Home > SpiritBank > Performance and Condition Ratios
SpiritBank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8118% | 820 |
| Cost of funding earning assets | 1.9636% | 971 |
| Net interest margin | 3.8482% | 1,477 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8625% | 1,362 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9005% | 2,546 |
| Return on assets (ROA) | 0.9005% | 2,518 |
| Pretax return on assets | 1.2133% | 2,106 |
| Return on Equity (ROE) | 8.2400% | 2,961 |
| Retained earnings to average equity (ytd only) | -0.6817% | 4,160 |
| Net charge-offs to loans | -0.0027% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.0511% | 2,005 |
| Assets per employee ($millions) | 6.3087% | 2,550 |
| Cash dividends to net income (ytd only)* | 108.2753% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 872 |
| Loan loss allowance to noncurrent loans | 53.2365% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3627% | 101 |
| Noncurrent loans to loans | 2.9681% | 147 |
| Net loans and leases to total assets | 78.2700% | 841 |
| Net loans and leases to deposits | 88.5858% | 1,386 |
| Net loans and leases to core deposits | 121.4090% | 583 |
| Total domestic deposits to total assets | 88.3600% | 1,242 |
| Equity capital to assets | 10.2664% | 1,864 |
| Core capital (leverage) ratio | 10.9272% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0610% | 1,847 |
| Memoranda: | ||
| Average total assets | $717,951,200 | 1,278 |
| Average earning assets | $690,528,000 | 1,251 |
| Average equity | $78,481,200 | 1,150 |
| Average total loans | $618,493,400 | 1,071 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 735 |
| Cost of funding earning assets | 1.8370% | 946 |
| Net interest margin | 3.9125% | 1,372 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.9194% | 1,195 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9025% | 2,667 |
| Return on assets (ROA) | 0.9025% | 2,659 |
| Pretax return on assets | 1.2156% | 2,257 |
| Return on Equity (ROE) | 8.1200% | 3,157 |
| Retained earnings to average equity (ytd only) | -0.8135% | 4,238 |
| Net charge-offs to loans | -0.0009% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.0230% | 1,898 |
| Assets per employee ($millions) | 5.8669% | 2,871 |
| Cash dividends to net income (ytd only)* | 110.0168% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 973 |
| Loan loss allowance to noncurrent loans | 68.2107% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 145 |
| Noncurrent loans to loans | 2.2804% | 229 |
| Net loans and leases to total assets | 85.4200% | 184 |
| Net loans and leases to deposits | 97.0479% | 679 |
| Net loans and leases to core deposits | 142.4221% | 198 |
| Total domestic deposits to total assets | 88.0100% | 1,575 |
| Equity capital to assets | 10.8514% | 1,408 |
| Core capital (leverage) ratio | 11.3059% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8938% | 1,937 |
| Memoranda: | ||
| Average total assets | $705,023,000 | 1,298 |
| Average earning assets | $677,471,750 | 1,262 |
| Average equity | $78,347,250 | 1,144 |
| Average total loans | $620,087,000 | 1,064 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6446% | 696 |
| Cost of funding earning assets | 1.7026% | 879 |
| Net interest margin | 3.9420% | 1,344 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.9325% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9235% | 2,677 |
| Return on assets (ROA) | 0.9235% | 2,661 |
| Pretax return on assets | 1.2437% | 2,244 |
| Return on Equity (ROE) | 8.2400% | 3,174 |
| Retained earnings to average equity (ytd only) | -0.6644% | 4,183 |
| Net charge-offs to loans | 0.0003% | 2,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4,362.0000% | 22 |
| Efficiency ratio | 70.2192% | 1,746 |
| Assets per employee ($millions) | 5.8286% | 2,860 |
| Cash dividends to net income (ytd only)* | 108.0580% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,211 |
| Loan loss allowance to noncurrent loans | 84.2910% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.5481% | 227 |
| Noncurrent loans to loans | 1.7676% | 348 |
| Net loans and leases to total assets | 85.1200% | 201 |
| Net loans and leases to deposits | 96.7844% | 686 |
| Net loans and leases to core deposits | 139.0862% | 224 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 11.0081% | 1,383 |
| Core capital (leverage) ratio | 11.4990% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1544% | 1,828 |
| Memoranda: | ||
| Average total assets | $701,445,000 | 1,297 |
| Average earning assets | $673,561,667 | 1,260 |
| Average equity | $78,573,000 | 1,138 |
| Average total loans | $619,773,667 | 1,055 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 572 |
| Cost of funding earning assets | 1.5247% | 801 |
| Net interest margin | 4.0251% | 1,220 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.9577% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9038% | 2,842 |
| Return on assets (ROA) | 0.9038% | 2,801 |
| Pretax return on assets | 1.2179% | 2,383 |
| Return on Equity (ROE) | 8.0000% | 3,288 |
| Retained earnings to average equity (ytd only) | -0.8943% | 4,115 |
| Net charge-offs to loans | -0.0026% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8333% | 1,664 |
| Assets per employee ($millions) | 5.8346% | 2,906 |
| Cash dividends to net income (ytd only)* | 111.1817% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,307 |
| Loan loss allowance to noncurrent loans | 81.6019% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 181 |
| Noncurrent loans to loans | 1.8252% | 335 |
| Net loans and leases to total assets | 87.2500% | 97 |
| Net loans and leases to deposits | 99.5455% | 464 |
| Net loans and leases to core deposits | 139.3285% | 189 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 11.3820% | 1,195 |
| Core capital (leverage) ratio | 11.3632% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2755% | 1,874 |
| Memoranda: | ||
| Average total assets | $696,623,500 | 1,319 |
| Average earning assets | $667,917,000 | 1,286 |
| Average equity | $78,721,000 | 1,145 |
| Average total loans | $622,457,000 | 1,055 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7783% | 448 |
| Cost of funding earning assets | 0.5716% | 1,010 |
| Net interest margin | 4.2067% | 522 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.8453% | 1,234 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3116% | 1,387 |
| Return on assets (ROA) | 1.3116% | 1,354 |
| Pretax return on assets | 1.5906% | 1,188 |
| Return on Equity (ROE) | 12.2600% | 2,053 |
| Retained earnings to average equity (ytd only) | 0.0527% | 4,332 |
| Net charge-offs to loans | -0.0341% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.5033% | 2,566 |
| Assets per employee ($millions) | 5.8259% | 2,924 |
| Cash dividends to net income (ytd only)* | 99.5703% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,330 |
| Loan loss allowance to noncurrent loans | 93.6477% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 234 |
| Noncurrent loans to loans | 1.5518% | 417 |
| Net loans and leases to total assets | 88.8000% | 55 |
| Net loans and leases to deposits | 101.8608% | 368 |
| Net loans and leases to core deposits | 137.0011% | 161 |
| Total domestic deposits to total assets | 87.1800% | 2,334 |
| Equity capital to assets | 11.2165% | 1,178 |
| Core capital (leverage) ratio | 11.2446% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8396% | 2,035 |
| Memoranda: | ||
| Average total assets | $727,419,200 | 1,275 |
| Average earning assets | $694,553,400 | 1,243 |
| Average equity | $77,827,000 | 1,155 |
| Average total loans | $630,092,600 | 999 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 405 |
| Cost of funding earning assets | 0.4304% | 1,097 |
| Net interest margin | 4.1963% | 427 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.8407% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2496% | 1,524 |
| Return on assets (ROA) | 1.2496% | 1,496 |
| Pretax return on assets | 1.6833% | 934 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | -2.7737% | 4,526 |
| Net charge-offs to loans | -0.0421% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7919% | 2,714 |
| Assets per employee ($millions) | 5.6510% | 3,078 |
| Cash dividends to net income (ytd only)* | 123.4747% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,773 |
| Loan loss allowance to noncurrent loans | 74.8980% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.8490% | 151 |
| Noncurrent loans to loans | 1.8122% | 350 |
| Net loans and leases to total assets | 88.5600% | 49 |
| Net loans and leases to deposits | 100.8505% | 331 |
| Net loans and leases to core deposits | 182.1939% | 32 |
| Total domestic deposits to total assets | 87.8100% | 2,480 |
| Equity capital to assets | 10.6119% | 1,325 |
| Core capital (leverage) ratio | 10.9875% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2006% | 2,391 |
| Memoranda: | ||
| Average total assets | $734,497,500 | 1,275 |
| Average earning assets | $701,078,500 | 1,243 |
| Average equity | $77,680,000 | 1,173 |
| Average total loans | $630,123,250 | 992 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 396 |
| Cost of funding earning assets | 0.3619% | 1,181 |
| Net interest margin | 4.0996% | 402 |
| Noninterest income to average assets | 0.5481% | 1,957 |
| Noninterest expense to average assets | 2.8479% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1910% | 1,455 |
| Return on assets (ROA) | 1.1910% | 1,434 |
| Pretax return on assets | 1.6039% | 929 |
| Return on Equity (ROE) | 11.2737% | 1,897 |
| Retained earnings to average equity (ytd only) | -7.9603% | 4,623 |
| Net charge-offs to loans | -0.0555% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9727% | 2,776 |
| Assets per employee ($millions) | 5.7100% | 3,016 |
| Cash dividends to net income (ytd only)* | 170.6096% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,573 |
| Loan loss allowance to noncurrent loans | 234.2217% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 717 |
| Noncurrent loans to loans | 0.6176% | 1,375 |
| Net loans and leases to total assets | 80.0474% | 399 |
| Net loans and leases to deposits | 91.2887% | 646 |
| Net loans and leases to core deposits | 122.1347% | 179 |
| Total domestic deposits to total assets | 87.6860% | 2,700 |
| Equity capital to assets | 10.1788% | 1,606 |
| Core capital (leverage) ratio | 10.5452% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8223% | 2,142 |
| Memoranda: | ||
| Average total assets | $738,221,000 | 1,271 |
| Average earning assets | $702,948,000 | 1,244 |
| Average equity | $77,987,000 | 1,196 |
| Average total loans | $623,709,667 | 993 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 375 |
| Cost of funding earning assets | 0.3440% | 1,256 |
| Net interest margin | 4.0599% | 368 |
| Noninterest income to average assets | 0.7413% | 1,189 |
| Noninterest expense to average assets | 2.8473% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3047% | 995 |
| Return on assets (ROA) | 1.3047% | 987 |
| Pretax return on assets | 1.7569% | 611 |
| Return on Equity (ROE) | 12.1250% | 1,271 |
| Retained earnings to average equity (ytd only) | -20.8233% | 4,706 |
| Net charge-offs to loans | -0.0899% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8410% | 3,280 |
| Assets per employee ($millions) | 5.7070% | 3,112 |
| Cash dividends to net income (ytd only)* | 271.7391% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,905 |
| Loan loss allowance to noncurrent loans | 245.5693% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 762 |
| Noncurrent loans to loans | 0.5699% | 1,616 |
| Net loans and leases to total assets | 83.8011% | 93 |
| Net loans and leases to deposits | 97.7408% | 239 |
| Net loans and leases to core deposits | 125.1640% | 117 |
| Total domestic deposits to total assets | 85.7380% | 3,333 |
| Equity capital to assets | 10.3462% | 1,661 |
| Core capital (leverage) ratio | 10.4776% | 1,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4236% | 2,435 |
| Memoranda: | ||
| Average total assets | $733,329,500 | 1,278 |
| Average earning assets | $697,754,000 | 1,260 |
| Average equity | $78,911,500 | 1,214 |
| Average total loans | $631,791,500 | 972 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 518 |
| Cost of funding earning assets | 0.4458% | 1,234 |
| Net interest margin | 4.1424% | 547 |
| Noninterest income to average assets | 0.5747% | 2,259 |
| Noninterest expense to average assets | 2.9720% | 1,028 |
| Loan and lease loss provision to assets | -0.0745% | 4,463 |
| Net operating income to assets | 1.6036% | 799 |
| Return on assets (ROA) | 1.6036% | 831 |
| Pretax return on assets | 1.5955% | 1,435 |
| Return on Equity (ROE) | 14.9071% | 972 |
| Retained earnings to average equity (ytd only) | 9.7288% | 983 |
