.5770% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.5770% | 3,138 |
| Net charge-offs to loans | -0.0877% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6735% | 1,419 |
| Assets per employee ($millions) | 5.3436% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 1,037 |
| Loan loss allowance to noncurrent loans | 430.6854% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 3,615 |
| Noncurrent loans to loans | 0.4084% | 3,627 |
| Net loans and leases to total assets | 76.0492% | 1,411 |
| Net loans and leases to deposits | 89.4389% | 1,609 |
| Net loans and leases to core deposits | 98.3511% | 1,634 |
| Total domestic deposits to total assets | 85.0292% | 3,076 |
| Equity capital to assets | 10.8493% | 2,797 |
| Core capital (leverage) ratio | 9.4342% | 4,192 |
| Tier 1 risk-based capital ratio | 14.1233% | 3,400 |
| Total risk-based capital ratio | 15.3941% | 3,310 |
| Memoranda: | ||
| Average total assets | $390,079,500 | 1,772 |
| Average earning assets | $375,882,000 | 1,708 |
| Average equity | $43,784,000 | 1,717 |
| Average total loans | $310,081,000 | 1,529 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 1,628 |
| Cost of funding earning assets | 0.2689% | 4,380 |
| Net interest margin | 4.2023% | 1,110 |
| Noninterest income to average assets | 0.3072% | 4,540 |
| Noninterest expense to average assets | 3.8711% | 715 |
| Loan and lease loss provision to assets | -0.4331% | 5,868 |
| Net operating income to assets | 0.5397% | 4,481 |
| Return on assets (ROA) | 0.5809% | 4,397 |
| Pretax return on assets | 0.9410% | 3,690 |
| Return on Equity (ROE) | 4.7616% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.7616% | 2,500 |
| Net charge-offs to loans | 0.0353% | 3,321 |
| Credit loss provision to net charge-offs | -1,546.3918% | 5,353 |
| Earnings coverage of net charge-offs (x) | 15.8351% | 2,164 |
| Efficiency ratio | 89.7209% | 574 |
| Assets per employee ($millions) | 5.1951% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 970 |
| Loan loss allowance to noncurrent loans | 370.3729% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,339 |
| Noncurrent loans to loans | 0.4824% | 3,425 |
| Net loans and leases to total assets | 80.2905% | 856 |
| Net loans and leases to deposits | 95.7632% | 1,021 |
| Net loans and leases to core deposits | 107.8599% | 1,030 |
| Total domestic deposits to total assets | 83.8427% | 3,487 |
| Equity capital to assets | 11.6317% | 2,059 |
| Core capital (leverage) ratio | 9.9703% | 3,520 |
| Tier 1 risk-based capital ratio | 14.2526% | 3,315 |
| Total risk-based capital ratio | 15.5335% | 3,227 |
| Memoranda: | ||
| Average total assets | $346,332,600 | 1,917 |
| Average earning assets | $330,272,800 | 1,871 |
| Average equity | $42,254,800 | 1,750 |
| Average total loans | $274,835,600 | 1,645 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 1,737 |
| Cost of funding earning assets | 0.2593% | 4,517 |
| Net interest margin | 4.1777% | 1,186 |
| Noninterest income to average assets | 0.2876% | 4,715 |
| Noninterest expense to average assets | 3.9460% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1960% | 5,468 |
| Return on assets (ROA) | 0.2510% | 5,458 |
| Pretax return on assets | 0.4023% | 5,302 |
| Return on Equity (ROE) | 2.0314% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.0314% | 4,675 |
| Net charge-offs to loans | 0.0329% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.1967% | 2,412 |
| Efficiency ratio | 92.5806% | 443 |
| Assets per employee ($millions) | 4.9927% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4017% | 377 |
| Loan loss allowance to noncurrent loans | 180.0515% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 1,861 |
| Noncurrent loans to loans | 1.3339% | 1,656 |
| Net loans and leases to total assets | 80.1909% | 865 |
| Net loans and leases to deposits | 91.5819% | 1,554 |
| Net loans and leases to core deposits | 103.8654% | 1,352 |
| Total domestic deposits to total assets | 87.5619% | 1,633 |
| Equity capital to assets | 11.9526% | 2,155 |
| Core capital (leverage) ratio | 9.6630% | 3,980 |
| Tier 1 risk-based capital ratio | 14.3055% | 3,391 |
| Total risk-based capital ratio | 15.5996% | 3,304 |
| Memoranda: | ||
| Average total assets | $339,403,750 | 1,957 |
| Average earning assets | $322,910,750 | 1,912 |
| Average equity | $41,941,500 | 1,772 |
| Average total loans | $267,097,500 | 1,692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 1,867 |
| Cost of funding earning assets | 0.2595% | 4,555 |
| Net interest margin | 4.1261% | 1,308 |
| Noninterest income to average assets | 0.2721% | 4,833 |
| Noninterest expense to average assets | 4.2030% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0156% | 5,774 |
| Return on assets (ROA) | 0.0586% | 5,749 |
| Pretax return on assets | 0.0939% | 5,732 |
| Return on Equity (ROE) | 0.4689% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.4689% | 5,162 |
| Net charge-offs to loans | -0.2494% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5293% | 233 |
| Assets per employee ($millions) | 4.9604% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8020% | 252 |
| Loan loss allowance to noncurrent loans | 145.8803% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5256% | 1,242 |
| Noncurrent loans to loans | 1.9208% | 1,052 |
| Net loans and leases to total assets | 72.7190% | 2,051 |
| Net loans and leases to deposits | 82.9279% | 2,597 |
| Net loans and leases to core deposits | 91.2575% | 2,408 |
| Total domestic deposits to total assets | 87.6895% | 1,581 |
| Equity capital to assets | 11.8942% | 2,204 |
| Core capital (leverage) ratio | 9.5555% | 4,126 |
| Tier 1 risk-based capital ratio | 15.5609% | 2,836 |
| Total risk-based capital ratio | 16.8667% | 2,757 |
| Memoranda: | ||
| Average total assets | $334,377,330 | 1,993 |
| Average earning assets | $316,762,000 | 1,951 |
| Average equity | $41,798,670 | 1,774 |
| Average total loans | $259,044,000 | 1,747 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 1,625 |
| Cost of funding earning assets | 0.2705% | 4,492 |
| Net interest margin | 4.1906% | 1,118 |
| Noninterest income to average assets | 0.2605% | 4,867 |
| Noninterest expense to average assets | 4.5276% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2064% | 5,887 |
| Return on assets (ROA) | -0.0860% | 5,856 |
| Pretax return on assets | -0.1376% | 5,877 |
| Return on Equity (ROE) | -0.6706% | 5,855 |
| Retained earnings to average equity (ytd only) | -0.6706% | 5,232 |
| Net charge-offs to loans | -0.9158% | 6,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7508% | 179 |
| Assets per employee ($millions) | 4.6213% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8102% | 274 |
| Loan loss allowance to noncurrent loans | 111.3587% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 776 |
| Noncurrent loans to loans | 2.5235% | 736 |
| Net loans and leases to total assets | 79.4844% | 889 |
| Net loans and leases to deposits | 91.3904% | 1,419 |
| Net loans and leases to core deposits | 102.1333% | 1,323 |
| Total domestic deposits to total assets | 86.9724% | 2,224 |
