Home > Ponce Bank > Performance and Condition Ratios
Ponce 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 | 5.1824% | 1,702 |
| Cost of funding earning assets | 2.5072% | 356 |
| Net interest margin | 2.6752% | 3,855 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4235% | 2,516 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.2808% | 4,058 |
| Return on assets (ROA) | 0.2751% | 4,067 |
| Pretax return on assets | 0.4050% | 3,954 |
| Return on Equity (ROE) | 1.5900% | 4,196 |
| Retained earnings to average equity (ytd only) | 1.5920% | 3,679 |
| Net charge-offs to loans | 0.3797% | 277 |
| Credit loss provision to net charge-offs | 18.7851% | 2,318 |
| Earnings coverage of net charge-offs (x) | 2.1052% | 2,721 |
| Efficiency ratio | 81.7505% | 793 |
| Assets per employee ($millions) | 11.5465% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,570 |
| Loan loss allowance to noncurrent loans | 153.1713% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 873 |
| Noncurrent loans to loans | 0.8838% | 855 |
| Net loans and leases to total assets | 69.6500% | 1,847 |
| Net loans and leases to deposits | 124.3871% | 61 |
| Net loans and leases to core deposits | 150.7229% | 197 |
| Total domestic deposits to total assets | 55.9900% | 4,460 |
| Equity capital to assets | 16.4625% | 425 |
| Core capital (leverage) ratio | 17.4930% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2983% | 463 |
| Memoranda: | ||
| Average total assets | $2,566,756,000 | 455 |
| Average earning assets | $2,428,643,200 | 435 |
| Average equity | $443,606,800 | 291 |
| Average total loans | $1,734,104,000 | 456 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 1,667 |
| Cost of funding earning assets | 2.4055% | 335 |
| Net interest margin | 2.6726% | 3,917 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.4399% | 2,410 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.2630% | 4,162 |
| Return on assets (ROA) | 0.2630% | 4,164 |
| Pretax return on assets | 0.3964% | 4,069 |
| Return on Equity (ROE) | 1.5000% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.5026% | 3,842 |
| Net charge-offs to loans | 0.4314% | 195 |
| Credit loss provision to net charge-offs | 25.0046% | 1,991 |
| Earnings coverage of net charge-offs (x) | 1.9712% | 2,505 |
| Efficiency ratio | 81.1219% | 794 |
| Assets per employee ($millions) | 10.7436% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,119 |
| Loan loss allowance to noncurrent loans | 169.7672% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 945 |
| Noncurrent loans to loans | 0.8828% | 937 |
| Net loans and leases to total assets | 69.0100% | 1,943 |
| Net loans and leases to deposits | 126.0963% | 53 |
| Net loans and leases to core deposits | 142.5803% | 196 |
| Total domestic deposits to total assets | 54.7300% | 4,487 |
| Equity capital to assets | 16.9791% | 398 |
| Core capital (leverage) ratio | 17.5074% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1047% | 378 |
| Memoranda: | ||
| Average total assets | $2,524,312,250 | 461 |
| Average earning assets | $2,387,014,250 | 445 |
| Average equity | $441,883,000 | 294 |
| Average total loans | $1,684,625,000 | 468 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 1,837 |
| Cost of funding earning assets | 2.2074% | 334 |
| Net interest margin | 2.6613% | 4,022 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4116% | 2,443 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.1322% | 4,342 |
| Return on assets (ROA) | 0.1322% | 4,372 |
| Pretax return on assets | 0.1826% | 4,336 |
| Return on Equity (ROE) | 0.7500% | 4,387 |
| Retained earnings to average equity (ytd only) | 0.7471% | 3,950 |
| Net charge-offs to loans | 0.4819% | 171 |
| Credit loss provision to net charge-offs | 15.5719% | 1,782 |
| Earnings coverage of net charge-offs (x) | 1.1651% | 2,379 |
| Efficiency ratio | 86.7435% | 463 |
| Assets per employee ($millions) | 10.8963% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 889 |
| Loan loss allowance to noncurrent loans | 148.6467% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 735 |
| Noncurrent loans to loans | 1.0935% | 656 |
| Net loans and leases to total assets | 64.1300% | 2,369 |
| Net loans and leases to deposits | 115.6053% | 124 |
| Net loans and leases to core deposits | 130.2558% | 323 |
| Total domestic deposits to total assets | 55.4800% | 4,507 |
| Equity capital to assets | 16.6455% | 403 |
| Core capital (leverage) ratio | 17.9499% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3009% | 340 |
| Memoranda: | ||
| Average total assets | $2,495,516,000 | 452 |
| Average earning assets | $2,358,210,333 | 440 |
| Average equity | $441,419,333 | 286 |
| Average total loans | $1,636,458,667 | 469 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 2,015 |
| Cost of funding earning assets | 1.9636% | 323 |
| Net interest margin | 2.6643% | 4,128 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.5659% | 2,061 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 0.1901% | 4,365 |
| Return on assets (ROA) | 0.1901% | 4,332 |
| Pretax return on assets | 0.3094% | 4,255 |
| Return on Equity (ROE) | 1.0400% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.0407% | 3,861 |
| Net charge-offs to loans | 0.5557% | 146 |
| Credit loss provision to net charge-offs | -14.5512% | 4,567 |
| Earnings coverage of net charge-offs (x) | 0.7675% | 1,996 |
| Efficiency ratio | 90.1269% | 354 |
| Assets per employee ($millions) | 10.0680% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 706 |
| Loan loss allowance to noncurrent loans | 124.9084% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 479 |
| Noncurrent loans to loans | 1.4090% | 469 |
| Net loans and leases to total assets | 64.0000% | 2,251 |
| Net loans and leases to deposits | 117.3416% | 106 |
| Net loans and leases to core deposits | 150.7564% | 122 |
| Total domestic deposits to total assets | 54.5400% | 4,562 |
| Equity capital to assets | 17.5196% | 323 |
| Core capital (leverage) ratio | 19.5113% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5408% | 297 |
| Memoranda: | ||
| Average total assets | $2,413,921,500 | 486 |
| Average earning assets | $2,277,671,500 | 466 |
| Average equity | $440,852,000 | 294 |
| Average total loans | $1,588,043,000 | 496 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 723 |
| Cost of funding earning assets | 0.8941% | 260 |
| Net interest margin | 3.6022% | 1,637 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.9138% | 353 |
| Loan and lease loss provision to assets | 1.2400% | 36 |
| Net operating income to assets | -1.1408% | 4,666 |
| Return on assets (ROA) | -1.1410% | 4,659 |
| Pretax return on assets | -1.3901% | 4,664 |
| Return on Equity (ROE) | -6.3000% | 4,639 |
| Retained earnings to average equity (ytd only) | -6.2986% | 4,597 |
| Net charge-offs to loans | 0.4178% | 183 |
| Credit loss provision to net charge-offs | 414.1578% | 760 |
| Earnings coverage of net charge-offs (x) | -0.5050% | 4,677 |
| Efficiency ratio | 103.9557% | 124 |
| Assets per employee ($millions) | 9.0940% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2614% | 284 |
| Loan loss allowance to noncurrent loans | 208.2099% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 658 |
| Noncurrent loans to loans | 1.0861% | 663 |
| Net loans and leases to total assets | 64.9800% | 2,144 |
| Net loans and leases to deposits | 115.8588% | 96 |
| Net loans and leases to core deposits | 143.4956% | 121 |
| Total domestic deposits to total assets | 56.0900% | 4,594 |
| Equity capital to assets | 19.0793% | 251 |
| Core capital (leverage) ratio | 20.4703% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5258% | 228 |
| Memoranda: | ||
| Average total assets | $1,940,962,400 | 571 |
| Average earning assets | $1,840,438,000 | 547 |
| Average equity | $351,600,000 | 341 |
| Average total loans | $1,389,701,800 | 512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 607 |
| Cost of funding earning assets | 0.5766% | 493 |
| Net interest margin | 3.8030% | 950 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 4.4179% | 264 |
| Loan and lease loss provision to assets | 0.8200% | 56 |
| Net operating income to assets | -0.9902% | 4,706 |
| Return on assets (ROA) | -0.9904% | 4,696 |
| Pretax return on assets | -1.1656% | 4,695 |
| Return on Equity (ROE) | -5.5600% | 4,669 |
| Retained earnings to average equity (ytd only) | -5.5595% | 4,615 |
| Net charge-offs to loans | 0.2607% | 254 |
| Credit loss provision to net charge-offs | 430.5398% | 674 |
| Earnings coverage of net charge-offs (x) | -1.8018% | 4,721 |
| Efficiency ratio | 108.3822% | 103 |
| Assets per employee ($millions) | 8.3663% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7669% | 773 |
| Loan loss allowance to noncurrent loans | 118.4284% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 452 |
| Noncurrent loans to loans | 1.4920% | 476 |
| Net loans and leases to total assets | 64.9200% | 1,990 |
| Net loans and leases to deposits | 100.2619% | 356 |
| Net loans and leases to core deposits | 122.6220% | 217 |
| Total domestic deposits to total assets | 64.7500% | 4,594 |
| Equity capital to assets | 20.7682% | 201 |
| Core capital (leverage) ratio | 22.9062% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3882% | 207 |
| Memoranda: | ||
| Average total assets | $1,851,006,250 | 598 |
| Average earning assets | $1,760,222,500 | 570 |
| Average equity | $329,756,250 | 366 |
| Average total loans | $1,354,703,000 | 518 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 478 |
| Cost of funding earning assets | 0.4241% | 785 |
| Net interest margin | 3.9269% | 582 |
| Noninterest income to average assets | 0.5309% | 2,039 |
| Noninterest expense to average assets | 4.2971% | 234 |
| Loan and lease loss provision to assets | 0.2370% | 316 |
| Net operating income to assets | -0.2640% | 4,650 |
| Return on assets (ROA) | -0.2645% | 4,627 |
| Pretax return on assets | -0.2739% | 4,616 |
| Return on Equity (ROE) | -1.5927% | 4,602 |
| Retained earnings to average equity (ytd only) | -1.5927% | 4,352 |
| Net charge-offs to loans | 0.1339% | 480 |
| Credit loss provision to net charge-offs | 232.6233% | 902 |
| Earnings coverage of net charge-offs (x) | -0.3576% | 2,108 |
| Efficiency ratio | 100.7988% | 182 |
| Assets per employee ($millions) | 8.0383% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 2,201 |
| Loan loss allowance to noncurrent loans | 94.1426% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 546 |
| Noncurrent loans to loans | 1.3786% | 553 |
| Net loans and leases to total assets | 65.5733% | 1,748 |
| Net loans and leases to deposits | 112.2308% | 80 |
| Net loans and leases to core deposits | 131.8296% | 114 |
| Total domestic deposits to total assets | 58.4272% | 4,699 |
| Equity capital to assets | 22.6705% | 119 |
| Core capital (leverage) ratio | 28.7896% | 76 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0023% | 151 |
| Memoranda: | ||
| Average total assets | $1,751,292,333 | 619 |
| Average earning assets | $1,663,352,333 | 602 |
| Average equity | $290,826,333 | 398 |
| Average total loans | $1,332,598,000 | 517 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 159 |
| Cost of funding earning assets | 0.4614% | 613 |
| Net interest margin | 4.5159% | 168 |
| Noninterest income to average assets | 1.0351% | 637 |
| Noninterest expense to average assets | 5.4927% | 150 |
| Loan and lease loss provision to assets | 0.3122% | 193 |
| Net operating income to assets | -0.4196% | 4,695 |
| Return on assets (ROA) | -0.4196% | 4,681 |
| Pretax return on assets | -0.4879% | 4,678 |
| Return on Equity (ROE) | -3.2668% | 4,670 |
| Retained earnings to average equity (ytd only) | -3.2668% | 4,332 |
| Net charge-offs to loans | 0.2169% | 286 |
| Credit loss provision to net charge-offs | 175.2089% | 817 |
| Earnings coverage of net charge-offs (x) | -0.9861% | 1,794 |
| Efficiency ratio | 103.2531% | 199 |
| Assets per employee ($millions) | 7.0834% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,482 |
| Loan loss allowance to noncurrent loans | 105.3311% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 499 |
| Noncurrent loans to loans | 1.2089% | 732 |
| Net loans and leases to total assets | 82.1837% | 154 |
| Net loans and leases to deposits | 106.7519% | 91 |
| Net loans and leases to core deposits | 129.5148% | 94 |
| Total domestic deposits to total assets | 76.9857% | 4,459 |
| Equity capital to assets | 15.3288% | 365 |
| Core capital (leverage) ratio | 15.0431% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4382% | 463 |
| Memoranda: | ||
| Average total assets | $1,611,899,000 | 666 |
| Average earning assets | $1,528,393,500 | 651 |
| Average equity | $207,051,500 | 527 |