| Net charge-offs to loans | -0.2788% | 4,743 |
| Credit loss provision to net charge-offs | 30.9786% | 2,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1480% | 2,237 |
| Assets per employee ($millions) | 5.7067% | 3,046 |
| Cash dividends to net income (ytd only)* | 34.7373% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,130 |
| Loan loss allowance to noncurrent loans | 356.2862% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 1,103 |
| Noncurrent loans to loans | 0.3791% | 2,229 |
| Net loans and leases to total assets | 86.1469% | 57 |
| Net loans and leases to deposits | 102.4726% | 155 |
| Net loans and leases to core deposits | 127.4541% | 113 |
| Total domestic deposits to total assets | 84.0682% | 3,542 |
| Equity capital to assets | 11.1785% | 1,680 |
| Core capital (leverage) ratio | 11.1544% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0561% | 2,221 |
| Memoranda: | ||
| Average total assets | $718,092,000 | 1,264 |
| Average earning assets | $679,237,200 | 1,248 |
| Average equity | $77,245,200 | 1,239 |
| Average total loans | $619,521,600 | 974 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 540 |
| Cost of funding earning assets | 0.4687% | 1,224 |
| Net interest margin | 4.1602% | 588 |
| Noninterest income to average assets | 0.4943% | 2,648 |
| Noninterest expense to average assets | 2.9568% | 1,036 |
| Loan and lease loss provision to assets | -0.0997% | 4,604 |
| Net operating income to assets | 1.1634% | 2,311 |
| Return on assets (ROA) | 1.1634% | 2,375 |
| Pretax return on assets | 1.5651% | 1,808 |
| Return on Equity (ROE) | 10.9248% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.6716% | 2,968 |
| Net charge-offs to loans | -0.2350% | 4,787 |
| Credit loss provision to net charge-offs | 49.3542% | 1,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8635% | 1,988 |
| Assets per employee ($millions) | 5.6277% | 3,064 |
| Cash dividends to net income (ytd only)* | 48.0846% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,654 |
| Loan loss allowance to noncurrent loans | 310.6781% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 1,189 |
| Noncurrent loans to loans | 0.4072% | 2,339 |
| Net loans and leases to total assets | 87.0551% | 53 |
| Net loans and leases to deposits | 104.0354% | 153 |
| Net loans and leases to core deposits | 131.3091% | 111 |
| Total domestic deposits to total assets | 83.6784% | 3,546 |
| Equity capital to assets | 10.8690% | 2,109 |
| Core capital (leverage) ratio | 10.6371% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2336% | 2,636 |
| Memoranda: | ||
| Average total assets | $715,001,000 | 1,290 |
| Average earning assets | $675,053,750 | 1,271 |
| Average equity | $76,143,000 | 1,274 |
| Average total loans | $614,932,000 | 1,001 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 547 |
| Cost of funding earning assets | 0.4962% | 1,223 |
| Net interest margin | 4.1817% | 603 |
| Noninterest income to average assets | 0.4397% | 2,904 |
| Noninterest expense to average assets | 3.0435% | 915 |
| Loan and lease loss provision to assets | -0.1496% | 4,706 |
| Net operating income to assets | 1.1073% | 2,517 |
| Return on assets (ROA) | 1.1073% | 2,582 |
| Pretax return on assets | 1.4887% | 2,051 |
| Return on Equity (ROE) | 10.4694% | 2,592 |
| Retained earnings to average equity (ytd only) | 5.1805% | 3,122 |
| Net charge-offs to loans | -0.2938% | 4,839 |
| Credit loss provision to net charge-offs | 59.7098% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4448% | 1,712 |
| Assets per employee ($millions) | 5.6108% | 3,006 |
| Cash dividends to net income (ytd only)* | 50.5178% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,659 |
| Loan loss allowance to noncurrent loans | 212.3602% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 1,032 |
| Noncurrent loans to loans | 0.5912% | 1,922 |
| Net loans and leases to total assets | 85.9057% | 85 |
| Net loans and leases to deposits | 103.0745% | 199 |
| Net loans and leases to core deposits | 129.7350% | 129 |
| Total domestic deposits to total assets | 83.3433% | 3,626 |
| Equity capital to assets | 10.7268% | 2,207 |
| Core capital (leverage) ratio | 10.0639% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2802% | 2,617 |
| Memoranda: | ||
| Average total assets | $715,096,667 | 1,280 |
| Average earning assets | $674,271,333 | 1,267 |
| Average equity | $75,630,000 | 1,277 |
| Average total loans | $609,853,667 | 1,015 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 352 |
| Cost of funding earning assets | 0.5377% | 1,174 |
| Net interest margin | 4.4653% | 380 |
| Noninterest income to average assets | 0.3758% | 3,216 |
| Noninterest expense to average assets | 2.7171% | 1,584 |
| Loan and lease loss provision to assets | 0.1340% | 1,011 |
| Net operating income to assets | 1.2826% | 1,882 |
| Return on assets (ROA) | 1.2826% | 1,953 |
| Pretax return on assets | 1.7259% | 1,438 |
| Return on Equity (ROE) | 12.2137% | 1,939 |
| Retained earnings to average equity (ytd only) | 6.8965% | 2,607 |
| Net charge-offs to loans | 0.1951% | 418 |
| Credit loss provision to net charge-offs | 81.3559% | 1,202 |
| Earnings coverage of net charge-offs (x) | 11.2915% | 1,461 |
| Efficiency ratio | 59.3632% | 3,105 |
| Assets per employee ($millions) | 5.6687% | 2,950 |
| Cash dividends to net income (ytd only)* | 43.5350% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,898 |
| Loan loss allowance to noncurrent loans | 238.6010% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 1,284 |
| Noncurrent loans to loans | 0.5058% | 2,343 |
| Net loans and leases to total assets | 83.7790% | 158 |
| Net loans and leases to deposits | 97.0817% | 372 |
| Net loans and leases to core deposits | 124.4537% | 204 |
| Total domestic deposits to total assets | 86.2974% | 2,625 |
| Equity capital to assets | 10.5274% | 2,248 |
| Core capital (leverage) ratio | 10.1407% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6321% | 2,432 |
| Memoranda: | ||
| Average total assets | $716,359,500 | 1,264 |
| Average earning assets | $673,995,000 | 1,253 |
| Average equity | $75,227,000 | 1,274 |
| Average total loans | $604,819,500 | 1,017 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 555 |
| Cost of funding earning assets | 0.9555% | 700 |
| Net interest margin | 3.9847% | 1,005 |
| Noninterest income to average assets | 0.5895% | 2,257 |
| Noninterest expense to average assets | 2.8823% | 1,733 |
| Loan and lease loss provision to assets | 0.1127% | 2,939 |
| Net operating income to assets | 0.9855% | 2,348 |
| Return on assets (ROA) | 0.9987% | 2,441 |
| Pretax return on assets | 1.3449% | 1,837 |
| Return on Equity (ROE) | 9.1752% | 2,327 |
| Retained earnings to average equity (ytd only) | -3.2461% | 4,775 |
| Net charge-offs to loans | -0.0975% | 4,808 |
| Credit loss provision to net charge-offs | -139.6648% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6701% | 2,412 |
| Assets per employee ($millions) | 5.5545% | 2,786 |
| Cash dividends to net income (ytd only)* | 135.3791% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,753 |
| Loan loss allowance to noncurrent loans | 220.6599% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 1,339 |
| Noncurrent loans to loans | 0.5615% | 2,298 |
| Net loans and leases to total assets | 83.2240% | 216 |
| Net loans and leases to deposits | 98.2686% | 450 |
| Net loans and leases to core deposits | 126.4352% | 234 |
| Total domestic deposits to total assets | 84.6904% | 2,888 |
| Equity capital to assets | 10.2300% | 2,904 |
| Core capital (leverage) ratio | 10.3380% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3920% | 2,489 |
| Memoranda: | ||
| Average total assets | $665,678,400 | 1,225 |
| Average earning assets | $623,758,800 | 1,221 |
| Average equity | $72,455,800 | 1,262 |
| Average total loans | $550,949,000 | 1,054 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 587 |
| Cost of funding earning assets | 1.0458% | 649 |
| Net interest margin | 3.9705% | 1,184 |
| Noninterest income to average assets | 0.6190% | 2,104 |
| Noninterest expense to average assets | 2.8891% | 1,730 |
| Loan and lease loss provision to assets | 0.0611% | 3,577 |
| Net operating income to assets | 1.0250% | 2,234 |
| Return on assets (ROA) | 1.0428% | 2,305 |
| Pretax return on assets | 1.4039% | 1,719 |
| Return on Equity (ROE) | 9.4269% | 2,239 |
| Retained earnings to average equity (ytd only) | -5.3084% | 4,851 |
| Net charge-offs to loans | -0.1299% | 4,866 |
| Credit loss provision to net charge-offs | -57.1429% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6996% | 2,369 |
| Assets per employee ($millions) | 5.0743% | 3,152 |
| Cash dividends to net income (ytd only)* | 156.3111% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,431 |
| Loan loss allowance to noncurrent loans | 227.7814% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 1,212 |
| Noncurrent loans to loans | 0.5457% | 2,433 |
| Net loans and leases to total assets | 83.8440% | 294 |
| Net loans and leases to deposits | 100.9635% | 498 |
| Net loans and leases to core deposits | 118.1406% | 453 |
| Total domestic deposits to total assets | 83.0439% | 3,138 |
| Equity capital to assets | 10.9639% | 2,424 |
| Core capital (leverage) ratio | 10.3008% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7751% | 2,293 |
| Memoranda: | ||
| Average total assets | $654,355,500 | 1,229 |
| Average earning assets | $611,828,000 | 1,224 |
| Average equity | $72,386,750 | 1,241 |
| Average total loans | $538,906,000 | 1,069 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 581 |
| Cost of funding earning assets | 1.1152% | 680 |
| Net interest margin | 4.0768% | 1,167 |
| Noninterest income to average assets | 0.4674% | 2,725 |
| Noninterest expense to average assets | 2.8634% | 1,932 |
| Loan and lease loss provision to assets | 0.0919% | 3,119 |
| Net operating income to assets | 0.9773% | 2,404 |
| Return on assets (ROA) | 0.9773% | 2,536 |
| Pretax return on assets | 1.3157% | 1,980 |
| Return on Equity (ROE) | 8.8085% | 2,444 |
| Retained earnings to average equity (ytd only) | -10.5266% | 4,927 |
| Net charge-offs to loans | -0.1030% | 4,856 |
| Credit loss provision to net charge-offs | -109.4891% | 3,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0422% | 2,370 |
| Assets per employee ($millions) | 5.3338% | 2,793 |
| Cash dividends to net income (ytd only)* | 219.5045% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,576 |
| Loan loss allowance to noncurrent loans | 161.1431% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4196% | 678 |
| Noncurrent loans to loans | 0.7378% | 2,032 |
| Net loans and leases to total assets | 81.0478% | 494 |
| Net loans and leases to deposits | 96.8044% | 739 |
| Net loans and leases to core deposits | 116.6356% | 511 |
| Total domestic deposits to total assets | 83.7233% | 2,841 |
| Equity capital to assets | 10.3988% | 2,840 |
| Core capital (leverage) ratio | 9.9987% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2834% | 2,490 |
| Memoranda: | ||
| Average total assets | $652,586,333 | 1,207 |
| Average earning assets | $608,865,000 | 1,208 |
| Average equity | $72,407,333 | 1,234 |
| Average total loans | $531,858,333 | 1,064 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 704 |
| Cost of funding earning assets | 1.2156% | 731 |
| Net interest margin | 3.9481% | 1,536 |
| Noninterest income to average assets | 0.5173% | 2,460 |
| Noninterest expense to average assets | 3.0653% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8323% | 2,786 |
| Return on assets (ROA) | 0.8323% | 2,870 |
| Pretax return on assets | 1.1253% | 2,440 |
| Return on Equity (ROE) | 7.2547% | 2,850 |
| Retained earnings to average equity (ytd only) | -25.6961% | 5,015 |
| Net charge-offs to loans | -0.1877% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1469% | 1,925 |
| Assets per employee ($millions) | 4.8687% | 2,791 |
| Cash dividends to net income (ytd only)* | 454.2014% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,563 |
| Loan loss allowance to noncurrent loans | 297.6202% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 979 |
| Noncurrent loans to loans | 0.4098% | 3,025 |
| Net loans and leases to total assets | 80.9924% | 561 |
| Net loans and leases to deposits | 93.6872% | 1,105 |
| Net loans and leases to core deposits | 123.1968% | 382 |
| Total domestic deposits to total assets | 86.4498% | 1,806 |
| Equity capital to assets | 11.0895% | 2,783 |
| Core capital (leverage) ratio | 10.2455% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6752% | 2,852 |
| Memoranda: | ||
| Average total assets | $634,850,500 | 1,204 |
| Average earning assets | $590,668,000 | 1,203 |