| Equity capital to assets | 12.5296% | 1,664 |
| Core capital (leverage) ratio | 9.9102% | 3,652 |
| Tier 1 risk-based capital ratio | 14.5373% | 3,373 |
| Total risk-based capital ratio | 15.8391% | 3,282 |
| Memoranda: | ||
| Average total assets | $325,472,500 | 2,054 |
| Average earning assets | $306,111,000 | 2,017 |
| Average equity | $41,753,000 | 1,771 |
| Average total loans | $256,821,000 | 1,751 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 2,773 |
| Cost of funding earning assets | 0.3042% | 4,202 |
| Net interest margin | 3.8360% | 2,255 |
| Noninterest income to average assets | 0.7523% | 1,972 |
| Noninterest expense to average assets | 4.6319% | 375 |
| Loan and lease loss provision to assets | 0.0454% | 3,419 |
| Net operating income to assets | -0.2488% | 5,982 |
| Return on assets (ROA) | -0.1948% | 5,975 |
| Pretax return on assets | -0.2985% | 5,985 |
| Return on Equity (ROE) | -1.4692% | 5,957 |
| Retained earnings to average equity (ytd only) | -1.4692% | 5,706 |
| Net charge-offs to loans | 0.0680% | 2,880 |
| Credit loss provision to net charge-offs | 94.7712% | 2,658 |
| Earnings coverage of net charge-offs (x) | -7.0131% | 4,416 |
| Efficiency ratio | 107.8236% | 160 |
| Assets per employee ($millions) | 4.6118% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9231% | 248 |
| Loan loss allowance to noncurrent loans | 102.8855% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.2545% | 741 |
| Noncurrent loans to loans | 2.8411% | 590 |
| Net loans and leases to total assets | 73.6818% | 1,777 |
| Net loans and leases to deposits | 85.4144% | 2,197 |
| Net loans and leases to core deposits | 95.5615% | 1,890 |
| Total domestic deposits to total assets | 86.2639% | 2,511 |
| Equity capital to assets | 13.1409% | 1,284 |
| Core capital (leverage) ratio | 10.1674% | 3,299 |
| Tier 1 risk-based capital ratio | 16.4349% | 2,517 |
| Total risk-based capital ratio | 17.7543% | 2,437 |
| Memoranda: | ||
| Average total assets | $319,266,600 | 2,050 |
| Average earning assets | $294,919,400 | 2,050 |
| Average equity | $42,335,800 | 1,720 |
| Average total loans | $225,143,000 | 1,893 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 2,673 |
| Cost of funding earning assets | 0.3079% | 4,245 |
| Net interest margin | 3.8647% | 2,142 |
| Noninterest income to average assets | 0.4465% | 3,746 |
| Noninterest expense to average assets | 4.3225% | 479 |
| Loan and lease loss provision to assets | 0.0605% | 2,971 |
| Net operating income to assets | -0.2424% | 6,060 |
| Return on assets (ROA) | -0.1807% | 6,053 |
| Pretax return on assets | -0.2896% | 6,083 |
| Return on Equity (ROE) | -1.3595% | 6,041 |
| Retained earnings to average equity (ytd only) | -1.3595% | 5,794 |
| Net charge-offs to loans | 0.0627% | 2,695 |
| Credit loss provision to net charge-offs | 139.4231% | 1,776 |
| Earnings coverage of net charge-offs (x) | -7.5001% | 4,137 |
| Efficiency ratio | 108.1428% | 163 |
| Assets per employee ($millions) | 4.7008% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1131% | 216 |
| Loan loss allowance to noncurrent loans | 138.0925% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.2044% | 866 |
| Noncurrent loans to loans | 2.2543% | 959 |
| Net loans and leases to total assets | 71.3141% | 2,172 |
| Net loans and leases to deposits | 83.1437% | 2,514 |
| Net loans and leases to core deposits | 93.7691% | 2,098 |
| Total domestic deposits to total assets | 85.7721% | 2,657 |
| Equity capital to assets | 13.5768% | 1,193 |
| Core capital (leverage) ratio | 10.7383% | 2,782 |
| Tier 1 risk-based capital ratio | 17.5487% | 2,171 |
| Total risk-based capital ratio | 18.8717% | 2,110 |
| Memoranda: | ||
| Average total assets | $319,530,000 | 2,061 |
| Average earning assets | $293,559,250 | 2,068 |
| Average equity | $42,465,750 | 1,737 |
| Average total loans | $221,047,500 | 1,923 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 2,571 |
| Cost of funding earning assets | 0.3141% | 4,230 |
| Net interest margin | 3.8768% | 2,055 |
| Noninterest income to average assets | 0.5269% | 3,188 |
| Noninterest expense to average assets | 4.0369% | 648 |
| Loan and lease loss provision to assets | 0.0899% | 2,316 |
| Net operating income to assets | -0.0403% | 6,019 |
| Return on assets (ROA) | -0.0403% | 6,050 |
| Pretax return on assets | -0.0645% | 6,054 |
| Return on Equity (ROE) | -0.3053% | 6,049 |
| Retained earnings to average equity (ytd only) | -0.3053% | 5,570 |
| Net charge-offs to loans | 0.0988% | 2,024 |
| Credit loss provision to net charge-offs | 134.2593% | 1,658 |
| Earnings coverage of net charge-offs (x) | 0.3796% | 3,665 |
| Efficiency ratio | 99.3743% | 339 |
| Assets per employee ($millions) | 4.2147% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4431% | 167 |
| Loan loss allowance to noncurrent loans | 178.4028% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 1,264 |
| Noncurrent loans to loans | 1.9300% | 1,291 |
| Net loans and leases to total assets | 63.8763% | 3,278 |
| Net loans and leases to deposits | 74.5979% | 3,426 |
| Net loans and leases to core deposits | 84.9021% | 2,892 |
| Total domestic deposits to total assets | 85.6275% | 2,866 |
| Equity capital to assets | 13.6287% | 1,118 |
| Core capital (leverage) ratio | 10.8161% | 2,598 |
| Tier 1 risk-based capital ratio | 18.7784% | 1,848 |
| Total risk-based capital ratio | 20.1050% | 1,795 |
| Memoranda: | ||
| Average total assets | $322,623,330 | 2,060 |
| Average earning assets | $294,215,330 | 2,076 |
| Average equity | $42,580,330 | 1,734 |
| Average total loans | $218,609,670 | 1,950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,381 |
| Cost of funding earning assets | 0.3145% | 4,285 |
| Net interest margin | 3.9061% | 1,875 |
| Noninterest income to average assets | 0.5976% | 2,662 |
| Noninterest expense to average assets | 3.8928% | 778 |
| Loan and lease loss provision to assets | 0.1159% | 1,781 |
| Net operating income to assets | 0.0927% | 5,890 |
| Return on assets (ROA) | 0.0927% | 5,946 |
| Pretax return on assets | 0.1488% | 5,899 |
| Return on Equity (ROE) | 0.7133% | 5,957 |
| Retained earnings to average equity (ytd only) | 0.7133% | 5,164 |
| Net charge-offs to loans | -0.0392% | 5,395 |
| Credit loss provision to net charge-offs | -431.8182% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6345% | 611 |
| Assets per employee ($millions) | 4.1509% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2265% | 234 |
| Loan loss allowance to noncurrent loans | 220.8052% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.5273% | 1,705 |
| Noncurrent loans to loans | 1.4612% | 1,945 |
| Net loans and leases to total assets | 66.5598% | 2,681 |
| Net loans and leases to deposits | 77.4304% | 2,888 |
| Net loans and leases to core deposits | 89.9308% | 2,137 |
| Total domestic deposits to total assets | 85.9608% | 2,964 |
| Equity capital to assets | 13.1846% | 1,310 |
| Core capital (leverage) ratio | 10.5250% | 2,929 |
| Tier 1 risk-based capital ratio | 17.5195% | 2,292 |
| Total risk-based capital ratio | 18.8391% | 2,230 |
