Home > Sovereign Bank > Performance and Condition Ratios
Sovereign 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 | 6.3194% | 422 |
| Cost of funding earning assets | 1.6579% | 1,545 |
| Net interest margin | 4.6615% | 496 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.6408% | 484 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.5079% | 3,654 |
| Return on assets (ROA) | 0.5106% | 3,643 |
| Pretax return on assets | 0.6460% | 3,540 |
| Return on Equity (ROE) | 4.3600% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.3596% | 2,843 |
| Net charge-offs to loans | 0.0003% | 2,900 |
| Credit loss provision to net charge-offs | 119,700.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 4,085.5000% | 22 |
| Efficiency ratio | 80.0249% | 919 |
| Assets per employee ($millions) | 6.0174% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,246 |
| Loan loss allowance to noncurrent loans | 1,850.8532% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,096 |
| Noncurrent loans to loans | 0.0776% | 3,164 |
| Net loans and leases to total assets | 77.2900% | 936 |
| Net loans and leases to deposits | 92.0546% | 1,088 |
| Net loans and leases to core deposits | 98.5436% | 1,519 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 11.4378% | 1,311 |
| Core capital (leverage) ratio | 10.2926% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $899,127,400 | 1,086 |
| Average earning assets | $831,853,000 | 1,078 |
| Average equity | $105,307,000 | 914 |
| Average total loans | $676,857,000 | 989 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1614% | 438 |
| Cost of funding earning assets | 1.4453% | 1,748 |
| Net interest margin | 4.7160% | 452 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 3.6339% | 477 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.6159% | 3,503 |
| Return on assets (ROA) | 0.6170% | 3,495 |
| Pretax return on assets | 0.7915% | 3,355 |
| Return on Equity (ROE) | 5.2300% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.2344% | 2,864 |
| Net charge-offs to loans | -0.0718% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9816% | 935 |
| Assets per employee ($millions) | 5.7999% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,571 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.7900% | 911 |
| Net loans and leases to deposits | 92.3986% | 1,020 |
| Net loans and leases to core deposits | 98.5464% | 1,415 |
| Total domestic deposits to total assets | 84.1900% | 2,720 |
| Equity capital to assets | 11.6183% | 1,147 |
| Core capital (leverage) ratio | 10.6388% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $883,213,500 | 1,102 |
| Average earning assets | $817,700,500 | 1,096 |
| Average equity | $104,103,500 | 916 |
| Average total loans | $657,333,500 | 1,015 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9733% | 455 |
| Cost of funding earning assets | 1.2083% | 1,962 |
| Net interest margin | 4.7650% | 419 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.5947% | 479 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.6425% | 3,481 |
| Return on assets (ROA) | 0.6440% | 3,484 |
| Pretax return on assets | 0.8322% | 3,321 |
| Return on Equity (ROE) | 5.4400% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.4360% | 2,812 |
| Net charge-offs to loans | -0.0060% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4537% | 1,046 |
| Assets per employee ($millions) | 5.4986% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 1,609 |
| Loan loss allowance to noncurrent loans | 8,964.7619% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,731 |
| Noncurrent loans to loans | 0.0154% | 3,661 |
| Net loans and leases to total assets | 73.7200% | 1,326 |
| Net loans and leases to deposits | 88.7006% | 1,285 |
| Net loans and leases to core deposits | 94.0759% | 1,561 |
| Total domestic deposits to total assets | 83.1200% | 3,018 |
| Equity capital to assets | 11.6434% | 1,156 |
| Core capital (leverage) ratio | 10.9313% | 1,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $870,225,333 | 1,101 |
| Average earning assets | $805,084,667 | 1,096 |
| Average equity | $103,091,000 | 918 |
| Average total loans | $634,002,333 | 1,028 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 368 |
| Cost of funding earning assets | 0.9773% | 2,124 |
| Net interest margin | 4.9047% | 326 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 3.4904% | 545 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.8041% | 3,184 |
| Return on assets (ROA) | 0.8071% | 3,127 |
| Pretax return on assets | 1.0130% | 2,951 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7508% | 2,568 |
| Net charge-offs to loans | -0.0066% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.8216% | 1,361 |
| Assets per employee ($millions) | 5.6997% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,577 |
| Loan loss allowance to noncurrent loans | 8,363.5514% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,411 |
| Noncurrent loans to loans | 0.0169% | 3,676 |
| Net loans and leases to total assets | 70.7400% | 1,551 |
| Net loans and leases to deposits | 81.9265% | 1,657 |
| Net loans and leases to core deposits | 90.9125% | 1,570 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 11.4727% | 1,164 |
| Core capital (leverage) ratio | 10.5222% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $848,957,500 | 1,141 |
| Average earning assets | $786,675,000 | 1,131 |
| Average equity | $101,498,500 | 939 |
| Average total loans | $609,834,000 | 1,081 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8493% | 393 |
| Cost of funding earning assets | 0.3690% | 2,341 |
| Net interest margin | 4.4803% | 303 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.8317% | 370 |
| Loan and lease loss provision to assets | 0.5000% | 121 |
| Net operating income to assets | 0.2372% | 4,421 |
| Return on assets (ROA) | 0.2359% | 4,398 |
| Pretax return on assets | 0.2849% | 4,385 |
| Return on Equity (ROE) | 1.9000% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.8981% | 4,000 |
| Net charge-offs to loans | 0.2110% | 392 |
| Credit loss provision to net charge-offs | 327.6351% | 872 |
| Earnings coverage of net charge-offs (x) | 5.1683% | 2,387 |
| Efficiency ratio | 83.0467% | 538 |
| Assets per employee ($millions) | 5.4298% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,225 |
| Loan loss allowance to noncurrent loans | 54,609.0909% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,523 |
| Noncurrent loans to loans | 0.0019% | 3,880 |
| Net loans and leases to total assets | 71.1800% | 1,503 |
| Net loans and leases to deposits | 85.2924% | 1,369 |
| Net loans and leases to core deposits | 88.4912% | 1,583 |
| Total domestic deposits to total assets | 83.4600% | 3,317 |
| Equity capital to assets | 12.4795% | 809 |
| Core capital (leverage) ratio | 10.9568% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $745,960,600 | 1,248 |
| Average earning assets | $684,306,400 | 1,252 |
| Average equity | $92,725,800 | 998 |
| Average total loans | $535,074,800 | 1,122 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 413 |
| Cost of funding earning assets | 0.2935% | 2,240 |
| Net interest margin | 4.3230% | 325 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.7039% | 404 |
| Loan and lease loss provision to assets | 0.6400% | 75 |
| Net operating income to assets | 0.1797% | 4,491 |
| Return on assets (ROA) | 0.1782% | 4,460 |
| Pretax return on assets | 0.2192% | 4,448 |
| Return on Equity (ROE) | 1.4400% | 4,458 |
| Retained earnings to average equity (ytd only) | 1.4350% | 4,151 |
| Net charge-offs to loans | 0.3104% | 208 |
| Credit loss provision to net charge-offs | 287.0066% | 832 |
| Earnings coverage of net charge-offs (x) | 3.8635% | 2,194 |
| Efficiency ratio | 81.1666% | 707 |
| Assets per employee ($millions) | 5.6587% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,415 |
| Loan loss allowance to noncurrent loans | 571,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,620 |
| Noncurrent loans to loans | 0.0002% | 3,990 |
| Net loans and leases to total assets | 69.5400% | 1,525 |
| Net loans and leases to deposits | 87.1593% | 1,092 |
| Net loans and leases to core deposits | 90.4433% | 1,271 |
| Total domestic deposits to total assets | 79.7900% | 4,118 |
| Equity capital to assets | 12.5397% | 762 |
| Core capital (leverage) ratio | 11.2788% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2181% | 1,644 |
| Memoranda: | ||
| Average total assets | $728,835,000 | 1,283 |
| Average earning assets | $667,300,500 | 1,289 |
| Average equity | $90,497,000 | 1,041 |
| Average total loans | $522,400,250 | 1,141 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 452 |
| Cost of funding earning assets | 0.2333% | 2,464 |
| Net interest margin | 4.1476% | 371 |
| Noninterest income to average assets | 0.7793% | 1,100 |
| Noninterest expense to average assets | 3.7001% | 352 |
| Loan and lease loss provision to assets | 0.6171% | 81 |
| Net operating income to assets | 0.1951% | 4,429 |
| Return on assets (ROA) | 0.1949% | 4,392 |
| Pretax return on assets | 0.2455% | 4,353 |
| Return on Equity (ROE) | 1.5756% | 4,396 |
| Retained earnings to average equity (ytd only) | 1.5756% | 3,864 |
| Net charge-offs to loans | -0.0492% | 4,231 |
| Credit loss provision to net charge-offs | -1,737.6000% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0897% | 867 |
| Assets per employee ($millions) | 5.0647% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,201 |
| Loan loss allowance to noncurrent loans | 417.3217% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,161 |
| Noncurrent loans to loans | 0.2612% | 2,433 |
| Net loans and leases to total assets | 74.4303% | 871 |
| Net loans and leases to deposits | 91.3892% | 637 |
| Net loans and leases to core deposits | 95.6564% | 844 |
| Total domestic deposits to total assets | 81.4432% | 4,077 |
| Equity capital to assets | 14.6647% | 439 |
| Core capital (leverage) ratio | 12.9677% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9762% | 995 |
| Memoranda: | ||
| Average total assets | $703,932,667 | 1,315 |
| Average earning assets | $642,151,667 | 1,336 |
| Average equity | $87,075,333 | 1,082 |
| Average total loans | $508,361,667 | 1,151 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 591 |
| Cost of funding earning assets | 0.2633% | 2,001 |
| Net interest margin | 3.8739% | 533 |
| Noninterest income to average assets | 0.3081% | 3,261 |
| Noninterest expense to average assets | 3.5476% | 405 |
| Loan and lease loss provision to assets | 0.0665% | 1,229 |
| Net operating income to assets | 0.1610% | 4,389 |
| Return on assets (ROA) | 0.1592% | 4,362 |
| Pretax return on assets | 0.2132% | 4,310 |
| Return on Equity (ROE) | 1.4076% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.4076% | 3,719 |
| Net charge-offs to loans | -0.0629% | 4,339 |
| Credit loss provision to net charge-offs | -148.1013% | 2,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6377% | 436 |
| Assets per employee ($millions) | 4.9949% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 1,001 |
| Loan loss allowance to noncurrent loans | 286.2662% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 1,250 |
| Noncurrent loans to loans | 0.6043% | 1,553 |
| Net loans and leases to total assets | 72.6634% | 779 |
| Net loans and leases to deposits | 87.3864% | 656 |
| Net loans and leases to core deposits | 91.8881% | 820 |
| Total domestic deposits to total assets | 83.1519% | 3,923 |
| Equity capital to assets | 11.4618% | 1,137 |
| Core capital (leverage) ratio | 9.1659% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1023% | 3,038 |
| Memoranda: | ||
| Average total assets | $703,686,000 | 1,318 |
| Average earning assets | $639,665,000 | 1,346 |
| Average equity | $79,568,000 | 1,205 |
| Average total loans | $502,079,500 | 1,160 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 1,598 |
| Cost of funding earning assets | 0.2668% | 2,732 |
| Net interest margin | 3.6373% | 1,371 |
| Noninterest income to average assets | 0.7159% | 1,709 |
| Noninterest expense to average assets | 3.3387% | 590 |
| Loan and lease loss provision to assets | 0.6742% | 70 |
| Net operating income to assets | 0.0127% | 4,674 |
| Return on assets (ROA) | 0.0719% | 4,654 |
| Pretax return on assets | 0.0719% | 4,659 |
| Return on Equity (ROE) | 0.5566% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.5566% | 4,360 |
| Net charge-offs to loans | 0.3337% | 254 |
| Credit loss provision to net charge-offs | 334.5515% | 1,013 |
| Earnings coverage of net charge-offs (x) | 3.4086% | 2,544 |
