Home > SouthEast Bank > Performance and Condition Ratios
SouthEast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5719% | 325 |
| Cost of funding earning assets | 2.3975% | 463 |
| Net interest margin | 4.1744% | 973 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.4503% | 2,444 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.1581% | 1,758 |
| Return on assets (ROA) | 1.1581% | 1,735 |
| Pretax return on assets | 1.4951% | 1,436 |
| Return on Equity (ROE) | 13.1400% | 1,691 |
| Retained earnings to average equity (ytd only) | 13.1367% | 487 |
| Net charge-offs to loans | 0.1503% | 686 |
| Credit loss provision to net charge-offs | 166.7372% | 1,369 |
| Earnings coverage of net charge-offs (x) | 13.0777% | 2,122 |
| Efficiency ratio | 59.2461% | 3,162 |
| Assets per employee ($millions) | 10.8611% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 3,996 |
| Loan loss allowance to noncurrent loans | 23.7659% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.8228% | 80 |
| Noncurrent loans to loans | 3.3175% | 126 |
| Net loans and leases to total assets | 84.4200% | 245 |
| Net loans and leases to deposits | 93.5370% | 973 |
| Net loans and leases to core deposits | 137.3235% | 297 |
| Total domestic deposits to total assets | 90.2500% | 697 |
| Equity capital to assets | 8.1733% | 3,295 |
| Core capital (leverage) ratio | 9.1413% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4815% | 2,073 |
| Memoranda: | ||
| Average total assets | $2,568,799,400 | 453 |
| Average earning assets | $2,411,391,000 | 439 |
| Average equity | $226,450,400 | 483 |
| Average total loans | $2,200,099,400 | 376 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5320% | 297 |
| Cost of funding earning assets | 2.2628% | 442 |
| Net interest margin | 4.2693% | 839 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.4255% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3939% | 1,334 |
| Return on assets (ROA) | 1.3939% | 1,319 |
| Pretax return on assets | 1.8267% | 971 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 15.4817% | 509 |
| Net charge-offs to loans | 0.0583% | 1,086 |
| Credit loss provision to net charge-offs | 59.6567% | 1,860 |
| Earnings coverage of net charge-offs (x) | 36.5043% | 1,495 |
| Efficiency ratio | 57.0141% | 3,311 |
| Assets per employee ($millions) | 9.4379% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 3,953 |
| Loan loss allowance to noncurrent loans | 22.8578% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 3.0209% | 68 |
| Noncurrent loans to loans | 3.5660% | 100 |
| Net loans and leases to total assets | 84.0200% | 279 |
| Net loans and leases to deposits | 94.7292% | 841 |
| Net loans and leases to core deposits | 119.2664% | 570 |
| Total domestic deposits to total assets | 88.7000% | 1,344 |
| Equity capital to assets | 9.5402% | 2,074 |
| Core capital (leverage) ratio | 9.3736% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3024% | 1,791 |
| Memoranda: | ||
| Average total assets | $2,483,308,500 | 469 |
| Average earning assets | $2,329,775,500 | 456 |
| Average equity | $223,587,000 | 489 |
| Average total loans | $2,130,959,750 | 385 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3649% | 295 |
| Cost of funding earning assets | 2.1132% | 403 |
| Net interest margin | 4.2516% | 859 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3911% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4202% | 1,280 |
| Return on assets (ROA) | 1.4202% | 1,262 |
| Pretax return on assets | 1.8627% | 912 |
| Return on Equity (ROE) | 16.0900% | 1,252 |
| Retained earnings to average equity (ytd only) | 16.0886% | 466 |
| Net charge-offs to loans | 0.0331% | 1,234 |
| Credit loss provision to net charge-offs | 89.0449% | 1,507 |
| Earnings coverage of net charge-offs (x) | 65.2247% | 1,150 |
| Efficiency ratio | 56.1838% | 3,397 |
| Assets per employee ($millions) | 9.8400% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 4,029 |
| Loan loss allowance to noncurrent loans | 23.2162% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.8653% | 80 |
| Noncurrent loans to loans | 3.4400% | 114 |
| Net loans and leases to total assets | 82.6300% | 362 |
| Net loans and leases to deposits | 91.9746% | 1,024 |
| Net loans and leases to core deposits | 120.6336% | 497 |
| Total domestic deposits to total assets | 89.8400% | 969 |
| Equity capital to assets | 8.6943% | 2,721 |
| Core capital (leverage) ratio | 8.6619% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8717% | 1,948 |
| Memoranda: | ||
| Average total assets | $2,493,126,333 | 453 |
| Average earning assets | $2,342,669,000 | 443 |
| Average equity | $220,081,667 | 485 |
| Average total loans | $2,148,372,333 | 369 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1076% | 273 |
| Cost of funding earning assets | 1.8104% | 441 |
| Net interest margin | 4.2972% | 809 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.5336% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3256% | 1,602 |
| Return on assets (ROA) | 1.3256% | 1,571 |
| Pretax return on assets | 1.7352% | 1,205 |
| Return on Equity (ROE) | 14.9000% | 1,570 |
| Retained earnings to average equity (ytd only) | 14.8973% | 814 |
| Net charge-offs to loans | 0.0207% | 1,261 |
| Credit loss provision to net charge-offs | 551.3514% | 526 |
| Earnings coverage of net charge-offs (x) | 95.3874% | 810 |
| Efficiency ratio | 59.3251% | 3,042 |
| Assets per employee ($millions) | 9.6913% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8189% | 4,054 |
| Loan loss allowance to noncurrent loans | 21.4605% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 3.2213% | 44 |
| Noncurrent loans to loans | 3.8158% | 99 |
| Net loans and leases to total assets | 83.7300% | 253 |
| Net loans and leases to deposits | 92.7659% | 867 |
| Net loans and leases to core deposits | 124.7573% | 351 |
| Total domestic deposits to total assets | 90.2600% | 1,066 |
| Equity capital to assets | 8.3888% | 2,977 |
| Core capital (leverage) ratio | 8.8747% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7121% | 2,086 |
| Memoranda: | ||
| Average total assets | $2,440,805,000 | 476 |
| Average earning assets | $2,294,242,500 | 460 |
| Average equity | $217,193,500 | 500 |
| Average total loans | $2,140,640,500 | 380 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 657 |
| Cost of funding earning assets | 0.6898% | 607 |
| Net interest margin | 3.8618% | 1,047 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.5067% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1135% | 2,113 |
| Return on assets (ROA) | 1.1135% | 2,050 |
| Pretax return on assets | 1.4299% | 1,688 |
| Return on Equity (ROE) | 12.5800% | 1,941 |
| Retained earnings to average equity (ytd only) | 12.5780% | 575 |
| Net charge-offs to loans | 0.0482% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.3768% | 1,625 |
| Efficiency ratio | 63.6460% | 2,547 |
| Assets per employee ($millions) | 9.1057% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3063% | 4,545 |
| Loan loss allowance to noncurrent loans | 7.5109% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 3.7265% | 28 |
| Noncurrent loans to loans | 4.0783% | 88 |
| Net loans and leases to total assets | 91.0900% | 23 |
| Net loans and leases to deposits | 101.9774% | 366 |
| Net loans and leases to core deposits | 124.2371% | 300 |
| Total domestic deposits to total assets | 89.3300% | 1,624 |
| Equity capital to assets | 9.4687% | 2,035 |
| Core capital (leverage) ratio | 9.3541% | 3,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4743% | 2,177 |
| Memoranda: | ||
| Average total assets | $2,310,921,800 | 489 |
| Average earning assets | $2,166,829,600 | 475 |
| Average equity | $204,586,600 | 517 |
| Average total loans | $2,054,851,400 | 371 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 869 |
| Cost of funding earning assets | 0.5028% | 746 |
| Net interest margin | 3.7086% | 1,117 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4238% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0700% | 2,208 |
| Return on assets (ROA) | 1.0700% | 2,169 |
| Pretax return on assets | 1.3855% | 1,759 |
| Return on Equity (ROE) | 12.3000% | 1,941 |
| Retained earnings to average equity (ytd only) | 12.2993% | 729 |
| Net charge-offs to loans | 0.0238% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 65.8438% | 1,127 |
| Efficiency ratio | 63.5950% | 2,609 |
| Assets per employee ($millions) | 9.2316% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3334% | 4,569 |
| Loan loss allowance to noncurrent loans | 6.4332% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 4.6889% | 19 |
| Noncurrent loans to loans | 5.1829% | 55 |
| Net loans and leases to total assets | 90.1700% | 26 |
| Net loans and leases to deposits | 100.1739% | 358 |
| Net loans and leases to core deposits | 122.5985% | 218 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 8.9969% | 2,220 |
| Core capital (leverage) ratio | 9.0856% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5598% | 2,236 |
| Memoranda: | ||
| Average total assets | $2,312,718,250 | 488 |
| Average earning assets | $2,167,222,000 | 472 |
| Average equity | $201,199,500 | 529 |
| Average total loans | $2,042,308,500 | 370 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 1,134 |
| Cost of funding earning assets | 0.4191% | 811 |
| Net interest margin | 3.4672% | 1,402 |
| Noninterest income to average assets | 0.3507% | 3,053 |
| Noninterest expense to average assets | 2.3147% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9952% | 2,177 |
| Return on assets (ROA) | 0.9952% | 2,149 |
| Pretax return on assets | 1.2837% | 1,800 |
| Return on Equity (ROE) | 11.5739% | 1,805 |
| Retained earnings to average equity (ytd only) | 11.5739% | 685 |
| Net charge-offs to loans | 0.0531% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 27.6168% | 1,425 |
| Efficiency ratio | 64.2924% | 2,740 |
| Assets per employee ($millions) | 9.2299% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3369% | 4,643 |
| Loan loss allowance to noncurrent loans | 6.3680% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 4.7549% | 17 |
| Noncurrent loans to loans | 5.2908% | 54 |
| Net loans and leases to total assets | 89.5692% | 26 |
| Net loans and leases to deposits | 99.5100% | 293 |
| Net loans and leases to core deposits | 119.0705% | 207 |
| Total domestic deposits to total assets | 90.0102% | 1,702 |
| Equity capital to assets | 8.9420% | 2,419 |
| Core capital (leverage) ratio | 8.6102% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3776% | 1,909 |
| Memoranda: | ||
| Average total assets | $2,302,013,000 | 483 |
| Average earning assets | $2,156,202,333 | 478 |
| Average equity | $197,945,333 | 535 |
| Average total loans | $2,015,966,667 | 367 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 1,547 |
| Cost of funding earning assets | 0.3974% | 886 |
| Net interest margin | 3.1875% | 1,921 |
| Noninterest income to average assets | 0.4086% | 2,630 |
| Noninterest expense to average assets | 2.2482% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8949% | 2,287 |
| Return on assets (ROA) | 0.8949% | 2,289 |
| Pretax return on assets | 1.1470% | 1,995 |
| Return on Equity (ROE) | 10.6160% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.6160% | 865 |
| Net charge-offs to loans | 0.0950% | 542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.9642% | 1,380 |
| Efficiency ratio | 66.1811% | 2,746 |
| Assets per employee ($millions) | 9.9645% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3243% | 4,675 |
| Loan loss allowance to noncurrent loans | 6.3197% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 4.5503% | 25 |
| Noncurrent loans to loans | 5.1309% | 67 |
| Net loans and leases to total assets | 88.3976% | 23 |
| Net loans and leases to deposits | 97.6690% | 242 |
| Net loans and leases to core deposits | 117.0483% | 168 |
| Total domestic deposits to total assets | 90.5074% | 1,294 |
| Equity capital to assets | 8.1597% | 3,442 |
| Core capital (leverage) ratio | 8.6116% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2896% | 2,487 |
| Memoranda: | ||
| Average total assets | $2,313,129,500 | 482 |
| Average earning assets | $2,167,328,000 | 475 |
| Average equity | $194,989,500 | 563 |
| Average total loans | $1,999,508,000 | 365 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 1,848 |
| Cost of funding earning assets | 0.4942% | 960 |
| Net interest margin | 3.3125% | 2,278 |
| Noninterest income to average assets | 0.3866% | 3,127 |
| Noninterest expense to average assets | 2.3178% | 2,743 |