| Average equity | $72,836,000 | 1,226 |
| Average total loans | $515,604,500 | 1,068 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 1,794 |
| Cost of funding earning assets | 1.4376% | 489 |
| Net interest margin | 3.4479% | 3,597 |
| Noninterest income to average assets | 0.5875% | 2,282 |
| Noninterest expense to average assets | 3.4012% | 1,115 |
| Loan and lease loss provision to assets | -0.3948% | 5,158 |
| Net operating income to assets | 0.5659% | 4,255 |
| Return on assets (ROA) | 0.5659% | 4,306 |
| Pretax return on assets | 0.7596% | 4,058 |
| Return on Equity (ROE) | 5.0121% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.0121% | 2,406 |
| Net charge-offs to loans | -0.1812% | 5,049 |
| Credit loss provision to net charge-offs | 286.0360% | 981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3133% | 345 |
| Assets per employee ($millions) | 4.8237% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,396 |
| Loan loss allowance to noncurrent loans | 272.5900% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 871 |
| Noncurrent loans to loans | 0.4429% | 2,856 |
| Net loans and leases to total assets | 79.4626% | 860 |
| Net loans and leases to deposits | 92.7469% | 1,285 |
| Net loans and leases to core deposits | 118.5495% | 518 |
| Total domestic deposits to total assets | 85.6769% | 2,205 |
| Equity capital to assets | 11.8599% | 2,232 |
| Core capital (leverage) ratio | 11.0769% | 2,429 |
| Tier 1 risk-based capital ratio | 12.1239% | 4,288 |
| Total risk-based capital ratio | 13.2189% | 4,256 |
| Memoranda: | ||
| Average total assets | $643,357,000 | 1,162 |
| Average earning assets | $593,080,800 | 1,168 |
| Average equity | $72,644,400 | 1,188 |
| Average total loans | $490,142,200 | 1,098 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 2,007 |
| Cost of funding earning assets | 1.4734% | 444 |
| Net interest margin | 3.3636% | 3,953 |
| Noninterest income to average assets | 0.6105% | 2,150 |
| Noninterest expense to average assets | 3.5217% | 922 |
| Loan and lease loss provision to assets | -0.5241% | 5,245 |
| Net operating income to assets | 0.5253% | 4,459 |
| Return on assets (ROA) | 0.5253% | 4,509 |
| Pretax return on assets | 0.7050% | 4,332 |
| Return on Equity (ROE) | 4.7101% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.7101% | 3,052 |
| Net charge-offs to loans | -0.3344% | 5,165 |
| Credit loss provision to net charge-offs | 208.5386% | 1,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1131% | 215 |
| Assets per employee ($millions) | 4.7313% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 1,848 |
| Loan loss allowance to noncurrent loans | 225.3376% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 778 |
| Noncurrent loans to loans | 0.5894% | 2,516 |
| Net loans and leases to total assets | 75.4268% | 1,578 |
| Net loans and leases to deposits | 88.1399% | 1,911 |
| Net loans and leases to core deposits | 106.7364% | 1,129 |
| Total domestic deposits to total assets | 85.5763% | 2,178 |
| Equity capital to assets | 11.8238% | 2,397 |
| Core capital (leverage) ratio | 10.5452% | 3,066 |
| Tier 1 risk-based capital ratio | 12.7167% | 4,017 |
| Total risk-based capital ratio | 13.9232% | 3,915 |
| Memoranda: | ||
| Average total assets | $646,220,750 | 1,151 |
| Average earning assets | $594,067,250 | 1,160 |
| Average equity | $72,069,750 | 1,190 |
| Average total loans | $485,612,250 | 1,108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 2,334 |
| Cost of funding earning assets | 1.4321% | 478 |
| Net interest margin | 3.2763% | 4,185 |
| Noninterest income to average assets | 0.6675% | 1,844 |
| Noninterest expense to average assets | 3.1953% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3508% | 4,800 |
| Return on assets (ROA) | 0.3508% | 4,819 |
| Pretax return on assets | 0.4704% | 4,739 |
| Return on Equity (ROE) | 3.2066% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.2066% | 3,623 |
| Net charge-offs to loans | 0.6237% | 245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.0092% | 3,061 |
| Efficiency ratio | 87.1671% | 488 |
| Assets per employee ($millions) | 4.9506% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,098 |
| Loan loss allowance to noncurrent loans | 162.6059% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 2.2576% | 360 |
| Noncurrent loans to loans | 0.7872% | 2,020 |
| Net loans and leases to total assets | 72.4658% | 2,152 |
| Net loans and leases to deposits | 83.8800% | 2,501 |
| Net loans and leases to core deposits | 138.4466% | 211 |
| Total domestic deposits to total assets | 86.3923% | 1,858 |
| Equity capital to assets | 11.0842% | 2,960 |
| Core capital (leverage) ratio | 10.5853% | 2,993 |
| Tier 1 risk-based capital ratio | 12.6119% | 4,070 |
| Total risk-based capital ratio | 13.7526% | 4,012 |
| Memoranda: | ||
| Average total assets | $653,452,000 | 1,140 |
| Average earning assets | $597,996,000 | 1,142 |
| Average equity | $71,478,670 | 1,191 |
| Average total loans | $488,349,000 | 1,104 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 2,333 |
| Cost of funding earning assets | 1.3622% | 523 |
| Net interest margin | 3.3029% | 4,152 |
| Noninterest income to average assets | 0.6470% | 1,831 |
| Noninterest expense to average assets | 3.1354% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3961% | 4,742 |
| Return on assets (ROA) | 0.3961% | 4,755 |
| Pretax return on assets | 0.5307% | 4,621 |
| Return on Equity (ROE) | 3.6450% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.6450% | 3,463 |
| Net charge-offs to loans | 0.0008% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 867.0000% | 67 |
| Efficiency ratio | 85.5235% | 612 |
| Assets per employee ($millions) | 4.8363% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5751% | 1,113 |
| Loan loss allowance to noncurrent loans | 131.0416% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.7186% | 257 |
| Noncurrent loans to loans | 1.2020% | 1,374 |
| Net loans and leases to total assets | 74.4347% | 1,723 |
| Net loans and leases to deposits | 86.2235% | 2,105 |
| Net loans and leases to core deposits | 144.8637% | 149 |
| Total domestic deposits to total assets | 86.3276% | 2,133 |
| Equity capital to assets | 11.1078% | 2,740 |
| Core capital (leverage) ratio | 10.7317% | 2,820 |
| Tier 1 risk-based capital ratio | 11.8901% | 4,520 |
| Total risk-based capital ratio | 13.1429% | 4,422 |
| Memoranda: | ||
| Average total assets | $653,437,000 | 1,152 |
| Average earning assets | $597,285,500 | 1,151 |
| Average equity | $71,001,500 | 1,193 |
| Average total loans | $492,678,000 | 1,093 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 2,372 |
| Cost of funding earning assets | 0.9854% | 802 |
| Net interest margin | 3.5437% | 3,563 |
| Noninterest income to average assets | 0.5637% | 2,474 |
| Noninterest expense to average assets | 3.5820% | 895 |
| Loan and lease loss provision to assets | -0.7407% | 5,394 |
| Net operating income to assets | 0.7167% | 4,094 |
| Return on assets (ROA) | 0.7167% | 4,099 |
| Pretax return on assets | 0.9339% | 3,802 |
| Return on Equity (ROE) | 6.9280% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.9280% | 1,706 |
| Net charge-offs to loans | -0.9274% | 5,360 |
| Credit loss provision to net charge-offs | 105.4217% | 2,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8804% | 228 |
| Assets per employee ($millions) | 4.8293% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 1,183 |
| Loan loss allowance to noncurrent loans | 109.5340% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 2.8650% | 234 |
| Noncurrent loans to loans | 1.4023% | 1,111 |
| Net loans and leases to total assets | 74.2492% | 1,901 |
| Net loans and leases to deposits | 85.2934% | 2,375 |
| Net loans and leases to core deposits | 154.3427% | 115 |
| Total domestic deposits to total assets | 87.0514% | 1,765 |
| Equity capital to assets | 10.3575% | 3,321 |
| Core capital (leverage) ratio | 10.2919% | 3,255 |
| Tier 1 risk-based capital ratio | 11.0565% | 4,951 |
| Total risk-based capital ratio | 12.3065% | 4,842 |
| Memoranda: | ||
| Average total assets | $637,942,200 | 1,142 |
| Average earning assets | $578,152,600 | 1,162 |
| Average equity | $65,993,200 | 1,222 |
| Average total loans | $483,305,200 | 1,082 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 2,351 |
| Cost of funding earning assets | 0.8926% | 954 |
| Net interest margin | 3.5937% | 3,391 |
| Noninterest income to average assets | 0.5789% | 2,426 |
| Noninterest expense to average assets | 3.6688% | 786 |
| Loan and lease loss provision to assets | -0.7542% | 5,465 |
| Net operating income to assets | 0.7054% | 4,206 |
| Return on assets (ROA) | 0.7054% | 4,215 |
| Pretax return on assets | 0.9113% | 3,982 |
| Return on Equity (ROE) | 6.8216% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.8216% | 2,221 |
| Net charge-offs to loans | -0.8449% | 5,427 |
| Credit loss provision to net charge-offs | 117.6761% | 2,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8921% | 200 |
| Assets per employee ($millions) | 4.8698% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,394 |
| Loan loss allowance to noncurrent loans | 102.4753% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 3.0802% | 229 |
| Noncurrent loans to loans | 1.4496% | 1,134 |
| Net loans and leases to total assets | 75.4537% | 1,739 |
| Net loans and leases to deposits | 86.8747% | 2,274 |
| Net loans and leases to core deposits | 158.5889% | 95 |
| Total domestic deposits to total assets | 86.8534% | 1,798 |
| Equity capital to assets | 10.3123% | 3,321 |
| Core capital (leverage) ratio | 10.0930% | 3,530 |
| Tier 1 risk-based capital ratio | 10.9561% | 5,056 |
| Total risk-based capital ratio | 12.2041% | 4,960 |
| Memoranda: | ||
| Average total assets | $632,023,500 | 1,157 |
| Average earning assets | $571,060,500 | 1,179 |
| Average equity | $65,359,750 | 1,229 |
| Average total loans | $479,404,500 | 1,089 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,645 |
| Cost of funding earning assets | 0.8001% | 1,126 |
| Net interest margin | 3.5348% | 3,516 |
| Noninterest income to average assets | 0.4879% | 2,932 |
| Noninterest expense to average assets | 3.8411% | 643 |
| Loan and lease loss provision to assets | -1.1407% | 5,536 |
| Net operating income to assets | 0.7648% | 3,977 |
| Return on assets (ROA) | 0.7648% | 3,983 |
| Pretax return on assets | 0.9706% | 3,750 |
| Return on Equity (ROE) | 7.3888% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.3888% | 1,889 |
| Net charge-offs to loans | -1.1117% | 5,494 |
| Credit loss provision to net charge-offs | 135.7251% | 1,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6328% | 124 |
| Assets per employee ($millions) | 4.4485% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 1,530 |
| Loan loss allowance to noncurrent loans | 101.3681% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 3.2244% | 215 |
| Noncurrent loans to loans | 1.4369% | 1,179 |
| Net loans and leases to total assets | 77.3200% | 1,417 |
| Net loans and leases to deposits | 89.7197% | 1,875 |
| Net loans and leases to core deposits | 145.1366% | 153 |
| Total domestic deposits to total assets | 86.1795% | 2,198 |
| Equity capital to assets | 10.8254% | 2,811 |
| Core capital (leverage) ratio | 10.9136% | 2,591 |
| Tier 1 risk-based capital ratio | 11.3862% | 4,847 |
| Total risk-based capital ratio | 12.6153% | 4,761 |
| Memoranda: | ||
| Average total assets | $626,801,330 | 1,162 |
| Average earning assets | $564,449,330 | 1,195 |
| Average equity | $64,882,330 | 1,235 |
| Average total loans | $473,847,670 | 1,104 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,211 |
| Cost of funding earning assets | 0.7529% | 1,175 |
| Net interest margin | 3.6426% | 3,017 |
| Noninterest income to average assets | -0.1215% | 5,591 |
| Noninterest expense to average assets | 3.7754% | 695 |
| Loan and lease loss provision to assets | -1.2904% | 5,602 |
| Net operating income to assets | 0.5231% | 4,638 |
| Return on assets (ROA) | 0.5231% | 4,640 |
| Pretax return on assets | 0.6609% | 4,545 |
| Return on Equity (ROE) | 5.1666% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.1666% | 3,091 |
| Net charge-offs to loans | -1.0617% | 5,541 |
| Credit loss provision to net charge-offs | 163.7380% | 1,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0080% | 62 |
| Assets per employee ($millions) | 4.3834% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,227 |
| Loan loss allowance to noncurrent loans | 114.6637% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2866% | 224 |
| Noncurrent loans to loans | 1.3696% | 1,310 |
| Net loans and leases to total assets | 74.1877% | 1,827 |
| Net loans and leases to deposits | 87.8853% | 1,944 |