| Efficiency ratio | 82.9370% | 625 |
| Assets per employee ($millions) | 5.4399% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 637 |
| Loan loss allowance to noncurrent loans | 1,110.9464% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,835 |
| Noncurrent loans to loans | 0.1774% | 3,055 |
| Net loans and leases to total assets | 67.5044% | 1,320 |
| Net loans and leases to deposits | 80.5932% | 1,162 |
| Net loans and leases to core deposits | 85.6285% | 1,227 |
| Total domestic deposits to total assets | 83.7595% | 3,624 |
| Equity capital to assets | 11.1590% | 1,694 |
| Core capital (leverage) ratio | 9.3336% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8716% | 2,675 |
| Memoranda: | ||
| Average total assets | $448,104,800 | 1,844 |
| Average earning assets | $407,745,000 | 1,878 |
| Average equity | $57,847,400 | 1,566 |
| Average total loans | $270,629,800 | 1,833 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 2,354 |
| Cost of funding earning assets | 0.1762% | 3,858 |
| Net interest margin | 3.4931% | 1,879 |
| Noninterest income to average assets | 0.6523% | 1,999 |
| Noninterest expense to average assets | 3.4487% | 495 |
| Loan and lease loss provision to assets | 0.1059% | 1,143 |
| Net operating income to assets | 0.2416% | 4,585 |
| Return on assets (ROA) | 0.3065% | 4,533 |
| Pretax return on assets | 0.3615% | 4,534 |
| Return on Equity (ROE) | 2.2317% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.2317% | 4,126 |
| Net charge-offs to loans | 0.0037% | 2,216 |
| Credit loss provision to net charge-offs | 5,033.3333% | 165 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 585 |
| Efficiency ratio | 89.8184% | 327 |
| Assets per employee ($millions) | 5.3398% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,391 |
| Loan loss allowance to noncurrent loans | 146.6938% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 832 |
| Noncurrent loans to loans | 1.0769% | 1,052 |
| Net loans and leases to total assets | 76.3702% | 520 |
| Net loans and leases to deposits | 94.0674% | 415 |
| Net loans and leases to core deposits | 104.1535% | 452 |
| Total domestic deposits to total assets | 81.1866% | 4,064 |
| Equity capital to assets | 12.4444% | 1,200 |
| Core capital (leverage) ratio | 10.1726% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1379% | 1,916 |
| Memoranda: | ||
| Average total assets | $380,612,750 | 2,077 |
| Average earning assets | $347,302,000 | 2,113 |
| Average equity | $52,276,750 | 1,719 |
| Average total loans | $214,668,750 | 2,171 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9762% | 4,085 |
| Cost of funding earning assets | 0.0911% | 4,632 |
| Net interest margin | 2.8851% | 3,609 |
| Noninterest income to average assets | 0.5142% | 2,568 |
| Noninterest expense to average assets | 3.0208% | 954 |
| Loan and lease loss provision to assets | 0.1390% | 874 |
| Net operating income to assets | 0.0315% | 4,762 |
| Return on assets (ROA) | 0.2047% | 4,643 |
| Pretax return on assets | 0.1958% | 4,672 |
| Return on Equity (ROE) | 1.3939% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.3939% | 4,261 |
| Net charge-offs to loans | 0.0118% | 1,723 |
| Credit loss provision to net charge-offs | 2,900.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,249 |
| Efficiency ratio | 94.9225% | 239 |
| Assets per employee ($millions) | 3.7202% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,227 |
| Loan loss allowance to noncurrent loans | 52.8816% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 571 |
| Noncurrent loans to loans | 2.1627% | 417 |
| Net loans and leases to total assets | 54.1191% | 3,117 |
| Net loans and leases to deposits | 66.4591% | 2,786 |
| Net loans and leases to core deposits | 67.7887% | 2,980 |
| Total domestic deposits to total assets | 81.4322% | 4,025 |
| Equity capital to assets | 17.6592% | 286 |
| Core capital (leverage) ratio | 10.5244% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2171% | 419 |
| Memoranda: | ||
| Average total assets | $292,110,333 | 2,488 |
| Average earning assets | $270,145,667 | 2,502 |
| Average equity | $42,900,333 | 2,002 |
| Average total loans | $119,104,000 | 3,017 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6750% | 4,506 |
| Cost of funding earning assets | 0.0813% | 4,739 |
| Net interest margin | 2.5938% | 4,164 |
| Noninterest income to average assets | 0.4942% | 2,639 |
| Noninterest expense to average assets | 2.5960% | 1,898 |
| Loan and lease loss provision to assets | 0.1362% | 992 |
| Net operating income to assets | 0.1754% | 4,653 |
| Return on assets (ROA) | 0.1916% | 4,666 |
| Pretax return on assets | 0.1929% | 4,675 |
| Return on Equity (ROE) | 1.4140% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.4140% | 4,139 |
| Net charge-offs to loans | -0.0142% | 3,837 |
| Credit loss provision to net charge-offs | -2,700.0000% | 3,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2501% | 398 |
| Assets per employee ($millions) | 5.2529% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,689 |
| Loan loss allowance to noncurrent loans | 25.1894% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7798% | 314 |
| Noncurrent loans to loans | 4.9431% | 84 |
| Net loans and leases to total assets | 35.3952% | 4,533 |
| Net loans and leases to deposits | 41.1445% | 4,531 |
| Net loans and leases to core deposits | 41.6857% | 4,573 |
| Total domestic deposits to total assets | 86.0265% | 2,732 |
| Equity capital to assets | 13.3550% | 819 |
| Core capital (leverage) ratio | 12.7226% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0511% | 353 |
| Memoranda: | ||
| Average total assets | $317,260,000 | 2,358 |
| Average earning assets | $295,324,000 | 2,363 |
| Average equity | $42,999,500 | 1,986 |
| Average total loans | $112,466,000 | 3,093 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 4,644 |
| Cost of funding earning assets | 0.1800% | 4,645 |
| Net interest margin | 2.8027% | 4,265 |
| Noninterest income to average assets | 0.4638% | 2,797 |
| Noninterest expense to average assets | 2.7521% | 2,072 |
| Loan and lease loss provision to assets | 0.1354% | 2,669 |
| Net operating income to assets | 0.1713% | 4,607 |
| Return on assets (ROA) | 0.1803% | 4,653 |
| Pretax return on assets | 0.1772% | 4,664 |
| Return on Equity (ROE) | 1.2431% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.2431% | 4,127 |
| Net charge-offs to loans | 0.2600% | 669 |
| Credit loss provision to net charge-offs | 149.6183% | 2,427 |
| Earnings coverage of net charge-offs (x) | 3.3550% | 3,094 |
| Efficiency ratio | 90.0656% | 376 |
| Assets per employee ($millions) | 5.1490% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,967 |
| Loan loss allowance to noncurrent loans | 45.1989% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,035 |
| Noncurrent loans to loans | 2.6488% | 369 |
| Net loans and leases to total assets | 34.6293% | 4,625 |
| Net loans and leases to deposits | 40.4646% | 4,650 |
| Net loans and leases to core deposits | 40.9655% | 4,676 |
| Total domestic deposits to total assets | 85.5794% | 2,540 |
| Equity capital to assets | 13.7558% | 856 |
| Core capital (leverage) ratio | 12.1577% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8832% | 356 |
| Memoranda: | ||
| Average total assets | $289,558,000 | 2,345 |
| Average earning assets | $267,773,600 | 2,352 |
| Average equity | $41,991,800 | 1,946 |
| Average total loans | $100,768,200 | 3,216 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0560% | 4,695 |
| Cost of funding earning assets | 0.2098% | 4,635 |
| Net interest margin | 2.8461% | 4,269 |
| Noninterest income to average assets | 0.4704% | 2,742 |
| Noninterest expense to average assets | 2.8611% | 1,799 |
| Loan and lease loss provision to assets | 0.0455% | 3,788 |
| Net operating income to assets | 0.1812% | 4,618 |
| Return on assets (ROA) | 0.1901% | 4,652 |
| Pretax return on assets | 0.2018% | 4,658 |
| Return on Equity (ROE) | 1.2921% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.2921% | 4,154 |
| Net charge-offs to loans | 0.0474% | 1,934 |
| Credit loss provision to net charge-offs | 277.1429% | 1,837 |
| Earnings coverage of net charge-offs (x) | 14.4571% | 2,155 |
| Efficiency ratio | 92.3194% | 299 |
| Assets per employee ($millions) | 5.1217% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,698 |
| Loan loss allowance to noncurrent loans | 179.1130% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,367 |
| Noncurrent loans to loans | 0.6665% | 2,120 |
| Net loans and leases to total assets | 31.6121% | 4,795 |
| Net loans and leases to deposits | 36.6978% | 4,817 |
| Net loans and leases to core deposits | 37.0627% | 4,835 |
| Total domestic deposits to total assets | 86.1417% | 2,009 |
| Equity capital to assets | 12.9376% | 1,210 |
| Core capital (leverage) ratio | 11.9884% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0896% | 303 |
| Memoranda: | ||
| Average total assets | $283,424,500 | 2,359 |
| Average earning assets | $261,776,500 | 2,365 |
| Average equity | $41,688,250 | 1,942 |
| Average total loans | $98,438,750 | 3,268 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3119% | 4,635 |
| Cost of funding earning assets | 0.2466% | 4,631 |
| Net interest margin | 3.0653% | 3,980 |
| Noninterest income to average assets | 0.4415% | 2,849 |
| Noninterest expense to average assets | 2.9661% | 1,668 |
| Loan and lease loss provision to assets | 0.0618% | 3,526 |
| Net operating income to assets | 0.2089% | 4,566 |
| Return on assets (ROA) | 0.2234% | 4,576 |
| Pretax return on assets | 0.2524% | 4,584 |
| Return on Equity (ROE) | 1.4476% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.4476% | 3,954 |
| Net charge-offs to loans | 0.0623% | 1,622 |
| Credit loss provision to net charge-offs | 276.6667% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,001 |
| Efficiency ratio | 90.8759% | 369 |
| Assets per employee ($millions) | 5.5800% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,138 |
| Loan loss allowance to noncurrent loans | 224.7740% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,667 |
| Noncurrent loans to loans | 0.5664% | 2,461 |
| Net loans and leases to total assets | 29.7837% | 4,861 |
| Net loans and leases to deposits | 34.6272% | 4,877 |
| Net loans and leases to core deposits | 35.0082% | 4,891 |
| Total domestic deposits to total assets | 86.0125% | 2,005 |
| Equity capital to assets | 13.1223% | 1,113 |
| Core capital (leverage) ratio | 13.9313% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0101% | 304 |
| Memoranda: | ||
| Average total assets | $268,636,333 | 2,421 |
| Average earning assets | $247,353,333 | 2,436 |
| Average equity | $41,448,333 | 1,938 |
| Average total loans | $96,294,000 | 3,300 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6889% | 4,415 |
| Cost of funding earning assets | 0.3436% | 4,541 |
| Net interest margin | 3.3453% | 3,467 |
| Noninterest income to average assets | 0.5408% | 2,328 |
| Noninterest expense to average assets | 3.3624% | 1,124 |
| Loan and lease loss provision to assets | 0.0415% | 3,256 |
| Net operating income to assets | 0.1725% | 4,564 |
| Return on assets (ROA) | 0.1725% | 4,573 |
| Pretax return on assets | 0.1891% | 4,578 |
| Return on Equity (ROE) | 1.0162% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.0162% | 3,736 |
| Net charge-offs to loans | 0.1046% | 1,055 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 2,047 |
| Efficiency ratio | 93.5826% | 379 |
| Assets per employee ($millions) | 4.2612% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 2,503 |
| Loan loss allowance to noncurrent loans | 79.7587% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,117 |
| Noncurrent loans to loans | 1.5448% | 1,024 |
| Net loans and leases to total assets | 39.9765% | 4,665 |
| Net loans and leases to deposits | 48.7832% | 4,633 |
| Net loans and leases to core deposits | 50.0131% | 4,677 |
| Total domestic deposits to total assets | 81.9474% | 3,436 |
| Equity capital to assets | 17.2103% | 419 |
| Core capital (leverage) ratio | 15.5616% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3987% | 258 |
| Memoranda: | ||
| Average total assets | $241,134,500 | 2,544 |
| Average earning assets | $220,010,000 | 2,572 |
| Average equity | $40,938,000 | 1,950 |
| Average total loans | $95,623,500 | 3,287 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,410 |
| Cost of funding earning assets | 0.3161% | 4,694 |
| Net interest margin | 3.5973% | 3,141 |
| Noninterest income to average assets | 0.6180% | 2,146 |
| Noninterest expense to average assets | 3.5628% | 888 |
