Home > Signature Bank of Arkansas > Performance and Condition Ratios
Signature Bank of Arkansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 1,639 |
| Cost of funding earning assets | 2.0564% | 841 |
| Net interest margin | 3.1532% | 2,974 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.9168% | 1,246 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.3617% | 3,939 |
| Return on assets (ROA) | 0.3617% | 3,932 |
| Pretax return on assets | 0.4616% | 3,876 |
| Return on Equity (ROE) | 3.8900% | 3,903 |
| Retained earnings to average equity (ytd only) | 1.1090% | 3,809 |
| Net charge-offs to loans | 0.0125% | 2,178 |
| Credit loss provision to net charge-offs | 1,148.6486% | 369 |
| Earnings coverage of net charge-offs (x) | 55.8649% | 1,229 |
| Efficiency ratio | 83.1034% | 714 |
| Assets per employee ($millions) | 5.6085% | 3,151 |
| Cash dividends to net income (ytd only)* | 71.4767% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,289 |
| Loan loss allowance to noncurrent loans | 991.6811% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,750 |
| Noncurrent loans to loans | 0.1211% | 2,914 |
| Net loans and leases to total assets | 83.1000% | 338 |
| Net loans and leases to deposits | 97.8138% | 663 |
| Net loans and leases to core deposits | 136.5358% | 307 |
| Total domestic deposits to total assets | 84.9600% | 2,326 |
| Equity capital to assets | 8.9736% | 2,691 |
| Core capital (leverage) ratio | 9.5549% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0812% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,067,129,600 | 928 |
| Average earning assets | $999,369,200 | 908 |
| Average equity | $99,278,600 | 951 |
| Average total loans | $884,600,800 | 802 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,709 |
| Cost of funding earning assets | 1.9026% | 862 |
| Net interest margin | 3.1589% | 3,009 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.9481% | 1,142 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.3482% | 4,055 |
| Return on assets (ROA) | 0.3482% | 4,058 |
| Pretax return on assets | 0.4411% | 4,002 |
| Return on Equity (ROE) | 3.7100% | 4,020 |
| Retained earnings to average equity (ytd only) | 0.4175% | 4,055 |
| Net charge-offs to loans | -0.0111% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.5702% | 581 |
| Assets per employee ($millions) | 5.3816% | 3,276 |
| Cash dividends to net income (ytd only)* | 88.7391% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,344 |
| Loan loss allowance to noncurrent loans | 8,743.2000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,739 |
| Noncurrent loans to loans | 0.0138% | 3,693 |
| Net loans and leases to total assets | 82.5900% | 388 |
| Net loans and leases to deposits | 96.8072% | 698 |
| Net loans and leases to core deposits | 139.4033% | 229 |
| Total domestic deposits to total assets | 85.3100% | 2,412 |
| Equity capital to assets | 8.9412% | 2,453 |
| Core capital (leverage) ratio | 9.8075% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2703% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,050,685,000 | 939 |
| Average earning assets | $984,027,250 | 923 |
| Average equity | $98,682,500 | 955 |
| Average total loans | $867,514,250 | 814 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,653 |
| Cost of funding earning assets | 1.7299% | 844 |
| Net interest margin | 3.2194% | 2,940 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.0202% | 1,013 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.3403% | 4,100 |
| Return on assets (ROA) | 0.3403% | 4,123 |
| Pretax return on assets | 0.4406% | 4,056 |
| Return on Equity (ROE) | 3.5600% | 4,086 |
| Retained earnings to average equity (ytd only) | -0.0565% | 4,109 |
| Net charge-offs to loans | -0.0183% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.4846% | 521 |
| Assets per employee ($millions) | 5.2437% | 3,365 |
| Cash dividends to net income (ytd only)* | 101.5846% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,384 |
| Loan loss allowance to noncurrent loans | 11,407.5269% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,761 |
| Noncurrent loans to loans | 0.0106% | 3,705 |
| Net loans and leases to total assets | 82.0800% | 418 |
| Net loans and leases to deposits | 96.9271% | 675 |
| Net loans and leases to core deposits | 132.3684% | 296 |
| Total domestic deposits to total assets | 84.6800% | 2,631 |
| Equity capital to assets | 9.3281% | 2,289 |
| Core capital (leverage) ratio | 9.8510% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6603% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,038,552,000 | 937 |
| Average earning assets | $973,607,000 | 920 |
| Average equity | $99,177,333 | 941 |
| Average total loans | $853,773,000 | 810 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 1,665 |
| Cost of funding earning assets | 1.5273% | 798 |
| Net interest margin | 3.2553% | 2,976 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.1310% | 892 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.2600% | 4,299 |
| Return on assets (ROA) | 0.2600% | 4,267 |
| Pretax return on assets | 0.3221% | 4,243 |
| Return on Equity (ROE) | 2.6900% | 4,221 |
| Retained earnings to average equity (ytd only) | 0.7871% | 3,897 |
| Net charge-offs to loans | -0.0308% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.1701% | 383 |
| Assets per employee ($millions) | 5.4509% | 3,267 |
| Cash dividends to net income (ytd only)* | 70.7463% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,445 |
| Loan loss allowance to noncurrent loans | 8,364.5161% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,746 |
| Noncurrent loans to loans | 0.0146% | 3,707 |
| Net loans and leases to total assets | 77.7700% | 788 |
| Net loans and leases to deposits | 93.8646% | 795 |
| Net loans and leases to core deposits | 124.2312% | 360 |
| Total domestic deposits to total assets | 82.8500% | 3,330 |
| Equity capital to assets | 9.2279% | 2,336 |
| Core capital (leverage) ratio | 10.3459% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1417% | 2,336 |
| Memoranda: | ||
| Average total assets | $1,030,838,000 | 961 |
| Average earning assets | $968,262,500 | 939 |
| Average equity | $99,608,000 | 949 |
| Average total loans | $842,805,000 | 831 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 802 |
| Cost of funding earning assets | 0.5001% | 1,389 |
| Net interest margin | 3.9493% | 859 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.2847% | 640 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7205% | 3,561 |
| Return on assets (ROA) | 0.7205% | 3,502 |
| Pretax return on assets | 0.9640% | 3,180 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.3817% | 2,880 |
| Net charge-offs to loans | -0.0281% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.8232% | 1,029 |
| Assets per employee ($millions) | 5.0379% | 3,650 |
| Cash dividends to net income (ytd only)* | 24.9734% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 2,892 |
| Loan loss allowance to noncurrent loans | 7,414.5161% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,752 |
| Noncurrent loans to loans | 0.0148% | 3,733 |
| Net loans and leases to total assets | 84.1600% | 243 |
| Net loans and leases to deposits | 101.5800% | 382 |
| Net loans and leases to core deposits | 123.4219% | 315 |
| Total domestic deposits to total assets | 82.8500% | 3,453 |
| Equity capital to assets | 10.1406% | 1,637 |
| Core capital (leverage) ratio | 10.8780% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0691% | 2,343 |
| Memoranda: | ||
| Average total assets | $912,019,600 | 1,067 |
| Average earning assets | $859,876,600 | 1,046 |
| Average equity | $91,606,200 | 1,016 |
| Average total loans | $746,248,400 | 863 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 773 |
| Cost of funding earning assets | 0.3614% | 1,607 |
| Net interest margin | 3.9122% | 779 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.3026% | 595 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7197% | 3,510 |
| Return on assets (ROA) | 0.7197% | 3,459 |
| Pretax return on assets | 0.9707% | 3,110 |
| Return on Equity (ROE) | 7.1800% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.2229% | 3,013 |
| Net charge-offs to loans | -0.0192% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1942% | 1,061 |
| Assets per employee ($millions) | 5.0802% | 3,609 |
| Cash dividends to net income (ytd only)* | 27.2991% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 2,992 |
| Loan loss allowance to noncurrent loans | 5,711.1111% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,798 |
| Noncurrent loans to loans | 0.0193% | 3,781 |
| Net loans and leases to total assets | 83.6700% | 272 |
| Net loans and leases to deposits | 98.4006% | 434 |
| Net loans and leases to core deposits | 116.4708% | 324 |
| Total domestic deposits to total assets | 85.0300% | 3,277 |
| Equity capital to assets | 10.4155% | 1,414 |
| Core capital (leverage) ratio | 11.6317% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4474% | 2,289 |
| Memoranda: | ||
| Average total assets | $894,425,500 | 1,085 |
| Average earning assets | $844,477,750 | 1,069 |
| Average equity | $89,602,500 | 1,050 |
| Average total loans | $723,827,500 | 876 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 693 |
| Cost of funding earning assets | 0.3435% | 1,331 |
| Net interest margin | 3.8137% | 730 |
| Noninterest income to average assets | 0.6645% | 1,483 |
| Noninterest expense to average assets | 3.3068% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7208% | 3,236 |
| Return on assets (ROA) | 0.7208% | 3,186 |
| Pretax return on assets | 0.9596% | 2,872 |
| Return on Equity (ROE) | 7.2975% | 3,219 |
| Retained earnings to average equity (ytd only) | 4.2681% | 2,986 |
| Net charge-offs to loans | -0.0171% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5076% | 1,127 |
| Assets per employee ($millions) | 4.8957% | 3,775 |
| Cash dividends to net income (ytd only)* | 41.5118% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,913 |
| Loan loss allowance to noncurrent loans | 4,502.7174% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,799 |
| Noncurrent loans to loans | 0.0256% | 3,765 |
| Net loans and leases to total assets | 79.2679% | 455 |
| Net loans and leases to deposits | 91.0021% | 667 |
| Net loans and leases to core deposits | 107.5838% | 405 |
| Total domestic deposits to total assets | 87.1056% | 2,902 |
| Equity capital to assets | 9.4942% | 2,021 |
| Core capital (leverage) ratio | 10.2933% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7048% | 2,607 |
| Memoranda: | ||
| Average total assets | $880,979,667 | 1,094 |
| Average earning assets | $832,044,333 | 1,081 |
| Average equity | $87,016,667 | 1,084 |
| Average total loans | $701,479,000 | 881 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9713% | 816 |
| Cost of funding earning assets | 0.3525% | 1,178 |
| Net interest margin | 3.6188% | 869 |
| Noninterest income to average assets | 0.6136% | 1,633 |
| Noninterest expense to average assets | 3.2810% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5642% | 3,508 |
| Return on assets (ROA) | 0.5642% | 3,484 |
| Pretax return on assets | 0.7501% | 3,250 |
| Return on Equity (ROE) | 5.6003% | 3,449 |
| Retained earnings to average equity (ytd only) | 5.6003% | 2,379 |
| Net charge-offs to loans | -0.0058% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3927% | 1,036 |
| Assets per employee ($millions) | 5.1162% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,890 |
| Loan loss allowance to noncurrent loans | 7,223.6842% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,329 |
| Noncurrent loans to loans | 0.0165% | 3,888 |
| Net loans and leases to total assets | 76.1056% | 502 |
| Net loans and leases to deposits | 87.5850% | 643 |
| Net loans and leases to core deposits | 105.1489% | 367 |
| Total domestic deposits to total assets | 86.8934% | 2,965 |
| Equity capital to assets | 9.7169% | 2,112 |
| Core capital (leverage) ratio | 10.4907% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0403% | 2,594 |
| Memoranda: | ||
| Average total assets | $873,517,000 | 1,107 |
| Average earning assets | $824,916,000 | 1,090 |
| Average equity | $87,995,500 | 1,103 |
| Average total loans | $692,993,500 | 887 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 912 |
| Cost of funding earning assets | 0.4970% | 948 |
| Net interest margin | 3.7581% | 1,088 |
| Noninterest income to average assets | 0.8818% | 1,252 |