| Loan and lease loss provision to assets | 0.0555% | 1,942 |
| Net operating income to assets | 0.8707% | 3,137 |
| Return on assets (ROA) | 0.8707% | 3,199 |
| Pretax return on assets | 1.1319% | 2,878 |
| Return on Equity (ROE) | 10.1813% | 2,464 |
| Retained earnings to average equity (ytd only) | 10.1813% | 872 |
| Net charge-offs to loans | 0.0268% | 1,704 |
| Credit loss provision to net charge-offs | 237.6238% | 1,203 |
| Earnings coverage of net charge-offs (x) | 50.8119% | 1,288 |
| Efficiency ratio | 66.0862% | 2,248 |
| Assets per employee ($millions) | 8.9364% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 4,685 |
| Loan loss allowance to noncurrent loans | 10.6704% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 3.1709% | 65 |
| Noncurrent loans to loans | 3.7173% | 124 |
| Net loans and leases to total assets | 84.9622% | 82 |
| Net loans and leases to deposits | 94.2450% | 376 |
| Net loans and leases to core deposits | 106.6966% | 356 |
| Total domestic deposits to total assets | 90.1504% | 886 |
| Equity capital to assets | 8.8222% | 3,788 |
| Core capital (leverage) ratio | 8.7324% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7263% | 2,352 |
| Memoranda: | ||
| Average total assets | $2,161,036,400 | 491 |
| Average earning assets | $2,034,514,600 | 482 |
| Average equity | $184,810,200 | 590 |
| Average total loans | $1,882,370,400 | 381 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 1,938 |
| Cost of funding earning assets | 0.5174% | 965 |
| Net interest margin | 3.3201% | 2,357 |
| Noninterest income to average assets | 0.3685% | 3,255 |
| Noninterest expense to average assets | 2.2362% | 2,943 |
| Loan and lease loss provision to assets | 0.0744% | 1,558 |
| Net operating income to assets | 0.9117% | 3,211 |
| Return on assets (ROA) | 0.9117% | 3,280 |
| Pretax return on assets | 1.1814% | 2,987 |
| Return on Equity (ROE) | 10.7474% | 2,462 |
| Retained earnings to average equity (ytd only) | 10.7474% | 1,112 |
| Net charge-offs to loans | 0.0549% | 1,105 |
| Credit loss provision to net charge-offs | 154.6392% | 1,341 |
| Earnings coverage of net charge-offs (x) | 26.1160% | 1,601 |
| Efficiency ratio | 63.9990% | 2,386 |
| Assets per employee ($millions) | 9.0167% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3754% | 4,780 |
| Loan loss allowance to noncurrent loans | 11.9057% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.7818% | 103 |
| Noncurrent loans to loans | 3.1530% | 197 |
| Net loans and leases to total assets | 87.8941% | 37 |
| Net loans and leases to deposits | 97.4745% | 293 |
| Net loans and leases to core deposits | 113.7117% | 259 |
| Total domestic deposits to total assets | 90.1714% | 695 |
| Equity capital to assets | 8.7726% | 4,022 |
| Core capital (leverage) ratio | 8.7378% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1119% | 2,673 |
| Memoranda: | ||
| Average total assets | $2,151,709,000 | 493 |
| Average earning assets | $2,024,260,000 | 489 |
| Average equity | $182,527,000 | 601 |
| Average total loans | $1,884,162,500 | 385 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 1,917 |
| Cost of funding earning assets | 0.5367% | 1,007 |
| Net interest margin | 3.3242% | 2,365 |
| Noninterest income to average assets | 0.3570% | 3,326 |
| Noninterest expense to average assets | 2.1816% | 3,150 |
| Loan and lease loss provision to assets | 0.1118% | 1,135 |
| Net operating income to assets | 0.9189% | 3,166 |
| Return on assets (ROA) | 0.9189% | 3,241 |
| Pretax return on assets | 1.1893% | 2,942 |
| Return on Equity (ROE) | 10.9579% | 2,436 |
| Retained earnings to average equity (ytd only) | 10.9579% | 1,135 |
| Net charge-offs to loans | 0.0129% | 1,695 |
| Credit loss provision to net charge-offs | 991.7355% | 480 |
| Earnings coverage of net charge-offs (x) | 115.4628% | 684 |
| Efficiency ratio | 62.6040% | 2,647 |
| Assets per employee ($millions) | 8.9320% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4154% | 4,785 |
| Loan loss allowance to noncurrent loans | 9.8771% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 3.6066% | 67 |
| Noncurrent loans to loans | 4.2053% | 122 |
| Net loans and leases to total assets | 85.3496% | 98 |
| Net loans and leases to deposits | 95.2501% | 410 |
| Net loans and leases to core deposits | 116.7100% | 256 |
| Total domestic deposits to total assets | 89.6057% | 976 |
| Equity capital to assets | 8.4192% | 4,262 |
| Core capital (leverage) ratio | 8.6998% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0372% | 2,706 |
| Memoranda: | ||
| Average total assets | $2,147,607,333 | 492 |
| Average earning assets | $2,019,339,000 | 485 |
| Average equity | $180,089,333 | 603 |
| Average total loans | $1,875,814,000 | 384 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 1,719 |
| Cost of funding earning assets | 0.5589% | 1,056 |
| Net interest margin | 3.3850% | 2,152 |
| Noninterest income to average assets | 0.3087% | 3,562 |
| Noninterest expense to average assets | 2.1481% | 3,280 |
| Loan and lease loss provision to assets | 0.1131% | 1,223 |
| Net operating income to assets | 0.9459% | 2,980 |
| Return on assets (ROA) | 0.9459% | 3,071 |
| Pretax return on assets | 1.2293% | 2,763 |
| Return on Equity (ROE) | 11.3040% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.3040% | 1,319 |
| Net charge-offs to loans | 0.0425% | 1,044 |
| Credit loss provision to net charge-offs | 301.5075% | 751 |
| Earnings coverage of net charge-offs (x) | 35.7990% | 1,018 |
| Efficiency ratio | 61.5040% | 2,841 |
| Assets per employee ($millions) | 9.2298% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3794% | 4,839 |
| Loan loss allowance to noncurrent loans | 8.1386% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 4.0863% | 53 |
| Noncurrent loans to loans | 4.6615% | 93 |
| Net loans and leases to total assets | 87.2302% | 62 |
| Net loans and leases to deposits | 97.7053% | 354 |
| Net loans and leases to core deposits | 121.3980% | 228 |
| Total domestic deposits to total assets | 89.2788% | 1,183 |
| Equity capital to assets | 8.3768% | 4,216 |
| Core capital (leverage) ratio | 8.6619% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8167% | 2,734 |
| Memoranda: | ||
| Average total assets | $2,122,770,000 | 493 |
| Average earning assets | $1,995,393,500 | 484 |
| Average equity | $177,637,000 | 605 |
| Average total loans | $1,872,124,500 | 383 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,378 |
| Cost of funding earning assets | 1.0693% | 458 |
| Net interest margin | 3.4041% | 2,764 |
| Noninterest income to average assets | 0.5565% | 2,390 |
| Noninterest expense to average assets | 2.3059% | 3,386 |
| Loan and lease loss provision to assets | 0.3496% | 990 |
| Net operating income to assets | 0.8473% | 2,910 |
| Return on assets (ROA) | 0.8473% | 3,045 |
| Pretax return on assets | 1.0980% | 2,699 |
| Return on Equity (ROE) | 9.7669% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.7669% | 632 |
| Net charge-offs to loans | 0.3434% | 508 |
| Credit loss provision to net charge-offs | 113.6364% | 2,697 |
| Earnings coverage of net charge-offs (x) | 4.7049% | 2,952 |
| Efficiency ratio | 61.3933% | 3,245 |
| Assets per employee ($millions) | 8.9144% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3623% | 4,875 |
| Loan loss allowance to noncurrent loans | 7.7307% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 4.1658% | 58 |
| Noncurrent loans to loans | 4.6865% | 103 |
| Net loans and leases to total assets | 88.5220% | 39 |
| Net loans and leases to deposits | 99.2923% | 405 |
| Net loans and leases to core deposits | 126.1988% | 237 |
| Total domestic deposits to total assets | 89.1530% | 918 |
| Equity capital to assets | 8.3617% | 4,547 |
| Core capital (leverage) ratio | 8.5808% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9467% | 2,648 |
| Memoranda: | ||
| Average total assets | $1,916,284,400 | 493 |
| Average earning assets | $1,799,666,600 | 488 |
| Average equity | $166,234,800 | 616 |
| Average total loans | $1,717,094,000 | 391 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,289 |
| Cost of funding earning assets | 1.2096% | 357 |
| Net interest margin | 3.3953% | 2,940 |
| Noninterest income to average assets | 0.5801% | 2,254 |
| Noninterest expense to average assets | 2.3570% | 3,264 |
| Loan and lease loss provision to assets | 0.4345% | 759 |
| Net operating income to assets | 0.7643% | 3,231 |
| Return on assets (ROA) | 0.7643% | 3,348 |
| Pretax return on assets | 0.9765% | 3,144 |
| Return on Equity (ROE) | 8.7225% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.7225% | 1,067 |
| Net charge-offs to loans | 0.0596% | 1,754 |
| Credit loss provision to net charge-offs | 812.2503% | 969 |
| Earnings coverage of net charge-offs (x) | 26.3755% | 1,695 |
| Efficiency ratio | 62.5106% | 2,991 |
| Assets per employee ($millions) | 8.6284% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 4,700 |
| Loan loss allowance to noncurrent loans | 16.0528% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 3.5023% | 110 |
| Noncurrent loans to loans | 3.8577% | 172 |
| Net loans and leases to total assets | 90.1073% | 37 |
| Net loans and leases to deposits | 101.4832% | 471 |
| Net loans and leases to core deposits | 128.3398% | 265 |
| Total domestic deposits to total assets | 88.7903% | 865 |
| Equity capital to assets | 8.4391% | 4,494 |
| Core capital (leverage) ratio | 8.9023% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4162% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,871,632,750 | 496 |
| Average earning assets | $1,757,388,250 | 488 |
| Average equity | $164,001,250 | 616 |
| Average total loans | $1,681,071,750 | 398 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 1,032 |
| Cost of funding earning assets | 1.3713% | 251 |
| Net interest margin | 3.4931% | 2,808 |
| Noninterest income to average assets | 0.6754% | 1,830 |
| Noninterest expense to average assets | 2.4062% | 3,248 |
| Loan and lease loss provision to assets | 0.6026% | 526 |
| Net operating income to assets | 0.7355% | 3,260 |
| Return on assets (ROA) | 0.7355% | 3,378 |
| Pretax return on assets | 0.9499% | 3,178 |
| Return on Equity (ROE) | 8.2818% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.2818% | 1,229 |
| Net charge-offs to loans | 0.0466% | 1,819 |
| Credit loss provision to net charge-offs | 1,443.5696% | 616 |
| Earnings coverage of net charge-offs (x) | 37.1916% | 1,297 |
| Efficiency ratio | 60.7429% | 3,314 |
| Assets per employee ($millions) | 7.7978% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,608 |
| Loan loss allowance to noncurrent loans | 20.0960% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.9575% | 161 |
| Noncurrent loans to loans | 3.3795% | 248 |
| Net loans and leases to total assets | 86.7720% | 103 |
| Net loans and leases to deposits | 98.2943% | 637 |
| Net loans and leases to core deposits | 121.6006% | 386 |
| Total domestic deposits to total assets | 88.2778% | 1,048 |
| Equity capital to assets | 8.8881% | 4,179 |
| Core capital (leverage) ratio | 8.5729% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4719% | 2,011 |
| Memoranda: | ||
| Average total assets | $1,825,371,667 | 503 |
| Average earning assets | $1,715,763,667 | 495 |
| Average equity | $162,114,333 | 621 |
| Average total loans | $1,633,822,667 | 403 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 929 |
| Cost of funding earning assets | 1.4820% | 292 |
| Net interest margin | 3.5371% | 2,860 |
| Noninterest income to average assets | 0.4854% | 2,630 |
| Noninterest expense to average assets | 2.4779% | 3,340 |
| Loan and lease loss provision to assets | 0.5315% | 550 |
| Net operating income to assets | 0.6269% | 3,527 |
| Return on assets (ROA) | 0.6269% | 3,583 |
| Pretax return on assets | 0.8063% | 3,395 |
| Return on Equity (ROE) | 7.0621% | 2,917 |
| Retained earnings to average equity (ytd only) | 7.0621% | 1,514 |
| Net charge-offs to loans | 0.0569% | 1,438 |
| Credit loss provision to net charge-offs | 1,030.0429% | 561 |
| Earnings coverage of net charge-offs (x) | 25.9270% | 1,270 |
| Efficiency ratio | 64.8984% | 3,102 |
| Assets per employee ($millions) | 7.8855% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4807% | 4,889 |
| Loan loss allowance to noncurrent loans | 15.8904% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.7461% | 234 |
| Noncurrent loans to loans | 3.0251% | 355 |
| Net loans and leases to total assets | 90.1780% | 31 |
| Net loans and leases to deposits | 100.0688% | 557 |
| Net loans and leases to core deposits | 134.7156% | 216 |