| Loan and lease loss provision to assets | -0.0008% | 4,898 |
| Net operating income to assets | 0.2754% | 4,776 |
| Return on assets (ROA) | 0.4144% | 4,606 |
| Pretax return on assets | 0.5368% | 4,511 |
| Return on Equity (ROE) | 2.7298% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.7298% | 3,673 |
| Net charge-offs to loans | 0.1079% | 1,648 |
| Credit loss provision to net charge-offs | -1.9608% | 4,096 |
| Earnings coverage of net charge-offs (x) | 8.9118% | 2,721 |
| Efficiency ratio | 90.8210% | 320 |
| Assets per employee ($millions) | 4.2745% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,127 |
| Loan loss allowance to noncurrent loans | 81.6747% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 2,053 |
| Noncurrent loans to loans | 1.5391% | 929 |
| Net loans and leases to total assets | 38.3646% | 4,788 |
| Net loans and leases to deposits | 46.5547% | 4,771 |
| Net loans and leases to core deposits | 47.6944% | 4,800 |
| Total domestic deposits to total assets | 82.4075% | 3,396 |
| Equity capital to assets | 16.7490% | 499 |
| Core capital (leverage) ratio | 15.0722% | 672 |
| Tier 1 risk-based capital ratio | 30.2066% | 467 |
| Total risk-based capital ratio | 31.2001% | 469 |
| Memoranda: | ||
| Average total assets | $252,442,800 | 2,443 |
| Average earning assets | $231,925,200 | 2,459 |
| Average equity | $38,317,800 | 1,998 |
| Average total loans | $94,517,200 | 3,305 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 4,470 |
| Cost of funding earning assets | 0.3032% | 4,791 |
| Net interest margin | 3.6388% | 3,137 |
| Noninterest income to average assets | 0.5707% | 2,350 |
| Noninterest expense to average assets | 3.5086% | 935 |
| Loan and lease loss provision to assets | -0.0026% | 5,031 |
| Net operating income to assets | 0.3364% | 4,797 |
| Return on assets (ROA) | 0.4398% | 4,676 |
| Pretax return on assets | 0.5493% | 4,624 |
| Return on Equity (ROE) | 2.9711% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.9711% | 3,895 |
| Net charge-offs to loans | 0.0988% | 1,486 |
| Credit loss provision to net charge-offs | -7.1429% | 3,959 |
| Earnings coverage of net charge-offs (x) | 11.3858% | 2,447 |
| Efficiency ratio | 89.3705% | 347 |
| Assets per employee ($millions) | 4.3607% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,075 |
| Loan loss allowance to noncurrent loans | 304.5000% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,878 |
| Noncurrent loans to loans | 0.4197% | 3,042 |
| Net loans and leases to total assets | 37.2022% | 4,896 |
| Net loans and leases to deposits | 44.6901% | 4,896 |
| Net loans and leases to core deposits | 46.4560% | 4,908 |
| Total domestic deposits to total assets | 83.2448% | 3,084 |
| Equity capital to assets | 15.3540% | 762 |
| Core capital (leverage) ratio | 13.4076% | 1,166 |
| Tier 1 risk-based capital ratio | 27.7114% | 592 |
| Total risk-based capital ratio | 28.6968% | 595 |
| Memoranda: | ||
| Average total assets | $254,642,500 | 2,447 |
| Average earning assets | $234,795,500 | 2,459 |
| Average equity | $37,695,250 | 2,032 |
| Average total loans | $94,480,750 | 3,345 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 4,533 |
| Cost of funding earning assets | 0.2922% | 4,845 |
| Net interest margin | 3.6188% | 3,196 |
| Noninterest income to average assets | 0.5533% | 2,372 |
| Noninterest expense to average assets | 3.3885% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4130% | 4,713 |
| Return on assets (ROA) | 0.4130% | 4,734 |
| Pretax return on assets | 0.5125% | 4,683 |
| Return on Equity (ROE) | 2.8245% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.8245% | 3,797 |
| Net charge-offs to loans | 0.0807% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 17.2105% | 1,901 |
| Efficiency ratio | 86.8622% | 500 |
| Assets per employee ($millions) | 4.7748% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 1,910 |
| Loan loss allowance to noncurrent loans | 339.1892% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,990 |
| Noncurrent loans to loans | 0.3901% | 3,127 |
| Net loans and leases to total assets | 35.0028% | 5,007 |
| Net loans and leases to deposits | 41.4265% | 5,014 |
| Net loans and leases to core deposits | 42.8949% | 5,026 |
| Total domestic deposits to total assets | 84.4938% | 2,685 |
| Equity capital to assets | 14.4620% | 960 |
| Core capital (leverage) ratio | 13.5868% | 1,084 |
| Tier 1 risk-based capital ratio | 27.4683% | 591 |
| Total risk-based capital ratio | 28.4825% | 593 |
| Memoranda: | ||
| Average total assets | $255,217,330 | 2,450 |
| Average earning assets | $236,099,670 | 2,454 |
| Average equity | $37,316,000 | 2,044 |
| Average total loans | $94,204,670 | 3,372 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 4,493 |
| Cost of funding earning assets | 0.2874% | 4,879 |
| Net interest margin | 3.6496% | 3,075 |
| Noninterest income to average assets | 0.5106% | 2,490 |
| Noninterest expense to average assets | 3.4536% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3468% | 4,842 |
| Return on assets (ROA) | 0.3468% | 4,849 |
| Pretax return on assets | 0.4207% | 4,810 |
| Return on Equity (ROE) | 2.3581% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.3581% | 3,965 |
| Net charge-offs to loans | 0.3664% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.0465% | 2,436 |
| Efficiency ratio | 89.1421% | 429 |
| Assets per employee ($millions) | 4.6365% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,042 |
| Loan loss allowance to noncurrent loans | 450.3731% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,791 |
| Noncurrent loans to loans | 0.2911% | 3,523 |
| Net loans and leases to total assets | 36.2903% | 5,011 |
| Net loans and leases to deposits | 42.9434% | 5,012 |
| Net loans and leases to core deposits | 43.9445% | 5,043 |
| Total domestic deposits to total assets | 84.5071% | 2,847 |
| Equity capital to assets | 14.8171% | 792 |
| Core capital (leverage) ratio | 14.3358% | 856 |
| Tier 1 risk-based capital ratio | 28.1415% | 549 |
| Total risk-based capital ratio | 29.1584% | 552 |
| Memoranda: | ||
| Average total assets | $249,131,000 | 2,523 |
| Average earning assets | $229,612,000 | 2,524 |
| Average equity | $36,639,000 | 2,073 |
| Average total loans | $93,882,500 | 3,411 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,566 |
| Cost of funding earning assets | 0.2735% | 4,692 |
| Net interest margin | 3.4904% | 3,738 |
| Noninterest income to average assets | 0.5892% | 2,355 |
| Noninterest expense to average assets | 3.4668% | 1,041 |
| Loan and lease loss provision to assets | -0.0353% | 5,161 |
| Net operating income to assets | 0.3082% | 4,997 |
| Return on assets (ROA) | 0.3082% | 4,991 |
| Pretax return on assets | 0.3602% | 4,979 |
| Return on Equity (ROE) | 2.0626% | 5,038 |
| Retained earnings to average equity (ytd only) | 2.0626% | 4,334 |
| Net charge-offs to loans | -0.0332% | 4,848 |
| Credit loss provision to net charge-offs | 264.5161% | 1,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4302% | 294 |
| Assets per employee ($millions) | 4.3489% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,817 |
| Loan loss allowance to noncurrent loans | 174.1588% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 2,895 |
| Noncurrent loans to loans | 0.7764% | 2,066 |
| Net loans and leases to total assets | 38.0828% | 5,012 |
| Net loans and leases to deposits | 45.5163% | 4,994 |
| Net loans and leases to core deposits | 46.7249% | 5,014 |
| Total domestic deposits to total assets | 83.6685% | 3,097 |
| Equity capital to assets | 14.5952% | 808 |
| Core capital (leverage) ratio | 14.1271% | 887 |
| Tier 1 risk-based capital ratio | 27.9600% | 567 |
| Total risk-based capital ratio | 29.0456% | 565 |
| Memoranda: | ||
| Average total assets | $232,349,200 | 2,603 |
| Average earning assets | $213,182,200 | 2,617 |
| Average equity | $34,713,400 | 2,087 |
| Average total loans | $93,288,200 | 3,417 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,754 |
| Cost of funding earning assets | 0.2570% | 4,749 |
| Net interest margin | 3.3722% | 4,094 |
| Noninterest income to average assets | 0.5801% | 2,416 |
| Noninterest expense to average assets | 3.4117% | 1,101 |
| Loan and lease loss provision to assets | -0.0479% | 5,285 |
| Net operating income to assets | 0.2982% | 5,096 |
| Return on assets (ROA) | 0.2982% | 5,090 |
| Pretax return on assets | 0.3105% | 5,126 |
| Return on Equity (ROE) | 1.9837% | 5,133 |
| Retained earnings to average equity (ytd only) | 1.9837% | 4,585 |
| Net charge-offs to loans | -0.0403% | 4,856 |
| Credit loss provision to net charge-offs | 292.8571% | 1,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8526% | 262 |
| Assets per employee ($millions) | 4.2324% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 1,818 |
| Loan loss allowance to noncurrent loans | 96.7742% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,213 |
| Noncurrent loans to loans | 1.4160% | 1,172 |
| Net loans and leases to total assets | 37.8235% | 5,086 |
| Net loans and leases to deposits | 44.3902% | 5,103 |
| Net loans and leases to core deposits | 45.5571% | 5,121 |
| Total domestic deposits to total assets | 85.2071% | 2,525 |
| Equity capital to assets | 13.9049% | 990 |
| Core capital (leverage) ratio | 14.5299% | 814 |
| Tier 1 risk-based capital ratio | 27.2723% | 610 |
| Total risk-based capital ratio | 28.3733% | 609 |
| Memoranda: | ||
| Average total assets | $228,464,250 | 2,635 |
| Average earning assets | $209,627,750 | 2,655 |
| Average equity | $34,346,750 | 2,103 |
| Average total loans | $92,686,000 | 3,455 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,698 |
| Cost of funding earning assets | 0.2630% | 4,676 |
| Net interest margin | 3.3798% | 4,017 |
| Noninterest income to average assets | 0.6077% | 2,282 |
| Noninterest expense to average assets | 3.4633% | 1,044 |
| Loan and lease loss provision to assets | -0.0736% | 5,397 |
| Net operating income to assets | 0.2971% | 5,118 |
| Return on assets (ROA) | 0.2971% | 5,113 |
| Pretax return on assets | 0.3097% | 5,155 |
| Return on Equity (ROE) | 1.9234% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.9234% | 4,487 |
| Net charge-offs to loans | -0.0651% | 5,009 |
| Credit loss provision to net charge-offs | 273.3333% | 1,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6181% | 271 |
| Assets per employee ($millions) | 3.8111% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,599 |
| Loan loss allowance to noncurrent loans | 108.7468% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 2,264 |
| Noncurrent loans to loans | 1.3240% | 1,287 |
| Net loans and leases to total assets | 39.3634% | 5,073 |
| Net loans and leases to deposits | 46.8625% | 5,064 |
| Net loans and leases to core deposits | 48.2396% | 5,084 |
| Total domestic deposits to total assets | 83.9978% | 3,070 |
| Equity capital to assets | 15.2315% | 647 |
| Core capital (leverage) ratio | 15.1776% | 633 |
| Tier 1 risk-based capital ratio | 29.3387% | 502 |
| Total risk-based capital ratio | 30.5313% | 498 |
| Memoranda: | ||
| Average total assets | $222,791,670 | 2,702 |
| Average earning assets | $203,799,670 | 2,717 |
| Average equity | $34,417,670 | 2,111 |
| Average total loans | $92,201,330 | 3,476 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 4,419 |
| Cost of funding earning assets | 0.2947% | 4,391 |
| Net interest margin | 3.4276% | 3,787 |
| Noninterest income to average assets | 0.6079% | 2,220 |
| Noninterest expense to average assets | 3.4758% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2453% | 5,188 |
| Return on assets (ROA) | 0.2453% | 5,189 |
| Pretax return on assets | 0.2579% | 5,205 |
| Return on Equity (ROE) | 1.5767% | 5,238 |
| Retained earnings to average equity (ytd only) | 1.5767% | 4,466 |
| Net charge-offs to loans | -0.1884% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0918% | 333 |
| Assets per employee ($millions) | 3.6996% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,452 |
| Loan loss allowance to noncurrent loans | 194.5378% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 3,037 |
| Noncurrent loans to loans | 0.7732% | 2,273 |
| Net loans and leases to total assets | 41.6692% | 4,994 |
| Net loans and leases to deposits | 50.3153% | 4,948 |
| Net loans and leases to core deposits | 51.2749% | 5,003 |
| Total domestic deposits to total assets | 82.8161% | 3,721 |
| Equity capital to assets | 15.6702% | 545 |
| Core capital (leverage) ratio | 15.0210% | 655 |
| Tier 1 risk-based capital ratio | 27.6335% | 579 |