| Noninterest expense to average assets | 3.1553% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9434% | 2,893 |
| Return on assets (ROA) | 0.9434% | 2,964 |
| Pretax return on assets | 1.2704% | 2,459 |
| Return on Equity (ROE) | 8.9592% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.6416% | 1,683 |
| Net charge-offs to loans | 0.0696% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 22.5033% | 1,797 |
| Efficiency ratio | 71.2958% | 1,583 |
| Assets per employee ($millions) | 5.5306% | 3,235 |
| Cash dividends to net income (ytd only)* | 14.7066% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 2,971 |
| Loan loss allowance to noncurrent loans | 3,721.7195% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 3,162 |
| Noncurrent loans to loans | 0.0317% | 3,845 |
| Net loans and leases to total assets | 80.7946% | 232 |
| Net loans and leases to deposits | 94.5824% | 366 |
| Net loans and leases to core deposits | 107.2346% | 343 |
| Total domestic deposits to total assets | 85.4225% | 3,121 |
| Equity capital to assets | 10.4488% | 2,221 |
| Core capital (leverage) ratio | 10.4698% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5745% | 2,759 |
| Memoranda: | ||
| Average total assets | $816,618,000 | 1,139 |
| Average earning assets | $770,072,600 | 1,131 |
| Average equity | $85,989,400 | 1,139 |
| Average total loans | $662,105,400 | 921 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 1,006 |
| Cost of funding earning assets | 0.5267% | 925 |
| Net interest margin | 3.7427% | 1,242 |
| Noninterest income to average assets | 0.9242% | 1,206 |
| Noninterest expense to average assets | 3.1132% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9984% | 2,916 |
| Return on assets (ROA) | 0.9984% | 2,979 |
| Pretax return on assets | 1.3402% | 2,514 |
| Return on Equity (ROE) | 9.4618% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.1964% | 1,998 |
| Net charge-offs to loans | 0.0139% | 1,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 119.4118% | 779 |
| Efficiency ratio | 69.9070% | 1,610 |
| Assets per employee ($millions) | 5.7336% | 2,952 |
| Cash dividends to net income (ytd only)* | 13.3741% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,626 |
| Loan loss allowance to noncurrent loans | 5,783.8926% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,090 |
| Noncurrent loans to loans | 0.0220% | 4,038 |
| Net loans and leases to total assets | 77.2776% | 448 |
| Net loans and leases to deposits | 90.2730% | 593 |
| Net loans and leases to core deposits | 103.2837% | 482 |
| Total domestic deposits to total assets | 85.6044% | 2,911 |
| Equity capital to assets | 10.1433% | 2,767 |
| Core capital (leverage) ratio | 10.8915% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8291% | 2,762 |
| Memoranda: | ||
| Average total assets | $807,845,750 | 1,155 |
| Average earning assets | $761,752,000 | 1,144 |
| Average equity | $85,238,500 | 1,165 |
| Average total loans | $653,542,250 | 945 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 875 |
| Cost of funding earning assets | 0.5673% | 877 |
| Net interest margin | 3.8110% | 1,122 |
| Noninterest income to average assets | 0.9468% | 1,164 |
| Noninterest expense to average assets | 3.1884% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0019% | 2,875 |
| Return on assets (ROA) | 1.0019% | 2,959 |
| Pretax return on assets | 1.3486% | 2,485 |
| Return on Equity (ROE) | 9.3626% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.5922% | 1,855 |
| Net charge-offs to loans | -0.0040% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2762% | 1,600 |
| Assets per employee ($millions) | 5.4387% | 3,195 |
| Cash dividends to net income (ytd only)* | 8.2278% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.0107% | 321 |
| Net loans and leases to deposits | 94.3399% | 442 |
| Net loans and leases to core deposits | 111.1210% | 333 |
| Total domestic deposits to total assets | 84.8111% | 3,176 |
| Equity capital to assets | 10.6287% | 2,285 |
| Core capital (leverage) ratio | 10.6505% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3179% | 2,603 |
| Memoranda: | ||
| Average total assets | $788,536,667 | 1,174 |
| Average earning assets | $742,840,000 | 1,161 |
| Average equity | $84,378,667 | 1,170 |
| Average total loans | $645,500,667 | 958 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 775 |
| Cost of funding earning assets | 0.6061% | 857 |
| Net interest margin | 3.8925% | 999 |
| Noninterest income to average assets | 0.9773% | 1,169 |
| Noninterest expense to average assets | 3.4644% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8812% | 3,178 |
| Return on assets (ROA) | 0.8812% | 3,257 |
| Pretax return on assets | 1.1764% | 2,911 |
| Return on Equity (ROE) | 8.2058% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.2058% | 2,174 |
| Net charge-offs to loans | -0.0063% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6509% | 1,254 |
| Assets per employee ($millions) | 5.4806% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 79.7834% | 347 |
| Net loans and leases to deposits | 93.9695% | 495 |
| Net loans and leases to core deposits | 109.9672% | 406 |
| Total domestic deposits to total assets | 84.9035% | 3,141 |
| Equity capital to assets | 10.4372% | 2,324 |
| Core capital (leverage) ratio | 10.8999% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2911% | 2,566 |
| Memoranda: | ||
| Average total assets | $777,620,000 | 1,172 |
| Average earning assets | $731,862,000 | 1,164 |
| Average equity | $83,502,000 | 1,166 |
| Average total loans | $639,710,000 | 962 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 948 |
| Cost of funding earning assets | 1.0159% | 561 |
| Net interest margin | 3.6540% | 1,967 |
| Noninterest income to average assets | 0.7688% | 1,635 |
| Noninterest expense to average assets | 3.0056% | 1,424 |
| Loan and lease loss provision to assets | 0.3884% | 825 |
| Net operating income to assets | 0.6074% | 3,730 |
| Return on assets (ROA) | 0.6074% | 3,852 |
| Pretax return on assets | 0.8188% | 3,585 |
| Return on Equity (ROE) | 5.5627% | 3,725 |
| Retained earnings to average equity (ytd only) | 5.1172% | 2,227 |
| Net charge-offs to loans | 0.1452% | 1,118 |
| Credit loss provision to net charge-offs | 331.3953% | 1,633 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 2,468 |
| Efficiency ratio | 71.3445% | 1,767 |
| Assets per employee ($millions) | 5.2419% | 3,103 |
| Cash dividends to net income (ytd only)* | 8.0099% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 82.6136% | 254 |
| Net loans and leases to deposits | 98.4130% | 444 |
| Net loans and leases to core deposits | 117.9769% | 340 |
| Total domestic deposits to total assets | 83.9458% | 3,131 |
| Equity capital to assets | 11.0616% | 2,203 |
| Core capital (leverage) ratio | 11.1499% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0509% | 2,608 |
| Memoranda: | ||
| Average total assets | $733,756,800 | 1,129 |
| Average earning assets | $691,600,400 | 1,113 |
| Average equity | $80,122,600 | 1,159 |
| Average total loans | $592,422,400 | 993 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 968 |
| Cost of funding earning assets | 1.0839% | 568 |
| Net interest margin | 3.6625% | 2,055 |
| Noninterest income to average assets | 0.7242% | 1,721 |
| Noninterest expense to average assets | 3.0059% | 1,434 |
| Loan and lease loss provision to assets | 0.4370% | 754 |
| Net operating income to assets | 0.5537% | 3,901 |
| Return on assets (ROA) | 0.5537% | 3,990 |
| Pretax return on assets | 0.7352% | 3,811 |
| Return on Equity (ROE) | 5.0882% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.4889% | 2,807 |
| Net charge-offs to loans | 0.1524% | 959 |
| Credit loss provision to net charge-offs | 358.6207% | 1,579 |
| Earnings coverage of net charge-offs (x) | 9.6192% | 2,416 |
| Efficiency ratio | 71.9446% | 1,649 |
| Assets per employee ($millions) | 5.3352% | 2,855 |
| Cash dividends to net income (ytd only)* | 11.7783% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 1,793 |
| Loan loss allowance to noncurrent loans | 4,211.0000% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,330 |
| Noncurrent loans to loans | 0.0329% | 4,258 |
| Net loans and leases to total assets | 79.6424% | 642 |
| Net loans and leases to deposits | 94.4402% | 892 |
| Net loans and leases to core deposits | 115.1494% | 520 |
| Total domestic deposits to total assets | 84.3311% | 2,697 |
| Equity capital to assets | 10.8194% | 2,538 |
| Core capital (leverage) ratio | 10.7750% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3600% | 2,473 |
| Memoranda: | ||
| Average total assets | $729,798,500 | 1,117 |
| Average earning assets | $688,226,750 | 1,104 |
| Average equity | $79,424,000 | 1,157 |
| Average total loans | $583,540,750 | 997 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 996 |
| Cost of funding earning assets | 1.1454% | 618 |
| Net interest margin | 3.7425% | 2,018 |
| Noninterest income to average assets | 0.7119% | 1,698 |
| Noninterest expense to average assets | 3.0294% | 1,508 |
| Loan and lease loss provision to assets | 0.5793% | 559 |
| Net operating income to assets | 0.4765% | 4,071 |
| Return on assets (ROA) | 0.4765% | 4,137 |
| Pretax return on assets | 0.6299% | 4,005 |
| Return on Equity (ROE) | 4.3698% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.4633% | 3,195 |
| Net charge-offs to loans | 0.1727% | 864 |
| Credit loss provision to net charge-offs | 420.9256% | 1,363 |
| Earnings coverage of net charge-offs (x) | 8.7867% | 2,266 |
| Efficiency ratio | 71.4724% | 1,765 |
| Assets per employee ($millions) | 5.3469% | 2,781 |
| Cash dividends to net income (ytd only)* | 20.7438% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,483 |
| Loan loss allowance to noncurrent loans | 841.8274% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,868 |
| Noncurrent loans to loans | 0.1698% | 3,770 |
| Net loans and leases to total assets | 75.8646% | 1,156 |
| Net loans and leases to deposits | 89.7560% | 1,376 |
| Net loans and leases to core deposits | 110.9845% | 699 |
| Total domestic deposits to total assets | 84.5232% | 2,550 |
| Equity capital to assets | 10.6125% | 2,650 |
| Core capital (leverage) ratio | 10.7442% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8061% | 2,266 |
| Memoranda: | ||
| Average total assets | $722,311,000 | 1,115 |
| Average earning assets | $680,661,667 | 1,099 |
| Average equity | $78,768,667 | 1,155 |
| Average total loans | $575,540,667 | 992 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,147 |
| Cost of funding earning assets | 1.2085% | 754 |
| Net interest margin | 3.7116% | 2,285 |
| Noninterest income to average assets | 0.6947% | 1,674 |
| Noninterest expense to average assets | 3.1269% | 1,575 |
| Loan and lease loss provision to assets | 0.3833% | 799 |
| Net operating income to assets | 0.5090% | 3,868 |
| Return on assets (ROA) | 0.5090% | 3,928 |
| Pretax return on assets | 0.6777% | 3,748 |
| Return on Equity (ROE) | 4.6015% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.6015% | 2,455 |
| Net charge-offs to loans | -0.0105% | 4,095 |
| Credit loss provision to net charge-offs | -4,513.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6654% | 1,729 |
| Assets per employee ($millions) | 5.0460% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,153 |
| Loan loss allowance to noncurrent loans | 489.3377% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,626 |
| Noncurrent loans to loans | 0.2657% | 3,543 |
| Net loans and leases to total assets | 78.8251% | 857 |
| Net loans and leases to deposits | 94.4393% | 1,040 |
| Net loans and leases to core deposits | 118.8837% | 503 |
| Total domestic deposits to total assets | 83.4664% | 2,957 |
| Equity capital to assets | 11.0508% | 2,816 |
| Core capital (leverage) ratio | 11.2684% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2333% | 2,186 |
| Memoranda: | ||
| Average total assets | $706,511,500 | 1,108 |
| Average earning assets | $664,946,000 | 1,084 |
| Average equity | $78,148,500 | 1,163 |
| Average total loans | $573,189,500 | 976 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 970 |
| Cost of funding earning assets | 1.1907% | 1,043 |
| Net interest margin | 4.0188% | 1,792 |
| Noninterest income to average assets | 0.6369% | 2,059 |
| Noninterest expense to average assets | 3.1544% | 1,632 |
| Loan and lease loss provision to assets | 0.0763% | 2,468 |
| Net operating income to assets | 0.8760% | 3,295 |
