Home > Village Bank and Trust > Performance and Condition Ratios
Village Bank and Trust, 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 | 5.8545% | 770 |
| Cost of funding earning assets | 1.7552% | 1,339 |
| Net interest margin | 4.0993% | 1,074 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.4901% | 4,333 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.8746% | 545 |
| Return on assets (ROA) | 1.8757% | 527 |
| Pretax return on assets | 2.5486% | 323 |
| Return on Equity (ROE) | 17.7500% | 851 |
| Retained earnings to average equity (ytd only) | 6.2144% | 2,169 |
| Net charge-offs to loans | 0.1149% | 828 |
| Credit loss provision to net charge-offs | 266.3053% | 1,027 |
| Earnings coverage of net charge-offs (x) | 30.4103% | 1,629 |
| Efficiency ratio | 34.9120% | 4,453 |
| Assets per employee ($millions) | 24.6863% | 69 |
| Cash dividends to net income (ytd only)* | 64.9905% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,368 |
| Loan loss allowance to noncurrent loans | 440.8759% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 2,186 |
| Noncurrent loans to loans | 0.2245% | 2,422 |
| Net loans and leases to total assets | 79.2500% | 731 |
| Net loans and leases to deposits | 95.9542% | 793 |
| Net loans and leases to core deposits | 114.2079% | 808 |
| Total domestic deposits to total assets | 82.6000% | 2,990 |
| Equity capital to assets | 10.8518% | 1,561 |
| Core capital (leverage) ratio | 9.8330% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9444% | 2,599 |
| Memoranda: | ||
| Average total assets | $2,625,009,400 | 445 |
| Average earning assets | $2,457,921,600 | 426 |
| Average equity | $277,390,000 | 422 |
| Average total loans | $2,086,183,600 | 393 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 845 |
| Cost of funding earning assets | 1.6022% | 1,370 |
| Net interest margin | 4.0527% | 1,143 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 1.4134% | 4,385 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.8678% | 585 |
| Return on assets (ROA) | 1.8675% | 576 |
| Pretax return on assets | 2.5445% | 363 |
| Return on Equity (ROE) | 17.7900% | 974 |
| Retained earnings to average equity (ytd only) | 10.5548% | 1,254 |
| Net charge-offs to loans | 0.1107% | 719 |
| Credit loss provision to net charge-offs | 288.7543% | 911 |
| Earnings coverage of net charge-offs (x) | 31.9216% | 1,562 |
| Efficiency ratio | 33.5239% | 4,482 |
| Assets per employee ($millions) | 27.0104% | 59 |
| Cash dividends to net income (ytd only)* | 40.6702% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,518 |
| Loan loss allowance to noncurrent loans | 392.9039% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,311 |
| Noncurrent loans to loans | 0.2455% | 2,367 |
| Net loans and leases to total assets | 77.6800% | 922 |
| Net loans and leases to deposits | 93.8588% | 908 |
| Net loans and leases to core deposits | 113.7996% | 737 |
| Total domestic deposits to total assets | 82.7700% | 3,054 |
| Equity capital to assets | 10.5943% | 1,514 |
| Core capital (leverage) ratio | 10.2070% | 2,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3190% | 2,505 |
| Memoranda: | ||
| Average total assets | $2,633,246,500 | 444 |
| Average earning assets | $2,467,754,500 | 426 |
| Average equity | $276,416,500 | 420 |
| Average total loans | $2,089,014,750 | 393 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 794 |
| Cost of funding earning assets | 1.4157% | 1,405 |
| Net interest margin | 4.1168% | 1,057 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.4239% | 4,394 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.9789% | 487 |
| Return on assets (ROA) | 1.9806% | 483 |
| Pretax return on assets | 2.6985% | 288 |
| Return on Equity (ROE) | 18.9300% | 839 |
| Retained earnings to average equity (ytd only) | 18.9261% | 287 |
| Net charge-offs to loans | 0.0652% | 903 |
| Credit loss provision to net charge-offs | 314.0146% | 845 |
| Earnings coverage of net charge-offs (x) | 54.8204% | 1,236 |
| Efficiency ratio | 33.3369% | 4,512 |
| Assets per employee ($millions) | 24.3158% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 3,884 |
| Loan loss allowance to noncurrent loans | 427.4021% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,392 |
| Noncurrent loans to loans | 0.2005% | 2,464 |
| Net loans and leases to total assets | 82.4000% | 388 |
| Net loans and leases to deposits | 98.2049% | 592 |
| Net loans and leases to core deposits | 116.9281% | 602 |
| Total domestic deposits to total assets | 83.9100% | 2,843 |
| Equity capital to assets | 11.3350% | 1,256 |
| Core capital (leverage) ratio | 10.3746% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2481% | 2,551 |
| Memoranda: | ||
| Average total assets | $2,637,658,000 | 429 |
| Average earning assets | $2,460,775,000 | 416 |
| Average equity | $276,031,333 | 412 |
| Average total loans | $2,100,309,667 | 378 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 756 |
| Cost of funding earning assets | 1.1599% | 1,563 |
| Net interest margin | 4.2162% | 925 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.3842% | 4,480 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 2.2168% | 358 |
| Return on assets (ROA) | 2.2216% | 354 |
| Pretax return on assets | 3.0189% | 198 |
| Return on Equity (ROE) | 22.0900% | 575 |
| Retained earnings to average equity (ytd only) | 22.0918% | 282 |