| Total risk-based capital ratio | 28.8436% | 574 |
| Memoranda: | ||
| Average total assets | $221,759,500 | 2,741 |
| Average earning assets | $202,238,000 | 2,764 |
| Average equity | $34,502,000 | 2,123 |
| Average total loans | $93,400,000 | 3,475 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1642% | 5,230 |
| Cost of funding earning assets | 0.2039% | 4,918 |
| Net interest margin | 2.9603% | 4,961 |
| Noninterest income to average assets | 0.7753% | 1,663 |
| Noninterest expense to average assets | 3.2625% | 1,453 |
| Loan and lease loss provision to assets | -0.0371% | 5,370 |
| Net operating income to assets | 0.2335% | 5,041 |
| Return on assets (ROA) | 0.2338% | 5,054 |
| Pretax return on assets | 0.2507% | 5,262 |
| Return on Equity (ROE) | 1.6722% | 5,116 |
| Retained earnings to average equity (ytd only) | 1.6722% | 4,300 |
| Net charge-offs to loans | -0.1733% | 5,496 |
| Credit loss provision to net charge-offs | 60.0000% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8657% | 300 |
| Assets per employee ($millions) | 3.8177% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,671 |
| Loan loss allowance to noncurrent loans | 172.6573% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 3,007 |
| Noncurrent loans to loans | 0.8247% | 2,159 |
| Net loans and leases to total assets | 41.3385% | 5,088 |
| Net loans and leases to deposits | 50.6167% | 5,040 |
| Net loans and leases to core deposits | 51.6376% | 5,076 |
| Total domestic deposits to total assets | 81.6697% | 3,948 |
| Equity capital to assets | 15.4498% | 593 |
| Core capital (leverage) ratio | 14.7374% | 672 |
| Tier 1 risk-based capital ratio | 26.3919% | 633 |
| Total risk-based capital ratio | 27.5180% | 636 |
| Memoranda: | ||
| Average total assets | $242,479,400 | 2,547 |
| Average earning assets | $221,196,400 | 2,572 |
| Average equity | $33,908,400 | 2,135 |
| Average total loans | $86,577,800 | 3,597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 5,352 |
| Cost of funding earning assets | 0.2041% | 4,942 |
| Net interest margin | 2.8791% | 5,115 |
| Noninterest income to average assets | 0.7818% | 1,657 |
| Noninterest expense to average assets | 3.2259% | 1,505 |
| Loan and lease loss provision to assets | -0.0486% | 5,523 |
| Net operating income to assets | 0.2236% | 5,328 |
| Return on assets (ROA) | 0.2231% | 5,345 |
| Pretax return on assets | 0.2334% | 5,358 |
| Return on Equity (ROE) | 1.6347% | 5,356 |
| Retained earnings to average equity (ytd only) | 1.6347% | 4,772 |
| Net charge-offs to loans | -0.1781% | 5,513 |
| Credit loss provision to net charge-offs | 79.6460% | 2,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5676% | 275 |
| Assets per employee ($millions) | 3.6426% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,549 |
| Loan loss allowance to noncurrent loans | 108.3679% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 2,924 |
| Noncurrent loans to loans | 1.3802% | 1,364 |
| Net loans and leases to total assets | 36.9523% | 5,309 |
| Net loans and leases to deposits | 44.1475% | 5,310 |
| Net loans and leases to core deposits | 45.4208% | 5,329 |
| Total domestic deposits to total assets | 83.7019% | 3,229 |
| Equity capital to assets | 14.5587% | 842 |
| Core capital (leverage) ratio | 13.3099% | 1,103 |
| Tier 1 risk-based capital ratio | 27.7967% | 580 |
| Total risk-based capital ratio | 28.9974% | 570 |
| Memoranda: | ||
| Average total assets | $246,788,000 | 2,529 |
| Average earning assets | $225,390,500 | 2,564 |
| Average equity | $33,685,500 | 2,160 |
| Average total loans | $84,607,750 | 3,672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0362% | 5,410 |
| Cost of funding earning assets | 0.1898% | 5,070 |
| Net interest margin | 2.8464% | 5,176 |
| Noninterest income to average assets | 0.7623% | 1,716 |
| Noninterest expense to average assets | 3.1002% | 1,840 |
| Loan and lease loss provision to assets | 0.0477% | 3,038 |
| Net operating income to assets | 0.2051% | 5,391 |
| Return on assets (ROA) | 0.2013% | 5,409 |
| Pretax return on assets | 0.2125% | 5,424 |
| Return on Equity (ROE) | 1.5059% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.5059% | 4,646 |
| Net charge-offs to loans | 0.1100% | 1,532 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 7.2174% | 2,625 |
| Efficiency ratio | 92.1476% | 359 |
| Assets per employee ($millions) | 3.8151% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,448 |
| Loan loss allowance to noncurrent loans | 92.0624% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 2,643 |
| Noncurrent loans to loans | 1.6688% | 1,095 |
| Net loans and leases to total assets | 32.5703% | 5,485 |
| Net loans and leases to deposits | 38.5820% | 5,491 |
| Net loans and leases to core deposits | 39.7719% | 5,507 |
| Total domestic deposits to total assets | 84.4184% | 3,047 |
| Equity capital to assets | 13.2577% | 1,248 |
| Core capital (leverage) ratio | 12.6181% | 1,330 |
| Tier 1 risk-based capital ratio | 26.2938% | 655 |
| Total risk-based capital ratio | 27.3986% | 642 |
| Memoranda: | ||
| Average total assets | $251,342,330 | 2,505 |
| Average earning assets | $229,760,670 | 2,530 |
| Average equity | $33,600,670 | 2,161 |
| Average total loans | $83,659,330 | 3,701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0698% | 5,395 |
| Cost of funding earning assets | 0.1864% | 5,099 |
| Net interest margin | 2.8834% | 5,117 |
| Noninterest income to average assets | 0.7030% | 1,955 |
| Noninterest expense to average assets | 3.0866% | 1,899 |
| Loan and lease loss provision to assets | 0.0482% | 2,852 |
| Net operating income to assets | 0.1906% | 5,408 |
| Return on assets (ROA) | 0.1830% | 5,433 |
| Pretax return on assets | 0.1926% | 5,440 |
| Return on Equity (ROE) | 1.3629% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.3629% | 4,553 |
| Net charge-offs to loans | 0.2019% | 856 |
| Credit loss provision to net charge-offs | 71.4286% | 1,823 |
| Earnings coverage of net charge-offs (x) | 3.6905% | 2,460 |
| Efficiency ratio | 92.5409% | 426 |
| Assets per employee ($millions) | 3.7682% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,413 |
| Loan loss allowance to noncurrent loans | 197.0588% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 3,639 |
| Noncurrent loans to loans | 0.8060% | 2,435 |
| Net loans and leases to total assets | 31.2411% | 5,559 |
| Net loans and leases to deposits | 36.2497% | 5,578 |
| Net loans and leases to core deposits | 37.2477% | 5,593 |
| Total domestic deposits to total assets | 86.1830% | 2,589 |
| Equity capital to assets | 13.3033% | 1,148 |
| Core capital (leverage) ratio | 12.5301% | 1,322 |
| Tier 1 risk-based capital ratio | 27.3641% | 603 |
| Total risk-based capital ratio | 28.4964% | 597 |
| Memoranda: | ||
| Average total assets | $249,208,500 | 2,552 |
| Average earning assets | $227,507,000 | 2,575 |
| Average equity | $33,457,000 | 2,177 |
| Average total loans | $83,213,000 | 3,735 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 5,458 |
| Cost of funding earning assets | 0.1740% | 5,256 |
| Net interest margin | 2.8774% | 5,171 |
| Noninterest income to average assets | 0.7945% | 1,764 |
| Noninterest expense to average assets | 3.1164% | 1,988 |
| Loan and lease loss provision to assets | 0.0475% | 3,439 |
| Net operating income to assets | 0.2252% | 5,368 |
| Return on assets (ROA) | 0.2528% | 5,385 |
| Pretax return on assets | 0.2897% | 5,375 |
| Return on Equity (ROE) | 1.9419% | 5,416 |
| Retained earnings to average equity (ytd only) | 1.9419% | 4,430 |
| Net charge-offs to loans | 0.4625% | 546 |
| Credit loss provision to net charge-offs | 29.3399% | 3,600 |
| Earnings coverage of net charge-offs (x) | 1.8851% | 3,925 |
| Efficiency ratio | 91.0723% | 499 |
| Assets per employee ($millions) | 4.0991% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,711 |
| Loan loss allowance to noncurrent loans | 66.1348% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,042 |
| Noncurrent loans to loans | 2.2520% | 749 |
| Net loans and leases to total assets | 34.5577% | 5,536 |
| Net loans and leases to deposits | 40.2031% | 5,548 |
| Net loans and leases to core deposits | 41.5268% | 5,557 |
| Total domestic deposits to total assets | 85.9578% | 2,602 |
| Equity capital to assets | 13.5506% | 1,023 |
| Core capital (leverage) ratio | 13.0918% | 1,103 |
| Tier 1 risk-based capital ratio | 25.1138% | 763 |
| Total risk-based capital ratio | 26.1663% | 763 |
| Memoranda: | ||
| Average total assets | $252,372,200 | 2,486 |
| Average earning assets | $230,450,400 | 2,510 |
| Average equity | $32,853,600 | 2,187 |
| Average total loans | $88,441,600 | 3,608 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0765% | 5,496 |
| Cost of funding earning assets | 0.1764% | 5,293 |
| Net interest margin | 2.9001% | 5,188 |
| Noninterest income to average assets | 0.7544% | 1,948 |
| Noninterest expense to average assets | 3.1797% | 1,828 |
| Loan and lease loss provision to assets | 0.0472% | 3,304 |
| Net operating income to assets | 0.1730% | 5,515 |
| Return on assets (ROA) | 0.2105% | 5,511 |
| Pretax return on assets | 0.2152% | 5,544 |
| Return on Equity (ROE) | 1.6333% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.6333% | 4,857 |
| Net charge-offs to loans | 0.5694% | 370 |
| Credit loss provision to net charge-offs | 23.6842% | 3,268 |
| Earnings coverage of net charge-offs (x) | 1.1237% | 3,729 |
| Efficiency ratio | 93.4146% | 409 |
| Assets per employee ($millions) | 3.9479% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,865 |
| Loan loss allowance to noncurrent loans | 53.4110% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 1,929 |
| Noncurrent loans to loans | 2.7600% | 588 |
| Net loans and leases to total assets | 35.6343% | 5,566 |
| Net loans and leases to deposits | 41.6635% | 5,590 |
| Net loans and leases to core deposits | 42.8851% | 5,614 |
| Total domestic deposits to total assets | 85.5289% | 2,593 |
| Equity capital to assets | 13.7158% | 1,157 |
| Core capital (leverage) ratio | 12.2627% | 1,505 |
| Tier 1 risk-based capital ratio | 24.4379% | 865 |
| Total risk-based capital ratio | 25.5000% | 865 |
| Memoranda: | ||
| Average total assets | $253,979,000 | 2,483 |
| Average earning assets | $232,034,500 | 2,507 |
| Average equity | $32,735,250 | 2,203 |
| Average total loans | $88,982,500 | 3,619 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0486% | 5,601 |
| Cost of funding earning assets | 0.1774% | 5,348 |
| Net interest margin | 2.8712% | 5,311 |
| Noninterest income to average assets | 0.7106% | 2,093 |
| Noninterest expense to average assets | 3.0871% | 2,095 |
| Loan and lease loss provision to assets | 0.0464% | 3,221 |
| Net operating income to assets | 0.1895% | 5,544 |
| Return on assets (ROA) | 0.2346% | 5,524 |
| Pretax return on assets | 0.2415% | 5,569 |
| Return on Equity (ROE) | 1.8568% | 5,539 |
| Retained earnings to average equity (ytd only) | 1.8568% | 4,628 |
| Net charge-offs to loans | 0.7388% | 277 |
| Credit loss provision to net charge-offs | 18.1269% | 2,941 |
| Earnings coverage of net charge-offs (x) | 0.9426% | 3,468 |
| Efficiency ratio | 92.7442% | 463 |
| Assets per employee ($millions) | 4.0543% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,860 |
| Loan loss allowance to noncurrent loans | 58.6409% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,859 |
| Noncurrent loans to loans | 2.5590% | 670 |
| Net loans and leases to total assets | 33.4855% | 5,696 |
| Net loans and leases to deposits | 38.9363% | 5,724 |
| Net loans and leases to core deposits | 40.2954% | 5,732 |
| Total domestic deposits to total assets | 86.0008% | 2,422 |
| Equity capital to assets | 12.9104% | 1,560 |
| Core capital (leverage) ratio | 11.7004% | 1,848 |
| Tier 1 risk-based capital ratio | 23.9144% | 913 |
| Total risk-based capital ratio | 24.9723% | 908 |
| Memoranda: | ||
| Average total assets | $258,364,000 | 2,465 |
| Average earning assets | $235,582,670 | 2,489 |
| Average equity | $32,636,670 | 2,217 |
| Average total loans | $89,610,000 | 3,624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 5,631 |
| Cost of funding earning assets | 0.1891% | 5,295 |
| Net interest margin | 2.8822% | 5,355 |
| Noninterest income to average assets | 0.8390% | 1,477 |
| Noninterest expense to average assets | 3.1697% | 1,906 |
| Loan and lease loss provision to assets | 0.0462% | 2,992 |
| Net operating income to assets | 0.2431% | 5,447 |
| Return on assets (ROA) | 0.2879% | 5,418 |
| Pretax return on assets | 0.2971% | 5,513 |