| Return on assets (ROA) | 0.8760% | 3,384 |
| Pretax return on assets | 1.1772% | 2,923 |
| Return on Equity (ROE) | 7.6814% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.0766% | 1,827 |
| Net charge-offs to loans | 0.1409% | 1,385 |
| Credit loss provision to net charge-offs | 65.0195% | 2,977 |
| Earnings coverage of net charge-offs (x) | 10.6879% | 2,552 |
| Efficiency ratio | 71.5635% | 1,936 |
| Assets per employee ($millions) | 5.0110% | 2,582 |
| Cash dividends to net income (ytd only)* | 20.8914% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,653 |
| Loan loss allowance to noncurrent loans | 310.8635% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 2,906 |
| Noncurrent loans to loans | 0.3726% | 3,108 |
| Net loans and leases to total assets | 81.4589% | 623 |
| Net loans and leases to deposits | 99.0287% | 666 |
| Net loans and leases to core deposits | 126.2131% | 339 |
| Total domestic deposits to total assets | 82.2578% | 3,434 |
| Equity capital to assets | 11.0717% | 2,927 |
| Core capital (leverage) ratio | 11.6421% | 2,007 |
| Tier 1 risk-based capital ratio | 12.5545% | 4,034 |
| Total risk-based capital ratio | 13.6412% | 4,002 |
| Memoranda: | ||
| Average total assets | $655,722,000 | 1,139 |
| Average earning assets | $615,281,400 | 1,121 |
| Average equity | $74,778,200 | 1,155 |
| Average total loans | $545,892,400 | 988 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2404% | 964 |
| Cost of funding earning assets | 1.1785% | 1,085 |
| Net interest margin | 4.0619% | 1,725 |
| Noninterest income to average assets | 0.5672% | 2,369 |
| Noninterest expense to average assets | 3.1413% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9201% | 3,272 |
| Return on assets (ROA) | 0.9201% | 3,349 |
| Pretax return on assets | 1.2363% | 2,871 |
| Return on Equity (ROE) | 8.0047% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.3843% | 2,180 |
| Net charge-offs to loans | -0.0141% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7581% | 1,878 |
| Assets per employee ($millions) | 4.7134% | 2,902 |
| Cash dividends to net income (ytd only)* | 20.2429% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,211 |
| Loan loss allowance to noncurrent loans | 5,444.1860% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,506 |
| Noncurrent loans to loans | 0.0230% | 4,574 |
| Net loans and leases to total assets | 83.7662% | 376 |
| Net loans and leases to deposits | 101.8785% | 512 |
| Net loans and leases to core deposits | 128.8530% | 310 |
| Total domestic deposits to total assets | 82.2216% | 3,407 |
| Equity capital to assets | 11.6015% | 2,597 |
| Core capital (leverage) ratio | 11.6121% | 2,137 |
| Tier 1 risk-based capital ratio | 13.1564% | 3,757 |
| Total risk-based capital ratio | 14.3678% | 3,691 |
| Memoranda: | ||
| Average total assets | $644,268,000 | 1,157 |
| Average earning assets | $604,372,000 | 1,133 |
| Average equity | $74,054,750 | 1,166 |
| Average total loans | $537,825,250 | 1,004 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 1,005 |
| Cost of funding earning assets | 1.1320% | 1,190 |
| Net interest margin | 4.0538% | 1,748 |
| Noninterest income to average assets | 0.6121% | 2,093 |
| Noninterest expense to average assets | 3.1668% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9310% | 3,162 |
| Return on assets (ROA) | 0.9310% | 3,225 |
| Pretax return on assets | 1.2515% | 2,744 |
| Return on Equity (ROE) | 8.1260% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.4872% | 2,060 |
| Net charge-offs to loans | -0.0166% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6745% | 1,968 |
| Assets per employee ($millions) | 4.7500% | 2,805 |
| Cash dividends to net income (ytd only)* | 20.1681% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 1,439 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.9503% | 618 |
| Net loans and leases to deposits | 99.1030% | 745 |
| Net loans and leases to core deposits | 125.4079% | 405 |
| Total domestic deposits to total assets | 82.6920% | 3,309 |
| Equity capital to assets | 11.4651% | 2,627 |
| Core capital (leverage) ratio | 11.6762% | 2,038 |
| Tier 1 risk-based capital ratio | 13.3410% | 3,664 |
| Total risk-based capital ratio | 14.5886% | 3,564 |
| Memoranda: | ||
| Average total assets | $639,067,670 | 1,160 |
| Average earning assets | $600,024,330 | 1,138 |
| Average equity | $73,221,330 | 1,167 |
| Average total loans | $530,510,330 | 1,012 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 1,053 |
| Cost of funding earning assets | 1.0833% | 1,242 |
| Net interest margin | 4.0395% | 1,713 |
| Noninterest income to average assets | 0.6265% | 1,933 |
| Noninterest expense to average assets | 3.1532% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8325% | 3,507 |
| Return on assets (ROA) | 0.8325% | 3,548 |
| Pretax return on assets | 1.2726% | 2,561 |
| Return on Equity (ROE) | 7.2687% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.6079% | 2,634 |
| Net charge-offs to loans | -0.0046% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2464% | 2,153 |
| Assets per employee ($millions) | 4.6643% | 2,963 |
| Cash dividends to net income (ytd only)* | 22.8484% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 1,136 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.5533% | 637 |
| Net loans and leases to deposits | 98.2861% | 765 |
| Net loans and leases to core deposits | 122.3999% | 469 |
| Total domestic deposits to total assets | 82.9754% | 3,395 |
| Equity capital to assets | 11.2652% | 2,590 |
| Core capital (leverage) ratio | 11.7188% | 1,966 |
| Tier 1 risk-based capital ratio | 13.2986% | 3,717 |
| Total risk-based capital ratio | 14.5487% | 3,625 |
| Memoranda: | ||
| Average total assets | $630,850,500 | 1,176 |
| Average earning assets | $593,346,000 | 1,163 |
| Average equity | $72,255,000 | 1,179 |
| Average total loans | $523,667,500 | 1,030 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 1,316 |
| Cost of funding earning assets | 0.9936% | 773 |
| Net interest margin | 3.8965% | 2,339 |
| Noninterest income to average assets | 0.4725% | 2,984 |
| Noninterest expense to average assets | 3.1620% | 1,643 |
| Loan and lease loss provision to assets | -0.1212% | 5,285 |
| Net operating income to assets | 0.8370% | 3,662 |
| Return on assets (ROA) | 0.8370% | 3,660 |
| Pretax return on assets | 1.1042% | 3,250 |
| Return on Equity (ROE) | 7.4611% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.7330% | 2,336 |
| Net charge-offs to loans | -0.0971% | 5,142 |
| Credit loss provision to net charge-offs | 151.8219% | 1,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2842% | 1,320 |
| Assets per employee ($millions) | 4.3501% | 3,383 |
| Cash dividends to net income (ytd only)* | 23.1616% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2608% | 1,020 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.2769% | 615 |
| Net loans and leases to deposits | 98.3603% | 865 |
| Net loans and leases to core deposits | 120.8410% | 520 |
| Total domestic deposits to total assets | 83.6485% | 3,103 |
| Equity capital to assets | 11.6527% | 2,137 |
| Core capital (leverage) ratio | 11.8565% | 1,829 |
| Tier 1 risk-based capital ratio | 13.9242% | 3,321 |
| Total risk-based capital ratio | 15.1754% | 3,246 |
| Memoranda: | ||
| Average total assets | $619,004,400 | 1,168 |
| Average earning assets | $583,420,600 | 1,148 |
| Average equity | $69,440,600 | 1,166 |
| Average total loans | $508,931,200 | 1,033 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 1,327 |
| Cost of funding earning assets | 0.9859% | 631 |
| Net interest margin | 3.8512% | 2,468 |
| Noninterest income to average assets | 0.7223% | 1,786 |
| Noninterest expense to average assets | 3.1888% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8856% | 3,600 |
| Return on assets (ROA) | 0.8856% | 3,602 |
| Pretax return on assets | 1.1626% | 3,148 |
| Return on Equity (ROE) | 7.9709% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.2301% | 2,536 |
| Net charge-offs to loans | -0.0223% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2813% | 1,686 |
| Assets per employee ($millions) | 4.5144% | 3,101 |
| Cash dividends to net income (ytd only)* | 21.8394% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 1,601 |
| Loan loss allowance to noncurrent loans | 5,708.5938% | 153 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 789 |
| Noncurrent loans to loans | 0.0250% | 4,785 |
| Net loans and leases to total assets | 80.4121% | 955 |
| Net loans and leases to deposits | 96.8016% | 1,059 |
| Net loans and leases to core deposits | 119.8691% | 576 |
| Total domestic deposits to total assets | 83.0690% | 3,284 |
| Equity capital to assets | 11.1473% | 2,520 |
| Core capital (leverage) ratio | 11.3229% | 2,316 |
| Tier 1 risk-based capital ratio | 13.7983% | 3,464 |
| Total risk-based capital ratio | 15.0500% | 3,377 |
| Memoranda: | ||
| Average total assets | $620,415,000 | 1,170 |
| Average earning assets | $584,631,750 | 1,145 |
| Average equity | $68,932,500 | 1,171 |
| Average total loans | $508,258,750 | 1,030 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 1,303 |
| Cost of funding earning assets | 0.9565% | 565 |
| Net interest margin | 3.8255% | 2,480 |
| Noninterest income to average assets | 0.7271% | 1,755 |
| Noninterest expense to average assets | 3.2204% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8579% | 3,640 |
| Return on assets (ROA) | 0.8579% | 3,633 |
| Pretax return on assets | 1.1083% | 3,283 |
| Return on Equity (ROE) | 7.7296% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.7296% | 1,739 |
| Net charge-offs to loans | -0.0347% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3964% | 1,651 |
| Assets per employee ($millions) | 4.5774% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,679 |
| Loan loss allowance to noncurrent loans | 3,994.5355% | 188 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 825 |
| Noncurrent loans to loans | 0.0355% | 4,753 |
| Net loans and leases to total assets | 79.1933% | 1,132 |
| Net loans and leases to deposits | 95.7695% | 1,167 |
| Net loans and leases to core deposits | 118.8669% | 597 |
| Total domestic deposits to total assets | 82.6916% | 3,498 |
| Equity capital to assets | 10.8708% | 2,762 |
| Core capital (leverage) ratio | 11.2137% | 2,333 |
| Tier 1 risk-based capital ratio | 13.5070% | 3,612 |
| Total risk-based capital ratio | 14.7588% | 3,520 |
| Memoranda: | ||
| Average total assets | $618,051,670 | 1,178 |
| Average earning assets | $581,886,670 | 1,153 |
| Average equity | $68,593,330 | 1,176 |
| Average total loans | $507,046,000 | 1,033 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 1,189 |
| Cost of funding earning assets | 0.9205% | 539 |
| Net interest margin | 3.8306% | 2,299 |
| Noninterest income to average assets | 0.7484% | 1,629 |
| Noninterest expense to average assets | 3.3198% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8387% | 3,565 |
| Return on assets (ROA) | 0.8387% | 3,578 |
| Pretax return on assets | 1.0200% | 3,464 |
| Return on Equity (ROE) | 7.4760% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.4760% | 2,062 |
| Net charge-offs to loans | -0.0278% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4965% | 1,523 |
| Assets per employee ($millions) | 4.4692% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,761 |
| Loan loss allowance to noncurrent loans | 5,004.8276% | 162 |
| Noncurrent assets plus other real estate owned to assets | 1.7297% | 727 |
| Noncurrent loans to loans | 0.0284% | 4,852 |
| Net loans and leases to total assets | 81.0499% | 783 |
| Net loans and leases to deposits | 98.3729% | 833 |
| Net loans and leases to core deposits | 122.8499% | 504 |
| Total domestic deposits to total assets | 82.3905% | 3,844 |
| Equity capital to assets | 11.0021% | 2,576 |
| Core capital (leverage) ratio | 11.5605% | 1,969 |
| Tier 1 risk-based capital ratio | 13.2487% | 3,815 |
| Total risk-based capital ratio | 14.5004% | 3,717 |
| Memoranda: | ||
| Average total assets | $606,658,500 | 1,206 |
| Average earning assets | $568,791,000 | 1,190 |
| Average equity | $68,058,000 | 1,196 |
| Average total loans | $503,163,500 | 1,045 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 679 |
| Cost of funding earning assets | 0.8195% | 560 |
| Net interest margin | 4.1558% | 1,287 |
| Noninterest income to average assets | 0.5607% | 2,651 |
| Noninterest expense to average assets | 3.3161% | 1,345 |
| Loan and lease loss provision to assets | -0.2432% | 5,599 |