| Memoranda: | ||
| Average total assets | $327,991,500 | 2,033 |
| Average earning assets | $298,916,500 | 2,058 |
| Average equity | $42,617,500 | 1,744 |
| Average total loans | $224,751,500 | 1,913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 2,757 |
| Cost of funding earning assets | 0.3067% | 4,722 |
| Net interest margin | 3.9504% | 2,048 |
| Noninterest income to average assets | 0.5029% | 3,480 |
| Noninterest expense to average assets | 4.1125% | 676 |
| Loan and lease loss provision to assets | 0.0172% | 4,264 |
| Net operating income to assets | -0.0135% | 6,104 |
| Return on assets (ROA) | 0.0494% | 6,046 |
| Pretax return on assets | 0.1022% | 5,989 |
| Return on Equity (ROE) | 0.4023% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.4023% | 5,593 |
| Net charge-offs to loans | 1.0875% | 263 |
| Credit loss provision to net charge-offs | 2.2945% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.0283% | 4,708 |
| Efficiency ratio | 99.4862% | 378 |
| Assets per employee ($millions) | 4.6140% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1157% | 263 |
| Loan loss allowance to noncurrent loans | 239.9660% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6493% | 1,636 |
| Noncurrent loans to loans | 1.2984% | 2,281 |
| Net loans and leases to total assets | 66.1474% | 2,858 |
| Net loans and leases to deposits | 76.7379% | 3,113 |
| Net loans and leases to core deposits | 88.8349% | 2,401 |
| Total domestic deposits to total assets | 86.1991% | 2,726 |
| Equity capital to assets | 12.8072% | 1,460 |
| Core capital (leverage) ratio | 9.7155% | 3,950 |
| Tier 1 risk-based capital ratio | 17.1096% | 2,470 |
| Total risk-based capital ratio | 18.3904% | 2,417 |
| Memoranda: | ||
| Average total assets | $348,398,400 | 1,869 |
| Average earning assets | $320,219,600 | 1,871 |
| Average equity | $42,753,800 | 1,684 |
| Average total loans | $240,454,800 | 1,759 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,895 |
| Cost of funding earning assets | 0.3054% | 4,835 |
| Net interest margin | 3.9226% | 2,147 |
| Noninterest income to average assets | 0.5217% | 3,397 |
| Noninterest expense to average assets | 3.6786% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2777% | 5,659 |
| Return on assets (ROA) | 0.3605% | 5,471 |
| Pretax return on assets | 0.5777% | 5,096 |
| Return on Equity (ROE) | 2.9684% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.9684% | 4,488 |
| Net charge-offs to loans | 0.5823% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.1127% | 4,227 |
| Efficiency ratio | 89.1374% | 915 |
| Assets per employee ($millions) | 4.5957% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5138% | 226 |
| Loan loss allowance to noncurrent loans | 43.5262% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 6.3496% | 203 |
| Noncurrent loans to loans | 8.0729% | 121 |
| Net loans and leases to total assets | 68.1848% | 2,501 |
| Net loans and leases to deposits | 78.4328% | 2,901 |
| Net loans and leases to core deposits | 90.6171% | 2,165 |
| Total domestic deposits to total assets | 86.9340% | 2,355 |
| Equity capital to assets | 12.5406% | 1,670 |
| Core capital (leverage) ratio | 9.9012% | 3,818 |
| Tier 1 risk-based capital ratio | 16.2117% | 2,949 |
| Total risk-based capital ratio | 17.4970% | 2,886 |
| Memoranda: | ||
| Average total assets | $352,445,250 | 1,862 |
| Average earning assets | $323,930,750 | 1,865 |
| Average equity | $42,805,500 | 1,689 |
| Average total loans | $243,864,500 | 1,741 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,011 |
| Cost of funding earning assets | 0.2976% | 4,992 |
| Net interest margin | 3.8863% | 2,231 |
| Noninterest income to average assets | 0.5898% | 2,867 |
| Noninterest expense to average assets | 3.6002% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3566% | 5,385 |
| Return on assets (ROA) | 0.3566% | 5,452 |
| Pretax return on assets | 0.5718% | 5,051 |
| Return on Equity (ROE) | 2.9673% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.9673% | 4,318 |
| Net charge-offs to loans | 0.8567% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.9713% | 3,926 |
| Efficiency ratio | 86.2949% | 1,245 |
| Assets per employee ($millions) | 4.0645% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5321% | 243 |
| Loan loss allowance to noncurrent loans | 39.4147% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 6.7067% | 200 |
| Noncurrent loans to loans | 8.9613% | 97 |
| Net loans and leases to total assets | 65.5094% | 2,832 |
| Net loans and leases to deposits | 74.9677% | 3,199 |
| Net loans and leases to core deposits | 87.0996% | 2,411 |
| Total domestic deposits to total assets | 87.3835% | 2,254 |
| Equity capital to assets | 12.0540% | 1,937 |
| Core capital (leverage) ratio | 9.8044% | 3,880 |
| Tier 1 risk-based capital ratio | 15.6998% | 3,246 |
| Total risk-based capital ratio | 16.9844% | 3,170 |
| Memoranda: | ||
| Average total assets | $355,033,330 | 1,849 |
| Average earning assets | $327,249,670 | 1,839 |
| Average equity | $42,665,670 | 1,673 |
| Average total loans | $243,959,670 | 1,730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,262 |
| Cost of funding earning assets | 0.2926% | 5,151 |
| Net interest margin | 3.8116% | 2,421 |
| Noninterest income to average assets | 0.4173% | 4,050 |
| Noninterest expense to average assets | 3.5452% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2533% | 5,654 |
| Return on assets (ROA) | 0.2533% | 5,695 |
| Pretax return on assets | 0.4071% | 5,432 |
| Return on Equity (ROE) | 2.1111% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.1111% | 4,754 |
| Net charge-offs to loans | 0.0164% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 937 |
| Efficiency ratio | 89.6996% | 1,064 |
| Assets per employee ($millions) | 4.0774% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9347% | 199 |
| Loan loss allowance to noncurrent loans | 34.6650% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 8.6433% | 144 |
| Noncurrent loans to loans | 11.3506% | 76 |
| Net loans and leases to total assets | 67.7260% | 2,265 |
| Net loans and leases to deposits | 77.7051% | 2,604 |
| Net loans and leases to core deposits | 89.6520% | 1,941 |
| Total domestic deposits to total assets | 87.1577% | 2,727 |
| Equity capital to assets | 12.3059% | 1,685 |
| Core capital (leverage) ratio | 9.5560% | 4,199 |
| Tier 1 risk-based capital ratio | 15.0439% | 3,694 |
| Total risk-based capital ratio | 16.3331% | 3,623 |
| Memoranda: | ||
| Average total assets | $353,713,000 | 1,859 |
| Average earning assets | $328,055,500 | 1,835 |
| Average equity | $42,441,500 | 1,683 |
| Average total loans | $244,495,000 | 1,724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,875 |
| Cost of funding earning assets | 0.3189% | 5,433 |
| Net interest margin | 3.7436% | 2,883 |
| Noninterest income to average assets | 0.3966% | 4,473 |
| Noninterest expense to average assets | 3.5813% | 1,482 |
| Loan and lease loss provision to assets | 0.2160% | 1,693 |
| Net operating income to assets | 0.0442% | 6,144 |
