Home > Sunwest Bank > Performance and Condition Ratios
Sunwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 955 |
| Cost of funding earning assets | 1.1532% | 2,927 |
| Net interest margin | 4.5255% | 591 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.7931% | 1,519 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 1.2545% | 1,530 |
| Return on assets (ROA) | 1.2278% | 1,558 |
| Pretax return on assets | 1.6034% | 1,221 |
| Return on Equity (ROE) | 14.3700% | 1,407 |
| Retained earnings to average equity (ytd only) | 14.3692% | 372 |
| Net charge-offs to loans | -0.0308% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5991% | 3,231 |
| Assets per employee ($millions) | 10.2201% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 442 |
| Loan loss allowance to noncurrent loans | 268.3499% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 787 |
| Noncurrent loans to loans | 0.7140% | 1,092 |
| Net loans and leases to total assets | 71.0700% | 1,687 |
| Net loans and leases to deposits | 82.6594% | 1,898 |
| Net loans and leases to core deposits | 86.4558% | 2,278 |
| Total domestic deposits to total assets | 85.9800% | 2,026 |
| Equity capital to assets | 8.8308% | 2,797 |
| Core capital (leverage) ratio | 9.3534% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8056% | 2,627 |
| Memoranda: | ||
| Average total assets | $2,772,566,000 | 424 |
| Average earning assets | $2,608,948,600 | 407 |
| Average equity | $236,902,000 | 470 |
| Average total loans | $1,940,416,600 | 415 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 966 |
| Cost of funding earning assets | 1.0354% | 2,938 |
| Net interest margin | 4.5046% | 613 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.7020% | 1,651 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.2022% | 1,795 |
| Return on assets (ROA) | 1.1972% | 1,793 |
| Pretax return on assets | 1.6554% | 1,249 |
| Return on Equity (ROE) | 14.1400% | 1,619 |
| Retained earnings to average equity (ytd only) | 14.1412% | 658 |
| Net charge-offs to loans | -0.0568% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.6349% | 3,253 |
| Assets per employee ($millions) | 10.5487% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 461 |
| Loan loss allowance to noncurrent loans | 243.3746% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 789 |
| Noncurrent loans to loans | 0.7881% | 1,052 |
| Net loans and leases to total assets | 67.5700% | 2,096 |
| Net loans and leases to deposits | 80.6862% | 1,992 |
| Net loans and leases to core deposits | 84.4158% | 2,300 |
| Total domestic deposits to total assets | 83.7400% | 2,851 |
| Equity capital to assets | 8.0985% | 2,987 |
| Core capital (leverage) ratio | 9.4811% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9468% | 2,625 |
| Memoranda: | ||
| Average total assets | $2,722,195,750 | 430 |
| Average earning assets | $2,563,581,750 | 413 |
| Average equity | $230,469,750 | 475 |
| Average total loans | $1,886,750,750 | 426 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 887 |
| Cost of funding earning assets | 0.9424% | 2,799 |
| Net interest margin | 4.5165% | 594 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.7020% | 1,640 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 1.2471% | 1,701 |
| Return on assets (ROA) | 1.2451% | 1,705 |
| Pretax return on assets | 1.7145% | 1,178 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | 14.4702% | 626 |
| Net charge-offs to loans | -0.0041% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0215% | 3,303 |
| Assets per employee ($millions) | 10.3007% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 510 |
| Loan loss allowance to noncurrent loans | 184.7538% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 566 |
| Noncurrent loans to loans | 1.0220% | 740 |
| Net loans and leases to total assets | 66.4600% | 2,106 |
| Net loans and leases to deposits | 79.4927% | 2,016 |
| Net loans and leases to core deposits | 83.3072% | 2,251 |
| Total domestic deposits to total assets | 83.6000% | 2,913 |
| Equity capital to assets | 8.3598% | 2,983 |
| Core capital (leverage) ratio | 9.9077% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4991% | 2,466 |
| Memoranda: | ||
| Average total assets | $2,638,017,333 | 428 |
| Average earning assets | $2,488,268,000 | 412 |
| Average equity | $226,990,333 | 472 |
| Average total loans | $1,832,575,000 | 422 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 665 |
| Cost of funding earning assets | 0.7902% | 2,768 |
| Net interest margin | 4.6583% | 474 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.9833% | 1,086 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.3002% | 1,661 |
| Return on assets (ROA) | 1.2934% | 1,665 |
| Pretax return on assets | 1.7526% | 1,169 |
| Return on Equity (ROE) | 14.8000% | 1,595 |
| Retained earnings to average equity (ytd only) | 14.8003% | 828 |
| Net charge-offs to loans | -0.0387% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.7018% | 2,858 |
| Assets per employee ($millions) | 10.2374% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 643 |
| Loan loss allowance to noncurrent loans | 178.6771% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 482 |
| Noncurrent loans to loans | 1.0170% | 718 |
| Net loans and leases to total assets | 69.3100% | 1,689 |
| Net loans and leases to deposits | 84.2794% | 1,478 |
| Net loans and leases to core deposits | 88.8248% | 1,687 |
| Total domestic deposits to total assets | 82.2400% | 3,446 |
| Equity capital to assets | 8.8936% | 2,599 |
| Core capital (leverage) ratio | 9.7928% | 2,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,556,131,500 | 452 |
| Average earning assets | $2,405,099,500 | 439 |
| Average equity | $223,373,500 | 485 |
| Average total loans | $1,799,974,000 | 433 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 744 |
| Cost of funding earning assets | 0.2699% | 3,157 |
| Net interest margin | 4.2147% | 510 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.7526% | 1,431 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.1820% | 1,852 |
| Return on assets (ROA) | 1.1042% | 2,090 |
| Pretax return on assets | 1.5288% | 1,368 |
| Return on Equity (ROE) | 12.2800% | 2,046 |
| Retained earnings to average equity (ytd only) | 12.2782% | 620 |
| Net charge-offs to loans | 0.0090% | 2,048 |
| Credit loss provision to net charge-offs | 4,452.0548% | 149 |
| Earnings coverage of net charge-offs (x) | 308.3836% | 479 |
| Efficiency ratio | 59.1397% | 3,173 |
| Assets per employee ($millions) | 10.2113% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 632 |
| Loan loss allowance to noncurrent loans | 91.4836% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6009% | 188 |
| Noncurrent loans to loans | 1.9911% | 285 |
| Net loans and leases to total assets | 68.9600% | 1,733 |
| Net loans and leases to deposits | 82.8846% | 1,548 |
| Net loans and leases to core deposits | 87.5461% | 1,644 |
| Total domestic deposits to total assets | 83.2000% | 3,376 |
| Equity capital to assets | 8.5797% | 2,648 |
| Core capital (leverage) ratio | 9.3295% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,367,468,400 | 476 |
| Average earning assets | $2,235,030,200 | 456 |
| Average equity | $212,913,600 | 501 |
| Average total loans | $1,623,340,800 | 440 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 902 |
| Cost of funding earning assets | 0.1403% | 3,936 |
| Net interest margin | 4.0536% | 571 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.4746% | 2,084 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.1242% | 1,987 |
| Return on assets (ROA) | 1.1145% | 1,998 |
| Pretax return on assets | 1.5437% | 1,290 |
| Return on Equity (ROE) | 12.2400% | 1,957 |
| Retained earnings to average equity (ytd only) | 12.2400% | 739 |
| Net charge-offs to loans | 0.0199% | 1,437 |
| Credit loss provision to net charge-offs | 2,109.7046% | 242 |
| Earnings coverage of net charge-offs (x) | 135.7595% | 788 |
| Efficiency ratio | 57.3265% | 3,467 |
| Assets per employee ($millions) | 10.1435% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 783 |
| Loan loss allowance to noncurrent loans | 137.1206% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 402 |
| Noncurrent loans to loans | 1.2863% | 571 |
| Net loans and leases to total assets | 67.6500% | 1,714 |
| Net loans and leases to deposits | 83.5976% | 1,331 |
| Net loans and leases to core deposits | 87.8438% | 1,420 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 8.1474% | 2,795 |
| Core capital (leverage) ratio | 9.8114% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,328,785,750 | 481 |
| Average earning assets | $2,200,466,000 | 465 |
| Average equity | $212,042,750 | 502 |
| Average total loans | $1,586,290,250 | 448 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 838 |
| Cost of funding earning assets | 0.1026% | 4,165 |
| Net interest margin | 3.9607% | 537 |
| Noninterest income to average assets | 0.5018% | 2,190 |
| Noninterest expense to average assets | 2.5090% | 1,900 |
| Loan and lease loss provision to assets | 0.1767% | 498 |
| Net operating income to assets | 1.1649% | 1,557 |
| Return on assets (ROA) | 1.1571% | 1,560 |
| Pretax return on assets | 1.5522% | 1,043 |
| Return on Equity (ROE) | 12.2290% | 1,609 |
| Retained earnings to average equity (ytd only) | 12.2290% | 574 |
| Net charge-offs to loans | -0.0531% | 4,262 |
| Credit loss provision to net charge-offs | -490.1961% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0667% | 3,432 |
| Assets per employee ($millions) | 9.8572% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 865 |
| Loan loss allowance to noncurrent loans | 141.0719% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 431 |
| Noncurrent loans to loans | 1.2454% | 632 |
| Net loans and leases to total assets | 66.3921% | 1,642 |
| Net loans and leases to deposits | 77.4903% | 1,575 |
| Net loans and leases to core deposits | 81.2834% | 1,639 |
| Total domestic deposits to total assets | 85.6780% | 3,330 |
| Equity capital to assets | 8.8742% | 2,472 |
| Core capital (leverage) ratio | 9.8376% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,263,135,333 | 493 |
| Average earning assets | $2,140,445,333 | 482 |
| Average equity | $214,130,000 | 501 |
| Average total loans | $1,535,280,000 | 457 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 847 |
| Cost of funding earning assets | 0.0885% | 4,267 |
| Net interest margin | 3.8628% | 550 |
| Noninterest income to average assets | 0.6138% | 1,632 |
| Noninterest expense to average assets | 2.5746% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3645% | 870 |
| Return on assets (ROA) | 1.3584% | 876 |
| Pretax return on assets | 1.6870% | 701 |
| Return on Equity (ROE) | 13.8898% | 854 |
| Retained earnings to average equity (ytd only) | 13.8898% | 388 |
| Net charge-offs to loans | -0.0866% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3081% | 3,454 |
| Assets per employee ($millions) | 9.8405% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 962 |
| Loan loss allowance to noncurrent loans | 183.1821% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 609 |
| Noncurrent loans to loans | 0.9557% | 954 |
| Net loans and leases to total assets | 65.9237% | 1,418 |
| Net loans and leases to deposits | 73.7983% | 1,624 |
| Net loans and leases to core deposits | 77.4975% | 1,654 |
| Total domestic deposits to total assets | 89.3295% | 1,910 |
| Equity capital to assets | 9.5212% | 2,262 |
| Core capital (leverage) ratio | 10.1834% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,201,987,500 | 508 |
| Average earning assets | $2,083,668,000 | 496 |
| Average equity | $215,351,500 | 511 |
| Average total loans | $1,496,889,500 | 462 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 1,046 |
| Cost of funding earning assets | 0.1281% | 4,165 |
| Net interest margin | 4.0429% | 653 |
| Noninterest income to average assets | 0.6839% | 1,818 |
| Noninterest expense to average assets | 2.3706% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5794% | 861 |
| Return on assets (ROA) | 1.6075% | 822 |
| Pretax return on assets | 2.1901% | 423 |
| Return on Equity (ROE) | 15.5051% | 838 |
| Retained earnings to average equity (ytd only) | 8.5745% | 1,318 |
| Net charge-offs to loans | -0.0797% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3809% | 4,084 |