| Total domestic deposits to total assets | 90.1160% | 286 |
| Equity capital to assets | 8.6924% | 4,743 |
| Core capital (leverage) ratio | 8.8296% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7085% | 2,839 |
| Memoranda: | ||
| Average total assets | $1,806,217,500 | 490 |
| Average earning assets | $1,700,624,500 | 477 |
| Average equity | $160,348,500 | 618 |
| Average total loans | $1,636,629,000 | 395 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 722 |
| Cost of funding earning assets | 1.5811% | 319 |
| Net interest margin | 3.7820% | 2,566 |
| Noninterest income to average assets | 0.8561% | 1,284 |
| Noninterest expense to average assets | 2.5808% | 3,234 |
| Loan and lease loss provision to assets | 0.1480% | 1,445 |
| Net operating income to assets | 1.2761% | 1,786 |
| Return on assets (ROA) | 1.2761% | 1,861 |
| Pretax return on assets | 1.6966% | 1,197 |
| Return on Equity (ROE) | 14.2304% | 854 |
| Retained earnings to average equity (ytd only) | 14.2304% | 115 |
| Net charge-offs to loans | 0.1153% | 1,584 |
| Credit loss provision to net charge-offs | 143.4549% | 1,794 |
| Earnings coverage of net charge-offs (x) | 17.8781% | 2,085 |
| Efficiency ratio | 57.5846% | 4,023 |
| Assets per employee ($millions) | 7.3901% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3742% | 5,000 |
| Loan loss allowance to noncurrent loans | 10.6327% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 3.2174% | 160 |
| Noncurrent loans to loans | 3.5197% | 234 |
| Net loans and leases to total assets | 90.2689% | 45 |
| Net loans and leases to deposits | 100.6197% | 559 |
| Net loans and leases to core deposits | 133.7216% | 233 |
| Total domestic deposits to total assets | 89.7129% | 419 |
| Equity capital to assets | 9.0712% | 4,647 |
| Core capital (leverage) ratio | 9.3627% | 4,211 |
| Tier 1 risk-based capital ratio | 12.9493% | 3,816 |
| Total risk-based capital ratio | 13.4345% | 4,142 |
| Memoranda: | ||
| Average total assets | $1,621,446,000 | 524 |
| Average earning assets | $1,530,257,000 | 503 |
| Average equity | $145,407,400 | 646 |
| Average total loans | $1,450,901,200 | 418 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 656 |
| Cost of funding earning assets | 1.5972% | 305 |
| Net interest margin | 3.8361% | 2,485 |
| Noninterest income to average assets | 0.7319% | 1,657 |
| Noninterest expense to average assets | 2.6763% | 2,926 |
| Loan and lease loss provision to assets | 0.1510% | 1,252 |
| Net operating income to assets | 1.1876% | 2,239 |
| Return on assets (ROA) | 1.1876% | 2,316 |
| Pretax return on assets | 1.5279% | 1,879 |
| Return on Equity (ROE) | 13.2851% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.2851% | 257 |
| Net charge-offs to loans | 0.0758% | 1,738 |
| Credit loss provision to net charge-offs | 223.3251% | 1,204 |
| Earnings coverage of net charge-offs (x) | 24.8251% | 1,783 |
| Efficiency ratio | 60.6369% | 3,521 |
| Assets per employee ($millions) | 7.1539% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 5,064 |
| Loan loss allowance to noncurrent loans | 11.2999% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 3.2441% | 159 |
| Noncurrent loans to loans | 3.5334% | 224 |
| Net loans and leases to total assets | 90.5474% | 38 |
| Net loans and leases to deposits | 100.9183% | 573 |
| Net loans and leases to core deposits | 136.8483% | 216 |
| Total domestic deposits to total assets | 89.7235% | 365 |
| Equity capital to assets | 8.9098% | 4,823 |
| Core capital (leverage) ratio | 8.6537% | 4,860 |
| Tier 1 risk-based capital ratio | 12.6593% | 4,051 |
| Total risk-based capital ratio | 13.1766% | 4,341 |
| Memoranda: | ||
| Average total assets | $1,588,941,750 | 533 |
| Average earning assets | $1,500,852,500 | 515 |
| Average equity | $142,039,750 | 652 |
| Average total loans | $1,416,885,250 | 426 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 752 |
| Cost of funding earning assets | 1.5056% | 377 |
| Net interest margin | 3.8308% | 2,477 |
| Noninterest income to average assets | 0.9185% | 1,042 |
| Noninterest expense to average assets | 3.0994% | 1,731 |
| Loan and lease loss provision to assets | 0.1550% | 1,175 |
| Net operating income to assets | 1.0060% | 2,902 |
| Return on assets (ROA) | 1.0060% | 2,969 |
| Pretax return on assets | 1.2817% | 2,629 |
| Return on Equity (ROE) | 11.2404% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.2404% | 518 |
| Net charge-offs to loans | 0.0118% | 2,716 |
| Credit loss provision to net charge-offs | 1,481.4815% | 250 |
| Earnings coverage of net charge-offs (x) | 137.3457% | 534 |
| Efficiency ratio | 67.5246% | 2,608 |
| Assets per employee ($millions) | 7.1338% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4048% | 5,103 |
| Loan loss allowance to noncurrent loans | 11.3242% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.2318% | 167 |
| Noncurrent loans to loans | 3.5746% | 228 |
| Net loans and leases to total assets | 89.1222% | 78 |
| Net loans and leases to deposits | 98.5938% | 789 |
| Net loans and leases to core deposits | 144.9056% | 156 |
| Total domestic deposits to total assets | 90.3933% | 215 |
| Equity capital to assets | 8.3520% | 5,095 |
| Core capital (leverage) ratio | 8.4756% | 4,970 |
| Tier 1 risk-based capital ratio | 12.5662% | 4,092 |
| Total risk-based capital ratio | 13.1135% | 4,375 |
| Memoranda: | ||
| Average total assets | $1,548,665,330 | 542 |
| Average earning assets | $1,462,504,000 | 527 |
| Average equity | $138,607,000 | 661 |
| Average total loans | $1,371,060,330 | 436 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 1,152 |
| Cost of funding earning assets | 1.2912% | 675 |
| Net interest margin | 3.7835% | 2,592 |
| Noninterest income to average assets | 1.1348% | 628 |
| Noninterest expense to average assets | 3.3273% | 1,233 |
| Loan and lease loss provision to assets | 0.1656% | 1,017 |
| Net operating income to assets | 0.9589% | 3,008 |
| Return on assets (ROA) | 0.9589% | 3,051 |
| Pretax return on assets | 1.2179% | 2,739 |
| Return on Equity (ROE) | 10.2992% | 2,240 |
| Retained earnings to average equity (ytd only) | 10.2992% | 966 |
| Net charge-offs to loans | 0.0019% | 2,697 |
| Credit loss provision to net charge-offs | 10,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 835.3333% | 75 |
| Efficiency ratio | 69.8055% | 2,378 |
| Assets per employee ($millions) | 6.8916% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4013% | 5,174 |
| Loan loss allowance to noncurrent loans | 7.8309% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 4.5151% | 83 |
| Noncurrent loans to loans | 5.1244% | 104 |
| Net loans and leases to total assets | 87.1100% | 144 |
| Net loans and leases to deposits | 96.2215% | 941 |
| Net loans and leases to core deposits | 137.3349% | 217 |
| Total domestic deposits to total assets | 90.5307% | 276 |
| Equity capital to assets | 8.2625% | 5,098 |
| Core capital (leverage) ratio | 9.8940% | 3,722 |
| Tier 1 risk-based capital ratio | 12.5442% | 4,141 |
| Total risk-based capital ratio | 13.0801% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,449,101,500 | 569 |
| Average earning assets | $1,369,624,000 | 556 |
| Average equity | $134,922,500 | 676 |
| Average total loans | $1,274,589,500 | 470 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0935% | 857 |
| Cost of funding earning assets | 1.1770% | 368 |
| Net interest margin | 3.9165% | 2,277 |
| Noninterest income to average assets | 0.6152% | 2,217 |
| Noninterest expense to average assets | 3.0068% | 2,030 |
| Loan and lease loss provision to assets | 0.1078% | 2,043 |
| Net operating income to assets | 0.9546% | 3,201 |
| Return on assets (ROA) | 0.9546% | 3,204 |
| Pretax return on assets | 1.1996% | 2,880 |
| Return on Equity (ROE) | 10.4591% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.4591% | 533 |
| Net charge-offs to loans | 0.0808% | 1,983 |
| Credit loss provision to net charge-offs | 150.6024% | 1,825 |
| Earnings coverage of net charge-offs (x) | 18.2651% | 2,144 |
| Efficiency ratio | 68.7262% | 2,426 |
| Assets per employee ($millions) | 5.5054% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 5,151 |
| Loan loss allowance to noncurrent loans | 5.4413% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 7.7534% | 29 |
| Noncurrent loans to loans | 8.6873% | 37 |
| Net loans and leases to total assets | 88.1980% | 109 |
| Net loans and leases to deposits | 99.4638% | 783 |
| Net loans and leases to core deposits | 108.2808% | 1,103 |
| Total domestic deposits to total assets | 88.6735% | 991 |
| Equity capital to assets | 10.7042% | 2,980 |
| Core capital (leverage) ratio | 10.1192% | 3,434 |
| Tier 1 risk-based capital ratio | 14.1874% | 3,209 |
| Total risk-based capital ratio | 14.7464% | 3,456 |
| Memoranda: | ||
| Average total assets | $1,391,470,000 | 572 |
| Average earning assets | $1,314,205,600 | 554 |
| Average equity | $126,999,800 | 679 |
| Average total loans | $1,232,557,400 | 473 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 985 |
| Cost of funding earning assets | 1.1387% | 342 |
| Net interest margin | 3.8333% | 2,513 |
| Noninterest income to average assets | 0.6211% | 2,199 |
| Noninterest expense to average assets | 2.8953% | 2,314 |
| Loan and lease loss provision to assets | 0.0560% | 2,851 |
| Net operating income to assets | 1.0025% | 3,070 |
| Return on assets (ROA) | 1.0025% | 3,086 |
| Pretax return on assets | 1.2903% | 2,662 |
| Return on Equity (ROE) | 11.4132% | 2,009 |
| Retained earnings to average equity (ytd only) | 11.4132% | 570 |
| Net charge-offs to loans | 0.0780% | 1,742 |
| Credit loss provision to net charge-offs | 81.0811% | 2,517 |
| Earnings coverage of net charge-offs (x) | 19.4892% | 2,002 |
| Efficiency ratio | 67.2983% | 2,662 |
| Assets per employee ($millions) | 6.1707% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 5,317 |
| Loan loss allowance to noncurrent loans | 6.4515% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 5.1667% | 81 |
| Noncurrent loans to loans | 5.6849% | 93 |
| Net loans and leases to total assets | 89.7775% | 81 |
| Net loans and leases to deposits | 99.8851% | 794 |
| Net loans and leases to core deposits | 119.4538% | 588 |
| Total domestic deposits to total assets | 89.8808% | 547 |
| Equity capital to assets | 9.4516% | 4,125 |
| Core capital (leverage) ratio | 9.4124% | 4,264 |
| Tier 1 risk-based capital ratio | 15.0112% | 2,879 |
| Total risk-based capital ratio | 15.5403% | 3,136 |
| Memoranda: | ||
| Average total assets | $1,428,281,000 | 561 |
| Average earning assets | $1,349,021,250 | 543 |
| Average equity | $125,453,500 | 683 |
| Average total loans | $1,265,048,000 | 451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 1,183 |
| Cost of funding earning assets | 1.0856% | 310 |
| Net interest margin | 3.7420% | 2,779 |
| Noninterest income to average assets | 0.6639% | 2,033 |
| Noninterest expense to average assets | 2.8232% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0572% | 2,770 |
| Return on assets (ROA) | 1.0572% | 2,767 |
| Pretax return on assets | 1.3774% | 2,233 |
| Return on Equity (ROE) | 12.3355% | 1,607 |
| Retained earnings to average equity (ytd only) | 12.3355% | 472 |
| Net charge-offs to loans | 0.0247% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 63.3248% | 961 |
| Efficiency ratio | 66.2500% | 2,927 |
| Assets per employee ($millions) | 6.0863% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3767% | 5,378 |
| Loan loss allowance to noncurrent loans | 7.3597% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.5237% | 112 |
| Noncurrent loans to loans | 5.1188% | 129 |
| Net loans and leases to total assets | 87.1087% | 193 |
| Net loans and leases to deposits | 96.6007% | 1,088 |
| Net loans and leases to core deposits | 112.9959% | 838 |
| Total domestic deposits to total assets | 90.1740% | 515 |
| Equity capital to assets | 9.2310% | 4,353 |
| Core capital (leverage) ratio | 9.2505% | 4,414 |
| Tier 1 risk-based capital ratio | 15.8335% | 2,495 |
| Total risk-based capital ratio | 16.4039% | 2,721 |
| Memoranda: | ||
| Average total assets | $1,443,632,670 | 556 |
| Average earning assets | $1,364,407,330 | 538 |
| Average equity | $123,724,000 | 695 |
| Average total loans | $1,271,565,330 | 453 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 707 |
| Cost of funding earning assets | 1.0657% | 269 |
| Net interest margin | 3.9285% | 1,935 |
| Noninterest income to average assets | 0.3908% | 3,533 |
| Noninterest expense to average assets | 2.5837% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1809% | 2,089 |