| Net charge-offs to loans | 0.0596% | 780 |
| Credit loss provision to net charge-offs | 201.9169% | 822 |
| Earnings coverage of net charge-offs (x) | 63.9617% | 989 |
| Efficiency ratio | 31.7562% | 4,592 |
| Assets per employee ($millions) | 26.1942% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,115 |
| Loan loss allowance to noncurrent loans | 634.1353% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,816 |
| Noncurrent loans to loans | 0.1236% | 2,895 |
| Net loans and leases to total assets | 81.5500% | 414 |
| Net loans and leases to deposits | 97.3972% | 574 |
| Net loans and leases to core deposits | 113.6042% | 595 |
| Total domestic deposits to total assets | 83.7200% | 3,150 |
| Equity capital to assets | 10.6656% | 1,478 |
| Core capital (leverage) ratio | 9.7846% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4030% | 2,881 |
| Memoranda: | ||
| Average total assets | $2,692,065,500 | 438 |
| Average earning assets | $2,488,889,500 | 427 |
| Average equity | $270,725,000 | 429 |
| Average total loans | $2,099,529,500 | 390 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 2,727 |
| Cost of funding earning assets | 0.3497% | 2,476 |
| Net interest margin | 3.2740% | 2,636 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.4108% | 4,502 |
| Loan and lease loss provision to assets | 0.4500% | 143 |
| Net operating income to assets | 1.2213% | 1,696 |
| Return on assets (ROA) | 1.2174% | 1,653 |
| Pretax return on assets | 1.6511% | 1,037 |
| Return on Equity (ROE) | 11.7500% | 2,231 |
| Retained earnings to average equity (ytd only) | 11.7525% | 723 |
| Net charge-offs to loans | 0.3001% | 258 |
| Credit loss provision to net charge-offs | 156.3499% | 1,274 |
| Earnings coverage of net charge-offs (x) | 8.9102% | 2,244 |
| Efficiency ratio | 40.0671% | 4,534 |
| Assets per employee ($millions) | 28.5022% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 4,009 |
| Loan loss allowance to noncurrent loans | 763.8337% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,015 |
| Noncurrent loans to loans | 0.1058% | 3,009 |
| Net loans and leases to total assets | 73.4100% | 1,273 |
| Net loans and leases to deposits | 88.7418% | 1,126 |
| Net loans and leases to core deposits | 102.6052% | 870 |
| Total domestic deposits to total assets | 82.7300% | 3,482 |
| Equity capital to assets | 9.4793% | 2,025 |
| Core capital (leverage) ratio | 9.6469% | 2,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3312% | 2,913 |
| Memoranda: | ||
| Average total assets | $2,403,766,200 | 464 |
| Average earning assets | $2,267,325,600 | 450 |
| Average equity | $248,994,600 | 441 |
| Average total loans | $1,896,935,800 | 396 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 3,191 |
| Cost of funding earning assets | 0.2376% | 2,845 |
| Net interest margin | 3.0565% | 3,061 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.4508% | 4,473 |
| Loan and lease loss provision to assets | 0.4500% | 119 |
| Net operating income to assets | 1.0593% | 2,255 |
| Return on assets (ROA) | 1.0532% | 2,239 |
| Pretax return on assets | 1.4434% | 1,589 |
| Return on Equity (ROE) | 9.9200% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.9160% | 1,367 |
| Net charge-offs to loans | 0.3793% | 164 |
| Credit loss provision to net charge-offs | 138.7261% | 1,156 |
| Earnings coverage of net charge-offs (x) | 6.2196% | 2,121 |
| Efficiency ratio | 43.3422% | 4,482 |
| Assets per employee ($millions) | 25.1313% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 4,130 |
| Loan loss allowance to noncurrent loans | 155.9477% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 1,201 |
| Noncurrent loans to loans | 0.5011% | 1,547 |
| Net loans and leases to total assets | 80.9400% | 451 |
| Net loans and leases to deposits | 98.2415% | 445 |
| Net loans and leases to core deposits | 108.7371% | 509 |
| Total domestic deposits to total assets | 82.3800% | 3,772 |
| Equity capital to assets | 10.3592% | 1,443 |
| Core capital (leverage) ratio | 9.7385% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2764% | 2,992 |
| Memoranda: | ||
| Average total assets | $2,313,530,000 | 487 |
| Average earning assets | $2,194,092,750 | 467 |
| Average equity | $245,724,750 | 453 |
| Average total loans | $1,859,626,000 | 398 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9931% | 3,578 |
| Cost of funding earning assets | 0.2105% | 2,770 |
| Net interest margin | 2.7826% | 3,491 |
| Noninterest income to average assets | 0.4417% | 2,496 |
| Noninterest expense to average assets | 1.4686% | 4,456 |
| Loan and lease loss provision to assets | 0.3454% | 177 |
| Net operating income to assets | 0.9266% | 2,460 |
| Return on assets (ROA) | 0.9208% | 2,454 |
| Pretax return on assets | 1.2619% | 1,863 |
| Return on Equity (ROE) | 8.5943% | 2,830 |
| Retained earnings to average equity (ytd only) | 8.5943% | 1,402 |
| Net charge-offs to loans | 0.2348% | 275 |
| Credit loss provision to net charge-offs | 158.1971% | 1,072 |
| Earnings coverage of net charge-offs (x) | 8.5997% | 1,818 |
| Efficiency ratio | 47.6307% | 4,365 |
| Assets per employee ($millions) | 23.9627% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,205 |
| Loan loss allowance to noncurrent loans | 163.3419% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 1,333 |
| Noncurrent loans to loans | 0.4773% | 1,688 |