| Return on Equity (ROE) | 2.3039% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.3039% | 4,331 |
| Net charge-offs to loans | -0.2154% | 5,870 |
| Credit loss provision to net charge-offs | -61.2245% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4298% | 584 |
| Assets per employee ($millions) | 4.3170% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 1,099 |
| Loan loss allowance to noncurrent loans | 320.3488% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 3,636 |
| Noncurrent loans to loans | 0.5706% | 3,482 |
| Net loans and leases to total assets | 33.1713% | 5,745 |
| Net loans and leases to deposits | 37.9599% | 5,779 |
| Net loans and leases to core deposits | 39.4056% | 5,788 |
| Total domestic deposits to total assets | 87.3852% | 2,006 |
| Equity capital to assets | 12.2207% | 1,878 |
| Core capital (leverage) ratio | 12.0911% | 1,552 |
| Tier 1 risk-based capital ratio | 23.0419% | 1,006 |
| Total risk-based capital ratio | 24.2926% | 991 |
| Memoranda: | ||
| Average total assets | $259,835,500 | 2,463 |
| Average earning assets | $236,905,500 | 2,494 |
| Average equity | $32,467,000 | 2,221 |
| Average total loans | $90,999,000 | 3,603 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 5,490 |
| Cost of funding earning assets | 0.1805% | 5,450 |
| Net interest margin | 3.0401% | 5,048 |
| Noninterest income to average assets | 0.6644% | 2,381 |
| Noninterest expense to average assets | 3.2010% | 1,971 |
| Loan and lease loss provision to assets | 0.0594% | 3,117 |
| Net operating income to assets | 0.1809% | 5,618 |
| Return on assets (ROA) | 0.1924% | 5,649 |
| Pretax return on assets | 0.2178% | 5,665 |
| Return on Equity (ROE) | 1.5360% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.5360% | 4,846 |
| Net charge-offs to loans | 0.3707% | 779 |
| Credit loss provision to net charge-offs | 43.1034% | 3,495 |
| Earnings coverage of net charge-offs (x) | 1.9167% | 4,009 |
| Efficiency ratio | 92.3780% | 551 |
| Assets per employee ($millions) | 4.0648% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,313 |
| Loan loss allowance to noncurrent loans | 231.8115% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 2,930 |
| Noncurrent loans to loans | 0.7416% | 2,953 |
| Net loans and leases to total assets | 35.7066% | 5,721 |
| Net loans and leases to deposits | 42.7088% | 5,688 |
| Net loans and leases to core deposits | 44.5833% | 5,698 |
| Total domestic deposits to total assets | 83.6047% | 3,631 |
| Equity capital to assets | 12.7868% | 1,468 |
| Core capital (leverage) ratio | 11.6950% | 1,820 |
| Tier 1 risk-based capital ratio | 23.5891% | 947 |
| Total risk-based capital ratio | 24.8397% | 939 |
| Memoranda: | ||
| Average total assets | $252,545,000 | 2,484 |
| Average earning assets | $232,653,600 | 2,484 |
| Average equity | $31,640,000 | 2,219 |
| Average total loans | $93,865,800 | 3,507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2291% | 5,545 |
| Cost of funding earning assets | 0.1797% | 5,556 |
| Net interest margin | 3.0495% | 5,077 |
| Noninterest income to average assets | 0.6575% | 2,439 |
| Noninterest expense to average assets | 3.2135% | 1,934 |
| Loan and lease loss provision to assets | 0.0633% | 2,917 |
| Net operating income to assets | 0.1973% | 5,684 |
| Return on assets (ROA) | 0.1973% | 5,743 |
| Pretax return on assets | 0.2016% | 5,786 |
| Return on Equity (ROE) | 1.5833% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.5833% | 5,073 |
| Net charge-offs to loans | 0.3685% | 706 |
| Credit loss provision to net charge-offs | 45.9770% | 3,082 |
| Earnings coverage of net charge-offs (x) | 1.9234% | 3,762 |
| Efficiency ratio | 92.3847% | 547 |
| Assets per employee ($millions) | 3.9298% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,191 |
| Loan loss allowance to noncurrent loans | 224.9655% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,054 |
| Noncurrent loans to loans | 0.8168% | 2,928 |
| Net loans and leases to total assets | 34.1121% | 5,849 |
| Net loans and leases to deposits | 39.2241% | 5,891 |
| Net loans and leases to core deposits | 41.1285% | 5,880 |
| Total domestic deposits to total assets | 86.9673% | 2,061 |
| Equity capital to assets | 12.4807% | 1,752 |
| Core capital (leverage) ratio | 11.2956% | 2,203 |
| Tier 1 risk-based capital ratio | 23.2032% | 1,030 |
| Total risk-based capital ratio | 24.4550% | 1,013 |
| Memoranda: | ||
| Average total assets | $252,676,750 | 2,507 |
| Average earning assets | $233,740,750 | 2,493 |
| Average equity | $31,493,750 | 2,240 |
| Average total loans | $94,442,000 | 3,519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 5,547 |
| Cost of funding earning assets | 0.1837% | 5,584 |
| Net interest margin | 3.0591% | 5,067 |
| Noninterest income to average assets | 0.6188% | 2,633 |
| Noninterest expense to average assets | 3.2229% | 1,915 |
| Loan and lease loss provision to assets | 0.0715% | 2,684 |
| Net operating income to assets | 0.1636% | 5,780 |
| Return on assets (ROA) | 0.1636% | 5,832 |
| Pretax return on assets | 0.1684% | 5,858 |
| Return on Equity (ROE) | 1.3136% | 5,832 |
| Retained earnings to average equity (ytd only) | 1.3136% | 5,023 |
| Net charge-offs to loans | 0.6477% | 359 |
| Credit loss provision to net charge-offs | 28.8462% | 2,936 |
| Earnings coverage of net charge-offs (x) | 0.9679% | 3,594 |
| Efficiency ratio | 93.0718% | 571 |
| Assets per employee ($millions) | 4.3304% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,589 |
| Loan loss allowance to noncurrent loans | 190.4177% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,195 |
| Noncurrent loans to loans | 0.8945% | 2,892 |
| Net loans and leases to total assets | 35.0107% | 5,863 |
| Net loans and leases to deposits | 40.0926% | 5,895 |
| Net loans and leases to core deposits | 43.2087% | 5,857 |
| Total domestic deposits to total assets | 87.3247% | 2,001 |
| Equity capital to assets | 12.2914% | 1,810 |
| Core capital (leverage) ratio | 11.2148% | 2,233 |
| Tier 1 risk-based capital ratio | 23.3915% | 1,027 |
| Total risk-based capital ratio | 24.6430% | 1,011 |
| Memoranda: | ||
| Average total assets | $251,757,670 | 2,535 |
| Average earning assets | $234,052,670 | 2,506 |
| Average equity | $31,365,000 | 2,255 |
| Average total loans | $96,334,330 | 3,501 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2983% | 5,458 |
| Cost of funding earning assets | 0.1806% | 5,676 |
| Net interest margin | 3.1178% | 4,891 |
| Noninterest income to average assets | 0.6643% | 2,340 |
| Noninterest expense to average assets | 3.2430% | 1,862 |
| Loan and lease loss provision to assets | 0.0720% | 2,499 |
| Net operating income to assets | 0.2417% | 5,583 |
| Return on assets (ROA) | 0.2417% | 5,675 |
| Pretax return on assets | 0.2513% | 5,751 |
| Return on Equity (ROE) | 1.9269% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.9269% | 4,702 |
| Net charge-offs to loans | 1.2606% | 165 |
| Credit loss provision to net charge-offs | 14.4231% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.6474% | 3,025 |
| Efficiency ratio | 90.9336% | 786 |
| Assets per employee ($millions) | 4.1261% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,283 |
| Loan loss allowance to noncurrent loans | 110.6618% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 3,657 |
| Noncurrent loans to loans | 1.3910% | 2,065 |
| Net loans and leases to total assets | 36.4537% | 5,807 |
| Net loans and leases to deposits | 41.5893% | 5,855 |
| Net loans and leases to core deposits | 44.6903% | 5,819 |
| Total domestic deposits to total assets | 87.6517% | 2,014 |
| Equity capital to assets | 12.0090% | 2,019 |
| Core capital (leverage) ratio | 11.5265% | 1,983 |
| Tier 1 risk-based capital ratio | 23.4123% | 1,056 |
| Total risk-based capital ratio | 24.6624% | 1,032 |
| Memoranda: | ||
| Average total assets | $249,888,500 | 2,560 |
| Average earning assets | $232,603,000 | 2,529 |
| Average equity | $31,345,500 | 2,269 |
| Average total loans | $99,001,000 | 3,475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 5,124 |
| Cost of funding earning assets | 0.1713% | 5,975 |
| Net interest margin | 3.4119% | 4,148 |
| Noninterest income to average assets | 0.7194% | 2,211 |
| Noninterest expense to average assets | 3.4277% | 1,642 |
| Loan and lease loss provision to assets | 0.0438% | 3,694 |
| Net operating income to assets | 0.3170% | 5,477 |
| Return on assets (ROA) | 0.3272% | 5,518 |
| Pretax return on assets | 0.4155% | 5,443 |
| Return on Equity (ROE) | 2.6622% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.6622% | 4,350 |
| Net charge-offs to loans | 0.0643% | 3,567 |
| Credit loss provision to net charge-offs | 169.3548% | 1,442 |
| Earnings coverage of net charge-offs (x) | 17.2742% | 1,935 |
| Efficiency ratio | 88.4777% | 951 |
| Assets per employee ($millions) | 3.6829% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,600 |
| Loan loss allowance to noncurrent loans | 118.9135% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 3,339 |
| Noncurrent loans to loans | 1.4875% | 1,973 |
| Net loans and leases to total assets | 41.7724% | 5,637 |
| Net loans and leases to deposits | 48.2520% | 5,672 |
| Net loans and leases to core deposits | 50.0076% | 5,714 |
| Total domestic deposits to total assets | 86.5715% | 2,529 |
| Equity capital to assets | 13.1430% | 1,297 |
| Core capital (leverage) ratio | 11.9405% | 1,664 |
| Tier 1 risk-based capital ratio | 20.1432% | 1,567 |
| Total risk-based capital ratio | 21.3943% | 1,540 |
| Memoranda: | ||
| Average total assets | $239,929,800 | 2,614 |
| Average earning assets | $221,838,400 | 2,605 |
| Average equity | $29,486,400 | 2,304 |
| Average total loans | $96,366,600 | 3,493 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 5,203 |
| Cost of funding earning assets | 0.1701% | 6,060 |
| Net interest margin | 3.4067% | 4,210 |
| Noninterest income to average assets | 0.7287% | 2,194 |
| Noninterest expense to average assets | 3.4247% | 1,605 |
| Loan and lease loss provision to assets | 0.0581% | 3,207 |
| Net operating income to assets | 0.3799% | 5,323 |
| Return on assets (ROA) | 0.3917% | 5,357 |
| Pretax return on assets | 0.4044% | 5,568 |
| Return on Equity (ROE) | 3.2424% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.2424% | 4,318 |
| Net charge-offs to loans | -0.0643% | 6,009 |
| Credit loss provision to net charge-offs | -228.2609% | 5,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3781% | 966 |
| Assets per employee ($millions) | 3.6380% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,538 |
| Loan loss allowance to noncurrent loans | 232.5093% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 4,597 |
| Noncurrent loans to loans | 0.8028% | 3,572 |
| Net loans and leases to total assets | 41.1880% | 5,735 |
| Net loans and leases to deposits | 47.8739% | 5,770 |
| Net loans and leases to core deposits | 49.5292% | 5,813 |
| Total domestic deposits to total assets | 86.0343% | 2,833 |
| Equity capital to assets | 12.3240% | 1,811 |
| Core capital (leverage) ratio | 11.2926% | 2,220 |
| Tier 1 risk-based capital ratio | 19.2165% | 1,852 |
| Total risk-based capital ratio | 20.4688% | 1,821 |
| Memoranda: | ||
| Average total assets | $240,985,250 | 2,621 |
| Average earning assets | $222,572,750 | 2,608 |
| Average equity | $29,113,250 | 2,344 |
| Average total loans | $95,399,750 | 3,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 5,195 |
| Cost of funding earning assets | 0.1704% | 6,136 |
| Net interest margin | 3.4133% | 4,122 |
| Noninterest income to average assets | 0.7038% | 2,260 |
| Noninterest expense to average assets | 3.4375% | 1,598 |
| Loan and lease loss provision to assets | 0.0746% | 2,784 |
| Net operating income to assets | 0.3351% | 5,451 |
| Return on assets (ROA) | 0.3680% | 5,409 |
| Pretax return on assets | 0.3813% | 5,611 |
| Return on Equity (ROE) | 3.0669% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.0669% | 4,252 |
| Net charge-offs to loans | 0.1517% | 2,176 |
| Credit loss provision to net charge-offs | 126.7606% | 1,640 |
| Earnings coverage of net charge-offs (x) | 7.1690% | 2,671 |
| Efficiency ratio | 89.0679% | 988 |
| Assets per employee ($millions) | 3.6534% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 1,866 |
| Loan loss allowance to noncurrent loans | 292.4749% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 4,921 |
| Noncurrent loans to loans | 0.6120% | 4,192 |
| Net loans and leases to total assets | 40.4129% | 5,787 |
| Net loans and leases to deposits | 46.4210% | 5,860 |
| Net loans and leases to core deposits | 48.1064% | 5,899 |