| Return on assets (ROA) | 1.1809% | 2,101 |
| Pretax return on assets | 1.5366% | 1,578 |
| Return on Equity (ROE) | 13.7425% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.7425% | 427 |
| Net charge-offs to loans | 0.0177% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 98.0172% | 621 |
| Efficiency ratio | 61.7554% | 3,832 |
| Assets per employee ($millions) | 6.8653% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3558% | 5,460 |
| Loan loss allowance to noncurrent loans | 7.2458% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 4.4451% | 125 |
| Noncurrent loans to loans | 4.9105% | 158 |
| Net loans and leases to total assets | 88.6375% | 103 |
| Net loans and leases to deposits | 97.9210% | 867 |
| Net loans and leases to core deposits | 149.8459% | 129 |
| Total domestic deposits to total assets | 90.5194% | 468 |
| Equity capital to assets | 8.8044% | 4,737 |
| Core capital (leverage) ratio | 8.7272% | 4,967 |
| Tier 1 risk-based capital ratio | 13.7636% | 3,513 |
| Total risk-based capital ratio | 14.2636% | 3,854 |
| Memoranda: | ||
| Average total assets | $1,479,880,500 | 546 |
| Average earning assets | $1,404,898,000 | 528 |
| Average equity | $127,167,500 | 673 |
| Average total loans | $1,310,362,500 | 445 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 974 |
| Cost of funding earning assets | 0.9270% | 327 |
| Net interest margin | 3.8734% | 2,174 |
| Noninterest income to average assets | 0.4333% | 3,413 |
| Noninterest expense to average assets | 2.7470% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8402% | 2,997 |
| Return on assets (ROA) | 0.8402% | 3,029 |
| Pretax return on assets | 1.3577% | 2,134 |
| Return on Equity (ROE) | 10.0865% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.0865% | 338 |
| Net charge-offs to loans | 0.0190% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 79.6970% | 775 |
| Efficiency ratio | 65.8654% | 3,297 |
| Assets per employee ($millions) | 6.9653% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 5,520 |
| Loan loss allowance to noncurrent loans | 6.1901% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 5.1175% | 89 |
| Noncurrent loans to loans | 5.7889% | 97 |
| Net loans and leases to total assets | 87.8263% | 146 |
| Net loans and leases to deposits | 96.6321% | 1,029 |
| Net loans and leases to core deposits | 153.8064% | 116 |
| Total domestic deposits to total assets | 90.8873% | 272 |
| Equity capital to assets | 8.3848% | 5,199 |
| Core capital (leverage) ratio | 8.4113% | 5,214 |
| Tier 1 risk-based capital ratio | 14.0578% | 3,330 |
| Total risk-based capital ratio | 14.5925% | 3,629 |
| Memoranda: | ||
| Average total assets | $1,355,974,000 | 567 |
| Average earning assets | $1,285,286,200 | 549 |
| Average equity | $112,952,400 | 732 |
| Average total loans | $1,216,701,800 | 454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 973 |
| Cost of funding earning assets | 0.8788% | 395 |
| Net interest margin | 3.8955% | 2,059 |
| Noninterest income to average assets | 0.4436% | 3,377 |
| Noninterest expense to average assets | 2.6441% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9728% | 2,676 |
| Return on assets (ROA) | 0.9728% | 2,729 |
| Pretax return on assets | 1.4873% | 1,813 |
| Return on Equity (ROE) | 11.7001% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.7001% | 319 |
| Net charge-offs to loans | 0.0444% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.1562% | 1,375 |
| Efficiency ratio | 62.9204% | 3,726 |
| Assets per employee ($millions) | 7.0262% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3515% | 5,596 |
| Loan loss allowance to noncurrent loans | 6.1420% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 5.1530% | 97 |
| Noncurrent loans to loans | 5.7233% | 116 |
| Net loans and leases to total assets | 89.3898% | 102 |
| Net loans and leases to deposits | 98.5382% | 864 |
| Net loans and leases to core deposits | 159.6467% | 86 |
| Total domestic deposits to total assets | 90.7159% | 252 |
| Equity capital to assets | 8.5560% | 5,252 |
| Core capital (leverage) ratio | 8.6676% | 5,094 |
| Tier 1 risk-based capital ratio | 14.6626% | 3,092 |
| Total risk-based capital ratio | 15.2088% | 3,387 |
| Memoranda: | ||
| Average total assets | $1,322,321,500 | 584 |
| Average earning assets | $1,251,856,250 | 562 |
| Average equity | $109,944,750 | 750 |
| Average total loans | $1,192,419,000 | 461 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,132 |
| Cost of funding earning assets | 0.8158% | 486 |
| Net interest margin | 3.8467% | 2,108 |
| Noninterest income to average assets | 0.4594% | 3,294 |
| Noninterest expense to average assets | 2.6208% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9483% | 2,672 |
| Return on assets (ROA) | 0.9483% | 2,729 |
| Pretax return on assets | 1.4901% | 1,690 |
| Return on Equity (ROE) | 11.5303% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.5303% | 370 |
| Net charge-offs to loans | 0.0511% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 32.2939% | 1,418 |
| Efficiency ratio | 62.6332% | 3,879 |
| Assets per employee ($millions) | 6.6365% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 5,620 |
| Loan loss allowance to noncurrent loans | 6.9239% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 5.1208% | 96 |
| Noncurrent loans to loans | 5.5241% | 118 |
| Net loans and leases to total assets | 91.1077% | 54 |
| Net loans and leases to deposits | 100.0406% | 733 |
| Net loans and leases to core deposits | 157.5530% | 97 |
| Total domestic deposits to total assets | 91.0707% | 206 |
| Equity capital to assets | 8.1875% | 5,455 |
| Core capital (leverage) ratio | 8.3680% | 5,309 |
| Tier 1 risk-based capital ratio | 15.1778% | 2,850 |
| Total risk-based capital ratio | 15.8349% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,282,970,000 | 601 |
| Average earning assets | $1,217,879,000 | 578 |
| Average equity | $105,513,670 | 781 |
| Average total loans | $1,159,195,000 | 476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 1,218 |
| Cost of funding earning assets | 0.7926% | 509 |
| Net interest margin | 3.7751% | 2,199 |
| Noninterest income to average assets | 0.4416% | 3,365 |
| Noninterest expense to average assets | 2.6894% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8528% | 2,979 |
| Return on assets (ROA) | 0.8528% | 3,022 |
| Pretax return on assets | 1.3363% | 2,113 |
| Return on Equity (ROE) | 10.3450% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.3450% | 738 |
| Net charge-offs to loans | 0.0604% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 24.6316% | 1,351 |
| Efficiency ratio | 65.6395% | 3,554 |
| Assets per employee ($millions) | 6.5704% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4188% | 5,673 |
| Loan loss allowance to noncurrent loans | 7.4858% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 5.0958% | 113 |
| Noncurrent loans to loans | 5.5951% | 130 |
| Net loans and leases to total assets | 89.3962% | 72 |
| Net loans and leases to deposits | 98.4281% | 735 |
| Net loans and leases to core deposits | 166.6569% | 68 |
| Total domestic deposits to total assets | 90.8238% | 353 |
| Equity capital to assets | 8.3022% | 5,354 |
| Core capital (leverage) ratio | 8.2233% | 5,428 |
| Tier 1 risk-based capital ratio | 17.4038% | 2,065 |
| Total risk-based capital ratio | 18.2037% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,260,805,500 | 608 |
| Average earning assets | $1,197,017,000 | 593 |
| Average equity | $103,934,000 | 787 |
| Average total loans | $1,131,835,500 | 482 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,153 |
| Cost of funding earning assets | 0.7331% | 687 |
| Net interest margin | 3.9244% | 1,883 |
| Noninterest income to average assets | 0.4681% | 3,423 |
| Noninterest expense to average assets | 2.8865% | 2,722 |
| Loan and lease loss provision to assets | 0.0291% | 3,773 |
| Net operating income to assets | 0.7765% | 3,421 |
| Return on assets (ROA) | 0.7765% | 3,525 |
| Pretax return on assets | 1.2790% | 2,360 |
| Return on Equity (ROE) | 8.9983% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.9983% | 591 |
| Net charge-offs to loans | 0.0249% | 3,547 |
| Credit loss provision to net charge-offs | 133.3333% | 2,030 |
| Earnings coverage of net charge-offs (x) | 60.0089% | 888 |
| Efficiency ratio | 67.4389% | 3,357 |
| Assets per employee ($millions) | 6.4615% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4389% | 5,709 |
| Loan loss allowance to noncurrent loans | 6.7800% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 5.8627% | 90 |
| Noncurrent loans to loans | 6.4736% | 86 |
| Net loans and leases to total assets | 89.3755% | 83 |
| Net loans and leases to deposits | 98.2313% | 807 |
| Net loans and leases to core deposits | 174.4644% | 54 |
| Total domestic deposits to total assets | 90.9847% | 286 |
| Equity capital to assets | 8.1841% | 5,479 |
| Core capital (leverage) ratio | 8.2737% | 5,454 |
| Tier 1 risk-based capital ratio | 15.7921% | 2,637 |
| Total risk-based capital ratio | 16.5617% | 2,770 |
| Memoranda: | ||
| Average total assets | $1,032,225,800 | 695 |
| Average earning assets | $980,147,600 | 676 |
| Average equity | $89,072,200 | 894 |
| Average total loans | $905,237,000 | 559 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,215 |
| Cost of funding earning assets | 0.7113% | 771 |
| Net interest margin | 3.9280% | 1,885 |
| Noninterest income to average assets | 0.4522% | 3,546 |
| Noninterest expense to average assets | 2.9166% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7782% | 3,466 |
| Return on assets (ROA) | 0.7782% | 3,611 |
| Pretax return on assets | 1.2649% | 2,554 |
| Return on Equity (ROE) | 8.8718% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.8718% | 858 |
| Net charge-offs to loans | 0.0298% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 48.7784% | 1,093 |
| Efficiency ratio | 68.2910% | 3,179 |
| Assets per employee ($millions) | 6.4070% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4723% | 5,749 |
| Loan loss allowance to noncurrent loans | 6.9942% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 5.9266% | 103 |
| Noncurrent loans to loans | 6.7534% | 92 |
| Net loans and leases to total assets | 86.3575% | 226 |
| Net loans and leases to deposits | 94.8061% | 1,168 |
| Net loans and leases to core deposits | 165.2754% | 73 |
| Total domestic deposits to total assets | 91.0886% | 173 |
| Equity capital to assets | 8.2667% | 5,637 |
| Core capital (leverage) ratio | 9.1143% | 4,700 |
| Tier 1 risk-based capital ratio | 17.0114% | 2,221 |
| Total risk-based capital ratio | 17.8669% | 2,319 |
| Memoranda: | ||
| Average total assets | $976,899,500 | 745 |
| Average earning assets | $927,509,250 | 713 |
| Average equity | $85,692,750 | 934 |
| Average total loans | $850,224,250 | 590 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 989 |
| Cost of funding earning assets | 0.7145% | 743 |
| Net interest margin | 4.0140% | 1,599 |
| Noninterest income to average assets | 0.4399% | 3,592 |
| Noninterest expense to average assets | 3.0013% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7632% | 3,490 |
| Return on assets (ROA) | 0.7632% | 3,628 |
| Pretax return on assets | 1.2442% | 2,622 |
| Return on Equity (ROE) | 8.4992% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.4992% | 1,008 |
| Net charge-offs to loans | 0.0398% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 35.8625% | 1,241 |
| Efficiency ratio | 69.1726% | 3,122 |
| Assets per employee ($millions) | 5.5791% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 5,742 |
| Loan loss allowance to noncurrent loans | 9.9553% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 5.0676% | 148 |
| Noncurrent loans to loans | 5.5824% | 140 |
| Net loans and leases to total assets | 88.7474% | 107 |
| Net loans and leases to deposits | 98.2447% | 865 |
| Net loans and leases to core deposits | 153.9103% | 104 |
| Total domestic deposits to total assets | 90.3331% | 375 |
| Equity capital to assets | 8.9194% | 5,301 |
| Core capital (leverage) ratio | 8.8294% | 5,021 |
| Tier 1 risk-based capital ratio | 16.0140% | 2,634 |
| Total risk-based capital ratio | 16.9197% | 2,727 |
| Memoranda: | ||
| Average total assets | $922,385,000 | 781 |
| Average earning assets | $874,482,670 | 753 |
| Average equity | $82,831,330 | 964 |
| Average total loans | $803,788,330 | 623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,138 |
| Cost of funding earning assets | 0.6914% | 844 |
| Net interest margin | 3.9622% | 1,737 |
| Noninterest income to average assets | 0.4469% | 3,511 |
