Home > Signature Bank > Performance and Condition Ratios
Signature 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 | 6.1296% | 542 |
| Cost of funding earning assets | 1.9028% | 1,064 |
| Net interest margin | 4.2268% | 895 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.8696% | 3,894 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8562% | 559 |
| Return on assets (ROA) | 1.8562% | 543 |
| Pretax return on assets | 2.5838% | 309 |
| Return on Equity (ROE) | 28.5500% | 205 |
| Retained earnings to average equity (ytd only) | 28.5479% | 53 |
| Net charge-offs to loans | -0.0221% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.5116% | 4,327 |
| Assets per employee ($millions) | 18.1247% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,032 |
| Loan loss allowance to noncurrent loans | 162.7362% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,339 |
| Noncurrent loans to loans | 0.6503% | 1,204 |
| Net loans and leases to total assets | 63.2800% | 2,538 |
| Net loans and leases to deposits | 74.8208% | 2,556 |
| Net loans and leases to core deposits | 79.6173% | 2,725 |
| Total domestic deposits to total assets | 84.5700% | 2,447 |
| Equity capital to assets | 7.4080% | 3,767 |
| Core capital (leverage) ratio | 9.4219% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4133% | 1,717 |
| Memoranda: | ||
| Average total assets | $1,728,252,000 | 642 |
| Average earning assets | $1,658,428,600 | 620 |
| Average equity | $112,372,600 | 875 |
| Average total loans | $1,120,491,200 | 664 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9435% | 570 |
| Cost of funding earning assets | 1.8153% | 986 |
| Net interest margin | 4.1282% | 1,018 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.8527% | 3,877 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8196% | 641 |
| Return on assets (ROA) | 1.8196% | 633 |
| Pretax return on assets | 2.5310% | 372 |
| Return on Equity (ROE) | 29.0400% | 246 |
| Retained earnings to average equity (ytd only) | 29.0447% | 98 |
| Net charge-offs to loans | -0.0314% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 41.8945% | 4,311 |
| Assets per employee ($millions) | 18.5320% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,126 |
| Loan loss allowance to noncurrent loans | 167.2650% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 1,481 |
| Noncurrent loans to loans | 0.6256% | 1,302 |
| Net loans and leases to total assets | 61.6200% | 2,688 |
| Net loans and leases to deposits | 71.4363% | 2,745 |
| Net loans and leases to core deposits | 77.4496% | 2,770 |
| Total domestic deposits to total assets | 86.2500% | 2,117 |
| Equity capital to assets | 5.9324% | 4,015 |
| Core capital (leverage) ratio | 9.4457% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9383% | 1,919 |
| Memoranda: | ||
| Average total assets | $1,711,728,500 | 651 |
| Average earning assets | $1,643,617,000 | 625 |
| Average equity | $107,234,500 | 898 |
| Average total loans | $1,113,720,750 | 669 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 533 |
| Cost of funding earning assets | 1.7306% | 842 |
| Net interest margin | 4.1219% | 1,051 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.8627% | 3,888 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.8199% | 633 |
| Return on assets (ROA) | 1.8199% | 630 |
| Pretax return on assets | 2.5303% | 342 |
| Return on Equity (ROE) | 28.5000% | 251 |
| Retained earnings to average equity (ytd only) | 28.5039% | 87 |
| Net charge-offs to loans | -0.0435% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.0494% | 4,337 |
| Assets per employee ($millions) | 17.6826% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,330 |
| Loan loss allowance to noncurrent loans | 154.4077% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,201 |
| Noncurrent loans to loans | 0.6620% | 1,124 |
| Net loans and leases to total assets | 66.2400% | 2,133 |
| Net loans and leases to deposits | 77.7503% | 2,154 |
| Net loans and leases to core deposits | 84.9048% | 2,147 |
| Total domestic deposits to total assets | 85.2000% | 2,488 |
| Equity capital to assets | 6.5814% | 3,963 |
| Core capital (leverage) ratio | 9.1924% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2745% | 2,182 |
| Memoranda: | ||
| Average total assets | $1,676,925,000 | 646 |
| Average earning assets | $1,611,671,000 | 623 |
| Average equity | $107,066,000 | 891 |
| Average total loans | $1,108,002,667 | 660 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5651% | 562 |
| Cost of funding earning assets | 1.3982% | 1,025 |
| Net interest margin | 4.1669% | 999 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.8500% | 3,952 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.8627% | 605 |
| Return on assets (ROA) | 1.8627% | 595 |
| Pretax return on assets | 2.5899% | 321 |
| Return on Equity (ROE) | 29.6400% | 241 |
| Retained earnings to average equity (ytd only) | 29.6395% | 116 |
| Net charge-offs to loans | -0.0845% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.2501% | 4,411 |
| Assets per employee ($millions) | 19.0066% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,404 |
| Loan loss allowance to noncurrent loans | 149.6023% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 1,172 |
| Noncurrent loans to loans | 0.6861% | 1,104 |
| Net loans and leases to total assets | 63.2600% | 2,330 |
| Net loans and leases to deposits | 77.3177% | 2,009 |
| Net loans and leases to core deposits | 84.4345% | 1,960 |
| Total domestic deposits to total assets | 81.8200% | 3,507 |
| Equity capital to assets | 6.3260% | 4,094 |
| Core capital (leverage) ratio | 9.2069% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9483% | 2,410 |
| Memoranda: | ||
| Average total assets | $1,666,624,000 | 662 |
| Average earning assets | $1,604,362,000 | 635 |
| Average equity | $104,738,500 | 915 |
| Average total loans | $1,093,946,500 | 673 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 1,370 |
| Cost of funding earning assets | 0.4082% | 2,021 |
| Net interest margin | 3.7324% | 1,298 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.6878% | 4,202 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.6404% | 622 |
| Return on assets (ROA) | 1.6404% | 592 |
| Pretax return on assets | 2.2819% | 273 |
| Return on Equity (ROE) | 25.1200% | 209 |
| Retained earnings to average equity (ytd only) | 20.2917% | 86 |
| Net charge-offs to loans | 0.0050% | 2,248 |
| Credit loss provision to net charge-offs | 5,193.8776% | 133 |
| Earnings coverage of net charge-offs (x) | 790.9388% | 232 |
| Efficiency ratio | 40.8657% | 4,519 |
| Assets per employee ($millions) | 17.8049% | 124 |
| Cash dividends to net income (ytd only)* | 19.2079% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,873 |
| Loan loss allowance to noncurrent loans | 173.8235% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 1,196 |
| Noncurrent loans to loans | 0.6354% | 1,166 |
| Net loans and leases to total assets | 66.7900% | 1,947 |
| Net loans and leases to deposits | 75.5376% | 2,131 |
| Net loans and leases to core deposits | 78.8004% | 2,217 |
| Total domestic deposits to total assets | 88.4200% | 1,929 |
| Equity capital to assets | 6.2386% | 4,003 |
| Core capital (leverage) ratio | 9.3918% | 3,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6593% | 2,504 |
| Memoranda: | ||
| Average total assets | $1,586,870,400 | 676 |
| Average earning assets | $1,540,297,600 | 641 |
| Average equity | $103,643,400 | 923 |
| Average total loans | $974,752,600 | 702 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 1,699 |
| Cost of funding earning assets | 0.2713% | 2,475 |
| Net interest margin | 3.5459% | 1,532 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.6592% | 4,226 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.5326% | 772 |
| Return on assets (ROA) | 1.5326% | 754 |
| Pretax return on assets | 2.1431% | 354 |
| Return on Equity (ROE) | 23.2100% | 248 |
| Retained earnings to average equity (ytd only) | 16.8470% | 223 |
| Net charge-offs to loans | -0.0393% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.9115% | 4,521 |
| Assets per employee ($millions) | 17.5311% | 135 |
| Cash dividends to net income (ytd only)* | 27.4018% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,901 |
| Loan loss allowance to noncurrent loans | 164.2601% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 1,183 |
| Noncurrent loans to loans | 0.6848% | 1,194 |
| Net loans and leases to total assets | 66.0900% | 1,884 |
| Net loans and leases to deposits | 73.4161% | 2,099 |
| Net loans and leases to core deposits | 74.1256% | 2,335 |
| Total domestic deposits to total assets | 90.0200% | 1,651 |
| Equity capital to assets | 5.5798% | 4,103 |
| Core capital (leverage) ratio | 9.0065% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7017% | 2,576 |
| Memoranda: | ||
| Average total assets | $1,587,428,000 | 681 |
| Average earning assets | $1,544,855,250 | 642 |
| Average equity | $104,839,250 | 927 |
| Average total loans | $950,897,000 | 716 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 2,088 |
| Cost of funding earning assets | 0.2453% | 2,330 |
| Net interest margin | 3.2706% | 1,992 |
| Noninterest income to average assets | 0.4855% | 2,282 |
| Noninterest expense to average assets | 1.5883% | 4,318 |
| Loan and lease loss provision to assets | 0.1213% | 818 |
| Net operating income to assets | 1.4115% | 879 |
| Return on assets (ROA) | 1.4115% | 856 |
| Pretax return on assets | 1.9693% | 409 |
| Return on Equity (ROE) | 20.3738% | 285 |
| Retained earnings to average equity (ytd only) | 11.3986% | 719 |
| Net charge-offs to loans | -0.0526% | 4,258 |
| Credit loss provision to net charge-offs | -399.5902% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1730% | 4,535 |
| Assets per employee ($millions) | 17.4054% | 134 |
| Cash dividends to net income (ytd only)* | 44.0529% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,134 |
| Loan loss allowance to noncurrent loans | 338.2419% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 2,303 |
| Noncurrent loans to loans | 0.3276% | 2,164 |
| Net loans and leases to total assets | 61.4240% | 2,180 |
| Net loans and leases to deposits | 66.2516% | 2,521 |
| Net loans and leases to core deposits | 67.0475% | 2,733 |
| Total domestic deposits to total assets | 92.7132% | 583 |
| Equity capital to assets | 6.2904% | 4,102 |
| Core capital (leverage) ratio | 8.6628% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0709% | 2,463 |
| Memoranda: | ||
| Average total assets | $1,608,169,333 | 664 |
| Average earning assets | $1,570,151,333 | 633 |
| Average equity | $111,417,667 | 896 |
| Average total loans | $928,035,000 | 715 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 2,346 |
| Cost of funding earning assets | 0.2395% | 2,271 |
| Net interest margin | 3.0737% | 2,256 |
| Noninterest income to average assets | 0.4315% | 2,491 |
| Noninterest expense to average assets | 1.5362% | 4,378 |
| Loan and lease loss provision to assets | 0.1096% | 760 |
| Net operating income to assets | 1.2864% | 1,029 |
| Return on assets (ROA) | 1.2864% | 1,020 |
| Pretax return on assets | 1.7949% | 555 |
| Return on Equity (ROE) | 17.8054% | 356 |
| Retained earnings to average equity (ytd only) | 17.8054% | 146 |
| Net charge-offs to loans | -0.0917% | 4,432 |
| Credit loss provision to net charge-offs | -214.7619% | 2,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6476% | 4,541 |
| Assets per employee ($millions) | 19.2592% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,402 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,806 |
| Noncurrent loans to loans | 0.0417% | 3,680 |
| Net loans and leases to total assets | 56.3575% | 2,497 |
| Net loans and leases to deposits | 62.1470% | 2,704 |
| Net loans and leases to core deposits | 62.8620% | 2,906 |
| Total domestic deposits to total assets | 90.6841% | 1,191 |
| Equity capital to assets | 6.8573% | 4,280 |
| Core capital (leverage) ratio | 8.2594% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2877% | 2,488 |
| Memoranda: | ||
| Average total assets | $1,646,414,500 | 658 |
| Average earning assets | $1,611,846,500 | 620 |
| Average equity | $118,952,500 | 869 |
| Average total loans | $916,372,000 | 716 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 2,248 |
| Cost of funding earning assets | 0.2986% | 2,418 |
| Net interest margin | 3.3531% | 2,153 |
| Noninterest income to average assets | 0.5115% | 2,508 |
| Noninterest expense to average assets | 1.6489% | 4,363 |
| Loan and lease loss provision to assets | 0.0698% | 1,681 |
| Net operating income to assets | 1.4911% | 1,038 |