| Return on assets (ROA) | 0.0757% | 6,137 |
| Pretax return on assets | 0.1886% | 5,967 |
| Return on Equity (ROE) | 0.6219% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.6219% | 5,553 |
| Net charge-offs to loans | 1.7132% | 250 |
| Credit loss provision to net charge-offs | 18.8774% | 4,468 |
| Earnings coverage of net charge-offs (x) | 0.3106% | 4,979 |
| Efficiency ratio | 90.9723% | 954 |
| Assets per employee ($millions) | 4.1959% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9338% | 208 |
| Loan loss allowance to noncurrent loans | 36.2554% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.9721% | 188 |
| Noncurrent loans to loans | 10.8502% | 93 |
| Net loans and leases to total assets | 65.1323% | 2,837 |
| Net loans and leases to deposits | 74.1784% | 3,234 |
| Net loans and leases to core deposits | 85.5147% | 2,506 |
| Total domestic deposits to total assets | 87.8050% | 2,302 |
| Equity capital to assets | 11.7039% | 2,029 |
| Core capital (leverage) ratio | 9.2999% | 4,547 |
| Tier 1 risk-based capital ratio | 14.8085% | 3,776 |
| Total risk-based capital ratio | 16.0982% | 3,701 |
| Memoranda: | ||
| Average total assets | $347,223,400 | 1,859 |
| Average earning assets | $328,349,000 | 1,808 |
| Average equity | $42,288,800 | 1,659 |
| Average total loans | $231,906,200 | 1,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 3,814 |
| Cost of funding earning assets | 0.3205% | 5,548 |
| Net interest margin | 3.7673% | 2,772 |
| Noninterest income to average assets | 0.4188% | 4,378 |
| Noninterest expense to average assets | 3.6580% | 1,312 |
| Loan and lease loss provision to assets | 0.0388% | 4,233 |
| Net operating income to assets | 0.1802% | 5,963 |
| Return on assets (ROA) | 0.2226% | 5,939 |
| Pretax return on assets | 0.3572% | 5,725 |
| Return on Equity (ROE) | 1.8091% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.8091% | 5,233 |
| Net charge-offs to loans | 0.2495% | 2,319 |
| Credit loss provision to net charge-offs | 23.3645% | 4,006 |
| Earnings coverage of net charge-offs (x) | 1.9860% | 4,163 |
| Efficiency ratio | 91.7339% | 871 |
| Assets per employee ($millions) | 4.1569% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2369% | 98 |
| Loan loss allowance to noncurrent loans | 53.0224% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 7.4863% | 257 |
| Noncurrent loans to loans | 9.8768% | 140 |
| Net loans and leases to total assets | 65.6480% | 2,697 |
| Net loans and leases to deposits | 75.3672% | 3,037 |
| Net loans and leases to core deposits | 85.4990% | 2,467 |
| Total domestic deposits to total assets | 87.1042% | 2,633 |
| Equity capital to assets | 12.3164% | 1,697 |
| Core capital (leverage) ratio | 9.3827% | 4,554 |
| Tier 1 risk-based capital ratio | 15.7143% | 3,341 |
| Total risk-based capital ratio | 17.0242% | 3,272 |
| Memoranda: | ||
| Average total assets | $343,818,250 | 1,892 |
| Average earning assets | $325,711,000 | 1,832 |
| Average equity | $42,302,750 | 1,666 |
| Average total loans | $228,720,250 | 1,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,830 |
| Cost of funding earning assets | 0.3212% | 5,656 |
| Net interest margin | 3.7539% | 2,748 |
| Noninterest income to average assets | 0.4479% | 4,176 |
| Noninterest expense to average assets | 3.6777% | 1,288 |
| Loan and lease loss provision to assets | 0.0582% | 3,842 |
| Net operating income to assets | 0.1642% | 5,990 |
| Return on assets (ROA) | 0.1642% | 6,108 |
| Pretax return on assets | 0.2650% | 5,964 |
| Return on Equity (ROE) | 1.3353% | 6,138 |
| Retained earnings to average equity (ytd only) | 1.3353% | 5,356 |
| Net charge-offs to loans | 0.3764% | 1,702 |
| Credit loss provision to net charge-offs | 23.5849% | 3,679 |
| Earnings coverage of net charge-offs (x) | 1.3090% | 4,109 |
| Efficiency ratio | 91.9214% | 897 |
| Assets per employee ($millions) | 4.4004% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4391% | 90 |
| Loan loss allowance to noncurrent loans | 59.8929% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 6.5707% | 374 |
| Noncurrent loans to loans | 9.0813% | 197 |
| Net loans and leases to total assets | 61.8465% | 3,315 |
| Net loans and leases to deposits | 70.8947% | 3,600 |
| Net loans and leases to core deposits | 82.5056% | 2,752 |
| Total domestic deposits to total assets | 87.2372% | 2,693 |
| Equity capital to assets | 12.0327% | 1,895 |
| Core capital (leverage) ratio | 9.6103% | 4,064 |
| Tier 1 risk-based capital ratio | 15.5068% | 3,478 |
| Total risk-based capital ratio | 16.8167% | 3,398 |
| Memoranda: | ||
| Average total assets | $343,418,000 | 1,899 |
| Average earning assets | $325,046,000 | 1,843 |
| Average equity | $42,239,000 | 1,672 |
| Average total loans | $225,288,670 | 1,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,661 |
| Cost of funding earning assets | 0.3295% | 5,725 |
| Net interest margin | 3.7853% | 2,505 |
| Noninterest income to average assets | 0.5497% | 3,444 |
| Noninterest expense to average assets | 3.8123% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1923% | 5,917 |
| Return on assets (ROA) | 0.1923% | 6,027 |
| Pretax return on assets | 0.3149% | 5,824 |
| Return on Equity (ROE) | 1.5458% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.5458% | 5,213 |
| Net charge-offs to loans | 0.0790% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.0682% | 2,281 |
| Efficiency ratio | 92.3692% | 954 |
| Assets per employee ($millions) | 4.1999% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7420% | 88 |
| Loan loss allowance to noncurrent loans | 82.9758% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 5.2540% | 671 |
| Noncurrent loans to loans | 6.9201% | 433 |
| Net loans and leases to total assets | 62.5571% | 2,960 |
| Net loans and leases to deposits | 71.9393% | 3,187 |
| Net loans and leases to core deposits | 84.4853% | 2,265 |
| Total domestic deposits to total assets | 86.9582% | 2,985 |
| Equity capital to assets | 12.5790% | 1,664 |
| Core capital (leverage) ratio | 9.7708% | 3,696 |
| Tier 1 risk-based capital ratio | 15.6252% | 3,462 |
| Total risk-based capital ratio | 16.9381% | 3,398 |
| Memoranda: | ||
| Average total assets | $339,111,500 | 1,939 |
| Average earning assets | $320,499,000 | 1,893 |
| Average equity | $42,179,000 | 1,693 |
| Average total loans | $222,812,000 | 1,847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 4,022 |
| Cost of funding earning assets | 0.4152% | 5,818 |
| Net interest margin | 3.9363% | 2,666 |
| Noninterest income to average assets | 1.7270% | 548 |
| Noninterest expense to average assets | 3.5482% | 1,722 |
| Loan and lease loss provision to assets | 1.8170% | 138 |
| Net operating income to assets | 0.0444% | 6,095 |
| Return on assets (ROA) | 0.0617% | 6,216 |
| Pretax return on assets | 0.0990% | 6,164 |
| Return on Equity (ROE) | 0.5576% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.5576% | 5,574 |
| Net charge-offs to loans | 2.8734% | 188 |
| Credit loss provision to net charge-offs | 92.2573% | 3,381 |
| Earnings coverage of net charge-offs (x) | 0.9592% | 4,985 |