| Net loans and leases to total assets | 79.7960% | 423 |
| Net loans and leases to deposits | 93.5452% | 539 |
| Net loans and leases to core deposits | 102.9364% | 550 |
| Total domestic deposits to total assets | 85.3021% | 3,412 |
| Equity capital to assets | 10.6370% | 1,376 |
| Core capital (leverage) ratio | 9.5227% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3240% | 2,964 |
| Memoranda: | ||
| Average total assets | $2,280,505,333 | 488 |
| Average earning assets | $2,165,050,000 | 472 |
| Average equity | $244,324,333 | 455 |
| Average total loans | $1,823,486,000 | 393 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9005% | 3,535 |
| Cost of funding earning assets | 0.2035% | 2,751 |
| Net interest margin | 2.6969% | 3,404 |
| Noninterest income to average assets | 0.4454% | 2,412 |
| Noninterest expense to average assets | 1.4260% | 4,507 |
| Loan and lease loss provision to assets | 0.1149% | 728 |
| Net operating income to assets | 1.0748% | 1,604 |
| Return on assets (ROA) | 1.0681% | 1,619 |
| Pretax return on assets | 1.4540% | 1,118 |
| Return on Equity (ROE) | 9.9331% | 1,988 |
| Retained earnings to average equity (ytd only) | 9.9331% | 1,037 |
| Net charge-offs to loans | -0.0315% | 4,104 |
| Credit loss provision to net charge-offs | -469.7183% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4792% | 4,431 |
| Assets per employee ($millions) | 25.1250% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 4,240 |
| Loan loss allowance to noncurrent loans | 124.1918% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 1,088 |
| Noncurrent loans to loans | 0.6447% | 1,462 |
| Net loans and leases to total assets | 78.3363% | 352 |
| Net loans and leases to deposits | 92.5456% | 413 |
| Net loans and leases to core deposits | 106.0661% | 350 |
| Total domestic deposits to total assets | 84.6462% | 3,624 |
| Equity capital to assets | 10.9331% | 1,364 |
| Core capital (leverage) ratio | 9.7604% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5330% | 2,974 |
| Memoranda: | ||
| Average total assets | $2,258,567,000 | 498 |
| Average earning assets | $2,142,274,500 | 484 |
| Average equity | $242,864,500 | 463 |
| Average total loans | $1,800,560,000 | 395 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 3,777 |
| Cost of funding earning assets | 0.3010% | 2,396 |
| Net interest margin | 2.7522% | 3,773 |
| Noninterest income to average assets | 0.4414% | 2,850 |
| Noninterest expense to average assets | 1.4850% | 4,562 |
| Loan and lease loss provision to assets | -0.1802% | 4,667 |
| Net operating income to assets | 1.2709% | 1,685 |
| Return on assets (ROA) | 1.2701% | 1,746 |
| Pretax return on assets | 1.7431% | 1,036 |
| Return on Equity (ROE) | 12.6682% | 1,581 |
| Retained earnings to average equity (ytd only) | 12.6682% | 444 |
| Net charge-offs to loans | 0.0227% | 1,803 |
| Credit loss provision to net charge-offs | -935.5721% | 3,905 |
| Earnings coverage of net charge-offs (x) | 87.6542% | 946 |
| Efficiency ratio | 48.7015% | 4,370 |
| Assets per employee ($millions) | 25.9205% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 4,383 |
| Loan loss allowance to noncurrent loans | 329.0299% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,455 |
| Noncurrent loans to loans | 0.2207% | 2,860 |
| Net loans and leases to total assets | 79.8749% | 271 |
| Net loans and leases to deposits | 93.9502% | 385 |
| Net loans and leases to core deposits | 102.5174% | 448 |
| Total domestic deposits to total assets | 85.0184% | 3,263 |
| Equity capital to assets | 10.5765% | 2,109 |
| Core capital (leverage) ratio | 9.2429% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0101% | 3,046 |
| Memoranda: | ||
| Average total assets | $2,253,108,000 | 475 |
| Average earning assets | $2,134,664,000 | 462 |
| Average equity | $225,888,000 | 488 |
| Average total loans | $1,772,718,000 | 398 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1009% | 3,805 |
| Cost of funding earning assets | 0.3282% | 2,320 |
| Net interest margin | 2.7726% | 3,838 |
| Noninterest income to average assets | 0.4563% | 2,811 |
| Noninterest expense to average assets | 1.4861% | 4,605 |
| Loan and lease loss provision to assets | -0.2452% | 4,790 |
| Net operating income to assets | 1.3454% | 1,701 |
| Return on assets (ROA) | 1.3447% | 1,754 |
| Pretax return on assets | 1.8399% | 1,067 |
| Return on Equity (ROE) | 13.6028% | 1,517 |
| Retained earnings to average equity (ytd only) | 13.6028% | 558 |
| Net charge-offs to loans | 0.0131% | 1,841 |
| Credit loss provision to net charge-offs | -2,213.8728% | 4,008 |
| Earnings coverage of net charge-offs (x) | 155.3757% | 662 |
| Efficiency ratio | 48.2183% | 4,353 |
| Assets per employee ($millions) | 25.6162% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,383 |
| Loan loss allowance to noncurrent loans | 234.6729% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 2,295 |
| Noncurrent loans to loans | 0.3320% | 2,592 |
| Net loans and leases to total assets | 75.3402% | 593 |
| Net loans and leases to deposits | 88.1096% | 709 |
| Net loans and leases to core deposits | 95.5575% | 766 |
| Total domestic deposits to total assets | 85.5074% | 2,942 |
| Equity capital to assets | 10.2211% | 2,688 |
| Core capital (leverage) ratio | 8.9814% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5786% | 3,033 |
| Memoranda: | ||