| Average total loans | $1,324,053,000 | 512 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 368 |
| Cost of funding earning assets | 0.5751% | 617 |
| Net interest margin | 4.2069% | 480 |
| Noninterest income to average assets | 1.7470% | 379 |
| Noninterest expense to average assets | 3.0088% | 965 |
| Loan and lease loss provision to assets | 0.1824% | 627 |
| Net operating income to assets | 1.9297% | 386 |
| Return on assets (ROA) | 1.9357% | 406 |
| Pretax return on assets | 2.5004% | 255 |
| Return on Equity (ROE) | 18.8759% | 390 |
| Retained earnings to average equity (ytd only) | 18.8759% | 80 |
| Net charge-offs to loans | 0.0962% | 876 |
| Credit loss provision to net charge-offs | 220.0000% | 1,253 |
| Earnings coverage of net charge-offs (x) | 32.2599% | 1,555 |
| Efficiency ratio | 52.9339% | 4,043 |
| Assets per employee ($millions) | 9.5477% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,692 |
| Loan loss allowance to noncurrent loans | 142.1419% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 906 |
| Noncurrent loans to loans | 0.8706% | 1,170 |
| Net loans and leases to total assets | 79.4686% | 294 |
| Net loans and leases to deposits | 96.7782% | 288 |
| Net loans and leases to core deposits | 118.7376% | 172 |
| Total domestic deposits to total assets | 82.1142% | 3,946 |
| Equity capital to assets | 10.3856% | 2,286 |
| Core capital (leverage) ratio | 10.9595% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2422% | 1,207 |
| Memoranda: | ||
| Average total assets | $1,489,212,000 | 691 |
| Average earning assets | $1,393,703,000 | 684 |
| Average equity | $152,713,600 | 700 |
| Average total loans | $1,283,881,200 | 526 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 460 |
| Cost of funding earning assets | 0.6116% | 601 |
| Net interest margin | 4.1191% | 629 |
| Noninterest income to average assets | 0.8051% | 1,509 |
| Noninterest expense to average assets | 2.9750% | 1,014 |
| Loan and lease loss provision to assets | 0.1695% | 643 |
| Net operating income to assets | 1.1707% | 2,273 |
| Return on assets (ROA) | 1.1754% | 2,309 |
| Pretax return on assets | 1.5169% | 1,953 |
| Return on Equity (ROE) | 11.5034% | 2,213 |
| Retained earnings to average equity (ytd only) | 11.5034% | 946 |
| Net charge-offs to loans | 0.0739% | 913 |
| Credit loss provision to net charge-offs | 261.1898% | 1,072 |
| Earnings coverage of net charge-offs (x) | 25.9037% | 1,604 |
| Efficiency ratio | 63.9027% | 2,399 |
| Assets per employee ($millions) | 8.4776% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,921 |
| Loan loss allowance to noncurrent loans | 156.5575% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 1,135 |
| Noncurrent loans to loans | 0.7757% | 1,458 |
| Net loans and leases to total assets | 84.3985% | 106 |
| Net loans and leases to deposits | 102.7358% | 176 |
| Net loans and leases to core deposits | 117.3272% | 213 |
| Total domestic deposits to total assets | 82.1510% | 3,906 |
| Equity capital to assets | 10.0131% | 2,888 |
| Core capital (leverage) ratio | 9.9837% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1510% | 1,580 |
| Memoranda: | ||
| Average total assets | $1,450,962,000 | 710 |
| Average earning assets | $1,356,272,500 | 698 |
| Average equity | $148,253,500 | 731 |
| Average total loans | $1,274,502,750 | 541 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 589 |
| Cost of funding earning assets | 0.6424% | 600 |
| Net interest margin | 3.9936% | 833 |
| Noninterest income to average assets | 1.0653% | 970 |
| Noninterest expense to average assets | 2.8805% | 1,185 |
| Loan and lease loss provision to assets | 0.1791% | 640 |
| Net operating income to assets | 1.3406% | 1,742 |
| Return on assets (ROA) | 1.3466% | 1,799 |
| Pretax return on assets | 1.7479% | 1,360 |
| Return on Equity (ROE) | 13.0844% | 1,680 |
| Retained earnings to average equity (ytd only) | 13.0844% | 700 |
| Net charge-offs to loans | 0.0425% | 1,211 |
| Credit loss provision to net charge-offs | 474.6269% | 698 |
| Earnings coverage of net charge-offs (x) | 50.8619% | 1,061 |
| Efficiency ratio | 60.0111% | 3,019 |
| Assets per employee ($millions) | 8.4742% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 3,105 |
| Loan loss allowance to noncurrent loans | 172.6294% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 1,388 |
| Noncurrent loans to loans | 0.6765% | 1,733 |
| Net loans and leases to total assets | 88.0790% | 41 |
| Net loans and leases to deposits | 107.3902% | 138 |
| Net loans and leases to core deposits | 128.1315% | 144 |
| Total domestic deposits to total assets | 82.0177% | 3,919 |
| Equity capital to assets | 9.9434% | 2,901 |
| Core capital (leverage) ratio | 10.2290% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0968% | 1,599 |
| Memoranda: | ||
| Average total assets | $1,420,311,000 | 721 |
| Average earning assets | $1,328,228,667 | 707 |
| Average equity | $146,173,667 | 737 |
| Average total loans | $1,259,935,333 | 547 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 571 |
| Cost of funding earning assets | 0.6842% | 579 |
| Net interest margin | 4.0171% | 821 |
| Noninterest income to average assets | 0.4828% | 2,688 |
| Noninterest expense to average assets | 2.8800% | 1,197 |
| Loan and lease loss provision to assets | 0.2006% | 606 |
| Net operating income to assets | 0.8340% | 3,316 |
| Return on assets (ROA) | 0.8340% | 3,396 |
| Pretax return on assets | 1.1575% | 2,961 |
| Return on Equity (ROE) | 7.9540% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.9540% | 2,255 |
| Net charge-offs to loans | 0.0162% | 1,419 |
| Credit loss provision to net charge-offs | 1,400.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 94.7755% | 636 |
| Efficiency ratio | 67.9547% | 1,940 |
| Assets per employee ($millions) | 7.6360% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,692 |
| Loan loss allowance to noncurrent loans | 114.2394% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 877 |
| Noncurrent loans to loans | 1.0896% | 1,223 |
| Net loans and leases to total assets | 86.6310% | 75 |
| Net loans and leases to deposits | 106.6056% | 163 |
| Net loans and leases to core deposits | 128.9471% | 151 |
| Total domestic deposits to total assets | 81.2631% | 4,020 |
| Equity capital to assets | 10.1996% | 2,523 |
| Core capital (leverage) ratio | 10.7829% | 1,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7964% | 1,640 |
| Memoranda: | ||
| Average total assets | $1,367,791,500 | 733 |
| Average earning assets | $1,278,629,000 | 723 |
| Average equity | $143,424,500 | 742 |
| Average total loans | $1,210,209,000 | 572 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 834 |
| Cost of funding earning assets | 1.0138% | 566 |
| Net interest margin | 3.7226% | 1,728 |
| Noninterest income to average assets | 0.6252% | 2,119 |
| Noninterest expense to average assets | 3.3754% | 815 |
| Loan and lease loss provision to assets | 0.2039% | 1,926 |
| Net operating income to assets | 0.3973% | 4,249 |
| Return on assets (ROA) | 0.3974% | 4,330 |
| Pretax return on assets | 0.5262% | 4,223 |
| Return on Equity (ROE) | 3.4402% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.4402% | 3,107 |
| Net charge-offs to loans | -0.0093% | 4,248 |
| Credit loss provision to net charge-offs | -2,467.6768% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2188% | 737 |
| Assets per employee ($millions) | 7.4309% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,589 |
| Loan loss allowance to noncurrent loans | 114.9594% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.9835% | 979 |
| Noncurrent loans to loans | 1.1013% | 1,289 |
| Net loans and leases to total assets | 88.1667% | 44 |
| Net loans and leases to deposits | 111.2895% | 151 |
| Net loans and leases to core deposits | 135.9998% | 150 |
| Total domestic deposits to total assets | 79.2228% | 4,178 |
| Equity capital to assets | 10.7934% | 2,437 |
| Core capital (leverage) ratio | 11.1860% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9488% | 1,550 |
| Memoranda: | ||
| Average total assets | $1,198,394,200 | 753 |
| Average earning assets | $1,120,357,400 | 737 |
| Average equity | $138,420,600 | 728 |
| Average total loans | $1,067,977,200 | 598 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 980 |
| Cost of funding earning assets | 1.0801% | 575 |
| Net interest margin | 3.6606% | 2,060 |
| Noninterest income to average assets | 0.7511% | 1,644 |
| Noninterest expense to average assets | 3.3756% | 822 |
| Loan and lease loss provision to assets | 0.2323% | 1,748 |
| Net operating income to assets | 0.4308% | 4,202 |
| Return on assets (ROA) | 0.4300% | 4,270 |
| Pretax return on assets | 0.5743% | 4,150 |
| Return on Equity (ROE) | 3.6557% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.6557% | 3,224 |
| Net charge-offs to loans | -0.0020% | 3,883 |
| Credit loss provision to net charge-offs | -12,731.2500% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6963% | 823 |
| Assets per employee ($millions) | 6.7786% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,245 |
| Loan loss allowance to noncurrent loans | 131.5015% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 1,337 |
| Noncurrent loans to loans | 0.9733% | 1,535 |
| Net loans and leases to total assets | 87.9771% | 78 |
| Net loans and leases to deposits | 112.3437% | 192 |
| Net loans and leases to core deposits | 137.8463% | 178 |
| Total domestic deposits to total assets | 78.3107% | 4,152 |
| Equity capital to assets | 11.1733% | 2,261 |
| Core capital (leverage) ratio | 11.4595% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9308% | 1,266 |
| Memoranda: | ||
| Average total assets | $1,169,177,250 | 758 |
| Average earning assets | $1,096,198,500 | 741 |
| Average equity | $137,535,500 | 722 |
| Average total loans | $1,041,348,250 | 606 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,318 |
| Cost of funding earning assets | 1.1387% | 634 |
| Net interest margin | 3.5968% | 2,495 |
| Noninterest income to average assets | 0.2436% | 4,022 |
| Noninterest expense to average assets | 3.4881% | 756 |
| Loan and lease loss provision to assets | 0.2489% | 1,690 |
| Net operating income to assets | -0.1101% | 4,834 |
| Return on assets (ROA) | -0.0984% | 4,834 |
| Pretax return on assets | -0.0899% | 4,822 |
| Return on Equity (ROE) | -0.8210% | 4,835 |
| Retained earnings to average equity (ytd only) | -0.8210% | 4,449 |
| Net charge-offs to loans | -0.0032% | 3,892 |
| Credit loss provision to net charge-offs | -8,856.2500% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9509% | 245 |
| Assets per employee ($millions) | 6.7972% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,168 |
| Loan loss allowance to noncurrent loans | 119.2461% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 1,282 |
| Noncurrent loans to loans | 1.0621% | 1,466 |
| Net loans and leases to total assets | 88.1685% | 58 |
| Net loans and leases to deposits | 112.6771% | 179 |
| Net loans and leases to core deposits | 139.6224% | 173 |
| Total domestic deposits to total assets | 78.2488% | 4,153 |
| Equity capital to assets | 11.2124% | 2,173 |
| Core capital (leverage) ratio | 11.6266% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5167% | 1,128 |
| Memoranda: | ||
| Average total assets | $1,138,629,667 | 764 |
| Average earning assets | $1,073,691,333 | 747 |
| Average equity | $136,422,333 | 722 |
| Average total loans | $1,013,926,333 | 615 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 926 |
| Cost of funding earning assets | 1.2229% | 709 |
| Net interest margin | 3.7975% | 1,983 |
| Noninterest income to average assets | 0.2728% | 3,897 |
| Noninterest expense to average assets | 3.6715% | 725 |
| Loan and lease loss provision to assets | 0.4169% | 729 |
| Net operating income to assets | -0.2092% | 4,855 |
| Return on assets (ROA) | -0.2092% | 4,831 |
| Pretax return on assets | -0.2303% | 4,826 |
| Return on Equity (ROE) | -1.6859% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.6859% | 4,216 |
| Net charge-offs to loans | -0.0037% | 3,766 |
| Credit loss provision to net charge-offs | -12,733.3333% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1631% | 344 |
| Assets per employee ($millions) | 6.2366% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,826 |
| Loan loss allowance to noncurrent loans | 138.7568% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,584 |
| Noncurrent loans to loans | 0.9847% | 1,678 |
| Net loans and leases to total assets | 84.8172% | 218 |
| Net loans and leases to deposits | 114.6765% | 125 |
| Net loans and leases to core deposits | 141.1926% | 158 |
| Total domestic deposits to total assets | 73.9621% | 4,664 |