| Return on assets (ROA) | 1.4911% | 1,093 |
| Pretax return on assets | 2.0828% | 515 |
| Return on Equity (ROE) | 17.3902% | 532 |
| Retained earnings to average equity (ytd only) | 13.2984% | 368 |
| Net charge-offs to loans | 0.0546% | 1,247 |
| Credit loss provision to net charge-offs | 190.2486% | 1,340 |
| Earnings coverage of net charge-offs (x) | 58.6577% | 1,194 |
| Efficiency ratio | 43.3755% | 4,592 |
| Assets per employee ($millions) | 19.7065% | 109 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,650 |
| Loan loss allowance to noncurrent loans | 2,360.5063% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,891 |
| Noncurrent loans to loans | 0.0434% | 3,765 |
| Net loans and leases to total assets | 53.8310% | 2,871 |
| Net loans and leases to deposits | 59.5913% | 3,114 |
| Net loans and leases to core deposits | 60.2468% | 3,297 |
| Total domestic deposits to total assets | 90.3337% | 790 |
| Equity capital to assets | 7.5801% | 4,559 |
| Core capital (leverage) ratio | 7.9592% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6259% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,425,155,200 | 708 |
| Average earning assets | $1,398,347,000 | 682 |
| Average equity | $122,195,000 | 848 |
| Average total loans | $958,518,800 | 683 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 1,932 |
| Cost of funding earning assets | 0.3188% | 2,413 |
| Net interest margin | 3.5235% | 1,803 |
| Noninterest income to average assets | 0.4957% | 2,639 |
| Noninterest expense to average assets | 1.6647% | 4,386 |
| Loan and lease loss provision to assets | 0.0924% | 1,292 |
| Net operating income to assets | 1.5682% | 1,107 |
| Return on assets (ROA) | 1.5682% | 1,155 |
| Pretax return on assets | 2.1910% | 557 |
| Return on Equity (ROE) | 17.6611% | 669 |
| Retained earnings to average equity (ytd only) | 17.6611% | 211 |
| Net charge-offs to loans | 0.0875% | 818 |
| Credit loss provision to net charge-offs | 148.1947% | 1,364 |
| Earnings coverage of net charge-offs (x) | 36.6358% | 1,422 |
| Efficiency ratio | 42.1650% | 4,657 |
| Assets per employee ($millions) | 18.5339% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,880 |
| Loan loss allowance to noncurrent loans | 1,751.4340% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 3,924 |
| Noncurrent loans to loans | 0.0565% | 3,823 |
| Net loans and leases to total assets | 61.0753% | 2,126 |
| Net loans and leases to deposits | 67.5455% | 2,479 |
| Net loans and leases to core deposits | 68.3513% | 2,746 |
| Total domestic deposits to total assets | 90.4210% | 595 |
| Equity capital to assets | 8.5314% | 4,191 |
| Core capital (leverage) ratio | 8.9677% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1485% | 2,309 |
| Memoranda: | ||
| Average total assets | $1,362,680,500 | 742 |
| Average earning assets | $1,335,178,000 | 711 |
| Average equity | $121,001,250 | 870 |
| Average total loans | $970,392,750 | 694 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 1,736 |
| Cost of funding earning assets | 0.3453% | 2,362 |
| Net interest margin | 3.5872% | 1,619 |
| Noninterest income to average assets | 0.4995% | 2,625 |
| Noninterest expense to average assets | 1.6989% | 4,360 |
| Loan and lease loss provision to assets | 0.0671% | 1,706 |
| Net operating income to assets | 1.6170% | 1,019 |
| Return on assets (ROA) | 1.6170% | 1,072 |
| Pretax return on assets | 2.2454% | 531 |
| Return on Equity (ROE) | 17.9430% | 662 |
| Retained earnings to average equity (ytd only) | 17.9430% | 226 |
| Net charge-offs to loans | 0.0558% | 1,065 |
| Credit loss provision to net charge-offs | 160.7273% | 1,136 |
| Earnings coverage of net charge-offs (x) | 55.3527% | 1,013 |
| Efficiency ratio | 42.3518% | 4,685 |
| Assets per employee ($millions) | 17.3520% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,039 |
| Loan loss allowance to noncurrent loans | 233.8693% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 2,503 |
| Noncurrent loans to loans | 0.4004% | 2,474 |
| Net loans and leases to total assets | 70.4825% | 1,145 |
| Net loans and leases to deposits | 78.6130% | 1,567 |
| Net loans and leases to core deposits | 79.6199% | 1,915 |
| Total domestic deposits to total assets | 89.6576% | 945 |
| Equity capital to assets | 9.1327% | 3,672 |
| Core capital (leverage) ratio | 9.3276% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3668% | 2,218 |
| Memoranda: | ||
| Average total assets | $1,316,491,000 | 760 |
| Average earning assets | $1,288,872,333 | 728 |
| Average equity | $118,642,333 | 876 |
| Average total loans | $985,173,000 | 680 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 1,616 |
| Cost of funding earning assets | 0.3854% | 2,214 |
| Net interest margin | 3.6128% | 1,552 |
| Noninterest income to average assets | 0.4792% | 2,707 |
| Noninterest expense to average assets | 1.6801% | 4,413 |
| Loan and lease loss provision to assets | 0.0684% | 1,784 |
| Net operating income to assets | 1.6348% | 1,050 |
| Return on assets (ROA) | 1.6348% | 1,103 |
| Pretax return on assets | 2.2693% | 619 |
| Return on Equity (ROE) | 18.2679% | 697 |
| Retained earnings to average equity (ytd only) | 18.2679% | 354 |
| Net charge-offs to loans | -0.0084% | 3,606 |
| Credit loss provision to net charge-offs | -1,057.1429% | 3,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8162% | 4,677 |
| Assets per employee ($millions) | 16.5690% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,201 |
| Loan loss allowance to noncurrent loans | 222.3472% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 2,594 |
| Noncurrent loans to loans | 0.3972% | 2,678 |
| Net loans and leases to total assets | 76.9927% | 538 |
| Net loans and leases to deposits | 85.5165% | 993 |
| Net loans and leases to core deposits | 87.8429% | 1,381 |
| Total domestic deposits to total assets | 90.0325% | 801 |
| Equity capital to assets | 8.9136% | 3,773 |
| Core capital (leverage) ratio | 8.9096% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9738% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,298,007,000 | 763 |
| Average earning assets | $1,271,357,500 | 730 |
| Average equity | $116,160,000 | 886 |
| Average total loans | $996,274,500 | 679 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 2,162 |
| Cost of funding earning assets | 0.4115% | 3,510 |
| Net interest margin | 3.7805% | 1,553 |
| Noninterest income to average assets | 0.4783% | 2,736 |
| Noninterest expense to average assets | 1.9747% | 4,189 |
| Loan and lease loss provision to assets | 0.1002% | 3,081 |
| Net operating income to assets | 1.5131% | 786 |
| Return on assets (ROA) | 1.5131% | 852 |
| Pretax return on assets | 2.1087% | 358 |
| Return on Equity (ROE) | 15.8208% | 522 |
| Retained earnings to average equity (ytd only) | 15.8208% | 122 |
| Net charge-offs to loans | -0.0316% | 4,552 |
| Credit loss provision to net charge-offs | -408.0882% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2011% | 4,665 |
| Assets per employee ($millions) | 15.4939% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,135 |
| Loan loss allowance to noncurrent loans | 84.9113% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 1,246 |
| Noncurrent loans to loans | 1.0827% | 1,309 |
| Net loans and leases to total assets | 75.0928% | 889 |
| Net loans and leases to deposits | 83.4065% | 1,505 |
| Net loans and leases to core deposits | 88.0566% | 1,689 |
| Total domestic deposits to total assets | 90.0323% | 555 |
| Equity capital to assets | 8.9862% | 4,068 |
| Core capital (leverage) ratio | 8.9526% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4170% | 2,081 |
| Memoranda: | ||
| Average total assets | $1,107,667,400 | 806 |
| Average earning assets | $1,085,626,200 | 759 |
| Average equity | $105,936,600 | 923 |
| Average total loans | $860,664,200 | 742 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,116 |
| Cost of funding earning assets | 0.4184% | 3,715 |
| Net interest margin | 3.8753% | 1,417 |
| Noninterest income to average assets | 0.4635% | 2,771 |
| Noninterest expense to average assets | 2.0500% | 4,047 |
| Loan and lease loss provision to assets | 0.0666% | 3,504 |
| Net operating income to assets | 1.5458% | 819 |
| Return on assets (ROA) | 1.5458% | 895 |
| Pretax return on assets | 2.1442% | 384 |
| Return on Equity (ROE) | 15.8771% | 558 |
| Retained earnings to average equity (ytd only) | 15.8771% | 163 |
| Net charge-offs to loans | -0.0374% | 4,601 |
| Credit loss provision to net charge-offs | -227.7778% | 3,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1127% | 4,602 |
| Assets per employee ($millions) | 14.6922% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 4,215 |
| Loan loss allowance to noncurrent loans | 312.2441% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 3,346 |
| Noncurrent loans to loans | 0.2734% | 3,313 |
| Net loans and leases to total assets | 79.4203% | 668 |
| Net loans and leases to deposits | 88.7724% | 1,396 |
| Net loans and leases to core deposits | 95.5430% | 1,499 |
| Total domestic deposits to total assets | 89.4651% | 591 |
| Equity capital to assets | 9.1568% | 3,994 |
| Core capital (leverage) ratio | 9.1122% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0606% | 2,172 |
| Memoranda: | ||
| Average total assets | $1,066,960,000 | 813 |
| Average earning assets | $1,045,505,500 | 770 |
| Average equity | $103,878,500 | 927 |
| Average total loans | $835,104,250 | 753 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,105 |
| Cost of funding earning assets | 0.4294% | 3,902 |
| Net interest margin | 4.0070% | 1,299 |
| Noninterest income to average assets | 0.4638% | 2,744 |
| Noninterest expense to average assets | 2.1330% | 3,965 |
| Loan and lease loss provision to assets | 0.0584% | 3,573 |
| Net operating income to assets | 1.5890% | 780 |
| Return on assets (ROA) | 1.5890% | 851 |
| Pretax return on assets | 2.2023% | 360 |
| Return on Equity (ROE) | 15.9478% | 574 |
| Retained earnings to average equity (ytd only) | 15.9478% | 179 |
| Net charge-offs to loans | -0.0614% | 4,733 |
| Credit loss provision to net charge-offs | -122.6337% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5466% | 4,589 |
| Assets per employee ($millions) | 14.3927% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 4,198 |
| Loan loss allowance to noncurrent loans | 1,567.9061% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,316 |
| Noncurrent loans to loans | 0.0540% | 4,267 |
| Net loans and leases to total assets | 79.5073% | 653 |
| Net loans and leases to deposits | 88.8834% | 1,461 |
| Net loans and leases to core deposits | 96.0928% | 1,576 |
| Total domestic deposits to total assets | 89.4512% | 593 |
| Equity capital to assets | 9.0124% | 4,080 |
| Core capital (leverage) ratio | 8.7300% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8888% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,021,025,667 | 831 |
| Average earning assets | $1,001,349,000 | 788 |
| Average equity | $101,732,000 | 934 |
| Average total loans | $791,784,667 | 777 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 1,547 |
| Cost of funding earning assets | 0.4544% | 4,135 |
| Net interest margin | 4.3001% | 760 |
| Noninterest income to average assets | 0.5209% | 2,437 |
| Noninterest expense to average assets | 2.2672% | 3,841 |
| Loan and lease loss provision to assets | 0.1249% | 2,140 |
| Net operating income to assets | 1.6876% | 527 |
| Return on assets (ROA) | 1.6876% | 579 |
| Pretax return on assets | 2.3428% | 222 |
| Return on Equity (ROE) | 15.9814% | 428 |
| Retained earnings to average equity (ytd only) | 15.9814% | 148 |
| Net charge-offs to loans | -0.0974% | 4,809 |
| Credit loss provision to net charge-offs | -168.9655% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8823% | 4,761 |
| Assets per employee ($millions) | 11.6720% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,003.5398% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,200 |
| Noncurrent loans to loans | 0.1085% | 4,083 |
| Net loans and leases to total assets | 74.4483% | 1,542 |
| Net loans and leases to deposits | 83.8078% | 2,256 |
| Net loans and leases to core deposits | 89.7754% | 2,368 |
| Total domestic deposits to total assets | 88.8322% | 740 |
| Equity capital to assets | 10.5551% | 3,272 |
| Core capital (leverage) ratio | 10.8252% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8987% | 2,753 |
| Memoranda: | ||
| Average total assets | $941,437,500 | 877 |
| Average earning assets | $922,590,500 | 820 |
| Average equity | $99,415,500 | 948 |
| Average total loans | $714,497,500 | 823 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 1,075 |