| Net operating income to assets | 0.6730% | 3,719 |
| Return on assets (ROA) | 0.6730% | 3,769 |
| Pretax return on assets | 1.3564% | 2,140 |
| Return on Equity (ROE) | 5.6950% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.9327% | 2,166 |
| Net charge-offs to loans | -0.4845% | 5,604 |
| Credit loss provision to net charge-offs | 60.1069% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7498% | 1,793 |
| Assets per employee ($millions) | 4.2906% | 3,502 |
| Cash dividends to net income (ytd only)* | 13.3869% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,560 |
| Loan loss allowance to noncurrent loans | 1,256.0000% | 521 |
| Noncurrent assets plus other real estate owned to assets | 1.9429% | 593 |
| Noncurrent loans to loans | 0.1160% | 4,462 |
| Net loans and leases to total assets | 82.4780% | 613 |
| Net loans and leases to deposits | 101.1441% | 644 |
| Net loans and leases to core deposits | 122.9645% | 495 |
| Total domestic deposits to total assets | 81.5451% | 3,985 |
| Equity capital to assets | 11.4456% | 2,236 |
| Core capital (leverage) ratio | 11.7885% | 1,735 |
| Tier 1 risk-based capital ratio | 13.0021% | 3,902 |
| Total risk-based capital ratio | 14.2536% | 3,799 |
| Memoranda: | ||
| Average total assets | $554,997,400 | 1,272 |
| Average earning assets | $516,630,800 | 1,267 |
| Average equity | $65,583,400 | 1,217 |
| Average total loans | $463,582,400 | 1,098 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 646 |
| Cost of funding earning assets | 0.7951% | 595 |
| Net interest margin | 4.1794% | 1,206 |
| Noninterest income to average assets | 0.5392% | 2,786 |
| Noninterest expense to average assets | 3.3154% | 1,312 |
| Loan and lease loss provision to assets | -0.3298% | 5,699 |
| Net operating income to assets | 0.8927% | 3,064 |
| Return on assets (ROA) | 0.8927% | 3,120 |
| Pretax return on assets | 1.4464% | 1,959 |
| Return on Equity (ROE) | 7.4909% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.4659% | 1,977 |
| Net charge-offs to loans | -0.7100% | 5,678 |
| Credit loss provision to net charge-offs | 55.6472% | 2,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6858% | 1,792 |
| Assets per employee ($millions) | 4.0500% | 3,898 |
| Cash dividends to net income (ytd only)* | 13.6836% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 1,386 |
| Loan loss allowance to noncurrent loans | 760.7400% | 744 |
| Noncurrent assets plus other real estate owned to assets | 2.2966% | 509 |
| Noncurrent loans to loans | 0.2028% | 4,272 |
| Net loans and leases to total assets | 83.9091% | 442 |
| Net loans and leases to deposits | 103.8080% | 508 |
| Net loans and leases to core deposits | 123.4475% | 475 |
| Total domestic deposits to total assets | 80.8310% | 4,093 |
| Equity capital to assets | 11.8909% | 2,042 |
| Core capital (leverage) ratio | 12.1252% | 1,614 |
| Tier 1 risk-based capital ratio | 13.0967% | 3,948 |
| Total risk-based capital ratio | 14.3491% | 3,853 |
| Memoranda: | ||
| Average total assets | $545,722,500 | 1,301 |
| Average earning assets | $508,285,250 | 1,293 |
| Average equity | $65,037,000 | 1,231 |
| Average total loans | $455,585,000 | 1,118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 818 |
| Cost of funding earning assets | 0.7801% | 580 |
| Net interest margin | 4.0460% | 1,471 |
| Noninterest income to average assets | 0.4959% | 3,052 |
| Noninterest expense to average assets | 3.3420% | 1,288 |
| Loan and lease loss provision to assets | -0.5000% | 5,759 |
| Net operating income to assets | 0.8726% | 3,059 |
| Return on assets (ROA) | 0.8726% | 3,109 |
| Pretax return on assets | 1.4152% | 1,950 |
| Return on Equity (ROE) | 7.3165% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.7637% | 2,254 |
| Net charge-offs to loans | -1.0239% | 5,734 |
| Credit loss provision to net charge-offs | 58.9262% | 2,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3713% | 1,411 |
| Assets per employee ($millions) | 3.9758% | 3,994 |
| Cash dividends to net income (ytd only)* | 21.2224% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,298 |
| Loan loss allowance to noncurrent loans | 721.6485% | 762 |
| Noncurrent assets plus other real estate owned to assets | 2.4631% | 452 |
| Noncurrent loans to loans | 0.2197% | 4,241 |
| Net loans and leases to total assets | 82.2202% | 637 |
| Net loans and leases to deposits | 102.4200% | 585 |
| Net loans and leases to core deposits | 106.7269% | 1,180 |
| Total domestic deposits to total assets | 80.2774% | 4,352 |
| Equity capital to assets | 11.9739% | 1,948 |
| Core capital (leverage) ratio | 12.1366% | 1,567 |
| Tier 1 risk-based capital ratio | 13.1632% | 3,910 |
| Total risk-based capital ratio | 14.4161% | 3,808 |
| Memoranda: | ||
| Average total assets | $539,979,670 | 1,321 |
| Average earning assets | $501,975,670 | 1,314 |
| Average equity | $64,402,670 | 1,239 |
| Average total loans | $447,523,670 | 1,140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 890 |
| Cost of funding earning assets | 0.7507% | 645 |
| Net interest margin | 3.9766% | 1,536 |
| Noninterest income to average assets | 0.6250% | 2,294 |
| Noninterest expense to average assets | 3.3157% | 1,353 |
| Loan and lease loss provision to assets | 0.1120% | 1,714 |
| Net operating income to assets | 0.5451% | 4,403 |
| Return on assets (ROA) | 0.5451% | 4,443 |
| Pretax return on assets | 0.8842% | 3,824 |
| Return on Equity (ROE) | 4.5800% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.4430% | 4,528 |
| Net charge-offs to loans | -0.0054% | 4,211 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7752% | 1,790 |
| Assets per employee ($millions) | 4.0079% | 3,995 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,944 |
| Loan loss allowance to noncurrent loans | 532.6212% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 2.6031% | 433 |
| Noncurrent loans to loans | 0.2686% | 4,149 |
| Net loans and leases to total assets | 81.9297% | 576 |
| Net loans and leases to deposits | 104.9630% | 362 |
| Net loans and leases to core deposits | 109.5912% | 893 |
| Total domestic deposits to total assets | 78.0558% | 4,958 |
| Equity capital to assets | 11.7196% | 2,020 |
| Core capital (leverage) ratio | 12.2350% | 1,479 |
| Tier 1 risk-based capital ratio | 13.1600% | 3,987 |
| Total risk-based capital ratio | 14.4111% | 3,895 |
| Memoranda: | ||
| Average total assets | $535,639,000 | 1,331 |
| Average earning assets | $496,609,000 | 1,324 |
| Average equity | $63,756,000 | 1,247 |
| Average total loans | $442,097,000 | 1,156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 516 |
| Cost of funding earning assets | 0.7431% | 654 |
| Net interest margin | 4.3405% | 867 |
| Noninterest income to average assets | 0.7874% | 1,796 |
| Noninterest expense to average assets | 3.3141% | 1,544 |
| Loan and lease loss provision to assets | 0.2460% | 854 |
| Net operating income to assets | 0.7569% | 3,505 |
| Return on assets (ROA) | 0.7569% | 3,621 |
| Pretax return on assets | 1.2345% | 2,533 |
| Return on Equity (ROE) | 6.1902% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.1902% | 1,613 |
| Net charge-offs to loans | 0.7920% | 257 |
| Credit loss provision to net charge-offs | 37.8100% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.2756% | 3,853 |
| Efficiency ratio | 69.0022% | 3,074 |
| Assets per employee ($millions) | 3.8691% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,804 |
| Loan loss allowance to noncurrent loans | 644.2974% | 861 |
| Noncurrent assets plus other real estate owned to assets | 2.8039% | 389 |
| Noncurrent loans to loans | 0.2278% | 4,336 |
| Net loans and leases to total assets | 80.7305% | 779 |
| Net loans and leases to deposits | 100.7124% | 627 |
| Net loans and leases to core deposits | 116.3101% | 603 |
| Total domestic deposits to total assets | 80.1594% | 4,539 |
| Equity capital to assets | 12.0926% | 1,744 |
| Core capital (leverage) ratio | 12.5138% | 1,325 |
| Tier 1 risk-based capital ratio | 13.6574% | 3,670 |
| Total risk-based capital ratio | 14.9091% | 3,577 |
| Memoranda: | ||
| Average total assets | $508,128,600 | 1,350 |
| Average earning assets | $469,120,600 | 1,351 |
| Average equity | $62,130,800 | 1,263 |
| Average total loans | $417,433,600 | 1,167 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 744 |
| Cost of funding earning assets | 0.7433% | 657 |
| Net interest margin | 4.1460% | 1,264 |
| Noninterest income to average assets | 0.8054% | 1,745 |
| Noninterest expense to average assets | 3.3154% | 1,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8080% | 3,329 |
| Return on assets (ROA) | 0.8080% | 3,468 |
| Pretax return on assets | 1.3174% | 2,359 |
| Return on Equity (ROE) | 6.5892% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.5892% | 1,853 |
| Net charge-offs to loans | 0.4766% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.3622% | 3,431 |
| Efficiency ratio | 71.4384% | 2,661 |
| Assets per employee ($millions) | 3.8589% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,400 |
| Loan loss allowance to noncurrent loans | 208.1725% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 3.2394% | 332 |
| Noncurrent loans to loans | 0.7799% | 2,727 |
| Net loans and leases to total assets | 82.1122% | 605 |
| Net loans and leases to deposits | 103.3246% | 487 |
| Net loans and leases to core deposits | 119.9035% | 507 |
| Total domestic deposits to total assets | 79.4701% | 4,625 |
| Equity capital to assets | 12.4489% | 1,807 |
| Core capital (leverage) ratio | 12.4061% | 1,436 |
| Tier 1 risk-based capital ratio | 13.6023% | 3,801 |
| Total risk-based capital ratio | 14.8552% | 3,711 |
| Memoranda: | ||
| Average total assets | $503,610,750 | 1,370 |
| Average earning assets | $464,924,000 | 1,367 |
| Average equity | $61,755,750 | 1,273 |
| Average total loans | $414,009,250 | 1,177 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 773 |
| Cost of funding earning assets | 0.7409% | 661 |
| Net interest margin | 4.1278% | 1,301 |
| Noninterest income to average assets | 0.7850% | 1,788 |
| Noninterest expense to average assets | 3.2877% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7953% | 3,329 |
| Return on assets (ROA) | 0.7953% | 3,471 |
| Pretax return on assets | 1.2996% | 2,412 |
| Return on Equity (ROE) | 6.5192% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.5192% | 1,865 |
| Net charge-offs to loans | -0.0322% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5391% | 2,739 |
| Assets per employee ($millions) | 4.0013% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 706 |
| Loan loss allowance to noncurrent loans | 146.5649% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 3.8940% | 239 |
| Noncurrent loans to loans | 1.3785% | 1,623 |
| Net loans and leases to total assets | 81.9145% | 638 |
| Net loans and leases to deposits | 103.0878% | 506 |
| Net loans and leases to core deposits | 115.6596% | 650 |
| Total domestic deposits to total assets | 79.4609% | 4,680 |
| Equity capital to assets | 12.4719% | 1,789 |
| Core capital (leverage) ratio | 12.4458% | 1,386 |
| Tier 1 risk-based capital ratio | 13.6390% | 3,812 |
| Total risk-based capital ratio | 14.8965% | 3,725 |
| Memoranda: | ||
| Average total assets | $501,687,670 | 1,380 |
| Average earning assets | $462,139,330 | 1,383 |
| Average equity | $61,203,670 | 1,282 |
| Average total loans | $410,290,330 | 1,185 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 637 |
| Cost of funding earning assets | 0.7419% | 661 |
| Net interest margin | 4.2105% | 1,075 |
| Noninterest income to average assets | 0.7101% | 1,991 |
| Noninterest expense to average assets | 3.1971% | 1,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8470% | 2,997 |
| Return on assets (ROA) | 0.8470% | 3,129 |
| Pretax return on assets | 1.3852% | 1,943 |
| Return on Equity (ROE) | 7.0212% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.0212% | 1,878 |
| Net charge-offs to loans | -0.0276% | 5,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6491% | 3,194 |
| Assets per employee ($millions) | 4.2543% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0746% | 723 |
| Loan loss allowance to noncurrent loans | 3,298.0392% | 209 |
| Noncurrent assets plus other real estate owned to assets | 3.4743% | 323 |
| Noncurrent loans to loans | 0.0629% | 5,232 |
| Net loans and leases to total assets | 79.0785% | 939 |
| Net loans and leases to deposits | 97.8328% | 773 |
| Net loans and leases to core deposits | 108.7465% | 929 |