| Assets per employee ($millions) | 11.2445% | 475 |
| Cash dividends to net income (ytd only)* | 44.6987% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 974 |
| Loan loss allowance to noncurrent loans | 1,691.5796% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 1,952 |
| Noncurrent loans to loans | 0.1025% | 3,416 |
| Net loans and leases to total assets | 67.6914% | 1,303 |
| Net loans and leases to deposits | 76.1255% | 1,556 |
| Net loans and leases to core deposits | 80.7290% | 1,539 |
| Total domestic deposits to total assets | 88.9208% | 1,555 |
| Equity capital to assets | 10.0461% | 2,617 |
| Core capital (leverage) ratio | 9.8869% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,087,548,200 | 513 |
| Average earning assets | $1,983,319,600 | 499 |
| Average equity | $216,431,800 | 504 |
| Average total loans | $1,638,521,200 | 430 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 1,334 |
| Cost of funding earning assets | 0.1392% | 4,197 |
| Net interest margin | 3.9489% | 865 |
| Noninterest income to average assets | 0.6819% | 1,881 |
| Noninterest expense to average assets | 2.2816% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5662% | 1,111 |
| Return on assets (ROA) | 1.6008% | 1,076 |
| Pretax return on assets | 2.1972% | 547 |
| Return on Equity (ROE) | 15.3156% | 1,087 |
| Retained earnings to average equity (ytd only) | 15.3156% | 357 |
| Net charge-offs to loans | -0.0792% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4350% | 4,084 |
| Assets per employee ($millions) | 11.1001% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,234 |
| Loan loss allowance to noncurrent loans | 879.8625% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 1,892 |
| Noncurrent loans to loans | 0.1869% | 3,200 |
| Net loans and leases to total assets | 71.0969% | 974 |
| Net loans and leases to deposits | 79.9495% | 1,296 |
| Net loans and leases to core deposits | 85.4471% | 1,325 |
| Total domestic deposits to total assets | 88.9273% | 1,323 |
| Equity capital to assets | 10.4540% | 2,488 |
| Core capital (leverage) ratio | 10.6952% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,066,890,250 | 517 |
| Average earning assets | $1,964,224,000 | 506 |
| Average equity | $216,035,250 | 508 |
| Average total loans | $1,674,416,500 | 423 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 1,168 |
| Cost of funding earning assets | 0.1610% | 4,112 |
| Net interest margin | 4.0506% | 754 |
| Noninterest income to average assets | 0.6566% | 1,982 |
| Noninterest expense to average assets | 2.2498% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6026% | 1,043 |
| Return on assets (ROA) | 1.6381% | 1,022 |
| Pretax return on assets | 2.3002% | 478 |
| Return on Equity (ROE) | 15.6736% | 1,025 |
| Retained earnings to average equity (ytd only) | 15.6736% | 363 |
| Net charge-offs to loans | -0.0352% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9216% | 4,244 |
| Assets per employee ($millions) | 10.7401% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,505 |
| Loan loss allowance to noncurrent loans | 558.4174% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 1,737 |
| Noncurrent loans to loans | 0.2734% | 2,959 |
| Net loans and leases to total assets | 78.3243% | 421 |
| Net loans and leases to deposits | 88.3546% | 756 |
| Net loans and leases to core deposits | 95.5289% | 828 |
| Total domestic deposits to total assets | 88.6477% | 1,477 |
| Equity capital to assets | 10.7388% | 2,197 |
| Core capital (leverage) ratio | 10.4757% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,038,049,667 | 518 |
| Average earning assets | $1,936,261,333 | 510 |
| Average equity | $213,007,667 | 508 |
| Average total loans | $1,713,684,000 | 410 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 1,602 |
| Cost of funding earning assets | 0.1760% | 4,112 |
| Net interest margin | 3.8289% | 1,087 |
| Noninterest income to average assets | 0.4373% | 2,881 |
| Noninterest expense to average assets | 2.2580% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2904% | 1,858 |
| Return on assets (ROA) | 1.3602% | 1,748 |
| Pretax return on assets | 1.9130% | 1,094 |
| Return on Equity (ROE) | 13.1979% | 1,617 |
| Retained earnings to average equity (ytd only) | 13.1979% | 877 |
| Net charge-offs to loans | 0.0408% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 51.7598% | 881 |
| Efficiency ratio | 55.2672% | 3,639 |
| Assets per employee ($millions) | 11.1292% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 2,376 |
| Loan loss allowance to noncurrent loans | 249.0824% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 1,304 |
| Noncurrent loans to loans | 0.5273% | 2,272 |
| Net loans and leases to total assets | 85.4548% | 101 |
| Net loans and leases to deposits | 106.4945% | 166 |
| Net loans and leases to core deposits | 114.5212% | 314 |
| Total domestic deposits to total assets | 80.2434% | 4,171 |
| Equity capital to assets | 9.8785% | 2,822 |
| Core capital (leverage) ratio | 10.3654% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,031,396,500 | 512 |
| Average earning assets | $1,933,815,000 | 499 |
| Average equity | $209,366,500 | 509 |
| Average total loans | $1,754,715,500 | 406 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 1,688 |
| Cost of funding earning assets | 0.3597% | 3,821 |
| Net interest margin | 4.0024% | 970 |
| Noninterest income to average assets | 0.4247% | 2,993 |
| Noninterest expense to average assets | 2.3328% | 3,317 |
| Loan and lease loss provision to assets | 0.1546% | 2,437 |
| Net operating income to assets | 1.2668% | 1,342 |
| Return on assets (ROA) | 1.2956% | 1,361 |
| Pretax return on assets | 1.7741% | 728 |
| Return on Equity (ROE) | 11.7837% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.7837% | 344 |
| Net charge-offs to loans | 0.2085% | 834 |
| Credit loss provision to net charge-offs | 86.6091% | 2,955 |
| Earnings coverage of net charge-offs (x) | 10.5957% | 2,450 |
| Efficiency ratio | 55.0706% | 4,087 |
| Assets per employee ($millions) | 9.9732% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,609 |
| Loan loss allowance to noncurrent loans | 233.1502% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 1,833 |
| Noncurrent loans to loans | 0.6399% | 2,084 |
| Net loans and leases to total assets | 84.8563% | 139 |
| Net loans and leases to deposits | 111.4012% | 150 |
| Net loans and leases to core deposits | 121.4335% | 293 |
| Total domestic deposits to total assets | 76.1718% | 4,500 |
| Equity capital to assets | 10.7866% | 2,445 |
| Core capital (leverage) ratio | 10.3314% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,752,378,200 | 538 |
| Average earning assets | $1,663,791,800 | 523 |
| Average equity | $192,664,400 | 521 |
| Average total loans | $1,500,864,400 | 450 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,158 |
| Cost of funding earning assets | 0.4002% | 3,805 |
| Net interest margin | 3.8814% | 1,397 |
| Noninterest income to average assets | 0.3475% | 3,385 |
| Noninterest expense to average assets | 2.3016% | 3,414 |
| Loan and lease loss provision to assets | 0.1838% | 2,146 |
| Net operating income to assets | 1.0988% | 1,984 |
| Return on assets (ROA) | 1.1357% | 1,985 |
| Pretax return on assets | 1.5922% | 1,208 |
| Return on Equity (ROE) | 10.2757% | 1,918 |
| Retained earnings to average equity (ytd only) | 10.2757% | 708 |
| Net charge-offs to loans | 0.1899% | 791 |
| Credit loss provision to net charge-offs | 113.1894% | 2,527 |
| Earnings coverage of net charge-offs (x) | 10.6451% | 2,345 |
| Efficiency ratio | 56.9457% | 3,800 |
| Assets per employee ($millions) | 10.3465% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,478 |
| Loan loss allowance to noncurrent loans | 172.8937% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 1,512 |
| Noncurrent loans to loans | 0.8489% | 1,737 |
| Net loans and leases to total assets | 85.9567% | 155 |
| Net loans and leases to deposits | 113.1223% | 179 |
| Net loans and leases to core deposits | 125.9394% | 304 |
| Total domestic deposits to total assets | 75.9857% | 4,425 |
| Equity capital to assets | 9.9812% | 3,241 |
| Core capital (leverage) ratio | 9.8791% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,711,758,250 | 543 |
| Average earning assets | $1,624,178,000 | 528 |
| Average equity | $189,193,250 | 526 |
| Average total loans | $1,463,708,750 | 453 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 2,183 |
| Cost of funding earning assets | 0.4419% | 3,832 |
| Net interest margin | 3.9678% | 1,405 |
| Noninterest income to average assets | 0.3633% | 3,306 |
| Noninterest expense to average assets | 2.2665% | 3,605 |
| Loan and lease loss provision to assets | 0.2322% | 1,811 |
| Net operating income to assets | 1.1526% | 1,787 |
| Return on assets (ROA) | 1.1841% | 1,817 |
| Pretax return on assets | 1.6614% | 1,072 |
| Return on Equity (ROE) | 10.3083% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.3083% | 736 |
| Net charge-offs to loans | 0.2078% | 748 |
| Credit loss provision to net charge-offs | 131.7261% | 2,224 |
| Earnings coverage of net charge-offs (x) | 10.5108% | 2,146 |
| Efficiency ratio | 54.8548% | 4,080 |
| Assets per employee ($millions) | 10.7973% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,339 |
| Loan loss allowance to noncurrent loans | 113.7183% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 953 |
| Noncurrent loans to loans | 1.2990% | 1,196 |
| Net loans and leases to total assets | 85.5489% | 156 |
| Net loans and leases to deposits | 115.3404% | 139 |
| Net loans and leases to core deposits | 123.9477% | 345 |
| Total domestic deposits to total assets | 74.1708% | 4,584 |
| Equity capital to assets | 9.6837% | 3,500 |
| Core capital (leverage) ratio | 10.2601% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,623,617,333 | 556 |
| Average earning assets | $1,536,986,333 | 540 |
| Average equity | $186,509,000 | 534 |
| Average total loans | $1,376,957,333 | 469 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,796 |
| Cost of funding earning assets | 0.5457% | 3,715 |
| Net interest margin | 4.1281% | 1,079 |
| Noninterest income to average assets | 0.3451% | 3,454 |
| Noninterest expense to average assets | 2.5646% | 3,090 |
| Loan and lease loss provision to assets | 0.3148% | 984 |
| Net operating income to assets | 0.9655% | 2,298 |
| Return on assets (ROA) | 0.9819% | 2,341 |
| Pretax return on assets | 1.3736% | 1,642 |
| Return on Equity (ROE) | 7.7136% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.7136% | 1,316 |
| Net charge-offs to loans | 0.3671% | 389 |
| Credit loss provision to net charge-offs | 102.8080% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.4411% | 2,056 |
| Efficiency ratio | 60.4275% | 3,684 |
| Assets per employee ($millions) | 7.6249% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 439 |
| Loan loss allowance to noncurrent loans | 149.2229% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 1,036 |
| Noncurrent loans to loans | 1.4012% | 1,136 |
| Net loans and leases to total assets | 80.9965% | 560 |
| Net loans and leases to deposits | 116.8391% | 107 |
| Net loans and leases to core deposits | 127.5614% | 308 |
| Total domestic deposits to total assets | 69.3232% | 4,880 |
| Equity capital to assets | 12.8284% | 1,534 |
| Core capital (leverage) ratio | 13.0366% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,442,077,500 | 586 |
| Average earning assets | $1,357,416,000 | 568 |
| Average equity | $183,571,000 | 540 |
| Average total loans | $1,202,896,000 | 508 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 1,008 |
| Cost of funding earning assets | 0.7156% | 3,089 |
| Net interest margin | 4.4785% | 748 |
| Noninterest income to average assets | 0.4088% | 3,239 |
| Noninterest expense to average assets | 2.3940% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6030% | 835 |
| Return on assets (ROA) | 1.6155% | 863 |
| Pretax return on assets | 2.2596% | 340 |
| Return on Equity (ROE) | 13.0593% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.0593% | 166 |
| Net charge-offs to loans | -0.0933% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4053% | 4,646 |
| Assets per employee ($millions) | 7.5153% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 408 |