| Cost of funding earning assets | 0.6640% | 3,334 |
| Net interest margin | 4.5003% | 715 |
| Noninterest income to average assets | 0.5925% | 2,263 |
| Noninterest expense to average assets | 2.3139% | 3,914 |
| Loan and lease loss provision to assets | 0.0688% | 2,634 |
| Net operating income to assets | 1.8491% | 480 |
| Return on assets (ROA) | 1.8543% | 495 |
| Pretax return on assets | 2.5791% | 181 |
| Return on Equity (ROE) | 18.2480% | 324 |
| Retained earnings to average equity (ytd only) | 18.2480% | 48 |
| Net charge-offs to loans | -0.0360% | 4,751 |
| Credit loss provision to net charge-offs | -252.3207% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6959% | 4,888 |
| Assets per employee ($millions) | 11.2852% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,121 |
| Loan loss allowance to noncurrent loans | 355.5450% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,525 |
| Noncurrent loans to loans | 0.3002% | 3,358 |
| Net loans and leases to total assets | 75.7412% | 1,456 |
| Net loans and leases to deposits | 85.3247% | 2,175 |
| Net loans and leases to core deposits | 89.1363% | 2,501 |
| Total domestic deposits to total assets | 88.7682% | 761 |
| Equity capital to assets | 10.5651% | 3,385 |
| Core capital (leverage) ratio | 10.3317% | 3,157 |
| Tier 1 risk-based capital ratio | 12.0600% | 4,329 |
| Total risk-based capital ratio | 13.0122% | 4,367 |
| Memoranda: | ||
| Average total assets | $868,844,600 | 907 |
| Average earning assets | $842,275,800 | 859 |
| Average equity | $88,289,000 | 1,000 |
| Average total loans | $657,697,200 | 845 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2098% | 1,026 |
| Cost of funding earning assets | 0.6514% | 3,447 |
| Net interest margin | 4.5584% | 675 |
| Noninterest income to average assets | 0.5983% | 2,210 |
| Noninterest expense to average assets | 2.2829% | 3,995 |
| Loan and lease loss provision to assets | 0.0930% | 2,051 |
| Net operating income to assets | 1.8913% | 501 |
| Return on assets (ROA) | 1.8983% | 514 |
| Pretax return on assets | 2.6363% | 191 |
| Return on Equity (ROE) | 18.8805% | 322 |
| Retained earnings to average equity (ytd only) | 18.8805% | 60 |
| Net charge-offs to loans | -0.0371% | 4,767 |
| Credit loss provision to net charge-offs | -332.2222% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6277% | 4,950 |
| Assets per employee ($millions) | 11.0025% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,003 |
| Loan loss allowance to noncurrent loans | 349.2931% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2381% | 3,618 |
| Noncurrent loans to loans | 0.3165% | 3,393 |
| Net loans and leases to total assets | 74.3898% | 1,733 |
| Net loans and leases to deposits | 84.2455% | 2,428 |
| Net loans and leases to core deposits | 91.1329% | 2,450 |
| Total domestic deposits to total assets | 88.3012% | 915 |
| Equity capital to assets | 10.4489% | 3,592 |
| Core capital (leverage) ratio | 10.3238% | 3,286 |
| Tier 1 risk-based capital ratio | 11.7628% | 4,539 |
| Total risk-based capital ratio | 12.7242% | 4,580 |
| Memoranda: | ||
| Average total assets | $857,530,250 | 913 |
| Average earning assets | $828,698,500 | 869 |
| Average equity | $86,217,250 | 1,016 |
| Average total loans | $647,166,000 | 857 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 1,088 |
| Cost of funding earning assets | 0.5933% | 3,679 |
| Net interest margin | 4.5630% | 667 |
| Noninterest income to average assets | 0.5650% | 2,314 |
| Noninterest expense to average assets | 2.2491% | 4,128 |
| Loan and lease loss provision to assets | 0.1413% | 1,315 |
| Net operating income to assets | 1.8634% | 526 |
| Return on assets (ROA) | 1.8740% | 535 |
| Pretax return on assets | 2.6031% | 208 |
| Return on Equity (ROE) | 18.8999% | 322 |
| Retained earnings to average equity (ytd only) | 18.8999% | 73 |
| Net charge-offs to loans | -0.0400% | 4,770 |
| Credit loss provision to net charge-offs | -467.1875% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1621% | 5,022 |
| Assets per employee ($millions) | 11.9257% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,115 |
| Loan loss allowance to noncurrent loans | 343.1702% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,587 |
| Noncurrent loans to loans | 0.3182% | 3,391 |
| Net loans and leases to total assets | 76.5845% | 1,459 |
| Net loans and leases to deposits | 87.4859% | 2,061 |
| Net loans and leases to core deposits | 97.0663% | 1,970 |
| Total domestic deposits to total assets | 87.5393% | 1,323 |
| Equity capital to assets | 10.1826% | 3,803 |
| Core capital (leverage) ratio | 10.5466% | 3,039 |
| Tier 1 risk-based capital ratio | 11.3689% | 4,756 |
| Total risk-based capital ratio | 12.3374% | 4,783 |
| Memoranda: | ||
| Average total assets | $846,305,330 | 920 |
| Average earning assets | $818,839,000 | 881 |
| Average equity | $83,916,000 | 1,036 |
| Average total loans | $639,428,670 | 870 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 1,008 |
| Cost of funding earning assets | 0.5025% | 4,049 |
| Net interest margin | 4.6450% | 556 |
| Noninterest income to average assets | 0.5610% | 2,223 |
| Noninterest expense to average assets | 2.2264% | 4,194 |
| Loan and lease loss provision to assets | 0.0254% | 3,099 |
| Net operating income to assets | 2.0215% | 374 |
| Return on assets (ROA) | 2.0408% | 375 |
| Pretax return on assets | 2.8325% | 152 |
| Return on Equity (ROE) | 20.8754% | 218 |
| Retained earnings to average equity (ytd only) | 20.8754% | 87 |
| Net charge-offs to loans | -0.0476% | 4,815 |
| Credit loss provision to net charge-offs | -71.6216% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0011% | 5,100 |
| Assets per employee ($millions) | 12.3918% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,180 |
| Loan loss allowance to noncurrent loans | 309.5696% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,505 |
| Noncurrent loans to loans | 0.3525% | 3,316 |
| Net loans and leases to total assets | 77.2703% | 1,275 |
| Net loans and leases to deposits | 87.1619% | 1,977 |
| Net loans and leases to core deposits | 93.7028% | 2,156 |
| Total domestic deposits to total assets | 88.6515% | 1,016 |
| Equity capital to assets | 10.5911% | 3,261 |
| Core capital (leverage) ratio | 10.1608% | 3,427 |
| Tier 1 risk-based capital ratio | 11.7380% | 4,595 |
| Total risk-based capital ratio | 12.6982% | 4,668 |
| Memoranda: | ||
| Average total assets | $834,171,000 | 939 |
| Average earning assets | $807,927,000 | 893 |
| Average equity | $81,550,500 | 1,055 |
| Average total loans | $622,100,000 | 895 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 1,092 |
| Cost of funding earning assets | 0.4587% | 3,619 |
| Net interest margin | 4.5225% | 731 |
| Noninterest income to average assets | 0.5775% | 2,410 |
| Noninterest expense to average assets | 2.1214% | 4,515 |
| Loan and lease loss provision to assets | 0.1879% | 1,026 |
| Net operating income to assets | 1.9195% | 424 |
| Return on assets (ROA) | 1.9195% | 420 |
| Pretax return on assets | 2.6697% | 154 |
| Return on Equity (ROE) | 21.3219% | 181 |
| Retained earnings to average equity (ytd only) | 21.3219% | 30 |
| Net charge-offs to loans | 0.0991% | 1,771 |
| Credit loss provision to net charge-offs | 248.2293% | 1,198 |
| Earnings coverage of net charge-offs (x) | 37.7605% | 1,369 |
| Efficiency ratio | 42.6067% | 5,224 |
| Assets per employee ($millions) | 14.5878% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,309 |
| Loan loss allowance to noncurrent loans | 300.4982% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 3,581 |
| Noncurrent loans to loans | 0.3535% | 3,276 |
| Net loans and leases to total assets | 70.6062% | 2,485 |
| Net loans and leases to deposits | 78.3553% | 3,126 |
| Net loans and leases to core deposits | 82.2359% | 3,243 |
| Total domestic deposits to total assets | 90.1102% | 436 |
| Equity capital to assets | 9.0379% | 4,543 |
| Core capital (leverage) ratio | 9.3374% | 4,315 |
| Tier 1 risk-based capital ratio | 11.1110% | 4,919 |
| Total risk-based capital ratio | 12.0516% | 4,955 |
| Memoranda: | ||
| Average total assets | $783,601,800 | 967 |
| Average earning assets | $762,634,400 | 923 |
| Average equity | $70,542,400 | 1,152 |
| Average total loans | $598,441,800 | 899 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,056 |
| Cost of funding earning assets | 0.4444% | 3,566 |
| Net interest margin | 4.5005% | 738 |
| Noninterest income to average assets | 0.6003% | 2,305 |
| Noninterest expense to average assets | 2.1913% | 4,342 |
| Loan and lease loss provision to assets | 0.2398% | 664 |
| Net operating income to assets | 1.8474% | 553 |
| Return on assets (ROA) | 1.8474% | 550 |
| Pretax return on assets | 2.5585% | 206 |
| Return on Equity (ROE) | 20.5448% | 239 |
| Retained earnings to average equity (ytd only) | 20.5448% | 52 |
| Net charge-offs to loans | 0.2212% | 772 |
| Credit loss provision to net charge-offs | 139.3075% | 1,812 |
| Earnings coverage of net charge-offs (x) | 16.2576% | 2,170 |
| Efficiency ratio | 43.9175% | 5,214 |
| Assets per employee ($millions) | 12.3107% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,762 |
| Loan loss allowance to noncurrent loans | 212.7468% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,187 |
| Noncurrent loans to loans | 0.4701% | 2,980 |
| Net loans and leases to total assets | 78.3993% | 1,277 |
| Net loans and leases to deposits | 86.9417% | 2,269 |
| Net loans and leases to core deposits | 92.2709% | 2,449 |
| Total domestic deposits to total assets | 90.1745% | 451 |
| Equity capital to assets | 9.4296% | 4,154 |
| Core capital (leverage) ratio | 9.3434% | 4,344 |
| Tier 1 risk-based capital ratio | 10.7001% | 5,171 |
| Total risk-based capital ratio | 11.5902% | 5,204 |
| Memoranda: | ||
| Average total assets | $760,685,000 | 988 |
| Average earning assets | $741,884,250 | 945 |
| Average equity | $68,401,500 | 1,181 |
| Average total loans | $591,895,000 | 903 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 1,246 |
| Cost of funding earning assets | 0.4289% | 3,504 |
| Net interest margin | 4.3722% | 898 |
| Noninterest income to average assets | 0.5896% | 2,387 |
| Noninterest expense to average assets | 2.1516% | 4,482 |
| Loan and lease loss provision to assets | 0.1006% | 1,937 |
| Net operating income to assets | 1.8732% | 502 |
| Return on assets (ROA) | 1.8732% | 497 |
| Pretax return on assets | 2.6028% | 186 |
| Return on Equity (ROE) | 21.1840% | 196 |
| Retained earnings to average equity (ytd only) | 21.1840% | 55 |
| Net charge-offs to loans | -0.0298% | 4,733 |
| Credit loss provision to net charge-offs | -436.7816% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3173% | 5,273 |
| Assets per employee ($millions) | 12.5820% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,584 |
| Loan loss allowance to noncurrent loans | 128.8732% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 2,367 |
| Noncurrent loans to loans | 0.8081% | 2,110 |
| Net loans and leases to total assets | 75.7937% | 1,669 |
| Net loans and leases to deposits | 83.6397% | 2,577 |
| Net loans and leases to core deposits | 88.7729% | 2,659 |
| Total domestic deposits to total assets | 90.6192% | 358 |
| Equity capital to assets | 8.9946% | 4,564 |
| Core capital (leverage) ratio | 8.8447% | 4,844 |
| Tier 1 risk-based capital ratio | 10.5003% | 5,267 |
| Total risk-based capital ratio | 11.4273% | 5,311 |
| Memoranda: | ||
| Average total assets | $755,721,330 | 994 |
| Average earning assets | $737,248,670 | 954 |
| Average equity | $66,824,000 | 1,204 |
| Average total loans | $584,464,000 | 917 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,576 |
| Cost of funding earning assets | 0.4207% | 3,438 |
| Net interest margin | 4.1782% | 1,224 |
| Noninterest income to average assets | 0.5767% | 2,384 |
| Noninterest expense to average assets | 2.0690% | 4,729 |
| Loan and lease loss provision to assets | 0.0742% | 2,284 |
| Net operating income to assets | 1.8226% | 539 |
| Return on assets (ROA) | 1.8226% | 541 |
| Pretax return on assets | 2.5317% | 201 |
| Return on Equity (ROE) | 20.8003% | 206 |
| Retained earnings to average equity (ytd only) | 20.8003% | 90 |
| Net charge-offs to loans | -0.0339% | 4,795 |
| Credit loss provision to net charge-offs | -281.6327% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2578% | 5,339 |
| Assets per employee ($millions) | 13.0771% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,824 |
| Loan loss allowance to noncurrent loans | 109.8539% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,032 |