| Total domestic deposits to total assets | 80.8303% | 4,547 |
| Equity capital to assets | 12.2028% | 1,893 |
| Core capital (leverage) ratio | 12.2567% | 1,460 |
| Tier 1 risk-based capital ratio | 13.8841% | 3,766 |
| Total risk-based capital ratio | 15.1424% | 3,696 |
| Memoranda: | ||
| Average total assets | $502,452,500 | 1,380 |
| Average earning assets | $462,077,500 | 1,381 |
| Average equity | $60,616,000 | 1,287 |
| Average total loans | $406,360,500 | 1,192 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 835 |
| Cost of funding earning assets | 0.7880% | 532 |
| Net interest margin | 4.0732% | 1,479 |
| Noninterest income to average assets | 0.4728% | 3,512 |
| Noninterest expense to average assets | 3.1073% | 2,214 |
| Loan and lease loss provision to assets | 0.0399% | 3,539 |
| Net operating income to assets | 0.6498% | 4,035 |
| Return on assets (ROA) | 0.6498% | 4,135 |
| Pretax return on assets | 1.0642% | 3,212 |
| Return on Equity (ROE) | 5.5623% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.5623% | 2,041 |
| Net charge-offs to loans | -0.0851% | 5,730 |
| Credit loss provision to net charge-offs | -58.6510% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6458% | 2,635 |
| Assets per employee ($millions) | 4.2983% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 727 |
| Loan loss allowance to noncurrent loans | 2,015.1442% | 323 |
| Noncurrent assets plus other real estate owned to assets | 3.5140% | 336 |
| Noncurrent loans to loans | 0.1021% | 5,091 |
| Net loans and leases to total assets | 79.3298% | 945 |
| Net loans and leases to deposits | 97.7093% | 841 |
| Net loans and leases to core deposits | 108.5230% | 941 |
| Total domestic deposits to total assets | 81.1897% | 4,429 |
| Equity capital to assets | 11.9255% | 2,014 |
| Core capital (leverage) ratio | 11.9477% | 1,654 |
| Tier 1 risk-based capital ratio | 13.8442% | 3,806 |
| Total risk-based capital ratio | 15.1030% | 3,732 |
| Memoranda: | ||
| Average total assets | $501,047,000 | 1,343 |
| Average earning assets | $459,887,200 | 1,346 |
| Average equity | $58,537,000 | 1,283 |
| Average total loans | $400,494,000 | 1,154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 878 |
| Cost of funding earning assets | 0.7978% | 505 |
| Net interest margin | 4.0389% | 1,584 |
| Noninterest income to average assets | 0.5343% | 3,139 |
| Noninterest expense to average assets | 3.0667% | 2,313 |
| Loan and lease loss provision to assets | 0.0533% | 3,130 |
| Net operating income to assets | 0.6840% | 3,973 |
| Return on assets (ROA) | 0.6840% | 4,088 |
| Pretax return on assets | 1.1184% | 3,145 |
| Return on Equity (ROE) | 5.8852% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.8852% | 2,321 |
| Net charge-offs to loans | -0.0465% | 5,521 |
| Credit loss provision to net charge-offs | -143.8849% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2177% | 2,837 |
| Assets per employee ($millions) | 4.4214% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 879 |
| Loan loss allowance to noncurrent loans | 180.6537% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 4.0910% | 281 |
| Noncurrent loans to loans | 1.1230% | 2,259 |
| Net loans and leases to total assets | 77.6884% | 1,151 |
| Net loans and leases to deposits | 96.7036% | 938 |
| Net loans and leases to core deposits | 106.8802% | 1,041 |
| Total domestic deposits to total assets | 80.3366% | 4,661 |
| Equity capital to assets | 11.7050% | 2,347 |
| Core capital (leverage) ratio | 11.8727% | 1,762 |
| Tier 1 risk-based capital ratio | 13.6063% | 4,081 |
| Total risk-based capital ratio | 14.8643% | 4,004 |
| Memoranda: | ||
| Average total assets | $500,584,000 | 1,346 |
| Average earning assets | $459,096,000 | 1,355 |
| Average equity | $58,178,000 | 1,301 |
| Average total loans | $398,784,500 | 1,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8327% | 837 |
| Cost of funding earning assets | 0.7904% | 530 |
| Net interest margin | 4.0423% | 1,516 |
| Noninterest income to average assets | 0.5800% | 2,856 |
| Noninterest expense to average assets | 3.0468% | 2,405 |
| Loan and lease loss provision to assets | 0.0803% | 2,504 |
| Net operating income to assets | 0.7049% | 3,870 |
| Return on assets (ROA) | 0.7049% | 3,990 |
| Pretax return on assets | 1.1523% | 2,963 |
| Return on Equity (ROE) | 6.0798% | 4,090 |
| Retained earnings to average equity (ytd only) | 6.0798% | 2,186 |
| Net charge-offs to loans | -0.0871% | 5,732 |
| Credit loss provision to net charge-offs | -115.6069% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0558% | 3,146 |
| Assets per employee ($millions) | 4.2701% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 879 |
| Loan loss allowance to noncurrent loans | 121.0193% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 4.9992% | 220 |
| Noncurrent loans to loans | 1.7196% | 1,495 |
| Net loans and leases to total assets | 78.7253% | 975 |
| Net loans and leases to deposits | 98.4657% | 754 |
| Net loans and leases to core deposits | 104.4917% | 1,159 |
| Total domestic deposits to total assets | 79.9521% | 4,883 |
| Equity capital to assets | 11.9139% | 2,094 |
| Core capital (leverage) ratio | 11.9050% | 1,711 |
| Tier 1 risk-based capital ratio | 13.4722% | 4,237 |
| Total risk-based capital ratio | 14.7309% | 4,168 |
| Memoranda: | ||
| Average total assets | $497,959,670 | 1,359 |
| Average earning assets | $455,725,330 | 1,371 |
| Average equity | $57,732,330 | 1,317 |
| Average total loans | $397,315,330 | 1,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 960 |
| Cost of funding earning assets | 0.7909% | 531 |
| Net interest margin | 3.9521% | 1,708 |
| Noninterest income to average assets | 0.5935% | 2,681 |
| Noninterest expense to average assets | 2.9620% | 2,699 |
| Loan and lease loss provision to assets | 0.1595% | 1,271 |
| Net operating income to assets | 0.6358% | 4,109 |
| Return on assets (ROA) | 0.6358% | 4,234 |
| Pretax return on assets | 1.0833% | 3,146 |
| Return on Equity (ROE) | 5.5592% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.5592% | 2,744 |
| Net charge-offs to loans | -0.4536% | 6,225 |
| Credit loss provision to net charge-offs | -44.2478% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3092% | 3,426 |
| Assets per employee ($millions) | 4.3336% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 883 |
| Loan loss allowance to noncurrent loans | 70.1404% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 5.7008% | 191 |
| Noncurrent loans to loans | 3.0384% | 704 |
| Net loans and leases to total assets | 78.2691% | 883 |
| Net loans and leases to deposits | 96.7092% | 786 |
| Net loans and leases to core deposits | 101.1776% | 1,242 |
| Total domestic deposits to total assets | 80.9324% | 4,840 |
| Equity capital to assets | 11.6066% | 2,372 |
| Core capital (leverage) ratio | 11.4993% | 2,003 |
| Tier 1 risk-based capital ratio | 13.5533% | 4,300 |
| Total risk-based capital ratio | 14.8127% | 4,209 |
| Memoranda: | ||
| Average total assets | $501,410,500 | 1,357 |
| Average earning assets | $458,191,000 | 1,365 |
| Average equity | $57,346,500 | 1,332 |
| Average total loans | $398,571,500 | 1,153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 984 |
| Cost of funding earning assets | 0.8173% | 591 |
| Net interest margin | 4.0478% | 1,747 |
| Noninterest income to average assets | 0.6093% | 2,802 |
| Noninterest expense to average assets | 3.1463% | 2,374 |
| Loan and lease loss provision to assets | 0.3593% | 524 |
| Net operating income to assets | 0.4668% | 4,936 |
| Return on assets (ROA) | 0.4668% | 5,039 |
| Pretax return on assets | 0.7774% | 4,340 |
| Return on Equity (ROE) | 4.1649% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.1649% | 3,232 |
| Net charge-offs to loans | 0.8742% | 372 |
| Credit loss provision to net charge-offs | 52.0986% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.6481% | 4,368 |
| Efficiency ratio | 72.8128% | 3,067 |
| Assets per employee ($millions) | 4.3866% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 1,168 |
| Loan loss allowance to noncurrent loans | 62.6859% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 6.0336% | 195 |
| Noncurrent loans to loans | 3.1386% | 703 |
| Net loans and leases to total assets | 77.4579% | 1,074 |
| Net loans and leases to deposits | 96.1616% | 891 |
| Net loans and leases to core deposits | 100.5730% | 1,358 |
| Total domestic deposits to total assets | 80.5497% | 4,871 |
| Equity capital to assets | 11.2696% | 2,629 |
| Core capital (leverage) ratio | 10.3522% | 3,111 |
| Tier 1 risk-based capital ratio | 12.8322% | 4,837 |
| Total risk-based capital ratio | 14.0915% | 4,741 |
| Memoranda: | ||
| Average total assets | $493,978,600 | 1,346 |
| Average earning assets | $448,321,600 | 1,365 |
| Average equity | $55,367,600 | 1,318 |
| Average total loans | $389,708,600 | 1,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 975 |
| Cost of funding earning assets | 0.8185% | 628 |
| Net interest margin | 4.0577% | 1,701 |
| Noninterest income to average assets | 0.6797% | 2,422 |
| Noninterest expense to average assets | 3.1135% | 2,434 |
| Loan and lease loss provision to assets | 0.3731% | 467 |
| Net operating income to assets | 0.5248% | 4,776 |
| Return on assets (ROA) | 0.5248% | 4,851 |
| Pretax return on assets | 0.8751% | 4,093 |
| Return on Equity (ROE) | 4.6886% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.6886% | 3,293 |
| Net charge-offs to loans | 0.5739% | 649 |
| Credit loss provision to net charge-offs | 82.4341% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.7578% | 3,830 |
| Efficiency ratio | 70.5798% | 3,408 |
| Assets per employee ($millions) | 4.3532% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3419% | 792 |
| Loan loss allowance to noncurrent loans | 60.8658% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 6.9548% | 173 |
| Noncurrent loans to loans | 3.8477% | 577 |
| Net loans and leases to total assets | 77.8298% | 976 |
| Net loans and leases to deposits | 97.0907% | 787 |
| Net loans and leases to core deposits | 101.2983% | 1,263 |
| Total domestic deposits to total assets | 80.1619% | 5,063 |
| Equity capital to assets | 11.4383% | 2,541 |
| Core capital (leverage) ratio | 10.2551% | 3,332 |
| Tier 1 risk-based capital ratio | 12.9268% | 4,910 |
| Total risk-based capital ratio | 14.1908% | 4,819 |
| Memoranda: | ||
| Average total assets | $491,359,250 | 1,364 |
| Average earning assets | $445,862,250 | 1,387 |
| Average equity | $54,997,000 | 1,331 |
| Average total loans | $387,490,000 | 1,146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 1,018 |
| Cost of funding earning assets | 0.8135% | 660 |
| Net interest margin | 4.0190% | 1,763 |
| Noninterest income to average assets | 0.6364% | 2,633 |
| Noninterest expense to average assets | 3.1211% | 2,420 |
| Loan and lease loss provision to assets | 0.4377% | 373 |
| Net operating income to assets | 0.4198% | 5,137 |
| Return on assets (ROA) | 0.4198% | 5,219 |
| Pretax return on assets | 0.7207% | 4,572 |
| Return on Equity (ROE) | 3.7784% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.7784% | 3,781 |
| Net charge-offs to loans | 0.2420% | 1,592 |
| Credit loss provision to net charge-offs | 230.1927% | 1,053 |
| Earnings coverage of net charge-offs (x) | 6.0921% | 2,825 |
| Efficiency ratio | 71.7697% | 3,385 |
| Assets per employee ($millions) | 4.5209% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5444% | 674 |
| Loan loss allowance to noncurrent loans | 50.1992% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 7.5941% | 150 |
| Noncurrent loans to loans | 5.0685% | 388 |
| Net loans and leases to total assets | 78.3579% | 865 |
| Net loans and leases to deposits | 97.4746% | 703 |
| Net loans and leases to core deposits | 101.9168% | 1,137 |
| Total domestic deposits to total assets | 80.3880% | 5,158 |
| Equity capital to assets | 11.2333% | 2,668 |
| Core capital (leverage) ratio | 10.1007% | 3,472 |
| Tier 1 risk-based capital ratio | 12.4016% | 5,297 |
| Total risk-based capital ratio | 13.6683% | 5,203 |
| Memoranda: | ||
| Average total assets | $491,176,670 | 1,364 |
| Average earning assets | $445,235,000 | 1,387 |
| Average equity | $54,574,000 | 1,333 |
| Average total loans | $385,976,330 | 1,136 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,023 |
| Cost of funding earning assets | 0.8126% | 701 |
| Net interest margin | 3.9975% | 1,772 |
| Noninterest income to average assets | 0.6526% | 2,446 |