| Noninterest expense to average assets | 2.9401% | 2,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7693% | 3,398 |
| Return on assets (ROA) | 0.7693% | 3,504 |
| Pretax return on assets | 1.2602% | 2,469 |
| Return on Equity (ROE) | 8.5370% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.5370% | 1,250 |
| Net charge-offs to loans | 0.0061% | 2,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 238.7500% | 260 |
| Efficiency ratio | 68.4365% | 3,389 |
| Assets per employee ($millions) | 5.5718% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 5,753 |
| Loan loss allowance to noncurrent loans | 12.8530% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 4.1832% | 229 |
| Noncurrent loans to loans | 4.6293% | 229 |
| Net loans and leases to total assets | 87.6398% | 137 |
| Net loans and leases to deposits | 97.1261% | 829 |
| Net loans and leases to core deposits | 138.8677% | 177 |
| Total domestic deposits to total assets | 90.2330% | 512 |
| Equity capital to assets | 8.9547% | 5,213 |
| Core capital (leverage) ratio | 8.8303% | 5,051 |
| Tier 1 risk-based capital ratio | 16.5706% | 2,448 |
| Total risk-based capital ratio | 17.5594% | 2,509 |
| Memoranda: | ||
| Average total assets | $909,357,000 | 796 |
| Average earning assets | $861,438,500 | 768 |
| Average equity | $81,949,500 | 975 |
| Average total loans | $782,472,000 | 637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 811 |
| Cost of funding earning assets | 0.6690% | 964 |
| Net interest margin | 4.2088% | 1,152 |
| Noninterest income to average assets | 1.5228% | 539 |
| Noninterest expense to average assets | 2.9699% | 2,640 |
| Loan and lease loss provision to assets | 0.3833% | 370 |
| Net operating income to assets | 1.3307% | 1,205 |
| Return on assets (ROA) | 1.3387% | 1,219 |
| Pretax return on assets | 2.1629% | 374 |
| Return on Equity (ROE) | 14.5701% | 754 |
| Retained earnings to average equity (ytd only) | 14.5701% | 146 |
| Net charge-offs to loans | 0.1095% | 2,283 |
| Credit loss provision to net charge-offs | 400.0000% | 761 |
| Earnings coverage of net charge-offs (x) | 26.4427% | 1,587 |
| Efficiency ratio | 52.5662% | 5,602 |
| Assets per employee ($millions) | 5.7649% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6490% | 5,726 |
| Loan loss allowance to noncurrent loans | 15.2043% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.7256% | 297 |
| Noncurrent loans to loans | 4.2684% | 265 |
| Net loans and leases to total assets | 83.3324% | 450 |
| Net loans and leases to deposits | 92.4121% | 1,356 |
| Net loans and leases to core deposits | 136.4332% | 203 |
| Total domestic deposits to total assets | 90.1747% | 555 |
| Equity capital to assets | 9.0921% | 5,025 |
| Core capital (leverage) ratio | 8.8009% | 5,108 |
| Tier 1 risk-based capital ratio | 17.2971% | 2,182 |
| Total risk-based capital ratio | 18.3447% | 2,205 |
| Memoranda: | ||
| Average total assets | $782,746,200 | 884 |
| Average earning assets | $740,325,600 | 859 |
| Average equity | $71,921,200 | 1,058 |
| Average total loans | $684,668,400 | 684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 922 |
| Cost of funding earning assets | 0.6565% | 1,057 |
| Net interest margin | 4.1473% | 1,284 |
| Noninterest income to average assets | 1.2614% | 761 |
| Noninterest expense to average assets | 2.8550% | 2,990 |
| Loan and lease loss provision to assets | 0.2649% | 621 |
| Net operating income to assets | 1.2780% | 1,399 |
| Return on assets (ROA) | 1.2780% | 1,456 |
| Pretax return on assets | 2.0606% | 534 |
| Return on Equity (ROE) | 13.8655% | 934 |
| Retained earnings to average equity (ytd only) | 13.8655% | 216 |
| Net charge-offs to loans | 0.0736% | 2,504 |
| Credit loss provision to net charge-offs | 406.5041% | 750 |
| Earnings coverage of net charge-offs (x) | 35.6882% | 1,344 |
| Efficiency ratio | 53.5740% | 5,549 |
| Assets per employee ($millions) | 5.5756% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 6,012 |
| Loan loss allowance to noncurrent loans | 7.0093% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 6.5814% | 125 |
| Noncurrent loans to loans | 7.2559% | 92 |
| Net loans and leases to total assets | 88.7807% | 101 |
| Net loans and leases to deposits | 98.9956% | 727 |
| Net loans and leases to core deposits | 132.4154% | 245 |
| Total domestic deposits to total assets | 89.6814% | 699 |
| Equity capital to assets | 8.8579% | 5,432 |
| Core capital (leverage) ratio | 8.8271% | 5,207 |
| Tier 1 risk-based capital ratio | 15.8180% | 2,888 |
| Total risk-based capital ratio | 16.6407% | 3,029 |
| Memoranda: | ||
| Average total assets | $755,041,750 | 923 |
| Average earning assets | $713,500,500 | 894 |
| Average equity | $69,590,500 | 1,100 |
| Average total loans | $668,462,500 | 704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 806 |
| Cost of funding earning assets | 0.6383% | 1,179 |
| Net interest margin | 4.2098% | 1,092 |
| Noninterest income to average assets | 1.6330% | 493 |
| Noninterest expense to average assets | 2.9013% | 2,891 |
| Loan and lease loss provision to assets | 0.4100% | 273 |
| Net operating income to assets | 1.4250% | 1,044 |
| Return on assets (ROA) | 1.4250% | 1,082 |
| Pretax return on assets | 2.2951% | 342 |
| Return on Equity (ROE) | 15.2376% | 708 |
| Retained earnings to average equity (ytd only) | 15.2376% | 181 |
| Net charge-offs to loans | 0.0638% | 2,469 |
| Credit loss provision to net charge-offs | 728.1553% | 470 |
| Earnings coverage of net charge-offs (x) | 48.0388% | 984 |
| Efficiency ratio | 50.2828% | 5,841 |
| Assets per employee ($millions) | 5.3461% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 6,008 |
| Loan loss allowance to noncurrent loans | 14.7957% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 3.5864% | 394 |
| Noncurrent loans to loans | 3.9012% | 405 |
| Net loans and leases to total assets | 86.2428% | 228 |
| Net loans and leases to deposits | 96.2885% | 939 |
| Net loans and leases to core deposits | 130.3173% | 267 |
| Total domestic deposits to total assets | 89.5671% | 864 |
| Equity capital to assets | 9.1040% | 5,147 |
| Core capital (leverage) ratio | 9.2677% | 4,597 |
| Tier 1 risk-based capital ratio | 15.7498% | 2,980 |
| Total risk-based capital ratio | 16.6301% | 3,103 |
| Memoranda: | ||
| Average total assets | $731,661,330 | 949 |
| Average earning assets | $690,574,330 | 930 |
| Average equity | $68,422,670 | 1,122 |
| Average total loans | $645,834,000 | 726 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 644 |
| Cost of funding earning assets | 0.6326% | 1,218 |
| Net interest margin | 4.3041% | 869 |
| Noninterest income to average assets | 1.1250% | 888 |
| Noninterest expense to average assets | 2.9665% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3778% | 1,071 |
| Return on assets (ROA) | 1.3778% | 1,131 |
| Pretax return on assets | 2.2143% | 374 |
| Return on Equity (ROE) | 14.5206% | 785 |
| Retained earnings to average equity (ytd only) | 14.5206% | 321 |
| Net charge-offs to loans | 0.0831% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.8855% | 1,153 |
| Efficiency ratio | 55.6223% | 5,546 |
| Assets per employee ($millions) | 4.8239% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3813% | 6,250 |
| Loan loss allowance to noncurrent loans | 6.7195% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 5.3655% | 214 |
| Noncurrent loans to loans | 5.6746% | 202 |
| Net loans and leases to total assets | 89.6509% | 64 |
| Net loans and leases to deposits | 101.2919% | 491 |
| Net loans and leases to core deposits | 125.2762% | 304 |
| Total domestic deposits to total assets | 88.5074% | 1,543 |
| Equity capital to assets | 9.4439% | 4,815 |
| Core capital (leverage) ratio | 9.5096% | 4,262 |
| Tier 1 risk-based capital ratio | 15.9916% | 2,927 |
| Total risk-based capital ratio | 16.5835% | 3,169 |
| Memoranda: | ||
| Average total assets | $707,230,000 | 984 |
| Average earning assets | $666,434,000 | 966 |
| Average equity | $67,104,500 | 1,143 |
| Average total loans | $630,224,000 | 740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4061% | 375 |
| Cost of funding earning assets | 0.6358% | 1,507 |
| Net interest margin | 4.7703% | 453 |
| Noninterest income to average assets | 0.9464% | 1,357 |
| Noninterest expense to average assets | 3.4374% | 1,625 |
| Loan and lease loss provision to assets | 0.0910% | 2,646 |
| Net operating income to assets | 1.1643% | 1,696 |
| Return on assets (ROA) | 1.1647% | 1,773 |
| Pretax return on assets | 1.8669% | 685 |
| Return on Equity (ROE) | 11.5123% | 1,551 |
| Retained earnings to average equity (ytd only) | 11.5123% | 334 |
| Net charge-offs to loans | 0.2236% | 1,874 |
| Credit loss provision to net charge-offs | 47.0538% | 3,547 |
| Earnings coverage of net charge-offs (x) | 10.1161% | 2,655 |
| Efficiency ratio | 60.1868% | 5,198 |
| Assets per employee ($millions) | 4.8314% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4290% | 6,313 |
| Loan loss allowance to noncurrent loans | 8.6362% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.6759% | 317 |
| Noncurrent loans to loans | 4.9680% | 300 |
| Net loans and leases to total assets | 87.8071% | 121 |
| Net loans and leases to deposits | 99.3025% | 663 |
| Net loans and leases to core deposits | 115.2266% | 546 |
| Total domestic deposits to total assets | 88.4238% | 1,552 |
| Equity capital to assets | 9.3774% | 4,882 |
| Core capital (leverage) ratio | 9.4217% | 4,358 |
| Tier 1 risk-based capital ratio | 15.6696% | 3,143 |
| Total risk-based capital ratio | 16.3352% | 3,390 |
| Memoranda: | ||
| Average total assets | $605,228,000 | 1,097 |
| Average earning assets | $564,363,000 | 1,076 |
| Average equity | $61,230,400 | 1,192 |
| Average total loans | $523,643,000 | 846 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 355 |
| Cost of funding earning assets | 0.6421% | 1,513 |
| Net interest margin | 4.7866% | 444 |
| Noninterest income to average assets | 0.9096% | 1,496 |
| Noninterest expense to average assets | 3.4675% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1823% | 1,745 |
| Return on assets (ROA) | 1.1823% | 1,816 |
| Pretax return on assets | 1.8944% | 728 |
| Return on Equity (ROE) | 11.4391% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.4391% | 466 |
| Net charge-offs to loans | 0.2108% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.4471% | 2,542 |
| Efficiency ratio | 60.8272% | 5,072 |
| Assets per employee ($millions) | 4.4204% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4399% | 6,380 |
| Loan loss allowance to noncurrent loans | 8.3823% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 5.1150% | 328 |
| Noncurrent loans to loans | 5.2477% | 320 |
| Net loans and leases to total assets | 88.6054% | 90 |
| Net loans and leases to deposits | 101.2745% | 540 |
| Net loans and leases to core deposits | 107.2987% | 883 |
| Total domestic deposits to total assets | 87.4904% | 2,033 |
| Equity capital to assets | 10.1013% | 4,047 |
| Core capital (leverage) ratio | 9.5875% | 4,265 |
| Tier 1 risk-based capital ratio | 16.1263% | 2,997 |
| Total risk-based capital ratio | 16.7886% | 3,234 |
| Memoranda: | ||
| Average total assets | $583,813,750 | 1,142 |
| Average earning assets | $543,026,250 | 1,119 |
| Average equity | $60,341,250 | 1,215 |
| Average total loans | $502,238,750 | 893 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 366 |
| Cost of funding earning assets | 0.6335% | 1,631 |
| Net interest margin | 4.7729% | 432 |
| Noninterest income to average assets | 1.0164% | 1,153 |
| Noninterest expense to average assets | 3.4735% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2333% | 1,497 |
| Return on assets (ROA) | 1.2333% | 1,559 |
| Pretax return on assets | 1.9791% | 583 |
| Return on Equity (ROE) | 11.8348% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.8348% | 443 |
| Net charge-offs to loans | 0.1634% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.2601% | 1,919 |
| Efficiency ratio | 59.8406% | 5,318 |
| Assets per employee ($millions) | 4.3089% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5447% | 6,367 |
| Loan loss allowance to noncurrent loans | 14.7959% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.2648% | 746 |
| Noncurrent loans to loans | 3.6815% | 697 |
| Net loans and leases to total assets | 85.2896% | 226 |
| Net loans and leases to deposits | 96.5173% | 765 |
| Net loans and leases to core deposits | 102.1177% | 1,127 |
| Total domestic deposits to total assets | 88.3672% | 1,702 |
| Equity capital to assets | 10.0973% | 3,972 |