| Efficiency ratio | 65.2575% | 4,655 |
| Assets per employee ($millions) | 4.1233% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7704% | 77 |
| Loan loss allowance to noncurrent loans | 71.2772% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 5.9158% | 591 |
| Noncurrent loans to loans | 8.0958% | 359 |
| Net loans and leases to total assets | 61.2996% | 3,370 |
| Net loans and leases to deposits | 70.2429% | 3,674 |
| Net loans and leases to core deposits | 81.3056% | 2,848 |
| Total domestic deposits to total assets | 87.2681% | 2,664 |
| Equity capital to assets | 12.2998% | 1,860 |
| Core capital (leverage) ratio | 9.3385% | 4,345 |
| Tier 1 risk-based capital ratio | 15.3700% | 3,501 |
| Total risk-based capital ratio | 16.6822% | 3,431 |
| Memoranda: | ||
| Average total assets | $356,742,000 | 1,820 |
| Average earning assets | $336,257,000 | 1,765 |
| Average equity | $39,454,400 | 1,763 |
| Average total loans | $244,515,400 | 1,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 3,796 |
| Cost of funding earning assets | 0.4381% | 5,879 |
| Net interest margin | 4.0184% | 2,429 |
| Noninterest income to average assets | 1.7474% | 515 |
| Noninterest expense to average assets | 3.4061% | 1,988 |
| Loan and lease loss provision to assets | 2.1255% | 99 |
| Net operating income to assets | 0.0000% | 6,279 |
| Return on assets (ROA) | 0.0000% | 6,405 |
| Pretax return on assets | 0.0000% | 6,390 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,070 |
| Net charge-offs to loans | 3.2108% | 159 |
| Credit loss provision to net charge-offs | 95.4319% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.9543% | 4,846 |
| Efficiency ratio | 61.5745% | 5,223 |
| Assets per employee ($millions) | 4.2116% | 3,446 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6314% | 93 |
| Loan loss allowance to noncurrent loans | 53.7239% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 7.9586% | 395 |
| Noncurrent loans to loans | 10.4822% | 224 |
| Net loans and leases to total assets | 64.4187% | 2,950 |
| Net loans and leases to deposits | 73.6625% | 3,345 |
| Net loans and leases to core deposits | 84.7940% | 2,604 |
| Total domestic deposits to total assets | 87.4512% | 2,380 |
| Equity capital to assets | 12.1830% | 2,126 |
| Core capital (leverage) ratio | 9.1200% | 4,880 |
| Tier 1 risk-based capital ratio | 13.8408% | 4,665 |
| Total risk-based capital ratio | 15.1466% | 4,571 |
| Memoranda: | ||
| Average total assets | $360,369,000 | 1,829 |
| Average earning assets | $339,366,250 | 1,776 |
| Average equity | $38,794,500 | 1,808 |
| Average total loans | $249,985,500 | 1,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 3,865 |
| Cost of funding earning assets | 0.4659% | 5,862 |
| Net interest margin | 4.0109% | 2,458 |
| Noninterest income to average assets | 1.6119% | 573 |
| Noninterest expense to average assets | 3.3492% | 2,158 |
| Loan and lease loss provision to assets | 2.0416% | 139 |
| Net operating income to assets | 0.0000% | 6,317 |
| Return on assets (ROA) | 0.0000% | 6,454 |
| Pretax return on assets | 0.0000% | 6,445 |
| Return on Equity (ROE) | 0.0000% | 6,455 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | 3.7976% | 126 |
| Credit loss provision to net charge-offs | 77.1164% | 3,403 |
| Earnings coverage of net charge-offs (x) | 0.7712% | 4,672 |
| Efficiency ratio | 62.1283% | 5,228 |
| Assets per employee ($millions) | 4.6172% | 2,691 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1354% | 148 |
| Loan loss allowance to noncurrent loans | 39.3016% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 8.9479% | 342 |
| Noncurrent loans to loans | 13.0668% | 140 |
| Net loans and leases to total assets | 60.6486% | 3,693 |
| Net loans and leases to deposits | 68.4665% | 4,126 |
| Net loans and leases to core deposits | 78.2014% | 3,481 |
| Total domestic deposits to total assets | 88.5815% | 1,768 |
| Equity capital to assets | 11.0276% | 3,083 |
| Core capital (leverage) ratio | 8.9869% | 4,937 |
| Tier 1 risk-based capital ratio | 13.6719% | 4,696 |
| Total risk-based capital ratio | 14.9709% | 4,622 |
| Memoranda: | ||
| Average total assets | $366,778,670 | 1,796 |
| Average earning assets | $345,558,000 | 1,746 |
| Average equity | $37,872,330 | 1,844 |
| Average total loans | $255,690,000 | 1,629 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6910% | 3,088 |
| Cost of funding earning assets | 0.5070% | 5,769 |
| Net interest margin | 4.1840% | 1,799 |
| Noninterest income to average assets | 1.4098% | 727 |
| Noninterest expense to average assets | 3.4265% | 1,942 |
| Loan and lease loss provision to assets | 1.9187% | 156 |
| Net operating income to assets | 0.0000% | 6,411 |
| Return on assets (ROA) | 0.0000% | 6,525 |
| Pretax return on assets | 0.0000% | 6,526 |
| Return on Equity (ROE) | 0.0000% | 6,526 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 1.2440% | 816 |
| Credit loss provision to net charge-offs | 212.1803% | 1,285 |
| Earnings coverage of net charge-offs (x) | 2.1218% | 3,306 |
| Efficiency ratio | 64.1047% | 4,901 |
| Assets per employee ($millions) | 4.5958% | 2,816 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5391% | 110 |
| Loan loss allowance to noncurrent loans | 34.4561% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 11.9010% | 210 |
| Noncurrent loans to loans | 16.0759% | 98 |
| Net loans and leases to total assets | 66.3785% | 2,394 |
| Net loans and leases to deposits | 75.1796% | 2,947 |
| Net loans and leases to core deposits | 88.4073% | 2,004 |
| Total domestic deposits to total assets | 88.2932% | 2,138 |
| Equity capital to assets | 11.2510% | 2,676 |
| Core capital (leverage) ratio | 8.9815% | 4,871 |
| Tier 1 risk-based capital ratio | 13.4425% | 4,866 |
| Total risk-based capital ratio | 14.7511% | 4,812 |
| Memoranda: | ||
| Average total assets | $363,169,500 | 1,821 |
| Average earning assets | $341,590,500 | 1,769 |
| Average equity | $36,187,000 | 1,921 |
| Average total loans | $263,983,500 | 1,586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 4,246 |
| Cost of funding earning assets | 0.6763% | 5,676 |
| Net interest margin | 4.0244% | 2,765 |
| Noninterest income to average assets | 0.8761% | 1,755 |
| Noninterest expense to average assets | 3.3958% | 2,253 |
| Loan and lease loss provision to assets | 4.0329% | 51 |
| Net operating income to assets | -1.6991% | 6,960 |
| Return on assets (ROA) | -1.5925% | 6,947 |
| Pretax return on assets | -2.5533% | 7,127 |
| Return on Equity (ROE) | -19.4086% | 6,976 |
| Retained earnings to average equity (ytd only) | -19.4086% | 6,961 |
| Net charge-offs to loans | 4.8633% | 87 |
| Credit loss provision to net charge-offs | 116.7765% | 2,766 |
| Earnings coverage of net charge-offs (x) | 0.3802% | 5,533 |
| Efficiency ratio | 72.1146% | 3,556 |
| Assets per employee ($millions) | 4.5402% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9665% | 179 |
| Loan loss allowance to noncurrent loans | 34.6873% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 11.3820% | 248 |
| Noncurrent loans to loans | 14.3180% | 145 |