| Noninterest expense to average assets | 3.0850% | 2,577 |
| Loan and lease loss provision to assets | 0.5098% | 290 |
| Net operating income to assets | 0.3858% | 5,164 |
| Return on assets (ROA) | 0.3858% | 5,234 |
| Pretax return on assets | 0.6770% | 4,564 |
| Return on Equity (ROE) | 3.4918% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.4918% | 4,036 |
| Net charge-offs to loans | -0.0095% | 5,029 |
| Credit loss provision to net charge-offs | -6,944.4444% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8421% | 3,677 |
| Assets per employee ($millions) | 4.6170% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6414% | 682 |
| Loan loss allowance to noncurrent loans | 51.1461% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 7.6348% | 183 |
| Noncurrent loans to loans | 5.1644% | 419 |
| Net loans and leases to total assets | 76.1272% | 989 |
| Net loans and leases to deposits | 94.1494% | 779 |
| Net loans and leases to core deposits | 98.2656% | 1,221 |
| Total domestic deposits to total assets | 80.8578% | 5,272 |
| Equity capital to assets | 11.1490% | 2,574 |
| Core capital (leverage) ratio | 9.9819% | 3,596 |
| Tier 1 risk-based capital ratio | 12.5657% | 5,273 |
| Total risk-based capital ratio | 13.8332% | 5,202 |
| Memoranda: | ||
| Average total assets | $490,377,000 | 1,377 |
| Average earning assets | $443,981,000 | 1,391 |
| Average equity | $54,183,500 | 1,338 |
| Average total loans | $380,859,500 | 1,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7795% | 1,372 |
| Cost of funding earning assets | 0.9605% | 550 |
| Net interest margin | 3.8190% | 2,576 |
| Noninterest income to average assets | 0.2619% | 5,472 |
| Noninterest expense to average assets | 2.8843% | 3,419 |
| Loan and lease loss provision to assets | 0.4342% | 676 |
| Net operating income to assets | 0.2109% | 5,792 |
| Return on assets (ROA) | 0.2109% | 5,855 |
| Pretax return on assets | 0.3789% | 5,542 |
| Return on Equity (ROE) | 1.9377% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.9377% | 4,854 |
| Net charge-offs to loans | 0.9894% | 594 |
| Credit loss provision to net charge-offs | 57.8891% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1.0840% | 4,715 |
| Efficiency ratio | 76.4243% | 2,717 |
| Assets per employee ($millions) | 4.5920% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4995% | 826 |
| Loan loss allowance to noncurrent loans | 47.5579% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 7.6536% | 207 |
| Noncurrent loans to loans | 5.2556% | 450 |
| Net loans and leases to total assets | 75.2147% | 1,197 |
| Net loans and leases to deposits | 92.9557% | 965 |
| Net loans and leases to core deposits | 96.7182% | 1,404 |
| Total domestic deposits to total assets | 80.9145% | 5,206 |
| Equity capital to assets | 10.9501% | 2,660 |
| Core capital (leverage) ratio | 9.7034% | 3,980 |
| Tier 1 risk-based capital ratio | 12.2969% | 5,429 |
| Total risk-based capital ratio | 13.5624% | 5,349 |
| Memoranda: | ||
| Average total assets | $495,133,800 | 1,340 |
| Average earning assets | $445,404,000 | 1,361 |
| Average equity | $53,877,200 | 1,319 |
| Average total loans | $375,382,400 | 1,128 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 1,487 |
| Cost of funding earning assets | 1.0000% | 493 |
| Net interest margin | 3.7452% | 2,865 |
| Noninterest income to average assets | 0.4112% | 4,440 |
| Noninterest expense to average assets | 2.9067% | 3,287 |
| Loan and lease loss provision to assets | 0.4972% | 551 |
| Net operating income to assets | 0.2078% | 5,894 |
| Return on assets (ROA) | 0.2078% | 5,975 |
| Pretax return on assets | 0.3744% | 5,695 |
| Return on Equity (ROE) | 1.9123% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.9123% | 5,173 |
| Net charge-offs to loans | 1.3181% | 401 |
| Credit loss provision to net charge-offs | 49.9730% | 3,503 |
| Earnings coverage of net charge-offs (x) | 0.8760% | 4,562 |
| Efficiency ratio | 75.3877% | 2,828 |
| Assets per employee ($millions) | 4.6986% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 1,045 |
| Loan loss allowance to noncurrent loans | 37.8773% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 8.6605% | 194 |
| Noncurrent loans to loans | 6.3441% | 375 |
| Net loans and leases to total assets | 76.3511% | 964 |
| Net loans and leases to deposits | 95.9059% | 696 |
| Net loans and leases to core deposits | 99.8055% | 1,129 |
| Total domestic deposits to total assets | 79.6105% | 5,605 |
| Equity capital to assets | 11.0072% | 2,752 |
| Core capital (leverage) ratio | 9.6405% | 4,183 |
| Tier 1 risk-based capital ratio | 11.9802% | 5,790 |
| Total risk-based capital ratio | 13.2465% | 5,720 |
| Memoranda: | ||
| Average total assets | $496,080,250 | 1,347 |
| Average earning assets | $446,002,750 | 1,372 |
| Average equity | $53,895,750 | 1,329 |
| Average total loans | $374,468,000 | 1,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,705 |
| Cost of funding earning assets | 1.0286% | 468 |
| Net interest margin | 3.6194% | 3,283 |
| Noninterest income to average assets | 0.6005% | 3,187 |
| Noninterest expense to average assets | 2.8635% | 3,461 |
| Loan and lease loss provision to assets | 0.6017% | 423 |
| Net operating income to assets | 0.2150% | 5,851 |
| Return on assets (ROA) | 0.2150% | 5,984 |
| Pretax return on assets | 0.3875% | 5,664 |
| Return on Equity (ROE) | 1.9877% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.9877% | 5,006 |
| Net charge-offs to loans | 2.1648% | 192 |
| Credit loss provision to net charge-offs | 37.2671% | 3,469 |
| Earnings coverage of net charge-offs (x) | 0.6127% | 4,325 |
| Efficiency ratio | 72.8134% | 3,336 |
| Assets per employee ($millions) | 4.7694% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3018% | 1,258 |
| Loan loss allowance to noncurrent loans | 34.8225% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 9.0831% | 183 |
| Noncurrent loans to loans | 6.6100% | 391 |
| Net loans and leases to total assets | 73.5457% | 1,318 |
| Net loans and leases to deposits | 94.6762% | 765 |
| Net loans and leases to core deposits | 98.5048% | 1,172 |
| Total domestic deposits to total assets | 77.6814% | 6,036 |
| Equity capital to assets | 10.9506% | 2,797 |
| Core capital (leverage) ratio | 9.5493% | 4,165 |
| Tier 1 risk-based capital ratio | 12.2075% | 5,676 |
| Total risk-based capital ratio | 13.4725% | 5,611 |
| Memoranda: | ||
| Average total assets | $498,556,000 | 1,339 |
| Average earning assets | $447,975,330 | 1,367 |
| Average equity | $53,932,000 | 1,334 |
| Average total loans | $371,864,670 | 1,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,770 |
| Cost of funding earning assets | 1.0369% | 504 |
| Net interest margin | 3.5838% | 3,324 |
| Noninterest income to average assets | 0.5018% | 3,756 |
| Noninterest expense to average assets | 2.8068% | 3,671 |
| Loan and lease loss provision to assets | 0.4978% | 543 |
| Net operating income to assets | 0.2294% | 5,793 |
| Return on assets (ROA) | 0.2294% | 5,919 |
| Pretax return on assets | 0.4126% | 5,529 |
| Return on Equity (ROE) | 2.1333% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.1333% | 4,934 |
| Net charge-offs to loans | 1.2636% | 448 |
| Credit loss provision to net charge-offs | 53.0560% | 2,558 |
| Earnings coverage of net charge-offs (x) | 0.9703% | 3,512 |
| Efficiency ratio | 73.9661% | 3,271 |
| Assets per employee ($millions) | 5.1976% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8422% | 782 |
| Loan loss allowance to noncurrent loans | 40.2341% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 9.6148% | 214 |
| Noncurrent loans to loans | 7.0642% | 415 |
| Net loans and leases to total assets | 72.5883% | 1,267 |
| Net loans and leases to deposits | 93.3368% | 708 |
| Net loans and leases to core deposits | 97.0292% | 1,140 |
| Total domestic deposits to total assets | 77.7703% | 6,147 |
| Equity capital to assets | 10.9566% | 3,006 |
| Core capital (leverage) ratio | 9.3674% | 4,291 |
| Tier 1 risk-based capital ratio | 12.2340% | 5,767 |
| Total risk-based capital ratio | 13.5057% | 5,706 |
| Memoranda: | ||
| Average total assets | $502,212,000 | 1,345 |
| Average earning assets | $450,583,500 | 1,367 |
| Average equity | $54,001,000 | 1,351 |
| Average total loans | $372,896,500 | 1,143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 1,428 |
| Cost of funding earning assets | 1.2057% | 558 |
| Net interest margin | 3.8445% | 3,045 |
| Noninterest income to average assets | 0.1583% | 6,245 |
| Noninterest expense to average assets | 3.0956% | 2,937 |
| Loan and lease loss provision to assets | 2.6001% | 56 |
| Net operating income to assets | -1.4586% | 6,848 |
| Return on assets (ROA) | -1.4586% | 6,856 |
| Pretax return on assets | -2.1122% | 6,942 |
| Return on Equity (ROE) | -12.6480% | 6,782 |
| Retained earnings to average equity (ytd only) | -12.6480% | 6,718 |
| Net charge-offs to loans | 2.4815% | 245 |
| Credit loss provision to net charge-offs | 136.6296% | 2,025 |
| Earnings coverage of net charge-offs (x) | 0.2564% | 5,348 |
| Efficiency ratio | 75.0459% | 2,901 |
| Assets per employee ($millions) | 5.5506% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9284% | 713 |
| Loan loss allowance to noncurrent loans | 45.3787% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 9.0630% | 267 |
| Noncurrent loans to loans | 6.4533% | 526 |
| Net loans and leases to total assets | 71.6437% | 1,544 |
| Net loans and leases to deposits | 91.2129% | 965 |
| Net loans and leases to core deposits | 95.2365% | 1,369 |
| Total domestic deposits to total assets | 78.5456% | 5,979 |
| Equity capital to assets | 10.5554% | 3,461 |
| Core capital (leverage) ratio | 9.1202% | 4,706 |
| Tier 1 risk-based capital ratio | 12.0925% | 5,725 |
| Total risk-based capital ratio | 13.3660% | 5,672 |
| Memoranda: | ||
| Average total assets | $501,098,000 | 1,331 |
| Average earning assets | $446,450,400 | 1,359 |
| Average equity | $57,787,600 | 1,227 |
| Average total loans | $384,285,800 | 1,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1175% | 1,389 |
| Cost of funding earning assets | 1.2455% | 565 |
| Net interest margin | 3.8719% | 3,020 |
| Noninterest income to average assets | 0.0970% | 6,626 |
| Noninterest expense to average assets | 2.6847% | 4,426 |
| Loan and lease loss provision to assets | 2.8818% | 44 |
| Net operating income to assets | -1.2723% | 6,922 |
| Return on assets (ROA) | -1.2723% | 6,944 |
| Pretax return on assets | -2.0262% | 7,035 |
| Return on Equity (ROE) | -10.7986% | 6,873 |
| Retained earnings to average equity (ytd only) | -10.7986% | 6,834 |
| Net charge-offs to loans | 3.1045% | 168 |
| Credit loss provision to net charge-offs | 119.8866% | 2,417 |
| Earnings coverage of net charge-offs (x) | 0.3559% | 5,148 |
| Efficiency ratio | 74.1957% | 2,955 |
| Assets per employee ($millions) | 5.6922% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 1,308 |
| Loan loss allowance to noncurrent loans | 39.5256% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 9.6772% | 259 |
| Noncurrent loans to loans | 6.1370% | 652 |
| Net loans and leases to total assets | 75.8006% | 1,000 |
| Net loans and leases to deposits | 97.9547% | 549 |
| Net loans and leases to core deposits | 102.0315% | 982 |
| Total domestic deposits to total assets | 77.3834% | 6,181 |
| Equity capital to assets | 11.4175% | 2,829 |
| Core capital (leverage) ratio | 9.5803% | 4,149 |
| Tier 1 risk-based capital ratio | 11.9572% | 5,959 |
| Total risk-based capital ratio | 13.2238% | 5,937 |
| Memoranda: | ||
| Average total assets | $498,708,500 | 1,360 |
| Average earning assets | $443,488,750 | 1,382 |
| Average equity | $58,759,000 | 1,210 |
| Average total loans | $386,134,750 | 1,094 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 1,335 |
| Cost of funding earning assets | 1.2883% | 554 |
| Net interest margin | 3.8806% | 2,993 |
| Noninterest income to average assets | -0.0820% | 7,079 |
| Noninterest expense to average assets | 2.6783% | 4,502 |
| Loan and lease loss provision to assets | 4.0126% | 25 |
| Net operating income to assets | -2.0705% | 7,078 |
| Return on assets (ROA) | -2.0705% | 7,088 |
| Pretax return on assets | -3.3189% | 7,164 |
| Return on Equity (ROE) | -17.3955% | 7,007 |
| Retained earnings to average equity (ytd only) | -17.3955% | 6,977 |
| Net charge-offs to loans | 4.5622% | 89 |
| Credit loss provision to net charge-offs | 113.7204% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.1966% | 4,976 |