| Noncurrent loans to loans | 0.9320% | 1,955 |
| Net loans and leases to total assets | 79.8685% | 957 |
| Net loans and leases to deposits | 88.5529% | 1,866 |
| Net loans and leases to core deposits | 96.5944% | 1,935 |
| Total domestic deposits to total assets | 90.1930% | 583 |
| Equity capital to assets | 9.2739% | 4,294 |
| Core capital (leverage) ratio | 9.1602% | 4,493 |
| Tier 1 risk-based capital ratio | 10.2226% | 5,433 |
| Total risk-based capital ratio | 11.1328% | 5,473 |
| Memoranda: | ||
| Average total assets | $743,539,000 | 1,016 |
| Average earning assets | $729,312,000 | 970 |
| Average equity | $65,153,000 | 1,233 |
| Average total loans | $577,957,000 | 929 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,520 |
| Cost of funding earning assets | 0.3772% | 3,444 |
| Net interest margin | 3.8670% | 2,193 |
| Noninterest income to average assets | 0.5604% | 2,652 |
| Noninterest expense to average assets | 2.0496% | 4,879 |
| Loan and lease loss provision to assets | 0.1690% | 1,300 |
| Net operating income to assets | 1.2023% | 1,519 |
| Return on assets (ROA) | 1.2023% | 1,545 |
| Pretax return on assets | 2.1209% | 377 |
| Return on Equity (ROE) | 14.6315% | 670 |
| Retained earnings to average equity (ytd only) | 14.6315% | 90 |
| Net charge-offs to loans | 0.1301% | 1,752 |
| Credit loss provision to net charge-offs | 176.7616% | 1,537 |
| Earnings coverage of net charge-offs (x) | 23.9460% | 1,780 |
| Efficiency ratio | 47.2314% | 5,347 |
| Assets per employee ($millions) | 14.2192% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,949 |
| Loan loss allowance to noncurrent loans | 105.8672% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 2,160 |
| Noncurrent loans to loans | 0.9447% | 1,883 |
| Net loans and leases to total assets | 74.2044% | 1,883 |
| Net loans and leases to deposits | 81.3489% | 2,778 |
| Net loans and leases to core deposits | 88.8850% | 2,659 |
| Total domestic deposits to total assets | 91.2174% | 191 |
| Equity capital to assets | 8.2835% | 5,265 |
| Core capital (leverage) ratio | 8.6410% | 5,000 |
| Tier 1 risk-based capital ratio | 9.8572% | 5,558 |
| Total risk-based capital ratio | 10.7536% | 5,583 |
| Memoranda: | ||
| Average total assets | $697,485,400 | 1,049 |
| Average earning assets | $681,644,200 | 989 |
| Average equity | $57,314,600 | 1,373 |
| Average total loans | $512,496,200 | 1,002 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 2,668 |
| Cost of funding earning assets | 0.3718% | 3,448 |
| Net interest margin | 3.8122% | 2,351 |
| Noninterest income to average assets | 0.5654% | 2,643 |
| Noninterest expense to average assets | 2.0561% | 4,835 |
| Loan and lease loss provision to assets | 0.1788% | 1,124 |
| Net operating income to assets | 1.2327% | 1,567 |
| Return on assets (ROA) | 1.2327% | 1,594 |
| Pretax return on assets | 2.0544% | 490 |
| Return on Equity (ROE) | 15.0355% | 646 |
| Retained earnings to average equity (ytd only) | 15.0355% | 118 |
| Net charge-offs to loans | -0.0266% | 4,958 |
| Credit loss provision to net charge-offs | -921.2121% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9358% | 5,343 |
| Assets per employee ($millions) | 13.0825% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,097 |
| Loan loss allowance to noncurrent loans | 125.9207% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 2,305 |
| Noncurrent loans to loans | 0.9278% | 2,067 |
| Net loans and leases to total assets | 76.3349% | 1,529 |
| Net loans and leases to deposits | 83.9426% | 2,565 |
| Net loans and leases to core deposits | 91.5979% | 2,484 |
| Total domestic deposits to total assets | 90.9370% | 201 |
| Equity capital to assets | 8.5917% | 5,229 |
| Core capital (leverage) ratio | 8.5494% | 5,208 |
| Tier 1 risk-based capital ratio | 9.8754% | 5,620 |
| Total risk-based capital ratio | 10.9194% | 5,630 |
| Memoranda: | ||
| Average total assets | $679,897,750 | 1,081 |
| Average earning assets | $664,161,000 | 1,029 |
| Average equity | $55,742,250 | 1,411 |
| Average total loans | $496,739,250 | 1,035 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,030 |
| Cost of funding earning assets | 0.3695% | 3,386 |
| Net interest margin | 3.6738% | 2,743 |
| Noninterest income to average assets | 0.5280% | 2,842 |
| Noninterest expense to average assets | 2.0032% | 4,971 |
| Loan and lease loss provision to assets | 0.1978% | 934 |
| Net operating income to assets | 1.1475% | 1,789 |
| Return on assets (ROA) | 1.1475% | 1,838 |
| Pretax return on assets | 1.9126% | 628 |
| Return on Equity (ROE) | 14.3168% | 773 |
| Retained earnings to average equity (ytd only) | 14.3168% | 167 |
| Net charge-offs to loans | -0.0248% | 4,862 |
| Credit loss provision to net charge-offs | -1,113.3333% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6971% | 5,374 |
| Assets per employee ($millions) | 13.1286% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,250 |
| Loan loss allowance to noncurrent loans | 118.9566% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 2,341 |
| Noncurrent loans to loans | 0.9749% | 2,013 |
| Net loans and leases to total assets | 73.1735% | 2,009 |
| Net loans and leases to deposits | 80.0255% | 2,907 |
| Net loans and leases to core deposits | 86.5709% | 2,827 |
| Total domestic deposits to total assets | 91.4378% | 139 |
| Equity capital to assets | 8.0698% | 5,506 |
| Core capital (leverage) ratio | 8.2582% | 5,386 |
| Tier 1 risk-based capital ratio | 9.7395% | 5,677 |
| Total risk-based capital ratio | 10.7829% | 5,691 |
| Memoranda: | ||
| Average total assets | $675,407,000 | 1,085 |
| Average earning assets | $659,211,670 | 1,032 |
| Average equity | $54,132,330 | 1,444 |
| Average total loans | $483,805,670 | 1,068 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,314 |
| Cost of funding earning assets | 0.3678% | 3,338 |
| Net interest margin | 3.5543% | 3,065 |
| Noninterest income to average assets | 0.5225% | 2,822 |
| Noninterest expense to average assets | 1.9501% | 5,152 |
| Loan and lease loss provision to assets | 0.1527% | 1,209 |
| Net operating income to assets | 1.1479% | 1,677 |
| Return on assets (ROA) | 1.1479% | 1,713 |
| Pretax return on assets | 1.8948% | 645 |
| Return on Equity (ROE) | 14.3742% | 742 |
| Retained earnings to average equity (ytd only) | 14.3742% | 273 |
| Net charge-offs to loans | 0.0291% | 2,176 |
| Credit loss provision to net charge-offs | 747.0588% | 436 |
| Earnings coverage of net charge-offs (x) | 100.1471% | 533 |
| Efficiency ratio | 48.7816% | 5,429 |
| Assets per employee ($millions) | 12.6197% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,468 |
| Loan loss allowance to noncurrent loans | 132.8714% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 2,695 |
| Noncurrent loans to loans | 0.8584% | 2,313 |
| Net loans and leases to total assets | 72.1792% | 2,050 |
| Net loans and leases to deposits | 79.0983% | 2,851 |
| Net loans and leases to core deposits | 85.8239% | 2,732 |
| Total domestic deposits to total assets | 91.2525% | 224 |
| Equity capital to assets | 8.2432% | 5,390 |
| Core capital (leverage) ratio | 7.9913% | 5,564 |
| Tier 1 risk-based capital ratio | 9.8965% | 5,719 |
| Total risk-based capital ratio | 10.9027% | 5,742 |
| Memoranda: | ||
| Average total assets | $665,202,000 | 1,107 |
| Average earning assets | $650,364,500 | 1,044 |
| Average equity | $53,123,000 | 1,459 |
| Average total loans | $468,144,500 | 1,094 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0829% | 2,921 |
| Cost of funding earning assets | 0.3786% | 3,221 |
| Net interest margin | 3.7043% | 2,678 |
| Noninterest income to average assets | 0.4258% | 3,708 |
| Noninterest expense to average assets | 2.0076% | 5,170 |
| Loan and lease loss provision to assets | 0.0473% | 3,445 |
| Net operating income to assets | 1.1932% | 1,533 |
| Return on assets (ROA) | 1.1932% | 1,623 |
| Pretax return on assets | 1.9429% | 572 |
| Return on Equity (ROE) | 14.4613% | 705 |
| Retained earnings to average equity (ytd only) | 13.4451% | 152 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2181% | 5,476 |
| Assets per employee ($millions) | 13.7588% | 110 |
| Cash dividends to net income (ytd only)* | 7.0274% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,447 |
| Loan loss allowance to noncurrent loans | 120.6579% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 2,723 |
| Noncurrent loans to loans | 0.9509% | 2,187 |
| Net loans and leases to total assets | 67.0328% | 2,923 |
| Net loans and leases to deposits | 72.9780% | 3,617 |
| Net loans and leases to core deposits | 78.8956% | 3,490 |
| Total domestic deposits to total assets | 91.8535% | 122 |
| Equity capital to assets | 7.7356% | 5,655 |
| Core capital (leverage) ratio | 8.0155% | 5,613 |
| Tier 1 risk-based capital ratio | 10.0833% | 5,716 |
| Total risk-based capital ratio | 11.1040% | 5,743 |
| Memoranda: | ||
| Average total assets | $596,278,200 | 1,173 |
| Average earning assets | $574,976,800 | 1,131 |
| Average equity | $49,200,200 | 1,541 |
| Average total loans | $436,472,000 | 1,118 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 2,635 |
| Cost of funding earning assets | 0.3821% | 3,208 |
| Net interest margin | 3.7809% | 2,407 |
| Noninterest income to average assets | 0.4260% | 3,724 |
| Noninterest expense to average assets | 2.0157% | 5,169 |
| Loan and lease loss provision to assets | 0.0414% | 3,407 |
| Net operating income to assets | 1.2173% | 1,583 |
| Return on assets (ROA) | 1.2173% | 1,681 |
| Pretax return on assets | 1.9939% | 576 |
| Return on Equity (ROE) | 14.4879% | 743 |
| Retained earnings to average equity (ytd only) | 14.4879% | 150 |
| Net charge-offs to loans | 0.0597% | 2,494 |
| Credit loss provision to net charge-offs | 92.7461% | 2,488 |
| Earnings coverage of net charge-offs (x) | 45.6212% | 1,143 |
| Efficiency ratio | 49.7575% | 5,522 |
| Assets per employee ($millions) | 11.9458% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,883 |
| Loan loss allowance to noncurrent loans | 88.9948% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 2,227 |
| Noncurrent loans to loans | 1.2248% | 1,832 |
| Net loans and leases to total assets | 73.7116% | 1,917 |
| Net loans and leases to deposits | 80.7744% | 2,879 |
| Net loans and leases to core deposits | 88.0204% | 2,759 |
| Total domestic deposits to total assets | 91.2561% | 148 |
| Equity capital to assets | 8.3865% | 5,589 |
| Core capital (leverage) ratio | 8.3747% | 5,444 |
| Tier 1 risk-based capital ratio | 10.1218% | 5,751 |
| Total risk-based capital ratio | 11.1153% | 5,792 |
| Memoranda: | ||
| Average total assets | $576,802,750 | 1,213 |
| Average earning assets | $553,005,000 | 1,166 |
| Average equity | $48,462,250 | 1,567 |
| Average total loans | $431,298,250 | 1,127 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 2,361 |
| Cost of funding earning assets | 0.3886% | 3,163 |
| Net interest margin | 3.8518% | 2,129 |
| Noninterest income to average assets | 0.4382% | 3,611 |
| Noninterest expense to average assets | 1.9905% | 5,292 |
| Loan and lease loss provision to assets | 0.0053% | 3,950 |
| Net operating income to assets | 1.3032% | 1,261 |
| Return on assets (ROA) | 1.3032% | 1,364 |
| Pretax return on assets | 2.1410% | 428 |
| Return on Equity (ROE) | 15.5007% | 610 |
| Retained earnings to average equity (ytd only) | 15.5007% | 129 |
| Net charge-offs to loans | 0.0812% | 2,037 |
| Credit loss provision to net charge-offs | 8.7209% | 3,004 |
| Earnings coverage of net charge-offs (x) | 35.3140% | 1,255 |
| Efficiency ratio | 48.1165% | 5,659 |
| Assets per employee ($millions) | 11.7895% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,893 |
| Loan loss allowance to noncurrent loans | 103.5776% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 2,441 |
| Noncurrent loans to loans | 1.0719% | 2,146 |
| Net loans and leases to total assets | 77.2576% | 1,295 |
| Net loans and leases to deposits | 86.0175% | 2,255 |
| Net loans and leases to core deposits | 94.5481% | 2,107 |
| Total domestic deposits to total assets | 89.8162% | 559 |
| Equity capital to assets | 8.9506% | 5,275 |
| Core capital (leverage) ratio | 8.5518% | 5,318 |
| Tier 1 risk-based capital ratio | 10.2793% | 5,768 |
| Total risk-based capital ratio | 11.2910% | 5,788 |
| Memoranda: | ||
| Average total assets | $565,991,000 | 1,240 |
| Average earning assets | $543,489,670 | 1,194 |
| Average equity | $47,585,000 | 1,594 |
| Average total loans | $423,721,670 | 1,150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,609 |
| Cost of funding earning assets | 0.3799% | 3,297 |
| Net interest margin | 3.7829% | 2,356 |