| Loan loss allowance to noncurrent loans | 273.8893% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 1,895 |
| Noncurrent loans to loans | 0.7569% | 2,000 |
| Net loans and leases to total assets | 82.3647% | 507 |
| Net loans and leases to deposits | 111.7845% | 154 |
| Net loans and leases to core deposits | 120.0812% | 478 |
| Total domestic deposits to total assets | 73.6817% | 4,785 |
| Equity capital to assets | 12.6299% | 1,750 |
| Core capital (leverage) ratio | 13.1819% | 1,159 |
| Tier 1 risk-based capital ratio | 12.8860% | 3,850 |
| Total risk-based capital ratio | 14.1432% | 3,724 |
| Memoranda: | ||
| Average total assets | $1,359,451,800 | 598 |
| Average earning assets | $1,283,694,000 | 580 |
| Average equity | $168,171,000 | 548 |
| Average total loans | $1,137,142,200 | 513 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 838 |
| Cost of funding earning assets | 0.7610% | 2,913 |
| Net interest margin | 4.5520% | 683 |
| Noninterest income to average assets | 0.4542% | 2,995 |
| Noninterest expense to average assets | 2.4832% | 3,486 |
| Loan and lease loss provision to assets | -0.0291% | 5,096 |
| Net operating income to assets | 1.6469% | 831 |
| Return on assets (ROA) | 1.6638% | 846 |
| Pretax return on assets | 2.3260% | 352 |
| Return on Equity (ROE) | 13.5254% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.5254% | 232 |
| Net charge-offs to loans | -0.1216% | 5,029 |
| Credit loss provision to net charge-offs | 28.6974% | 2,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9690% | 4,594 |
| Assets per employee ($millions) | 7.6510% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 332 |
| Loan loss allowance to noncurrent loans | 253.7505% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,788 |
| Noncurrent loans to loans | 0.8657% | 1,851 |
| Net loans and leases to total assets | 81.6458% | 611 |
| Net loans and leases to deposits | 106.3933% | 303 |
| Net loans and leases to core deposits | 117.3922% | 614 |
| Total domestic deposits to total assets | 76.7397% | 4,550 |
| Equity capital to assets | 12.9060% | 1,682 |
| Core capital (leverage) ratio | 12.7496% | 1,463 |
| Tier 1 risk-based capital ratio | 13.1186% | 3,786 |
| Total risk-based capital ratio | 14.3770% | 3,684 |
| Memoranda: | ||
| Average total assets | $1,340,457,250 | 605 |
| Average earning assets | $1,267,577,000 | 588 |
| Average equity | $164,890,250 | 562 |
| Average total loans | $1,119,598,750 | 520 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 846 |
| Cost of funding earning assets | 0.7811% | 2,741 |
| Net interest margin | 4.4994% | 771 |
| Noninterest income to average assets | 0.4538% | 2,938 |
| Noninterest expense to average assets | 2.4889% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5981% | 917 |
| Return on assets (ROA) | 1.6236% | 901 |
| Pretax return on assets | 2.2689% | 380 |
| Return on Equity (ROE) | 13.4198% | 1,120 |
| Retained earnings to average equity (ytd only) | 13.4198% | 264 |
| Net charge-offs to loans | -0.0748% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4507% | 4,619 |
| Assets per employee ($millions) | 7.4530% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1666% | 348 |
| Loan loss allowance to noncurrent loans | 276.5680% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 1,947 |
| Noncurrent loans to loans | 0.7834% | 2,028 |
| Net loans and leases to total assets | 81.6241% | 660 |
| Net loans and leases to deposits | 109.0055% | 243 |
| Net loans and leases to core deposits | 121.8092% | 493 |
| Total domestic deposits to total assets | 74.8807% | 4,775 |
| Equity capital to assets | 12.4403% | 1,894 |
| Core capital (leverage) ratio | 12.5922% | 1,491 |
| Tier 1 risk-based capital ratio | 12.6897% | 4,020 |
| Total risk-based capital ratio | 13.9475% | 3,911 |
| Memoranda: | ||
| Average total assets | $1,338,419,330 | 607 |
| Average earning assets | $1,270,701,000 | 586 |
| Average equity | $161,924,330 | 567 |
| Average total loans | $1,118,093,670 | 520 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 711 |
| Cost of funding earning assets | 0.7835% | 2,631 |
| Net interest margin | 4.5502% | 675 |
| Noninterest income to average assets | 0.5041% | 2,530 |
| Noninterest expense to average assets | 2.4790% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6929% | 738 |
| Return on assets (ROA) | 1.6875% | 778 |
| Pretax return on assets | 2.3587% | 324 |
| Return on Equity (ROE) | 14.1505% | 935 |
| Retained earnings to average equity (ytd only) | 14.1505% | 343 |
| Net charge-offs to loans | 0.0223% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 127.1613% | 566 |
| Efficiency ratio | 50.9538% | 4,764 |
| Assets per employee ($millions) | 7.5293% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1512% | 384 |
| Loan loss allowance to noncurrent loans | 275.4667% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 2,006 |
| Noncurrent loans to loans | 0.7809% | 2,078 |
| Net loans and leases to total assets | 81.5912% | 635 |
| Net loans and leases to deposits | 107.1998% | 287 |
| Net loans and leases to core deposits | 120.6530% | 510 |
| Total domestic deposits to total assets | 76.1113% | 4,747 |
| Equity capital to assets | 12.1639% | 1,927 |
| Core capital (leverage) ratio | 12.2863% | 1,613 |
| Tier 1 risk-based capital ratio | 12.4426% | 4,209 |
| Total risk-based capital ratio | 13.7003% | 4,066 |
| Memoranda: | ||
| Average total assets | $1,333,128,500 | 612 |
| Average earning assets | $1,271,676,500 | 590 |
| Average equity | $158,976,500 | 574 |
| Average total loans | $1,114,393,000 | 525 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 987 |
| Cost of funding earning assets | 0.6214% | 2,580 |
| Net interest margin | 4.4074% | 918 |
| Noninterest income to average assets | 0.4766% | 2,963 |
| Noninterest expense to average assets | 2.3832% | 3,930 |
| Loan and lease loss provision to assets | 0.0797% | 2,533 |
| Net operating income to assets | 1.5581% | 975 |
| Return on assets (ROA) | 1.5581% | 964 |
| Pretax return on assets | 2.2097% | 351 |
| Return on Equity (ROE) | 13.7723% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.7723% | 182 |
| Net charge-offs to loans | -0.2245% | 5,280 |
| Credit loss provision to net charge-offs | -43.0130% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7360% | 4,893 |
| Assets per employee ($millions) | 7.4501% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1447% | 373 |
| Loan loss allowance to noncurrent loans | 175.5438% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 1,258 |
| Noncurrent loans to loans | 1.2217% | 1,304 |
| Net loans and leases to total assets | 82.0024% | 649 |
| Net loans and leases to deposits | 109.5948% | 262 |
| Net loans and leases to core deposits | 125.7395% | 401 |
| Total domestic deposits to total assets | 74.8232% | 4,888 |
| Equity capital to assets | 11.6864% | 2,106 |
| Core capital (leverage) ratio | 11.8113% | 1,863 |
| Tier 1 risk-based capital ratio | 11.9709% | 4,441 |
| Total risk-based capital ratio | 13.2286% | 4,330 |
| Memoranda: | ||
| Average total assets | $1,286,763,200 | 609 |
| Average earning assets | $1,225,034,200 | 587 |
| Average equity | $145,575,200 | 596 |
| Average total loans | $1,061,595,400 | 531 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,008 |
| Cost of funding earning assets | 0.5860% | 2,577 |
| Net interest margin | 4.3787% | 945 |
| Noninterest income to average assets | 0.3782% | 3,613 |
| Noninterest expense to average assets | 2.3534% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5443% | 1,081 |
| Return on assets (ROA) | 1.5443% | 1,081 |
| Pretax return on assets | 2.1877% | 404 |
| Return on Equity (ROE) | 13.7686% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.7686% | 274 |
| Net charge-offs to loans | -0.3028% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5463% | 4,849 |
| Assets per employee ($millions) | 7.5969% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 417 |
| Loan loss allowance to noncurrent loans | 553.0971% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 2,620 |
| Noncurrent loans to loans | 0.3774% | 3,300 |
| Net loans and leases to total assets | 79.1674% | 1,137 |
| Net loans and leases to deposits | 105.7345% | 454 |
| Net loans and leases to core deposits | 123.7856% | 468 |
| Total domestic deposits to total assets | 74.8737% | 4,898 |
| Equity capital to assets | 11.0537% | 2,609 |
| Core capital (leverage) ratio | 11.4614% | 2,204 |
| Tier 1 risk-based capital ratio | 11.8132% | 4,595 |
| Total risk-based capital ratio | 13.0703% | 4,482 |
| Memoranda: | ||
| Average total assets | $1,275,063,250 | 614 |
| Average earning assets | $1,212,190,250 | 595 |
| Average equity | $143,007,500 | 604 |
| Average total loans | $1,047,614,250 | 535 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 862 |
| Cost of funding earning assets | 0.5318% | 2,752 |
| Net interest margin | 4.4466% | 772 |
| Noninterest income to average assets | 0.3805% | 3,619 |
| Noninterest expense to average assets | 2.3628% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5877% | 939 |
| Return on assets (ROA) | 1.5877% | 946 |
| Pretax return on assets | 2.2342% | 364 |
| Return on Equity (ROE) | 14.0824% | 1,057 |
| Retained earnings to average equity (ytd only) | 14.0824% | 276 |
| Net charge-offs to loans | -0.4628% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1131% | 4,959 |
| Assets per employee ($millions) | 7.7646% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1240% | 426 |
| Loan loss allowance to noncurrent loans | 529.2368% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5536% | 2,573 |
| Noncurrent loans to loans | 0.4013% | 3,250 |
| Net loans and leases to total assets | 79.6611% | 1,070 |
| Net loans and leases to deposits | 108.7967% | 319 |
| Net loans and leases to core deposits | 123.7592% | 466 |
| Total domestic deposits to total assets | 73.2201% | 5,104 |
| Equity capital to assets | 10.9678% | 2,667 |
| Core capital (leverage) ratio | 11.5770% | 2,005 |
| Tier 1 risk-based capital ratio | 11.8585% | 4,580 |
| Total risk-based capital ratio | 13.1166% | 4,460 |
| Memoranda: | ||
| Average total assets | $1,246,803,330 | 631 |
| Average earning assets | $1,182,295,000 | 606 |
| Average equity | $140,572,330 | 610 |
| Average total loans | $1,030,319,000 | 542 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 1,070 |
| Cost of funding earning assets | 0.4392% | 3,296 |
| Net interest margin | 4.3690% | 820 |
| Noninterest income to average assets | 0.3551% | 3,773 |
| Noninterest expense to average assets | 2.5333% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4252% | 1,268 |
| Return on assets (ROA) | 1.4252% | 1,276 |
| Pretax return on assets | 1.9583% | 636 |
| Return on Equity (ROE) | 12.4538% | 1,422 |
| Retained earnings to average equity (ytd only) | 12.4538% | 605 |
| Net charge-offs to loans | -0.2416% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0904% | 4,566 |
| Assets per employee ($millions) | 7.1432% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 474 |
| Loan loss allowance to noncurrent loans | 1,036.5188% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 3,191 |
| Noncurrent loans to loans | 0.2011% | 4,067 |
| Net loans and leases to total assets | 80.7966% | 822 |
| Net loans and leases to deposits | 105.2118% | 420 |
| Net loans and leases to core deposits | 114.4192% | 786 |
| Total domestic deposits to total assets | 76.7942% | 4,883 |
| Equity capital to assets | 11.3431% | 2,261 |
| Core capital (leverage) ratio | 11.6025% | 1,928 |
| Tier 1 risk-based capital ratio | 12.1519% | 4,459 |
| Total risk-based capital ratio | 13.4098% | 4,353 |
| Memoranda: | ||
| Average total assets | $1,206,328,000 | 648 |
| Average earning assets | $1,142,150,500 | 633 |
| Average equity | $138,046,000 | 624 |
| Average total loans | $1,005,150,500 | 559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 448 |
| Cost of funding earning assets | 0.2640% | 4,450 |
| Net interest margin | 4.9339% | 265 |
| Noninterest income to average assets | 0.1531% | 5,193 |
| Noninterest expense to average assets | 2.7864% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2341% | 1,413 |
| Return on assets (ROA) | 1.1955% | 1,562 |
| Pretax return on assets | 1.9728% | 521 |