| Average total assets | $2,246,133,250 | 478 |
| Average earning assets | $2,126,884,250 | 467 |
| Average equity | $222,047,500 | 497 |
| Average total loans | $1,757,077,000 | 402 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 3,854 |
| Cost of funding earning assets | 0.3714% | 2,121 |
| Net interest margin | 2.7356% | 3,909 |
| Noninterest income to average assets | 0.4347% | 2,932 |
| Noninterest expense to average assets | 1.4831% | 4,635 |
| Loan and lease loss provision to assets | -0.3814% | 4,871 |
| Net operating income to assets | 1.4054% | 1,550 |
| Return on assets (ROA) | 1.4047% | 1,615 |
| Pretax return on assets | 1.9193% | 977 |
| Return on Equity (ROE) | 14.3753% | 1,312 |
| Retained earnings to average equity (ytd only) | 14.3753% | 500 |
| Net charge-offs to loans | 0.0658% | 961 |
| Credit loss provision to net charge-offs | -610.4991% | 3,530 |
| Earnings coverage of net charge-offs (x) | 29.5938% | 1,315 |
| Efficiency ratio | 49.0716% | 4,318 |
| Assets per employee ($millions) | 24.8722% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,453 |
| Loan loss allowance to noncurrent loans | 210.7222% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 2,285 |
| Noncurrent loans to loans | 0.3561% | 2,622 |
| Net loans and leases to total assets | 78.9539% | 379 |
| Net loans and leases to deposits | 92.2788% | 528 |
| Net loans and leases to core deposits | 105.0013% | 501 |
| Total domestic deposits to total assets | 85.5602% | 2,887 |
| Equity capital to assets | 10.1005% | 2,764 |
| Core capital (leverage) ratio | 8.4299% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4530% | 3,042 |
| Memoranda: | ||
| Average total assets | $2,234,896,667 | 477 |
| Average earning assets | $2,113,619,667 | 466 |
| Average equity | $218,388,333 | 498 |
| Average total loans | $1,765,727,000 | 403 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9707% | 4,145 |
| Cost of funding earning assets | 0.3905% | 2,168 |
| Net interest margin | 2.5802% | 4,186 |
| Noninterest income to average assets | 0.3925% | 3,125 |
| Noninterest expense to average assets | 1.4170% | 4,728 |
| Loan and lease loss provision to assets | -0.4964% | 4,918 |
| Net operating income to assets | 1.4087% | 1,549 |
| Return on assets (ROA) | 1.4065% | 1,630 |
| Pretax return on assets | 1.9175% | 1,085 |
| Return on Equity (ROE) | 14.6402% | 1,291 |
| Retained earnings to average equity (ytd only) | 14.6402% | 667 |
| Net charge-offs to loans | 0.1115% | 630 |
| Credit loss provision to net charge-offs | -524.6939% | 3,186 |
| Earnings coverage of net charge-offs (x) | 16.2245% | 1,322 |
| Efficiency ratio | 49.8644% | 4,192 |
| Assets per employee ($millions) | 24.2847% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 4,409 |
| Loan loss allowance to noncurrent loans | 211.1648% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 2,647 |
| Noncurrent loans to loans | 0.3787% | 2,739 |
| Net loans and leases to total assets | 78.4178% | 443 |
| Net loans and leases to deposits | 91.3236% | 627 |
| Net loans and leases to core deposits | 105.6153% | 527 |
| Total domestic deposits to total assets | 85.8681% | 2,784 |
| Equity capital to assets | 9.5882% | 3,121 |
| Core capital (leverage) ratio | 8.4144% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7228% | 2,974 |
| Memoranda: | ||
| Average total assets | $2,233,098,000 | 474 |
| Average earning assets | $2,119,206,000 | 461 |
| Average equity | $214,532,500 | 497 |
| Average total loans | $1,758,219,000 | 402 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 3,963 |
| Cost of funding earning assets | 0.6791% | 1,827 |
| Net interest margin | 2.8531% | 4,185 |
| Noninterest income to average assets | 0.4065% | 3,060 |
| Noninterest expense to average assets | 1.5681% | 4,726 |
| Loan and lease loss provision to assets | 0.6257% | 305 |
| Net operating income to assets | 0.6507% | 3,593 |
| Return on assets (ROA) | 0.6526% | 3,712 |
| Pretax return on assets | 0.8920% | 3,385 |
| Return on Equity (ROE) | 6.6175% | 3,361 |
| Retained earnings to average equity (ytd only) | 6.6175% | 1,540 |
| Net charge-offs to loans | 0.3529% | 490 |
| Credit loss provision to net charge-offs | 228.4769% | 2,031 |
| Earnings coverage of net charge-offs (x) | 5.5324% | 2,856 |
| Efficiency ratio | 50.8329% | 4,480 |
| Assets per employee ($millions) | 22.2799% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,791 |
| Loan loss allowance to noncurrent loans | 241.3688% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,604 |
| Noncurrent loans to loans | 0.4233% | 2,710 |
| Net loans and leases to total assets | 77.6036% | 635 |
| Net loans and leases to deposits | 90.6763% | 874 |
| Net loans and leases to core deposits | 101.1170% | 855 |
| Total domestic deposits to total assets | 85.5831% | 2,538 |
| Equity capital to assets | 9.6265% | 3,478 |
| Core capital (leverage) ratio | 8.3411% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8856% | 2,954 |
| Memoranda: | ||
| Average total assets | $2,042,445,200 | 467 |
| Average earning assets | $1,916,292,600 | 460 |
| Average equity | $201,436,000 | 501 |
| Average total loans | $1,585,229,800 | 428 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 3,903 |
| Cost of funding earning assets | 0.7558% | 1,700 |
| Net interest margin | 2.8990% | 4,186 |
| Noninterest income to average assets | 0.4009% | 3,072 |