| Net loans and leases to core deposits | 133.3739% | 290 |
| Total domestic deposits to total assets | 84.4142% | 3,141 |
| Equity capital to assets | 10.7389% | 2,830 |
| Core capital (leverage) ratio | 10.4067% | 3,058 |
| Tier 1 risk-based capital ratio | 11.7186% | 4,729 |
| Total risk-based capital ratio | 12.9746% | 4,613 |
| Memoranda: | ||
| Average total assets | $635,478,000 | 1,157 |
| Average earning assets | $570,035,000 | 1,188 |
| Average equity | $64,336,000 | 1,254 |
| Average total loans | $471,676,500 | 1,118 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 951 |
| Cost of funding earning assets | 0.7156% | 947 |
| Net interest margin | 4.0990% | 1,441 |
| Noninterest income to average assets | 1.8800% | 324 |
| Noninterest expense to average assets | 6.8069% | 120 |
| Loan and lease loss provision to assets | 1.3360% | 67 |
| Net operating income to assets | -2.8118% | 5,649 |
| Return on assets (ROA) | -2.8118% | 5,649 |
| Pretax return on assets | -2.5829% | 5,648 |
| Return on Equity (ROE) | -29.1782% | 5,653 |
| Retained earnings to average equity (ytd only) | -29.1782% | 5,639 |
| Net charge-offs to loans | 1.6408% | 96 |
| Credit loss provision to net charge-offs | 110.5214% | 2,355 |
| Earnings coverage of net charge-offs (x) | -1.0315% | 4,044 |
| Efficiency ratio | 122.4272% | 56 |
| Assets per employee ($millions) | 4.7213% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,120 |
| Loan loss allowance to noncurrent loans | 231.9836% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 2.4784% | 381 |
| Noncurrent loans to loans | 0.6945% | 2,473 |
| Net loans and leases to total assets | 72.0169% | 2,235 |
| Net loans and leases to deposits | 88.7723% | 1,928 |
| Net loans and leases to core deposits | 129.1552% | 361 |
| Total domestic deposits to total assets | 81.1254% | 4,093 |
| Equity capital to assets | 9.5733% | 4,164 |
| Core capital (leverage) ratio | 9.0840% | 4,544 |
| Tier 1 risk-based capital ratio | 10.8328% | 5,244 |
| Total risk-based capital ratio | 12.0905% | 5,128 |
| Memoranda: | ||
| Average total assets | $710,779,800 | 1,028 |
| Average earning assets | $638,107,600 | 1,056 |
| Average equity | $68,496,400 | 1,165 |
| Average total loans | $523,662,400 | 981 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,113 |
| Cost of funding earning assets | 0.6904% | 1,011 |
| Net interest margin | 4.0204% | 1,633 |
| Noninterest income to average assets | 2.0125% | 305 |
| Noninterest expense to average assets | 7.1335% | 114 |
| Loan and lease loss provision to assets | 2.0526% | 37 |
| Net operating income to assets | -3.8107% | 5,724 |
| Return on assets (ROA) | -3.8107% | 5,724 |
| Pretax return on assets | -3.5752% | 5,723 |
| Return on Equity (ROE) | -37.3753% | 5,723 |
| Retained earnings to average equity (ytd only) | -37.3753% | 5,711 |
| Net charge-offs to loans | 2.4909% | 55 |
| Credit loss provision to net charge-offs | 112.3579% | 2,116 |
| Earnings coverage of net charge-offs (x) | -0.8335% | 3,716 |
| Efficiency ratio | 127.1363% | 52 |
| Assets per employee ($millions) | 3.3376% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,265 |
| Loan loss allowance to noncurrent loans | 217.4947% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 2.5114% | 426 |
| Noncurrent loans to loans | 0.7303% | 2,531 |
| Net loans and leases to total assets | 72.4110% | 2,200 |
| Net loans and leases to deposits | 91.8528% | 1,588 |
| Net loans and leases to core deposits | 141.0051% | 193 |
| Total domestic deposits to total assets | 78.8337% | 4,564 |
| Equity capital to assets | 9.0494% | 4,874 |
| Core capital (leverage) ratio | 8.6729% | 5,087 |
| Tier 1 risk-based capital ratio | 10.4904% | 5,452 |
| Total risk-based capital ratio | 11.7484% | 5,384 |
| Memoranda: | ||
| Average total assets | $725,236,000 | 1,020 |
| Average earning assets | $649,110,250 | 1,041 |
| Average equity | $73,943,500 | 1,086 |
| Average total loans | $531,896,000 | 965 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,468 |
| Cost of funding earning assets | 0.6637% | 1,073 |
| Net interest margin | 3.8565% | 2,070 |
| Noninterest income to average assets | 1.8945% | 343 |
| Noninterest expense to average assets | 7.5424% | 107 |
| Loan and lease loss provision to assets | 3.5598% | 22 |
| Net operating income to assets | -5.9683% | 5,776 |
| Return on assets (ROA) | -5.9683% | 5,776 |
| Pretax return on assets | -5.7651% | 5,776 |
| Return on Equity (ROE) | -56.5003% | 5,776 |
| Retained earnings to average equity (ytd only) | -56.5003% | 5,766 |
| Net charge-offs to loans | 4.1024% | 28 |
| Credit loss provision to net charge-offs | 118.4387% | 1,796 |
| Earnings coverage of net charge-offs (x) | -0.7337% | 3,430 |
| Efficiency ratio | 141.3204% | 36 |
| Assets per employee ($millions) | 3.3631% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8280% | 838 |
| Loan loss allowance to noncurrent loans | 450.6487% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3146% | 503 |
| Noncurrent loans to loans | 0.4056% | 3,572 |
| Net loans and leases to total assets | 69.3320% | 2,616 |
| Net loans and leases to deposits | 88.0081% | 1,981 |
| Net loans and leases to core deposits | 126.7151% | 371 |
| Total domestic deposits to total assets | 78.7791% | 4,668 |
| Equity capital to assets | 8.9570% | 4,943 |
| Core capital (leverage) ratio | 8.5154% | 5,206 |
| Tier 1 risk-based capital ratio | 10.5842% | 5,430 |
| Total risk-based capital ratio | 11.8463% | 5,351 |
| Memoranda: | ||
| Average total assets | $732,237,000 | 1,012 |
| Average earning assets | $653,642,670 | 1,039 |
| Average equity | $77,348,330 | 1,045 |
| Average total loans | $536,470,670 | 961 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,441 |
| Cost of funding earning assets | 0.6283% | 1,202 |
| Net interest margin | 3.8454% | 1,968 |
| Noninterest income to average assets | 1.5314% | 469 |
| Noninterest expense to average assets | 5.2424% | 210 |
| Loan and lease loss provision to assets | -0.7513% | 5,844 |
| Net operating income to assets | 0.3088% | 5,169 |
| Return on assets (ROA) | 0.3088% | 5,193 |
| Pretax return on assets | 0.4611% | 5,030 |
| Return on Equity (ROE) | 2.7298% | 5,171 |
| Retained earnings to average equity (ytd only) | 2.7298% | 4,045 |
| Net charge-offs to loans | 0.0230% | 2,306 |
| Credit loss provision to net charge-offs | -4,393.7500% | 4,690 |
| Earnings coverage of net charge-offs (x) | -16.9688% | 2,926 |
| Efficiency ratio | 105.8589% | 163 |
| Assets per employee ($millions) | 3.5510% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,015 |
| Loan loss allowance to noncurrent loans | 279.0371% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 2.2247% | 558 |
| Noncurrent loans to loans | 0.3738% | 3,752 |
| Net loans and leases to total assets | 71.1364% | 2,194 |
| Net loans and leases to deposits | 94.9078% | 1,028 |
| Net loans and leases to core deposits | 131.2336% | 249 |
| Total domestic deposits to total assets | 74.9531% | 5,336 |
| Equity capital to assets | 11.4518% | 2,213 |
| Core capital (leverage) ratio | 11.4062% | 2,019 |
| Tier 1 risk-based capital ratio | 13.1683% | 3,978 |
| Total risk-based capital ratio | 14.0613% | 4,090 |
| Memoranda: | ||
| Average total assets | $748,591,500 | 994 |
| Average earning assets | $665,944,000 | 1,021 |
| Average equity | $84,694,000 | 963 |
| Average total loans | $557,692,000 | 923 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 455 |
| Cost of funding earning assets | 0.5694% | 1,543 |
| Net interest margin | 4.5795% | 526 |
| Noninterest income to average assets | 3.6685% | 157 |
| Noninterest expense to average assets | 7.0428% | 131 |
| Loan and lease loss provision to assets | -0.0598% | 5,613 |
| Net operating income to assets | 0.5194% | 4,553 |
| Return on assets (ROA) | 0.5194% | 4,639 |
| Pretax return on assets | 0.7831% | 4,235 |
| Return on Equity (ROE) | 4.4806% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.4806% | 2,724 |
| Net charge-offs to loans | -0.4488% | 5,826 |
| Credit loss provision to net charge-offs | 15.9415% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6856% | 513 |
| Assets per employee ($millions) | 3.5306% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,350 |
| Loan loss allowance to noncurrent loans | 178.6826% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 2.7883% | 394 |
| Noncurrent loans to loans | 0.9001% | 2,297 |
| Net loans and leases to total assets | 76.2196% | 1,480 |
| Net loans and leases to deposits | 107.8435% | 278 |
| Net loans and leases to core deposits | 141.4985% | 157 |
| Total domestic deposits to total assets | 70.6761% | 5,630 |
| Equity capital to assets | 11.1704% | 2,454 |
| Core capital (leverage) ratio | 11.0442% | 2,301 |
| Tier 1 risk-based capital ratio | 12.1285% | 4,641 |
| Total risk-based capital ratio | 13.3823% | 4,510 |
| Memoranda: | ||
| Average total assets | $711,251,600 | 1,007 |
| Average earning assets | $636,429,600 | 1,023 |
| Average equity | $82,445,000 | 966 |
| Average total loans | $593,995,800 | 840 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 580 |
| Cost of funding earning assets | 0.5502% | 1,689 |
| Net interest margin | 4.4694% | 678 |
| Noninterest income to average assets | 4.1954% | 149 |
| Noninterest expense to average assets | 7.7005% | 111 |
| Loan and lease loss provision to assets | -0.0809% | 5,767 |
| Net operating income to assets | 0.3904% | 5,051 |
| Return on assets (ROA) | 0.3904% | 5,141 |
| Pretax return on assets | 0.5840% | 4,915 |
| Return on Equity (ROE) | 3.3350% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.3350% | 3,899 |
| Net charge-offs to loans | 0.1820% | 1,284 |
| Credit loss provision to net charge-offs | -52.2113% | 4,685 |
| Earnings coverage of net charge-offs (x) | 3.2457% | 3,450 |
| Efficiency ratio | 93.8674% | 397 |
| Assets per employee ($millions) | 2.5053% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,759 |
| Loan loss allowance to noncurrent loans | 35.6829% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 3.8609% | 226 |
| Noncurrent loans to loans | 2.6029% | 653 |
| Net loans and leases to total assets | 84.7658% | 344 |
| Net loans and leases to deposits | 119.2035% | 118 |
| Net loans and leases to core deposits | 141.6958% | 177 |
| Total domestic deposits to total assets | 71.1102% | 5,637 |
| Equity capital to assets | 11.1372% | 2,877 |
| Core capital (leverage) ratio | 11.0078% | 2,442 |
| Tier 1 risk-based capital ratio | 11.6887% | 4,985 |
| Total risk-based capital ratio | 12.5788% | 5,092 |
| Memoranda: | ||
| Average total assets | $700,176,500 | 1,026 |
| Average earning assets | $627,924,250 | 1,034 |
| Average equity | $81,956,750 | 973 |
| Average total loans | $596,171,750 | 837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 638 |
| Cost of funding earning assets | 0.5386% | 1,786 |
| Net interest margin | 4.4185% | 734 |
| Noninterest income to average assets | 4.3157% | 146 |
| Noninterest expense to average assets | 7.8384% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2898% | 5,352 |
| Return on assets (ROA) | 0.2898% | 5,433 |
| Pretax return on assets | 0.4308% | 5,281 |
| Return on Equity (ROE) | 2.4326% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.4326% | 4,338 |
| Net charge-offs to loans | 0.3248% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.5608% | 3,394 |
| Efficiency ratio | 94.7898% | 386 |
| Assets per employee ($millions) | 2.5298% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,765 |
| Loan loss allowance to noncurrent loans | 43.4028% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.4813% | 310 |
| Noncurrent loans to loans | 2.1829% | 864 |
| Net loans and leases to total assets | 84.9312% | 339 |
| Net loans and leases to deposits | 126.6167% | 60 |
| Net loans and leases to core deposits | 152.2344% | 109 |
| Total domestic deposits to total assets | 67.0774% | 5,863 |
| Equity capital to assets | 10.7263% | 3,367 |
| Core capital (leverage) ratio | 11.7552% | 1,808 |
| Tier 1 risk-based capital ratio | 11.3238% | 5,265 |
| Total risk-based capital ratio | 12.2705% | 5,333 |
| Memoranda: | ||
| Average total assets | $684,709,330 | 1,044 |
| Average earning assets | $612,653,670 | 1,065 |
| Average equity | $81,559,670 | 976 |
| Average total loans | $581,970,330 | 852 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1744% | 434 |
| Cost of funding earning assets | 0.5609% | 1,617 |
| Net interest margin | 4.6135% | 486 |
| Noninterest income to average assets | 3.7943% | 161 |
| Noninterest expense to average assets | 7.6197% | 119 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1951% | 5,533 |
| Return on assets (ROA) | 0.1951% | 5,592 |
| Pretax return on assets | 0.2833% | 5,540 |