| Efficiency ratio | 77.7053% | 2,498 |
| Assets per employee ($millions) | 5.7017% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 1,589 |
| Loan loss allowance to noncurrent loans | 57.6908% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 7.9053% | 440 |
| Noncurrent loans to loans | 3.9862% | 1,384 |
| Net loans and leases to total assets | 74.9754% | 1,104 |
| Net loans and leases to deposits | 96.6482% | 590 |
| Net loans and leases to core deposits | 101.8284% | 988 |
| Total domestic deposits to total assets | 77.5756% | 6,235 |
| Equity capital to assets | 11.2800% | 2,817 |
| Core capital (leverage) ratio | 9.3192% | 4,425 |
| Tier 1 risk-based capital ratio | 12.0602% | 5,886 |
| Total risk-based capital ratio | 13.3257% | 5,860 |
| Memoranda: | ||
| Average total assets | $499,870,000 | 1,353 |
| Average earning assets | $444,929,330 | 1,386 |
| Average equity | $59,498,000 | 1,196 |
| Average total loans | $386,608,000 | 1,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 1,325 |
| Cost of funding earning assets | 1.3314% | 554 |
| Net interest margin | 3.8665% | 3,071 |
| Noninterest income to average assets | 0.5221% | 3,767 |
| Noninterest expense to average assets | 2.6219% | 4,739 |
| Loan and lease loss provision to assets | 0.6042% | 945 |
| Net operating income to assets | 0.4400% | 5,085 |
| Return on assets (ROA) | 0.4400% | 5,277 |
| Pretax return on assets | 0.7477% | 4,618 |
| Return on Equity (ROE) | 3.6037% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.6037% | 4,414 |
| Net charge-offs to loans | 0.5431% | 1,730 |
| Credit loss provision to net charge-offs | 143.2892% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.2060% | 2,917 |
| Efficiency ratio | 64.5336% | 4,827 |
| Assets per employee ($millions) | 5.7825% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,420 |
| Loan loss allowance to noncurrent loans | 33.4870% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 9.5300% | 337 |
| Noncurrent loans to loans | 5.9147% | 853 |
| Net loans and leases to total assets | 76.4738% | 751 |
| Net loans and leases to deposits | 99.6547% | 381 |
| Net loans and leases to core deposits | 106.1912% | 664 |
| Total domestic deposits to total assets | 76.7388% | 6,444 |
| Equity capital to assets | 12.2340% | 1,889 |
| Core capital (leverage) ratio | 11.1009% | 2,185 |
| Tier 1 risk-based capital ratio | 13.9749% | 4,488 |
| Total risk-based capital ratio | 15.2363% | 4,441 |
| Memoranda: | ||
| Average total assets | $501,783,000 | 1,351 |
| Average earning assets | $447,953,000 | 1,377 |
| Average equity | $61,270,000 | 1,158 |
| Average total loans | $389,579,500 | 1,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 1,647 |
| Cost of funding earning assets | 1.4748% | 792 |
| Net interest margin | 3.8433% | 3,606 |
| Noninterest income to average assets | 0.3655% | 4,892 |
| Noninterest expense to average assets | 2.5942% | 5,121 |
| Loan and lease loss provision to assets | 0.8619% | 1,123 |
| Net operating income to assets | 0.2039% | 5,580 |
| Return on assets (ROA) | 0.2039% | 5,708 |
| Pretax return on assets | 0.3599% | 5,403 |
| Return on Equity (ROE) | 1.7184% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,991 |
| Net charge-offs to loans | 1.3129% | 1,259 |
| Credit loss provision to net charge-offs | 83.3588% | 4,308 |
| Earnings coverage of net charge-offs (x) | 1.1817% | 4,904 |
| Efficiency ratio | 66.4784% | 4,668 |
| Assets per employee ($millions) | 5.9582% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 2,416 |
| Loan loss allowance to noncurrent loans | 29.1083% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 9.9108% | 340 |
| Noncurrent loans to loans | 6.7027% | 683 |
| Net loans and leases to total assets | 75.7497% | 979 |
| Net loans and leases to deposits | 98.6293% | 519 |
| Net loans and leases to core deposits | 106.4764% | 776 |
| Total domestic deposits to total assets | 76.8024% | 6,366 |
| Equity capital to assets | 12.1868% | 1,977 |
| Core capital (leverage) ratio | 10.8788% | 2,370 |
| Tier 1 risk-based capital ratio | 13.7662% | 4,505 |
| Total risk-based capital ratio | 15.0270% | 4,462 |
| Memoranda: | ||
| Average total assets | $505,629,600 | 1,324 |
| Average earning assets | $453,959,000 | 1,343 |
| Average equity | $59,996,200 | 1,123 |
| Average total loans | $398,212,000 | 1,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 1,787 |
| Cost of funding earning assets | 1.4977% | 869 |
| Net interest margin | 3.8228% | 3,753 |
| Noninterest income to average assets | 0.4085% | 4,606 |
| Noninterest expense to average assets | 2.5758% | 5,166 |
| Loan and lease loss provision to assets | 1.0016% | 858 |
| Net operating income to assets | 0.1483% | 5,841 |
| Return on assets (ROA) | 0.1483% | 5,959 |
| Pretax return on assets | 0.2685% | 5,772 |
| Return on Equity (ROE) | 1.2586% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.2586% | 5,508 |
| Net charge-offs to loans | 1.6175% | 870 |
| Credit loss provision to net charge-offs | 78.2573% | 4,197 |
| Earnings coverage of net charge-offs (x) | 0.9924% | 4,885 |
| Efficiency ratio | 65.4904% | 4,808 |
| Assets per employee ($millions) | 5.9697% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,811 |
| Loan loss allowance to noncurrent loans | 22.8691% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 10.0668% | 353 |
| Noncurrent loans to loans | 8.0323% | 547 |
| Net loans and leases to total assets | 78.4027% | 669 |
| Net loans and leases to deposits | 101.9775% | 391 |
| Net loans and leases to core deposits | 110.7998% | 640 |
| Total domestic deposits to total assets | 76.8823% | 6,393 |
| Equity capital to assets | 12.0873% | 2,181 |
| Core capital (leverage) ratio | 10.7661% | 2,599 |
| Tier 1 risk-based capital ratio | 13.6298% | 4,633 |
| Total risk-based capital ratio | 14.8900% | 4,590 |
| Memoranda: | ||
| Average total assets | $506,914,000 | 1,323 |
| Average earning assets | $455,813,000 | 1,345 |
| Average equity | $59,746,750 | 1,135 |
| Average total loans | $401,098,750 | 1,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 1,616 |
| Cost of funding earning assets | 1.5137% | 959 |
| Net interest margin | 3.8687% | 3,444 |
| Noninterest income to average assets | 0.5276% | 3,645 |
| Noninterest expense to average assets | 2.6234% | 5,098 |
| Loan and lease loss provision to assets | 1.2179% | 633 |
| Net operating income to assets | 0.0771% | 6,063 |
| Return on assets (ROA) | 0.0771% | 6,149 |
| Pretax return on assets | 0.1588% | 6,002 |
| Return on Equity (ROE) | 0.6593% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.6593% | 5,590 |
| Net charge-offs to loans | 0.7421% | 2,019 |
| Credit loss provision to net charge-offs | 208.0591% | 1,446 |
| Earnings coverage of net charge-offs (x) | 2.3519% | 3,648 |
| Efficiency ratio | 64.1572% | 5,210 |
| Assets per employee ($millions) | 6.0601% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5367% | 1,385 |
| Loan loss allowance to noncurrent loans | 34.2082% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 10.2766% | 373 |
| Noncurrent loans to loans | 7.4155% | 652 |
| Net loans and leases to total assets | 76.5611% | 991 |
| Net loans and leases to deposits | 99.2799% | 525 |
| Net loans and leases to core deposits | 108.8636% | 763 |
| Total domestic deposits to total assets | 77.1164% | 6,433 |
| Equity capital to assets | 11.9174% | 2,153 |
| Core capital (leverage) ratio | 10.5074% | 2,707 |
| Tier 1 risk-based capital ratio | 13.3279% | 4,665 |
| Total risk-based capital ratio | 14.5968% | 4,631 |
| Memoranda: | ||
| Average total assets | $508,734,670 | 1,328 |
| Average earning assets | $456,639,670 | 1,344 |
| Average equity | $59,458,330 | 1,128 |
| Average total loans | $401,295,330 | 1,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4218% | 1,495 |
| Cost of funding earning assets | 1.5310% | 1,052 |
| Net interest margin | 3.8909% | 3,188 |
| Noninterest income to average assets | 0.5207% | 3,722 |
| Noninterest expense to average assets | 2.6067% | 5,199 |
| Loan and lease loss provision to assets | 1.0813% | 682 |
| Net operating income to assets | 0.1861% | 5,832 |
| Return on assets (ROA) | 0.1861% | 5,891 |
| Pretax return on assets | 0.3338% | 5,548 |
| Return on Equity (ROE) | 1.6077% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.6077% | 5,148 |
| Net charge-offs to loans | 0.4956% | 2,237 |
| Credit loss provision to net charge-offs | 276.0479% | 1,146 |
| Earnings coverage of net charge-offs (x) | 3.6128% | 2,694 |
| Efficiency ratio | 63.4137% | 5,455 |
| Assets per employee ($millions) | 5.9874% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3552% | 1,671 |
| Loan loss allowance to noncurrent loans | 36.0828% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 8.7504% | 511 |
| Noncurrent loans to loans | 6.5273% | 906 |
| Net loans and leases to total assets | 75.7280% | 1,064 |
| Net loans and leases to deposits | 97.6896% | 589 |
| Net loans and leases to core deposits | 108.2770% | 831 |
| Total domestic deposits to total assets | 77.5190% | 6,442 |
| Equity capital to assets | 11.6539% | 2,158 |
| Core capital (leverage) ratio | 10.2308% | 2,893 |
| Tier 1 risk-based capital ratio | 13.2948% | 4,585 |
| Total risk-based capital ratio | 14.5616% | 4,547 |
| Memoranda: | ||
| Average total assets | $511,607,500 | 1,320 |
| Average earning assets | $460,359,500 | 1,341 |
| Average equity | $59,216,000 | 1,120 |
| Average total loans | $404,384,500 | 1,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 2,320 |
| Cost of funding earning assets | 1.6520% | 1,819 |
| Net interest margin | 3.8393% | 3,779 |
| Noninterest income to average assets | 0.4084% | 4,836 |
| Noninterest expense to average assets | 4.0730% | 1,061 |
| Loan and lease loss provision to assets | 2.9728% | 325 |
| Net operating income to assets | -2.6112% | 7,210 |
| Return on assets (ROA) | -2.4986% | 7,193 |
| Pretax return on assets | -3.0099% | 7,296 |
| Return on Equity (ROE) | -23.1212% | 7,093 |
| Retained earnings to average equity (ytd only) | -23.1212% | 7,071 |
| Net charge-offs to loans | 3.5780% | 392 |
| Credit loss provision to net charge-offs | 105.4099% | 4,256 |
| Earnings coverage of net charge-offs (x) | -0.0613% | 6,185 |
| Efficiency ratio | 62.5982% | 5,605 |
| Assets per employee ($millions) | 6.1225% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 2,217 |
| Loan loss allowance to noncurrent loans | 26.8550% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 9.0214% | 498 |
| Noncurrent loans to loans | 7.5675% | 712 |
| Net loans and leases to total assets | 78.8776% | 822 |
| Net loans and leases to deposits | 101.3856% | 513 |
| Net loans and leases to core deposits | 115.1597% | 668 |
| Total domestic deposits to total assets | 77.7996% | 6,354 |
| Equity capital to assets | 11.4959% | 2,264 |
| Core capital (leverage) ratio | 9.1051% | 4,353 |
| Tier 1 risk-based capital ratio | 12.6834% | 4,874 |
| Total risk-based capital ratio | 13.9463% | 4,841 |
| Memoranda: | ||
| Average total assets | $633,149,400 | 1,064 |
| Average earning assets | $575,837,800 | 1,044 |
| Average equity | $68,422,000 | 983 |
| Average total loans | $499,045,800 | 896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 2,840 |
| Cost of funding earning assets | 1.6502% | 2,102 |
| Net interest margin | 3.7579% | 4,153 |
| Noninterest income to average assets | 0.3818% | 5,102 |
| Noninterest expense to average assets | 2.5149% | 5,658 |
| Loan and lease loss provision to assets | 2.9775% | 292 |
| Net operating income to assets | -1.1625% | 6,970 |
| Return on assets (ROA) | -1.0433% | 6,965 |
| Pretax return on assets | -1.5176% | 7,045 |
| Return on Equity (ROE) | -9.7754% | 6,919 |
| Retained earnings to average equity (ytd only) | -9.7754% | 6,867 |
| Net charge-offs to loans | 3.0341% | 503 |
| Credit loss provision to net charge-offs | 125.0253% | 3,278 |
| Earnings coverage of net charge-offs (x) | 0.5405% | 5,486 |
| Efficiency ratio | 64.9984% | 5,050 |
| Assets per employee ($millions) | 5.8254% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 1,946 |
| Loan loss allowance to noncurrent loans | 37.3203% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 7.0085% | 774 |
| Noncurrent loans to loans | 5.6890% | 1,152 |
| Net loans and leases to total assets | 77.7318% | 1,083 |
| Net loans and leases to deposits | 97.6298% | 826 |
| Net loans and leases to core deposits | 112.5382% | 907 |