| Noninterest expense to average assets | 1.5823% | 4,743 |
| Loan and lease loss provision to assets | 0.7743% | 248 |
| Net operating income to assets | 0.5443% | 3,922 |
| Return on assets (ROA) | 0.5472% | 4,007 |
| Pretax return on assets | 0.7602% | 3,750 |
| Return on Equity (ROE) | 5.5119% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.5119% | 2,319 |
| Net charge-offs to loans | 0.1441% | 1,018 |
| Credit loss provision to net charge-offs | 694.3419% | 1,073 |
| Earnings coverage of net charge-offs (x) | 13.7266% | 2,183 |
| Efficiency ratio | 50.7980% | 4,438 |
| Assets per employee ($millions) | 20.0673% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,758 |
| Loan loss allowance to noncurrent loans | 149.3447% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 1,766 |
| Noncurrent loans to loans | 0.7929% | 1,837 |
| Net loans and leases to total assets | 81.1015% | 513 |
| Net loans and leases to deposits | 95.2812% | 819 |
| Net loans and leases to core deposits | 110.4806% | 684 |
| Total domestic deposits to total assets | 85.1180% | 2,388 |
| Equity capital to assets | 9.8048% | 3,426 |
| Core capital (leverage) ratio | 8.3359% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1560% | 2,883 |
| Memoranda: | ||
| Average total assets | $2,007,198,500 | 465 |
| Average earning assets | $1,877,968,750 | 461 |
| Average equity | $199,248,000 | 498 |
| Average total loans | $1,553,559,000 | 428 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 3,871 |
| Cost of funding earning assets | 0.8549% | 1,576 |
| Net interest margin | 2.9378% | 4,249 |
| Noninterest income to average assets | 0.3860% | 3,167 |
| Noninterest expense to average assets | 1.5971% | 4,779 |
| Loan and lease loss provision to assets | 1.0257% | 195 |
| Net operating income to assets | 0.3612% | 4,312 |
| Return on assets (ROA) | 0.3640% | 4,363 |
| Pretax return on assets | 0.5111% | 4,232 |
| Return on Equity (ROE) | 3.6515% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.6515% | 3,095 |
| Net charge-offs to loans | 0.1879% | 812 |
| Credit loss provision to net charge-offs | 720.4255% | 985 |
| Earnings coverage of net charge-offs (x) | 10.7674% | 2,130 |
| Efficiency ratio | 50.9872% | 4,441 |
| Assets per employee ($millions) | 20.1354% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,008 |
| Loan loss allowance to noncurrent loans | 103.9446% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 1,454 |
| Noncurrent loans to loans | 1.0662% | 1,456 |
| Net loans and leases to total assets | 78.9067% | 736 |
| Net loans and leases to deposits | 92.1969% | 1,137 |
| Net loans and leases to core deposits | 107.2302% | 845 |
| Total domestic deposits to total assets | 85.5850% | 2,171 |
| Equity capital to assets | 9.2859% | 3,845 |
| Core capital (leverage) ratio | 7.9024% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6889% | 3,047 |
| Memoranda: | ||
| Average total assets | $1,980,597,000 | 467 |
| Average earning assets | $1,850,014,000 | 459 |
| Average equity | $197,455,333 | 502 |
| Average total loans | $1,500,454,000 | 436 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 3,997 |
| Cost of funding earning assets | 0.9750% | 1,540 |
| Net interest margin | 2.9444% | 4,362 |
| Noninterest income to average assets | 0.4634% | 2,736 |
| Noninterest expense to average assets | 1.6081% | 4,850 |
| Loan and lease loss provision to assets | 1.1233% | 178 |
| Net operating income to assets | 0.3325% | 4,281 |
| Return on assets (ROA) | 0.3380% | 4,299 |
| Pretax return on assets | 0.4717% | 4,168 |
| Return on Equity (ROE) | 3.2628% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.2628% | 2,976 |
| Net charge-offs to loans | 0.3718% | 383 |
| Credit loss provision to net charge-offs | 411.2916% | 983 |
| Earnings coverage of net charge-offs (x) | 5.8144% | 2,024 |
| Efficiency ratio | 50.2743% | 4,652 |
| Assets per employee ($millions) | 18.4503% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,632 |
| Loan loss allowance to noncurrent loans | 113.2538% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 2,028 |
| Noncurrent loans to loans | 0.8956% | 1,822 |
| Net loans and leases to total assets | 72.1857% | 1,893 |
| Net loans and leases to deposits | 85.6584% | 2,043 |
| Net loans and leases to core deposits | 106.2436% | 1,047 |
| Total domestic deposits to total assets | 84.2716% | 2,685 |
| Equity capital to assets | 10.2063% | 3,602 |
| Core capital (leverage) ratio | 8.8453% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3066% | 3,274 |
| Memoranda: | ||
| Average total assets | $1,893,649,500 | 469 |
| Average earning assets | $1,757,476,500 | 464 |
| Average equity | $196,151,000 | 508 |
| Average total loans | $1,391,135,500 | 454 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 2,983 |
| Cost of funding earning assets | 1.0974% | 1,336 |
| Net interest margin | 3.3920% | 3,777 |
| Noninterest income to average assets | 0.4235% | 3,155 |
| Noninterest expense to average assets | 1.6052% | 4,949 |
| Loan and lease loss provision to assets | 0.2136% | 932 |
| Net operating income to assets | 1.3108% | 1,647 |
| Return on assets (ROA) | 1.3163% | 1,709 |
| Pretax return on assets | 1.7818% | 985 |
| Return on Equity (ROE) | 12.0125% | 1,507 |
| Retained earnings to average equity (ytd only) | 9.2875% | 641 |
| Net charge-offs to loans | 0.2674% | 777 |