| Return on Equity (ROE) | 9.8812% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.8812% | 369 |
| Net charge-offs to loans | -0.3206% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4476% | 4,594 |
| Assets per employee ($millions) | 6.8824% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 447 |
| Loan loss allowance to noncurrent loans | 945.2890% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 3,096 |
| Noncurrent loans to loans | 0.2218% | 4,021 |
| Net loans and leases to total assets | 82.4051% | 625 |
| Net loans and leases to deposits | 112.6222% | 199 |
| Net loans and leases to core deposits | 123.0367% | 494 |
| Total domestic deposits to total assets | 73.1695% | 5,244 |
| Equity capital to assets | 11.5489% | 2,160 |
| Core capital (leverage) ratio | 12.5926% | 1,311 |
| Tier 1 risk-based capital ratio | 12.1431% | 4,436 |
| Total risk-based capital ratio | 13.4010% | 4,325 |
| Memoranda: | ||
| Average total assets | $1,077,777,800 | 688 |
| Average earning assets | $1,019,340,800 | 669 |
| Average equity | $130,399,200 | 634 |
| Average total loans | $925,191,400 | 574 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 357 |
| Cost of funding earning assets | 0.2458% | 4,601 |
| Net interest margin | 5.0355% | 210 |
| Noninterest income to average assets | 0.4643% | 3,251 |
| Noninterest expense to average assets | 2.7118% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5212% | 858 |
| Return on assets (ROA) | 1.4830% | 946 |
| Pretax return on assets | 2.4529% | 226 |
| Return on Equity (ROE) | 12.1033% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.1033% | 287 |
| Net charge-offs to loans | -0.3106% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5572% | 5,138 |
| Assets per employee ($millions) | 6.4841% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 431 |
| Loan loss allowance to noncurrent loans | 683.1173% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 2,877 |
| Noncurrent loans to loans | 0.3176% | 3,811 |
| Net loans and leases to total assets | 83.3963% | 499 |
| Net loans and leases to deposits | 110.0021% | 271 |
| Net loans and leases to core deposits | 116.6159% | 725 |
| Total domestic deposits to total assets | 75.8134% | 5,041 |
| Equity capital to assets | 12.4857% | 1,664 |
| Core capital (leverage) ratio | 13.3909% | 1,062 |
| Tier 1 risk-based capital ratio | 13.0465% | 3,978 |
| Total risk-based capital ratio | 14.3054% | 3,882 |
| Memoranda: | ||
| Average total assets | $1,053,001,750 | 708 |
| Average earning assets | $995,417,750 | 687 |
| Average equity | $129,019,750 | 641 |
| Average total loans | $908,844,500 | 584 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 263 |
| Cost of funding earning assets | 0.2433% | 4,607 |
| Net interest margin | 5.1995% | 165 |
| Noninterest income to average assets | 0.4493% | 3,355 |
| Noninterest expense to average assets | 2.7180% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6099% | 688 |
| Return on assets (ROA) | 1.5537% | 805 |
| Pretax return on assets | 2.5650% | 191 |
| Return on Equity (ROE) | 12.7647% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.7647% | 262 |
| Net charge-offs to loans | -0.4225% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2606% | 5,292 |
| Assets per employee ($millions) | 6.1756% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 411 |
| Loan loss allowance to noncurrent loans | 572.8452% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,650 |
| Noncurrent loans to loans | 0.3901% | 3,625 |
| Net loans and leases to total assets | 82.8151% | 573 |
| Net loans and leases to deposits | 106.9519% | 358 |
| Net loans and leases to core deposits | 113.8890% | 805 |
| Total domestic deposits to total assets | 77.4321% | 4,898 |
| Equity capital to assets | 12.4724% | 1,637 |
| Core capital (leverage) ratio | 12.9455% | 1,195 |
| Tier 1 risk-based capital ratio | 13.0067% | 3,991 |
| Total risk-based capital ratio | 14.2661% | 3,900 |
| Memoranda: | ||
| Average total assets | $1,043,056,000 | 719 |
| Average earning assets | $987,282,670 | 693 |
| Average equity | $126,959,670 | 656 |
| Average total loans | $904,100,330 | 591 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 242 |
| Cost of funding earning assets | 0.2365% | 4,668 |
| Net interest margin | 5.2359% | 150 |
| Noninterest income to average assets | 0.1489% | 5,372 |
| Noninterest expense to average assets | 2.6793% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4786% | 853 |
| Return on assets (ROA) | 1.4397% | 940 |
| Pretax return on assets | 2.3823% | 262 |
| Return on Equity (ROE) | 11.9774% | 1,243 |
| Retained earnings to average equity (ytd only) | 11.9774% | 471 |
| Net charge-offs to loans | -0.3348% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9303% | 5,270 |
| Assets per employee ($millions) | 7.0555% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 590 |
| Loan loss allowance to noncurrent loans | 521.1129% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 2,722 |
| Noncurrent loans to loans | 0.3965% | 3,677 |
| Net loans and leases to total assets | 83.8849% | 378 |
| Net loans and leases to deposits | 107.9428% | 263 |
| Net loans and leases to core deposits | 113.3707% | 709 |
| Total domestic deposits to total assets | 77.7124% | 5,007 |
| Equity capital to assets | 11.6765% | 2,059 |
| Core capital (leverage) ratio | 12.3001% | 1,448 |
| Tier 1 risk-based capital ratio | 12.2867% | 4,514 |
| Total risk-based capital ratio | 13.5446% | 4,416 |
| Memoranda: | ||
| Average total assets | $1,039,659,500 | 723 |
| Average earning assets | $987,568,500 | 695 |
| Average equity | $124,969,000 | 661 |
| Average total loans | $911,498,000 | 589 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5269% | 241 |
| Cost of funding earning assets | 0.2055% | 4,962 |
| Net interest margin | 5.3214% | 147 |
| Noninterest income to average assets | 0.3459% | 4,263 |
| Noninterest expense to average assets | 2.8507% | 2,842 |
| Loan and lease loss provision to assets | 0.4595% | 308 |
| Net operating income to assets | 1.2513% | 1,356 |
| Return on assets (ROA) | 1.3430% | 1,170 |
| Pretax return on assets | 2.2017% | 322 |
| Return on Equity (ROE) | 11.2459% | 1,488 |
| Retained earnings to average equity (ytd only) | 11.2459% | 285 |
| Net charge-offs to loans | -0.2141% | 5,755 |
| Credit loss provision to net charge-offs | -249.3428% | 5,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6732% | 5,334 |
| Assets per employee ($millions) | 6.5348% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0647% | 582 |
| Loan loss allowance to noncurrent loans | 639.8068% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 2,846 |
| Noncurrent loans to loans | 0.3227% | 3,990 |
| Net loans and leases to total assets | 87.9966% | 124 |
| Net loans and leases to deposits | 111.3150% | 197 |
| Net loans and leases to core deposits | 122.4818% | 414 |
| Total domestic deposits to total assets | 79.0519% | 4,783 |
| Equity capital to assets | 12.3913% | 1,583 |
| Core capital (leverage) ratio | 11.9614% | 1,625 |
| Tier 1 risk-based capital ratio | 12.3256% | 4,489 |
| Total risk-based capital ratio | 13.5833% | 4,373 |
| Memoranda: | ||
| Average total assets | $990,841,200 | 732 |
| Average earning assets | $935,227,600 | 708 |
| Average equity | $118,327,400 | 672 |
| Average total loans | $853,055,600 | 594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4029% | 292 |
| Cost of funding earning assets | 0.1981% | 5,089 |
| Net interest margin | 5.2048% | 169 |
| Noninterest income to average assets | 0.3320% | 4,415 |
| Noninterest expense to average assets | 2.9308% | 2,540 |
| Loan and lease loss provision to assets | 0.3172% | 527 |
| Net operating income to assets | 1.2045% | 1,632 |
| Return on assets (ROA) | 1.3276% | 1,302 |
| Pretax return on assets | 2.1780% | 406 |
| Return on Equity (ROE) | 11.2240% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.2240% | 400 |
| Net charge-offs to loans | -0.2192% | 5,785 |
| Credit loss provision to net charge-offs | -169.9422% | 4,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5599% | 5,102 |
| Assets per employee ($millions) | 6.4659% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 930 |
| Loan loss allowance to noncurrent loans | 489.0048% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,919 |
| Noncurrent loans to loans | 0.3778% | 3,911 |
| Net loans and leases to total assets | 82.7220% | 542 |
| Net loans and leases to deposits | 102.6936% | 527 |
| Net loans and leases to core deposits | 114.8748% | 693 |
| Total domestic deposits to total assets | 80.5523% | 4,373 |
| Equity capital to assets | 11.5680% | 2,459 |
| Core capital (leverage) ratio | 11.9534% | 1,708 |
| Tier 1 risk-based capital ratio | 12.2881% | 4,618 |
| Total risk-based capital ratio | 13.5439% | 4,514 |
| Memoranda: | ||
| Average total assets | $988,595,750 | 735 |
| Average earning assets | $930,987,250 | 707 |
| Average equity | $116,936,500 | 683 |
| Average total loans | $841,730,000 | 594 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 323 |
| Cost of funding earning assets | 0.1962% | 5,185 |
| Net interest margin | 5.1614% | 182 |
| Noninterest income to average assets | 0.3331% | 4,400 |
| Noninterest expense to average assets | 3.0544% | 2,196 |
| Loan and lease loss provision to assets | 0.3800% | 409 |
| Net operating income to assets | 1.0595% | 2,127 |
| Return on assets (ROA) | 1.2315% | 1,592 |
| Pretax return on assets | 2.0223% | 549 |
| Return on Equity (ROE) | 10.3283% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.3283% | 539 |
| Net charge-offs to loans | 0.0155% | 3,218 |
| Credit loss provision to net charge-offs | 2,870.3125% | 158 |
| Earnings coverage of net charge-offs (x) | 161.1563% | 392 |
| Efficiency ratio | 58.5271% | 4,833 |
| Assets per employee ($millions) | 6.3952% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,300 |
| Loan loss allowance to noncurrent loans | 157.4001% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 1,605 |
| Noncurrent loans to loans | 1.0715% | 2,147 |
| Net loans and leases to total assets | 85.7113% | 274 |
| Net loans and leases to deposits | 111.4565% | 219 |
| Net loans and leases to core deposits | 120.2740% | 508 |
| Total domestic deposits to total assets | 76.9011% | 5,173 |
| Equity capital to assets | 11.7277% | 2,331 |
| Core capital (leverage) ratio | 11.9678% | 1,645 |
| Tier 1 risk-based capital ratio | 11.8332% | 4,950 |
| Total risk-based capital ratio | 13.0868% | 4,830 |
| Memoranda: | ||
| Average total assets | $966,815,330 | 753 |
| Average earning assets | $909,405,000 | 731 |
| Average equity | $115,275,670 | 692 |
| Average total loans | $826,223,670 | 601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 325 |
| Cost of funding earning assets | 0.1938% | 5,258 |
| Net interest margin | 5.1530% | 188 |
| Noninterest income to average assets | 0.2150% | 5,201 |
| Noninterest expense to average assets | 3.2618% | 1,688 |
| Loan and lease loss provision to assets | 0.1731% | 1,181 |
| Net operating income to assets | 0.9784% | 2,377 |
| Return on assets (ROA) | 1.1894% | 1,688 |
| Pretax return on assets | 1.9488% | 629 |
| Return on Equity (ROE) | 9.8889% | 2,034 |
| Retained earnings to average equity (ytd only) | 9.8889% | 873 |
| Net charge-offs to loans | -0.1077% | 5,667 |
| Credit loss provision to net charge-offs | -190.2326% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0369% | 4,121 |
| Assets per employee ($millions) | 5.8380% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 1,168 |
| Loan loss allowance to noncurrent loans | 103.0531% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 872 |
| Noncurrent loans to loans | 1.7391% | 1,285 |
| Net loans and leases to total assets | 83.7760% | 390 |
| Net loans and leases to deposits | 103.1919% | 452 |
| Net loans and leases to core deposits | 105.7430% | 1,091 |
| Total domestic deposits to total assets | 81.1847% | 4,432 |
| Equity capital to assets | 12.1143% | 1,947 |
| Core capital (leverage) ratio | 12.4461% | 1,355 |
| Tier 1 risk-based capital ratio | 12.6527% | 4,485 |
| Total risk-based capital ratio | 13.9077% | 4,390 |
| Memoranda: | ||
| Average total assets | $945,005,500 | 767 |
| Average earning assets | $887,414,000 | 748 |
| Average equity | $113,663,000 | 702 |