| Noninterest income to average assets | 0.4301% | 3,615 |
| Noninterest expense to average assets | 1.8499% | 5,593 |
| Loan and lease loss provision to assets | 0.1028% | 1,986 |
| Net operating income to assets | 1.2617% | 1,370 |
| Return on assets (ROA) | 1.2617% | 1,462 |
| Pretax return on assets | 2.0779% | 487 |
| Return on Equity (ROE) | 15.4918% | 602 |
| Retained earnings to average equity (ytd only) | 15.4918% | 221 |
| Net charge-offs to loans | -0.0353% | 5,136 |
| Credit loss provision to net charge-offs | -397.2973% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8962% | 5,816 |
| Assets per employee ($millions) | 12.1452% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,345 |
| Loan loss allowance to noncurrent loans | 89.9336% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0489% | 2,112 |
| Noncurrent loans to loans | 1.3602% | 1,750 |
| Net loans and leases to total assets | 74.3763% | 1,669 |
| Net loans and leases to deposits | 81.5684% | 2,597 |
| Net loans and leases to core deposits | 89.3777% | 2,432 |
| Total domestic deposits to total assets | 91.1828% | 221 |
| Equity capital to assets | 8.5255% | 5,551 |
| Core capital (leverage) ratio | 8.2925% | 5,578 |
| Tier 1 risk-based capital ratio | 10.1183% | 5,887 |
| Total risk-based capital ratio | 11.2267% | 5,877 |
| Memoranda: | ||
| Average total assets | $571,933,000 | 1,227 |
| Average earning assets | $544,351,000 | 1,191 |
| Average equity | $46,579,500 | 1,616 |
| Average total loans | $419,134,500 | 1,159 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,928 |
| Cost of funding earning assets | 0.4124% | 3,031 |
| Net interest margin | 3.6858% | 2,802 |
| Noninterest income to average assets | 0.5161% | 3,222 |
| Noninterest expense to average assets | 1.8975% | 5,620 |
| Loan and lease loss provision to assets | -0.0975% | 5,851 |
| Net operating income to assets | 1.3677% | 1,107 |
| Return on assets (ROA) | 1.3677% | 1,153 |
| Pretax return on assets | 2.2485% | 313 |
| Return on Equity (ROE) | 14.5804% | 752 |
| Retained earnings to average equity (ytd only) | -9.7106% | 6,032 |
| Net charge-offs to loans | 0.3894% | 736 |
| Credit loss provision to net charge-offs | -35.2437% | 5,025 |
| Earnings coverage of net charge-offs (x) | 7.7734% | 3,041 |
| Efficiency ratio | 46.8684% | 5,882 |
| Assets per employee ($millions) | 13.2997% | 112 |
| Cash dividends to net income (ytd only)* | 166.6000% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 3,548 |
| Loan loss allowance to noncurrent loans | 94.0318% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 2,354 |
| Noncurrent loans to loans | 1.2639% | 1,862 |
| Net loans and leases to total assets | 70.5134% | 2,291 |
| Net loans and leases to deposits | 76.7723% | 3,176 |
| Net loans and leases to core deposits | 83.8817% | 2,978 |
| Total domestic deposits to total assets | 91.8474% | 124 |
| Equity capital to assets | 7.7802% | 5,925 |
| Core capital (leverage) ratio | 8.2333% | 5,662 |
| Tier 1 risk-based capital ratio | 9.6417% | 6,026 |
| Total risk-based capital ratio | 10.7013% | 6,038 |
| Memoranda: | ||
| Average total assets | $548,576,400 | 1,237 |
| Average earning assets | $525,747,800 | 1,201 |
| Average equity | $51,459,400 | 1,441 |
| Average total loans | $389,846,600 | 1,182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,858 |
| Cost of funding earning assets | 0.4278% | 2,933 |
| Net interest margin | 3.6915% | 2,804 |
| Noninterest income to average assets | 0.4466% | 3,742 |
| Noninterest expense to average assets | 1.9022% | 5,631 |
| Loan and lease loss provision to assets | -0.2877% | 6,150 |
| Net operating income to assets | 1.4647% | 979 |
| Return on assets (ROA) | 1.4647% | 1,020 |
| Pretax return on assets | 2.3986% | 287 |
| Return on Equity (ROE) | 14.9241% | 736 |
| Retained earnings to average equity (ytd only) | 7.3689% | 1,513 |
| Net charge-offs to loans | -0.0418% | 5,484 |
| Credit loss provision to net charge-offs | 970.0000% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4008% | 5,903 |
| Assets per employee ($millions) | 11.9315% | 149 |
| Cash dividends to net income (ytd only)* | 50.6243% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,968 |
| Loan loss allowance to noncurrent loans | 115.8038% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 1,780 |
| Noncurrent loans to loans | 1.3377% | 1,912 |
| Net loans and leases to total assets | 72.2973% | 2,012 |
| Net loans and leases to deposits | 80.8672% | 2,782 |
| Net loans and leases to core deposits | 89.5886% | 2,504 |
| Total domestic deposits to total assets | 89.4024% | 816 |
| Equity capital to assets | 10.2164% | 3,911 |
| Core capital (leverage) ratio | 10.0577% | 3,550 |
| Tier 1 risk-based capital ratio | 12.2201% | 4,947 |
| Total risk-based capital ratio | 13.4715% | 4,850 |
| Memoranda: | ||
| Average total assets | $539,423,750 | 1,266 |
| Average earning assets | $521,143,500 | 1,214 |
| Average equity | $52,942,000 | 1,419 |
| Average total loans | $382,908,750 | 1,209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0978% | 2,904 |
| Cost of funding earning assets | 0.4453% | 2,780 |
| Net interest margin | 3.6525% | 2,901 |
| Noninterest income to average assets | 0.4516% | 3,696 |
| Noninterest expense to average assets | 1.8948% | 5,718 |
| Loan and lease loss provision to assets | -0.5788% | 6,287 |
| Net operating income to assets | 1.6291% | 708 |
| Return on assets (ROA) | 1.6291% | 736 |
| Pretax return on assets | 2.6591% | 201 |
| Return on Equity (ROE) | 16.8200% | 510 |
| Retained earnings to average equity (ytd only) | 16.8200% | 130 |
| Net charge-offs to loans | -0.2424% | 6,075 |
| Credit loss provision to net charge-offs | 340.1728% | 851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6657% | 5,979 |
| Assets per employee ($millions) | 14.1490% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 2,169 |
| Loan loss allowance to noncurrent loans | 125.9117% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 2,295 |
| Noncurrent loans to loans | 1.2140% | 2,225 |
| Net loans and leases to total assets | 65.5619% | 3,027 |
| Net loans and leases to deposits | 73.2905% | 3,578 |
| Net loans and leases to core deposits | 80.3893% | 3,342 |
| Total domestic deposits to total assets | 89.4549% | 918 |
| Equity capital to assets | 9.4877% | 4,668 |
| Core capital (leverage) ratio | 10.3617% | 3,132 |
| Tier 1 risk-based capital ratio | 12.4706% | 4,829 |
| Total risk-based capital ratio | 13.7220% | 4,741 |
| Memoranda: | ||
| Average total assets | $544,235,670 | 1,260 |
| Average earning assets | $525,008,330 | 1,213 |
| Average equity | $52,711,000 | 1,435 |
| Average total loans | $382,037,000 | 1,209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 2,522 |
| Cost of funding earning assets | 0.4728% | 2,531 |
| Net interest margin | 3.7093% | 2,588 |
| Noninterest income to average assets | 0.4568% | 3,594 |
| Noninterest expense to average assets | 1.7891% | 5,919 |
| Loan and lease loss provision to assets | 0.1300% | 1,593 |
| Net operating income to assets | 1.3262% | 1,193 |
| Return on assets (ROA) | 1.3262% | 1,273 |
| Pretax return on assets | 2.1448% | 442 |
| Return on Equity (ROE) | 13.5410% | 968 |
| Retained earnings to average equity (ytd only) | 13.5410% | 394 |
| Net charge-offs to loans | -0.0263% | 5,177 |
| Credit loss provision to net charge-offs | -684.0000% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0247% | 6,179 |
| Assets per employee ($millions) | 12.8921% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 1,309 |
| Loan loss allowance to noncurrent loans | 140.5653% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 2,046 |
| Noncurrent loans to loans | 1.3433% | 2,141 |
| Net loans and leases to total assets | 70.8873% | 2,006 |
| Net loans and leases to deposits | 79.1529% | 2,662 |
| Net loans and leases to core deposits | 89.4320% | 2,184 |
| Total domestic deposits to total assets | 89.5574% | 965 |
| Equity capital to assets | 9.9215% | 4,232 |
| Core capital (leverage) ratio | 9.7850% | 3,907 |
| Tier 1 risk-based capital ratio | 12.2874% | 5,050 |
| Total risk-based capital ratio | 13.5432% | 4,963 |
| Memoranda: | ||
| Average total assets | $526,299,500 | 1,298 |
| Average earning assets | $511,797,500 | 1,242 |
| Average equity | $51,547,000 | 1,466 |
| Average total loans | $379,938,500 | 1,214 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 2,439 |
| Cost of funding earning assets | 0.5450% | 2,244 |
| Net interest margin | 3.7999% | 2,623 |
| Noninterest income to average assets | 0.4215% | 4,026 |
| Noninterest expense to average assets | 1.8441% | 6,013 |
| Loan and lease loss provision to assets | 2.0126% | 29 |
| Net operating income to assets | 0.1314% | 5,912 |
| Return on assets (ROA) | 0.1314% | 5,957 |
| Pretax return on assets | 0.2257% | 5,829 |
| Return on Equity (ROE) | 1.2226% | 5,942 |
| Retained earnings to average equity (ytd only) | -1.6654% | 5,980 |
| Net charge-offs to loans | 2.2749% | 72 |
| Credit loss provision to net charge-offs | 117.7175% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.3092% | 4,450 |
| Efficiency ratio | 45.1726% | 6,296 |
| Assets per employee ($millions) | 12.7944% | 120 |
| Cash dividends to net income (ytd only)* | 236.2205% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,587 |
| Loan loss allowance to noncurrent loans | 106.5480% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 1,650 |
| Noncurrent loans to loans | 1.6647% | 1,754 |
| Net loans and leases to total assets | 70.7758% | 2,112 |
| Net loans and leases to deposits | 78.6680% | 2,886 |
| Net loans and leases to core deposits | 88.7231% | 2,416 |
| Total domestic deposits to total assets | 89.9678% | 742 |
| Equity capital to assets | 9.7600% | 4,406 |
| Core capital (leverage) ratio | 9.3785% | 4,422 |
| Tier 1 risk-based capital ratio | 12.4549% | 5,060 |
| Total risk-based capital ratio | 13.7106% | 4,980 |
| Memoranda: | ||
| Average total assets | $483,314,800 | 1,379 |
| Average earning assets | $465,647,800 | 1,319 |
| Average equity | $51,938,000 | 1,402 |
| Average total loans | $363,223,600 | 1,222 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 2,281 |
| Cost of funding earning assets | 0.5601% | 2,193 |
| Net interest margin | 3.8235% | 2,530 |
| Noninterest income to average assets | 0.4510% | 3,889 |
| Noninterest expense to average assets | 1.8429% | 6,036 |
| Loan and lease loss provision to assets | 2.0259% | 32 |
| Net operating income to assets | 0.1294% | 5,980 |
| Return on assets (ROA) | 0.1294% | 6,011 |
| Pretax return on assets | 0.2497% | 5,863 |
| Return on Equity (ROE) | 1.1741% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.1741% | 5,419 |
| Net charge-offs to loans | 1.5835% | 146 |
| Credit loss provision to net charge-offs | 168.3138% | 1,460 |
| Earnings coverage of net charge-offs (x) | 1.8906% | 4,050 |
| Efficiency ratio | 44.7471% | 6,339 |
| Assets per employee ($millions) | 12.8767% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 1,009 |
| Loan loss allowance to noncurrent loans | 70.1195% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.2914% | 1,189 |
| Noncurrent loans to loans | 3.0765% | 856 |
| Net loans and leases to total assets | 71.8302% | 1,881 |
| Net loans and leases to deposits | 80.1152% | 2,669 |
| Net loans and leases to core deposits | 90.7624% | 2,151 |
| Total domestic deposits to total assets | 89.6586% | 902 |
| Equity capital to assets | 10.1837% | 3,949 |
| Core capital (leverage) ratio | 10.0096% | 3,670 |
| Tier 1 risk-based capital ratio | 12.5079% | 5,165 |
| Total risk-based capital ratio | 13.7679% | 5,096 |
| Memoranda: | ||
| Average total assets | $473,001,250 | 1,423 |
| Average earning assets | $453,710,250 | 1,364 |
| Average equity | $52,123,000 | 1,407 |
| Average total loans | $359,536,500 | 1,238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,104 |
| Cost of funding earning assets | 0.5854% | 2,022 |
| Net interest margin | 3.8356% | 2,431 |
| Noninterest income to average assets | 0.3930% | 4,287 |
| Noninterest expense to average assets | 1.8641% | 6,057 |
| Loan and lease loss provision to assets | 2.5705% | 22 |
| Net operating income to assets | -0.2427% | 6,342 |
| Return on assets (ROA) | -0.2427% | 6,355 |
| Pretax return on assets | -0.3673% | 6,385 |
| Return on Equity (ROE) | -2.1418% | 6,340 |
| Retained earnings to average equity (ytd only) | -2.1418% | 6,011 |
| Net charge-offs to loans | 2.4209% | 83 |
| Credit loss provision to net charge-offs | 137.9238% | 1,546 |
| Earnings coverage of net charge-offs (x) | 1.1821% | 3,875 |
| Efficiency ratio | 45.8324% | 6,371 |