| Equity capital to assets | 11.8727% | 2,166 |
| Core capital (leverage) ratio | 12.7552% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8444% | 1,166 |
| Memoranda: | ||
| Average total assets | $1,099,597,500 | 758 |
| Average earning assets | $1,038,150,500 | 738 |
| Average equity | $136,423,500 | 715 |
| Average total loans | $977,638,500 | 610 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 1,395 |
| Cost of funding earning assets | 1.2746% | 827 |
| Net interest margin | 3.7557% | 2,648 |
| Noninterest income to average assets | 0.2814% | 3,998 |
| Noninterest expense to average assets | 4.1365% | 452 |
| Loan and lease loss provision to assets | 0.0244% | 3,533 |
| Net operating income to assets | -0.2830% | 5,028 |
| Return on assets (ROA) | -0.2830% | 5,037 |
| Pretax return on assets | -0.3199% | 5,040 |
| Return on Equity (ROE) | -2.2391% | 5,038 |
| Retained earnings to average equity (ytd only) | -2.2391% | 4,880 |
| Net charge-offs to loans | 0.0621% | 2,214 |
| Credit loss provision to net charge-offs | 43.8031% | 3,174 |
| Earnings coverage of net charge-offs (x) | -5.3141% | 3,683 |
| Efficiency ratio | 107.6948% | 112 |
| Assets per employee ($millions) | 5.7468% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,055 |
| Loan loss allowance to noncurrent loans | 106.0017% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 1,101 |
| Noncurrent loans to loans | 1.2008% | 1,256 |
| Net loans and leases to total assets | 90.9190% | 32 |
| Net loans and leases to deposits | 119.2588% | 83 |
| Net loans and leases to core deposits | 149.1221% | 123 |
| Total domestic deposits to total assets | 76.2368% | 4,575 |
| Equity capital to assets | 12.9893% | 1,529 |
| Core capital (leverage) ratio | 12.9235% | 1,269 |
| Tier 1 risk-based capital ratio | 17.3651% | 1,934 |
| Total risk-based capital ratio | 18.6198% | 1,885 |
| Memoranda: | ||
| Average total assets | $1,059,023,200 | 744 |
| Average earning assets | $1,003,738,200 | 727 |
| Average equity | $133,849,600 | 685 |
| Average total loans | $948,933,800 | 603 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 1,527 |
| Cost of funding earning assets | 1.2612% | 879 |
| Net interest margin | 3.7418% | 2,777 |
| Noninterest income to average assets | 0.2781% | 4,083 |
| Noninterest expense to average assets | 3.1244% | 1,655 |
| Loan and lease loss provision to assets | 0.0205% | 3,499 |
| Net operating income to assets | 0.5096% | 4,495 |
| Return on assets (ROA) | 0.5096% | 4,545 |
| Pretax return on assets | 0.6816% | 4,384 |
| Return on Equity (ROE) | 4.0601% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.0601% | 3,365 |
| Net charge-offs to loans | 0.1015% | 1,456 |
| Credit loss provision to net charge-offs | 22.6704% | 2,956 |
| Earnings coverage of net charge-offs (x) | 7.7691% | 2,715 |
| Efficiency ratio | 81.6528% | 784 |
| Assets per employee ($millions) | 5.8744% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,138 |
| Loan loss allowance to noncurrent loans | 117.3502% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 1,432 |
| Noncurrent loans to loans | 1.0787% | 1,472 |
| Net loans and leases to total assets | 86.3489% | 171 |
| Net loans and leases to deposits | 121.2386% | 83 |
| Net loans and leases to core deposits | 148.7188% | 130 |
| Total domestic deposits to total assets | 71.2223% | 4,949 |
| Equity capital to assets | 12.3359% | 2,020 |
| Core capital (leverage) ratio | 13.6200% | 1,102 |
| Tier 1 risk-based capital ratio | 18.0328% | 1,805 |
| Total risk-based capital ratio | 19.2867% | 1,756 |
| Memoranda: | ||
| Average total assets | $1,060,863,250 | 744 |
| Average earning assets | $1,006,002,000 | 723 |
| Average equity | $133,161,000 | 689 |
| Average total loans | $944,044,750 | 605 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 1,518 |
| Cost of funding earning assets | 1.2487% | 870 |
| Net interest margin | 3.7365% | 2,807 |
| Noninterest income to average assets | 0.2944% | 3,967 |
| Noninterest expense to average assets | 3.0951% | 1,745 |
| Loan and lease loss provision to assets | 0.0284% | 3,253 |
| Net operating income to assets | 0.5411% | 4,444 |
| Return on assets (ROA) | 0.5411% | 4,474 |
| Pretax return on assets | 0.7166% | 4,293 |
| Return on Equity (ROE) | 4.2847% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.2847% | 3,108 |
| Net charge-offs to loans | 0.0742% | 1,626 |
| Credit loss provision to net charge-offs | 42.8161% | 2,522 |
| Earnings coverage of net charge-offs (x) | 11.2213% | 2,216 |
| Efficiency ratio | 80.5992% | 919 |
| Assets per employee ($millions) | 5.7633% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,918 |
| Loan loss allowance to noncurrent loans | 123.9038% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 1,443 |
| Noncurrent loans to loans | 1.0671% | 1,537 |
| Net loans and leases to total assets | 88.5797% | 89 |
| Net loans and leases to deposits | 112.3678% | 180 |
| Net loans and leases to core deposits | 135.2842% | 240 |
| Total domestic deposits to total assets | 78.8302% | 4,251 |
| Equity capital to assets | 12.7174% | 1,734 |
| Core capital (leverage) ratio | 13.6452% | 1,066 |
| Tier 1 risk-based capital ratio | 18.2894% | 1,730 |
| Total risk-based capital ratio | 19.5444% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,048,315,670 | 749 |
| Average earning assets | $994,772,000 | 729 |
| Average equity | $132,377,670 | 686 |
| Average total loans | $938,490,000 | 611 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,378 |
| Cost of funding earning assets | 1.2164% | 861 |
| Net interest margin | 3.7654% | 2,651 |
| Noninterest income to average assets | 0.2886% | 3,942 |
| Noninterest expense to average assets | 3.1770% | 1,554 |
| Loan and lease loss provision to assets | 0.0570% | 2,522 |
| Net operating income to assets | 0.4753% | 4,584 |
| Return on assets (ROA) | 0.4753% | 4,608 |
| Pretax return on assets | 0.6361% | 4,450 |
| Return on Equity (ROE) | 3.7779% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,412 |
| Net charge-offs to loans | 0.1541% | 866 |
| Credit loss provision to net charge-offs | 41.3889% | 2,020 |
| Earnings coverage of net charge-offs (x) | 5.0306% | 2,286 |
| Efficiency ratio | 82.0906% | 863 |
| Assets per employee ($millions) | 5.5787% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 1,964 |
| Loan loss allowance to noncurrent loans | 155.7293% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,819 |
| Noncurrent loans to loans | 0.8526% | 1,932 |
| Net loans and leases to total assets | 89.6365% | 57 |
| Net loans and leases to deposits | 109.4792% | 229 |
| Net loans and leases to core deposits | 150.1548% | 123 |
| Total domestic deposits to total assets | 81.8754% | 3,754 |
| Equity capital to assets | 12.8159% | 1,558 |
| Core capital (leverage) ratio | 13.5627% | 1,074 |
| Tier 1 risk-based capital ratio | 18.0616% | 1,781 |
| Total risk-based capital ratio | 19.3164% | 1,737 |
| Memoranda: | ||
| Average total assets | $1,045,131,000 | 755 |
| Average earning assets | $994,113,500 | 734 |
| Average equity | $131,502,500 | 692 |
| Average total loans | $934,358,000 | 619 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9747% | 1,106 |
| Cost of funding earning assets | 1.0854% | 525 |
| Net interest margin | 3.8894% | 2,360 |
| Noninterest income to average assets | 0.3165% | 4,000 |
| Noninterest expense to average assets | 3.2997% | 1,324 |
| Loan and lease loss provision to assets | 0.1280% | 1,718 |
| Net operating income to assets | 0.4499% | 4,767 |
| Return on assets (ROA) | 0.4508% | 4,763 |
| Pretax return on assets | 0.5884% | 4,655 |
| Return on Equity (ROE) | 3.4525% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.4525% | 3,688 |
| Net charge-offs to loans | -0.0390% | 4,890 |
| Credit loss provision to net charge-offs | -368.4366% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1872% | 787 |
| Assets per employee ($millions) | 5.8464% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,796 |
| Loan loss allowance to noncurrent loans | 187.1526% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 2,126 |
| Noncurrent loans to loans | 0.7264% | 2,175 |
| Net loans and leases to total assets | 86.7987% | 184 |
| Net loans and leases to deposits | 108.4859% | 288 |
| Net loans and leases to core deposits | 147.4784% | 146 |
| Total domestic deposits to total assets | 80.0092% | 4,107 |
| Equity capital to assets | 12.3547% | 1,664 |
| Core capital (leverage) ratio | 13.6641% | 1,021 |
| Tier 1 risk-based capital ratio | 18.1351% | 1,720 |
| Total risk-based capital ratio | 19.3907% | 1,671 |
| Memoranda: | ||
| Average total assets | $975,718,000 | 788 |
| Average earning assets | $927,808,800 | 760 |
| Average equity | $127,413,400 | 678 |
| Average total loans | $868,758,400 | 643 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 994 |
| Cost of funding earning assets | 1.0595% | 465 |
| Net interest margin | 3.9100% | 2,264 |
| Noninterest income to average assets | 0.3028% | 4,125 |
| Noninterest expense to average assets | 3.2959% | 1,310 |
| Loan and lease loss provision to assets | 0.1443% | 1,376 |
| Net operating income to assets | 0.4588% | 4,839 |
| Return on assets (ROA) | 0.4601% | 4,846 |
| Pretax return on assets | 0.5800% | 4,760 |
| Return on Equity (ROE) | 3.4717% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.4717% | 4,031 |
| Net charge-offs to loans | -0.0406% | 4,860 |
| Credit loss provision to net charge-offs | -397.6923% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0162% | 773 |
| Assets per employee ($millions) | 5.6062% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,831 |
| Loan loss allowance to noncurrent loans | 186.7976% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 2,177 |
| Noncurrent loans to loans | 0.7305% | 2,248 |
| Net loans and leases to total assets | 91.1114% | 43 |
| Net loans and leases to deposits | 111.3583% | 255 |
| Net loans and leases to core deposits | 144.8228% | 175 |
| Total domestic deposits to total assets | 81.8183% | 3,664 |
| Equity capital to assets | 13.0813% | 1,298 |
| Core capital (leverage) ratio | 13.7768% | 1,002 |
| Tier 1 risk-based capital ratio | 18.3467% | 1,710 |
| Total risk-based capital ratio | 19.6023% | 1,660 |
| Memoranda: | ||
| Average total assets | $955,096,000 | 799 |
| Average earning assets | $907,677,000 | 773 |
| Average equity | $126,582,250 | 678 |
| Average total loans | $853,156,000 | 652 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 991 |
| Cost of funding earning assets | 1.0179% | 431 |
| Net interest margin | 3.8944% | 2,220 |
| Noninterest income to average assets | 0.2927% | 4,221 |
| Noninterest expense to average assets | 3.2793% | 1,372 |
| Loan and lease loss provision to assets | 0.0911% | 2,106 |
| Net operating income to assets | 0.5053% | 4,740 |
| Return on assets (ROA) | 0.5053% | 4,744 |
| Pretax return on assets | 0.6236% | 4,696 |
| Return on Equity (ROE) | 3.7953% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.7953% | 3,702 |
| Net charge-offs to loans | -0.0594% | 4,975 |
| Credit loss provision to net charge-offs | -173.7903% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1058% | 826 |
| Assets per employee ($millions) | 4.9855% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,883 |
| Loan loss allowance to noncurrent loans | 176.9462% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 2,183 |
| Noncurrent loans to loans | 0.7703% | 2,195 |
| Net loans and leases to total assets | 87.9280% | 143 |
| Net loans and leases to deposits | 107.6555% | 366 |
| Net loans and leases to core deposits | 139.8253% | 195 |
| Total domestic deposits to total assets | 81.6754% | 3,822 |
| Equity capital to assets | 13.1587% | 1,241 |
| Core capital (leverage) ratio | 14.0287% | 909 |
| Tier 1 risk-based capital ratio | 18.8144% | 1,597 |
| Total risk-based capital ratio | 20.0696% | 1,554 |
| Memoranda: | ||
| Average total assets | $946,431,670 | 803 |
| Average earning assets | $899,507,670 | 776 |
| Average equity | $125,996,670 | 682 |
| Average total loans | $835,458,000 | 660 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 1,056 |
| Cost of funding earning assets | 0.9801% | 407 |
| Net interest margin | 3.8326% | 2,289 |
| Noninterest income to average assets | 0.3637% | 3,709 |
| Noninterest expense to average assets | 3.1802% | 1,612 |
| Loan and lease loss provision to assets | 0.0402% | 2,949 |
| Net operating income to assets | 0.6277% | 4,347 |
| Return on assets (ROA) | 0.6277% | 4,355 |
| Pretax return on assets | 0.7880% | 4,181 |
| Return on Equity (ROE) | 4.6873% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.6873% | 3,314 |
| Net charge-offs to loans | -0.1182% | 5,260 |