| Return on Equity (ROE) | 1.5462% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.5462% | 4,651 |
| Net charge-offs to loans | 0.7525% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.4453% | 2,929 |
| Efficiency ratio | 96.4151% | 389 |
| Assets per employee ($millions) | 2.8820% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,681 |
| Loan loss allowance to noncurrent loans | 41.4007% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.3717% | 210 |
| Noncurrent loans to loans | 2.8164% | 611 |
| Net loans and leases to total assets | 82.9458% | 459 |
| Net loans and leases to deposits | 102.8987% | 469 |
| Net loans and leases to core deposits | 117.1337% | 561 |
| Total domestic deposits to total assets | 80.6092% | 4,605 |
| Equity capital to assets | 12.9663% | 1,426 |
| Core capital (leverage) ratio | 11.7191% | 1,813 |
| Tier 1 risk-based capital ratio | 12.2478% | 4,753 |
| Total risk-based capital ratio | 13.2737% | 4,815 |
| Memoranda: | ||
| Average total assets | $643,804,000 | 1,100 |
| Average earning assets | $573,364,000 | 1,134 |
| Average equity | $81,230,000 | 982 |
| Average total loans | $544,334,500 | 901 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 405 |
| Cost of funding earning assets | 0.4783% | 2,366 |
| Net interest margin | 4.7581% | 409 |
| Noninterest income to average assets | 4.1225% | 153 |
| Noninterest expense to average assets | 8.4386% | 98 |
| Loan and lease loss provision to assets | -0.2940% | 6,055 |
| Net operating income to assets | 0.1465% | 5,684 |
| Return on assets (ROA) | 0.1491% | 5,729 |
| Pretax return on assets | 0.2115% | 5,671 |
| Return on Equity (ROE) | 1.2064% | 5,736 |
| Retained earnings to average equity (ytd only) | -14.4232% | 6,085 |
| Net charge-offs to loans | 0.5095% | 508 |
| Credit loss provision to net charge-offs | -68.2951% | 5,088 |
| Earnings coverage of net charge-offs (x) | -0.2001% | 4,284 |
| Efficiency ratio | 101.0312% | 262 |
| Assets per employee ($millions) | 1.8315% | 6,075 |
| Cash dividends to net income (ytd only)* | 1,295.5854% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 3,024 |
| Loan loss allowance to noncurrent loans | 41.0391% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 4.3369% | 229 |
| Noncurrent loans to loans | 3.1129% | 501 |
| Net loans and leases to total assets | 84.0579% | 385 |
| Net loans and leases to deposits | 109.7622% | 246 |
| Net loans and leases to core deposits | 125.0207% | 354 |
| Total domestic deposits to total assets | 76.5818% | 5,379 |
| Equity capital to assets | 12.2845% | 1,755 |
| Core capital (leverage) ratio | 11.5081% | 1,954 |
| Tier 1 risk-based capital ratio | 11.4743% | 5,270 |
| Total risk-based capital ratio | 12.6176% | 5,227 |
| Memoranda: | ||
| Average total assets | $698,922,200 | 994 |
| Average earning assets | $621,344,200 | 1,014 |
| Average equity | $86,374,600 | 883 |
| Average total loans | $590,534,800 | 789 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 225 |
| Cost of funding earning assets | 0.4628% | 2,554 |
| Net interest margin | 5.1483% | 194 |
| Noninterest income to average assets | 4.0801% | 155 |
| Noninterest expense to average assets | 8.3109% | 104 |
| Loan and lease loss provision to assets | -0.1044% | 6,004 |
| Net operating income to assets | 0.3002% | 5,450 |
| Return on assets (ROA) | 0.3002% | 5,531 |
| Pretax return on assets | 0.4460% | 5,360 |
| Return on Equity (ROE) | 2.4259% | 5,570 |
| Retained earnings to average equity (ytd only) | -18.0937% | 6,189 |
| Net charge-offs to loans | 0.7300% | 286 |
| Credit loss provision to net charge-offs | -16.9569% | 4,878 |
| Earnings coverage of net charge-offs (x) | 0.5548% | 3,936 |
| Efficiency ratio | 96.0521% | 416 |
| Assets per employee ($millions) | 1.9178% | 6,151 |
| Cash dividends to net income (ytd only)* | 845.8634% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,670 |
| Loan loss allowance to noncurrent loans | 48.0649% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 4.2158% | 270 |
| Noncurrent loans to loans | 2.8847% | 632 |
| Net loans and leases to total assets | 84.0475% | 382 |
| Net loans and leases to deposits | 117.3700% | 132 |
| Net loans and leases to core deposits | 133.6984% | 227 |
| Total domestic deposits to total assets | 71.6090% | 5,890 |
| Equity capital to assets | 11.4803% | 2,526 |
| Core capital (leverage) ratio | 10.9284% | 2,568 |
| Tier 1 risk-based capital ratio | 11.3493% | 5,461 |
| Total risk-based capital ratio | 12.6292% | 5,351 |
| Memoranda: | ||
| Average total assets | $708,817,500 | 984 |
| Average earning assets | $629,521,250 | 1,011 |
| Average equity | $87,719,000 | 875 |
| Average total loans | $597,818,500 | 786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8711% | 154 |
| Cost of funding earning assets | 0.4473% | 2,760 |
| Net interest margin | 5.4238% | 135 |
| Noninterest income to average assets | 3.9697% | 160 |
| Noninterest expense to average assets | 8.3778% | 105 |
| Loan and lease loss provision to assets | -0.1568% | 6,144 |
| Net operating income to assets | 0.3876% | 5,173 |
| Return on assets (ROA) | 0.3876% | 5,283 |
| Pretax return on assets | 0.5715% | 5,044 |
| Return on Equity (ROE) | 3.0580% | 5,380 |
| Retained earnings to average equity (ytd only) | -27.0319% | 6,293 |
| Net charge-offs to loans | 0.5049% | 489 |
| Credit loss provision to net charge-offs | -36.9507% | 4,778 |
| Earnings coverage of net charge-offs (x) | 0.9774% | 3,593 |
| Efficiency ratio | 95.2831% | 469 |
| Assets per employee ($millions) | 1.8209% | 6,234 |
| Cash dividends to net income (ytd only)* | 983.9650% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,840 |
| Loan loss allowance to noncurrent loans | 53.7775% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 4.3483% | 281 |
| Noncurrent loans to loans | 3.0156% | 656 |
| Net loans and leases to total assets | 84.5673% | 332 |
| Net loans and leases to deposits | 118.4146% | 113 |
| Net loans and leases to core deposits | 134.3463% | 217 |
| Total domestic deposits to total assets | 71.4163% | 5,965 |
| Equity capital to assets | 11.1486% | 2,721 |
| Core capital (leverage) ratio | 10.6561% | 2,781 |
| Tier 1 risk-based capital ratio | 10.3923% | 5,958 |
| Total risk-based capital ratio | 11.6916% | 5,884 |
| Memoranda: | ||
| Average total assets | $707,920,670 | 987 |
| Average earning assets | $629,486,670 | 1,017 |
| Average equity | $89,731,000 | 858 |
| Average total loans | $594,953,670 | 791 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7567% | 176 |
| Cost of funding earning assets | 0.4312% | 2,966 |
| Net interest margin | 5.3255% | 150 |
| Noninterest income to average assets | 3.9179% | 161 |
| Noninterest expense to average assets | 8.4926% | 108 |
| Loan and lease loss provision to assets | -0.3186% | 6,312 |
| Net operating income to assets | 0.3037% | 5,400 |
| Return on assets (ROA) | 0.3037% | 5,502 |
| Pretax return on assets | 0.4656% | 5,273 |
| Return on Equity (ROE) | 2.2536% | 5,623 |
| Retained earnings to average equity (ytd only) | 2.2536% | 4,555 |
| Net charge-offs to loans | 0.4466% | 556 |
| Credit loss provision to net charge-offs | -85.9133% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.3963% | 3,061 |
| Efficiency ratio | 98.2990% | 423 |
| Assets per employee ($millions) | 1.8661% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 1,478 |
| Loan loss allowance to noncurrent loans | 141.3837% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 2.8748% | 680 |
| Noncurrent loans to loans | 1.2813% | 2,238 |
| Net loans and leases to total assets | 82.3906% | 420 |
| Net loans and leases to deposits | 114.6372% | 152 |
| Net loans and leases to core deposits | 130.2089% | 246 |
| Total domestic deposits to total assets | 71.8707% | 6,041 |
| Equity capital to assets | 12.9779% | 1,416 |
| Core capital (leverage) ratio | 13.8387% | 873 |
| Tier 1 risk-based capital ratio | 13.5233% | 4,312 |
| Total risk-based capital ratio | 14.8252% | 4,204 |
| Memoranda: | ||
| Average total assets | $696,798,500 | 998 |
| Average earning assets | $617,786,500 | 1,037 |
| Average equity | $93,895,000 | 822 |
| Average total loans | $578,600,500 | 808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 344 |
| Cost of funding earning assets | 0.5129% | 2,547 |
| Net interest margin | 4.9443% | 330 |
| Noninterest income to average assets | 7.3391% | 89 |
| Noninterest expense to average assets | 10.0460% | 78 |
| Loan and lease loss provision to assets | -0.2048% | 6,297 |
| Net operating income to assets | 1.2533% | 1,422 |
| Return on assets (ROA) | 1.2671% | 1,437 |
| Pretax return on assets | 1.8135% | 773 |
| Return on Equity (ROE) | 10.4815% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.4815% | 445 |
| Net charge-offs to loans | 0.3236% | 1,364 |
| Credit loss provision to net charge-offs | -82.7793% | 5,486 |
| Earnings coverage of net charge-offs (x) | 6.4218% | 3,206 |
| Efficiency ratio | 83.8643% | 1,425 |
| Assets per employee ($millions) | 1.2074% | 6,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 788 |
| Loan loss allowance to noncurrent loans | 118.9116% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 3.6068% | 505 |
| Noncurrent loans to loans | 1.8775% | 1,504 |
| Net loans and leases to total assets | 80.2544% | 712 |
| Net loans and leases to deposits | 104.3316% | 423 |
| Net loans and leases to core deposits | 119.1404% | 431 |
| Total domestic deposits to total assets | 76.9224% | 5,610 |
| Equity capital to assets | 14.0159% | 949 |
| Core capital (leverage) ratio | 13.0704% | 1,110 |
| Tier 1 risk-based capital ratio | 16.0820% | 2,922 |
| Total risk-based capital ratio | 17.4053% | 2,830 |
| Memoranda: | ||
| Average total assets | $741,615,400 | 909 |
| Average earning assets | $644,358,400 | 953 |
| Average equity | $89,652,800 | 818 |
| Average total loans | $567,054,200 | 784 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 446 |
| Cost of funding earning assets | 0.5295% | 2,471 |
| Net interest margin | 4.7616% | 456 |
| Noninterest income to average assets | 8.0451% | 79 |
| Noninterest expense to average assets | 9.8981% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5794% | 787 |
| Return on assets (ROA) | 1.5794% | 814 |
| Pretax return on assets | 2.2721% | 314 |
| Return on Equity (ROE) | 13.5389% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.5389% | 279 |
| Net charge-offs to loans | -0.0023% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2476% | 2,151 |
| Assets per employee ($millions) | 1.1961% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0862% | 327 |
| Loan loss allowance to noncurrent loans | 144.8737% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 4.3547% | 431 |
| Noncurrent loans to loans | 2.1303% | 1,457 |
| Net loans and leases to total assets | 78.1615% | 940 |
| Net loans and leases to deposits | 95.4331% | 925 |
| Net loans and leases to core deposits | 109.6390% | 759 |
| Total domestic deposits to total assets | 81.9019% | 4,511 |
| Equity capital to assets | 14.8746% | 759 |
| Core capital (leverage) ratio | 12.4050% | 1,457 |
| Tier 1 risk-based capital ratio | 16.6483% | 2,749 |
| Total risk-based capital ratio | 17.9838% | 2,666 |
| Memoranda: | ||
| Average total assets | $760,100,000 | 897 |
| Average earning assets | $658,497,000 | 942 |
| Average equity | $88,670,750 | 833 |
| Average total loans | $571,798,750 | 771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 906 |
| Cost of funding earning assets | 0.5092% | 2,737 |
| Net interest margin | 4.3949% | 856 |
| Noninterest income to average assets | 8.4022% | 77 |
| Noninterest expense to average assets | 9.0115% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2380% | 215 |
| Return on assets (ROA) | 2.2380% | 224 |
| Pretax return on assets | 3.1951% | 101 |
| Return on Equity (ROE) | 20.6605% | 258 |
| Retained earnings to average equity (ytd only) | 20.6605% | 75 |
| Net charge-offs to loans | -0.0475% | 5,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4137% | 3,264 |
| Assets per employee ($millions) | 1.4088% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5457% | 673 |
| Loan loss allowance to noncurrent loans | 123.5937% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 3.9832% | 535 |
| Noncurrent loans to loans | 2.0597% | 1,630 |
| Net loans and leases to total assets | 80.6514% | 607 |
| Net loans and leases to deposits | 115.9984% | 119 |
| Net loans and leases to core deposits | 132.0092% | 213 |
| Total domestic deposits to total assets | 69.5281% | 6,369 |
| Equity capital to assets | 12.4859% | 1,655 |
| Core capital (leverage) ratio | 10.6743% | 2,749 |
| Tier 1 risk-based capital ratio | 13.6146% | 4,513 |