| Total domestic deposits to total assets | 87.0573% | 2,425 |
| Equity capital to assets | 12.3822% | 1,719 |
| Core capital (leverage) ratio | 11.1401% | 2,300 |
| Tier 1 risk-based capital ratio | 19.4980% | 1,800 |
| Total risk-based capital ratio | 20.7496% | 1,771 |
| Memoranda: | ||
| Average total assets | $241,277,330 | 2,629 |
| Average earning assets | $223,068,000 | 2,613 |
| Average equity | $28,954,000 | 2,346 |
| Average total loans | $93,607,330 | 3,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 5,576 |
| Cost of funding earning assets | 0.1639% | 6,275 |
| Net interest margin | 3.2706% | 4,669 |
| Noninterest income to average assets | 0.6070% | 2,699 |
| Noninterest expense to average assets | 3.1976% | 2,244 |
| Loan and lease loss provision to assets | 0.0740% | 2,655 |
| Net operating income to assets | 0.3426% | 5,343 |
| Return on assets (ROA) | 0.3536% | 5,356 |
| Pretax return on assets | 0.3668% | 5,551 |
| Return on Equity (ROE) | 2.9935% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.9935% | 4,315 |
| Net charge-offs to loans | 0.1835% | 1,619 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 6.2143% | 2,254 |
| Efficiency ratio | 88.1633% | 1,213 |
| Assets per employee ($millions) | 4.0791% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 1,889 |
| Loan loss allowance to noncurrent loans | 131.2879% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 3,606 |
| Noncurrent loans to loans | 1.4119% | 2,669 |
| Net loans and leases to total assets | 37.4922% | 5,981 |
| Net loans and leases to deposits | 42.8822% | 6,031 |
| Net loans and leases to core deposits | 44.3819% | 6,059 |
| Total domestic deposits to total assets | 87.4307% | 2,542 |
| Equity capital to assets | 11.8273% | 1,998 |
| Core capital (leverage) ratio | 11.3219% | 2,114 |
| Tier 1 risk-based capital ratio | 19.6564% | 1,802 |
| Total risk-based capital ratio | 20.9074% | 1,772 |
| Memoranda: | ||
| Average total assets | $243,181,500 | 2,615 |
| Average earning assets | $224,543,000 | 2,613 |
| Average equity | $28,729,000 | 2,348 |
| Average total loans | $91,552,500 | 3,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 5,983 |
| Cost of funding earning assets | 0.1854% | 6,361 |
| Net interest margin | 3.1280% | 5,236 |
| Noninterest income to average assets | 0.6781% | 2,661 |
| Noninterest expense to average assets | 3.2608% | 2,249 |
| Loan and lease loss provision to assets | -0.0008% | 6,241 |
| Net operating income to assets | 0.3523% | 5,325 |
| Return on assets (ROA) | 0.3702% | 5,371 |
| Pretax return on assets | 0.3237% | 5,664 |
| Return on Equity (ROE) | 3.2531% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.2531% | 3,912 |
| Net charge-offs to loans | 0.3231% | 2,066 |
| Credit loss provision to net charge-offs | -0.7042% | 5,658 |
| Earnings coverage of net charge-offs (x) | 2.5845% | 4,139 |
| Efficiency ratio | 91.4472% | 914 |
| Assets per employee ($millions) | 3.9609% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 1,704 |
| Loan loss allowance to noncurrent loans | 132.1374% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 3,632 |
| Noncurrent loans to loans | 1.4619% | 2,699 |
| Net loans and leases to total assets | 36.3718% | 6,181 |
| Net loans and leases to deposits | 41.3384% | 6,258 |
| Net loans and leases to core deposits | 42.6857% | 6,282 |
| Total domestic deposits to total assets | 87.9855% | 2,186 |
| Equity capital to assets | 11.8001% | 1,951 |
| Core capital (leverage) ratio | 11.3252% | 2,094 |
| Tier 1 risk-based capital ratio | 20.1155% | 1,626 |
| Total risk-based capital ratio | 21.3679% | 1,595 |
| Memoranda: | ||
| Average total assets | $240,674,400 | 2,613 |
| Average earning assets | $222,187,600 | 2,595 |
| Average equity | $27,389,200 | 2,426 |
| Average total loans | $87,895,800 | 3,735 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2881% | 6,073 |
| Cost of funding earning assets | 0.1903% | 6,445 |
| Net interest margin | 3.0978% | 5,321 |
| Noninterest income to average assets | 0.6837% | 2,716 |
| Noninterest expense to average assets | 3.2129% | 2,327 |
| Loan and lease loss provision to assets | -0.0011% | 6,441 |
| Net operating income to assets | 0.3394% | 5,472 |
| Return on assets (ROA) | 0.3538% | 5,555 |
| Pretax return on assets | 0.3477% | 5,750 |
| Return on Equity (ROE) | 3.1379% | 5,555 |
| Retained earnings to average equity (ytd only) | 3.1379% | 4,433 |
| Net charge-offs to loans | 0.2180% | 2,520 |
| Credit loss provision to net charge-offs | -1.3986% | 5,575 |
| Earnings coverage of net charge-offs (x) | 4.1889% | 3,511 |
| Efficiency ratio | 90.6304% | 944 |
| Assets per employee ($millions) | 3.8318% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 1,475 |
| Loan loss allowance to noncurrent loans | 122.4476% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 3,769 |
| Noncurrent loans to loans | 1.7247% | 2,609 |
| Net loans and leases to total assets | 37.1035% | 6,215 |
| Net loans and leases to deposits | 43.0634% | 6,261 |
| Net loans and leases to core deposits | 44.6635% | 6,265 |
| Total domestic deposits to total assets | 86.1601% | 3,156 |
| Equity capital to assets | 11.5706% | 2,247 |
| Core capital (leverage) ratio | 10.3148% | 3,218 |
| Tier 1 risk-based capital ratio | 19.3828% | 1,888 |
| Total risk-based capital ratio | 20.6395% | 1,855 |
| Memoranda: | ||
| Average total assets | $240,439,000 | 2,642 |
| Average earning assets | $222,089,000 | 2,609 |
| Average equity | $27,108,750 | 2,473 |
| Average total loans | $87,467,000 | 3,776 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 6,164 |
| Cost of funding earning assets | 0.1845% | 6,550 |
| Net interest margin | 3.0624% | 5,389 |
| Noninterest income to average assets | 0.6783% | 2,749 |
| Noninterest expense to average assets | 3.1845% | 2,395 |
| Loan and lease loss provision to assets | -0.0016% | 6,560 |
| Net operating income to assets | 0.3354% | 5,467 |
| Return on assets (ROA) | 0.3396% | 5,619 |
| Pretax return on assets | 0.3313% | 5,793 |
| Return on Equity (ROE) | 3.0372% | 5,610 |
| Retained earnings to average equity (ytd only) | 3.0372% | 4,386 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6786% | 1,012 |
| Assets per employee ($millions) | 3.7122% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 1,263 |
| Loan loss allowance to noncurrent loans | 95.2246% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 3,661 |
| Noncurrent loans to loans | 2.4150% | 1,940 |
| Net loans and leases to total assets | 34.9223% | 6,364 |
| Net loans and leases to deposits | 39.3901% | 6,432 |
| Net loans and leases to core deposits | 40.7417% | 6,440 |
| Total domestic deposits to total assets | 88.6575% | 1,803 |
| Equity capital to assets | 10.8834% | 2,866 |
| Core capital (leverage) ratio | 10.0061% | 3,507 |
| Tier 1 risk-based capital ratio | 21.4271% | 1,397 |
| Total risk-based capital ratio | 22.6794% | 1,370 |
| Memoranda: | ||
| Average total assets | $242,672,670 | 2,629 |
| Average earning assets | $224,400,330 | 2,594 |
| Average equity | $27,130,000 | 2,473 |
| Average total loans | $87,090,670 | 3,790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 6,028 |
| Cost of funding earning assets | 0.1856% | 6,642 |
| Net interest margin | 3.1741% | 5,018 |
| Noninterest income to average assets | 0.7155% | 2,506 |
| Noninterest expense to average assets | 3.2413% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3693% | 5,266 |
| Return on assets (ROA) | 0.3693% | 5,396 |
| Pretax return on assets | 0.3909% | 5,592 |
| Return on Equity (ROE) | 3.2599% | 5,461 |
| Retained earnings to average equity (ytd only) | 3.2599% | 4,298 |
| Net charge-offs to loans | -0.0138% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2385% | 1,211 |
| Assets per employee ($millions) | 4.0849% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4451% | 1,187 |
| Loan loss allowance to noncurrent loans | 94.9224% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1420% | 3,658 |
| Noncurrent loans to loans | 2.5759% | 2,004 |
| Net loans and leases to total assets | 32.8664% | 6,473 |
| Net loans and leases to deposits | 37.3817% | 6,526 |
| Net loans and leases to core deposits | 38.6726% | 6,539 |
| Total domestic deposits to total assets | 87.9213% | 2,370 |
| Equity capital to assets | 11.2448% | 2,681 |
| Core capital (leverage) ratio | 10.3831% | 2,928 |
| Tier 1 risk-based capital ratio | 19.9507% | 1,784 |
| Total risk-based capital ratio | 21.1954% | 1,758 |
| Memoranda: | ||
| Average total assets | $241,505,500 | 2,657 |
| Average earning assets | $221,924,500 | 2,651 |
| Average equity | $27,362,500 | 2,495 |
| Average total loans | $86,848,000 | 3,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 5,890 |
| Cost of funding earning assets | 0.2738% | 6,575 |
| Net interest margin | 3.5024% | 4,490 |
| Noninterest income to average assets | 0.5792% | 3,394 |
| Noninterest expense to average assets | 3.4462% | 1,955 |
| Loan and lease loss provision to assets | 0.0348% | 5,452 |
| Net operating income to assets | 0.2746% | 5,559 |
| Return on assets (ROA) | 0.2946% | 5,696 |
| Pretax return on assets | 0.3259% | 5,774 |
| Return on Equity (ROE) | 2.5684% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.5684% | 4,417 |
| Net charge-offs to loans | 0.0114% | 5,765 |
| Credit loss provision to net charge-offs | 800.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 77.8000% | 492 |
| Efficiency ratio | 91.0554% | 986 |
| Assets per employee ($millions) | 3.6603% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,537 |
| Loan loss allowance to noncurrent loans | 90.6883% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 3,625 |
| Noncurrent loans to loans | 2.4395% | 2,173 |
| Net loans and leases to total assets | 37.4531% | 6,340 |
| Net loans and leases to deposits | 42.5194% | 6,441 |
| Net loans and leases to core deposits | 43.9699% | 6,468 |
| Total domestic deposits to total assets | 88.0846% | 2,184 |
| Equity capital to assets | 11.4178% | 2,519 |
| Core capital (leverage) ratio | 10.1374% | 3,227 |
| Tier 1 risk-based capital ratio | 18.9072% | 1,984 |
| Total risk-based capital ratio | 20.1704% | 1,945 |
| Memoranda: | ||
| Average total assets | $229,816,800 | 2,723 |
| Average earning assets | $210,343,000 | 2,730 |
| Average equity | $26,359,000 | 2,538 |
| Average total loans | $87,763,200 | 3,804 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 5,905 |
| Cost of funding earning assets | 0.2854% | 6,673 |
| Net interest margin | 3.5621% | 4,389 |
| Noninterest income to average assets | 0.6637% | 2,911 |
| Noninterest expense to average assets | 3.4662% | 1,840 |
| Loan and lease loss provision to assets | 0.1054% | 4,254 |
| Net operating income to assets | 0.3440% | 5,458 |
| Return on assets (ROA) | 0.3822% | 5,533 |
| Pretax return on assets | 0.3980% | 5,724 |
| Return on Equity (ROE) | 3.3285% | 5,561 |
| Retained earnings to average equity (ytd only) | 3.3285% | 4,526 |
| Net charge-offs to loans | -0.0337% | 6,606 |
| Credit loss provision to net charge-offs | -818.1818% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2038% | 1,169 |
| Assets per employee ($millions) | 3.5413% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4211% | 1,319 |
| Loan loss allowance to noncurrent loans | 139.6619% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0570% | 4,179 |
| Noncurrent loans to loans | 1.7335% | 3,188 |
| Net loans and leases to total assets | 37.6102% | 6,441 |
| Net loans and leases to deposits | 43.3727% | 6,536 |
| Net loans and leases to core deposits | 45.1037% | 6,558 |
| Total domestic deposits to total assets | 86.7140% | 2,844 |
| Equity capital to assets | 11.4418% | 2,812 |
| Core capital (leverage) ratio | 9.6742% | 4,004 |
| Tier 1 risk-based capital ratio | 18.4728% | 2,177 |
| Total risk-based capital ratio | 19.7380% | 2,140 |
| Memoranda: | ||
| Average total assets | $227,791,250 | 2,775 |
| Average earning assets | $208,857,500 | 2,778 |
| Average equity | $26,157,500 | 2,574 |
| Average total loans | $86,923,000 | 3,861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 5,877 |
| Cost of funding earning assets | 0.2868% | 6,776 |
| Net interest margin | 3.6277% | 4,152 |
| Noninterest income to average assets | 0.6661% | 2,861 |
| Noninterest expense to average assets | 3.4565% | 1,890 |
| Loan and lease loss provision to assets | 0.1586% | 3,531 |
| Net operating income to assets | 0.3568% | 5,396 |
| Return on assets (ROA) | 0.3771% | 5,543 |
| Pretax return on assets | 0.3938% | 5,726 |
| Return on Equity (ROE) | 3.2800% | 5,570 |