| Net loans and leases to total assets | 71.4341% | 1,740 |
| Net loans and leases to deposits | 78.5936% | 2,745 |
| Net loans and leases to core deposits | 92.7865% | 1,814 |
| Total domestic deposits to total assets | 90.8906% | 546 |
| Equity capital to assets | 8.6452% | 5,964 |
| Core capital (leverage) ratio | 5.8445% | 7,070 |
| Tier 1 risk-based capital ratio | 8.6115% | 7,071 |
| Total risk-based capital ratio | 9.9126% | 7,067 |
| Memoranda: | ||
| Average total assets | $426,319,000 | 1,529 |
| Average earning assets | $406,021,000 | 1,466 |
| Average equity | $34,979,400 | 1,923 |
| Average total loans | $302,734,000 | 1,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 4,315 |
| Cost of funding earning assets | 0.7074% | 5,710 |
| Net interest margin | 4.0240% | 2,811 |
| Noninterest income to average assets | 0.6738% | 2,746 |
| Noninterest expense to average assets | 3.3321% | 2,394 |
| Loan and lease loss provision to assets | 3.5379% | 80 |
| Net operating income to assets | -1.4708% | 7,034 |
| Return on assets (ROA) | -1.3416% | 7,019 |
| Pretax return on assets | -2.1511% | 7,148 |
| Return on Equity (ROE) | -16.5309% | 7,046 |
| Retained earnings to average equity (ytd only) | -16.5309% | 7,024 |
| Net charge-offs to loans | 5.1422% | 92 |
| Credit loss provision to net charge-offs | 98.0492% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.3284% | 5,364 |
| Efficiency ratio | 73.7680% | 3,227 |
| Assets per employee ($millions) | 4.6634% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7889% | 458 |
| Loan loss allowance to noncurrent loans | 24.5610% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 12.1129% | 223 |
| Noncurrent loans to loans | 15.4263% | 130 |
| Net loans and leases to total assets | 71.8426% | 1,747 |
| Net loans and leases to deposits | 80.3142% | 2,613 |
| Net loans and leases to core deposits | 96.1334% | 1,595 |
| Total domestic deposits to total assets | 89.4519% | 1,168 |
| Equity capital to assets | 8.8969% | 5,861 |
| Core capital (leverage) ratio | 6.2696% | 7,104 |
| Tier 1 risk-based capital ratio | 9.6276% | 7,034 |
| Total risk-based capital ratio | 10.9126% | 7,026 |
| Memoranda: | ||
| Average total assets | $443,230,500 | 1,486 |
| Average earning assets | $423,317,500 | 1,434 |
| Average equity | $35,972,250 | 1,882 |
| Average total loans | $311,016,250 | 1,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 4,162 |
| Cost of funding earning assets | 0.7458% | 5,695 |
| Net interest margin | 4.0359% | 2,668 |
| Noninterest income to average assets | 0.3630% | 4,971 |
| Noninterest expense to average assets | 3.0555% | 3,412 |
| Loan and lease loss provision to assets | 3.4503% | 113 |
| Net operating income to assets | -1.4267% | 7,073 |
| Return on assets (ROA) | -1.2420% | 7,027 |
| Pretax return on assets | -1.9911% | 7,159 |
| Return on Equity (ROE) | -15.7124% | 7,078 |
| Retained earnings to average equity (ytd only) | -15.7124% | 7,053 |
| Net charge-offs to loans | 6.3025% | 70 |
| Credit loss provision to net charge-offs | 79.3963% | 3,788 |
| Earnings coverage of net charge-offs (x) | 0.2694% | 5,109 |
| Efficiency ratio | 72.3008% | 3,672 |
| Assets per employee ($millions) | 4.9238% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0311% | 869 |
| Loan loss allowance to noncurrent loans | 25.9657% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 8.6695% | 494 |
| Noncurrent loans to loans | 11.6733% | 277 |
| Net loans and leases to total assets | 67.5647% | 2,699 |
| Net loans and leases to deposits | 75.0610% | 3,641 |
| Net loans and leases to core deposits | 93.6688% | 1,941 |
| Total domestic deposits to total assets | 90.0130% | 972 |
| Equity capital to assets | 8.4545% | 6,233 |
| Core capital (leverage) ratio | 6.3326% | 7,152 |
| Tier 1 risk-based capital ratio | 10.7016% | 6,714 |
| Total risk-based capital ratio | 11.9764% | 6,682 |
| Memoranda: | ||
| Average total assets | $465,061,670 | 1,441 |
| Average earning assets | $445,151,000 | 1,376 |
| Average equity | $36,760,670 | 1,820 |
| Average total loans | $320,667,330 | 1,349 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 3,547 |
| Cost of funding earning assets | 0.7638% | 5,778 |
| Net interest margin | 4.1444% | 2,097 |
| Noninterest income to average assets | 0.2941% | 5,564 |
| Noninterest expense to average assets | 2.8997% | 4,058 |
| Loan and lease loss provision to assets | 1.9290% | 287 |
| Net operating income to assets | -0.3548% | 6,706 |
| Return on assets (ROA) | -0.1687% | 6,546 |
| Pretax return on assets | -0.2703% | 6,598 |
| Return on Equity (ROE) | -2.2003% | 6,606 |
| Retained earnings to average equity (ytd only) | -2.2003% | 6,180 |
| Net charge-offs to loans | 2.1098% | 591 |
| Credit loss provision to net charge-offs | 133.2014% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.9446% | 3,945 |
| Efficiency ratio | 67.9463% | 4,661 |
| Assets per employee ($millions) | 5.3244% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4929% | 604 |
| Loan loss allowance to noncurrent loans | 43.5525% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 6.0489% | 951 |
| Noncurrent loans to loans | 8.0199% | 624 |
| Net loans and leases to total assets | 67.0929% | 2,735 |
| Net loans and leases to deposits | 74.5550% | 3,676 |
| Net loans and leases to core deposits | 98.3442% | 1,488 |
| Total domestic deposits to total assets | 89.9912% | 1,153 |
| Equity capital to assets | 7.9262% | 6,570 |
| Core capital (leverage) ratio | 6.6306% | 7,135 |
| Tier 1 risk-based capital ratio | 11.0886% | 6,443 |
| Total risk-based capital ratio | 12.3703% | 6,392 |
| Memoranda: | ||
| Average total assets | $488,330,000 | 1,380 |
| Average earning assets | $468,193,000 | 1,321 |
| Average equity | $37,449,000 | 1,776 |
| Average total loans | $335,194,000 | 1,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 6,222 |
| Cost of funding earning assets | 0.8037% | 6,547 |
| Net interest margin | 3.7554% | 4,131 |
| Noninterest income to average assets | -0.1147% | 7,403 |
| Noninterest expense to average assets | 2.6512% | 5,211 |
| Loan and lease loss provision to assets | 1.2374% | 1,252 |
| Net operating income to assets | -0.2578% | 6,174 |
| Return on assets (ROA) | -0.1770% | 6,143 |
| Pretax return on assets | -0.2835% | 6,149 |
| Return on Equity (ROE) | -2.3399% | 6,211 |
| Retained earnings to average equity (ytd only) | -2.3399% | 6,019 |
| Net charge-offs to loans | 1.5155% | 1,450 |
| Credit loss provision to net charge-offs | 126.1051% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.8435% | 5,287 |
| Efficiency ratio | 76.2089% | 3,024 |
| Assets per employee ($millions) | 5.4651% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2029% | 732 |
| Loan loss allowance to noncurrent loans | 41.4563% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 5.6809% | 1,078 |
| Noncurrent loans to loans | 7.7259% | 685 |
| Net loans and leases to total assets | 65.6393% | 3,537 |
| Net loans and leases to deposits | 72.4123% | 4,442 |
| Net loans and leases to core deposits | 103.0060% | 1,387 |