| Total risk-based capital ratio | 14.9591% | 4,394 |
| Memoranda: | ||
| Average total assets | $804,549,330 | 847 |
| Average earning assets | $696,439,330 | 885 |
| Average equity | $87,152,000 | 838 |
| Average total loans | $593,905,330 | 731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8873% | 169 |
| Cost of funding earning assets | 0.4803% | 3,103 |
| Net interest margin | 5.4070% | 143 |
| Noninterest income to average assets | 2.7024% | 214 |
| Noninterest expense to average assets | 7.2803% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0787% | 6,072 |
| Return on assets (ROA) | 0.0787% | 6,096 |
| Pretax return on assets | 0.0787% | 6,108 |
| Return on Equity (ROE) | 0.7799% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.7799% | 5,278 |
| Net charge-offs to loans | -0.0323% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9305% | 503 |
| Assets per employee ($millions) | 1.5669% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8227% | 525 |
| Loan loss allowance to noncurrent loans | 137.4560% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 3.3688% | 780 |
| Noncurrent loans to loans | 2.0535% | 1,806 |
| Net loans and leases to total assets | 62.8118% | 3,103 |
| Net loans and leases to deposits | 73.8895% | 3,076 |
| Net loans and leases to core deposits | 82.4289% | 2,694 |
| Total domestic deposits to total assets | 85.0077% | 3,865 |
| Equity capital to assets | 9.8329% | 4,060 |
| Core capital (leverage) ratio | 8.4190% | 5,728 |
| Tier 1 risk-based capital ratio | 10.8207% | 6,233 |
| Total risk-based capital ratio | 12.2167% | 6,119 |
| Memoranda: | ||
| Average total assets | $833,483,500 | 818 |
| Average earning assets | $717,812,000 | 864 |
| Average equity | $84,113,000 | 874 |
| Average total loans | $581,888,000 | 750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 757 |
| Cost of funding earning assets | 0.6221% | 2,466 |
| Net interest margin | 4.4828% | 762 |
| Noninterest income to average assets | 4.0082% | 166 |
| Noninterest expense to average assets | 7.5217% | 126 |
| Loan and lease loss provision to assets | 0.0817% | 3,478 |
| Net operating income to assets | 0.2423% | 5,710 |
| Return on assets (ROA) | 0.2434% | 5,775 |
| Pretax return on assets | 0.2434% | 5,860 |
| Return on Equity (ROE) | 2.6048% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.6048% | 4,399 |
| Net charge-offs to loans | 1.6036% | 285 |
| Credit loss provision to net charge-offs | 6.6636% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.2643% | 4,998 |
| Efficiency ratio | 95.8701% | 649 |
| Assets per employee ($millions) | 1.7958% | 6,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 771 |
| Loan loss allowance to noncurrent loans | 91.7653% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 4.2593% | 604 |
| Noncurrent loans to loans | 2.7860% | 1,276 |
| Net loans and leases to total assets | 73.3683% | 1,459 |
| Net loans and leases to deposits | 87.1020% | 1,561 |
| Net loans and leases to core deposits | 104.7116% | 871 |
| Total domestic deposits to total assets | 84.2326% | 4,081 |
| Equity capital to assets | 10.3656% | 3,326 |
| Core capital (leverage) ratio | 8.1605% | 6,008 |
| Tier 1 risk-based capital ratio | 10.7216% | 6,294 |
| Total risk-based capital ratio | 12.1169% | 6,181 |
| Memoranda: | ||
| Average total assets | $877,730,200 | 750 |
| Average earning assets | $751,385,800 | 806 |
| Average equity | $82,001,400 | 868 |
| Average total loans | $670,974,600 | 625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 972 |
| Cost of funding earning assets | 0.6492% | 2,365 |
| Net interest margin | 4.3345% | 1,022 |
| Noninterest income to average assets | 4.6859% | 149 |
| Noninterest expense to average assets | 7.8320% | 122 |
| Loan and lease loss provision to assets | 0.3548% | 896 |
| Net operating income to assets | 0.2077% | 5,895 |
| Return on assets (ROA) | 0.2091% | 5,974 |
| Pretax return on assets | 0.2091% | 6,024 |
| Return on Equity (ROE) | 2.2948% | 5,854 |
| Retained earnings to average equity (ytd only) | 2.2948% | 4,954 |
| Net charge-offs to loans | 1.2172% | 447 |
| Credit loss provision to net charge-offs | 38.0048% | 3,751 |
| Earnings coverage of net charge-offs (x) | 0.6026% | 4,657 |
| Efficiency ratio | 93.2984% | 774 |
| Assets per employee ($millions) | 1.6835% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3884% | 378 |
| Loan loss allowance to noncurrent loans | 66.6861% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 6.6773% | 317 |
| Noncurrent loans to loans | 5.0812% | 582 |
| Net loans and leases to total assets | 77.0600% | 864 |
| Net loans and leases to deposits | 92.5342% | 943 |
| Net loans and leases to core deposits | 113.2189% | 471 |
| Total domestic deposits to total assets | 83.2773% | 4,471 |
| Equity capital to assets | 10.3488% | 3,451 |
| Core capital (leverage) ratio | 8.0172% | 6,209 |
| Tier 1 risk-based capital ratio | 11.3534% | 6,124 |
| Total risk-based capital ratio | 12.7738% | 6,013 |
| Memoranda: | ||
| Average total assets | $894,688,000 | 744 |
| Average earning assets | $765,494,000 | 790 |
| Average equity | $81,514,000 | 881 |
| Average total loans | $686,268,500 | 613 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,506 |
| Cost of funding earning assets | 0.6721% | 2,293 |
| Net interest margin | 4.0516% | 1,690 |
| Noninterest income to average assets | 4.4182% | 168 |
| Noninterest expense to average assets | 8.0041% | 121 |
| Loan and lease loss provision to assets | 0.4624% | 619 |
| Net operating income to assets | -0.5669% | 6,659 |
| Return on assets (ROA) | -0.5650% | 6,669 |
| Pretax return on assets | -0.5650% | 6,654 |
| Return on Equity (ROE) | -6.4553% | 6,672 |
| Retained earnings to average equity (ytd only) | -6.4553% | 6,541 |
| Net charge-offs to loans | 1.5462% | 335 |
| Credit loss provision to net charge-offs | 39.4465% | 3,429 |
| Earnings coverage of net charge-offs (x) | -0.0891% | 4,580 |
| Efficiency ratio | 101.3225% | 444 |
| Assets per employee ($millions) | 1.6684% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3587% | 416 |
| Loan loss allowance to noncurrent loans | 60.7744% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 6.6719% | 356 |
| Noncurrent loans to loans | 5.5265% | 553 |
| Net loans and leases to total assets | 74.5581% | 1,167 |
| Net loans and leases to deposits | 88.2278% | 1,313 |
| Net loans and leases to core deposits | 108.5370% | 625 |
| Total domestic deposits to total assets | 84.5064% | 4,125 |
| Equity capital to assets | 9.2100% | 4,978 |
| Core capital (leverage) ratio | 7.0194% | 6,609 |
| Tier 1 risk-based capital ratio | 10.3994% | 6,537 |
| Total risk-based capital ratio | 11.9020% | 6,436 |
| Memoranda: | ||
| Average total assets | $924,681,330 | 720 |
| Average earning assets | $794,550,330 | 766 |
| Average equity | $80,926,000 | 896 |
| Average total loans | $701,072,330 | 596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 1,119 |
| Cost of funding earning assets | 0.6754% | 2,433 |
| Net interest margin | 4.2112% | 1,164 |
| Noninterest income to average assets | 3.8835% | 191 |
| Noninterest expense to average assets | 7.3878% | 135 |
| Loan and lease loss provision to assets | 0.8781% | 231 |
| Net operating income to assets | -0.7550% | 6,754 |
| Return on assets (ROA) | -0.7550% | 6,770 |
| Pretax return on assets | -0.7550% | 6,747 |
| Return on Equity (ROE) | -8.8358% | 6,780 |
| Retained earnings to average equity (ytd only) | -8.8358% | 6,569 |
| Net charge-offs to loans | 2.1144% | 214 |
| Credit loss provision to net charge-offs | 55.2105% | 2,522 |
| Earnings coverage of net charge-offs (x) | 0.0774% | 3,796 |
| Efficiency ratio | 98.3618% | 621 |
| Assets per employee ($millions) | 1.8943% | 6,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8297% | 326 |
| Loan loss allowance to noncurrent loans | 86.8387% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 5.4026% | 641 |
| Noncurrent loans to loans | 4.4102% | 961 |
| Net loans and leases to total assets | 65.0072% | 2,538 |
| Net loans and leases to deposits | 77.1879% | 2,466 |
| Net loans and leases to core deposits | 94.1818% | 1,336 |
| Total domestic deposits to total assets | 84.2193% | 4,384 |
| Equity capital to assets | 8.7327% | 5,782 |
| Core capital (leverage) ratio | 6.8555% | 6,682 |
| Tier 1 risk-based capital ratio | 10.2403% | 6,651 |
| Total risk-based capital ratio | 11.7343% | 6,566 |
| Memoranda: | ||
| Average total assets | $955,741,000 | 697 |
| Average earning assets | $823,225,500 | 736 |
| Average equity | $81,668,000 | 892 |
| Average total loans | $718,878,000 | 586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5934% | 518 |
| Cost of funding earning assets | 0.9893% | 1,416 |
| Net interest margin | 4.6041% | 776 |
| Noninterest income to average assets | 3.4426% | 213 |
| Noninterest expense to average assets | 7.6478% | 122 |
| Loan and lease loss provision to assets | 2.2166% | 76 |
| Net operating income to assets | -2.0150% | 6,928 |
| Return on assets (ROA) | -1.9821% | 6,931 |
| Pretax return on assets | -2.4153% | 6,969 |
| Return on Equity (ROE) | -22.9593% | 6,911 |
| Retained earnings to average equity (ytd only) | -22.9593% | 6,882 |
| Net charge-offs to loans | 2.7533% | 202 |
| Credit loss provision to net charge-offs | 97.9400% | 3,169 |
| Earnings coverage of net charge-offs (x) | -0.1051% | 5,541 |
| Efficiency ratio | 103.2107% | 457 |
| Assets per employee ($millions) | 2.0957% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1534% | 579 |
| Loan loss allowance to noncurrent loans | 49.8289% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 7.6607% | 386 |
| Noncurrent loans to loans | 6.3284% | 542 |
| Net loans and leases to total assets | 79.7573% | 496 |
| Net loans and leases to deposits | 96.5820% | 587 |
| Net loans and leases to core deposits | 119.3357% | 295 |
| Total domestic deposits to total assets | 82.5799% | 4,899 |
| Equity capital to assets | 8.3692% | 6,147 |
| Core capital (leverage) ratio | 6.9607% | 6,714 |
| Tier 1 risk-based capital ratio | 9.5574% | 6,793 |
| Total risk-based capital ratio | 11.0295% | 6,726 |
| Memoranda: | ||
| Average total assets | $1,104,638,600 | 597 |
| Average earning assets | $951,856,400 | 627 |
| Average equity | $95,364,400 | 740 |
| Average total loans | $907,999,600 | 452 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5608% | 598 |
| Cost of funding earning assets | 0.9127% | 2,088 |
| Net interest margin | 4.6481% | 748 |
| Noninterest income to average assets | 3.1202% | 237 |
| Noninterest expense to average assets | 7.3594% | 127 |
| Loan and lease loss provision to assets | 2.1747% | 93 |
| Net operating income to assets | -1.8352% | 7,020 |
| Return on assets (ROA) | -1.7952% | 7,025 |
| Pretax return on assets | -2.3578% | 7,065 |
| Return on Equity (ROE) | -20.6570% | 6,998 |
| Retained earnings to average equity (ytd only) | -20.6570% | 6,982 |
| Net charge-offs to loans | 2.9906% | 186 |
| Credit loss provision to net charge-offs | 88.5024% | 3,345 |
| Earnings coverage of net charge-offs (x) | -0.0952% | 5,374 |
| Efficiency ratio | 103.2836% | 436 |
| Assets per employee ($millions) | 2.0920% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9435% | 766 |
| Loan loss allowance to noncurrent loans | 56.2425% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 6.8053% | 534 |
| Noncurrent loans to loans | 5.2337% | 840 |
| Net loans and leases to total assets | 80.6577% | 456 |
| Net loans and leases to deposits | 100.0169% | 433 |
| Net loans and leases to core deposits | 126.1990% | 226 |
| Total domestic deposits to total assets | 80.6441% | 5,470 |
| Equity capital to assets | 9.2062% | 5,589 |
| Core capital (leverage) ratio | 7.4079% | 6,663 |
| Tier 1 risk-based capital ratio | 10.4214% | 6,692 |
| Total risk-based capital ratio | 11.8793% | 6,611 |
| Memoranda: | ||
| Average total assets | $1,134,035,000 | 582 |
| Average earning assets | $977,180,250 | 606 |
| Average equity | $98,553,500 | 723 |
| Average total loans | $931,779,500 | 443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3876% | 889 |
| Cost of funding earning assets | 0.9562% | 2,025 |
| Net interest margin | 4.4314% | 1,125 |
| Noninterest income to average assets | 2.8751% | 258 |
| Noninterest expense to average assets | 6.7600% | 152 |
| Loan and lease loss provision to assets | 2.1525% | 121 |
| Net operating income to assets | -1.3678% | 6,992 |
| Return on assets (ROA) | -1.3185% | 7,001 |
| Pretax return on assets | -2.1237% | 7,082 |
| Return on Equity (ROE) | -15.4207% | 6,978 |
| Retained earnings to average equity (ytd only) | -15.4207% | 6,942 |
| Net charge-offs to loans | 2.1326% | 367 |
| Credit loss provision to net charge-offs | 123.2274% | 2,223 |