| Core capital (leverage) ratio | 9.8537% | 3,810 |
| Tier 1 risk-based capital ratio | 16.3792% | 2,887 |
| Total risk-based capital ratio | 17.1882% | 3,066 |
| Memoranda: | ||
| Average total assets | $570,658,670 | 1,159 |
| Average earning assets | $530,413,000 | 1,149 |
| Average equity | $59,468,670 | 1,230 |
| Average total loans | $484,752,000 | 921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 424 |
| Cost of funding earning assets | 0.6313% | 1,720 |
| Net interest margin | 4.6516% | 505 |
| Noninterest income to average assets | 1.0076% | 1,115 |
| Noninterest expense to average assets | 3.5023% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1286% | 1,705 |
| Return on assets (ROA) | 1.1286% | 1,769 |
| Pretax return on assets | 1.8123% | 786 |
| Return on Equity (ROE) | 10.6475% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.6475% | 806 |
| Net charge-offs to loans | 0.1594% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.4516% | 1,666 |
| Efficiency ratio | 61.7964% | 5,152 |
| Assets per employee ($millions) | 4.1729% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 6,357 |
| Loan loss allowance to noncurrent loans | 15.0861% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.6375% | 705 |
| Noncurrent loans to loans | 4.2461% | 605 |
| Net loans and leases to total assets | 82.0984% | 349 |
| Net loans and leases to deposits | 93.0939% | 866 |
| Net loans and leases to core deposits | 98.1313% | 1,228 |
| Total domestic deposits to total assets | 88.1888% | 2,118 |
| Equity capital to assets | 10.3004% | 3,471 |
| Core capital (leverage) ratio | 9.9939% | 3,584 |
| Tier 1 risk-based capital ratio | 17.1534% | 2,617 |
| Total risk-based capital ratio | 18.1007% | 2,716 |
| Memoranda: | ||
| Average total assets | $552,213,000 | 1,219 |
| Average earning assets | $511,306,000 | 1,205 |
| Average equity | $58,530,000 | 1,246 |
| Average total loans | $466,620,500 | 951 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6037% | 311 |
| Cost of funding earning assets | 0.5489% | 3,120 |
| Net interest margin | 5.0548% | 286 |
| Noninterest income to average assets | 1.0256% | 1,332 |
| Noninterest expense to average assets | 3.9093% | 978 |
| Loan and lease loss provision to assets | 0.3675% | 850 |
| Net operating income to assets | 0.8281% | 3,142 |
| Return on assets (ROA) | 0.8333% | 3,200 |
| Pretax return on assets | 1.3639% | 1,919 |
| Return on Equity (ROE) | 7.3337% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.3337% | 1,300 |
| Net charge-offs to loans | 0.1823% | 3,011 |
| Credit loss provision to net charge-offs | 253.5511% | 892 |
| Earnings coverage of net charge-offs (x) | 11.8892% | 2,190 |
| Efficiency ratio | 64.9925% | 4,736 |
| Assets per employee ($millions) | 3.9153% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 6,339 |
| Loan loss allowance to noncurrent loans | 11.4010% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 5.4693% | 396 |
| Noncurrent loans to loans | 6.2013% | 321 |
| Net loans and leases to total assets | 85.9282% | 159 |
| Net loans and leases to deposits | 99.4820% | 507 |
| Net loans and leases to core deposits | 105.0683% | 850 |
| Total domestic deposits to total assets | 86.3756% | 3,056 |
| Equity capital to assets | 10.9247% | 2,683 |
| Core capital (leverage) ratio | 10.5447% | 2,856 |
| Tier 1 risk-based capital ratio | 16.8132% | 2,702 |
| Total risk-based capital ratio | 17.8326% | 2,777 |
| Memoranda: | ||
| Average total assets | $485,683,800 | 1,367 |
| Average earning assets | $442,670,800 | 1,371 |
| Average equity | $55,183,400 | 1,293 |
| Average total loans | $386,200,000 | 1,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 297 |
| Cost of funding earning assets | 0.5272% | 3,494 |
| Net interest margin | 5.1195% | 247 |
| Noninterest income to average assets | 1.0777% | 1,262 |
| Noninterest expense to average assets | 3.8935% | 976 |
| Loan and lease loss provision to assets | 0.5011% | 545 |
| Net operating income to assets | 0.9776% | 2,479 |
| Return on assets (ROA) | 0.9856% | 2,538 |
| Pretax return on assets | 1.3449% | 2,145 |
| Return on Equity (ROE) | 8.5826% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.5826% | 1,204 |
| Net charge-offs to loans | 0.1538% | 3,008 |
| Credit loss provision to net charge-offs | 420.0000% | 635 |
| Earnings coverage of net charge-offs (x) | 15.3812% | 1,871 |
| Efficiency ratio | 63.5321% | 4,883 |
| Assets per employee ($millions) | 3.7339% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 6,146 |
| Loan loss allowance to noncurrent loans | 21.5191% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.4686% | 983 |
| Noncurrent loans to loans | 4.0203% | 867 |
| Net loans and leases to total assets | 80.4550% | 500 |
| Net loans and leases to deposits | 91.4621% | 1,021 |
| Net loans and leases to core deposits | 96.0564% | 1,389 |
| Total domestic deposits to total assets | 87.9654% | 2,155 |
| Equity capital to assets | 11.3833% | 2,397 |
| Core capital (leverage) ratio | 10.9574% | 2,522 |
| Tier 1 risk-based capital ratio | 17.6375% | 2,466 |
| Total risk-based capital ratio | 18.8233% | 2,452 |
| Memoranda: | ||
| Average total assets | $474,963,250 | 1,406 |
| Average earning assets | $431,491,250 | 1,418 |
| Average equity | $54,543,250 | 1,318 |
| Average total loans | $368,394,750 | 1,162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5821% | 332 |
| Cost of funding earning assets | 0.6708% | 2,310 |
| Net interest margin | 4.9113% | 359 |
| Noninterest income to average assets | 1.2540% | 989 |
| Noninterest expense to average assets | 3.9190% | 959 |
| Loan and lease loss provision to assets | 0.5976% | 427 |
| Net operating income to assets | 0.9353% | 2,640 |
| Return on assets (ROA) | 0.9483% | 2,723 |
| Pretax return on assets | 1.2086% | 2,635 |
| Return on Equity (ROE) | 8.2324% | 2,971 |
| Retained earnings to average equity (ytd only) | 8.2324% | 1,393 |
| Net charge-offs to loans | 0.2164% | 2,462 |
| Credit loss provision to net charge-offs | 362.0779% | 720 |
| Earnings coverage of net charge-offs (x) | 10.8416% | 2,115 |
| Efficiency ratio | 66.5640% | 4,439 |
| Assets per employee ($millions) | 3.7036% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 6,236 |
| Loan loss allowance to noncurrent loans | 42.9445% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 2,351 |
| Noncurrent loans to loans | 1.9999% | 2,405 |
| Net loans and leases to total assets | 78.8426% | 657 |
| Net loans and leases to deposits | 90.0994% | 1,131 |
| Net loans and leases to core deposits | 93.4850% | 1,569 |
| Total domestic deposits to total assets | 87.5063% | 2,538 |
| Equity capital to assets | 11.8597% | 1,998 |
| Core capital (leverage) ratio | 10.7952% | 2,571 |
| Tier 1 risk-based capital ratio | 17.1642% | 2,654 |
| Total risk-based capital ratio | 18.2509% | 2,684 |
| Memoranda: | ||
| Average total assets | $466,501,670 | 1,426 |
| Average earning assets | $423,101,670 | 1,449 |
| Average equity | $53,739,000 | 1,340 |
| Average total loans | $355,837,000 | 1,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 317 |
| Cost of funding earning assets | 0.6768% | 2,419 |
| Net interest margin | 4.9157% | 330 |
| Noninterest income to average assets | 0.3946% | 4,506 |
| Noninterest expense to average assets | 3.2510% | 2,200 |
| Loan and lease loss provision to assets | 0.1281% | 2,636 |
| Net operating income to assets | 1.4701% | 910 |
| Return on assets (ROA) | 1.4701% | 992 |
| Pretax return on assets | 1.4701% | 1,649 |
| Return on Equity (ROE) | 12.9504% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.9504% | 567 |
| Net charge-offs to loans | 0.1624% | 2,427 |
| Credit loss provision to net charge-offs | 105.6338% | 1,746 |
| Earnings coverage of net charge-offs (x) | 13.1761% | 1,545 |
| Efficiency ratio | 64.8230% | 4,858 |
| Assets per employee ($millions) | 3.6237% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 6,694 |
| Loan loss allowance to noncurrent loans | 17.6827% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 2.8846% | 1,563 |
| Noncurrent loans to loans | 3.4523% | 1,395 |
| Net loans and leases to total assets | 74.6849% | 990 |
| Net loans and leases to deposits | 84.9308% | 1,479 |
| Net loans and leases to core deposits | 88.0526% | 1,906 |
| Total domestic deposits to total assets | 87.9362% | 2,360 |
| Equity capital to assets | 11.4603% | 2,447 |
| Core capital (leverage) ratio | 10.4851% | 2,799 |
| Tier 1 risk-based capital ratio | 16.5377% | 2,981 |
| Total risk-based capital ratio | 17.2754% | 3,213 |
| Memoranda: | ||
| Average total assets | $468,280,000 | 1,430 |
| Average earning assets | $424,351,500 | 1,454 |
| Average equity | $53,156,500 | 1,365 |
| Average total loans | $349,675,500 | 1,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3341% | 7,067 |
| Cost of funding earning assets | 0.0293% | 7,047 |
| Net interest margin | 0.3048% | 7,065 |
| Noninterest income to average assets | 0.3673% | 4,848 |
| Noninterest expense to average assets | 0.1673% | 7,074 |
| Loan and lease loss provision to assets | 0.0514% | 5,169 |
| Net operating income to assets | 0.3878% | 5,147 |
| Return on assets (ROA) | 0.3878% | 5,384 |
| Pretax return on assets | 0.4277% | 5,489 |
| Return on Equity (ROE) | 3.8002% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.8002% | 3,537 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.8069% | 7,051 |
| Assets per employee ($millions) | 3.7881% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0660% | 6,997 |
| Loan loss allowance to noncurrent loans | 18.1818% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6538% | 4,837 |
| Noncurrent loans to loans | 0.3629% | 5,581 |
| Net loans and leases to total assets | 71.6563% | 1,541 |
| Net loans and leases to deposits | 81.9912% | 1,999 |
| Net loans and leases to core deposits | 85.0289% | 2,421 |
| Total domestic deposits to total assets | 87.3951% | 2,578 |
| Equity capital to assets | 11.0865% | 2,852 |
| Core capital (leverage) ratio | 9.4245% | 4,222 |
| Tier 1 risk-based capital ratio | 14.4017% | 4,093 |
| Total risk-based capital ratio | 14.4737% | 4,889 |
| Memoranda: | ||
| Average total assets | $268,430,200 | 2,356 |
| Average earning assets | $245,737,200 | 2,359 |
| Average equity | $27,393,600 | 2,455 |
| Average total loans | $205,001,000 | 1,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 801 |
| Cost of funding earning assets | 0.7403% | 3,427 |
| Net interest margin | 4.6770% | 704 |
| Noninterest income to average assets | 0.4529% | 4,269 |
| Noninterest expense to average assets | 3.3508% | 2,129 |
| Loan and lease loss provision to assets | 0.3554% | 1,836 |
| Net operating income to assets | 0.6617% | 4,083 |
| Return on assets (ROA) | 0.8732% | 3,360 |
| Pretax return on assets | 1.3687% | 2,345 |
| Return on Equity (ROE) | 8.7671% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.7671% | 1,314 |
| Net charge-offs to loans | 0.4432% | 2,334 |
| Credit loss provision to net charge-offs | 103.2448% | 2,853 |
| Earnings coverage of net charge-offs (x) | 4.0487% | 3,420 |
| Efficiency ratio | 69.7806% | 3,732 |
| Assets per employee ($millions) | 3.4316% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,179 |
| Loan loss allowance to noncurrent loans | 123.4434% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8709% | 2,827 |
| Noncurrent loans to loans | 1.1699% | 4,111 |
| Net loans and leases to total assets | 78.3260% | 691 |
| Net loans and leases to deposits | 89.2088% | 1,238 |
| Net loans and leases to core deposits | 92.9760% | 1,691 |
| Total domestic deposits to total assets | 87.8007% | 2,170 |
| Equity capital to assets | 10.4714% | 3,880 |
| Core capital (leverage) ratio | 10.2433% | 3,236 |
| Tier 1 risk-based capital ratio | 13.6961% | 4,757 |
| Total risk-based capital ratio | 14.9498% | 4,706 |
| Memoranda: | ||
| Average total assets | $262,617,750 | 2,431 |
| Average earning assets | $240,972,000 | 2,435 |
| Average equity | $26,157,750 | 2,573 |
| Average total loans | $203,965,000 | 1,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 819 |
| Cost of funding earning assets | 0.7890% | 3,284 |
| Net interest margin | 4.6425% | 760 |
| Noninterest income to average assets | 0.2428% | 5,836 |
| Noninterest expense to average assets | 3.3181% | 2,259 |
| Loan and lease loss provision to assets | 0.4161% | 1,572 |
| Net operating income to assets | 0.4916% | 4,856 |
| Return on assets (ROA) | 0.8117% | 3,606 |
| Pretax return on assets | 1.2566% | 2,704 |
| Return on Equity (ROE) | 8.2877% | 3,121 |