| Average total loans | $798,878,500 | 622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7839% | 177 |
| Cost of funding earning assets | 0.2726% | 4,556 |
| Net interest margin | 5.5113% | 117 |
| Noninterest income to average assets | 0.3805% | 4,182 |
| Noninterest expense to average assets | 3.5893% | 1,145 |
| Loan and lease loss provision to assets | 0.1269% | 1,905 |
| Net operating income to assets | 1.0956% | 1,948 |
| Return on assets (ROA) | 1.1242% | 1,887 |
| Pretax return on assets | 1.8683% | 696 |
| Return on Equity (ROE) | 9.0072% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.0072% | 651 |
| Net charge-offs to loans | 0.3400% | 873 |
| Credit loss provision to net charge-offs | 45.3953% | 3,467 |
| Earnings coverage of net charge-offs (x) | 6.9772% | 3,139 |
| Efficiency ratio | 64.7898% | 4,116 |
| Assets per employee ($millions) | 5.4878% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 1,188 |
| Loan loss allowance to noncurrent loans | 92.6475% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.1570% | 791 |
| Noncurrent loans to loans | 1.9121% | 1,116 |
| Net loans and leases to total assets | 82.2745% | 569 |
| Net loans and leases to deposits | 98.0824% | 807 |
| Net loans and leases to core deposits | 100.4278% | 1,476 |
| Total domestic deposits to total assets | 83.8830% | 3,532 |
| Equity capital to assets | 11.9400% | 2,003 |
| Core capital (leverage) ratio | 12.1064% | 1,552 |
| Tier 1 risk-based capital ratio | 12.6267% | 4,557 |
| Total risk-based capital ratio | 13.8813% | 4,444 |
| Memoranda: | ||
| Average total assets | $877,784,400 | 784 |
| Average earning assets | $821,726,200 | 760 |
| Average equity | $109,556,400 | 698 |
| Average total loans | $721,762,000 | 644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8930% | 152 |
| Cost of funding earning assets | 0.2797% | 4,562 |
| Net interest margin | 5.6132% | 103 |
| Noninterest income to average assets | 0.4363% | 3,825 |
| Noninterest expense to average assets | 3.7056% | 966 |
| Loan and lease loss provision to assets | 0.0713% | 2,753 |
| Net operating income to assets | 1.1493% | 1,832 |
| Return on assets (ROA) | 1.1798% | 1,787 |
| Pretax return on assets | 1.9609% | 644 |
| Return on Equity (ROE) | 9.3424% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.3424% | 779 |
| Net charge-offs to loans | 0.2569% | 1,022 |
| Credit loss provision to net charge-offs | 33.8971% | 3,236 |
| Earnings coverage of net charge-offs (x) | 9.4412% | 2,698 |
| Efficiency ratio | 65.1229% | 4,044 |
| Assets per employee ($millions) | 5.0888% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 1,187 |
| Loan loss allowance to noncurrent loans | 74.0034% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.5914% | 647 |
| Noncurrent loans to loans | 2.4885% | 821 |
| Net loans and leases to total assets | 78.9797% | 958 |
| Net loans and leases to deposits | 90.8912% | 1,540 |
| Net loans and leases to core deposits | 92.6698% | 2,201 |
| Total domestic deposits to total assets | 86.8948% | 2,099 |
| Equity capital to assets | 12.4390% | 1,777 |
| Core capital (leverage) ratio | 12.5314% | 1,401 |
| Tier 1 risk-based capital ratio | 13.6871% | 4,033 |
| Total risk-based capital ratio | 14.9425% | 3,963 |
| Memoranda: | ||
| Average total assets | $862,627,000 | 805 |
| Average earning assets | $807,407,250 | 778 |
| Average equity | $108,933,750 | 707 |
| Average total loans | $705,702,750 | 659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0706% | 122 |
| Cost of funding earning assets | 0.2677% | 4,743 |
| Net interest margin | 5.8029% | 84 |
| Noninterest income to average assets | 0.3230% | 4,637 |
| Noninterest expense to average assets | 3.7742% | 901 |
| Loan and lease loss provision to assets | 0.1344% | 1,633 |
| Net operating income to assets | 1.1094% | 1,910 |
| Return on assets (ROA) | 1.1485% | 1,854 |
| Pretax return on assets | 1.9037% | 727 |
| Return on Equity (ROE) | 9.0466% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.0466% | 908 |
| Net charge-offs to loans | 0.2269% | 1,129 |
| Credit loss provision to net charge-offs | 71.9697% | 2,437 |
| Earnings coverage of net charge-offs (x) | 10.5871% | 2,353 |
| Efficiency ratio | 65.6240% | 4,081 |
| Assets per employee ($millions) | 4.8330% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1558% | 784 |
| Loan loss allowance to noncurrent loans | 75.5007% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.1956% | 486 |
| Noncurrent loans to loans | 2.8553% | 716 |
| Net loans and leases to total assets | 79.8080% | 823 |
| Net loans and leases to deposits | 93.5032% | 1,200 |
| Net loans and leases to core deposits | 95.4533% | 1,851 |
| Total domestic deposits to total assets | 85.3533% | 2,988 |
| Equity capital to assets | 12.8403% | 1,469 |
| Core capital (leverage) ratio | 12.9011% | 1,210 |
| Tier 1 risk-based capital ratio | 13.3136% | 4,339 |
| Total risk-based capital ratio | 14.5716% | 4,262 |
| Memoranda: | ||
| Average total assets | $848,231,670 | 821 |
| Average earning assets | $793,468,670 | 797 |
| Average equity | $107,687,000 | 722 |
| Average total loans | $697,993,670 | 668 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9499% | 135 |
| Cost of funding earning assets | 0.2534% | 4,987 |
| Net interest margin | 5.6965% | 92 |
| Noninterest income to average assets | 0.3481% | 4,414 |
| Noninterest expense to average assets | 3.7815% | 899 |
| Loan and lease loss provision to assets | 0.1937% | 964 |
| Net operating income to assets | 1.0212% | 2,159 |
| Return on assets (ROA) | 1.1006% | 1,977 |
| Pretax return on assets | 1.8195% | 839 |
| Return on Equity (ROE) | 8.7196% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.7196% | 1,302 |
| Net charge-offs to loans | 0.3226% | 747 |
| Credit loss provision to net charge-offs | 72.6465% | 1,892 |
| Earnings coverage of net charge-offs (x) | 7.0853% | 2,210 |
| Efficiency ratio | 66.6862% | 4,035 |
| Assets per employee ($millions) | 4.8121% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 859 |
| Loan loss allowance to noncurrent loans | 65.3773% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.6190% | 448 |
| Noncurrent loans to loans | 3.2811% | 619 |
| Net loans and leases to total assets | 80.9257% | 582 |
| Net loans and leases to deposits | 99.0351% | 621 |
| Net loans and leases to core deposits | 101.0316% | 1,255 |
| Total domestic deposits to total assets | 81.7142% | 4,599 |
| Equity capital to assets | 12.6628% | 1,590 |
| Core capital (leverage) ratio | 12.7990% | 1,235 |
| Tier 1 risk-based capital ratio | 13.0129% | 4,596 |
| Total risk-based capital ratio | 14.2718% | 4,507 |
| Memoranda: | ||
| Average total assets | $844,631,000 | 829 |
| Average earning assets | $789,189,500 | 809 |
| Average equity | $106,610,500 | 725 |
| Average total loans | $698,117,500 | 663 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 175 |
| Cost of funding earning assets | 0.2455% | 5,372 |
| Net interest margin | 5.6632% | 105 |
| Noninterest income to average assets | 0.4131% | 4,088 |
| Noninterest expense to average assets | 3.9564% | 798 |
| Loan and lease loss provision to assets | 0.0895% | 2,678 |
| Net operating income to assets | 0.9983% | 2,387 |
| Return on assets (ROA) | 1.0063% | 2,436 |
| Pretax return on assets | 1.6521% | 1,092 |
| Return on Equity (ROE) | 7.9532% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.9532% | 1,037 |
| Net charge-offs to loans | 0.4076% | 1,051 |
| Credit loss provision to net charge-offs | 27.1893% | 3,884 |
| Earnings coverage of net charge-offs (x) | 5.2505% | 3,471 |
| Efficiency ratio | 69.5869% | 3,611 |
| Assets per employee ($millions) | 4.7317% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2063% | 816 |
| Loan loss allowance to noncurrent loans | 64.4976% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.8743% | 443 |
| Noncurrent loans to loans | 3.4207% | 611 |
| Net loans and leases to total assets | 80.7841% | 640 |
| Net loans and leases to deposits | 96.8175% | 845 |
| Net loans and leases to core deposits | 98.7257% | 1,489 |
| Total domestic deposits to total assets | 83.4396% | 3,935 |
| Equity capital to assets | 12.5808% | 1,592 |
| Core capital (leverage) ratio | 12.5403% | 1,338 |
| Tier 1 risk-based capital ratio | 12.8344% | 4,835 |
| Total risk-based capital ratio | 14.0928% | 4,739 |
| Memoranda: | ||
| Average total assets | $794,036,800 | 852 |
| Average earning assets | $739,245,400 | 829 |
| Average equity | $100,462,200 | 732 |
| Average total loans | $641,518,000 | 679 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 148 |
| Cost of funding earning assets | 0.2254% | 5,626 |
| Net interest margin | 5.8278% | 92 |
| Noninterest income to average assets | 0.4001% | 4,241 |
| Noninterest expense to average assets | 3.8598% | 899 |
| Loan and lease loss provision to assets | 0.1839% | 1,331 |
| Net operating income to assets | 1.0673% | 2,164 |
| Return on assets (ROA) | 1.0717% | 2,215 |
| Pretax return on assets | 1.7871% | 916 |
| Return on Equity (ROE) | 8.4577% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.4577% | 1,167 |
| Net charge-offs to loans | 0.4286% | 928 |
| Credit loss provision to net charge-offs | 53.4125% | 3,052 |
| Earnings coverage of net charge-offs (x) | 5.7057% | 3,211 |
| Efficiency ratio | 66.2750% | 4,176 |
| Assets per employee ($millions) | 4.7151% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 744 |
| Loan loss allowance to noncurrent loans | 66.0211% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 4.0680% | 473 |
| Noncurrent loans to loans | 3.6285% | 643 |
| Net loans and leases to total assets | 79.6647% | 747 |
| Net loans and leases to deposits | 99.2294% | 657 |
| Net loans and leases to core deposits | 101.1893% | 1,276 |
| Total domestic deposits to total assets | 80.2834% | 5,021 |
| Equity capital to assets | 12.4355% | 1,746 |
| Core capital (leverage) ratio | 12.6077% | 1,346 |
| Tier 1 risk-based capital ratio | 13.0366% | 4,845 |
| Total risk-based capital ratio | 14.2977% | 4,761 |
| Memoranda: | ||
| Average total assets | $783,167,250 | 864 |
| Average earning assets | $728,873,500 | 846 |
| Average equity | $99,236,250 | 740 |
| Average total loans | $628,936,750 | 690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9862% | 153 |
| Cost of funding earning assets | 0.2242% | 5,709 |
| Net interest margin | 5.7620% | 97 |
| Noninterest income to average assets | 0.4385% | 3,963 |
| Noninterest expense to average assets | 3.9161% | 838 |
| Loan and lease loss provision to assets | 0.1303% | 1,895 |
| Net operating income to assets | 1.0637% | 2,061 |
| Return on assets (ROA) | 1.0732% | 2,108 |
| Pretax return on assets | 1.7642% | 908 |
| Return on Equity (ROE) | 8.4134% | 2,890 |
| Retained earnings to average equity (ytd only) | 8.4134% | 1,170 |
| Net charge-offs to loans | 0.4475% | 911 |
| Credit loss provision to net charge-offs | 36.4697% | 2,970 |
| Earnings coverage of net charge-offs (x) | 5.2619% | 2,959 |
| Efficiency ratio | 67.5688% | 4,092 |
| Assets per employee ($millions) | 4.2801% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4797% | 735 |
| Loan loss allowance to noncurrent loans | 62.3713% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.3499% | 452 |
| Noncurrent loans to loans | 3.9758% | 600 |
| Net loans and leases to total assets | 78.3994% | 859 |
| Net loans and leases to deposits | 98.9051% | 611 |
| Net loans and leases to core deposits | 100.9913% | 1,206 |
| Total domestic deposits to total assets | 79.2673% | 5,398 |
| Equity capital to assets | 12.3237% | 1,761 |
| Core capital (leverage) ratio | 12.0980% | 1,607 |
| Tier 1 risk-based capital ratio | 13.0420% | 4,880 |
| Total risk-based capital ratio | 14.3041% | 4,806 |
| Memoranda: | ||
| Average total assets | $767,601,670 | 883 |
| Average earning assets | $713,672,000 | 861 |
| Average equity | $97,915,670 | 747 |
| Average total loans | $612,804,000 | 708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2315% | 111 |
| Cost of funding earning assets | 0.2283% | 5,765 |
| Net interest margin | 6.0031% | 82 |
| Noninterest income to average assets | 0.5456% | 3,081 |
| Noninterest expense to average assets | 4.2518% | 573 |
| Loan and lease loss provision to assets | 0.2122% | 1,084 |
| Net operating income to assets | 1.0177% | 2,138 |