| Earnings coverage of net charge-offs (x) | -0.0252% | 5,098 |
| Efficiency ratio | 100.6565% | 536 |
| Assets per employee ($millions) | 2.2795% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1735% | 665 |
| Loan loss allowance to noncurrent loans | 59.2535% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 6.8283% | 584 |
| Noncurrent loans to loans | 5.3557% | 883 |
| Net loans and leases to total assets | 81.6801% | 355 |
| Net loans and leases to deposits | 99.1486% | 462 |
| Net loans and leases to core deposits | 137.0861% | 164 |
| Total domestic deposits to total assets | 82.3815% | 4,989 |
| Equity capital to assets | 9.0738% | 5,613 |
| Core capital (leverage) ratio | 7.4463% | 6,645 |
| Tier 1 risk-based capital ratio | 10.5912% | 6,666 |
| Total risk-based capital ratio | 12.1845% | 6,508 |
| Memoranda: | ||
| Average total assets | $1,188,483,330 | 560 |
| Average earning assets | $1,030,108,000 | 574 |
| Average equity | $101,616,670 | 701 |
| Average total loans | $973,479,000 | 432 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 1,506 |
| Cost of funding earning assets | 1.0337% | 1,781 |
| Net interest margin | 4.0921% | 2,123 |
| Noninterest income to average assets | 2.4279% | 310 |
| Noninterest expense to average assets | 5.8755% | 216 |
| Loan and lease loss provision to assets | 1.5897% | 215 |
| Net operating income to assets | -0.5228% | 6,839 |
| Return on assets (ROA) | -0.4470% | 6,829 |
| Pretax return on assets | -1.3460% | 7,055 |
| Return on Equity (ROE) | -5.3680% | 6,863 |
| Retained earnings to average equity (ytd only) | -5.3680% | 6,604 |
| Net charge-offs to loans | 1.4127% | 710 |
| Credit loss provision to net charge-offs | 139.1536% | 1,765 |
| Earnings coverage of net charge-offs (x) | 0.1096% | 4,313 |
| Efficiency ratio | 97.9138% | 637 |
| Assets per employee ($millions) | 2.7360% | 6,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 957 |
| Loan loss allowance to noncurrent loans | 43.8719% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 7.5477% | 535 |
| Noncurrent loans to loans | 6.4978% | 735 |
| Net loans and leases to total assets | 74.9128% | 932 |
| Net loans and leases to deposits | 90.7535% | 895 |
| Net loans and leases to core deposits | 132.2279% | 185 |
| Total domestic deposits to total assets | 82.5453% | 5,105 |
| Equity capital to assets | 8.2313% | 6,333 |
| Core capital (leverage) ratio | 7.5033% | 6,629 |
| Tier 1 risk-based capital ratio | 10.9539% | 6,557 |
| Total risk-based capital ratio | 12.5151% | 6,386 |
| Memoranda: | ||
| Average total assets | $1,249,318,500 | 533 |
| Average earning assets | $1,090,794,500 | 552 |
| Average equity | $104,024,500 | 676 |
| Average total loans | $1,010,252,000 | 416 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 721 |
| Cost of funding earning assets | 1.1143% | 2,578 |
| Net interest margin | 4.6236% | 876 |
| Noninterest income to average assets | 1.8987% | 407 |
| Noninterest expense to average assets | 5.1583% | 346 |
| Loan and lease loss provision to assets | 1.5453% | 471 |
| Net operating income to assets | -0.5199% | 6,504 |
| Return on assets (ROA) | -0.5118% | 6,541 |
| Pretax return on assets | -0.7050% | 6,603 |
| Return on Equity (ROE) | -5.9843% | 6,580 |
| Retained earnings to average equity (ytd only) | -5.9843% | 6,506 |
| Net charge-offs to loans | 1.4456% | 1,124 |
| Credit loss provision to net charge-offs | 130.6093% | 2,338 |
| Earnings coverage of net charge-offs (x) | 0.7009% | 5,284 |
| Efficiency ratio | 86.1495% | 1,548 |
| Assets per employee ($millions) | 2.7557% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4802% | 1,345 |
| Loan loss allowance to noncurrent loans | 41.5641% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 7.7213% | 547 |
| Noncurrent loans to loans | 5.9673% | 839 |
| Net loans and leases to total assets | 82.5408% | 305 |
| Net loans and leases to deposits | 101.2425% | 406 |
| Net loans and leases to core deposits | 146.6627% | 143 |
| Total domestic deposits to total assets | 81.5279% | 5,285 |
| Equity capital to assets | 8.4222% | 6,231 |
| Core capital (leverage) ratio | 7.7599% | 6,484 |
| Tier 1 risk-based capital ratio | 10.6942% | 6,608 |
| Total risk-based capital ratio | 12.2324% | 6,447 |
| Memoranda: | ||
| Average total assets | $1,284,559,400 | 509 |
| Average earning assets | $1,136,007,000 | 519 |
| Average equity | $109,854,200 | 631 |
| Average total loans | $1,051,347,200 | 402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8155% | 681 |
| Cost of funding earning assets | 1.1362% | 2,722 |
| Net interest margin | 4.6793% | 799 |
| Noninterest income to average assets | 1.7267% | 468 |
| Noninterest expense to average assets | 4.9757% | 380 |
| Loan and lease loss provision to assets | 1.4181% | 507 |
| Net operating income to assets | -0.3007% | 6,494 |
| Return on assets (ROA) | -0.2892% | 6,540 |
| Pretax return on assets | -0.5127% | 6,629 |
| Return on Equity (ROE) | -3.3689% | 6,588 |
| Retained earnings to average equity (ytd only) | -3.3689% | 6,459 |
| Net charge-offs to loans | 1.7240% | 800 |
| Credit loss provision to net charge-offs | 101.3324% | 3,310 |
| Earnings coverage of net charge-offs (x) | 0.6351% | 5,153 |
| Efficiency ratio | 84.8445% | 1,648 |
| Assets per employee ($millions) | 2.7443% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 2,227 |
| Loan loss allowance to noncurrent loans | 41.1938% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 6.7712% | 747 |
| Noncurrent loans to loans | 4.9556% | 1,262 |
| Net loans and leases to total assets | 82.2212% | 336 |
| Net loans and leases to deposits | 101.4603% | 413 |
| Net loans and leases to core deposits | 146.7639% | 146 |
| Total domestic deposits to total assets | 81.0378% | 5,420 |
| Equity capital to assets | 8.6033% | 6,200 |
| Core capital (leverage) ratio | 8.1369% | 6,233 |
| Tier 1 risk-based capital ratio | 10.8147% | 6,653 |
| Total risk-based capital ratio | 12.3340% | 6,475 |
| Memoranda: | ||
| Average total assets | $1,294,306,750 | 510 |
| Average earning assets | $1,144,520,750 | 522 |
| Average equity | $111,091,500 | 626 |
| Average total loans | $1,050,621,000 | 406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 720 |
| Cost of funding earning assets | 1.1560% | 2,865 |
| Net interest margin | 4.6417% | 837 |
| Noninterest income to average assets | 1.9545% | 372 |
| Noninterest expense to average assets | 5.1534% | 327 |
| Loan and lease loss provision to assets | 1.1144% | 725 |
| Net operating income to assets | -0.0379% | 6,282 |
| Return on assets (ROA) | -0.0218% | 6,325 |
| Pretax return on assets | -0.1761% | 6,434 |
| Return on Equity (ROE) | -0.2539% | 6,329 |
| Retained earnings to average equity (ytd only) | -0.2539% | 5,892 |
| Net charge-offs to loans | 1.7290% | 824 |
| Credit loss provision to net charge-offs | 80.2873% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.6590% | 4,803 |
| Efficiency ratio | 84.9261% | 1,711 |
| Assets per employee ($millions) | 2.7405% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 2,546 |
| Loan loss allowance to noncurrent loans | 132.0206% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 3.7319% | 1,742 |
| Noncurrent loans to loans | 1.4676% | 4,222 |
| Net loans and leases to total assets | 78.9681% | 651 |
| Net loans and leases to deposits | 96.2617% | 704 |
| Net loans and leases to core deposits | 143.1901% | 169 |
| Total domestic deposits to total assets | 82.0348% | 5,151 |
| Equity capital to assets | 8.7926% | 5,822 |
| Core capital (leverage) ratio | 8.2285% | 5,983 |
| Tier 1 risk-based capital ratio | 10.8072% | 6,655 |
| Total risk-based capital ratio | 12.4202% | 6,399 |
| Memoranda: | ||
| Average total assets | $1,304,040,000 | 510 |
| Average earning assets | $1,155,660,000 | 518 |
| Average equity | $111,841,670 | 623 |
| Average total loans | $1,046,873,670 | 416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 1,001 |
| Cost of funding earning assets | 1.1794% | 2,949 |
| Net interest margin | 4.4549% | 1,164 |
| Noninterest income to average assets | 1.3718% | 686 |
| Noninterest expense to average assets | 4.0934% | 926 |
| Loan and lease loss provision to assets | 0.0906% | 4,881 |
| Net operating income to assets | 0.8387% | 2,835 |
| Return on assets (ROA) | 0.8418% | 2,872 |
| Pretax return on assets | 1.1619% | 2,506 |
| Return on Equity (ROE) | 9.9340% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.9340% | 1,132 |
| Net charge-offs to loans | 2.7422% | 396 |
| Credit loss provision to net charge-offs | 4.1220% | 4,436 |
| Earnings coverage of net charge-offs (x) | 0.5684% | 4,194 |
| Efficiency ratio | 76.6139% | 3,048 |
| Assets per employee ($millions) | 2.9054% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 4,455 |
| Loan loss allowance to noncurrent loans | 74.5890% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7658% | 2,497 |
| Noncurrent loans to loans | 1.9388% | 3,650 |
| Net loans and leases to total assets | 75.0080% | 1,177 |
| Net loans and leases to deposits | 91.4654% | 1,067 |
| Net loans and leases to core deposits | 144.1339% | 175 |
| Total domestic deposits to total assets | 82.0069% | 5,315 |
| Equity capital to assets | 8.6097% | 5,764 |
| Core capital (leverage) ratio | 8.3315% | 5,746 |
| Tier 1 risk-based capital ratio | 10.9781% | 6,524 |
| Total risk-based capital ratio | 12.5769% | 6,216 |
| Memoranda: | ||
| Average total assets | $1,324,374,000 | 511 |
| Average earning assets | $1,180,553,500 | 515 |
| Average equity | $112,221,000 | 611 |
| Average total loans | $1,061,624,000 | 412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 1,109 |
| Cost of funding earning assets | 1.3462% | 3,599 |
| Net interest margin | 4.5217% | 1,179 |
| Noninterest income to average assets | 1.6957% | 514 |
| Noninterest expense to average assets | 4.8914% | 460 |
| Loan and lease loss provision to assets | 1.9126% | 707 |
| Net operating income to assets | -0.7942% | 6,573 |
| Return on assets (ROA) | -0.7356% | 6,574 |
| Pretax return on assets | -1.0009% | 6,639 |
| Return on Equity (ROE) | -8.6232% | 6,654 |
| Retained earnings to average equity (ytd only) | -10.7792% | 6,701 |
| Net charge-offs to loans | 1.8783% | 1,097 |
| Credit loss provision to net charge-offs | 123.7624% | 3,341 |
| Earnings coverage of net charge-offs (x) | 0.5392% | 5,570 |
| Efficiency ratio | 85.4446% | 1,754 |
| Assets per employee ($millions) | 2.8782% | 6,384 |
| Cash dividends to net income (ytd only)* | -25.0025% | 7,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 2,501 |
| Loan loss allowance to noncurrent loans | 187.1985% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 2.4832% | 2,785 |
| Noncurrent loans to loans | 1.0259% | 5,016 |
| Net loans and leases to total assets | 82.5631% | 409 |
| Net loans and leases to deposits | 100.5850% | 544 |
| Net loans and leases to core deposits | 159.5771% | 143 |
| Total domestic deposits to total assets | 82.0829% | 5,162 |
| Equity capital to assets | 8.3385% | 6,098 |
| Core capital (leverage) ratio | 7.4335% | 6,759 |
| Tier 1 risk-based capital ratio | 10.3048% | 6,823 |
| Total risk-based capital ratio | 11.8986% | 6,569 |
| Memoranda: | ||
| Average total assets | $1,359,381,000 | 498 |
| Average earning assets | $1,211,256,800 | 501 |
| Average equity | $115,954,600 | 585 |
| Average total loans | $1,118,444,200 | 400 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 1,418 |
| Cost of funding earning assets | 1.3399% | 3,975 |
| Net interest margin | 4.4542% | 1,361 |
| Noninterest income to average assets | 1.8096% | 449 |
| Noninterest expense to average assets | 4.4005% | 661 |
| Loan and lease loss provision to assets | 1.5608% | 846 |
| Net operating income to assets | -0.0569% | 6,112 |
| Return on assets (ROA) | 0.0099% | 6,108 |
| Pretax return on assets | -0.0816% | 6,205 |
| Return on Equity (ROE) | 0.1149% | 6,095 |
| Retained earnings to average equity (ytd only) | -2.7286% | 6,316 |
| Net charge-offs to loans | 1.9178% | 996 |
| Credit loss provision to net charge-offs | 99.4777% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.8771% | 5,169 |
| Efficiency ratio | 76.1779% | 2,914 |
| Assets per employee ($millions) | 3.3178% | 5,407 |
| Cash dividends to net income (ytd only)* | 2,475.3082% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 4,229 |
| Loan loss allowance to noncurrent loans | 53.1753% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 3.2446% | 2,201 |
| Noncurrent loans to loans | 2.7185% | 2,922 |
| Net loans and leases to total assets | 75.9930% | 1,408 |
| Net loans and leases to deposits | 90.6245% | 1,635 |
| Net loans and leases to core deposits | 152.1493% | 178 |
| Total domestic deposits to total assets | 83.8548% | 4,206 |