| Credit loss provision to net charge-offs | -38.6831% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3390% | 1,216 |
| Assets per employee ($millions) | 4.9372% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,962 |
| Loan loss allowance to noncurrent loans | 122.9286% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 1,605 |
| Noncurrent loans to loans | 1.1123% | 1,650 |
| Net loans and leases to total assets | 86.8215% | 203 |
| Net loans and leases to deposits | 104.0998% | 473 |
| Net loans and leases to core deposits | 128.8506% | 364 |
| Total domestic deposits to total assets | 83.4022% | 3,542 |
| Equity capital to assets | 13.2915% | 1,119 |
| Core capital (leverage) ratio | 14.3540% | 795 |
| Tier 1 risk-based capital ratio | 19.2633% | 1,484 |
| Total risk-based capital ratio | 20.5187% | 1,448 |
| Memoranda: | ||
| Average total assets | $936,055,500 | 816 |
| Average earning assets | $890,155,500 | 789 |
| Average equity | $125,360,500 | 683 |
| Average total loans | $822,098,500 | 673 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 693 |
| Cost of funding earning assets | 0.8697% | 443 |
| Net interest margin | 4.0911% | 1,474 |
| Noninterest income to average assets | 0.3606% | 3,888 |
| Noninterest expense to average assets | 3.6979% | 793 |
| Loan and lease loss provision to assets | 0.2063% | 989 |
| Net operating income to assets | 0.0311% | 5,328 |
| Return on assets (ROA) | 0.0305% | 5,330 |
| Pretax return on assets | 0.3212% | 5,187 |
| Return on Equity (ROE) | 0.2382% | 5,334 |
| Retained earnings to average equity (ytd only) | 0.2382% | 4,928 |
| Net charge-offs to loans | 0.1155% | 1,893 |
| Credit loss provision to net charge-offs | 201.8824% | 1,351 |
| Earnings coverage of net charge-offs (x) | 5.1706% | 3,365 |
| Efficiency ratio | 87.4972% | 562 |
| Assets per employee ($millions) | 5.2223% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,895 |
| Loan loss allowance to noncurrent loans | 97.0459% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 1,184 |
| Noncurrent loans to loans | 1.4088% | 1,219 |
| Net loans and leases to total assets | 86.4076% | 232 |
| Net loans and leases to deposits | 106.0842% | 397 |
| Net loans and leases to core deposits | 131.2187% | 314 |
| Total domestic deposits to total assets | 81.4519% | 4,013 |
| Equity capital to assets | 13.4597% | 1,077 |
| Core capital (leverage) ratio | 14.7590% | 669 |
| Tier 1 risk-based capital ratio | 19.4290% | 1,428 |
| Total risk-based capital ratio | 20.6842% | 1,401 |
| Memoranda: | ||
| Average total assets | $831,752,400 | 897 |
| Average earning assets | $785,919,600 | 877 |
| Average equity | $106,639,600 | 767 |
| Average total loans | $735,698,200 | 716 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 599 |
| Cost of funding earning assets | 0.8619% | 429 |
| Net interest margin | 4.1480% | 1,281 |
| Noninterest income to average assets | 0.3809% | 3,806 |
| Noninterest expense to average assets | 3.5324% | 942 |
| Loan and lease loss provision to assets | 0.0819% | 2,454 |
| Net operating income to assets | 0.4284% | 4,931 |
| Return on assets (ROA) | 0.4284% | 4,962 |
| Pretax return on assets | 0.6793% | 4,658 |
| Return on Equity (ROE) | 3.3895% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.3895% | 3,909 |
| Net charge-offs to loans | -0.0827% | 5,325 |
| Credit loss provision to net charge-offs | -111.6854% | 4,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2696% | 890 |
| Assets per employee ($millions) | 5.2056% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,775 |
| Loan loss allowance to noncurrent loans | 118.4213% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 1,586 |
| Noncurrent loans to loans | 1.2086% | 1,576 |
| Net loans and leases to total assets | 86.2456% | 246 |
| Net loans and leases to deposits | 104.2952% | 486 |
| Net loans and leases to core deposits | 124.4267% | 448 |
| Total domestic deposits to total assets | 82.6937% | 3,549 |
| Equity capital to assets | 14.3364% | 898 |
| Core capital (leverage) ratio | 14.8985% | 679 |
| Tier 1 risk-based capital ratio | 20.1432% | 1,332 |
| Total risk-based capital ratio | 21.3986% | 1,301 |
| Memoranda: | ||
| Average total assets | $808,604,750 | 924 |
| Average earning assets | $762,752,500 | 907 |
| Average equity | $102,196,000 | 804 |
| Average total loans | $717,179,250 | 734 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 536 |
| Cost of funding earning assets | 0.8477% | 411 |
| Net interest margin | 4.1842% | 1,112 |
| Noninterest income to average assets | 0.4221% | 3,546 |
| Noninterest expense to average assets | 3.6068% | 866 |
| Loan and lease loss provision to assets | 0.0660% | 2,646 |
| Net operating income to assets | 0.4329% | 4,889 |
| Return on assets (ROA) | 0.4318% | 4,920 |
| Pretax return on assets | 0.6841% | 4,597 |
| Return on Equity (ROE) | 3.6000% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.6000% | 3,565 |
| Net charge-offs to loans | -0.0551% | 5,218 |
| Credit loss provision to net charge-offs | -134.3750% | 4,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7481% | 941 |
| Assets per employee ($millions) | 4.5674% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,818 |
| Loan loss allowance to noncurrent loans | 108.2715% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,406 |
| Noncurrent loans to loans | 1.3204% | 1,465 |
| Net loans and leases to total assets | 90.3649% | 69 |
| Net loans and leases to deposits | 103.9029% | 501 |
| Net loans and leases to core deposits | 126.1436% | 393 |
| Total domestic deposits to total assets | 86.9705% | 1,970 |
| Equity capital to assets | 11.6451% | 2,194 |
| Core capital (leverage) ratio | 12.7025% | 1,294 |
| Tier 1 risk-based capital ratio | 16.0872% | 2,465 |
| Total risk-based capital ratio | 17.3427% | 2,410 |
| Memoranda: | ||
| Average total assets | $781,421,000 | 964 |
| Average earning assets | $735,197,670 | 945 |
| Average equity | $93,722,670 | 877 |
| Average total loans | $696,616,670 | 752 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 650 |
| Cost of funding earning assets | 0.8300% | 410 |
| Net interest margin | 4.0524% | 1,342 |
| Noninterest income to average assets | 0.3955% | 3,697 |
| Noninterest expense to average assets | 3.7020% | 778 |
| Loan and lease loss provision to assets | 0.0272% | 3,220 |
| Net operating income to assets | 0.2978% | 5,195 |
| Return on assets (ROA) | 0.2978% | 5,212 |
| Pretax return on assets | 0.4796% | 5,005 |
| Return on Equity (ROE) | 2.4451% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.4451% | 4,167 |
| Net charge-offs to loans | -0.0672% | 5,309 |
| Credit loss provision to net charge-offs | -46.0177% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9593% | 659 |
| Assets per employee ($millions) | 4.4423% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,683 |
| Loan loss allowance to noncurrent loans | 105.5471% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 1,382 |
| Noncurrent loans to loans | 1.4238% | 1,421 |
| Net loans and leases to total assets | 86.4404% | 189 |
| Net loans and leases to deposits | 102.7384% | 461 |
| Net loans and leases to core deposits | 117.8429% | 529 |
| Total domestic deposits to total assets | 84.1364% | 3,427 |
| Equity capital to assets | 11.8916% | 1,911 |
| Core capital (leverage) ratio | 13.0805% | 1,113 |
| Tier 1 risk-based capital ratio | 16.9082% | 2,212 |
| Total risk-based capital ratio | 18.1645% | 2,171 |
| Memoranda: | ||
| Average total assets | $765,633,500 | 978 |
| Average earning assets | $720,456,500 | 960 |
| Average equity | $93,247,000 | 877 |
| Average total loans | $672,266,000 | 781 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 656 |
| Cost of funding earning assets | 0.8710% | 343 |
| Net interest margin | 4.0792% | 1,428 |
| Noninterest income to average assets | 0.3347% | 4,342 |
| Noninterest expense to average assets | 3.8349% | 749 |
| Loan and lease loss provision to assets | -0.0078% | 5,483 |
| Net operating income to assets | 0.1961% | 5,425 |
| Return on assets (ROA) | 0.1961% | 5,474 |
| Pretax return on assets | 0.3345% | 5,323 |
| Return on Equity (ROE) | 1.5437% | 5,480 |
| Retained earnings to average equity (ytd only) | 1.5437% | 4,641 |
| Net charge-offs to loans | -0.1272% | 5,648 |
| Credit loss provision to net charge-offs | 7.3265% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7152% | 472 |
| Assets per employee ($millions) | 4.2815% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,471 |
| Loan loss allowance to noncurrent loans | 103.4885% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 1,319 |
| Noncurrent loans to loans | 1.5067% | 1,325 |
| Net loans and leases to total assets | 86.4839% | 209 |
| Net loans and leases to deposits | 99.5873% | 693 |
| Net loans and leases to core deposits | 115.5795% | 636 |
| Total domestic deposits to total assets | 86.8423% | 2,226 |
| Equity capital to assets | 12.4824% | 1,538 |
| Core capital (leverage) ratio | 13.3187% | 1,027 |
| Tier 1 risk-based capital ratio | 17.9551% | 1,858 |
| Total risk-based capital ratio | 19.2125% | 1,819 |
| Memoranda: | ||
| Average total assets | $726,562,800 | 988 |
| Average earning assets | $681,596,600 | 976 |
| Average equity | $92,309,200 | 865 |
| Average total loans | $611,431,000 | 817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 639 |
| Cost of funding earning assets | 0.8689% | 344 |
| Net interest margin | 4.0950% | 1,398 |
| Noninterest income to average assets | 0.3415% | 4,339 |
| Noninterest expense to average assets | 3.8415% | 722 |
| Loan and lease loss provision to assets | -0.0362% | 5,700 |
| Net operating income to assets | 0.2190% | 5,437 |
| Return on assets (ROA) | 0.2190% | 5,499 |
| Pretax return on assets | 0.3753% | 5,347 |
| Return on Equity (ROE) | 1.7162% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.7162% | 4,821 |
| Net charge-offs to loans | -0.1501% | 5,689 |
| Credit loss provision to net charge-offs | 28.9941% | 3,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4123% | 495 |
| Assets per employee ($millions) | 4.3310% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,501 |
| Loan loss allowance to noncurrent loans | 94.6788% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4294% | 1,284 |
| Noncurrent loans to loans | 1.6806% | 1,256 |
| Net loans and leases to total assets | 83.6986% | 436 |
| Net loans and leases to deposits | 96.2553% | 1,024 |
| Net loans and leases to core deposits | 110.8955% | 868 |
| Total domestic deposits to total assets | 86.9548% | 1,918 |
| Equity capital to assets | 12.5988% | 1,708 |
| Core capital (leverage) ratio | 13.4999% | 1,001 |
| Tier 1 risk-based capital ratio | 18.4412% | 1,801 |
| Total risk-based capital ratio | 19.6986% | 1,761 |
| Memoranda: | ||
| Average total assets | $721,957,750 | 995 |
| Average earning assets | $676,843,500 | 986 |
| Average equity | $92,138,500 | 873 |
| Average total loans | $600,665,000 | 825 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 585 |
| Cost of funding earning assets | 0.8686% | 340 |
| Net interest margin | 4.1390% | 1,263 |
| Noninterest income to average assets | 0.3380% | 4,360 |
| Noninterest expense to average assets | 3.8824% | 690 |
| Loan and lease loss provision to assets | -0.0870% | 5,866 |
| Net operating income to assets | 0.2521% | 5,425 |
| Return on assets (ROA) | 0.2521% | 5,492 |
| Pretax return on assets | 0.4214% | 5,302 |
| Return on Equity (ROE) | 1.9667% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.9667% | 4,579 |
| Net charge-offs to loans | -0.1976% | 5,807 |
| Credit loss provision to net charge-offs | 53.3333% | 2,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5945% | 518 |
| Assets per employee ($millions) | 4.1338% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,501 |
| Loan loss allowance to noncurrent loans | 95.4884% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 1,400 |
| Noncurrent loans to loans | 1.6873% | 1,259 |
| Net loans and leases to total assets | 81.8957% | 641 |
| Net loans and leases to deposits | 94.2129% | 1,272 |
| Net loans and leases to core deposits | 108.8211% | 991 |
| Total domestic deposits to total assets | 86.9262% | 1,949 |
| Equity capital to assets | 12.7142% | 1,652 |
| Core capital (leverage) ratio | 13.4568% | 1,001 |
| Tier 1 risk-based capital ratio | 18.6827% | 1,760 |
| Total risk-based capital ratio | 19.9402% | 1,722 |
| Memoranda: | ||
| Average total assets | $717,189,670 | 1,004 |
| Average earning assets | $672,099,000 | 996 |
| Average equity | $91,931,330 | 870 |
| Average total loans | $592,151,670 | 834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 448 |
| Cost of funding earning assets | 0.8591% | 367 |
| Net interest margin | 4.2966% | 937 |