| Assets per employee ($millions) | 11.6426% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,593 |
| Loan loss allowance to noncurrent loans | 51.6059% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 896 |
| Noncurrent loans to loans | 3.6777% | 698 |
| Net loans and leases to total assets | 74.2935% | 1,400 |
| Net loans and leases to deposits | 83.4542% | 2,090 |
| Net loans and leases to core deposits | 95.9329% | 1,606 |
| Total domestic deposits to total assets | 89.0231% | 1,337 |
| Equity capital to assets | 10.7926% | 3,099 |
| Core capital (leverage) ratio | 10.4530% | 3,004 |
| Tier 1 risk-based capital ratio | 12.8200% | 5,024 |
| Total risk-based capital ratio | 14.0769% | 4,956 |
| Memoranda: | ||
| Average total assets | $458,979,670 | 1,461 |
| Average earning assets | $439,674,000 | 1,402 |
| Average equity | $52,013,000 | 1,398 |
| Average total loans | $353,338,670 | 1,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,296 |
| Cost of funding earning assets | 0.6024% | 1,951 |
| Net interest margin | 3.7570% | 2,651 |
| Noninterest income to average assets | 0.4002% | 4,186 |
| Noninterest expense to average assets | 1.8337% | 6,175 |
| Loan and lease loss provision to assets | 0.9249% | 123 |
| Net operating income to assets | 0.7319% | 3,533 |
| Return on assets (ROA) | 0.7319% | 3,612 |
| Pretax return on assets | 1.2468% | 2,293 |
| Return on Equity (ROE) | 6.2992% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.2992% | 2,380 |
| Net charge-offs to loans | -0.0183% | 5,311 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7815% | 6,437 |
| Assets per employee ($millions) | 11.6939% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,054 |
| Loan loss allowance to noncurrent loans | 38.8436% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 3.5905% | 719 |
| Noncurrent loans to loans | 4.6270% | 507 |
| Net loans and leases to total assets | 75.4178% | 1,069 |
| Net loans and leases to deposits | 85.5196% | 1,656 |
| Net loans and leases to core deposits | 99.7436% | 1,120 |
| Total domestic deposits to total assets | 88.1878% | 2,119 |
| Equity capital to assets | 11.5605% | 2,195 |
| Core capital (leverage) ratio | 11.1626% | 2,256 |
| Tier 1 risk-based capital ratio | 13.7141% | 4,528 |
| Total risk-based capital ratio | 14.9699% | 4,480 |
| Memoranda: | ||
| Average total assets | $449,796,000 | 1,485 |
| Average earning assets | $431,617,000 | 1,439 |
| Average equity | $52,260,500 | 1,385 |
| Average total loans | $349,258,500 | 1,255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 1,488 |
| Cost of funding earning assets | 0.6328% | 2,356 |
| Net interest margin | 4.0983% | 1,645 |
| Noninterest income to average assets | 0.2746% | 5,390 |
| Noninterest expense to average assets | 1.9435% | 6,117 |
| Loan and lease loss provision to assets | 0.5870% | 434 |
| Net operating income to assets | 1.0025% | 2,312 |
| Return on assets (ROA) | 1.0025% | 2,382 |
| Pretax return on assets | 1.7047% | 940 |
| Return on Equity (ROE) | 8.2625% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.2625% | 966 |
| Net charge-offs to loans | 0.2082% | 2,791 |
| Credit loss provision to net charge-offs | 350.1449% | 646 |
| Earnings coverage of net charge-offs (x) | 13.6696% | 1,999 |
| Efficiency ratio | 45.8895% | 6,560 |
| Assets per employee ($millions) | 11.3726% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,159 |
| Loan loss allowance to noncurrent loans | 33.3206% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.5831% | 799 |
| Noncurrent loans to loans | 4.5146% | 585 |
| Net loans and leases to total assets | 77.3411% | 910 |
| Net loans and leases to deposits | 87.9867% | 1,468 |
| Net loans and leases to core deposits | 103.4532% | 947 |
| Total domestic deposits to total assets | 87.9009% | 2,235 |
| Equity capital to assets | 11.6786% | 2,045 |
| Core capital (leverage) ratio | 11.2711% | 2,142 |
| Tier 1 risk-based capital ratio | 13.5988% | 4,582 |
| Total risk-based capital ratio | 14.8510% | 4,527 |
| Memoranda: | ||
| Average total assets | $411,579,600 | 1,602 |
| Average earning assets | $397,754,400 | 1,520 |
| Average equity | $49,936,200 | 1,418 |
| Average total loans | $331,388,800 | 1,286 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 1,600 |
| Cost of funding earning assets | 0.6369% | 2,485 |
| Net interest margin | 4.0628% | 1,750 |
| Noninterest income to average assets | 0.2223% | 5,834 |
| Noninterest expense to average assets | 1.9514% | 6,096 |
| Loan and lease loss provision to assets | 0.3753% | 826 |
| Net operating income to assets | 1.0730% | 2,108 |
| Return on assets (ROA) | 1.0730% | 2,188 |
| Pretax return on assets | 1.8279% | 845 |
| Return on Equity (ROE) | 8.7538% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.7538% | 1,137 |
| Net charge-offs to loans | 0.1573% | 2,979 |
| Credit loss provision to net charge-offs | 294.3005% | 867 |
| Earnings coverage of net charge-offs (x) | 17.2773% | 1,741 |
| Efficiency ratio | 46.9704% | 6,553 |
| Assets per employee ($millions) | 10.4622% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 4,782 |
| Loan loss allowance to noncurrent loans | 68.6966% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6543% | 2,485 |
| Noncurrent loans to loans | 1.7761% | 2,534 |
| Net loans and leases to total assets | 82.4898% | 333 |
| Net loans and leases to deposits | 94.4595% | 803 |
| Net loans and leases to core deposits | 113.5967% | 461 |
| Total domestic deposits to total assets | 87.3282% | 2,494 |
| Equity capital to assets | 12.2085% | 1,777 |
| Core capital (leverage) ratio | 11.5761% | 1,980 |
| Tier 1 risk-based capital ratio | 13.2484% | 4,945 |
| Total risk-based capital ratio | 14.3942% | 4,973 |
| Memoranda: | ||
| Average total assets | $403,592,000 | 1,644 |
| Average earning assets | $390,626,000 | 1,558 |
| Average equity | $49,470,750 | 1,439 |
| Average total loans | $327,168,500 | 1,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6422% | 1,719 |
| Cost of funding earning assets | 0.6429% | 2,564 |
| Net interest margin | 3.9993% | 1,857 |
| Noninterest income to average assets | 0.2263% | 5,825 |
| Noninterest expense to average assets | 1.9005% | 6,221 |
| Loan and lease loss provision to assets | 0.3954% | 794 |
| Net operating income to assets | 1.0586% | 2,084 |
| Return on assets (ROA) | 1.0586% | 2,197 |
| Pretax return on assets | 1.7977% | 934 |
| Return on Equity (ROE) | 8.6244% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.6244% | 1,251 |
| Net charge-offs to loans | 0.1639% | 2,804 |
| Credit loss provision to net charge-offs | 300.7634% | 850 |
| Earnings coverage of net charge-offs (x) | 16.6832% | 1,650 |
| Efficiency ratio | 46.4273% | 6,618 |
| Assets per employee ($millions) | 11.8941% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 4,951 |
| Loan loss allowance to noncurrent loans | 68.1397% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6119% | 2,701 |
| Noncurrent loans to loans | 1.7715% | 2,672 |
| Net loans and leases to total assets | 77.2209% | 838 |
| Net loans and leases to deposits | 87.7260% | 1,375 |
| Net loans and leases to core deposits | 104.8218% | 803 |
| Total domestic deposits to total assets | 88.0251% | 2,231 |
| Equity capital to assets | 11.6687% | 2,161 |
| Core capital (leverage) ratio | 11.7482% | 1,767 |
| Tier 1 risk-based capital ratio | 13.4683% | 4,789 |
| Total risk-based capital ratio | 14.5971% | 4,827 |
| Memoranda: | ||
| Average total assets | $398,627,000 | 1,660 |
| Average earning assets | $385,464,000 | 1,574 |
| Average equity | $48,930,670 | 1,459 |
| Average total loans | $319,733,670 | 1,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 1,857 |
| Cost of funding earning assets | 0.6425% | 2,724 |
| Net interest margin | 3.9474% | 1,955 |
| Noninterest income to average assets | 0.0886% | 6,619 |
| Noninterest expense to average assets | 1.7590% | 6,485 |
| Loan and lease loss provision to assets | 0.5929% | 431 |
| Net operating income to assets | 0.9275% | 2,535 |
| Return on assets (ROA) | 0.9275% | 2,677 |
| Pretax return on assets | 1.5715% | 1,374 |
| Return on Equity (ROE) | 7.3532% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.3532% | 1,999 |
| Net charge-offs to loans | -0.0090% | 5,400 |
| Credit loss provision to net charge-offs | -8,128.5714% | 5,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8340% | 6,740 |
| Assets per employee ($millions) | 10.9536% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,928 |
| Loan loss allowance to noncurrent loans | 88.5090% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3803% | 3,199 |
| Noncurrent loans to loans | 1.4152% | 3,444 |
| Net loans and leases to total assets | 79.5582% | 466 |
| Net loans and leases to deposits | 90.8631% | 898 |
| Net loans and leases to core deposits | 112.2461% | 432 |
| Total domestic deposits to total assets | 87.5583% | 2,600 |
| Equity capital to assets | 12.0521% | 2,007 |
| Core capital (leverage) ratio | 12.7354% | 1,226 |
| Tier 1 risk-based capital ratio | 13.6284% | 4,772 |
| Total risk-based capital ratio | 14.8048% | 4,790 |
| Memoranda: | ||
| Average total assets | $383,847,000 | 1,741 |
| Average earning assets | $372,904,000 | 1,644 |
| Average equity | $48,414,000 | 1,493 |
| Average total loans | $312,255,500 | 1,366 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 3,120 |
| Cost of funding earning assets | 0.6877% | 3,588 |
| Net interest margin | 3.8834% | 2,901 |
| Noninterest income to average assets | 0.4313% | 4,375 |
| Noninterest expense to average assets | 2.0342% | 6,267 |
| Loan and lease loss provision to assets | 0.6488% | 824 |
| Net operating income to assets | 0.8805% | 2,914 |
| Return on assets (ROA) | 0.8805% | 3,155 |
| Pretax return on assets | 1.5177% | 1,630 |
| Return on Equity (ROE) | 6.4140% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.4140% | 1,860 |
| Net charge-offs to loans | 1.0988% | 959 |
| Credit loss provision to net charge-offs | 76.9799% | 3,931 |
| Earnings coverage of net charge-offs (x) | 2.5706% | 4,133 |
| Efficiency ratio | 48.4251% | 6,685 |
| Assets per employee ($millions) | 10.3546% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 5,213 |
| Loan loss allowance to noncurrent loans | 64.2531% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 2,623 |
| Noncurrent loans to loans | 1.8353% | 2,873 |
| Net loans and leases to total assets | 81.2533% | 380 |
| Net loans and leases to deposits | 94.0802% | 743 |
| Net loans and leases to core deposits | 112.9574% | 438 |
| Total domestic deposits to total assets | 86.3660% | 3,165 |
| Equity capital to assets | 13.2399% | 1,339 |
| Core capital (leverage) ratio | 13.2018% | 1,046 |
| Tier 1 risk-based capital ratio | 14.5051% | 4,032 |
| Total risk-based capital ratio | 15.6019% | 4,086 |
| Memoranda: | ||
| Average total assets | $337,092,000 | 1,919 |
| Average earning assets | $327,185,600 | 1,813 |
| Average equity | $46,273,800 | 1,506 |
| Average total loans | $258,549,200 | 1,602 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 3,649 |
| Cost of funding earning assets | 0.7045% | 3,723 |
| Net interest margin | 3.7928% | 3,364 |
| Noninterest income to average assets | 0.3628% | 4,919 |
| Noninterest expense to average assets | 2.0365% | 6,296 |
| Loan and lease loss provision to assets | 0.7127% | 706 |
| Net operating income to assets | 0.7486% | 3,697 |
| Return on assets (ROA) | 0.7486% | 3,949 |
| Pretax return on assets | 1.2964% | 2,622 |
| Return on Equity (ROE) | 5.4005% | 4,644 |
| Retained earnings to average equity (ytd only) | 5.4005% | 3,096 |
| Net charge-offs to loans | 0.1448% | 3,953 |
| Credit loss provision to net charge-offs | 654.8148% | 413 |
| Earnings coverage of net charge-offs (x) | 18.4593% | 1,561 |
| Efficiency ratio | 50.3388% | 6,561 |
| Assets per employee ($millions) | 10.0141% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 1,936 |
| Loan loss allowance to noncurrent loans | 67.7107% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.8692% | 1,830 |
| Noncurrent loans to loans | 3.0840% | 1,804 |
| Net loans and leases to total assets | 78.0014% | 729 |
| Net loans and leases to deposits | 90.6868% | 1,076 |
| Net loans and leases to core deposits | 106.0712% | 736 |
| Total domestic deposits to total assets | 86.0118% | 3,255 |
| Equity capital to assets | 13.7609% | 1,249 |
| Core capital (leverage) ratio | 13.5948% | 981 |
| Tier 1 risk-based capital ratio | 15.5299% | 3,513 |
| Total risk-based capital ratio | 16.7886% | 3,474 |
| Memoranda: | ||
| Average total assets | $330,762,250 | 1,965 |
| Average earning assets | $321,161,500 | 1,866 |