| Total domestic deposits to total assets | 79.6189% | 5,830 |
| Equity capital to assets | 11.4012% | 2,604 |
| Core capital (leverage) ratio | 8.6799% | 5,222 |
| Tier 1 risk-based capital ratio | 11.1082% | 6,274 |
| Total risk-based capital ratio | 12.3717% | 6,258 |
| Memoranda: | ||
| Average total assets | $662,864,750 | 1,013 |
| Average earning assets | $603,303,250 | 1,011 |
| Average equity | $70,747,000 | 952 |
| Average total loans | $520,289,000 | 870 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4964% | 2,531 |
| Cost of funding earning assets | 1.6568% | 2,349 |
| Net interest margin | 3.8396% | 3,715 |
| Noninterest income to average assets | 0.3513% | 5,339 |
| Noninterest expense to average assets | 2.5658% | 5,470 |
| Loan and lease loss provision to assets | 3.2104% | 297 |
| Net operating income to assets | -1.3172% | 7,075 |
| Return on assets (ROA) | -1.3239% | 7,094 |
| Pretax return on assets | -1.9233% | 7,215 |
| Return on Equity (ROE) | -12.6669% | 7,060 |
| Retained earnings to average equity (ytd only) | -12.6669% | 7,021 |
| Net charge-offs to loans | 3.8484% | 349 |
| Credit loss provision to net charge-offs | 106.6647% | 3,827 |
| Earnings coverage of net charge-offs (x) | 0.4309% | 5,295 |
| Efficiency ratio | 65.3200% | 5,098 |
| Assets per employee ($millions) | 5.6853% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 3,419 |
| Loan loss allowance to noncurrent loans | 53.9104% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 4.2460% | 1,580 |
| Noncurrent loans to loans | 2.9786% | 2,694 |
| Net loans and leases to total assets | 76.1666% | 1,466 |
| Net loans and leases to deposits | 94.8431% | 1,166 |
| Net loans and leases to core deposits | 118.1618% | 761 |
| Total domestic deposits to total assets | 80.3080% | 5,630 |
| Equity capital to assets | 10.9634% | 2,900 |
| Core capital (leverage) ratio | 8.4280% | 5,532 |
| Tier 1 risk-based capital ratio | 10.8475% | 6,402 |
| Total risk-based capital ratio | 12.1039% | 6,387 |
| Memoranda: | ||
| Average total assets | $677,988,330 | 991 |
| Average earning assets | $620,009,000 | 989 |
| Average equity | $70,862,000 | 944 |
| Average total loans | $530,251,670 | 863 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 3,283 |
| Cost of funding earning assets | 1.6971% | 2,407 |
| Net interest margin | 3.6554% | 4,463 |
| Noninterest income to average assets | 0.4597% | 4,384 |
| Noninterest expense to average assets | 2.5075% | 5,697 |
| Loan and lease loss provision to assets | 4.2992% | 192 |
| Net operating income to assets | -1.9962% | 7,463 |
| Return on assets (ROA) | -2.0091% | 7,470 |
| Pretax return on assets | -3.0153% | 7,600 |
| Return on Equity (ROE) | -19.6784% | 7,431 |
| Retained earnings to average equity (ytd only) | -19.6784% | 7,361 |
| Net charge-offs to loans | 3.8590% | 349 |
| Credit loss provision to net charge-offs | 141.7622% | 2,509 |
| Earnings coverage of net charge-offs (x) | 0.4297% | 4,646 |
| Efficiency ratio | 64.7095% | 5,351 |
| Assets per employee ($millions) | 4.9269% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 2,678 |
| Loan loss allowance to noncurrent loans | 58.2044% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 4.7183% | 1,404 |
| Noncurrent loans to loans | 3.1221% | 2,568 |
| Net loans and leases to total assets | 78.2593% | 1,102 |
| Net loans and leases to deposits | 96.9855% | 999 |
| Net loans and leases to core deposits | 129.8489% | 500 |
| Total domestic deposits to total assets | 80.6917% | 5,562 |
| Equity capital to assets | 10.6595% | 3,078 |
| Core capital (leverage) ratio | 8.0187% | 6,210 |
| Tier 1 risk-based capital ratio | 10.3397% | 6,768 |
| Total risk-based capital ratio | 11.5987% | 6,763 |
| Memoranda: | ||
| Average total assets | $690,076,000 | 994 |
| Average earning assets | $632,598,500 | 988 |
| Average equity | $70,453,000 | 945 |
| Average total loans | $542,320,500 | 867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5383% | 3,937 |
| Cost of funding earning assets | 2.1047% | 2,433 |
| Net interest margin | 3.4336% | 5,244 |
| Noninterest income to average assets | 0.4620% | 4,704 |
| Noninterest expense to average assets | 2.7314% | 5,240 |
| Loan and lease loss provision to assets | 0.7409% | 2,889 |
| Net operating income to assets | 0.1105% | 5,183 |
| Return on assets (ROA) | 0.1564% | 5,102 |
| Pretax return on assets | 0.2602% | 4,872 |
| Return on Equity (ROE) | 1.5344% | 5,073 |
| Retained earnings to average equity (ytd only) | 1.5344% | 3,999 |
| Net charge-offs to loans | 0.7519% | 2,943 |
| Credit loss provision to net charge-offs | 118.4550% | 4,552 |
| Earnings coverage of net charge-offs (x) | 1.4860% | 4,640 |
| Efficiency ratio | 73.4465% | 4,008 |
| Assets per employee ($millions) | 5.1073% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 4,518 |
| Loan loss allowance to noncurrent loans | 74.2968% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 3,150 |
| Noncurrent loans to loans | 1.8082% | 3,918 |
| Net loans and leases to total assets | 76.5056% | 1,693 |
| Net loans and leases to deposits | 93.4616% | 1,668 |
| Net loans and leases to core deposits | 135.1413% | 997 |
| Total domestic deposits to total assets | 81.8578% | 5,010 |
| Equity capital to assets | 9.7908% | 4,018 |
| Core capital (leverage) ratio | 8.0227% | 6,136 |
| Tier 1 risk-based capital ratio | 10.0781% | 6,804 |
| Total risk-based capital ratio | 11.3313% | 6,766 |
| Memoranda: | ||
| Average total assets | $680,907,000 | 1,008 |
| Average earning assets | $634,348,400 | 988 |
| Average equity | $69,406,800 | 945 |
| Average total loans | $566,404,600 | 841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4705% | 4,574 |
| Cost of funding earning assets | 2.2062% | 2,386 |
| Net interest margin | 3.2642% | 5,779 |
| Noninterest income to average assets | 0.4944% | 4,534 |
| Noninterest expense to average assets | 2.7900% | 4,934 |
| Loan and lease loss provision to assets | 0.5275% | 3,276 |
| Net operating income to assets | 0.1439% | 5,339 |
| Return on assets (ROA) | 0.1783% | 5,295 |
| Pretax return on assets | 0.2768% | 5,118 |
| Return on Equity (ROE) | 1.7307% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.7307% | 4,344 |
| Net charge-offs to loans | 0.6311% | 2,790 |
| Credit loss provision to net charge-offs | 98.7013% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.4045% | 4,730 |
| Efficiency ratio | 77.5861% | 3,227 |
| Assets per employee ($millions) | 4.6103% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,269 |
| Loan loss allowance to noncurrent loans | 42.6274% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.9375% | 2,358 |
| Noncurrent loans to loans | 2.7556% | 2,756 |
| Net loans and leases to total assets | 80.6101% | 1,063 |
| Net loans and leases to deposits | 98.7917% | 1,232 |
| Net loans and leases to core deposits | 143.9902% | 765 |
| Total domestic deposits to total assets | 81.5960% | 4,834 |
| Equity capital to assets | 10.0802% | 3,979 |
| Core capital (leverage) ratio | 8.0519% | 6,271 |
| Tier 1 risk-based capital ratio | 9.7819% | 7,153 |
| Total risk-based capital ratio | 10.9763% | 7,175 |
| Memoranda: | ||
| Average total assets | $672,379,250 | 1,036 |
| Average earning assets | $627,474,500 | 1,013 |
| Average equity | $69,257,000 | 958 |
| Average total loans | $569,386,250 | 857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 5,424 |
| Cost of funding earning assets | 2.3201% | 2,274 |
| Net interest margin | 3.0240% | 6,477 |
| Noninterest income to average assets | 0.4448% | 4,892 |
| Noninterest expense to average assets | 2.7415% | 5,214 |
| Loan and lease loss provision to assets | 0.3141% | 4,059 |
| Net operating income to assets | 0.1303% | 5,473 |
| Return on assets (ROA) | 0.1330% | 5,573 |
| Pretax return on assets | 0.2138% | 5,426 |
| Return on Equity (ROE) | 1.2821% | 5,543 |
| Retained earnings to average equity (ytd only) | 1.2821% | 4,627 |
| Net charge-offs to loans | 0.8572% | 1,975 |
| Credit loss provision to net charge-offs | 42.7288% | 5,866 |
| Earnings coverage of net charge-offs (x) | 0.7124% | 5,009 |
| Efficiency ratio | 82.6267% | 2,650 |
| Assets per employee ($millions) | 4.1268% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 6,677 |
| Loan loss allowance to noncurrent loans | 41.0727% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 2.3232% | 2,801 |
| Noncurrent loans to loans | 2.2463% | 3,191 |
| Net loans and leases to total assets | 85.5656% | 429 |
| Net loans and leases to deposits | 105.8470% | 773 |
| Net loans and leases to core deposits | 166.5647% | 364 |
| Total domestic deposits to total assets | 80.8389% | 5,133 |
| Equity capital to assets | 10.4498% | 3,468 |
| Core capital (leverage) ratio | 8.3903% | 5,639 |
| Tier 1 risk-based capital ratio | 9.7220% | 7,213 |
| Total risk-based capital ratio | 10.6691% | 7,423 |
| Memoranda: | ||
| Average total assets | $665,990,670 | 1,062 |
| Average earning assets | $621,167,000 | 1,038 |
| Average equity | $69,106,330 | 964 |
| Average total loans | $571,154,670 | 874 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 5,998 |
| Cost of funding earning assets | 2.4491% | 2,108 |
| Net interest margin | 2.8278% | 6,930 |
| Noninterest income to average assets | 0.4563% | 4,712 |
| Noninterest expense to average assets | 2.6607% | 5,180 |
| Loan and lease loss provision to assets | 0.2368% | 4,087 |
| Net operating income to assets | 0.1635% | 5,775 |
| Return on assets (ROA) | 0.1704% | 5,923 |
| Pretax return on assets | 0.2063% | 5,922 |
| Return on Equity (ROE) | 1.6483% | 5,898 |
| Retained earnings to average equity (ytd only) | 1.6483% | 4,921 |
| Net charge-offs to loans | 0.1036% | 4,141 |
| Credit loss provision to net charge-offs | 267.5676% | 1,776 |
| Earnings coverage of net charge-offs (x) | 4.9122% | 2,792 |
| Efficiency ratio | 84.5634% | 2,246 |
| Assets per employee ($millions) | 4.2405% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,691 |
| Loan loss allowance to noncurrent loans | 58.2056% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.1270% | 2,710 |
| Noncurrent loans to loans | 2.0889% | 3,136 |
| Net loans and leases to total assets | 81.7128% | 1,058 |
| Net loans and leases to deposits | 100.1302% | 1,391 |
| Net loans and leases to core deposits | 136.2780% | 1,286 |
| Total domestic deposits to total assets | 81.6065% | 4,712 |
| Equity capital to assets | 10.0938% | 3,886 |
| Core capital (leverage) ratio | 8.3325% | 5,841 |
| Tier 1 risk-based capital ratio | 9.5945% | 7,347 |
| Total risk-based capital ratio | 10.8298% | 7,290 |
| Memoranda: | ||
| Average total assets | $668,845,000 | 1,058 |
| Average earning assets | $624,224,500 | 1,031 |
| Average equity | $69,160,500 | 972 |
| Average total loans | $571,614,500 | 871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3315% | 3,777 |
| Cost of funding earning assets | 3.1679% | 1,292 |
| Net interest margin | 3.1636% | 6,484 |
| Noninterest income to average assets | 0.4817% | 4,785 |
| Noninterest expense to average assets | 2.9903% | 4,109 |
| Loan and lease loss provision to assets | 0.2699% | 4,237 |
| Net operating income to assets | 0.0518% | 6,223 |
| Return on assets (ROA) | 0.0518% | 6,081 |
| Pretax return on assets | 0.1350% | 5,866 |
| Return on Equity (ROE) | 0.4697% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.4697% | 4,959 |
| Net charge-offs to loans | 0.0190% | 6,597 |
| Credit loss provision to net charge-offs | 1,652.0408% | 262 |
| Earnings coverage of net charge-offs (x) | 24.7857% | 1,363 |
| Efficiency ratio | 86.6487% | 1,791 |
| Assets per employee ($millions) | 4.0168% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,858 |
| Loan loss allowance to noncurrent loans | 109.6626% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 3,548 |
| Noncurrent loans to loans | 1.0566% | 4,461 |
| Net loans and leases to total assets | 87.3364% | 431 |
| Net loans and leases to deposits | 108.6220% | 929 |
| Net loans and leases to core deposits | 140.1355% | 1,261 |
| Total domestic deposits to total assets | 80.4040% | 4,869 |
| Equity capital to assets | 10.6005% | 3,387 |
| Core capital (leverage) ratio | 8.1991% | 6,166 |
| Tier 1 risk-based capital ratio | 9.4688% | 7,347 |
| Total risk-based capital ratio | 10.6495% | 7,334 |
| Memoranda: | ||
| Average total assets | $599,811,400 | 1,127 |
| Average earning assets | $552,414,800 | 1,114 |
| Average equity | $66,206,800 | 1,008 |
| Average total loans | $514,603,200 | 929 |