| Return on assets (ROA) | 1.0374% | 2,130 |
| Pretax return on assets | 1.6912% | 993 |
| Return on Equity (ROE) | 7.9833% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.9833% | 1,600 |
| Net charge-offs to loans | 0.3447% | 1,037 |
| Credit loss provision to net charge-offs | 77.4067% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.8310% | 2,185 |
| Efficiency ratio | 69.4222% | 3,929 |
| Assets per employee ($millions) | 5.6872% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6230% | 696 |
| Loan loss allowance to noncurrent loans | 71.0867% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 4.1932% | 544 |
| Noncurrent loans to loans | 3.6899% | 763 |
| Net loans and leases to total assets | 78.3917% | 721 |
| Net loans and leases to deposits | 100.3203% | 422 |
| Net loans and leases to core deposits | 102.2524% | 970 |
| Total domestic deposits to total assets | 78.1414% | 5,815 |
| Equity capital to assets | 12.1213% | 1,791 |
| Core capital (leverage) ratio | 12.1977% | 1,536 |
| Tier 1 risk-based capital ratio | 13.2964% | 4,828 |
| Total risk-based capital ratio | 14.5609% | 4,746 |
| Memoranda: | ||
| Average total assets | $742,657,500 | 921 |
| Average earning assets | $690,172,000 | 893 |
| Average equity | $96,501,000 | 757 |
| Average total loans | $590,604,000 | 739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0610% | 157 |
| Cost of funding earning assets | 0.2172% | 6,199 |
| Net interest margin | 5.8439% | 93 |
| Noninterest income to average assets | 1.5460% | 598 |
| Noninterest expense to average assets | 3.9103% | 976 |
| Loan and lease loss provision to assets | 0.1394% | 2,563 |
| Net operating income to assets | 1.7615% | 519 |
| Return on assets (ROA) | 1.7736% | 525 |
| Pretax return on assets | 2.9560% | 128 |
| Return on Equity (ROE) | 12.9739% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.9739% | 245 |
| Net charge-offs to loans | -0.1697% | 6,592 |
| Credit loss provision to net charge-offs | -104.0179% | 5,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9672% | 5,949 |
| Assets per employee ($millions) | 4.7728% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2326% | 358 |
| Loan loss allowance to noncurrent loans | 72.9126% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 4.5860% | 539 |
| Noncurrent loans to loans | 4.4336% | 607 |
| Net loans and leases to total assets | 75.8278% | 1,101 |
| Net loans and leases to deposits | 96.6167% | 694 |
| Net loans and leases to core deposits | 98.7504% | 1,254 |
| Total domestic deposits to total assets | 78.4831% | 5,743 |
| Equity capital to assets | 14.0339% | 888 |
| Core capital (leverage) ratio | 14.2341% | 762 |
| Tier 1 risk-based capital ratio | 16.1468% | 3,036 |
| Total risk-based capital ratio | 17.4180% | 2,977 |
| Memoranda: | ||
| Average total assets | $668,713,200 | 994 |
| Average earning assets | $622,599,400 | 978 |
| Average equity | $91,414,400 | 771 |
| Average total loans | $527,866,200 | 805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1472% | 140 |
| Cost of funding earning assets | 0.2248% | 6,265 |
| Net interest margin | 5.9223% | 89 |
| Noninterest income to average assets | 1.9790% | 427 |
| Noninterest expense to average assets | 3.8219% | 1,054 |
| Loan and lease loss provision to assets | 0.3489% | 920 |
| Net operating income to assets | 1.9842% | 369 |
| Return on assets (ROA) | 2.0004% | 372 |
| Pretax return on assets | 3.3452% | 104 |
| Return on Equity (ROE) | 14.7328% | 851 |
| Retained earnings to average equity (ytd only) | 14.7328% | 217 |
| Net charge-offs to loans | -0.1872% | 6,639 |
| Credit loss provision to net charge-offs | -235.6757% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0216% | 6,331 |
| Assets per employee ($millions) | 4.9475% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3557% | 389 |
| Loan loss allowance to noncurrent loans | 75.7372% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 4.6720% | 624 |
| Noncurrent loans to loans | 4.4307% | 746 |
| Net loans and leases to total assets | 76.2907% | 971 |
| Net loans and leases to deposits | 94.4683% | 801 |
| Net loans and leases to core deposits | 96.4997% | 1,352 |
| Total domestic deposits to total assets | 80.7580% | 5,285 |
| Equity capital to assets | 13.9527% | 974 |
| Core capital (leverage) ratio | 13.7044% | 951 |
| Tier 1 risk-based capital ratio | 15.5650% | 3,440 |
| Total risk-based capital ratio | 16.8367% | 3,378 |
| Memoranda: | ||
| Average total assets | $666,457,000 | 1,006 |
| Average earning assets | $620,259,500 | 991 |
| Average equity | $90,489,750 | 785 |
| Average total loans | $527,062,250 | 802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2973% | 120 |
| Cost of funding earning assets | 0.2409% | 6,235 |
| Net interest margin | 6.0564% | 77 |
| Noninterest income to average assets | 2.5247% | 314 |
| Noninterest expense to average assets | 4.0414% | 827 |
| Loan and lease loss provision to assets | 0.3263% | 1,060 |
| Net operating income to assets | 2.2621% | 232 |
| Return on assets (ROA) | 2.2859% | 236 |
| Pretax return on assets | 3.8331% | 92 |
| Return on Equity (ROE) | 16.9944% | 557 |
| Retained earnings to average equity (ytd only) | 16.9944% | 157 |
| Net charge-offs to loans | 0.1598% | 2,826 |
| Credit loss provision to net charge-offs | 258.0952% | 971 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,084 |
| Efficiency ratio | 49.5058% | 6,458 |
| Assets per employee ($millions) | 4.8215% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9577% | 610 |
| Loan loss allowance to noncurrent loans | 62.7313% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 5.2105% | 574 |
| Noncurrent loans to loans | 4.7149% | 718 |
| Net loans and leases to total assets | 77.2387% | 835 |
| Net loans and leases to deposits | 97.0775% | 601 |
| Net loans and leases to core deposits | 98.6062% | 1,166 |
| Total domestic deposits to total assets | 79.5640% | 5,702 |
| Equity capital to assets | 13.6220% | 1,081 |
| Core capital (leverage) ratio | 13.7523% | 899 |
| Tier 1 risk-based capital ratio | 15.1503% | 3,678 |
| Total risk-based capital ratio | 16.4182% | 3,636 |
| Memoranda: | ||
| Average total assets | $664,320,670 | 1,007 |
| Average earning assets | $618,519,670 | 996 |
| Average equity | $89,358,670 | 792 |
| Average total loans | $525,697,000 | 797 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 209 |
| Cost of funding earning assets | 0.2745% | 6,134 |
| Net interest margin | 5.5899% | 110 |
| Noninterest income to average assets | 4.5351% | 167 |
| Noninterest expense to average assets | 4.2713% | 649 |
| Loan and lease loss provision to assets | 0.4319% | 683 |
| Net operating income to assets | 2.9804% | 108 |
| Return on assets (ROA) | 2.9804% | 115 |
| Pretax return on assets | 5.0298% | 62 |
| Return on Equity (ROE) | 22.3037% | 185 |
| Retained earnings to average equity (ytd only) | 22.3037% | 92 |
| Net charge-offs to loans | 0.4170% | 1,409 |
| Credit loss provision to net charge-offs | 131.2963% | 1,507 |
| Earnings coverage of net charge-offs (x) | 16.6019% | 1,361 |
| Efficiency ratio | 43.8846% | 6,779 |
| Assets per employee ($millions) | 4.5396% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8207% | 805 |
| Loan loss allowance to noncurrent loans | 61.3683% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 5.6337% | 604 |
| Noncurrent loans to loans | 4.5963% | 892 |
| Net loans and leases to total assets | 77.9475% | 614 |
| Net loans and leases to deposits | 90.5021% | 918 |
| Net loans and leases to core deposits | 91.6086% | 1,542 |
| Total domestic deposits to total assets | 86.1278% | 3,459 |
| Equity capital to assets | 13.1474% | 1,359 |
| Core capital (leverage) ratio | 12.6841% | 1,257 |
| Tier 1 risk-based capital ratio | 14.3025% | 4,283 |
| Total risk-based capital ratio | 15.5684% | 4,247 |
| Memoranda: | ||
| Average total assets | $656,564,500 | 1,033 |
| Average earning assets | $610,528,000 | 1,014 |
| Average equity | $87,734,500 | 818 |
| Average total loans | $517,996,500 | 816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0820% | 71 |
| Cost of funding earning assets | 0.3126% | 6,393 |
| Net interest margin | 6.7695% | 56 |
| Noninterest income to average assets | 0.4019% | 4,595 |
| Noninterest expense to average assets | 4.2686% | 705 |
| Loan and lease loss provision to assets | 1.0776% | 358 |
| Net operating income to assets | 0.8571% | 3,010 |
| Return on assets (ROA) | 1.0082% | 2,519 |
| Pretax return on assets | 1.6806% | 1,182 |
| Return on Equity (ROE) | 7.5591% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.5591% | 1,307 |
| Net charge-offs to loans | 0.0151% | 5,699 |
| Credit loss provision to net charge-offs | 10,134.8485% | 23 |
| Earnings coverage of net charge-offs (x) | 237.2121% | 176 |
| Efficiency ratio | 62.8582% | 5,105 |
| Assets per employee ($millions) | 4.6492% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1553% | 577 |
| Loan loss allowance to noncurrent loans | 121.1499% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 2.6674% | 1,810 |
| Noncurrent loans to loans | 2.6045% | 2,032 |
| Net loans and leases to total assets | 75.0147% | 1,047 |
| Net loans and leases to deposits | 89.4326% | 1,123 |
| Net loans and leases to core deposits | 91.6626% | 1,660 |
| Total domestic deposits to total assets | 83.8785% | 4,368 |
| Equity capital to assets | 13.5977% | 1,193 |
| Core capital (leverage) ratio | 13.4907% | 950 |
| Tier 1 risk-based capital ratio | 15.3373% | 3,520 |
| Total risk-based capital ratio | 16.6067% | 3,465 |
| Memoranda: | ||
| Average total assets | $620,725,000 | 1,066 |
| Average earning assets | $585,822,800 | 1,034 |
| Average equity | $82,787,200 | 848 |
| Average total loans | $438,166,400 | 953 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2194% | 72 |
| Cost of funding earning assets | 0.3172% | 6,528 |
| Net interest margin | 6.9022% | 54 |
| Noninterest income to average assets | 0.3916% | 4,697 |
| Noninterest expense to average assets | 4.0854% | 843 |
| Loan and lease loss provision to assets | 1.0636% | 370 |
| Net operating income to assets | 1.1115% | 2,048 |
| Return on assets (ROA) | 1.0798% | 2,368 |
| Pretax return on assets | 1.7277% | 1,209 |
| Return on Equity (ROE) | 8.1364% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.1364% | 1,560 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9843% | 5,661 |
| Assets per employee ($millions) | 4.6284% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9744% | 735 |
| Loan loss allowance to noncurrent loans | 115.5148% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 2,002 |
| Noncurrent loans to loans | 2.5749% | 2,219 |
| Net loans and leases to total assets | 71.8198% | 1,583 |
| Net loans and leases to deposits | 85.7170% | 1,634 |
| Net loans and leases to core deposits | 86.6071% | 2,388 |
| Total domestic deposits to total assets | 83.7871% | 4,322 |
| Equity capital to assets | 13.6137% | 1,299 |
| Core capital (leverage) ratio | 13.0676% | 1,166 |
| Tier 1 risk-based capital ratio | 15.8069% | 3,371 |
| Total risk-based capital ratio | 17.0745% | 3,328 |
| Memoranda: | ||
| Average total assets | $618,995,750 | 1,076 |
| Average earning assets | $586,036,500 | 1,035 |
| Average equity | $82,147,750 | 855 |
| Average total loans | $426,167,000 | 988 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3831% | 64 |
| Cost of funding earning assets | 0.3150% | 6,669 |
| Net interest margin | 7.0681% | 53 |
| Noninterest income to average assets | 0.4429% | 4,345 |
| Noninterest expense to average assets | 3.9312% | 1,035 |
| Loan and lease loss provision to assets | 1.1161% | 378 |
| Net operating income to assets | 1.2912% | 1,462 |
| Return on assets (ROA) | 1.2910% | 1,613 |
| Pretax return on assets | 2.0844% | 592 |
| Return on Equity (ROE) | 9.8125% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.8125% | 1,025 |
| Net charge-offs to loans | 0.1532% | 3,690 |
| Credit loss provision to net charge-offs | 1,085.5346% | 307 |
| Earnings coverage of net charge-offs (x) | 31.1321% | 1,047 |
| Efficiency ratio | 55.1204% | 6,212 |
| Assets per employee ($millions) | 4.6481% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6864% | 1,052 |
| Loan loss allowance to noncurrent loans | 120.6823% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4259% | 2,305 |