| Total domestic deposits to total assets | 90.6465% | 771 |
| Equity capital to assets | 7.4262% | 6,919 |
| Core capital (leverage) ratio | 6.4377% | 7,209 |
| Tier 1 risk-based capital ratio | 10.2669% | 6,837 |
| Total risk-based capital ratio | 11.5424% | 6,801 |
| Memoranda: | ||
| Average total assets | $511,806,000 | 1,308 |
| Average earning assets | $489,745,600 | 1,258 |
| Average equity | $38,720,000 | 1,708 |
| Average total loans | $331,376,400 | 1,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 6,609 |
| Cost of funding earning assets | 0.8083% | 6,734 |
| Net interest margin | 3.6912% | 4,452 |
| Noninterest income to average assets | 0.2643% | 6,003 |
| Noninterest expense to average assets | 2.5957% | 5,344 |
| Loan and lease loss provision to assets | 0.8149% | 1,856 |
| Net operating income to assets | 0.2378% | 5,400 |
| Return on assets (ROA) | 0.3169% | 5,272 |
| Pretax return on assets | 0.5081% | 4,898 |
| Return on Equity (ROE) | 4.1707% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.1707% | 3,541 |
| Net charge-offs to loans | 1.9859% | 954 |
| Credit loss provision to net charge-offs | 64.1224% | 5,588 |
| Earnings coverage of net charge-offs (x) | 0.9437% | 5,115 |
| Efficiency ratio | 68.3980% | 4,389 |
| Assets per employee ($millions) | 5.7208% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4005% | 1,472 |
| Loan loss allowance to noncurrent loans | 48.3972% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.6311% | 1,450 |
| Noncurrent loans to loans | 4.9600% | 1,405 |
| Net loans and leases to total assets | 60.6489% | 4,791 |
| Net loans and leases to deposits | 66.9566% | 5,552 |
| Net loans and leases to core deposits | 100.2295% | 1,830 |
| Total domestic deposits to total assets | 90.5794% | 603 |
| Equity capital to assets | 7.5455% | 7,100 |
| Core capital (leverage) ratio | 7.7101% | 6,665 |
| Tier 1 risk-based capital ratio | 12.1764% | 5,294 |
| Total risk-based capital ratio | 13.4399% | 5,251 |
| Memoranda: | ||
| Average total assets | $514,061,000 | 1,310 |
| Average earning assets | $491,720,250 | 1,264 |
| Average equity | $39,065,500 | 1,707 |
| Average total loans | $328,984,250 | 1,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 6,805 |
| Cost of funding earning assets | 0.8128% | 6,867 |
| Net interest margin | 3.6370% | 4,645 |
| Noninterest income to average assets | 0.2675% | 6,008 |
| Noninterest expense to average assets | 2.6076% | 5,292 |
| Loan and lease loss provision to assets | 0.6341% | 2,259 |
| Net operating income to assets | 0.3166% | 5,115 |
| Return on assets (ROA) | 0.3600% | 5,088 |
| Pretax return on assets | 0.5769% | 4,641 |
| Return on Equity (ROE) | 4.7259% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.7259% | 3,067 |
| Net charge-offs to loans | 1.4107% | 1,352 |
| Credit loss provision to net charge-offs | 69.5484% | 4,977 |
| Earnings coverage of net charge-offs (x) | 1.2538% | 4,567 |
| Efficiency ratio | 69.5211% | 4,279 |
| Assets per employee ($millions) | 5.6155% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6210% | 1,167 |
| Loan loss allowance to noncurrent loans | 54.7782% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.7235% | 1,370 |
| Noncurrent loans to loans | 4.7848% | 1,480 |
| Net loans and leases to total assets | 64.0184% | 4,259 |
| Net loans and leases to deposits | 70.7024% | 5,177 |
| Net loans and leases to core deposits | 105.8311% | 1,461 |
| Total domestic deposits to total assets | 90.3094% | 762 |
| Equity capital to assets | 7.5792% | 7,074 |
| Core capital (leverage) ratio | 7.6404% | 6,687 |
| Tier 1 risk-based capital ratio | 11.1739% | 6,068 |
| Total risk-based capital ratio | 12.4387% | 6,044 |
| Memoranda: | ||
| Average total assets | $509,977,000 | 1,326 |
| Average earning assets | $488,425,330 | 1,275 |
| Average equity | $38,849,670 | 1,710 |
| Average total loans | $329,627,670 | 1,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 7,093 |
| Cost of funding earning assets | 0.8297% | 7,001 |
| Net interest margin | 3.4961% | 5,175 |
| Noninterest income to average assets | 0.2590% | 6,078 |
| Noninterest expense to average assets | 2.6038% | 5,347 |
| Loan and lease loss provision to assets | 0.4840% | 2,562 |
| Net operating income to assets | 0.3335% | 5,149 |
| Return on assets (ROA) | 0.3355% | 5,262 |
| Pretax return on assets | 0.5376% | 4,829 |
| Return on Equity (ROE) | 4.3932% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.3932% | 3,515 |
| Net charge-offs to loans | 1.3912% | 1,241 |
| Credit loss provision to net charge-offs | 54.2958% | 4,417 |
| Earnings coverage of net charge-offs (x) | 1.1426% | 4,084 |
| Efficiency ratio | 71.8832% | 3,953 |
| Assets per employee ($millions) | 5.5277% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7674% | 1,022 |
| Loan loss allowance to noncurrent loans | 36.6901% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 5.0400% | 1,271 |
| Noncurrent loans to loans | 7.5426% | 754 |
| Net loans and leases to total assets | 61.4933% | 4,859 |
| Net loans and leases to deposits | 67.8086% | 5,617 |
| Net loans and leases to core deposits | 99.8129% | 2,152 |
| Total domestic deposits to total assets | 90.4509% | 759 |
| Equity capital to assets | 7.4923% | 7,081 |
| Core capital (leverage) ratio | 7.7235% | 6,596 |
| Tier 1 risk-based capital ratio | 11.8124% | 5,380 |
| Total risk-based capital ratio | 13.0802% | 5,311 |
| Memoranda: | ||
| Average total assets | $506,653,000 | 1,372 |
| Average earning assets | $487,402,000 | 1,306 |
| Average equity | $38,696,500 | 1,733 |
| Average total loans | $324,623,000 | 1,451 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 6,616 |
| Cost of funding earning assets | 1.3392% | 6,177 |
| Net interest margin | 3.6020% | 4,547 |
| Noninterest income to average assets | 0.2892% | 6,042 |
| Noninterest expense to average assets | 3.1057% | 3,713 |
| Loan and lease loss provision to assets | 1.3185% | 1,745 |
| Net operating income to assets | -0.0335% | 5,556 |
| Return on assets (ROA) | 0.0135% | 5,493 |
| Pretax return on assets | -0.6122% | 6,109 |
| Return on Equity (ROE) | 0.2021% | 5,469 |
| Retained earnings to average equity (ytd only) | 0.2021% | 4,791 |
| Net charge-offs to loans | 0.4521% | 3,972 |
| Credit loss provision to net charge-offs | 400.6849% | 789 |
| Earnings coverage of net charge-offs (x) | 1.9233% | 4,281 |
| Efficiency ratio | 83.0711% | 2,466 |
| Assets per employee ($millions) | 4.9371% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9972% | 778 |
| Loan loss allowance to noncurrent loans | 44.0907% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 4.6987% | 1,352 |
| Noncurrent loans to loans | 6.7978% | 853 |
| Net loans and leases to total assets | 62.9976% | 4,811 |
| Net loans and leases to deposits | 69.7962% | 5,633 |
| Net loans and leases to core deposits | 121.6468% | 1,818 |
| Total domestic deposits to total assets | 90.0115% | 951 |
| Equity capital to assets | 7.7907% | 6,778 |
| Core capital (leverage) ratio | 8.3170% | 5,582 |
| Tier 1 risk-based capital ratio | 12.4346% | 4,569 |