| Noninterest income to average assets | 0.3039% | 4,551 |
| Noninterest expense to average assets | 3.9084% | 680 |
| Loan and lease loss provision to assets | -0.3073% | 6,052 |
| Net operating income to assets | 0.4539% | 4,816 |
| Return on assets (ROA) | 0.4539% | 4,901 |
| Pretax return on assets | 0.7292% | 4,421 |
| Return on Equity (ROE) | 3.5266% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.5266% | 3,729 |
| Net charge-offs to loans | -0.3587% | 5,959 |
| Credit loss provision to net charge-offs | 104.1905% | 1,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7898% | 684 |
| Assets per employee ($millions) | 4.1910% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,600 |
| Loan loss allowance to noncurrent loans | 88.6038% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 1,385 |
| Noncurrent loans to loans | 1.8087% | 1,229 |
| Net loans and leases to total assets | 80.5917% | 730 |
| Net loans and leases to deposits | 92.9612% | 1,231 |
| Net loans and leases to core deposits | 107.1028% | 1,013 |
| Total domestic deposits to total assets | 86.6939% | 2,360 |
| Equity capital to assets | 12.7944% | 1,513 |
| Core capital (leverage) ratio | 13.7985% | 864 |
| Tier 1 risk-based capital ratio | 19.3972% | 1,632 |
| Total risk-based capital ratio | 20.6549% | 1,601 |
| Memoranda: | ||
| Average total assets | $712,006,000 | 1,008 |
| Average earning assets | $667,223,500 | 997 |
| Average equity | $91,645,500 | 870 |
| Average total loans | $585,430,000 | 843 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 538 |
| Cost of funding earning assets | 0.8536% | 361 |
| Net interest margin | 4.2219% | 1,121 |
| Noninterest income to average assets | 0.3459% | 4,438 |
| Noninterest expense to average assets | 3.6836% | 999 |
| Loan and lease loss provision to assets | 0.0496% | 3,329 |
| Net operating income to assets | 0.3538% | 5,202 |
| Return on assets (ROA) | 0.3538% | 5,289 |
| Pretax return on assets | 0.5386% | 5,021 |
| Return on Equity (ROE) | 2.7861% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.7861% | 4,092 |
| Net charge-offs to loans | 0.0558% | 3,102 |
| Credit loss provision to net charge-offs | 111.0063% | 2,278 |
| Earnings coverage of net charge-offs (x) | 13.1635% | 2,394 |
| Efficiency ratio | 85.7575% | 1,013 |
| Assets per employee ($millions) | 4.0180% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,513 |
| Loan loss allowance to noncurrent loans | 74.0359% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 1,030 |
| Noncurrent loans to loans | 2.2069% | 897 |
| Net loans and leases to total assets | 81.2002% | 673 |
| Net loans and leases to deposits | 94.8278% | 1,127 |
| Net loans and leases to core deposits | 107.0486% | 1,044 |
| Total domestic deposits to total assets | 85.6291% | 2,799 |
| Equity capital to assets | 12.9505% | 1,377 |
| Core capital (leverage) ratio | 13.6714% | 915 |
| Tier 1 risk-based capital ratio | 19.4571% | 1,595 |
| Total risk-based capital ratio | 20.7151% | 1,558 |
| Memoranda: | ||
| Average total assets | $711,685,800 | 976 |
| Average earning assets | $661,786,000 | 963 |
| Average equity | $90,377,800 | 843 |
| Average total loans | $570,295,000 | 823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 533 |
| Cost of funding earning assets | 0.8488% | 377 |
| Net interest margin | 4.2354% | 1,090 |
| Noninterest income to average assets | 0.3422% | 4,493 |
| Noninterest expense to average assets | 3.6739% | 1,017 |
| Loan and lease loss provision to assets | 0.0480% | 3,243 |
| Net operating income to assets | 0.3674% | 5,273 |
| Return on assets (ROA) | 0.3674% | 5,349 |
| Pretax return on assets | 0.5518% | 5,089 |
| Return on Equity (ROE) | 2.9073% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.9073% | 4,379 |
| Net charge-offs to loans | 0.0357% | 3,196 |
| Credit loss provision to net charge-offs | 169.0789% | 1,540 |
| Earnings coverage of net charge-offs (x) | 21.1252% | 1,838 |
| Efficiency ratio | 85.4939% | 1,042 |
| Assets per employee ($millions) | 4.2328% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 1,566 |
| Loan loss allowance to noncurrent loans | 84.3174% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 1,409 |
| Noncurrent loans to loans | 1.9760% | 1,176 |
| Net loans and leases to total assets | 78.3607% | 1,049 |
| Net loans and leases to deposits | 94.7085% | 1,118 |
| Net loans and leases to core deposits | 106.5006% | 1,064 |
| Total domestic deposits to total assets | 82.7388% | 3,903 |
| Equity capital to assets | 12.6410% | 1,660 |
| Core capital (leverage) ratio | 13.3421% | 1,074 |
| Tier 1 risk-based capital ratio | 19.0480% | 1,762 |
| Total risk-based capital ratio | 20.3058% | 1,730 |
| Memoranda: | ||
| Average total assets | $713,818,000 | 980 |
| Average earning assets | $662,582,750 | 967 |
| Average equity | $90,206,750 | 850 |
| Average total loans | $567,756,500 | 834 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 495 |
| Cost of funding earning assets | 0.8415% | 397 |
| Net interest margin | 4.2651% | 985 |
| Noninterest income to average assets | 0.3672% | 4,315 |
| Noninterest expense to average assets | 3.6657% | 1,031 |
| Loan and lease loss provision to assets | 0.0545% | 3,021 |
| Net operating income to assets | 0.4166% | 5,090 |
| Return on assets (ROA) | 0.4166% | 5,191 |
| Pretax return on assets | 0.6026% | 4,968 |
| Return on Equity (ROE) | 3.2972% | 5,306 |
| Retained earnings to average equity (ytd only) | 3.2972% | 3,946 |
| Net charge-offs to loans | 0.0361% | 2,957 |
| Credit loss provision to net charge-offs | 190.1961% | 1,288 |
| Earnings coverage of net charge-offs (x) | 22.9314% | 1,623 |
| Efficiency ratio | 84.3309% | 1,227 |
| Assets per employee ($millions) | 4.3548% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,770 |
| Loan loss allowance to noncurrent loans | 61.4557% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1700% | 976 |
| Noncurrent loans to loans | 2.6744% | 812 |
| Net loans and leases to total assets | 78.9833% | 942 |
| Net loans and leases to deposits | 95.4387% | 1,007 |
| Net loans and leases to core deposits | 107.3059% | 1,004 |
| Total domestic deposits to total assets | 82.7581% | 4,044 |
| Equity capital to assets | 12.4686% | 1,679 |
| Core capital (leverage) ratio | 13.3364% | 1,037 |
| Tier 1 risk-based capital ratio | 18.5135% | 1,915 |
| Total risk-based capital ratio | 19.7708% | 1,877 |
| Memoranda: | ||
| Average total assets | $711,899,330 | 979 |
| Average earning assets | $660,242,670 | 975 |
| Average equity | $89,955,330 | 855 |
| Average total loans | $565,869,670 | 832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 446 |
| Cost of funding earning assets | 0.8373% | 408 |
| Net interest margin | 4.3081% | 861 |
| Noninterest income to average assets | 0.3494% | 4,402 |
| Noninterest expense to average assets | 3.7225% | 978 |
| Loan and lease loss provision to assets | -0.0068% | 6,092 |
| Net operating income to assets | 0.3109% | 5,374 |
| Return on assets (ROA) | 0.3109% | 5,476 |
| Pretax return on assets | 0.6223% | 4,850 |
| Return on Equity (ROE) | 2.4437% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.4437% | 4,473 |
| Net charge-offs to loans | 0.0573% | 2,183 |
| Credit loss provision to net charge-offs | -15.0000% | 4,323 |
| Earnings coverage of net charge-offs (x) | 13.5875% | 1,712 |
| Efficiency ratio | 85.3413% | 1,238 |
| Assets per employee ($millions) | 4.1069% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,832 |
| Loan loss allowance to noncurrent loans | 52.8973% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.5271% | 850 |
| Noncurrent loans to loans | 3.1494% | 654 |
| Net loans and leases to total assets | 78.1863% | 894 |
| Net loans and leases to deposits | 92.3830% | 1,144 |
| Net loans and leases to core deposits | 103.7848% | 1,076 |
| Total domestic deposits to total assets | 84.6328% | 3,569 |
| Equity capital to assets | 12.7594% | 1,535 |
| Core capital (leverage) ratio | 13.4505% | 989 |
| Tier 1 risk-based capital ratio | 18.8688% | 1,908 |
| Total risk-based capital ratio | 20.1260% | 1,864 |
| Memoranda: | ||
| Average total assets | $706,400,500 | 987 |
| Average earning assets | $654,022,000 | 983 |
| Average equity | $89,865,500 | 856 |
| Average total loans | $558,550,000 | 840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 405 |
| Cost of funding earning assets | 0.8659% | 470 |
| Net interest margin | 4.4978% | 753 |
| Noninterest income to average assets | 0.3829% | 4,316 |
| Noninterest expense to average assets | 3.5927% | 1,325 |
| Loan and lease loss provision to assets | 0.1648% | 1,591 |
| Net operating income to assets | 0.3532% | 5,370 |
| Return on assets (ROA) | 0.3532% | 5,439 |
| Pretax return on assets | 0.7707% | 4,363 |
| Return on Equity (ROE) | 2.8382% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.8382% | 4,218 |
| Net charge-offs to loans | 0.2963% | 1,488 |
| Credit loss provision to net charge-offs | 70.6691% | 3,059 |
| Earnings coverage of net charge-offs (x) | 4.0125% | 3,762 |
| Efficiency ratio | 78.8983% | 2,078 |
| Assets per employee ($millions) | 4.3074% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,770 |
| Loan loss allowance to noncurrent loans | 45.5088% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.9621% | 692 |
| Noncurrent loans to loans | 3.7381% | 527 |
| Net loans and leases to total assets | 77.2912% | 1,099 |
| Net loans and leases to deposits | 90.6776% | 1,446 |
| Net loans and leases to core deposits | 102.3425% | 1,226 |
| Total domestic deposits to total assets | 85.2374% | 3,192 |
| Equity capital to assets | 12.6838% | 1,550 |
| Core capital (leverage) ratio | 13.4569% | 984 |
| Tier 1 risk-based capital ratio | 19.0610% | 1,829 |
| Total risk-based capital ratio | 20.3189% | 1,792 |
| Memoranda: | ||
| Average total assets | $718,032,200 | 938 |
| Average earning assets | $661,770,400 | 930 |
| Average equity | $89,352,600 | 825 |
| Average total loans | $564,913,000 | 789 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 381 |
| Cost of funding earning assets | 0.8697% | 489 |
| Net interest margin | 4.5297% | 699 |
| Noninterest income to average assets | 0.3952% | 4,284 |
| Noninterest expense to average assets | 3.6141% | 1,271 |
| Loan and lease loss provision to assets | 0.2669% | 794 |
| Net operating income to assets | 0.3732% | 5,353 |
| Return on assets (ROA) | 0.3732% | 5,430 |
| Pretax return on assets | 0.6871% | 4,743 |
| Return on Equity (ROE) | 3.0133% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.0133% | 4,468 |
| Net charge-offs to loans | 0.4050% | 975 |
| Credit loss provision to net charge-offs | 83.7493% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.9936% | 3,769 |
| Efficiency ratio | 78.6802% | 2,092 |
| Assets per employee ($millions) | 4.2388% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7375% | 1,860 |
| Loan loss allowance to noncurrent loans | 31.7429% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 4.3758% | 427 |
| Noncurrent loans to loans | 5.4735% | 293 |
| Net loans and leases to total assets | 77.1770% | 1,068 |
| Net loans and leases to deposits | 90.8445% | 1,343 |
| Net loans and leases to core deposits | 102.8467% | 1,161 |
| Total domestic deposits to total assets | 84.9551% | 3,354 |
| Equity capital to assets | 12.7884% | 1,533 |
| Core capital (leverage) ratio | 13.3511% | 1,047 |
| Tier 1 risk-based capital ratio | 18.7926% | 1,959 |
| Total risk-based capital ratio | 20.0508% | 1,925 |
| Memoranda: | ||
| Average total assets | $720,936,750 | 942 |
| Average earning assets | $664,132,750 | 935 |
| Average equity | $89,290,750 | 822 |
| Average total loans | $567,280,000 | 779 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 328 |
| Cost of funding earning assets | 0.8721% | 498 |
| Net interest margin | 4.5929% | 596 |
| Noninterest income to average assets | 0.3805% | 4,397 |
| Noninterest expense to average assets | 3.5906% | 1,312 |
| Loan and lease loss provision to assets | 0.2449% | 909 |
| Net operating income to assets | 0.4299% | 5,100 |
| Return on assets (ROA) | 0.4299% | 5,187 |
| Pretax return on assets | 0.7713% | 4,380 |
| Return on Equity (ROE) | 3.5082% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.5082% | 3,970 |
| Net charge-offs to loans | 0.4567% | 889 |
| Credit loss provision to net charge-offs | 68.0982% | 2,502 |
| Earnings coverage of net charge-offs (x) | 2.8259% | 3,458 |
| Efficiency ratio | 77.5111% | 2,371 |
| Assets per employee ($millions) | 4.2522% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6811% | 2,177 |
| Loan loss allowance to noncurrent loans | 22.8295% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 5.8463% | 264 |