| Average equity | $45,846,500 | 1,531 |
| Average total loans | $248,690,250 | 1,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 4,055 |
| Cost of funding earning assets | 0.7300% | 3,772 |
| Net interest margin | 3.7017% | 3,810 |
| Noninterest income to average assets | 0.3810% | 4,791 |
| Noninterest expense to average assets | 2.0664% | 6,302 |
| Loan and lease loss provision to assets | 0.4647% | 1,374 |
| Net operating income to assets | 0.8348% | 3,220 |
| Return on assets (ROA) | 0.8348% | 3,484 |
| Pretax return on assets | 1.4417% | 2,046 |
| Return on Equity (ROE) | 6.0073% | 4,329 |
| Retained earnings to average equity (ytd only) | 6.0073% | 2,713 |
| Net charge-offs to loans | 0.3989% | 2,429 |
| Credit loss provision to net charge-offs | 158.2121% | 1,756 |
| Earnings coverage of net charge-offs (x) | 6.4906% | 2,629 |
| Efficiency ratio | 52.0135% | 6,504 |
| Assets per employee ($millions) | 9.3716% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8130% | 2,811 |
| Loan loss allowance to noncurrent loans | 45.2161% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.3499% | 1,606 |
| Noncurrent loans to loans | 4.0095% | 1,373 |
| Net loans and leases to total assets | 73.4264% | 1,339 |
| Net loans and leases to deposits | 85.7443% | 1,635 |
| Net loans and leases to core deposits | 101.1414% | 1,032 |
| Total domestic deposits to total assets | 85.6341% | 3,546 |
| Equity capital to assets | 14.1071% | 1,047 |
| Core capital (leverage) ratio | 13.7115% | 899 |
| Tier 1 risk-based capital ratio | 16.8045% | 2,758 |
| Total risk-based capital ratio | 18.0599% | 2,711 |
| Memoranda: | ||
| Average total assets | $327,523,000 | 1,981 |
| Average earning assets | $317,801,670 | 1,882 |
| Average equity | $45,511,000 | 1,532 |
| Average total loans | $241,172,670 | 1,710 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 4,119 |
| Cost of funding earning assets | 0.7775% | 3,646 |
| Net interest margin | 3.6718% | 3,954 |
| Noninterest income to average assets | 0.3838% | 4,801 |
| Noninterest expense to average assets | 2.0716% | 6,333 |
| Loan and lease loss provision to assets | 0.3055% | 2,062 |
| Net operating income to assets | 0.9130% | 2,856 |
| Return on assets (ROA) | 0.9130% | 3,074 |
| Pretax return on assets | 1.5681% | 1,671 |
| Return on Equity (ROE) | 6.6208% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.6208% | 2,620 |
| Net charge-offs to loans | -0.0736% | 6,684 |
| Credit loss provision to net charge-offs | -568.1818% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5093% | 6,492 |
| Assets per employee ($millions) | 10.2118% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,680 |
| Loan loss allowance to noncurrent loans | 48.1286% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 3.2928% | 1,755 |
| Noncurrent loans to loans | 3.9440% | 1,562 |
| Net loans and leases to total assets | 72.8463% | 1,250 |
| Net loans and leases to deposits | 85.4229% | 1,484 |
| Net loans and leases to core deposits | 105.1704% | 712 |
| Total domestic deposits to total assets | 85.2773% | 3,891 |
| Equity capital to assets | 14.3781% | 901 |
| Core capital (leverage) ratio | 13.3871% | 986 |
| Tier 1 risk-based capital ratio | 17.3884% | 2,522 |
| Total risk-based capital ratio | 18.6448% | 2,487 |
| Memoranda: | ||
| Average total assets | $327,281,500 | 1,990 |
| Average earning assets | $317,446,500 | 1,891 |
| Average equity | $45,130,500 | 1,536 |
| Average total loans | $239,114,000 | 1,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 4,317 |
| Cost of funding earning assets | 0.9254% | 3,918 |
| Net interest margin | 3.7580% | 4,037 |
| Noninterest income to average assets | 0.2429% | 5,803 |
| Noninterest expense to average assets | 1.8889% | 6,846 |
| Loan and lease loss provision to assets | 0.4785% | 2,210 |
| Net operating income to assets | 0.8609% | 2,767 |
| Return on assets (ROA) | 0.8609% | 2,916 |
| Pretax return on assets | 1.4915% | 1,500 |
| Return on Equity (ROE) | 7.0944% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.0944% | 1,456 |
| Net charge-offs to loans | 0.4706% | 3,106 |
| Credit loss provision to net charge-offs | 133.4566% | 2,272 |
| Earnings coverage of net charge-offs (x) | 5.4945% | 2,773 |
| Efficiency ratio | 48.9480% | 6,894 |
| Assets per employee ($millions) | 11.6551% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 3,149 |
| Loan loss allowance to noncurrent loans | 48.6916% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.8737% | 2,099 |
| Noncurrent loans to loans | 3.5203% | 1,825 |
| Net loans and leases to total assets | 70.7081% | 1,882 |
| Net loans and leases to deposits | 81.8326% | 2,221 |
| Net loans and leases to core deposits | 98.8019% | 1,277 |
| Total domestic deposits to total assets | 86.4058% | 3,072 |
| Equity capital to assets | 13.2382% | 1,386 |
| Core capital (leverage) ratio | 13.0874% | 1,107 |
| Tier 1 risk-based capital ratio | 16.6573% | 2,751 |
| Total risk-based capital ratio | 17.9118% | 2,709 |
| Memoranda: | ||
| Average total assets | $301,767,200 | 2,122 |
| Average earning assets | $290,364,000 | 2,019 |
| Average equity | $36,620,400 | 1,840 |
| Average total loans | $229,912,200 | 1,810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 4,010 |
| Cost of funding earning assets | 0.9715% | 3,881 |
| Net interest margin | 3.8310% | 3,715 |
| Noninterest income to average assets | 0.3662% | 4,941 |
| Noninterest expense to average assets | 1.9537% | 6,777 |
| Loan and lease loss provision to assets | 0.5343% | 1,847 |
| Net operating income to assets | 0.8951% | 2,755 |
| Return on assets (ROA) | 0.8951% | 2,904 |
| Pretax return on assets | 1.5551% | 1,499 |
| Return on Equity (ROE) | 7.5744% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.5744% | 1,675 |
| Net charge-offs to loans | 0.6372% | 2,336 |
| Credit loss provision to net charge-offs | 108.3102% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.2355% | 3,133 |
| Efficiency ratio | 48.3213% | 6,944 |
| Assets per employee ($millions) | 11.7920% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,238 |
| Loan loss allowance to noncurrent loans | 64.8950% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 2,651 |
| Noncurrent loans to loans | 2.6352% | 2,635 |
| Net loans and leases to total assets | 73.0176% | 1,500 |
| Net loans and leases to deposits | 85.6553% | 1,727 |
| Net loans and leases to core deposits | 108.9590% | 727 |
| Total domestic deposits to total assets | 85.2459% | 3,648 |
| Equity capital to assets | 14.3742% | 1,032 |
| Core capital (leverage) ratio | 14.9338% | 680 |
| Tier 1 risk-based capital ratio | 17.3630% | 2,501 |
| Total risk-based capital ratio | 18.6163% | 2,466 |
| Memoranda: | ||
| Average total assets | $292,709,500 | 2,189 |
| Average earning assets | $280,931,000 | 2,093 |
| Average equity | $34,589,250 | 1,945 |
| Average total loans | $226,600,250 | 1,843 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 3,690 |
| Cost of funding earning assets | 1.0053% | 3,914 |
| Net interest margin | 3.8795% | 3,395 |
| Noninterest income to average assets | 0.3853% | 4,794 |
| Noninterest expense to average assets | 1.9967% | 6,803 |
| Loan and lease loss provision to assets | 0.5728% | 1,692 |
| Net operating income to assets | 0.8803% | 2,733 |
| Return on assets (ROA) | 0.8803% | 2,834 |
| Pretax return on assets | 1.5371% | 1,411 |
| Return on Equity (ROE) | 8.0690% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.0690% | 1,440 |
| Net charge-offs to loans | 0.0858% | 4,787 |
| Credit loss provision to net charge-offs | 850.5155% | 383 |
| Earnings coverage of net charge-offs (x) | 31.3299% | 889 |
| Efficiency ratio | 48.6221% | 7,028 |
| Assets per employee ($millions) | 11.2990% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 2,220 |
| Loan loss allowance to noncurrent loans | 62.7440% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.9758% | 2,254 |
| Noncurrent loans to loans | 3.2765% | 2,181 |
| Net loans and leases to total assets | 73.4977% | 1,506 |
| Net loans and leases to deposits | 82.8173% | 2,312 |
| Net loans and leases to core deposits | 115.0612% | 547 |
| Total domestic deposits to total assets | 88.7468% | 1,695 |
| Equity capital to assets | 10.9179% | 3,039 |
| Core capital (leverage) ratio | 11.3910% | 1,986 |
| Tier 1 risk-based capital ratio | 12.9071% | 4,994 |
| Total risk-based capital ratio | 14.1626% | 4,967 |
| Memoranda: | ||
| Average total assets | $288,082,000 | 2,226 |
| Average earning assets | $276,325,000 | 2,133 |
| Average equity | $31,429,000 | 2,097 |
| Average total loans | $226,213,330 | 1,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 3,197 |
| Cost of funding earning assets | 1.0304% | 3,987 |
| Net interest margin | 3.9490% | 2,917 |
| Noninterest income to average assets | 0.2959% | 5,549 |
| Noninterest expense to average assets | 2.0727% | 6,689 |
| Loan and lease loss provision to assets | 0.2707% | 2,986 |
| Net operating income to assets | 1.0027% | 2,174 |
| Return on assets (ROA) | 1.0027% | 2,223 |
| Pretax return on assets | 1.7417% | 906 |
| Return on Equity (ROE) | 9.1942% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.1942% | 1,322 |
| Net charge-offs to loans | -0.0017% | 6,175 |
| Credit loss provision to net charge-offs | -19,300.0000% | 6,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7381% | 6,936 |
| Assets per employee ($millions) | 10.4524% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 3,051 |
| Loan loss allowance to noncurrent loans | 64.2146% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.8443% | 2,423 |
| Noncurrent loans to loans | 2.7816% | 2,720 |
| Net loans and leases to total assets | 77.8939% | 740 |
| Net loans and leases to deposits | 88.2312% | 1,437 |
| Net loans and leases to core deposits | 127.9102% | 293 |
| Total domestic deposits to total assets | 88.2838% | 2,201 |
| Equity capital to assets | 11.1553% | 2,534 |
| Core capital (leverage) ratio | 11.0646% | 2,139 |
| Tier 1 risk-based capital ratio | 12.5750% | 5,192 |
| Total risk-based capital ratio | 13.8292% | 5,165 |
| Memoranda: | ||
| Average total assets | $285,236,000 | 2,264 |
| Average earning assets | $273,687,000 | 2,172 |
| Average equity | $31,106,500 | 2,105 |
| Average total loans | $229,095,500 | 1,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 4,257 |
| Cost of funding earning assets | 1.2240% | 4,395 |
| Net interest margin | 3.8423% | 3,767 |
| Noninterest income to average assets | 0.2900% | 5,711 |
| Noninterest expense to average assets | 2.2692% | 6,435 |
| Loan and lease loss provision to assets | 0.7622% | 2,151 |
| Net operating income to assets | 0.9692% | 2,131 |
| Return on assets (ROA) | 0.9692% | 2,253 |
| Pretax return on assets | 0.9692% | 3,031 |
| Return on Equity (ROE) | 8.5951% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.5951% | 819 |
| Net charge-offs to loans | 0.5475% | 3,417 |
| Credit loss provision to net charge-offs | 168.8511% | 2,009 |
| Earnings coverage of net charge-offs (x) | 3.8357% | 3,169 |
| Efficiency ratio | 56.7217% | 6,496 |
| Assets per employee ($millions) | 11.0868% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 3,492 |
| Loan loss allowance to noncurrent loans | 69.3205% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 2.5734% | 2,708 |
| Noncurrent loans to loans | 2.3421% | 3,178 |
| Net loans and leases to total assets | 79.9841% | 661 |
| Net loans and leases to deposits | 89.8809% | 1,541 |
| Net loans and leases to core deposits | 128.1830% | 355 |
| Total domestic deposits to total assets | 88.9890% | 1,668 |
| Equity capital to assets | 10.6610% | 3,008 |
| Core capital (leverage) ratio | 11.2788% | 1,963 |
| Tier 1 risk-based capital ratio | 12.1408% | 5,345 |
| Total risk-based capital ratio | 13.2980% | 5,414 |
| Memoranda: | ||
| Average total assets | $260,312,800 | 2,452 |
| Average earning assets | $251,388,600 | 2,327 |
| Average equity | $29,353,800 | 2,224 |
| Average total loans | $214,631,400 | 2,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1421% | 4,112 |
| Cost of funding earning assets | 1.2906% | 4,284 |
| Net interest margin | 3.8515% | 3,743 |
| Noninterest income to average assets | 0.2732% | 5,927 |
| Noninterest expense to average assets | 2.2789% | 6,387 |
| Loan and lease loss provision to assets | 0.7605% | 2,013 |
| Net operating income to assets | 0.9579% | 2,383 |
| Return on assets (ROA) | 0.9579% | 2,509 |
| Pretax return on assets | 0.9579% | 3,340 |
| Return on Equity (ROE) | 8.3649% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.3649% | 1,289 |
| Net charge-offs to loans | 0.3077% | 4,120 |