| Retained earnings to average equity (ytd only) | 8.2877% | 1,530 |
| Net charge-offs to loans | 0.6056% | 1,805 |
| Credit loss provision to net charge-offs | 89.1410% | 3,072 |
| Earnings coverage of net charge-offs (x) | 2.5284% | 3,747 |
| Efficiency ratio | 72.8893% | 3,256 |
| Assets per employee ($millions) | 3.4071% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,470 |
| Loan loss allowance to noncurrent loans | 130.1090% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0924% | 2,673 |
| Noncurrent loans to loans | 1.0756% | 4,370 |
| Net loans and leases to total assets | 77.9602% | 728 |
| Net loans and leases to deposits | 88.4098% | 1,331 |
| Net loans and leases to core deposits | 91.8525% | 1,792 |
| Total domestic deposits to total assets | 88.1805% | 2,026 |
| Equity capital to assets | 10.1311% | 4,149 |
| Core capital (leverage) ratio | 9.6693% | 3,891 |
| Tier 1 risk-based capital ratio | 13.1063% | 5,111 |
| Total risk-based capital ratio | 14.3593% | 5,084 |
| Memoranda: | ||
| Average total assets | $264,367,670 | 2,420 |
| Average earning assets | $242,326,330 | 2,421 |
| Average equity | $25,893,670 | 2,585 |
| Average total loans | $203,773,330 | 1,987 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 894 |
| Cost of funding earning assets | 0.8380% | 3,165 |
| Net interest margin | 4.5716% | 865 |
| Noninterest income to average assets | 0.8072% | 2,133 |
| Noninterest expense to average assets | 3.2709% | 2,383 |
| Loan and lease loss provision to assets | 0.4493% | 1,382 |
| Net operating income to assets | 0.8143% | 3,320 |
| Return on assets (ROA) | 0.8162% | 3,545 |
| Pretax return on assets | 1.2730% | 2,638 |
| Return on Equity (ROE) | 8.4746% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.4746% | 1,789 |
| Net charge-offs to loans | 0.8382% | 1,231 |
| Credit loss provision to net charge-offs | 70.4225% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.6948% | 3,105 |
| Efficiency ratio | 64.7659% | 4,789 |
| Assets per employee ($millions) | 3.5262% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,698 |
| Loan loss allowance to noncurrent loans | 117.7507% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 2.5889% | 2,285 |
| Noncurrent loans to loans | 1.1699% | 4,375 |
| Net loans and leases to total assets | 74.9574% | 925 |
| Net loans and leases to deposits | 85.5664% | 1,468 |
| Net loans and leases to core deposits | 89.1460% | 1,935 |
| Total domestic deposits to total assets | 87.6014% | 2,586 |
| Equity capital to assets | 9.7044% | 4,512 |
| Core capital (leverage) ratio | 9.4026% | 4,192 |
| Tier 1 risk-based capital ratio | 12.7205% | 5,423 |
| Total risk-based capital ratio | 13.9730% | 5,384 |
| Memoranda: | ||
| Average total assets | $267,083,500 | 2,412 |
| Average earning assets | $244,380,000 | 2,416 |
| Average equity | $25,724,000 | 2,599 |
| Average total loans | $203,294,000 | 2,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 1,012 |
| Cost of funding earning assets | 1.1557% | 2,315 |
| Net interest margin | 4.4162% | 1,355 |
| Noninterest income to average assets | 0.6922% | 2,650 |
| Noninterest expense to average assets | 3.2991% | 2,523 |
| Loan and lease loss provision to assets | 0.5535% | 1,885 |
| Net operating income to assets | 0.5705% | 4,148 |
| Return on assets (ROA) | 0.6487% | 3,938 |
| Pretax return on assets | 0.9878% | 3,285 |
| Return on Equity (ROE) | 7.2618% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.2618% | 1,376 |
| Net charge-offs to loans | 1.1421% | 1,489 |
| Credit loss provision to net charge-offs | 64.3225% | 5,049 |
| Earnings coverage of net charge-offs (x) | 1.6535% | 4,530 |
| Efficiency ratio | 69.0474% | 4,139 |
| Assets per employee ($millions) | 3.5023% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 4,266 |
| Loan loss allowance to noncurrent loans | 125.0320% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 2.5427% | 2,386 |
| Noncurrent loans to loans | 1.1557% | 4,436 |
| Net loans and leases to total assets | 75.1274% | 1,077 |
| Net loans and leases to deposits | 85.6609% | 1,708 |
| Net loans and leases to core deposits | 89.5731% | 2,182 |
| Total domestic deposits to total assets | 87.7032% | 2,333 |
| Equity capital to assets | 9.5580% | 4,794 |
| Core capital (leverage) ratio | 9.1450% | 4,557 |
| Tier 1 risk-based capital ratio | 12.5688% | 5,392 |
| Total risk-based capital ratio | 13.8218% | 5,381 |
| Memoranda: | ||
| Average total assets | $271,013,000 | 2,333 |
| Average earning assets | $247,296,000 | 2,332 |
| Average equity | $24,209,000 | 2,646 |
| Average total loans | $204,182,600 | 2,003 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 1,063 |
| Cost of funding earning assets | 1.2178% | 2,206 |
| Net interest margin | 4.3692% | 1,497 |
| Noninterest income to average assets | 0.6499% | 2,882 |
| Noninterest expense to average assets | 3.3144% | 2,452 |
| Loan and lease loss provision to assets | 0.5877% | 1,676 |
| Net operating income to assets | 0.4863% | 4,598 |
| Return on assets (ROA) | 0.5735% | 4,387 |
| Pretax return on assets | 0.8654% | 3,894 |
| Return on Equity (ROE) | 6.5323% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.5323% | 2,224 |
| Net charge-offs to loans | 0.3442% | 3,377 |
| Credit loss provision to net charge-offs | 227.2727% | 1,255 |
| Earnings coverage of net charge-offs (x) | 5.1080% | 2,874 |
| Efficiency ratio | 70.6784% | 3,821 |
| Assets per employee ($millions) | 3.4466% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 1,916 |
| Loan loss allowance to noncurrent loans | 194.6468% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 2.2359% | 2,854 |
| Noncurrent loans to loans | 1.1167% | 4,682 |
| Net loans and leases to total assets | 75.2267% | 1,108 |
| Net loans and leases to deposits | 85.6437% | 1,731 |
| Net loans and leases to core deposits | 89.7124% | 2,291 |
| Total domestic deposits to total assets | 87.8368% | 2,142 |
| Equity capital to assets | 9.4005% | 5,242 |
| Core capital (leverage) ratio | 8.7990% | 5,266 |
| Tier 1 risk-based capital ratio | 12.3600% | 5,614 |
| Total risk-based capital ratio | 13.6231% | 5,591 |
| Memoranda: | ||
| Average total assets | $272,222,250 | 2,340 |
| Average earning assets | $248,307,750 | 2,335 |
| Average equity | $23,901,000 | 2,683 |
| Average total loans | $204,502,500 | 2,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 1,198 |
| Cost of funding earning assets | 1.2869% | 2,024 |
| Net interest margin | 4.2583% | 1,806 |
| Noninterest income to average assets | 0.5508% | 3,472 |
| Noninterest expense to average assets | 3.3312% | 2,460 |
| Loan and lease loss provision to assets | 0.6557% | 1,465 |
| Net operating income to assets | 0.3005% | 5,373 |
| Return on assets (ROA) | 0.4342% | 4,939 |
| Pretax return on assets | 0.6375% | 4,623 |
| Return on Equity (ROE) | 5.0611% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.0611% | 2,966 |
| Net charge-offs to loans | 0.4984% | 2,612 |
| Credit loss provision to net charge-offs | 176.4706% | 1,701 |
| Earnings coverage of net charge-offs (x) | 2.9510% | 3,374 |
| Efficiency ratio | 74.3788% | 3,296 |
| Assets per employee ($millions) | 3.4505% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 2,277 |
| Loan loss allowance to noncurrent loans | 210.4357% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 2.1824% | 3,006 |
| Noncurrent loans to loans | 0.9663% | 5,053 |
| Net loans and leases to total assets | 73.4220% | 1,514 |
| Net loans and leases to deposits | 82.9691% | 2,285 |
| Net loans and leases to core deposits | 86.7593% | 2,789 |
| Total domestic deposits to total assets | 88.4932% | 1,858 |
| Equity capital to assets | 8.8174% | 5,798 |
| Core capital (leverage) ratio | 8.3200% | 5,835 |
| Tier 1 risk-based capital ratio | 11.9385% | 5,837 |
| Total risk-based capital ratio | 13.1995% | 5,804 |
| Memoranda: | ||
| Average total assets | $274,499,330 | 2,332 |
| Average earning assets | $249,911,330 | 2,327 |
| Average equity | $23,552,000 | 2,691 |
| Average total loans | $204,643,000 | 2,039 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 1,200 |
| Cost of funding earning assets | 1.3447% | 1,919 |
| Net interest margin | 4.1955% | 1,904 |
| Noninterest income to average assets | 0.6970% | 2,598 |
| Noninterest expense to average assets | 3.3414% | 2,439 |
| Loan and lease loss provision to assets | 0.6535% | 1,319 |
| Net operating income to assets | 0.3556% | 5,147 |
| Return on assets (ROA) | 0.4037% | 5,017 |
| Pretax return on assets | 0.5867% | 4,740 |
| Return on Equity (ROE) | 4.7704% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.7704% | 3,324 |
| Net charge-offs to loans | 0.2968% | 2,865 |
| Credit loss provision to net charge-offs | 296.0526% | 1,086 |
| Earnings coverage of net charge-offs (x) | 5.3026% | 2,303 |
| Efficiency ratio | 73.2218% | 3,648 |
| Assets per employee ($millions) | 3.5290% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 2,479 |
| Loan loss allowance to noncurrent loans | 169.6033% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 2,750 |
| Noncurrent loans to loans | 1.1643% | 4,756 |
| Net loans and leases to total assets | 72.3240% | 1,652 |
| Net loans and leases to deposits | 81.3553% | 2,469 |
| Net loans and leases to core deposits | 84.9852% | 3,035 |
| Total domestic deposits to total assets | 88.8990% | 1,837 |
| Equity capital to assets | 8.4435% | 5,990 |
| Core capital (leverage) ratio | 8.1971% | 5,973 |
| Tier 1 risk-based capital ratio | 11.4932% | 6,113 |
| Total risk-based capital ratio | 12.7533% | 6,081 |
| Memoranda: | ||
| Average total assets | $275,456,000 | 2,343 |
| Average earning assets | $250,457,500 | 2,341 |
| Average equity | $23,310,500 | 2,710 |
| Average total loans | $204,818,500 | 2,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7720% | 1,352 |
| Cost of funding earning assets | 1.6567% | 1,792 |
| Net interest margin | 4.1153% | 2,503 |
| Noninterest income to average assets | 0.7871% | 2,343 |
| Noninterest expense to average assets | 3.4099% | 2,415 |
| Loan and lease loss provision to assets | 0.7231% | 2,272 |
| Net operating income to assets | 0.2973% | 4,947 |
| Return on assets (ROA) | 0.3727% | 4,811 |
| Pretax return on assets | 0.5473% | 4,482 |
| Return on Equity (ROE) | 4.6697% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.6697% | 2,629 |
| Net charge-offs to loans | 0.5577% | 3,389 |
| Credit loss provision to net charge-offs | 167.5148% | 2,031 |
| Earnings coverage of net charge-offs (x) | 2.6862% | 3,746 |
| Efficiency ratio | 73.7842% | 3,446 |
| Assets per employee ($millions) | 3.3185% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,700 |
| Loan loss allowance to noncurrent loans | 167.7362% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 2.4666% | 2,807 |
| Noncurrent loans to loans | 1.1003% | 4,901 |
| Net loans and leases to total assets | 73.5622% | 1,754 |
| Net loans and leases to deposits | 83.4686% | 2,537 |
| Net loans and leases to core deposits | 87.2040% | 3,153 |
| Total domestic deposits to total assets | 88.1316% | 2,171 |
| Equity capital to assets | 8.4820% | 5,879 |
| Core capital (leverage) ratio | 8.2272% | 5,790 |
| Tier 1 risk-based capital ratio | 11.4719% | 5,930 |
| Total risk-based capital ratio | 12.7303% | 5,927 |
| Memoranda: | ||
| Average total assets | $273,143,600 | 2,336 |
| Average earning assets | $251,037,600 | 2,333 |
| Average equity | $21,800,000 | 2,903 |
| Average total loans | $211,412,200 | 2,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 1,380 |
| Cost of funding earning assets | 1.7081% | 1,835 |
| Net interest margin | 4.0975% | 2,637 |
| Noninterest income to average assets | 0.8110% | 2,180 |
| Noninterest expense to average assets | 3.3923% | 2,319 |
| Loan and lease loss provision to assets | 0.7071% | 2,168 |
| Net operating income to assets | 0.3253% | 5,067 |
| Return on assets (ROA) | 0.4243% | 4,824 |
| Pretax return on assets | 0.6345% | 4,469 |
| Return on Equity (ROE) | 5.4003% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.4003% | 2,708 |
| Net charge-offs to loans | 0.6089% | 2,917 |
| Credit loss provision to net charge-offs | 148.8706% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.5134% | 3,910 |
| Efficiency ratio | 73.1391% | 3,494 |
| Assets per employee ($millions) | 3.3457% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 3,267 |
| Loan loss allowance to noncurrent loans | 115.6093% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 2.0004% | 3,468 |
| Noncurrent loans to loans | 1.4416% | 4,454 |
| Net loans and leases to total assets | 74.0642% | 1,787 |