| Retained earnings to average equity (ytd only) | 3.2800% | 4,424 |
| Net charge-offs to loans | -0.0463% | 6,643 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6770% | 1,370 |
| Assets per employee ($millions) | 3.6447% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6005% | 1,155 |
| Loan loss allowance to noncurrent loans | 143.0667% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.0280% | 4,327 |
| Noncurrent loans to loans | 1.8177% | 3,192 |
| Net loans and leases to total assets | 34.4587% | 6,700 |
| Net loans and leases to deposits | 39.2044% | 6,762 |
| Net loans and leases to core deposits | 40.8890% | 6,778 |
| Total domestic deposits to total assets | 87.8950% | 2,215 |
| Equity capital to assets | 11.2484% | 2,844 |
| Core capital (leverage) ratio | 9.8116% | 3,704 |
| Tier 1 risk-based capital ratio | 16.8041% | 2,760 |
| Total risk-based capital ratio | 17.9340% | 2,766 |
| Memoranda: | ||
| Average total assets | $226,994,330 | 2,787 |
| Average earning assets | $207,843,670 | 2,793 |
| Average equity | $26,097,670 | 2,559 |
| Average total loans | $86,324,000 | 3,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 6,036 |
| Cost of funding earning assets | 0.2947% | 6,856 |
| Net interest margin | 3.5951% | 4,290 |
| Noninterest income to average assets | 0.6790% | 2,764 |
| Noninterest expense to average assets | 3.4164% | 1,967 |
| Loan and lease loss provision to assets | 0.2680% | 2,311 |
| Net operating income to assets | 0.2720% | 5,742 |
| Return on assets (ROA) | 0.2805% | 5,882 |
| Pretax return on assets | 0.2948% | 5,990 |
| Return on Equity (ROE) | 2.4128% | 5,939 |
| Retained earnings to average equity (ytd only) | 2.4128% | 5,060 |
| Net charge-offs to loans | 0.0589% | 3,912 |
| Credit loss provision to net charge-offs | 1,153.8462% | 302 |
| Earnings coverage of net charge-offs (x) | 23.8462% | 1,080 |
| Efficiency ratio | 86.0486% | 1,479 |
| Assets per employee ($millions) | 3.8673% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 1,501 |
| Loan loss allowance to noncurrent loans | 130.6775% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 4,101 |
| Noncurrent loans to loans | 1.8377% | 3,360 |
| Net loans and leases to total assets | 36.4846% | 6,592 |
| Net loans and leases to deposits | 41.4581% | 6,682 |
| Net loans and leases to core deposits | 42.7567% | 6,710 |
| Total domestic deposits to total assets | 88.0035% | 2,319 |
| Equity capital to assets | 11.2780% | 2,645 |
| Core capital (leverage) ratio | 10.0839% | 3,263 |
| Tier 1 risk-based capital ratio | 17.6213% | 2,437 |
| Total risk-based capital ratio | 18.8768% | 2,405 |
| Memoranda: | ||
| Average total assets | $223,862,000 | 2,845 |
| Average earning assets | $204,946,000 | 2,836 |
| Average equity | $26,027,500 | 2,571 |
| Average total loans | $88,224,000 | 3,879 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 5,300 |
| Cost of funding earning assets | 0.3558% | 6,995 |
| Net interest margin | 4.0762% | 2,538 |
| Noninterest income to average assets | 0.7093% | 2,548 |
| Noninterest expense to average assets | 3.8013% | 1,346 |
| Loan and lease loss provision to assets | 0.1700% | 4,516 |
| Net operating income to assets | 0.3942% | 4,893 |
| Return on assets (ROA) | 0.4222% | 4,957 |
| Pretax return on assets | 0.4349% | 5,189 |
| Return on Equity (ROE) | 3.6322% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.6322% | 3,624 |
| Net charge-offs to loans | 0.3190% | 3,796 |
| Credit loss provision to net charge-offs | 129.9639% | 2,360 |
| Earnings coverage of net charge-offs (x) | 4.4043% | 3,127 |
| Efficiency ratio | 86.8393% | 1,460 |
| Assets per employee ($millions) | 3.4236% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1693% | 1,861 |
| Loan loss allowance to noncurrent loans | 109.2031% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 3,759 |
| Noncurrent loans to loans | 1.9864% | 3,229 |
| Net loans and leases to total assets | 40.6891% | 6,495 |
| Net loans and leases to deposits | 48.1106% | 6,491 |
| Net loans and leases to core deposits | 49.8787% | 6,537 |
| Total domestic deposits to total assets | 84.5741% | 4,055 |
| Equity capital to assets | 12.0015% | 2,124 |
| Core capital (leverage) ratio | 10.3797% | 2,867 |
| Tier 1 risk-based capital ratio | 17.8766% | 2,238 |
| Total risk-based capital ratio | 19.1342% | 2,204 |
| Memoranda: | ||
| Average total assets | $211,770,000 | 2,922 |
| Average earning assets | $190,567,400 | 2,961 |
| Average equity | $24,613,200 | 2,615 |
| Average total loans | $86,839,200 | 3,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 5,394 |
| Cost of funding earning assets | 0.3654% | 7,098 |
| Net interest margin | 4.0936% | 2,500 |
| Noninterest income to average assets | 0.7249% | 2,451 |
| Noninterest expense to average assets | 3.7926% | 1,313 |
| Loan and lease loss provision to assets | 0.1708% | 4,331 |
| Net operating income to assets | 0.4196% | 4,906 |
| Return on assets (ROA) | 0.4567% | 4,931 |
| Pretax return on assets | 0.4776% | 5,233 |
| Return on Equity (ROE) | 3.9623% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.9623% | 3,898 |
| Net charge-offs to loans | 0.2988% | 3,601 |
| Credit loss provision to net charge-offs | 139.8964% | 2,282 |
| Earnings coverage of net charge-offs (x) | 4.9948% | 2,906 |
| Efficiency ratio | 86.1494% | 1,515 |
| Assets per employee ($millions) | 3.4650% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2924% | 1,702 |
| Loan loss allowance to noncurrent loans | 97.5855% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.7297% | 3,503 |
| Noncurrent loans to loans | 2.3492% | 2,953 |
| Net loans and leases to total assets | 39.1204% | 6,705 |
| Net loans and leases to deposits | 44.9356% | 6,795 |
| Net loans and leases to core deposits | 46.3622% | 6,831 |
| Total domestic deposits to total assets | 87.0588% | 2,616 |
| Equity capital to assets | 11.7286% | 2,468 |
| Core capital (leverage) ratio | 9.6179% | 3,969 |
| Tier 1 risk-based capital ratio | 17.3783% | 2,493 |
| Total risk-based capital ratio | 18.6424% | 2,458 |
| Memoranda: | ||
| Average total assets | $210,790,250 | 2,943 |
| Average earning assets | $189,365,750 | 2,984 |
| Average equity | $24,295,000 | 2,646 |
| Average total loans | $86,122,000 | 4,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 5,729 |
| Cost of funding earning assets | 0.3724% | 7,189 |
| Net interest margin | 4.0177% | 2,760 |
| Noninterest income to average assets | 0.7246% | 2,405 |
| Noninterest expense to average assets | 3.7854% | 1,368 |
| Loan and lease loss provision to assets | 0.1709% | 4,223 |
| Net operating income to assets | 0.3687% | 5,091 |
| Return on assets (ROA) | 0.4207% | 5,006 |
| Pretax return on assets | 0.4387% | 5,266 |
| Return on Equity (ROE) | 3.6718% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.6718% | 3,885 |
| Net charge-offs to loans | 0.1224% | 4,493 |
| Credit loss provision to net charge-offs | 339.6226% | 899 |
| Earnings coverage of net charge-offs (x) | 11.0377% | 1,749 |
| Efficiency ratio | 87.2019% | 1,490 |
| Assets per employee ($millions) | 3.3707% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2401% | 1,841 |
| Loan loss allowance to noncurrent loans | 66.5997% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,525 |
| Noncurrent loans to loans | 3.3635% | 2,114 |
| Net loans and leases to total assets | 40.2588% | 6,722 |
| Net loans and leases to deposits | 45.9520% | 6,834 |
| Net loans and leases to core deposits | 47.3676% | 6,885 |
| Total domestic deposits to total assets | 87.6104% | 2,402 |
| Equity capital to assets | 11.3804% | 2,620 |
| Core capital (leverage) ratio | 9.4603% | 4,014 |
| Tier 1 risk-based capital ratio | 16.7192% | 2,641 |
| Total risk-based capital ratio | 17.9760% | 2,594 |
| Memoranda: | ||
| Average total assets | $210,599,330 | 2,969 |
| Average earning assets | $189,561,000 | 3,002 |
| Average equity | $24,130,000 | 2,645 |
| Average total loans | $86,620,670 | 4,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 5,828 |
| Cost of funding earning assets | 0.3824% | 7,261 |
| Net interest margin | 3.9752% | 2,797 |
| Noninterest income to average assets | 0.7345% | 2,364 |
| Noninterest expense to average assets | 3.6897% | 1,555 |
| Loan and lease loss provision to assets | 0.1730% | 3,896 |
| Net operating income to assets | 0.4307% | 4,803 |
| Return on assets (ROA) | 0.4307% | 4,890 |
| Pretax return on assets | 0.4499% | 5,189 |
| Return on Equity (ROE) | 3.7458% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.7458% | 3,923 |
| Net charge-offs to loans | 0.0795% | 4,143 |
| Credit loss provision to net charge-offs | 529.4118% | 683 |
| Earnings coverage of net charge-offs (x) | 19.0588% | 1,159 |
| Efficiency ratio | 85.5551% | 1,767 |
| Assets per employee ($millions) | 3.3623% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2473% | 1,864 |
| Loan loss allowance to noncurrent loans | 67.8584% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.7580% | 3,629 |
| Noncurrent loans to loans | 3.3118% | 2,270 |
| Net loans and leases to total assets | 39.1334% | 6,842 |
| Net loans and leases to deposits | 44.6662% | 6,926 |
| Net loans and leases to core deposits | 46.4087% | 6,956 |
| Total domestic deposits to total assets | 87.6131% | 2,603 |
| Equity capital to assets | 11.1610% | 2,531 |
| Core capital (leverage) ratio | 9.7759% | 3,415 |
| Tier 1 risk-based capital ratio | 16.7476% | 2,569 |
| Total risk-based capital ratio | 18.0111% | 2,533 |
| Memoranda: | ||
| Average total assets | $208,038,000 | 3,014 |
| Average earning assets | $187,262,500 | 3,049 |
| Average equity | $23,920,000 | 2,652 |
| Average total loans | $85,512,500 | 4,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 5,084 |
| Cost of funding earning assets | 0.5324% | 7,253 |
| Net interest margin | 4.3578% | 1,625 |
| Noninterest income to average assets | 0.8794% | 1,927 |
| Noninterest expense to average assets | 4.1581% | 951 |
| Loan and lease loss provision to assets | 0.3065% | 4,352 |
| Net operating income to assets | 0.2846% | 4,981 |
| Return on assets (ROA) | 0.3472% | 4,914 |
| Pretax return on assets | 0.4035% | 4,933 |
| Return on Equity (ROE) | 3.0525% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.0525% | 3,715 |
| Net charge-offs to loans | 0.3094% | 4,471 |
| Credit loss provision to net charge-offs | 227.6119% | 1,292 |
| Earnings coverage of net charge-offs (x) | 4.7313% | 2,826 |
| Efficiency ratio | 86.7128% | 1,598 |
| Assets per employee ($millions) | 3.2933% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 1,878 |
| Loan loss allowance to noncurrent loans | 55.6784% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 3,337 |
| Noncurrent loans to loans | 3.9421% | 1,852 |
| Net loans and leases to total assets | 41.3243% | 6,883 |
| Net loans and leases to deposits | 47.1494% | 6,990 |
| Net loans and leases to core deposits | 49.2738% | 7,010 |
| Total domestic deposits to total assets | 87.6454% | 2,454 |
| Equity capital to assets | 11.8588% | 1,999 |
| Core capital (leverage) ratio | 10.0831% | 2,987 |
| Tier 1 risk-based capital ratio | 17.1272% | 2,301 |
| Total risk-based capital ratio | 18.3910% | 2,262 |
| Memoranda: | ||
| Average total assets | $199,008,000 | 3,115 |
| Average earning assets | $178,829,200 | 3,137 |
| Average equity | $22,637,400 | 2,812 |
| Average total loans | $86,609,600 | 4,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 4,983 |
| Cost of funding earning assets | 0.5654% | 7,361 |
| Net interest margin | 4.3969% | 1,533 |
| Noninterest income to average assets | 0.8979% | 1,803 |
| Noninterest expense to average assets | 4.1187% | 917 |
| Loan and lease loss provision to assets | 0.4097% | 3,445 |
| Net operating income to assets | 0.2829% | 5,232 |
| Return on assets (ROA) | 0.3331% | 5,205 |
| Pretax return on assets | 0.3801% | 5,281 |
| Return on Equity (ROE) | 2.9601% | 5,240 |
| Retained earnings to average equity (ytd only) | 2.9601% | 4,363 |
| Net charge-offs to loans | 0.3646% | 3,845 |
| Credit loss provision to net charge-offs | 256.3025% | 1,295 |
| Earnings coverage of net charge-offs (x) | 4.5840% | 2,987 |
| Efficiency ratio | 84.8976% | 1,741 |
| Assets per employee ($millions) | 3.1474% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2162% | 1,775 |
| Loan loss allowance to noncurrent loans | 91.7596% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.3682% | 4,435 |
| Noncurrent loans to loans | 2.4152% | 3,218 |
| Net loans and leases to total assets | 42.1230% | 6,970 |
| Net loans and leases to deposits | 49.1563% | 7,038 |