| Credit loss provision to net charge-offs | 298.5537% | 1,071 |
| Earnings coverage of net charge-offs (x) | 6.7458% | 2,462 |
| Efficiency ratio | 57.0112% | 6,410 |
| Assets per employee ($millions) | 12.1044% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 2,742 |
| Loan loss allowance to noncurrent loans | 57.5520% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.7563% | 2,627 |
| Noncurrent loans to loans | 3.1500% | 2,529 |
| Net loans and leases to total assets | 80.5210% | 662 |
| Net loans and leases to deposits | 94.8682% | 1,109 |
| Net loans and leases to core deposits | 142.6666% | 233 |
| Total domestic deposits to total assets | 84.8767% | 3,679 |
| Equity capital to assets | 11.2626% | 2,731 |
| Core capital (leverage) ratio | 11.2316% | 2,114 |
| Tier 1 risk-based capital ratio | 12.6520% | 4,851 |
| Total risk-based capital ratio | 13.9072% | 4,834 |
| Memoranda: | ||
| Average total assets | $253,327,000 | 2,554 |
| Average earning assets | $244,953,500 | 2,420 |
| Average equity | $29,009,500 | 2,271 |
| Average total loans | $209,698,250 | 2,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 5,523 |
| Cost of funding earning assets | 1.3239% | 4,390 |
| Net interest margin | 3.5483% | 5,056 |
| Noninterest income to average assets | 0.2466% | 6,149 |
| Noninterest expense to average assets | 2.1365% | 6,803 |
| Loan and lease loss provision to assets | 0.6040% | 2,374 |
| Net operating income to assets | 0.9462% | 2,382 |
| Return on assets (ROA) | 0.9462% | 2,472 |
| Pretax return on assets | 0.9462% | 3,325 |
| Return on Equity (ROE) | 8.2142% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.2142% | 1,370 |
| Net charge-offs to loans | 0.3172% | 3,738 |
| Credit loss provision to net charge-offs | 229.2683% | 1,689 |
| Earnings coverage of net charge-offs (x) | 5.8841% | 2,577 |
| Efficiency ratio | 57.9521% | 6,384 |
| Assets per employee ($millions) | 11.0936% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,543 |
| Loan loss allowance to noncurrent loans | 57.0357% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 3,075 |
| Noncurrent loans to loans | 2.7680% | 2,888 |
| Net loans and leases to total assets | 83.5855% | 387 |
| Net loans and leases to deposits | 95.4062% | 1,102 |
| Net loans and leases to core deposits | 164.9918% | 150 |
| Total domestic deposits to total assets | 87.6101% | 2,201 |
| Equity capital to assets | 11.4896% | 2,453 |
| Core capital (leverage) ratio | 11.5717% | 1,867 |
| Tier 1 risk-based capital ratio | 12.7070% | 4,686 |
| Total risk-based capital ratio | 13.8840% | 4,711 |
| Memoranda: | ||
| Average total assets | $249,003,670 | 2,611 |
| Average earning assets | $241,413,330 | 2,464 |
| Average equity | $28,682,000 | 2,289 |
| Average total loans | $206,803,000 | 2,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 5,253 |
| Cost of funding earning assets | 1.3678% | 4,371 |
| Net interest margin | 3.5778% | 4,821 |
| Noninterest income to average assets | 0.1870% | 6,622 |
| Noninterest expense to average assets | 2.0982% | 6,945 |
| Loan and lease loss provision to assets | 0.6913% | 1,842 |
| Net operating income to assets | 0.8734% | 2,660 |
| Return on assets (ROA) | 0.8734% | 2,742 |
| Pretax return on assets | 0.8734% | 3,568 |
| Return on Equity (ROE) | 7.5727% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.5727% | 1,893 |
| Net charge-offs to loans | 0.6559% | 2,184 |
| Credit loss provision to net charge-offs | 128.3988% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.9063% | 3,098 |
| Efficiency ratio | 57.2824% | 6,592 |
| Assets per employee ($millions) | 11.1703% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 3,820 |
| Loan loss allowance to noncurrent loans | 75.9833% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 3,993 |
| Noncurrent loans to loans | 1.9986% | 3,790 |
| Net loans and leases to total assets | 81.5676% | 637 |
| Net loans and leases to deposits | 92.9434% | 1,481 |
| Net loans and leases to core deposits | 173.5152% | 149 |
| Total domestic deposits to total assets | 87.7606% | 2,203 |
| Equity capital to assets | 11.6583% | 2,262 |
| Core capital (leverage) ratio | 11.5479% | 1,885 |
| Tier 1 risk-based capital ratio | 13.4921% | 3,987 |
| Total risk-based capital ratio | 14.7446% | 3,949 |
| Memoranda: | ||
| Average total assets | $245,929,500 | 2,691 |
| Average earning assets | $238,918,000 | 2,544 |
| Average equity | $28,365,000 | 2,342 |
| Average total loans | $201,859,000 | 2,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5822% | 3,693 |
| Cost of funding earning assets | 1.7550% | 4,227 |
| Net interest margin | 3.8272% | 3,587 |
| Noninterest income to average assets | 0.1122% | 7,194 |
| Noninterest expense to average assets | 2.2955% | 6,761 |
| Loan and lease loss provision to assets | 1.6454% | 1,391 |
| Net operating income to assets | -0.1018% | 5,682 |
| Return on assets (ROA) | -0.1018% | 5,688 |
| Pretax return on assets | -0.1018% | 5,605 |
| Return on Equity (ROE) | -1.0205% | 5,695 |
| Retained earnings to average equity (ytd only) | -1.0205% | 5,263 |
| Net charge-offs to loans | 1.4727% | 1,702 |
| Credit loss provision to net charge-offs | 130.2878% | 3,915 |
| Earnings coverage of net charge-offs (x) | 1.2223% | 4,902 |
| Efficiency ratio | 59.7917% | 6,518 |
| Assets per employee ($millions) | 10.7005% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,744 |
| Loan loss allowance to noncurrent loans | 92.9014% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 4,466 |
| Noncurrent loans to loans | 1.6116% | 4,240 |
| Net loans and leases to total assets | 80.1180% | 973 |
| Net loans and leases to deposits | 91.6890% | 1,935 |
| Net loans and leases to core deposits | 143.1257% | 704 |
| Total domestic deposits to total assets | 87.3801% | 2,278 |
| Equity capital to assets | 11.4094% | 2,386 |
| Core capital (leverage) ratio | 11.3324% | 2,015 |
| Tier 1 risk-based capital ratio | 13.0126% | 4,136 |
| Total risk-based capital ratio | 14.2643% | 4,079 |
| Memoranda: | ||
| Average total assets | $220,128,600 | 2,938 |
| Average earning assets | $214,359,600 | 2,774 |
| Average equity | $21,949,600 | 2,948 |
| Average total loans | $188,767,600 | 2,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9870% | 6,640 |
| Cost of funding earning assets | 1.8188% | 4,295 |
| Net interest margin | 3.1682% | 6,121 |
| Noninterest income to average assets | 0.0986% | 7,411 |
| Noninterest expense to average assets | 2.3304% | 6,625 |
| Loan and lease loss provision to assets | 0.5860% | 3,042 |
| Net operating income to assets | 0.2696% | 4,905 |
| Return on assets (ROA) | 0.2696% | 5,006 |
| Pretax return on assets | 0.2696% | 5,137 |
| Return on Equity (ROE) | 2.8211% | 4,869 |
| Retained earnings to average equity (ytd only) | 2.8211% | 3,757 |
| Net charge-offs to loans | 0.1786% | 4,965 |
| Credit loss provision to net charge-offs | 377.1084% | 1,068 |
| Earnings coverage of net charge-offs (x) | 5.5060% | 2,802 |
| Efficiency ratio | 73.1440% | 4,029 |
| Assets per employee ($millions) | 11.0850% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 3,680 |
| Loan loss allowance to noncurrent loans | 56.4235% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 3,254 |
| Noncurrent loans to loans | 2.5749% | 2,930 |
| Net loans and leases to total assets | 79.1595% | 1,358 |
| Net loans and leases to deposits | 89.1450% | 2,754 |
| Net loans and leases to core deposits | 119.6812% | 2,273 |
| Total domestic deposits to total assets | 88.7986% | 1,292 |
| Equity capital to assets | 10.6249% | 3,375 |
| Core capital (leverage) ratio | 11.7986% | 1,906 |
| Tier 1 risk-based capital ratio | 12.5837% | 4,485 |
| Total risk-based capital ratio | 13.8323% | 4,440 |
| Memoranda: | ||
| Average total assets | $213,632,750 | 3,043 |
| Average earning assets | $208,189,250 | 2,874 |
| Average equity | $20,417,000 | 3,179 |
| Average total loans | $185,915,250 | 2,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 6,748 |
| Cost of funding earning assets | 1.9565% | 3,971 |
| Net interest margin | 3.0504% | 6,398 |
| Noninterest income to average assets | 0.1248% | 7,352 |
| Noninterest expense to average assets | 2.4210% | 6,399 |
| Loan and lease loss provision to assets | 0.3164% | 4,049 |
| Net operating income to assets | 0.3547% | 4,665 |
| Return on assets (ROA) | 0.3547% | 4,776 |
| Pretax return on assets | 0.3547% | 5,059 |
| Return on Equity (ROE) | 3.8847% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.8847% | 3,121 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2968% | 3,302 |
| Assets per employee ($millions) | 9.6377% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,349 |
| Loan loss allowance to noncurrent loans | 44.6789% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.5010% | 2,575 |
| Noncurrent loans to loans | 2.8796% | 2,505 |
| Net loans and leases to total assets | 85.7376% | 401 |
| Net loans and leases to deposits | 95.1145% | 1,933 |
| Net loans and leases to core deposits | 129.7487% | 1,590 |
| Total domestic deposits to total assets | 90.1415% | 771 |
| Equity capital to assets | 8.9346% | 5,408 |
| Core capital (leverage) ratio | 9.4166% | 4,008 |
| Tier 1 risk-based capital ratio | 9.6052% | 7,311 |
| Total risk-based capital ratio | 10.8065% | 7,302 |
| Memoranda: | ||
| Average total assets | $203,553,330 | 3,184 |
| Average earning assets | $198,005,670 | 3,027 |
| Average equity | $18,585,670 | 3,453 |
| Average total loans | $182,589,330 | 2,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 6,933 |
| Cost of funding earning assets | 2.1000% | 3,648 |
| Net interest margin | 2.8988% | 6,750 |
| Noninterest income to average assets | 0.0946% | 7,577 |
| Noninterest expense to average assets | 2.2890% | 6,574 |
| Loan and lease loss provision to assets | 0.3229% | 3,388 |
| Net operating income to assets | 0.3188% | 5,225 |
| Return on assets (ROA) | 0.3188% | 5,393 |
| Pretax return on assets | 0.3188% | 5,627 |
| Return on Equity (ROE) | 3.4490% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.4490% | 3,972 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1053% | 3,148 |
| Assets per employee ($millions) | 9.4422% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 4,314 |
| Loan loss allowance to noncurrent loans | 58.2661% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.9102% | 3,041 |
| Noncurrent loans to loans | 2.1703% | 3,023 |
| Net loans and leases to total assets | 86.9007% | 342 |
| Net loans and leases to deposits | 97.2294% | 1,772 |
| Net loans and leases to core deposits | 126.5605% | 1,886 |
| Total domestic deposits to total assets | 89.3770% | 1,065 |
| Equity capital to assets | 8.9386% | 5,423 |
| Core capital (leverage) ratio | 9.4779% | 4,011 |
| Tier 1 risk-based capital ratio | 9.4223% | 7,496 |
| Total risk-based capital ratio | 10.5955% | 7,514 |
| Memoranda: | ||
| Average total assets | $194,496,500 | 3,300 |
| Average earning assets | $190,285,500 | 3,150 |
| Average equity | $17,976,000 | 3,563 |
| Average total loans | $177,619,500 | 2,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7621% | 6,551 |
| Cost of funding earning assets | 2.4949% | 4,233 |
| Net interest margin | 3.2672% | 6,150 |
| Noninterest income to average assets | 0.1217% | 7,509 |
| Noninterest expense to average assets | 2.9279% | 4,344 |
| Loan and lease loss provision to assets | 1.0083% | 1,457 |
| Net operating income to assets | -0.6409% | 7,033 |
| Return on assets (ROA) | -0.6409% | 6,925 |
| Pretax return on assets | -0.6409% | 6,766 |
| Return on Equity (ROE) | -5.2984% | 6,889 |
| Retained earnings to average equity (ytd only) | -5.2984% | 6,556 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8523% | 1,599 |
| Assets per employee ($millions) | 8.6317% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,143 |
| Loan loss allowance to noncurrent loans | 54.1185% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 2,225 |
| Noncurrent loans to loans | 2.3096% | 2,396 |
| Net loans and leases to total assets | 93.9260% | 32 |
| Net loans and leases to deposits | 106.2712% | 1,100 |
| Net loans and leases to core deposits | 125.1783% | 2,236 |
| Total domestic deposits to total assets | 88.3833% | 1,297 |
| Equity capital to assets | 9.5904% | 4,559 |
| Core capital (leverage) ratio | 10.5330% | 2,951 |
| Tier 1 risk-based capital ratio | 9.8823% | 6,870 |
| Total risk-based capital ratio | 11.1073% | 6,774 |
| Memoranda: | ||
| Average total assets | $129,032,400 | 4,306 |
| Average earning assets | $125,335,400 | 4,146 |
| Average equity | $15,608,600 | 4,002 |
| Average total loans | $118,589,800 | 3,500 |