| Noncurrent loans to loans | 7.3639% | 158 |
| Net loans and leases to total assets | 77.0525% | 1,045 |
| Net loans and leases to deposits | 90.3600% | 1,337 |
| Net loans and leases to core deposits | 101.7313% | 1,153 |
| Total domestic deposits to total assets | 85.2728% | 3,374 |
| Equity capital to assets | 12.4997% | 1,639 |
| Core capital (leverage) ratio | 13.0060% | 1,153 |
| Tier 1 risk-based capital ratio | 18.2322% | 2,157 |
| Total risk-based capital ratio | 19.4897% | 2,116 |
| Memoranda: | ||
| Average total assets | $725,287,000 | 935 |
| Average earning assets | $667,383,330 | 930 |
| Average equity | $88,878,670 | 820 |
| Average total loans | $571,045,000 | 764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 274 |
| Cost of funding earning assets | 0.8925% | 475 |
| Net interest margin | 4.6461% | 514 |
| Noninterest income to average assets | 0.3243% | 4,772 |
| Noninterest expense to average assets | 3.5530% | 1,393 |
| Loan and lease loss provision to assets | 0.6447% | 193 |
| Net operating income to assets | 0.2219% | 5,739 |
| Return on assets (ROA) | 0.2219% | 5,791 |
| Pretax return on assets | 0.4085% | 5,426 |
| Return on Equity (ROE) | 1.8289% | 5,831 |
| Retained earnings to average equity (ytd only) | 1.8289% | 4,867 |
| Net charge-offs to loans | 0.8533% | 407 |
| Credit loss provision to net charge-offs | 95.7482% | 1,739 |
| Earnings coverage of net charge-offs (x) | 1.5642% | 3,068 |
| Efficiency ratio | 76.7033% | 2,689 |
| Assets per employee ($millions) | 4.3254% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7366% | 2,227 |
| Loan loss allowance to noncurrent loans | 21.5509% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 6.4020% | 255 |
| Noncurrent loans to loans | 8.0582% | 161 |
| Net loans and leases to total assets | 77.4563% | 826 |
| Net loans and leases to deposits | 90.6143% | 1,080 |
| Net loans and leases to core deposits | 102.1019% | 981 |
| Total domestic deposits to total assets | 85.4792% | 3,624 |
| Equity capital to assets | 12.2612% | 1,709 |
| Core capital (leverage) ratio | 12.8514% | 1,222 |
| Tier 1 risk-based capital ratio | 18.0108% | 2,291 |
| Total risk-based capital ratio | 19.2691% | 2,266 |
| Memoranda: | ||
| Average total assets | $726,490,000 | 937 |
| Average earning assets | $669,545,500 | 930 |
| Average equity | $88,139,000 | 832 |
| Average total loans | $573,306,500 | 767 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 437 |
| Cost of funding earning assets | 1.1184% | 255 |
| Net interest margin | 4.2787% | 1,156 |
| Noninterest income to average assets | 0.4160% | 4,334 |
| Noninterest expense to average assets | 3.3043% | 2,136 |
| Loan and lease loss provision to assets | 0.4589% | 629 |
| Net operating income to assets | 0.3288% | 5,417 |
| Return on assets (ROA) | 0.3288% | 5,525 |
| Pretax return on assets | 0.5987% | 4,874 |
| Return on Equity (ROE) | 2.8316% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.8316% | 4,228 |
| Net charge-offs to loans | 0.6042% | 1,085 |
| Credit loss provision to net charge-offs | 96.7250% | 2,583 |
| Earnings coverage of net charge-offs (x) | 2.2292% | 4,278 |
| Efficiency ratio | 75.3124% | 2,895 |
| Assets per employee ($millions) | 4.3491% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,328 |
| Loan loss allowance to noncurrent loans | 18.8794% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 7.3509% | 224 |
| Noncurrent loans to loans | 9.1211% | 136 |
| Net loans and leases to total assets | 77.6425% | 867 |
| Net loans and leases to deposits | 90.1380% | 1,230 |
| Net loans and leases to core deposits | 101.7506% | 1,046 |
| Total domestic deposits to total assets | 86.1373% | 3,183 |
| Equity capital to assets | 12.0046% | 1,806 |
| Core capital (leverage) ratio | 12.6458% | 1,286 |
| Tier 1 risk-based capital ratio | 17.5131% | 2,409 |
| Total risk-based capital ratio | 18.7708% | 2,383 |
| Memoranda: | ||
| Average total assets | $746,631,400 | 892 |
| Average earning assets | $688,550,000 | 878 |
| Average equity | $86,698,800 | 816 |
| Average total loans | $586,268,600 | 711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 423 |
| Cost of funding earning assets | 1.1356% | 257 |
| Net interest margin | 4.2857% | 1,125 |
| Noninterest income to average assets | 0.3265% | 5,076 |
| Noninterest expense to average assets | 3.2610% | 2,173 |
| Loan and lease loss provision to assets | 0.3286% | 1,007 |
| Net operating income to assets | 0.3947% | 5,264 |
| Return on assets (ROA) | 0.3947% | 5,403 |
| Pretax return on assets | 0.6901% | 4,720 |
| Return on Equity (ROE) | 3.4271% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.4271% | 4,246 |
| Net charge-offs to loans | 0.3745% | 1,702 |
| Credit loss provision to net charge-offs | 111.9177% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.4695% | 3,690 |
| Efficiency ratio | 75.7491% | 2,761 |
| Assets per employee ($millions) | 4.2885% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 2,419 |
| Loan loss allowance to noncurrent loans | 16.9203% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 8.3586% | 209 |
| Noncurrent loans to loans | 10.4094% | 118 |
| Net loans and leases to total assets | 77.5295% | 803 |
| Net loans and leases to deposits | 89.7353% | 1,198 |
| Net loans and leases to core deposits | 101.3948% | 1,033 |
| Total domestic deposits to total assets | 86.3980% | 3,029 |
| Equity capital to assets | 11.6365% | 2,180 |
| Core capital (leverage) ratio | 12.3853% | 1,481 |
| Tier 1 risk-based capital ratio | 17.0455% | 2,689 |
| Total risk-based capital ratio | 18.3037% | 2,651 |
| Memoranda: | ||
| Average total assets | $750,628,250 | 897 |
| Average earning assets | $692,392,750 | 878 |
| Average equity | $86,445,750 | 820 |
| Average total loans | $588,528,250 | 710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4214% | 430 |
| Cost of funding earning assets | 1.1472% | 264 |
| Net interest margin | 4.2742% | 1,082 |
| Noninterest income to average assets | 0.3155% | 5,178 |
| Noninterest expense to average assets | 3.1962% | 2,365 |
| Loan and lease loss provision to assets | 0.3658% | 901 |
| Net operating income to assets | 0.4178% | 5,151 |
| Return on assets (ROA) | 0.4178% | 5,304 |
| Pretax return on assets | 0.7007% | 4,680 |
| Return on Equity (ROE) | 3.6399% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.6399% | 3,995 |
| Net charge-offs to loans | 0.0599% | 3,847 |
| Credit loss provision to net charge-offs | 780.2260% | 387 |
| Earnings coverage of net charge-offs (x) | 22.7458% | 1,355 |
| Efficiency ratio | 74.5323% | 3,023 |
| Assets per employee ($millions) | 4.3776% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,061 |
| Loan loss allowance to noncurrent loans | 19.5303% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 7.8988% | 263 |
| Noncurrent loans to loans | 9.8261% | 164 |
| Net loans and leases to total assets | 77.3230% | 824 |
| Net loans and leases to deposits | 88.3602% | 1,299 |
| Net loans and leases to core deposits | 100.1922% | 1,064 |
| Total domestic deposits to total assets | 87.5088% | 2,535 |
| Equity capital to assets | 11.6849% | 2,141 |
| Core capital (leverage) ratio | 12.2889% | 1,458 |
| Tier 1 risk-based capital ratio | 17.0134% | 2,709 |
| Total risk-based capital ratio | 18.2738% | 2,677 |
| Memoranda: | ||
| Average total assets | $754,962,670 | 889 |
| Average earning assets | $697,203,000 | 871 |
| Average equity | $86,649,670 | 819 |
| Average total loans | $590,661,000 | 706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 425 |
| Cost of funding earning assets | 1.1597% | 275 |
| Net interest margin | 4.2567% | 1,056 |
| Noninterest income to average assets | 0.3630% | 4,760 |
| Noninterest expense to average assets | 3.0760% | 2,746 |
| Loan and lease loss provision to assets | 0.3120% | 1,091 |
| Net operating income to assets | 0.5455% | 4,471 |
| Return on assets (ROA) | 0.5455% | 4,623 |
| Pretax return on assets | 0.9122% | 3,715 |
| Return on Equity (ROE) | 4.7957% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.7957% | 3,361 |
| Net charge-offs to loans | -0.0202% | 5,715 |
| Credit loss provision to net charge-offs | -1,976.6667% | 5,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0913% | 3,774 |
| Assets per employee ($millions) | 4.6009% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,593 |
| Loan loss allowance to noncurrent loans | 18.4745% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 7.7724% | 327 |
| Noncurrent loans to loans | 9.7869% | 221 |
| Net loans and leases to total assets | 76.3947% | 791 |
| Net loans and leases to deposits | 87.0329% | 1,246 |
| Net loans and leases to core deposits | 98.3346% | 1,053 |
| Total domestic deposits to total assets | 87.7768% | 2,474 |
| Equity capital to assets | 11.4394% | 2,473 |
| Core capital (leverage) ratio | 11.9714% | 1,584 |
| Tier 1 risk-based capital ratio | 16.7195% | 2,898 |
| Total risk-based capital ratio | 17.9784% | 2,865 |
| Memoranda: | ||
| Average total assets | $760,345,000 | 894 |
| Average earning assets | $703,270,500 | 875 |
| Average equity | $86,495,000 | 829 |
| Average total loans | $592,644,000 | 703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7917% | 371 |
| Cost of funding earning assets | 1.3400% | 320 |
| Net interest margin | 4.4517% | 1,041 |
| Noninterest income to average assets | 0.3977% | 4,630 |
| Noninterest expense to average assets | 3.1345% | 2,830 |
| Loan and lease loss provision to assets | 0.6712% | 789 |
| Net operating income to assets | 0.5350% | 4,544 |
| Return on assets (ROA) | 0.5350% | 4,807 |
| Pretax return on assets | 0.7213% | 4,590 |
| Return on Equity (ROE) | 4.8019% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.8019% | 2,848 |
| Net charge-offs to loans | 0.4832% | 2,304 |
| Credit loss provision to net charge-offs | 174.0841% | 1,514 |
| Earnings coverage of net charge-offs (x) | 3.6116% | 3,660 |
| Efficiency ratio | 68.8257% | 3,999 |
| Assets per employee ($millions) | 4.5330% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 2,963 |
| Loan loss allowance to noncurrent loans | 16.3133% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 8.2521% | 328 |
| Noncurrent loans to loans | 10.3661% | 216 |
| Net loans and leases to total assets | 76.7659% | 826 |
| Net loans and leases to deposits | 87.3471% | 1,347 |
| Net loans and leases to core deposits | 98.5019% | 1,110 |
| Total domestic deposits to total assets | 87.8861% | 2,300 |
| Equity capital to assets | 11.3123% | 2,616 |
| Core capital (leverage) ratio | 11.7931% | 1,668 |
| Tier 1 risk-based capital ratio | 16.6215% | 2,830 |
| Total risk-based capital ratio | 17.8791% | 2,802 |
| Memoranda: | ||
| Average total assets | $764,642,600 | 873 |
| Average earning assets | $709,262,000 | 850 |
| Average equity | $85,196,200 | 826 |
| Average total loans | $610,133,000 | 680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0057% | 279 |
| Cost of funding earning assets | 1.3680% | 336 |
| Net interest margin | 4.6377% | 765 |
| Noninterest income to average assets | 0.4149% | 4,521 |
| Noninterest expense to average assets | 3.2330% | 2,474 |
| Loan and lease loss provision to assets | 0.3008% | 2,193 |
| Net operating income to assets | 0.6618% | 4,082 |
| Return on assets (ROA) | 0.6618% | 4,352 |
| Pretax return on assets | 1.1871% | 3,029 |
| Return on Equity (ROE) | 5.9620% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.9620% | 2,717 |
| Net charge-offs to loans | 0.2043% | 3,509 |
| Credit loss provision to net charge-offs | 183.5282% | 1,514 |
| Earnings coverage of net charge-offs (x) | 9.0775% | 2,369 |
| Efficiency ratio | 68.0835% | 4,041 |
| Assets per employee ($millions) | 4.5687% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 4,243 |
| Loan loss allowance to noncurrent loans | 17.5466% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 6.6055% | 560 |
| Noncurrent loans to loans | 8.1501% | 376 |
| Net loans and leases to total assets | 77.2914% | 819 |
| Net loans and leases to deposits | 87.8583% | 1,369 |
| Net loans and leases to core deposits | 98.3834% | 1,236 |
| Total domestic deposits to total assets | 87.9727% | 2,057 |
| Equity capital to assets | 11.2539% | 2,970 |
| Core capital (leverage) ratio | 11.5897% | 1,923 |
| Tier 1 risk-based capital ratio | 16.3764% | 3,078 |
| Total risk-based capital ratio | 17.6307% | 3,038 |
| Memoranda: | ||
| Average total assets | $765,417,250 | 875 |
| Average earning assets | $710,679,250 | 852 |
| Average equity | $84,958,250 | 828 |
| Average total loans | $614,000,750 | 674 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1795% | 228 |
| Cost of funding earning assets | 1.3983% | 349 |
| Net interest margin | 4.7812% | 578 |