| Net loans and leases to deposits | 84.5442% | 2,611 |
| Net loans and leases to core deposits | 88.3718% | 3,324 |
| Total domestic deposits to total assets | 87.6042% | 2,208 |
| Equity capital to assets | 8.5952% | 6,160 |
| Core capital (leverage) ratio | 8.1848% | 6,065 |
| Tier 1 risk-based capital ratio | 11.5383% | 5,892 |
| Total risk-based capital ratio | 12.7948% | 5,876 |
| Memoranda: | ||
| Average total assets | $273,400,000 | 2,362 |
| Average earning assets | $251,889,000 | 2,354 |
| Average equity | $21,479,750 | 2,984 |
| Average total loans | $213,280,250 | 2,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 1,375 |
| Cost of funding earning assets | 1.7625% | 1,801 |
| Net interest margin | 4.0590% | 2,753 |
| Noninterest income to average assets | 0.8605% | 1,837 |
| Noninterest expense to average assets | 3.3550% | 2,392 |
| Loan and lease loss provision to assets | 0.6591% | 2,188 |
| Net operating income to assets | 0.3809% | 4,848 |
| Return on assets (ROA) | 0.5273% | 4,365 |
| Pretax return on assets | 0.8042% | 3,863 |
| Return on Equity (ROE) | 6.9300% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.9300% | 1,868 |
| Net charge-offs to loans | 0.6636% | 2,552 |
| Credit loss provision to net charge-offs | 125.8741% | 3,201 |
| Earnings coverage of net charge-offs (x) | 2.3706% | 3,809 |
| Efficiency ratio | 72.1638% | 3,791 |
| Assets per employee ($millions) | 3.3217% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,050 |
| Loan loss allowance to noncurrent loans | 82.8864% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 2.2476% | 3,200 |
| Noncurrent loans to loans | 1.7773% | 4,028 |
| Net loans and leases to total assets | 77.4226% | 1,210 |
| Net loans and leases to deposits | 87.8426% | 2,200 |
| Net loans and leases to core deposits | 92.2590% | 2,948 |
| Total domestic deposits to total assets | 88.1378% | 1,934 |
| Equity capital to assets | 7.7818% | 6,946 |
| Core capital (leverage) ratio | 7.2800% | 7,010 |
| Tier 1 risk-based capital ratio | 9.9832% | 7,035 |
| Total risk-based capital ratio | 11.2370% | 7,011 |
| Memoranda: | ||
| Average total assets | $273,083,000 | 2,386 |
| Average earning assets | $251,342,000 | 2,381 |
| Average equity | $20,779,330 | 3,065 |
| Average total loans | $215,493,670 | 2,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 1,624 |
| Cost of funding earning assets | 1.7671% | 2,028 |
| Net interest margin | 3.9803% | 2,956 |
| Noninterest income to average assets | 0.7446% | 2,329 |
| Noninterest expense to average assets | 3.3251% | 2,450 |
| Loan and lease loss provision to assets | 0.6583% | 1,929 |
| Net operating income to assets | 0.2780% | 5,379 |
| Return on assets (ROA) | 0.5661% | 4,196 |
| Pretax return on assets | 0.8719% | 3,572 |
| Return on Equity (ROE) | 7.5252% | 3,100 |
| Retained earnings to average equity (ytd only) | 7.5252% | 1,911 |
| Net charge-offs to loans | 0.6160% | 2,273 |
| Credit loss provision to net charge-offs | 135.1351% | 2,613 |
| Earnings coverage of net charge-offs (x) | 2.2312% | 3,419 |
| Efficiency ratio | 74.5027% | 3,489 |
| Assets per employee ($millions) | 3.3642% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,263 |
| Loan loss allowance to noncurrent loans | 72.2482% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 2.4117% | 3,015 |
| Noncurrent loans to loans | 1.9798% | 3,816 |
| Net loans and leases to total assets | 76.1355% | 1,515 |
| Net loans and leases to deposits | 85.9467% | 2,596 |
| Net loans and leases to core deposits | 89.8536% | 3,381 |
| Total domestic deposits to total assets | 88.5845% | 1,742 |
| Equity capital to assets | 7.4101% | 7,130 |
| Core capital (leverage) ratio | 7.2532% | 7,068 |
| Tier 1 risk-based capital ratio | 9.6630% | 7,225 |
| Total risk-based capital ratio | 10.9162% | 7,215 |
| Memoranda: | ||
| Average total assets | $273,435,500 | 2,443 |
| Average earning assets | $251,942,000 | 2,425 |
| Average equity | $20,571,000 | 3,122 |
| Average total loans | $216,223,000 | 2,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4112% | 810 |
| Cost of funding earning assets | 2.2615% | 1,798 |
| Net interest margin | 4.1497% | 2,246 |
| Noninterest income to average assets | 0.6083% | 3,563 |
| Noninterest expense to average assets | 3.3581% | 2,811 |
| Loan and lease loss provision to assets | 0.8601% | 2,587 |
| Net operating income to assets | 0.0409% | 5,361 |
| Return on assets (ROA) | 0.1302% | 5,170 |
| Pretax return on assets | 0.2893% | 4,791 |
| Return on Equity (ROE) | 1.6487% | 5,037 |
| Retained earnings to average equity (ytd only) | 1.6487% | 3,929 |
| Net charge-offs to loans | 0.8069% | 2,810 |
| Credit loss provision to net charge-offs | 129.4118% | 3,966 |
| Earnings coverage of net charge-offs (x) | 1.5194% | 4,609 |
| Efficiency ratio | 75.9420% | 3,540 |
| Assets per employee ($millions) | 3.3456% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,391 |
| Loan loss allowance to noncurrent loans | 72.8344% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 3,357 |
| Noncurrent loans to loans | 1.8799% | 3,829 |
| Net loans and leases to total assets | 79.8831% | 1,013 |
| Net loans and leases to deposits | 90.5619% | 2,132 |
| Net loans and leases to core deposits | 130.0734% | 1,282 |
| Total domestic deposits to total assets | 88.2083% | 1,879 |
| Equity capital to assets | 7.6411% | 6,905 |
| Core capital (leverage) ratio | 7.3513% | 6,936 |
| Tier 1 risk-based capital ratio | 9.4266% | 7,268 |
| Total risk-based capital ratio | 10.6788% | 7,249 |
| Memoranda: | ||
| Average total assets | $255,799,000 | 2,557 |
| Average earning assets | $231,750,200 | 2,582 |
| Average equity | $20,198,000 | 3,165 |
| Average total loans | $210,686,800 | 2,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4921% | 758 |
| Cost of funding earning assets | 2.3779% | 1,708 |
| Net interest margin | 4.1142% | 2,339 |
| Noninterest income to average assets | 0.5505% | 4,070 |
| Noninterest expense to average assets | 3.3533% | 2,717 |
| Loan and lease loss provision to assets | 0.6855% | 2,684 |
| Net operating income to assets | 0.0627% | 5,570 |
| Return on assets (ROA) | 0.1123% | 5,484 |
| Pretax return on assets | 0.3053% | 5,050 |
| Return on Equity (ROE) | 1.4104% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.4104% | 4,529 |
| Net charge-offs to loans | 0.7726% | 2,428 |
| Credit loss provision to net charge-offs | 107.2607% | 4,740 |
| Earnings coverage of net charge-offs (x) | 1.4290% | 4,709 |
| Efficiency ratio | 77.6171% | 3,223 |
| Assets per employee ($millions) | 3.3001% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,253 |
| Loan loss allowance to noncurrent loans | 54.4641% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.1300% | 3,187 |
| Noncurrent loans to loans | 2.1602% | 3,430 |
| Net loans and leases to total assets | 82.3501% | 758 |
| Net loans and leases to deposits | 93.7578% | 1,918 |
| Net loans and leases to core deposits | 131.3796% | 1,352 |
| Total domestic deposits to total assets | 87.8328% | 1,733 |
| Equity capital to assets | 7.8528% | 6,983 |
| Core capital (leverage) ratio | 7.5081% | 6,958 |
| Tier 1 risk-based capital ratio | 9.3190% | 7,483 |
| Total risk-based capital ratio | 10.5594% | 7,476 |
| Memoranda: | ||
| Average total assets | $252,837,500 | 2,594 |
| Average earning assets | $228,374,750 | 2,626 |
| Average equity | $20,134,750 | 3,210 |
| Average total loans | $209,165,750 | 2,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5226% | 785 |
| Cost of funding earning assets | 2.4600% | 1,747 |
| Net interest margin | 4.0627% | 2,460 |
| Noninterest income to average assets | 0.4300% | 5,031 |
| Noninterest expense to average assets | 3.3276% | 2,861 |
| Loan and lease loss provision to assets | 0.7993% | 2,091 |
| Net operating income to assets | -0.1394% | 6,084 |
| Return on assets (ROA) | -0.0775% | 6,031 |
| Pretax return on assets | 0.0855% | 5,708 |
| Return on Equity (ROE) | -0.9689% | 6,068 |
| Retained earnings to average equity (ytd only) | -0.9689% | 5,474 |
| Net charge-offs to loans | 0.8999% | 1,900 |
| Credit loss provision to net charge-offs | 107.6426% | 4,286 |
| Earnings coverage of net charge-offs (x) | 1.0614% | 4,723 |
| Efficiency ratio | 79.8407% | 3,063 |
| Assets per employee ($millions) | 3.3036% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,021 |
| Loan loss allowance to noncurrent loans | 89.0565% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 4,277 |
| Noncurrent loans to loans | 1.3351% | 4,544 |
| Net loans and leases to total assets | 84.0408% | 632 |
| Net loans and leases to deposits | 95.8403% | 1,820 |
| Net loans and leases to core deposits | 133.7030% | 1,329 |
| Total domestic deposits to total assets | 87.6883% | 1,934 |
| Equity capital to assets | 7.9209% | 6,846 |
| Core capital (leverage) ratio | 7.3775% | 7,153 |
| Tier 1 risk-based capital ratio | 9.2618% | 7,565 |
| Total risk-based capital ratio | 10.5082% | 7,559 |
| Memoranda: | ||
| Average total assets | $250,213,670 | 2,634 |
| Average earning assets | $226,994,000 | 2,668 |
| Average equity | $20,022,000 | 3,240 |
| Average total loans | $206,471,000 | 2,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4803% | 902 |
| Cost of funding earning assets | 2.5071% | 1,892 |
| Net interest margin | 3.9732% | 2,761 |
| Noninterest income to average assets | 0.8007% | 2,320 |
| Noninterest expense to average assets | 3.2220% | 2,890 |
| Loan and lease loss provision to assets | 1.1210% | 1,163 |
| Net operating income to assets | 0.0528% | 6,117 |
| Return on assets (ROA) | 0.0576% | 6,258 |
| Pretax return on assets | 0.0560% | 6,267 |
| Return on Equity (ROE) | 0.7168% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.7168% | 5,376 |
| Net charge-offs to loans | 1.6912% | 852 |
| Credit loss provision to net charge-offs | 81.5851% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.8531% | 4,340 |
| Efficiency ratio | 72.3761% | 4,124 |
| Assets per employee ($millions) | 3.3745% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 5,354 |
| Loan loss allowance to noncurrent loans | 78.6249% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 3,918 |
| Noncurrent loans to loans | 1.4195% | 4,180 |
| Net loans and leases to total assets | 78.7702% | 1,630 |
| Net loans and leases to deposits | 89.9360% | 2,939 |
| Net loans and leases to core deposits | 123.1215% | 2,152 |
| Total domestic deposits to total assets | 87.5847% | 1,928 |
| Equity capital to assets | 7.7758% | 7,100 |
| Core capital (leverage) ratio | 7.6815% | 6,913 |
| Tier 1 risk-based capital ratio | 9.4339% | 7,483 |
| Total risk-based capital ratio | 10.5825% | 7,533 |
| Memoranda: | ||
| Average total assets | $249,785,000 | 2,646 |
| Average earning assets | $225,916,000 | 2,701 |
| Average equity | $20,089,500 | 3,247 |
| Average total loans | $202,936,000 | 2,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0723% | 963 |
| Cost of funding earning assets | 2.8151% | 2,648 |
| Net interest margin | 4.2572% | 2,097 |
| Noninterest income to average assets | 0.9428% | 1,803 |
| Noninterest expense to average assets | 3.3487% | 2,822 |
| Loan and lease loss provision to assets | 0.6046% | 2,407 |
| Net operating income to assets | 0.5603% | 4,482 |
| Return on assets (ROA) | 0.5603% | 4,335 |
| Pretax return on assets | 0.8963% | 3,737 |
| Return on Equity (ROE) | 6.6076% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.6076% | 1,294 |
| Net charge-offs to loans | 0.5383% | 2,213 |
| Credit loss provision to net charge-offs | 138.9728% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.4502% | 4,363 |
| Efficiency ratio | 68.1030% | 4,708 |
| Assets per employee ($millions) | 3.1965% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 4,229 |
| Loan loss allowance to noncurrent loans | 98.4836% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 3,614 |
| Noncurrent loans to loans | 1.2600% | 3,992 |
| Net loans and leases to total assets | 81.9327% | 1,242 |
| Net loans and leases to deposits | 93.2063% | 2,927 |
| Net loans and leases to core deposits | 129.5700% | 1,881 |
| Total domestic deposits to total assets | 87.9047% | 1,510 |
| Equity capital to assets | 8.3320% | 6,370 |
| Core capital (leverage) ratio | 7.9330% | 6,598 |
| Tier 1 risk-based capital ratio | 10.0557% | 6,680 |
| Total risk-based capital ratio | 11.3063% | 6,555 |
| Memoranda: | ||
| Average total assets | $228,266,800 | 2,790 |
| Average earning assets | $209,478,600 | 2,779 |
| Average equity | $19,356,400 | 3,335 |
| Average total loans | $184,484,400 | 2,454 |