| Credit loss provision to net charge-offs | 103.2035% | 2,405 |
| Earnings coverage of net charge-offs (x) | 9.6084% | 2,644 |
| Efficiency ratio | 44.6236% | 4,956 |
| Assets per employee ($millions) | 17.6192% | 86 |
| Cash dividends to net income (ytd only)* | 22.6850% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 4,608 |
| Loan loss allowance to noncurrent loans | 86.8433% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,129 |
| Noncurrent loans to loans | 0.7853% | 1,936 |
| Net loans and leases to total assets | 73.5215% | 1,836 |
| Net loans and leases to deposits | 84.6512% | 2,254 |
| Net loans and leases to core deposits | 100.2194% | 1,545 |
| Total domestic deposits to total assets | 86.8524% | 1,686 |
| Equity capital to assets | 10.5176% | 3,428 |
| Core capital (leverage) ratio | 8.9869% | 4,538 |
| Tier 1 risk-based capital ratio | 10.7919% | 4,931 |
| Total risk-based capital ratio | 11.4206% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,674,419,200 | 507 |
| Average earning assets | $1,564,810,400 | 494 |
| Average equity | $183,483,800 | 508 |
| Average total loans | $1,295,991,400 | 466 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 2,777 |
| Cost of funding earning assets | 1.1049% | 1,330 |
| Net interest margin | 3.4793% | 3,636 |
| Noninterest income to average assets | 0.4574% | 2,980 |
| Noninterest expense to average assets | 1.6398% | 4,980 |
| Loan and lease loss provision to assets | 0.2376% | 706 |
| Net operating income to assets | 1.3478% | 1,652 |
| Return on assets (ROA) | 1.3554% | 1,691 |
| Pretax return on assets | 1.8325% | 1,011 |
| Return on Equity (ROE) | 12.2299% | 1,538 |
| Retained earnings to average equity (ytd only) | 8.5409% | 1,192 |
| Net charge-offs to loans | 0.2958% | 590 |
| Credit loss provision to net charge-offs | 102.5406% | 2,202 |
| Earnings coverage of net charge-offs (x) | 8.8910% | 2,614 |
| Efficiency ratio | 44.2696% | 5,002 |
| Assets per employee ($millions) | 16.5549% | 95 |
| Cash dividends to net income (ytd only)* | 30.1641% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 4,648 |
| Loan loss allowance to noncurrent loans | 163.9055% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 3,214 |
| Noncurrent loans to loans | 0.4284% | 3,022 |
| Net loans and leases to total assets | 74.9426% | 1,659 |
| Net loans and leases to deposits | 86.7440% | 2,098 |
| Net loans and leases to core deposits | 105.8650% | 1,193 |
| Total domestic deposits to total assets | 86.3951% | 1,822 |
| Equity capital to assets | 10.7678% | 3,317 |
| Core capital (leverage) ratio | 9.2238% | 4,456 |
| Tier 1 risk-based capital ratio | 10.8349% | 4,976 |
| Total risk-based capital ratio | 11.4856% | 5,068 |
| Memoranda: | ||
| Average total assets | $1,630,520,750 | 523 |
| Average earning assets | $1,519,652,250 | 507 |
| Average equity | $180,710,500 | 516 |
| Average total loans | $1,277,614,750 | 476 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 2,599 |
| Cost of funding earning assets | 1.0735% | 1,402 |
| Net interest margin | 3.5497% | 3,435 |
| Noninterest income to average assets | 0.4822% | 2,768 |
| Noninterest expense to average assets | 1.6847% | 4,989 |
| Loan and lease loss provision to assets | 0.1361% | 1,363 |
| Net operating income to assets | 1.4577% | 1,273 |
| Return on assets (ROA) | 1.4634% | 1,305 |
| Pretax return on assets | 1.9757% | 712 |
| Return on Equity (ROE) | 13.0668% | 1,215 |
| Retained earnings to average equity (ytd only) | 7.4476% | 1,629 |
| Net charge-offs to loans | 0.0719% | 1,647 |
| Credit loss provision to net charge-offs | 238.1057% | 1,062 |
| Earnings coverage of net charge-offs (x) | 36.8326% | 1,297 |
| Efficiency ratio | 44.4068% | 5,052 |
| Assets per employee ($millions) | 14.7933% | 113 |
| Cash dividends to net income (ytd only)* | 43.0034% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 4,600 |
| Loan loss allowance to noncurrent loans | 158.6607% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 2,948 |
| Noncurrent loans to loans | 0.4730% | 2,862 |
| Net loans and leases to total assets | 79.3771% | 988 |
| Net loans and leases to deposits | 92.3989% | 1,444 |
| Net loans and leases to core deposits | 115.7161% | 695 |
| Total domestic deposits to total assets | 85.9069% | 2,085 |
| Equity capital to assets | 11.1739% | 2,889 |
| Core capital (leverage) ratio | 9.6108% | 4,025 |
| Tier 1 risk-based capital ratio | 10.6139% | 5,066 |
| Total risk-based capital ratio | 11.3116% | 5,160 |
| Memoranda: | ||
| Average total assets | $1,589,087,000 | 531 |
| Average earning assets | $1,480,531,000 | 519 |
| Average equity | $177,962,330 | 521 |
| Average total loans | $1,262,016,670 | 478 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 2,375 |
| Cost of funding earning assets | 1.0419% | 1,405 |
| Net interest margin | 3.6088% | 3,222 |
| Noninterest income to average assets | 0.6026% | 2,030 |
| Noninterest expense to average assets | 1.7020% | 5,017 |
| Loan and lease loss provision to assets | 0.3146% | 400 |
| Net operating income to assets | 1.4512% | 1,228 |
| Return on assets (ROA) | 1.4542% | 1,249 |
| Pretax return on assets | 1.9450% | 712 |
| Return on Equity (ROE) | 12.9701% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.1209% | 2,407 |
| Net charge-offs to loans | -0.0304% | 4,649 |
| Credit loss provision to net charge-offs | -1,307.4468% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9532% | 5,134 |