| Total risk-based capital ratio | 13.7067% | 4,505 |
| Memoranda: | ||
| Average total assets | $443,674,200 | 1,569 |
| Average earning assets | $424,880,200 | 1,486 |
| Average equity | $29,687,400 | 2,247 |
| Average total loans | $322,913,000 | 1,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 6,033 |
| Cost of funding earning assets | 1.4673% | 5,972 |
| Net interest margin | 3.6988% | 4,075 |
| Noninterest income to average assets | 0.2897% | 6,165 |
| Noninterest expense to average assets | 2.9915% | 4,077 |
| Loan and lease loss provision to assets | 0.4932% | 3,437 |
| Net operating income to assets | 0.3417% | 4,631 |
| Return on assets (ROA) | 0.3528% | 4,681 |
| Pretax return on assets | 0.3528% | 4,920 |
| Return on Equity (ROE) | 5.5333% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.5333% | 2,185 |
| Net charge-offs to loans | 0.1888% | 4,887 |
| Credit loss provision to net charge-offs | 348.2533% | 1,176 |
| Earnings coverage of net charge-offs (x) | 5.8952% | 2,709 |
| Efficiency ratio | 78.1801% | 3,140 |
| Assets per employee ($millions) | 4.5038% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 1,740 |
| Loan loss allowance to noncurrent loans | 43.9353% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 3.2126% | 2,109 |
| Noncurrent loans to loans | 4.6050% | 1,502 |
| Net loans and leases to total assets | 68.3521% | 3,879 |
| Net loans and leases to deposits | 74.8403% | 5,240 |
| Net loans and leases to core deposits | 143.7171% | 775 |
| Total domestic deposits to total assets | 90.4001% | 620 |
| Equity capital to assets | 6.5007% | 7,763 |
| Core capital (leverage) ratio | 6.8476% | 7,523 |
| Tier 1 risk-based capital ratio | 9.5409% | 7,340 |
| Total risk-based capital ratio | 10.8000% | 7,295 |
| Memoranda: | ||
| Average total assets | $431,166,250 | 1,619 |
| Average earning assets | $412,270,250 | 1,551 |
| Average equity | $27,493,500 | 2,435 |
| Average total loans | $323,483,000 | 1,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 5,236 |
| Cost of funding earning assets | 1.5986% | 5,749 |
| Net interest margin | 3.7840% | 3,617 |
| Noninterest income to average assets | 0.2929% | 6,167 |
| Noninterest expense to average assets | 3.0229% | 3,999 |
| Loan and lease loss provision to assets | 0.4332% | 3,392 |
| Net operating income to assets | 0.4322% | 4,368 |
| Return on assets (ROA) | 0.4468% | 4,409 |
| Pretax return on assets | 0.4468% | 4,802 |
| Return on Equity (ROE) | 7.0561% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.0561% | 1,561 |
| Net charge-offs to loans | 0.2762% | 3,816 |
| Credit loss provision to net charge-offs | 203.9911% | 2,229 |
| Earnings coverage of net charge-offs (x) | 4.0754% | 3,228 |
| Efficiency ratio | 77.7428% | 3,386 |
| Assets per employee ($millions) | 4.4579% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,119 |
| Loan loss allowance to noncurrent loans | 58.3667% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.2311% | 2,911 |
| Noncurrent loans to loans | 3.0398% | 2,368 |
| Net loans and leases to total assets | 72.0945% | 3,201 |
| Net loans and leases to deposits | 78.9905% | 4,704 |
| Net loans and leases to core deposits | 154.0382% | 560 |
| Total domestic deposits to total assets | 90.2018% | 748 |
| Equity capital to assets | 6.5172% | 7,813 |
| Core capital (leverage) ratio | 6.9247% | 7,587 |
| Tier 1 risk-based capital ratio | 9.1063% | 7,636 |
| Total risk-based capital ratio | 10.3618% | 7,640 |
| Memoranda: | ||
| Average total assets | $424,761,330 | 1,669 |
| Average earning assets | $403,595,000 | 1,606 |
| Average equity | $26,898,670 | 2,490 |
| Average total loans | $326,576,670 | 1,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 3,725 |
| Cost of funding earning assets | 1.7108% | 5,555 |
| Net interest margin | 4.0033% | 2,629 |
| Noninterest income to average assets | 0.3239% | 5,864 |
| Noninterest expense to average assets | 3.0303% | 3,632 |
| Loan and lease loss provision to assets | 0.2866% | 3,668 |
| Net operating income to assets | 0.7805% | 3,209 |
| Return on assets (ROA) | 0.7805% | 3,376 |
| Pretax return on assets | 0.7805% | 4,150 |
| Return on Equity (ROE) | 12.5153% | 1,508 |
| Retained earnings to average equity (ytd only) | 12.5153% | 707 |
| Net charge-offs to loans | -0.0134% | 7,344 |
| Credit loss provision to net charge-offs | -2,727.2727% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9566% | 3,834 |
| Assets per employee ($millions) | 4.4173% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 2,229 |
| Loan loss allowance to noncurrent loans | 60.1000% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.1479% | 2,677 |
| Noncurrent loans to loans | 2.7846% | 2,354 |
| Net loans and leases to total assets | 75.8422% | 2,302 |
| Net loans and leases to deposits | 82.8457% | 4,155 |
| Net loans and leases to core deposits | 172.8670% | 302 |
| Total domestic deposits to total assets | 89.5009% | 1,006 |
| Equity capital to assets | 6.2613% | 7,942 |
| Core capital (leverage) ratio | 7.2612% | 7,414 |
| Tier 1 risk-based capital ratio | 9.6982% | 7,257 |
| Total risk-based capital ratio | 10.9545% | 7,161 |
| Memoranda: | ||
| Average total assets | $418,705,000 | 1,702 |
| Average earning assets | $394,671,500 | 1,656 |
| Average equity | $26,112,000 | 2,564 |
| Average total loans | $329,539,500 | 1,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1920% | 4,559 |
| Cost of funding earning assets | 2.3033% | 5,133 |
| Net interest margin | 3.8887% | 3,619 |
| Noninterest income to average assets | 0.3816% | 5,628 |
| Noninterest expense to average assets | 3.2769% | 3,050 |
| Loan and lease loss provision to assets | 0.3657% | 3,494 |
| Net operating income to assets | 0.4220% | 5,067 |
| Return on assets (ROA) | 0.5861% | 4,233 |
| Pretax return on assets | 0.5861% | 4,734 |
| Return on Equity (ROE) | 8.5764% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.5764% | 686 |
| Net charge-offs to loans | 0.0468% | 6,117 |
| Credit loss provision to net charge-offs | 1,017.6471% | 434 |
| Earnings coverage of net charge-offs (x) | 21.9191% | 1,506 |
| Efficiency ratio | 80.6189% | 2,516 |
| Assets per employee ($millions) | 4.2598% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 2,295 |
| Loan loss allowance to noncurrent loans | 80.8926% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5780% | 3,078 |
| Noncurrent loans to loans | 1.9639% | 2,806 |
| Net loans and leases to total assets | 79.0745% | 1,871 |
| Net loans and leases to deposits | 84.7321% | 4,307 |
| Net loans and leases to core deposits | 192.5061% | 202 |
| Total domestic deposits to total assets | 91.1319% | 291 |
| Equity capital to assets | 6.2103% | 8,017 |
| Core capital (leverage) ratio | 7.4700% | 7,241 |
| Tier 1 risk-based capital ratio | 9.4028% | 7,410 |
| Total risk-based capital ratio | 10.6579% | 7,324 |
| Memoranda: | ||
| Average total assets | $378,410,000 | 1,786 |
| Average earning assets | $358,396,000 | 1,732 |
| Average equity | $25,861,800 | 2,571 |
| Average total loans | $290,465,400 | 1,664 |