| Noncurrent loans to loans | 2.2260% | 2,694 |
| Net loans and leases to total assets | 67.9112% | 2,299 |
| Net loans and leases to deposits | 80.6997% | 2,276 |
| Net loans and leases to core deposits | 81.6068% | 3,005 |
| Total domestic deposits to total assets | 84.1530% | 4,251 |
| Equity capital to assets | 13.1734% | 1,439 |
| Core capital (leverage) ratio | 13.3910% | 1,018 |
| Tier 1 risk-based capital ratio | 15.8654% | 3,227 |
| Total risk-based capital ratio | 17.1291% | 3,195 |
| Memoranda: | ||
| Average total assets | $618,592,670 | 1,078 |
| Average earning assets | $585,421,000 | 1,029 |
| Average equity | $81,386,000 | 853 |
| Average total loans | $415,194,330 | 1,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7785% | 54 |
| Cost of funding earning assets | 0.3294% | 6,732 |
| Net interest margin | 7.4491% | 46 |
| Noninterest income to average assets | 0.3262% | 5,259 |
| Noninterest expense to average assets | 4.1444% | 792 |
| Loan and lease loss provision to assets | 0.3936% | 1,608 |
| Net operating income to assets | 1.7286% | 683 |
| Return on assets (ROA) | 1.7273% | 763 |
| Pretax return on assets | 2.8244% | 220 |
| Return on Equity (ROE) | 13.1374% | 1,374 |
| Retained earnings to average equity (ytd only) | 13.1374% | 666 |
| Net charge-offs to loans | -0.0438% | 6,486 |
| Credit loss provision to net charge-offs | -1,368.1818% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2766% | 6,094 |
| Assets per employee ($millions) | 4.3431% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3065% | 1,663 |
| Loan loss allowance to noncurrent loans | 109.5600% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 2.3683% | 2,510 |
| Noncurrent loans to loans | 2.1053% | 3,026 |
| Net loans and leases to total assets | 64.7595% | 2,699 |
| Net loans and leases to deposits | 77.2536% | 2,640 |
| Net loans and leases to core deposits | 78.2103% | 3,298 |
| Total domestic deposits to total assets | 83.8271% | 4,575 |
| Equity capital to assets | 13.3480% | 1,294 |
| Core capital (leverage) ratio | 13.0688% | 1,104 |
| Tier 1 risk-based capital ratio | 17.2726% | 2,566 |
| Total risk-based capital ratio | 18.5330% | 2,535 |
| Memoranda: | ||
| Average total assets | $611,820,500 | 1,087 |
| Average earning assets | $578,056,000 | 1,049 |
| Average equity | $80,442,000 | 861 |
| Average total loans | $402,220,000 | 1,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5310% | 67 |
| Cost of funding earning assets | 0.4705% | 6,655 |
| Net interest margin | 7.0605% | 48 |
| Noninterest income to average assets | 0.4175% | 4,475 |
| Noninterest expense to average assets | 4.4797% | 596 |
| Loan and lease loss provision to assets | 0.8889% | 1,086 |
| Net operating income to assets | 1.0549% | 1,984 |
| Return on assets (ROA) | 1.2716% | 1,420 |
| Pretax return on assets | 2.0420% | 487 |
| Return on Equity (ROE) | 10.2114% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.2114% | 519 |
| Net charge-offs to loans | 0.6572% | 2,508 |
| Credit loss provision to net charge-offs | 225.2912% | 1,078 |
| Earnings coverage of net charge-offs (x) | 6.5703% | 2,492 |
| Efficiency ratio | 63.3442% | 5,242 |
| Assets per employee ($millions) | 4.2449% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 1,822 |
| Loan loss allowance to noncurrent loans | 92.6552% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 2.5608% | 2,370 |
| Noncurrent loans to loans | 2.3608% | 2,774 |
| Net loans and leases to total assets | 63.7675% | 3,243 |
| Net loans and leases to deposits | 76.0751% | 3,168 |
| Net loans and leases to core deposits | 77.0446% | 3,821 |
| Total domestic deposits to total assets | 83.8217% | 4,402 |
| Equity capital to assets | 12.9476% | 1,517 |
| Core capital (leverage) ratio | 12.5385% | 1,334 |
| Tier 1 risk-based capital ratio | 16.8793% | 2,654 |
| Total risk-based capital ratio | 18.1382% | 2,617 |
| Memoranda: | ||
| Average total assets | $609,303,800 | 1,074 |
| Average earning assets | $574,265,000 | 1,030 |
| Average equity | $75,875,800 | 886 |
| Average total loans | $365,771,600 | 1,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4148% | 74 |
| Cost of funding earning assets | 0.5071% | 6,668 |
| Net interest margin | 6.9077% | 51 |
| Noninterest income to average assets | 0.3557% | 5,013 |
| Noninterest expense to average assets | 4.4063% | 631 |
| Loan and lease loss provision to assets | 0.7315% | 1,310 |
| Net operating income to assets | 1.0620% | 2,101 |
| Return on assets (ROA) | 1.3504% | 1,351 |
| Pretax return on assets | 2.1751% | 449 |
| Return on Equity (ROE) | 10.9529% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.9529% | 640 |
| Net charge-offs to loans | 0.7744% | 2,014 |
| Credit loss provision to net charge-offs | 160.8089% | 1,915 |
| Earnings coverage of net charge-offs (x) | 5.3996% | 2,797 |
| Efficiency ratio | 64.2094% | 5,033 |
| Assets per employee ($millions) | 4.1539% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 2,925 |
| Loan loss allowance to noncurrent loans | 76.0450% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.6653% | 2,425 |
| Noncurrent loans to loans | 2.3735% | 2,923 |
| Net loans and leases to total assets | 62.0815% | 3,702 |
| Net loans and leases to deposits | 73.4950% | 3,724 |
| Net loans and leases to core deposits | 74.6883% | 4,355 |
| Total domestic deposits to total assets | 84.4704% | 4,026 |
| Equity capital to assets | 12.9768% | 1,625 |
| Core capital (leverage) ratio | 12.6791% | 1,357 |
| Tier 1 risk-based capital ratio | 17.0654% | 2,621 |
| Total risk-based capital ratio | 18.3216% | 2,572 |
| Memoranda: | ||
| Average total assets | $608,814,000 | 1,081 |
| Average earning assets | $573,473,000 | 1,038 |
| Average equity | $75,058,750 | 902 |
| Average total loans | $357,588,500 | 1,199 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2903% | 82 |
| Cost of funding earning assets | 0.5475% | 6,674 |
| Net interest margin | 6.7428% | 62 |
| Noninterest income to average assets | 0.4347% | 4,390 |
| Noninterest expense to average assets | 4.5816% | 546 |
| Loan and lease loss provision to assets | 0.7086% | 1,332 |
| Net operating income to assets | 0.9409% | 2,477 |
| Return on assets (ROA) | 0.9914% | 2,366 |
| Pretax return on assets | 1.5695% | 1,327 |
| Return on Equity (ROE) | 8.1857% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.1857% | 1,389 |
| Net charge-offs to loans | 0.7889% | 1,926 |
| Credit loss provision to net charge-offs | 156.9556% | 1,942 |
| Earnings coverage of net charge-offs (x) | 4.8711% | 2,746 |
| Efficiency ratio | 67.5670% | 4,595 |
| Assets per employee ($millions) | 3.9461% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 3,199 |
| Loan loss allowance to noncurrent loans | 67.2925% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.7892% | 2,400 |
| Noncurrent loans to loans | 2.5810% | 2,800 |
| Net loans and leases to total assets | 61.1870% | 4,048 |
| Net loans and leases to deposits | 71.7852% | 4,146 |
| Net loans and leases to core deposits | 73.2302% | 4,679 |
| Total domestic deposits to total assets | 85.2362% | 3,766 |
| Equity capital to assets | 12.6808% | 1,690 |
| Core capital (leverage) ratio | 12.1548% | 1,528 |
| Tier 1 risk-based capital ratio | 16.3461% | 2,811 |
| Total risk-based capital ratio | 17.5992% | 2,774 |
| Memoranda: | ||
| Average total assets | $608,212,000 | 1,088 |
| Average earning assets | $572,429,670 | 1,049 |
| Average equity | $73,665,330 | 923 |
| Average total loans | $348,101,330 | 1,245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6907% | 162 |
| Cost of funding earning assets | 0.5785% | 6,696 |
| Net interest margin | 6.1121% | 89 |
| Noninterest income to average assets | 0.3305% | 5,258 |
| Noninterest expense to average assets | 4.5538% | 566 |
| Loan and lease loss provision to assets | 0.9458% | 830 |
| Net operating income to assets | 0.3115% | 5,352 |
| Return on assets (ROA) | 0.3161% | 5,404 |
| Pretax return on assets | 0.5793% | 4,762 |
| Return on Equity (ROE) | 2.6715% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.6715% | 4,562 |
| Net charge-offs to loans | 1.2904% | 1,072 |
| Credit loss provision to net charge-offs | 133.8262% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.1479% | 3,232 |
| Efficiency ratio | 75.0000% | 3,333 |
| Assets per employee ($millions) | 4.1477% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 3,121 |
| Loan loss allowance to noncurrent loans | 65.8317% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.6961% | 2,552 |
| Noncurrent loans to loans | 2.6793% | 2,812 |
| Net loans and leases to total assets | 55.4562% | 5,086 |
| Net loans and leases to deposits | 64.4209% | 5,200 |
| Net loans and leases to core deposits | 65.7035% | 5,547 |
| Total domestic deposits to total assets | 86.0843% | 3,477 |
| Equity capital to assets | 11.8943% | 1,983 |
| Core capital (leverage) ratio | 11.6824% | 1,749 |
| Tier 1 risk-based capital ratio | 16.6963% | 2,591 |
| Total risk-based capital ratio | 17.9492% | 2,561 |
| Memoranda: | ||
| Average total assets | $612,412,000 | 1,088 |
| Average earning assets | $575,248,000 | 1,054 |
| Average equity | $72,467,500 | 933 |
| Average total loans | $335,405,000 | 1,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0862% | 133 |
| Cost of funding earning assets | 0.8666% | 6,315 |
| Net interest margin | 6.2196% | 84 |
| Noninterest income to average assets | 0.5959% | 3,501 |
| Noninterest expense to average assets | 3.9887% | 1,175 |
| Loan and lease loss provision to assets | 0.7133% | 2,298 |
| Net operating income to assets | 1.0849% | 1,742 |
| Return on assets (ROA) | 1.2538% | 1,356 |
| Pretax return on assets | 2.0147% | 465 |
| Return on Equity (ROE) | 11.5940% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.5940% | 314 |
| Net charge-offs to loans | 0.8905% | 2,408 |
| Credit loss provision to net charge-offs | 156.7337% | 2,251 |
| Earnings coverage of net charge-offs (x) | 5.4143% | 2,627 |
| Efficiency ratio | 61.8132% | 5,760 |
| Assets per employee ($millions) | 4.3625% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 3,048 |
| Loan loss allowance to noncurrent loans | 64.5727% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.7990% | 2,504 |
| Noncurrent loans to loans | 2.7050% | 2,812 |
| Net loans and leases to total assets | 52.1711% | 5,887 |
| Net loans and leases to deposits | 61.9732% | 5,850 |
| Net loans and leases to core deposits | 63.2060% | 6,127 |
| Total domestic deposits to total assets | 84.1834% | 4,282 |
| Equity capital to assets | 11.7725% | 2,058 |
| Core capital (leverage) ratio | 10.9435% | 2,202 |
| Tier 1 risk-based capital ratio | 16.6018% | 2,494 |
| Total risk-based capital ratio | 17.8537% | 2,465 |
| Memoranda: | ||
| Average total assets | $644,447,800 | 1,037 |
| Average earning assets | $606,870,800 | 998 |
| Average equity | $69,691,400 | 961 |
| Average total loans | $329,363,200 | 1,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9038% | 169 |
| Cost of funding earning assets | 0.9227% | 6,296 |
| Net interest margin | 5.9811% | 93 |
| Noninterest income to average assets | 0.3486% | 5,383 |
| Noninterest expense to average assets | 3.7928% | 1,380 |
| Loan and lease loss provision to assets | 0.1475% | 5,563 |
| Net operating income to assets | 1.2577% | 1,449 |
| Return on assets (ROA) | 1.4690% | 1,055 |
| Pretax return on assets | 2.3780% | 280 |
| Return on Equity (ROE) | 13.8739% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.8739% | 282 |
| Net charge-offs to loans | 0.2226% | 4,608 |
| Credit loss provision to net charge-offs | 130.8530% | 3,087 |
| Earnings coverage of net charge-offs (x) | 19.4773% | 1,209 |
| Efficiency ratio | 63.3382% | 5,373 |
| Assets per employee ($millions) | 4.6722% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 5,082 |
| Loan loss allowance to noncurrent loans | 29.6926% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 3.3803% | 2,106 |
| Noncurrent loans to loans | 4.2937% | 1,694 |
| Net loans and leases to total assets | 50.2116% | 6,304 |
| Net loans and leases to deposits | 58.9370% | 6,384 |
| Net loans and leases to core deposits | 60.0895% | 6,592 |
| Total domestic deposits to total assets | 85.1955% | 3,517 |
| Equity capital to assets | 11.1230% | 2,836 |
| Core capital (leverage) ratio | 10.7275% | 2,489 |