| Assets per employee ($millions) | 14.7223% | 111 |
| Cash dividends to net income (ytd only)* | 52.8076% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,346 |
| Loan loss allowance to noncurrent loans | 226.9462% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 3,381 |
| Noncurrent loans to loans | 0.3744% | 3,240 |
| Net loans and leases to total assets | 78.8993% | 1,005 |
| Net loans and leases to deposits | 91.9928% | 1,401 |
| Net loans and leases to core deposits | 117.8108% | 586 |
| Total domestic deposits to total assets | 85.7668% | 2,378 |
| Equity capital to assets | 11.3597% | 2,516 |
| Core capital (leverage) ratio | 9.4526% | 4,194 |
| Tier 1 risk-based capital ratio | 10.7173% | 5,103 |
| Total risk-based capital ratio | 11.5027% | 5,175 |
| Memoranda: | ||
| Average total assets | $1,562,602,500 | 536 |
| Average earning assets | $1,452,777,500 | 530 |
| Average equity | $175,203,000 | 522 |
| Average total loans | $1,236,389,000 | 488 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 3,205 |
| Cost of funding earning assets | 0.7574% | 1,747 |
| Net interest margin | 3.5151% | 3,656 |
| Noninterest income to average assets | 0.2747% | 4,269 |
| Noninterest expense to average assets | 1.8004% | 5,002 |
| Loan and lease loss provision to assets | 0.0866% | 2,408 |
| Net operating income to assets | 1.2419% | 2,007 |
| Return on assets (ROA) | 1.2328% | 2,027 |
| Pretax return on assets | 1.6562% | 1,294 |
| Return on Equity (ROE) | 10.8932% | 2,131 |
| Retained earnings to average equity (ytd only) | 1.8477% | 4,408 |
| Net charge-offs to loans | 0.0570% | 2,328 |
| Credit loss provision to net charge-offs | 192.5645% | 1,488 |
| Earnings coverage of net charge-offs (x) | 39.0046% | 1,341 |
| Efficiency ratio | 50.5789% | 4,904 |
| Assets per employee ($millions) | 14.2240% | 118 |
| Cash dividends to net income (ytd only)* | 83.0381% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,674 |
| Loan loss allowance to noncurrent loans | 185.8639% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 2,949 |
| Noncurrent loans to loans | 0.4034% | 3,081 |
| Net loans and leases to total assets | 78.0832% | 1,260 |
| Net loans and leases to deposits | 92.7024% | 1,436 |
| Net loans and leases to core deposits | 110.8184% | 955 |
| Total domestic deposits to total assets | 84.2299% | 2,927 |
| Equity capital to assets | 11.0652% | 2,624 |
| Core capital (leverage) ratio | 9.4640% | 4,153 |
| Tier 1 risk-based capital ratio | 10.4892% | 5,185 |
| Total risk-based capital ratio | 11.1761% | 5,276 |
| Memoranda: | ||
| Average total assets | $1,465,254,800 | 555 |
| Average earning assets | $1,367,259,000 | 537 |
| Average equity | $165,827,600 | 531 |
| Average total loans | $1,156,743,200 | 500 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 3,228 |
| Cost of funding earning assets | 0.6889% | 1,914 |
| Net interest margin | 3.5358% | 3,576 |
| Noninterest income to average assets | 0.2367% | 4,556 |
| Noninterest expense to average assets | 1.8192% | 5,020 |
| Loan and lease loss provision to assets | 0.0526% | 2,930 |
| Net operating income to assets | 1.2331% | 2,114 |
| Return on assets (ROA) | 1.2203% | 2,152 |
| Pretax return on assets | 1.6475% | 1,426 |
| Return on Equity (ROE) | 10.7175% | 2,299 |
| Retained earnings to average equity (ytd only) | -1.4772% | 5,163 |
| Net charge-offs to loans | 0.0781% | 1,737 |
| Credit loss provision to net charge-offs | 85.1574% | 2,468 |
| Earnings coverage of net charge-offs (x) | 27.8006% | 1,694 |
| Efficiency ratio | 51.3771% | 4,857 |
| Assets per employee ($millions) | 13.3855% | 142 |
| Cash dividends to net income (ytd only)* | 113.7829% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 4,816 |
| Loan loss allowance to noncurrent loans | 172.3503% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 3,007 |
| Noncurrent loans to loans | 0.4221% | 3,144 |
| Net loans and leases to total assets | 78.2675% | 1,301 |
| Net loans and leases to deposits | 90.9696% | 1,766 |
| Net loans and leases to core deposits | 116.3637% | 699 |
| Total domestic deposits to total assets | 86.0370% | 2,173 |
| Equity capital to assets | 11.0807% | 2,594 |
| Core capital (leverage) ratio | 9.2807% | 4,421 |
| Tier 1 risk-based capital ratio | 10.4625% | 5,249 |
| Total risk-based capital ratio | 11.1277% | 5,359 |
| Memoranda: | ||
| Average total assets | $1,440,408,750 | 559 |
| Average earning assets | $1,343,881,500 | 545 |
| Average equity | $164,002,000 | 527 |
| Average total loans | $1,138,191,500 | 502 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,316 |
| Cost of funding earning assets | 0.6196% | 2,108 |
| Net interest margin | 3.5205% | 3,565 |
| Noninterest income to average assets | 0.1754% | 4,942 |
| Noninterest expense to average assets | 1.8064% | 5,082 |
| Loan and lease loss provision to assets | 0.1333% | 1,481 |
| Net operating income to assets | 1.1273% | 2,490 |
| Return on assets (ROA) | 1.1087% | 2,556 |
| Pretax return on assets | 1.4964% | 1,827 |
| Return on Equity (ROE) | 9.6477% | 2,738 |
| Retained earnings to average equity (ytd only) | -5.0052% | 5,291 |
| Net charge-offs to loans | 0.1082% | 1,287 |
| Credit loss provision to net charge-offs | 155.7377% | 1,540 |
| Earnings coverage of net charge-offs (x) | 19.3148% | 1,853 |