| Noninterest income to average assets | 0.4473% | 4,315 |
| Noninterest expense to average assets | 3.2718% | 2,383 |
| Loan and lease loss provision to assets | 0.3685% | 1,783 |
| Net operating income to assets | 0.6952% | 3,896 |
| Return on assets (ROA) | 0.6952% | 4,158 |
| Pretax return on assets | 1.2416% | 2,760 |
| Return on Equity (ROE) | 6.2932% | 4,163 |
| Retained earnings to average equity (ytd only) | 6.2932% | 2,506 |
| Net charge-offs to loans | 0.2821% | 2,908 |
| Credit loss provision to net charge-offs | 161.6092% | 1,725 |
| Earnings coverage of net charge-offs (x) | 7.0621% | 2,531 |
| Efficiency ratio | 66.6327% | 4,401 |
| Assets per employee ($millions) | 4.4644% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 4,553 |
| Loan loss allowance to noncurrent loans | 15.9164% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 7.2077% | 530 |
| Noncurrent loans to loans | 8.6369% | 375 |
| Net loans and leases to total assets | 78.4263% | 677 |
| Net loans and leases to deposits | 88.9410% | 1,263 |
| Net loans and leases to core deposits | 99.2451% | 1,152 |
| Total domestic deposits to total assets | 88.1779% | 2,030 |
| Equity capital to assets | 11.1726% | 2,924 |
| Core capital (leverage) ratio | 11.5001% | 1,908 |
| Tier 1 risk-based capital ratio | 15.9816% | 3,176 |
| Total risk-based capital ratio | 17.2351% | 3,143 |
| Memoranda: | ||
| Average total assets | $763,188,670 | 874 |
| Average earning assets | $707,857,670 | 852 |
| Average equity | $84,313,670 | 825 |
| Average total loans | $616,858,670 | 674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2511% | 219 |
| Cost of funding earning assets | 1.4204% | 391 |
| Net interest margin | 4.8306% | 530 |
| Noninterest income to average assets | 0.4106% | 4,589 |
| Noninterest expense to average assets | 3.3678% | 2,095 |
| Loan and lease loss provision to assets | 0.3943% | 1,604 |
| Net operating income to assets | 0.5993% | 4,341 |
| Return on assets (ROA) | 0.5993% | 4,562 |
| Pretax return on assets | 1.1308% | 3,195 |
| Return on Equity (ROE) | 5.4562% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.4562% | 3,285 |
| Net charge-offs to loans | 0.1839% | 3,004 |
| Credit loss provision to net charge-offs | 263.1579% | 1,101 |
| Earnings coverage of net charge-offs (x) | 10.1789% | 1,776 |
| Efficiency ratio | 68.8299% | 4,010 |
| Assets per employee ($millions) | 4.4857% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 4,836 |
| Loan loss allowance to noncurrent loans | 15.7814% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 7.2696% | 569 |
| Noncurrent loans to loans | 8.5039% | 428 |
| Net loans and leases to total assets | 80.3702% | 375 |
| Net loans and leases to deposits | 90.9858% | 873 |
| Net loans and leases to core deposits | 101.6413% | 882 |
| Total domestic deposits to total assets | 88.3327% | 2,108 |
| Equity capital to assets | 11.0278% | 2,874 |
| Core capital (leverage) ratio | 11.3773% | 1,983 |
| Tier 1 risk-based capital ratio | 16.1372% | 3,102 |
| Total risk-based capital ratio | 17.1728% | 3,183 |
| Memoranda: | ||
| Average total assets | $760,845,000 | 877 |
| Average earning assets | $705,993,000 | 854 |
| Average equity | $83,574,500 | 827 |
| Average total loans | $619,982,500 | 672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2931% | 259 |
| Cost of funding earning assets | 1.5907% | 493 |
| Net interest margin | 4.7024% | 753 |
| Noninterest income to average assets | 0.4830% | 3,973 |
| Noninterest expense to average assets | 3.2996% | 2,522 |
| Loan and lease loss provision to assets | 0.4405% | 2,391 |
| Net operating income to assets | 0.6360% | 3,804 |
| Return on assets (ROA) | 0.6360% | 4,002 |
| Pretax return on assets | 1.1385% | 2,699 |
| Return on Equity (ROE) | 5.8919% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.8919% | 2,084 |
| Net charge-offs to loans | 0.9396% | 1,850 |
| Credit loss provision to net charge-offs | 56.5062% | 5,261 |
| Earnings coverage of net charge-offs (x) | 2.0253% | 4,256 |
| Efficiency ratio | 67.4359% | 4,480 |
| Assets per employee ($millions) | 4.5456% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7205% | 6,878 |
| Loan loss allowance to noncurrent loans | 9.3870% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 6.5997% | 711 |
| Noncurrent loans to loans | 7.6754% | 535 |
| Net loans and leases to total assets | 80.9215% | 412 |
| Net loans and leases to deposits | 91.9035% | 979 |
| Net loans and leases to core deposits | 102.3523% | 1,000 |
| Total domestic deposits to total assets | 88.0504% | 2,119 |
| Equity capital to assets | 10.9409% | 3,038 |
| Core capital (leverage) ratio | 11.2805% | 2,055 |
| Tier 1 risk-based capital ratio | 16.0080% | 3,045 |
| Total risk-based capital ratio | 16.8426% | 3,226 |
| Memoranda: | ||
| Average total assets | $754,091,400 | 874 |
| Average earning assets | $704,900,000 | 850 |
| Average equity | $81,399,600 | 820 |
| Average total loans | $625,714,400 | 662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3918% | 230 |
| Cost of funding earning assets | 1.6097% | 553 |
| Net interest margin | 4.7821% | 647 |
| Noninterest income to average assets | 0.4923% | 3,929 |
| Noninterest expense to average assets | 3.3467% | 2,360 |
| Loan and lease loss provision to assets | 0.4647% | 2,130 |
| Net operating income to assets | 0.6613% | 3,815 |
| Return on assets (ROA) | 0.6613% | 3,990 |
| Pretax return on assets | 1.1547% | 2,806 |
| Return on Equity (ROE) | 6.1474% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.1474% | 2,463 |
| Net charge-offs to loans | 0.8874% | 1,799 |
| Credit loss provision to net charge-offs | 62.8352% | 4,711 |
| Earnings coverage of net charge-offs (x) | 2.1897% | 4,032 |
| Efficiency ratio | 67.2587% | 4,474 |
| Assets per employee ($millions) | 4.5603% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,648 |
| Loan loss allowance to noncurrent loans | 12.7055% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 5.8706% | 925 |
| Noncurrent loans to loans | 6.9594% | 716 |
| Net loans and leases to total assets | 80.4084% | 480 |
| Net loans and leases to deposits | 90.7119% | 1,136 |
| Net loans and leases to core deposits | 100.8224% | 1,179 |
| Total domestic deposits to total assets | 88.6415% | 1,667 |
| Equity capital to assets | 10.8949% | 3,241 |
| Core capital (leverage) ratio | 11.1029% | 2,313 |
| Tier 1 risk-based capital ratio | 15.6717% | 3,293 |
| Total risk-based capital ratio | 16.6860% | 3,395 |
| Memoranda: | ||
| Average total assets | $752,835,500 | 880 |
| Average earning assets | $704,301,500 | 856 |
| Average equity | $80,986,000 | 831 |
| Average total loans | $627,456,750 | 669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3551% | 256 |
| Cost of funding earning assets | 1.6131% | 662 |
| Net interest margin | 4.7420% | 667 |
| Noninterest income to average assets | 0.5539% | 3,449 |
| Noninterest expense to average assets | 3.2630% | 2,690 |
| Loan and lease loss provision to assets | 0.4840% | 2,037 |
| Net operating income to assets | 0.7123% | 3,481 |
| Return on assets (ROA) | 0.7123% | 3,594 |
| Pretax return on assets | 1.2444% | 2,327 |
| Return on Equity (ROE) | 6.6506% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.6506% | 2,050 |
| Net charge-offs to loans | 1.3969% | 1,088 |
| Credit loss provision to net charge-offs | 41.2032% | 4,798 |
| Earnings coverage of net charge-offs (x) | 1.4713% | 4,182 |
| Efficiency ratio | 65.3719% | 4,987 |
| Assets per employee ($millions) | 4.6425% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 6,997 |
| Loan loss allowance to noncurrent loans | 9.2754% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 6.4888% | 822 |
| Noncurrent loans to loans | 7.7255% | 609 |
| Net loans and leases to total assets | 80.5257% | 490 |
| Net loans and leases to deposits | 90.7563% | 1,190 |
| Net loans and leases to core deposits | 100.7805% | 1,273 |
| Total domestic deposits to total assets | 88.7274% | 1,702 |
| Equity capital to assets | 10.7456% | 3,234 |
| Core capital (leverage) ratio | 10.9592% | 2,287 |
| Tier 1 risk-based capital ratio | 15.5680% | 3,206 |
| Total risk-based capital ratio | 16.3949% | 3,389 |
| Memoranda: | ||
| Average total assets | $749,924,000 | 892 |
| Average earning assets | $701,764,330 | 871 |
| Average equity | $80,324,000 | 837 |
| Average total loans | $630,666,000 | 678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5582% | 195 |
| Cost of funding earning assets | 1.6188% | 763 |
| Net interest margin | 4.9394% | 425 |
| Noninterest income to average assets | 0.3375% | 5,208 |
| Noninterest expense to average assets | 3.3964% | 2,290 |
| Loan and lease loss provision to assets | 0.4569% | 1,926 |
| Net operating income to assets | 0.6246% | 3,896 |
| Return on assets (ROA) | 0.6246% | 3,964 |
| Pretax return on assets | 1.1126% | 2,714 |
| Return on Equity (ROE) | 5.8407% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.8407% | 2,732 |
| Net charge-offs to loans | 0.0653% | 4,272 |
| Credit loss provision to net charge-offs | 817.3077% | 472 |
| Earnings coverage of net charge-offs (x) | 28.0769% | 873 |
| Efficiency ratio | 68.3948% | 4,580 |
| Assets per employee ($millions) | 4.4416% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,495 |
| Loan loss allowance to noncurrent loans | 21.3688% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 4.9617% | 1,270 |
| Noncurrent loans to loans | 5.7432% | 1,130 |
| Net loans and leases to total assets | 83.5566% | 247 |
| Net loans and leases to deposits | 94.0928% | 811 |
| Net loans and leases to core deposits | 104.0109% | 1,062 |
| Total domestic deposits to total assets | 88.8024% | 1,897 |
| Equity capital to assets | 10.6804% | 3,007 |
| Core capital (leverage) ratio | 11.0041% | 2,188 |
| Tier 1 risk-based capital ratio | 15.8559% | 2,971 |
| Total risk-based capital ratio | 17.1088% | 2,939 |
| Memoranda: | ||
| Average total assets | $744,201,500 | 902 |
| Average earning assets | $697,326,500 | 874 |
| Average equity | $79,579,000 | 838 |
| Average total loans | $637,237,500 | 672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8379% | 189 |
| Cost of funding earning assets | 1.7833% | 1,236 |
| Net interest margin | 5.0546% | 385 |
| Noninterest income to average assets | 0.4610% | 4,435 |
| Noninterest expense to average assets | 3.4680% | 2,257 |
| Loan and lease loss provision to assets | 0.3495% | 4,032 |
| Net operating income to assets | 1.1864% | 1,445 |
| Return on assets (ROA) | 1.1862% | 1,524 |
| Pretax return on assets | 1.3708% | 1,738 |
| Return on Equity (ROE) | 11.4572% | 1,467 |
| Retained earnings to average equity (ytd only) | 11.4572% | 333 |
| Net charge-offs to loans | 0.2911% | 4,559 |
| Credit loss provision to net charge-offs | 135.7258% | 2,850 |
| Earnings coverage of net charge-offs (x) | 6.6816% | 2,306 |
| Efficiency ratio | 66.8416% | 4,788 |
| Assets per employee ($millions) | 4.4987% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,946 |
| Loan loss allowance to noncurrent loans | 16.8190% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 5.6783% | 1,081 |
| Noncurrent loans to loans | 6.5510% | 909 |
| Net loans and leases to total assets | 85.7221% | 200 |
| Net loans and leases to deposits | 96.4813% | 825 |
| Net loans and leases to core deposits | 106.2184% | 1,180 |
| Total domestic deposits to total assets | 88.8484% | 1,747 |
| Equity capital to assets | 10.7062% | 2,952 |
| Core capital (leverage) ratio | 11.0377% | 2,132 |
| Tier 1 risk-based capital ratio | 15.5303% | 2,986 |
| Total risk-based capital ratio | 16.7814% | 2,949 |
| Memoranda: | ||
| Average total assets | $719,664,800 | 927 |
| Average earning assets | $673,074,400 | 909 |
| Average equity | $74,512,000 | 885 |
| Average total loans | $636,649,600 | 693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8392% | 189 |
| Cost of funding earning assets | 1.8111% | 1,373 |
| Net interest margin | 5.0280% | 407 |
| Noninterest income to average assets | 0.3626% | 5,257 |
| Noninterest expense to average assets | 3.2875% | 2,612 |
| Loan and lease loss provision to assets | 0.3740% | 3,649 |
| Net operating income to assets | 0.7699% | 3,132 |
| Return on assets (ROA) | 0.7698% | 3,288 |
| Pretax return on assets | 1.3996% | 1,877 |
| Return on Equity (ROE) | 7.5010% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.5010% | 1,596 |
| Net charge-offs to loans | 0.1595% | 5,045 |
| Credit loss provision to net charge-offs | 263.6005% | 1,250 |
| Earnings coverage of net charge-offs (x) | 12.5020% | 1,676 |
| Efficiency ratio | 64.9538% | 5,062 |
| Assets per employee ($millions) | 4.7616% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,575 |