| Tier 1 risk-based capital ratio | 16.6398% | 2,490 |
| Total risk-based capital ratio | 17.7006% | 2,530 |
| Memoranda: | ||
| Average total assets | $651,780,250 | 1,035 |
| Average earning assets | $614,565,250 | 992 |
| Average equity | $69,010,500 | 966 |
| Average total loans | $330,049,250 | 1,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0421% | 148 |
| Cost of funding earning assets | 1.0017% | 6,133 |
| Net interest margin | 6.0404% | 90 |
| Noninterest income to average assets | 0.2942% | 5,790 |
| Noninterest expense to average assets | 3.5200% | 1,985 |
| Loan and lease loss provision to assets | 0.2452% | 4,474 |
| Net operating income to assets | 1.3453% | 1,200 |
| Return on assets (ROA) | 1.6397% | 710 |
| Pretax return on assets | 2.6686% | 181 |
| Return on Equity (ROE) | 15.7503% | 727 |
| Retained earnings to average equity (ytd only) | 15.7503% | 201 |
| Net charge-offs to loans | 0.9407% | 1,956 |
| Credit loss provision to net charge-offs | 51.5464% | 5,385 |
| Earnings coverage of net charge-offs (x) | 5.1585% | 2,737 |
| Efficiency ratio | 58.9246% | 6,238 |
| Assets per employee ($millions) | 4.8889% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 5,631 |
| Loan loss allowance to noncurrent loans | 25.1413% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 3.4798% | 2,017 |
| Noncurrent loans to loans | 4.6312% | 1,556 |
| Net loans and leases to total assets | 49.3951% | 6,502 |
| Net loans and leases to deposits | 57.8615% | 6,584 |
| Net loans and leases to core deposits | 58.7783% | 6,780 |
| Total domestic deposits to total assets | 85.3678% | 3,436 |
| Equity capital to assets | 10.5481% | 3,347 |
| Core capital (leverage) ratio | 10.4289% | 2,683 |
| Tier 1 risk-based capital ratio | 16.1945% | 2,589 |
| Total risk-based capital ratio | 17.1433% | 2,684 |
| Memoranda: | ||
| Average total assets | $652,563,330 | 1,037 |
| Average earning assets | $613,568,000 | 1,002 |
| Average equity | $67,935,330 | 978 |
| Average total loans | $329,965,330 | 1,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9720% | 74 |
| Cost of funding earning assets | 1.0692% | 6,047 |
| Net interest margin | 6.9028% | 64 |
| Noninterest income to average assets | 0.3837% | 5,059 |
| Noninterest expense to average assets | 3.5947% | 1,745 |
| Loan and lease loss provision to assets | 0.2785% | 3,801 |
| Net operating income to assets | 1.8008% | 497 |
| Return on assets (ROA) | 2.2587% | 255 |
| Pretax return on assets | 3.7178% | 91 |
| Return on Equity (ROE) | 21.8444% | 282 |
| Retained earnings to average equity (ytd only) | 21.8444% | 156 |
| Net charge-offs to loans | 1.2968% | 1,320 |
| Credit loss provision to net charge-offs | 42.2139% | 4,606 |
| Earnings coverage of net charge-offs (x) | 4.9737% | 2,499 |
| Efficiency ratio | 52.2815% | 7,124 |
| Assets per employee ($millions) | 4.6692% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 5,975 |
| Loan loss allowance to noncurrent loans | 18.1892% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 4.7725% | 1,377 |
| Noncurrent loans to loans | 6.0874% | 1,072 |
| Net loans and leases to total assets | 50.2078% | 6,443 |
| Net loans and leases to deposits | 59.3902% | 6,520 |
| Net loans and leases to core deposits | 60.9215% | 6,673 |
| Total domestic deposits to total assets | 84.5388% | 3,879 |
| Equity capital to assets | 10.7423% | 3,015 |
| Core capital (leverage) ratio | 10.2616% | 2,856 |
| Tier 1 risk-based capital ratio | 16.4380% | 2,477 |
| Total risk-based capital ratio | 17.3586% | 2,563 |
| Memoranda: | ||
| Average total assets | $646,401,000 | 1,069 |
| Average earning assets | $607,930,000 | 1,035 |
| Average equity | $66,836,500 | 997 |
| Average total loans | $328,802,500 | 1,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6504% | 3,350 |
| Cost of funding earning assets | 1.2275% | 6,560 |
| Net interest margin | 4.4228% | 1,365 |
| Noninterest income to average assets | 5.2927% | 135 |
| Noninterest expense to average assets | 3.7464% | 1,806 |
| Loan and lease loss provision to assets | 0.6797% | 3,104 |
| Net operating income to assets | 3.0408% | 55 |
| Return on assets (ROA) | 3.2955% | 50 |
| Pretax return on assets | 5.4082% | 39 |
| Return on Equity (ROE) | 34.1268% | 31 |
| Retained earnings to average equity (ytd only) | 34.1268% | 11 |
| Net charge-offs to loans | 0.7769% | 2,882 |
| Credit loss provision to net charge-offs | 185.3965% | 2,197 |
| Earnings coverage of net charge-offs (x) | 15.5203% | 1,304 |
| Efficiency ratio | 39.7021% | 7,863 |
| Assets per employee ($millions) | 5.1835% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,273 |
| Loan loss allowance to noncurrent loans | 31.0679% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 3.4132% | 1,979 |
| Noncurrent loans to loans | 3.9079% | 1,899 |
| Net loans and leases to total assets | 50.3427% | 6,601 |
| Net loans and leases to deposits | 60.9084% | 6,570 |
| Net loans and leases to core deposits | 66.0067% | 6,982 |
| Total domestic deposits to total assets | 82.6531% | 4,678 |
| Equity capital to assets | 9.9455% | 3,839 |
| Core capital (leverage) ratio | 9.1493% | 4,199 |
| Tier 1 risk-based capital ratio | 14.7918% | 3,051 |
| Total risk-based capital ratio | 15.7848% | 3,139 |
| Memoranda: | ||
| Average total assets | $478,167,200 | 1,449 |
| Average earning assets | $447,971,800 | 1,408 |
| Average equity | $46,174,800 | 1,459 |
| Average total loans | $225,647,600 | 2,055 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 7,201 |
| Cost of funding earning assets | 1.2323% | 6,795 |
| Net interest margin | 3.5204% | 4,783 |
| Noninterest income to average assets | 2.5682% | 260 |
| Noninterest expense to average assets | 3.0120% | 3,999 |
| Loan and lease loss provision to assets | 0.8287% | 2,307 |
| Net operating income to assets | 1.2958% | 1,230 |
| Return on assets (ROA) | 1.6696% | 634 |
| Pretax return on assets | 2.6047% | 164 |
| Return on Equity (ROE) | 17.4861% | 499 |
| Retained earnings to average equity (ytd only) | 17.4861% | 95 |
| Net charge-offs to loans | 0.6765% | 2,664 |
| Credit loss provision to net charge-offs | 267.5917% | 1,583 |
| Earnings coverage of net charge-offs (x) | 9.2012% | 2,135 |
| Efficiency ratio | 51.3876% | 7,455 |
| Assets per employee ($millions) | 4.7371% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,328 |
| Loan loss allowance to noncurrent loans | 25.4380% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 3.2293% | 2,100 |
| Noncurrent loans to loans | 5.9754% | 994 |
| Net loans and leases to total assets | 44.0166% | 7,247 |
| Net loans and leases to deposits | 52.0991% | 7,299 |
| Net loans and leases to core deposits | 57.3146% | 7,495 |
| Total domestic deposits to total assets | 84.4864% | 3,481 |
| Equity capital to assets | 8.2396% | 6,582 |
| Core capital (leverage) ratio | 9.0335% | 4,598 |
| Tier 1 risk-based capital ratio | 13.0892% | 4,131 |
| Total risk-based capital ratio | 14.2758% | 4,107 |
| Memoranda: | ||
| Average total assets | $434,429,500 | 1,605 |
| Average earning assets | $406,380,000 | 1,573 |
| Average equity | $41,479,500 | 1,634 |
| Average total loans | $198,850,000 | 2,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 7,293 |
| Cost of funding earning assets | 1.1872% | 7,142 |
| Net interest margin | 3.5723% | 4,486 |
| Noninterest income to average assets | 0.2484% | 6,505 |
| Noninterest expense to average assets | 3.1178% | 3,631 |
| Loan and lease loss provision to assets | 0.6158% | 2,590 |
| Net operating income to assets | -0.1380% | 6,081 |
| Return on assets (ROA) | 0.7646% | 3,099 |
| Pretax return on assets | 1.0340% | 2,865 |
| Return on Equity (ROE) | 7.5076% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.5076% | 1,385 |
| Net charge-offs to loans | 0.3026% | 3,670 |
| Credit loss provision to net charge-offs | 439.5604% | 1,057 |
| Earnings coverage of net charge-offs (x) | 3.0696% | 3,587 |
| Efficiency ratio | 87.8797% | 2,027 |
| Assets per employee ($millions) | 5.5691% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 3,480 |
| Loan loss allowance to noncurrent loans | 30.1685% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 2.9786% | 2,137 |
| Noncurrent loans to loans | 4.7973% | 1,301 |
| Net loans and leases to total assets | 45.0957% | 7,256 |
| Net loans and leases to deposits | 54.6664% | 7,236 |
| Net loans and leases to core deposits | 62.3483% | 7,368 |
| Total domestic deposits to total assets | 82.4925% | 4,483 |
| Equity capital to assets | 8.6949% | 5,758 |
| Core capital (leverage) ratio | 9.1753% | 4,343 |
| Tier 1 risk-based capital ratio | 12.8525% | 4,240 |
| Total risk-based capital ratio | 13.8876% | 4,326 |
| Memoranda: | ||
| Average total assets | $389,756,330 | 1,797 |
| Average earning assets | $359,997,000 | 1,779 |
| Average equity | $39,693,330 | 1,715 |
| Average total loans | $180,442,000 | 2,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 7,425 |
| Cost of funding earning assets | 1.2046% | 7,288 |
| Net interest margin | 3.5519% | 4,520 |
| Noninterest income to average assets | 0.2988% | 6,045 |
| Noninterest expense to average assets | 3.3290% | 2,572 |
| Loan and lease loss provision to assets | 0.5702% | 2,205 |
| Net operating income to assets | -0.2470% | 6,615 |
| Return on assets (ROA) | 1.0834% | 2,148 |
| Pretax return on assets | 1.4906% | 1,695 |
| Return on Equity (ROE) | 9.6933% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.6933% | 1,279 |
| Net charge-offs to loans | 0.7162% | 1,754 |
| Credit loss provision to net charge-offs | 170.6485% | 2,512 |
| Earnings coverage of net charge-offs (x) | 0.7133% | 4,443 |
| Efficiency ratio | 93.3184% | 1,478 |
| Assets per employee ($millions) | 4.9562% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,430 |
| Loan loss allowance to noncurrent loans | 31.0120% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 2,801 |
| Noncurrent loans to loans | 4.5568% | 1,257 |
| Net loans and leases to total assets | 42.9143% | 7,414 |
| Net loans and leases to deposits | 54.4910% | 7,253 |
| Net loans and leases to core deposits | 56.7031% | 7,584 |
| Total domestic deposits to total assets | 78.7547% | 5,806 |
| Equity capital to assets | 10.1855% | 3,777 |
| Core capital (leverage) ratio | 11.5155% | 2,135 |
| Tier 1 risk-based capital ratio | 17.6740% | 2,135 |
| Total risk-based capital ratio | 18.7950% | 2,113 |
| Memoranda: | ||
| Average total assets | $350,732,000 | 1,984 |
| Average earning assets | $322,759,000 | 1,968 |
| Average equity | $39,202,500 | 1,734 |
| Average total loans | $163,634,000 | 2,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0618% | 5,241 |
| Cost of funding earning assets | 1.1329% | 7,989 |
| Net interest margin | 4.9289% | 599 |
| Noninterest income to average assets | 0.3297% | 6,087 |
| Noninterest expense to average assets | 3.7135% | 1,927 |
| Loan and lease loss provision to assets | 0.0619% | 6,628 |
| Net operating income to assets | 1.2050% | 1,753 |
| Return on assets (ROA) | 0.2462% | 5,533 |
| Pretax return on assets | 0.1034% | 5,932 |
| Return on Equity (ROE) | 1.9820% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.9820% | 3,998 |
| Net charge-offs to loans | 0.3031% | 3,373 |
| Credit loss provision to net charge-offs | 41.8301% | 6,437 |
| Earnings coverage of net charge-offs (x) | 7.5991% | 3,070 |
| Efficiency ratio | 76.7637% | 3,110 |
| Assets per employee ($millions) | 4.0370% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,391 |
| Loan loss allowance to noncurrent loans | 42.5353% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 3,003 |
| Noncurrent loans to loans | 3.2102% | 1,635 |
| Net loans and leases to total assets | 49.8028% | 7,048 |
| Net loans and leases to deposits | 67.3792% | 6,516 |
| Net loans and leases to core deposits | 69.0063% | 7,248 |
| Total domestic deposits to total assets | 73.9142% | 6,671 |
| Equity capital to assets | 12.3950% | 2,068 |
| Core capital (leverage) ratio | 12.6776% | 1,672 |
| Tier 1 risk-based capital ratio | 19.0103% | 1,811 |
| Total risk-based capital ratio | 20.1442% | 1,792 |
| Memoranda: | ||
| Average total assets | $310,299,000 | 2,151 |
| Average earning assets | $283,793,600 | 2,148 |
| Average equity | $38,547,200 | 1,752 |
| Average total loans | $151,433,600 | 2,902 |