| Equity capital to assets | 8.2793% | 6,532 |
| Core capital (leverage) ratio | 8.0753% | 6,239 |
| Tier 1 risk-based capital ratio | 10.7343% | 6,611 |
| Total risk-based capital ratio | 12.3875% | 6,241 |
| Memoranda: | ||
| Average total assets | $1,366,796,500 | 488 |
| Average earning assets | $1,217,318,000 | 495 |
| Average equity | $117,223,750 | 569 |
| Average total loans | $1,118,217,000 | 400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9354% | 1,095 |
| Cost of funding earning assets | 1.3429% | 4,237 |
| Net interest margin | 4.5925% | 1,021 |
| Noninterest income to average assets | 1.8257% | 405 |
| Noninterest expense to average assets | 4.4412% | 615 |
| Loan and lease loss provision to assets | 1.5787% | 831 |
| Net operating income to assets | -0.0174% | 6,103 |
| Return on assets (ROA) | 0.0511% | 6,092 |
| Pretax return on assets | -0.0186% | 6,171 |
| Return on Equity (ROE) | 0.5880% | 6,063 |
| Retained earnings to average equity (ytd only) | -1.5738% | 6,081 |
| Net charge-offs to loans | 1.6509% | 1,146 |
| Credit loss provision to net charge-offs | 114.4522% | 3,556 |
| Earnings coverage of net charge-offs (x) | 1.0542% | 4,738 |
| Efficiency ratio | 75.3338% | 3,199 |
| Assets per employee ($millions) | 3.0839% | 5,967 |
| Cash dividends to net income (ytd only)* | 367.6471% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,552 |
| Loan loss allowance to noncurrent loans | 54.2933% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 5.6823% | 1,065 |
| Noncurrent loans to loans | 2.9040% | 2,753 |
| Net loans and leases to total assets | 82.0297% | 530 |
| Net loans and leases to deposits | 100.2451% | 701 |
| Net loans and leases to core deposits | 170.3830% | 136 |
| Total domestic deposits to total assets | 81.8291% | 5,055 |
| Equity capital to assets | 8.7374% | 5,829 |
| Core capital (leverage) ratio | 8.5866% | 5,260 |
| Tier 1 risk-based capital ratio | 10.5421% | 6,653 |
| Total risk-based capital ratio | 12.2645% | 6,211 |
| Memoranda: | ||
| Average total assets | $1,331,361,000 | 500 |
| Average earning assets | $1,179,799,670 | 510 |
| Average equity | $115,644,330 | 575 |
| Average total loans | $1,112,331,000 | 410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7717% | 1,551 |
| Cost of funding earning assets | 1.4364% | 3,952 |
| Net interest margin | 4.3352% | 1,578 |
| Noninterest income to average assets | 1.6894% | 445 |
| Noninterest expense to average assets | 4.5161% | 570 |
| Loan and lease loss provision to assets | 1.5195% | 764 |
| Net operating income to assets | -0.2635% | 6,614 |
| Return on assets (ROA) | -0.1298% | 6,541 |
| Pretax return on assets | -0.2791% | 6,617 |
| Return on Equity (ROE) | -1.4993% | 6,577 |
| Retained earnings to average equity (ytd only) | -1.4993% | 6,124 |
| Net charge-offs to loans | -0.0678% | 7,438 |
| Credit loss provision to net charge-offs | -2,678.6096% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4076% | 2,365 |
| Assets per employee ($millions) | 2.7573% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 2,092 |
| Loan loss allowance to noncurrent loans | 42.6628% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 6.3819% | 902 |
| Noncurrent loans to loans | 4.7699% | 1,543 |
| Net loans and leases to total assets | 82.1847% | 572 |
| Net loans and leases to deposits | 101.4572% | 668 |
| Net loans and leases to core deposits | 173.6248% | 148 |
| Total domestic deposits to total assets | 81.0043% | 5,458 |
| Equity capital to assets | 8.9463% | 5,355 |
| Core capital (leverage) ratio | 8.3138% | 5,714 |
| Tier 1 risk-based capital ratio | 10.2917% | 6,812 |
| Total risk-based capital ratio | 12.0177% | 6,359 |
| Memoranda: | ||
| Average total assets | $1,318,578,500 | 520 |
| Average earning assets | $1,173,451,500 | 530 |
| Average equity | $114,186,500 | 587 |
| Average total loans | $1,103,039,500 | 432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4363% | 763 |
| Cost of funding earning assets | 1.8775% | 3,577 |
| Net interest margin | 4.5588% | 1,060 |
| Noninterest income to average assets | 2.0020% | 372 |
| Noninterest expense to average assets | 4.5184% | 784 |
| Loan and lease loss provision to assets | 1.1967% | 1,922 |
| Net operating income to assets | 0.3492% | 4,322 |
| Return on assets (ROA) | 0.3863% | 4,283 |
| Pretax return on assets | 0.4964% | 4,195 |
| Return on Equity (ROE) | 4.7755% | 3,767 |
| Retained earnings to average equity (ytd only) | -1.0526% | 5,276 |
| Net charge-offs to loans | 1.3421% | 1,858 |
| Credit loss provision to net charge-offs | 106.8999% | 5,186 |
| Earnings coverage of net charge-offs (x) | 1.4704% | 4,656 |
| Efficiency ratio | 73.2991% | 4,035 |
| Assets per employee ($millions) | 2.8578% | 6,546 |
| Cash dividends to net income (ytd only)* | 122.0428% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,989 |
| Loan loss allowance to noncurrent loans | 64.3581% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.8645% | 1,721 |
| Noncurrent loans to loans | 2.2500% | 3,334 |
| Net loans and leases to total assets | 82.2239% | 653 |
| Net loans and leases to deposits | 100.3157% | 874 |
| Net loans and leases to core deposits | 143.0077% | 709 |
| Total domestic deposits to total assets | 81.9651% | 4,962 |
| Equity capital to assets | 8.3932% | 6,062 |
| Core capital (leverage) ratio | 7.6549% | 6,606 |
| Tier 1 risk-based capital ratio | 10.0434% | 6,831 |
| Total risk-based capital ratio | 11.7585% | 6,365 |
| Memoranda: | ||
| Average total assets | $1,378,842,000 | 496 |
| Average earning assets | $1,258,924,400 | 485 |
| Average equity | $111,528,200 | 588 |
| Average total loans | $1,150,070,800 | 421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 1,074 |
| Cost of funding earning assets | 1.9118% | 3,817 |
| Net interest margin | 4.4165% | 1,398 |
| Noninterest income to average assets | 1.7487% | 476 |
| Noninterest expense to average assets | 3.9855% | 1,294 |
| Loan and lease loss provision to assets | 0.9647% | 1,990 |
| Net operating income to assets | 0.6282% | 3,500 |
| Return on assets (ROA) | 0.6427% | 3,503 |
| Pretax return on assets | 0.8707% | 3,315 |
| Return on Equity (ROE) | 8.0205% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.0009% | 4,200 |
| Net charge-offs to loans | 1.1552% | 1,752 |
| Credit loss provision to net charge-offs | 100.1302% | 5,069 |
| Earnings coverage of net charge-offs (x) | 1.8851% | 4,397 |
| Efficiency ratio | 68.6953% | 4,844 |
| Assets per employee ($millions) | 3.2212% | 5,599 |
| Cash dividends to net income (ytd only)* | 75.0526% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 4,648 |
| Loan loss allowance to noncurrent loans | 53.3932% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.6399% | 2,634 |
| Noncurrent loans to loans | 2.3890% | 3,158 |
| Net loans and leases to total assets | 81.4177% | 911 |
| Net loans and leases to deposits | 98.4177% | 1,275 |
| Net loans and leases to core deposits | 132.1070% | 1,325 |
| Total domestic deposits to total assets | 82.7267% | 4,349 |
| Equity capital to assets | 8.0322% | 6,821 |
| Core capital (leverage) ratio | 7.7570% | 6,658 |
| Tier 1 risk-based capital ratio | 10.2332% | 6,748 |
| Total risk-based capital ratio | 11.9445% | 6,229 |
| Memoranda: | ||
| Average total assets | $1,382,042,500 | 508 |
| Average earning assets | $1,268,296,250 | 497 |
| Average equity | $110,746,500 | 602 |
| Average total loans | $1,152,659,750 | 439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4277% | 950 |
| Cost of funding earning assets | 1.9445% | 4,036 |
| Net interest margin | 4.4832% | 1,211 |
| Noninterest income to average assets | 1.8894% | 410 |
| Noninterest expense to average assets | 4.2823% | 966 |
| Loan and lease loss provision to assets | 0.9608% | 1,760 |
| Net operating income to assets | 0.5529% | 3,866 |
| Return on assets (ROA) | 0.5735% | 3,901 |
| Pretax return on assets | 0.7691% | 3,779 |
| Return on Equity (ROE) | 7.1630% | 3,125 |
| Retained earnings to average equity (ytd only) | 0.7015% | 4,912 |
| Net charge-offs to loans | 1.1466% | 1,590 |
| Credit loss provision to net charge-offs | 100.0616% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.7726% | 4,228 |
| Efficiency ratio | 71.5588% | 4,494 |
| Assets per employee ($millions) | 3.2548% | 5,435 |
| Cash dividends to net income (ytd only)* | 90.2062% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,721 |
| Loan loss allowance to noncurrent loans | 54.4611% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6622% | 2,413 |
| Noncurrent loans to loans | 2.2650% | 3,170 |
| Net loans and leases to total assets | 84.9873% | 509 |
| Net loans and leases to deposits | 109.1404% | 595 |
| Net loans and leases to core deposits | 134.1400% | 1,310 |
| Total domestic deposits to total assets | 77.8697% | 6,114 |
| Equity capital to assets | 7.9621% | 6,796 |
| Core capital (leverage) ratio | 7.8936% | 6,498 |
| Tier 1 risk-based capital ratio | 9.9313% | 7,003 |
| Total risk-based capital ratio | 11.6962% | 6,379 |
| Memoranda: | ||
| Average total assets | $1,353,096,330 | 527 |
| Average earning assets | $1,235,909,330 | 521 |
| Average equity | $108,334,000 | 620 |
| Average total loans | $1,133,086,000 | 462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5365% | 808 |
| Cost of funding earning assets | 2.1006% | 3,643 |
| Net interest margin | 4.4359% | 1,260 |
| Noninterest income to average assets | 1.4357% | 681 |
| Noninterest expense to average assets | 3.8136% | 1,447 |
| Loan and lease loss provision to assets | 1.0751% | 1,219 |
| Net operating income to assets | 0.4403% | 4,696 |
| Return on assets (ROA) | 0.4853% | 4,682 |
| Pretax return on assets | 0.6355% | 4,638 |
| Return on Equity (ROE) | 6.0432% | 4,020 |
| Retained earnings to average equity (ytd only) | -1.6064% | 6,019 |
| Net charge-offs to loans | 1.5808% | 917 |
| Credit loss provision to net charge-offs | 82.4888% | 4,153 |
| Earnings coverage of net charge-offs (x) | 1.2673% | 4,107 |
| Efficiency ratio | 69.7786% | 4,628 |
| Assets per employee ($millions) | 3.1663% | 5,688 |
| Cash dividends to net income (ytd only)* | 126.5823% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,990 |
| Loan loss allowance to noncurrent loans | 55.6203% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.9212% | 1,949 |
| Noncurrent loans to loans | 2.3650% | 2,786 |
| Net loans and leases to total assets | 82.3174% | 966 |
| Net loans and leases to deposits | 115.8268% | 392 |
| Net loans and leases to core deposits | 141.4263% | 1,044 |
| Total domestic deposits to total assets | 71.0694% | 7,324 |
| Equity capital to assets | 8.6364% | 5,862 |
| Core capital (leverage) ratio | 8.5905% | 5,360 |
| Tier 1 risk-based capital ratio | 10.5904% | 6,302 |
| Total risk-based capital ratio | 12.3946% | 5,683 |
| Memoranda: | ||
| Average total assets | $1,302,194,500 | 545 |
| Average earning assets | $1,182,893,000 | 540 |
| Average equity | $104,580,500 | 637 |
| Average total loans | $1,073,667,500 | 489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3089% | 585 |
| Cost of funding earning assets | 2.8045% | 2,689 |
| Net interest margin | 4.5044% | 1,408 |
| Noninterest income to average assets | 1.5093% | 614 |
| Noninterest expense to average assets | 4.0602% | 1,331 |
| Loan and lease loss provision to assets | 1.1340% | 1,281 |
| Net operating income to assets | 0.3220% | 5,471 |
| Return on assets (ROA) | 0.3319% | 5,255 |
| Pretax return on assets | 0.4166% | 5,212 |
| Return on Equity (ROE) | 4.7600% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.7600% | 2,182 |
| Net charge-offs to loans | 0.5752% | 2,092 |
| Credit loss provision to net charge-offs | 242.3473% | 1,926 |
| Earnings coverage of net charge-offs (x) | 3.2874% | 4,444 |
| Efficiency ratio | 72.5228% | 3,843 |
| Assets per employee ($millions) | 3.1006% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 2,701 |
| Loan loss allowance to noncurrent loans | 64.7908% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.1868% | 1,435 |
| Noncurrent loans to loans | 2.3132% | 2,389 |
| Net loans and leases to total assets | 80.2095% | 1,609 |
| Net loans and leases to deposits | 103.4778% | 1,402 |
| Net loans and leases to core deposits | 118.5828% | 2,827 |
| Total domestic deposits to total assets | 77.5138% | 5,871 |
| Equity capital to assets | 7.3902% | 7,474 |
| Core capital (leverage) ratio | 7.2111% | 7,512 |
| Tier 1 risk-based capital ratio | 9.0002% | 7,779 |
| Total risk-based capital ratio | 10.8176% | 7,140 |
| Memoranda: | ||
| Average total assets | $1,245,452,000 | 542 |
| Average earning assets | $1,130,643,600 | 539 |
| Average equity | $86,849,000 | 765 |
| Average total loans | $1,013,198,400 | 488 |