| Loan loss allowance to noncurrent loans | 16.8444% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 6.3000% | 915 |
| Noncurrent loans to loans | 7.0242% | 801 |
| Net loans and leases to total assets | 88.6280% | 91 |
| Net loans and leases to deposits | 100.5967% | 614 |
| Net loans and leases to core deposits | 111.5365% | 955 |
| Total domestic deposits to total assets | 88.1023% | 1,902 |
| Equity capital to assets | 10.4894% | 3,533 |
| Core capital (leverage) ratio | 10.7138% | 2,502 |
| Tier 1 risk-based capital ratio | 14.6885% | 3,402 |
| Total risk-based capital ratio | 15.9410% | 3,375 |
| Memoranda: | ||
| Average total assets | $715,136,250 | 936 |
| Average earning assets | $668,292,250 | 918 |
| Average equity | $73,393,000 | 904 |
| Average total loans | $635,940,500 | 695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8426% | 190 |
| Cost of funding earning assets | 1.8339% | 1,514 |
| Net interest margin | 5.0088% | 412 |
| Noninterest income to average assets | 0.3687% | 5,191 |
| Noninterest expense to average assets | 3.2632% | 2,679 |
| Loan and lease loss provision to assets | 0.3690% | 3,493 |
| Net operating income to assets | 0.7872% | 3,031 |
| Return on assets (ROA) | 0.7870% | 3,180 |
| Pretax return on assets | 1.4140% | 1,805 |
| Return on Equity (ROE) | 7.7258% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.7258% | 1,538 |
| Net charge-offs to loans | 0.1867% | 4,493 |
| Credit loss provision to net charge-offs | 222.8426% | 1,747 |
| Earnings coverage of net charge-offs (x) | 10.7699% | 1,842 |
| Efficiency ratio | 64.6624% | 5,216 |
| Assets per employee ($millions) | 4.3050% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,936 |
| Loan loss allowance to noncurrent loans | 18.4191% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 5.4059% | 1,149 |
| Noncurrent loans to loans | 5.9704% | 1,073 |
| Net loans and leases to total assets | 89.5498% | 92 |
| Net loans and leases to deposits | 102.6347% | 560 |
| Net loans and leases to core deposits | 114.3302% | 903 |
| Total domestic deposits to total assets | 87.2510% | 2,405 |
| Equity capital to assets | 10.4996% | 3,408 |
| Core capital (leverage) ratio | 10.7247% | 2,451 |
| Tier 1 risk-based capital ratio | 14.9137% | 3,202 |
| Total risk-based capital ratio | 16.1654% | 3,170 |
| Memoranda: | ||
| Average total assets | $713,847,330 | 943 |
| Average earning assets | $666,672,330 | 928 |
| Average equity | $72,717,670 | 910 |
| Average total loans | $632,964,670 | 704 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0794% | 157 |
| Cost of funding earning assets | 1.8431% | 1,684 |
| Net interest margin | 5.2363% | 269 |
| Noninterest income to average assets | 0.3561% | 5,287 |
| Noninterest expense to average assets | 3.2150% | 2,802 |
| Loan and lease loss provision to assets | 0.4219% | 2,845 |
| Net operating income to assets | 0.8859% | 2,609 |
| Return on assets (ROA) | 0.8855% | 2,676 |
| Pretax return on assets | 1.6061% | 1,252 |
| Return on Equity (ROE) | 8.8264% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.8264% | 1,449 |
| Net charge-offs to loans | 0.1334% | 4,152 |
| Credit loss provision to net charge-offs | 360.4762% | 1,124 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,287 |
| Efficiency ratio | 61.3136% | 5,945 |
| Assets per employee ($millions) | 4.6602% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 6,083 |
| Loan loss allowance to noncurrent loans | 27.5185% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 3.5212% | 1,998 |
| Noncurrent loans to loans | 3.9415% | 2,004 |
| Net loans and leases to total assets | 87.0568% | 162 |
| Net loans and leases to deposits | 101.5874% | 663 |
| Net loans and leases to core deposits | 113.6367% | 1,057 |
| Total domestic deposits to total assets | 85.6965% | 3,316 |
| Equity capital to assets | 10.1461% | 3,674 |
| Core capital (leverage) ratio | 10.3799% | 2,737 |
| Tier 1 risk-based capital ratio | 15.2111% | 3,000 |
| Total risk-based capital ratio | 16.4628% | 2,962 |
| Memoranda: | ||
| Average total assets | $717,758,000 | 958 |
| Average earning assets | $669,944,500 | 941 |
| Average equity | $72,011,500 | 923 |
| Average total loans | $629,809,500 | 730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9437% | 302 |
| Cost of funding earning assets | 2.4224% | 1,236 |
| Net interest margin | 4.5213% | 1,133 |
| Noninterest income to average assets | 0.4236% | 5,018 |
| Noninterest expense to average assets | 3.2166% | 3,322 |
| Loan and lease loss provision to assets | 0.2383% | 5,467 |
| Net operating income to assets | 0.6051% | 3,308 |
| Return on assets (ROA) | 0.6051% | 3,380 |
| Pretax return on assets | 1.1851% | 1,998 |
| Return on Equity (ROE) | 6.2463% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.2463% | 1,252 |
| Net charge-offs to loans | 0.2183% | 5,258 |
| Credit loss provision to net charge-offs | 124.1611% | 4,233 |
| Earnings coverage of net charge-offs (x) | 7.4154% | 2,153 |
| Efficiency ratio | 69.3228% | 4,765 |
| Assets per employee ($millions) | 4.5147% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,357 |
| Loan loss allowance to noncurrent loans | 19.9153% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 4.4780% | 1,441 |
| Noncurrent loans to loans | 5.0406% | 1,338 |
| Net loans and leases to total assets | 86.6040% | 241 |
| Net loans and leases to deposits | 102.2117% | 741 |
| Net loans and leases to core deposits | 156.4856% | 386 |
| Total domestic deposits to total assets | 84.7300% | 3,694 |
| Equity capital to assets | 9.9196% | 3,875 |
| Core capital (leverage) ratio | 10.1556% | 2,946 |
| Tier 1 risk-based capital ratio | 14.6431% | 3,134 |
| Total risk-based capital ratio | 15.8934% | 3,088 |
| Memoranda: | ||
| Average total assets | $698,600,400 | 984 |
| Average earning assets | $651,493,400 | 955 |
| Average equity | $67,672,000 | 974 |
| Average total loans | $614,219,000 | 762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9323% | 336 |
| Cost of funding earning assets | 2.5353% | 1,191 |
| Net interest margin | 4.3969% | 1,446 |
| Noninterest income to average assets | 0.4272% | 5,071 |
| Noninterest expense to average assets | 3.2184% | 3,237 |
| Loan and lease loss provision to assets | 0.1756% | 5,605 |
| Net operating income to assets | 0.5954% | 3,617 |
| Return on assets (ROA) | 0.5954% | 3,679 |
| Pretax return on assets | 1.1329% | 2,469 |
| Return on Equity (ROE) | 6.1846% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.1846% | 1,857 |
| Net charge-offs to loans | 0.1908% | 4,877 |
| Credit loss provision to net charge-offs | 104.5767% | 4,860 |
| Earnings coverage of net charge-offs (x) | 7.7906% | 2,347 |
| Efficiency ratio | 71.0944% | 4,407 |
| Assets per employee ($millions) | 4.3310% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 6,474 |
| Loan loss allowance to noncurrent loans | 17.8818% | 7,202 |
| Noncurrent assets plus other real estate owned to assets | 4.8670% | 1,212 |
| Noncurrent loans to loans | 5.3845% | 1,177 |
| Net loans and leases to total assets | 88.2399% | 194 |
| Net loans and leases to deposits | 102.9388% | 854 |
| Net loans and leases to core deposits | 156.4775% | 452 |
| Total domestic deposits to total assets | 85.7207% | 2,848 |
| Equity capital to assets | 9.7479% | 4,426 |
| Core capital (leverage) ratio | 10.2303% | 3,040 |
| Tier 1 risk-based capital ratio | 14.3177% | 3,375 |
| Total risk-based capital ratio | 15.5187% | 3,347 |
| Memoranda: | ||
| Average total assets | $693,790,500 | 999 |
| Average earning assets | $646,891,250 | 976 |
| Average equity | $66,788,250 | 1,000 |
| Average total loans | $610,778,250 | 783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8925% | 387 |
| Cost of funding earning assets | 2.6208% | 1,230 |
| Net interest margin | 4.2716% | 1,746 |
| Noninterest income to average assets | 0.4338% | 5,000 |
| Noninterest expense to average assets | 3.0993% | 3,706 |
| Loan and lease loss provision to assets | 0.1727% | 5,335 |
| Net operating income to assets | 0.5906% | 3,715 |
| Return on assets (ROA) | 0.5906% | 3,829 |
| Pretax return on assets | 1.1436% | 2,488 |
| Return on Equity (ROE) | 6.1612% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.1612% | 1,944 |
| Net charge-offs to loans | 0.1099% | 5,057 |
| Credit loss provision to net charge-offs | 179.2793% | 2,552 |
| Earnings coverage of net charge-offs (x) | 13.6607% | 1,721 |
| Efficiency ratio | 70.1900% | 4,739 |
| Assets per employee ($millions) | 4.4314% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 6,607 |
| Loan loss allowance to noncurrent loans | 17.4190% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 4.9364% | 1,089 |
| Noncurrent loans to loans | 5.3855% | 1,089 |
| Net loans and leases to total assets | 87.4149% | 278 |
| Net loans and leases to deposits | 101.6683% | 1,103 |
| Net loans and leases to core deposits | 153.3220% | 579 |
| Total domestic deposits to total assets | 85.9805% | 2,804 |
| Equity capital to assets | 9.6138% | 4,473 |
| Core capital (leverage) ratio | 10.1003% | 3,189 |
| Tier 1 risk-based capital ratio | 14.2304% | 3,390 |
| Total risk-based capital ratio | 15.3972% | 3,369 |
| Memoranda: | ||
| Average total assets | $691,178,670 | 1,020 |
| Average earning assets | $644,299,000 | 992 |
| Average equity | $66,253,000 | 1,015 |
| Average total loans | $605,993,330 | 810 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8901% | 414 |
| Cost of funding earning assets | 2.6953% | 1,288 |
| Net interest margin | 4.1948% | 1,920 |
| Noninterest income to average assets | 0.4788% | 4,518 |
| Noninterest expense to average assets | 3.2073% | 2,958 |
| Loan and lease loss provision to assets | 0.1165% | 5,478 |
| Net operating income to assets | 0.5773% | 4,111 |
| Return on assets (ROA) | 0.5773% | 4,309 |
| Pretax return on assets | 1.0660% | 3,122 |
| Return on Equity (ROE) | 6.0313% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0313% | 2,608 |
| Net charge-offs to loans | 0.0800% | 4,379 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 16.9167% | 1,527 |
| Efficiency ratio | 73.0626% | 4,000 |
| Assets per employee ($millions) | 4.4469% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,653 |
| Loan loss allowance to noncurrent loans | 24.4873% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 3.3036% | 1,656 |
| Noncurrent loans to loans | 3.7568% | 1,650 |
| Net loans and leases to total assets | 87.1291% | 331 |
| Net loans and leases to deposits | 102.1597% | 1,165 |
| Net loans and leases to core deposits | 153.2607% | 616 |
| Total domestic deposits to total assets | 85.2871% | 3,070 |
| Equity capital to assets | 9.5497% | 4,609 |
| Core capital (leverage) ratio | 10.0422% | 3,360 |
| Tier 1 risk-based capital ratio | 14.0977% | 3,526 |
| Total risk-based capital ratio | 15.2337% | 3,520 |
| Memoranda: | ||
| Average total assets | $686,687,000 | 1,029 |
| Average earning assets | $640,225,000 | 1,002 |
| Average equity | $65,723,500 | 1,031 |
| Average total loans | $600,069,000 | 824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2206% | 706 |
| Cost of funding earning assets | 3.0440% | 1,702 |
| Net interest margin | 4.1767% | 2,402 |
| Noninterest income to average assets | 0.8405% | 2,294 |
| Noninterest expense to average assets | 2.8358% | 4,662 |
| Loan and lease loss provision to assets | 0.3550% | 3,559 |
| Net operating income to assets | 0.7678% | 3,579 |
| Return on assets (ROA) | 0.7678% | 3,423 |
| Pretax return on assets | 1.5475% | 1,543 |
| Return on Equity (ROE) | 7.6477% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.6477% | 947 |
| Net charge-offs to loans | 0.2033% | 4,173 |
| Credit loss provision to net charge-offs | 204.5053% | 2,378 |
| Earnings coverage of net charge-offs (x) | 10.9594% | 2,438 |
| Efficiency ratio | 59.8485% | 6,374 |
| Assets per employee ($millions) | 4.5310% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 6,463 |
| Loan loss allowance to noncurrent loans | 27.3433% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9762% | 1,548 |
| Noncurrent loans to loans | 3.4279% | 1,496 |
| Net loans and leases to total assets | 86.0089% | 602 |
| Net loans and leases to deposits | 102.7574% | 1,498 |
| Net loans and leases to core deposits | 153.6652% | 726 |
| Total domestic deposits to total assets | 83.7010% | 3,478 |
| Equity capital to assets | 9.5930% | 4,552 |
| Core capital (leverage) ratio | 10.1028% | 3,354 |
| Tier 1 risk-based capital ratio | 13.9664% | 3,562 |
| Total risk-based capital ratio | 15.0915% | 3,547 |
| Memoranda: | ||
| Average total assets | $652,101,600 | 1,028 |
| Average earning assets | $608,549,000 | 998 |
| Average equity | $65,470,400 | 1,023 |
| Average total loans | $556,876,600 | 856 |