| Net loans and leases to core deposits | 51.7109% | 7,059 |
| Total domestic deposits to total assets | 85.6919% | 3,245 |
| Equity capital to assets | 11.4980% | 2,533 |
| Core capital (leverage) ratio | 9.3695% | 4,102 |
| Tier 1 risk-based capital ratio | 16.4557% | 2,578 |
| Total risk-based capital ratio | 17.7206% | 2,525 |
| Memoranda: | ||
| Average total assets | $198,537,750 | 3,162 |
| Average earning assets | $178,514,250 | 3,186 |
| Average equity | $22,341,000 | 2,886 |
| Average total loans | $87,042,250 | 4,196 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 5,217 |
| Cost of funding earning assets | 0.6006% | 7,405 |
| Net interest margin | 4.3415% | 1,632 |
| Noninterest income to average assets | 0.9083% | 1,664 |
| Noninterest expense to average assets | 4.2886% | 736 |
| Loan and lease loss provision to assets | 0.2417% | 4,497 |
| Net operating income to assets | 0.2430% | 5,399 |
| Return on assets (ROA) | 0.3132% | 5,286 |
| Pretax return on assets | 0.3695% | 5,311 |
| Return on Equity (ROE) | 2.8033% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.8033% | 4,351 |
| Net charge-offs to loans | 0.2169% | 4,303 |
| Credit loss provision to net charge-offs | 252.6316% | 1,513 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,647 |
| Efficiency ratio | 89.0259% | 1,412 |
| Assets per employee ($millions) | 3.0810% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 2,403 |
| Loan loss allowance to noncurrent loans | 55.1291% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6738% | 3,926 |
| Noncurrent loans to loans | 3.4515% | 2,302 |
| Net loans and leases to total assets | 42.8881% | 6,989 |
| Net loans and leases to deposits | 48.7626% | 7,123 |
| Net loans and leases to core deposits | 51.5055% | 7,156 |
| Total domestic deposits to total assets | 87.9528% | 2,031 |
| Equity capital to assets | 11.1688% | 2,712 |
| Core capital (leverage) ratio | 9.2131% | 4,280 |
| Tier 1 risk-based capital ratio | 16.6594% | 2,418 |
| Total risk-based capital ratio | 17.9220% | 2,360 |
| Memoranda: | ||
| Average total assets | $198,621,670 | 3,186 |
| Average earning assets | $178,830,330 | 3,204 |
| Average equity | $22,188,330 | 2,903 |
| Average total loans | $87,584,000 | 4,210 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 5,608 |
| Cost of funding earning assets | 0.6471% | 7,451 |
| Net interest margin | 4.2230% | 1,954 |
| Noninterest income to average assets | 0.9363% | 1,497 |
| Noninterest expense to average assets | 4.2629% | 753 |
| Loan and lease loss provision to assets | 0.2831% | 3,762 |
| Net operating income to assets | 0.1627% | 5,814 |
| Return on assets (ROA) | 0.3134% | 5,370 |
| Pretax return on assets | 0.3418% | 5,487 |
| Return on Equity (ROE) | 2.8056% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.8056% | 4,450 |
| Net charge-offs to loans | -0.0137% | 6,974 |
| Credit loss provision to net charge-offs | -4,666.6667% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2397% | 1,415 |
| Assets per employee ($millions) | 2.8321% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 2,444 |
| Loan loss allowance to noncurrent loans | 47.2191% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1155% | 3,364 |
| Noncurrent loans to loans | 4.0230% | 1,946 |
| Net loans and leases to total assets | 43.3460% | 7,040 |
| Net loans and leases to deposits | 49.1720% | 7,173 |
| Net loans and leases to core deposits | 52.2243% | 7,190 |
| Total domestic deposits to total assets | 88.1518% | 1,974 |
| Equity capital to assets | 11.1703% | 2,616 |
| Core capital (leverage) ratio | 9.3723% | 3,945 |
| Tier 1 risk-based capital ratio | 16.3628% | 2,498 |
| Total risk-based capital ratio | 17.5635% | 2,485 |
| Memoranda: | ||
| Average total assets | $197,801,000 | 3,248 |
| Average earning assets | $177,410,000 | 3,290 |
| Average equity | $22,099,000 | 2,932 |
| Average total loans | $87,598,500 | 4,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 5,073 |
| Cost of funding earning assets | 0.8937% | 7,416 |
| Net interest margin | 4.4282% | 1,349 |
| Noninterest income to average assets | 0.9660% | 1,679 |
| Noninterest expense to average assets | 4.2007% | 1,098 |
| Loan and lease loss provision to assets | 0.5609% | 3,569 |
| Net operating income to assets | 0.2249% | 4,821 |
| Return on assets (ROA) | 0.2408% | 4,836 |
| Pretax return on assets | 0.2010% | 5,004 |
| Return on Equity (ROE) | 2.1465% | 4,850 |
| Retained earnings to average equity (ytd only) | 2.1465% | 3,603 |
| Net charge-offs to loans | 1.0129% | 2,390 |
| Credit loss provision to net charge-offs | 112.7137% | 4,868 |
| Earnings coverage of net charge-offs (x) | 1.4989% | 4,625 |
| Efficiency ratio | 84.9205% | 2,242 |
| Assets per employee ($millions) | 2.7796% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 2,767 |
| Loan loss allowance to noncurrent loans | 42.9500% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 1.9513% | 3,453 |
| Noncurrent loans to loans | 4.0400% | 1,839 |
| Net loans and leases to total assets | 43.6173% | 7,141 |
| Net loans and leases to deposits | 49.4170% | 7,287 |
| Net loans and leases to core deposits | 59.6630% | 7,277 |
| Total domestic deposits to total assets | 88.2637% | 1,848 |
| Equity capital to assets | 11.1744% | 2,553 |
| Core capital (leverage) ratio | 9.5689% | 3,638 |
| Tier 1 risk-based capital ratio | 16.9660% | 2,157 |
| Total risk-based capital ratio | 18.2103% | 2,129 |
| Memoranda: | ||
| Average total assets | $188,087,000 | 3,311 |
| Average earning assets | $169,073,600 | 3,369 |
| Average equity | $21,104,000 | 3,058 |
| Average total loans | $92,410,200 | 4,147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3994% | 4,953 |
| Cost of funding earning assets | 0.9438% | 7,494 |
| Net interest margin | 4.4556% | 1,306 |
| Noninterest income to average assets | 0.9854% | 1,657 |
| Noninterest expense to average assets | 4.2374% | 993 |
| Loan and lease loss provision to assets | 0.6029% | 2,981 |
| Net operating income to assets | 0.1511% | 5,319 |
| Return on assets (ROA) | 0.1723% | 5,313 |
| Pretax return on assets | 0.1751% | 5,351 |
| Return on Equity (ROE) | 1.5335% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.5335% | 4,455 |
| Net charge-offs to loans | 1.0824% | 1,842 |
| Credit loss provision to net charge-offs | 110.5263% | 4,601 |
| Earnings coverage of net charge-offs (x) | 1.3868% | 4,745 |
| Efficiency ratio | 84.8520% | 2,204 |
| Assets per employee ($millions) | 2.6668% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,851 |
| Loan loss allowance to noncurrent loans | 47.4224% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.8197% | 3,622 |
| Noncurrent loans to loans | 3.4565% | 2,163 |
| Net loans and leases to total assets | 47.6065% | 6,991 |
| Net loans and leases to deposits | 54.2930% | 7,191 |
| Net loans and leases to core deposits | 67.8827% | 7,079 |
| Total domestic deposits to total assets | 87.6845% | 1,809 |
| Equity capital to assets | 11.4455% | 2,637 |
| Core capital (leverage) ratio | 9.3165% | 4,165 |
| Tier 1 risk-based capital ratio | 16.7013% | 2,360 |
| Total risk-based capital ratio | 17.9642% | 2,307 |
| Memoranda: | ||
| Average total assets | $185,770,500 | 3,372 |
| Average earning assets | $167,125,750 | 3,422 |
| Average equity | $20,866,750 | 3,116 |
| Average total loans | $93,612,750 | 4,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5015% | 4,620 |
| Cost of funding earning assets | 0.9785% | 7,583 |
| Net interest margin | 4.5231% | 1,113 |
| Noninterest income to average assets | 0.9888% | 1,638 |
| Noninterest expense to average assets | 4.1732% | 1,101 |
| Loan and lease loss provision to assets | 0.6794% | 2,394 |
| Net operating income to assets | 0.2001% | 5,260 |
| Return on assets (ROA) | 0.2318% | 5,241 |
| Pretax return on assets | 0.2362% | 5,368 |
| Return on Equity (ROE) | 2.0773% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.0773% | 4,186 |
| Net charge-offs to loans | 1.2629% | 1,467 |
| Credit loss provision to net charge-offs | 105.3512% | 4,363 |
| Earnings coverage of net charge-offs (x) | 1.3696% | 4,503 |
| Efficiency ratio | 82.5336% | 2,661 |
| Assets per employee ($millions) | 2.6331% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 2,938 |
| Loan loss allowance to noncurrent loans | 47.1227% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 3,704 |
| Noncurrent loans to loans | 3.2950% | 2,145 |
| Net loans and leases to total assets | 47.9254% | 7,038 |
| Net loans and leases to deposits | 54.3715% | 7,251 |
| Net loans and leases to core deposits | 67.1900% | 7,163 |
| Total domestic deposits to total assets | 88.1443% | 1,696 |
| Equity capital to assets | 11.0064% | 2,915 |
| Core capital (leverage) ratio | 9.3750% | 4,065 |
| Tier 1 risk-based capital ratio | 16.1473% | 2,570 |
| Total risk-based capital ratio | 17.4091% | 2,511 |
| Memoranda: | ||
| Average total assets | $185,468,670 | 3,401 |
| Average earning assets | $166,789,670 | 3,446 |
| Average equity | $20,700,330 | 3,147 |
| Average total loans | $94,700,000 | 4,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7253% | 3,667 |
| Cost of funding earning assets | 1.0469% | 7,599 |
| Net interest margin | 4.6784% | 804 |
| Noninterest income to average assets | 0.9967% | 1,490 |
| Noninterest expense to average assets | 3.9081% | 1,300 |
| Loan and lease loss provision to assets | 1.2213% | 1,060 |
| Net operating income to assets | 0.0676% | 6,074 |
| Return on assets (ROA) | 0.0851% | 6,189 |
| Pretax return on assets | 0.0851% | 6,196 |
| Return on Equity (ROE) | 0.7566% | 6,206 |
| Retained earnings to average equity (ytd only) | 0.7566% | 5,362 |
| Net charge-offs to loans | 2.2647% | 640 |
| Credit loss provision to net charge-offs | 103.1308% | 3,639 |
| Earnings coverage of net charge-offs (x) | 1.0884% | 4,213 |
| Efficiency ratio | 75.1993% | 3,621 |
| Assets per employee ($millions) | 2.5886% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 2,963 |
| Loan loss allowance to noncurrent loans | 92.7404% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 4,925 |
| Noncurrent loans to loans | 1.6219% | 3,846 |
| Net loans and leases to total assets | 51.2425% | 6,753 |
| Net loans and leases to deposits | 58.4589% | 7,005 |
| Net loans and leases to core deposits | 70.8761% | 6,970 |
| Total domestic deposits to total assets | 87.6557% | 1,902 |
| Equity capital to assets | 11.4828% | 2,600 |
| Core capital (leverage) ratio | 9.5110% | 3,968 |
| Tier 1 risk-based capital ratio | 15.8741% | 2,731 |
| Total risk-based capital ratio | 17.1348% | 2,673 |
| Memoranda: | ||
| Average total assets | $183,413,000 | 3,457 |
| Average earning assets | $164,673,000 | 3,500 |
| Average equity | $20,617,500 | 3,161 |
| Average total loans | $95,905,000 | 4,148 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3804% | 3,524 |
| Cost of funding earning assets | 1.8106% | 6,973 |
| Net interest margin | 4.5698% | 1,250 |
| Noninterest income to average assets | 1.0790% | 1,355 |
| Noninterest expense to average assets | 4.4227% | 929 |
| Loan and lease loss provision to assets | 0.3255% | 3,778 |
| Net operating income to assets | 0.3580% | 5,320 |
| Return on assets (ROA) | 0.3532% | 5,148 |
| Pretax return on assets | 0.3816% | 5,312 |
| Return on Equity (ROE) | 3.1791% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.8013% | 4,118 |
| Net charge-offs to loans | 0.1431% | 4,786 |
| Credit loss provision to net charge-offs | 422.0588% | 1,035 |
| Earnings coverage of net charge-offs (x) | 9.2353% | 2,727 |
| Efficiency ratio | 86.1307% | 1,842 |
| Assets per employee ($millions) | 2.8125% | 6,528 |
| Cash dividends to net income (ytd only)* | 43.3387% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 2,994 |
| Loan loss allowance to noncurrent loans | 75.9761% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 4,191 |
| Noncurrent loans to loans | 1.8905% | 2,922 |
| Net loans and leases to total assets | 51.7921% | 6,859 |
| Net loans and leases to deposits | 61.8416% | 6,955 |
| Net loans and leases to core deposits | 76.2935% | 6,844 |
| Total domestic deposits to total assets | 83.7495% | 3,458 |
| Equity capital to assets | 11.0050% | 3,036 |
| Core capital (leverage) ratio | 9.4193% | 4,130 |
| Tier 1 risk-based capital ratio | 15.1662% | 2,972 |
| Total risk-based capital ratio | 16.4060% | 2,899 |
| Memoranda: | ||
| Average total assets | $176,364,600 | 3,457 |
| Average earning assets | $156,526,200 | 3,543 |
| Average equity | $19,596,800 | 3,292 |
| Average total loans | $95,020,400 | 4,076 |