| Efficiency ratio | 52.1274% | 4,875 |
| Assets per employee ($millions) | 12.7012% | 160 |
| Cash dividends to net income (ytd only)* | 151.8795% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 4,722 |
| Loan loss allowance to noncurrent loans | 158.9780% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 2,690 |
| Noncurrent loans to loans | 0.4982% | 2,932 |
| Net loans and leases to total assets | 78.1897% | 1,280 |
| Net loans and leases to deposits | 91.2178% | 1,680 |
| Net loans and leases to core deposits | 118.9300% | 593 |
| Total domestic deposits to total assets | 85.7176% | 2,406 |
| Equity capital to assets | 11.3615% | 2,299 |
| Core capital (leverage) ratio | 9.2645% | 4,399 |
| Tier 1 risk-based capital ratio | 10.7421% | 5,171 |
| Total risk-based capital ratio | 11.4724% | 5,291 |
| Memoranda: | ||
| Average total assets | $1,425,282,670 | 562 |
| Average earning assets | $1,329,636,670 | 553 |
| Average equity | $163,790,670 | 527 |
| Average total loans | $1,127,118,670 | 505 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,672 |
| Cost of funding earning assets | 0.5268% | 2,574 |
| Net interest margin | 3.4564% | 3,685 |
| Noninterest income to average assets | 0.1749% | 4,975 |
| Noninterest expense to average assets | 1.7683% | 5,184 |
| Loan and lease loss provision to assets | -0.0051% | 5,397 |
| Net operating income to assets | 1.2226% | 1,914 |
| Return on assets (ROA) | 1.1868% | 2,078 |
| Pretax return on assets | 1.5946% | 1,410 |
| Return on Equity (ROE) | 10.2684% | 2,288 |
| Retained earnings to average equity (ytd only) | -18.9724% | 5,491 |
| Net charge-offs to loans | -0.0444% | 4,917 |
| Credit loss provision to net charge-offs | 14.4000% | 2,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8785% | 4,970 |
| Assets per employee ($millions) | 13.1161% | 149 |
| Cash dividends to net income (ytd only)* | 284.7651% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 4,838 |
| Loan loss allowance to noncurrent loans | 144.6322% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 2,598 |
| Noncurrent loans to loans | 0.5396% | 2,907 |
| Net loans and leases to total assets | 78.3508% | 1,186 |
| Net loans and leases to deposits | 92.1722% | 1,433 |
| Net loans and leases to core deposits | 121.7250% | 533 |
| Total domestic deposits to total assets | 85.0048% | 2,929 |
| Equity capital to assets | 11.2690% | 2,330 |
| Core capital (leverage) ratio | 9.3824% | 4,212 |
| Tier 1 risk-based capital ratio | 10.5572% | 5,334 |
| Total risk-based capital ratio | 11.2766% | 5,435 |
| Memoranda: | ||
| Average total assets | $1,420,309,000 | 568 |
| Average earning assets | $1,326,569,000 | 556 |
| Average equity | $164,154,000 | 527 |
| Average total loans | $1,125,097,000 | 508 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 3,869 |
| Cost of funding earning assets | 0.4969% | 2,360 |
| Net interest margin | 3.3585% | 3,979 |
| Noninterest income to average assets | 0.3131% | 4,221 |
| Noninterest expense to average assets | 1.7009% | 5,332 |
| Loan and lease loss provision to assets | 0.1759% | 1,237 |
| Net operating income to assets | 0.9477% | 2,463 |
| Return on assets (ROA) | 0.9479% | 2,488 |
| Pretax return on assets | 1.5790% | 1,350 |
| Return on Equity (ROE) | 8.1642% | 2,723 |
| Retained earnings to average equity (ytd only) | 5.7224% | 1,696 |
| Net charge-offs to loans | 0.1052% | 2,014 |
| Credit loss provision to net charge-offs | 209.9831% | 1,300 |
| Earnings coverage of net charge-offs (x) | 20.9425% | 1,938 |
| Efficiency ratio | 49.1221% | 5,263 |
| Assets per employee ($millions) | 12.9461% | 145 |
| Cash dividends to net income (ytd only)* | 29.9088% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,925 |
| Loan loss allowance to noncurrent loans | 248.4159% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,068 |
| Noncurrent loans to loans | 0.3068% | 3,680 |
| Net loans and leases to total assets | 78.8558% | 1,145 |
| Net loans and leases to deposits | 92.6689% | 1,426 |
| Net loans and leases to core deposits | 117.4013% | 670 |
| Total domestic deposits to total assets | 85.0942% | 2,805 |
| Equity capital to assets | 11.8447% | 1,944 |
| Core capital (leverage) ratio | 9.7467% | 3,748 |
| Tier 1 risk-based capital ratio | 11.2259% | 5,026 |
| Total risk-based capital ratio | 11.9406% | 5,193 |
| Memoranda: | ||
| Average total assets | $1,410,869,600 | 543 |
| Average earning assets | $1,320,064,000 | 537 |
| Average equity | $163,812,800 | 509 |
| Average total loans | $1,123,816,400 | 486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 3,986 |
| Cost of funding earning assets | 0.4859% | 2,383 |
| Net interest margin | 3.3213% | 4,100 |
| Noninterest income to average assets | 0.3117% | 4,296 |
| Noninterest expense to average assets | 1.6569% | 5,401 |
| Loan and lease loss provision to assets | 0.1797% | 1,114 |
| Net operating income to assets | 0.9819% | 2,634 |
| Return on assets (ROA) | 0.9822% | 2,689 |
| Pretax return on assets | 1.5840% | 1,478 |
| Return on Equity (ROE) | 8.5026% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.0426% | 2,203 |
| Net charge-offs to loans | 0.1231% | 1,555 |
| Credit loss provision to net charge-offs | 183.1081% | 1,445 |
| Earnings coverage of net charge-offs (x) | 17.9672% | 2,080 |
| Efficiency ratio | 48.3410% | 5,326 |
| Assets per employee ($millions) | 13.2808% | 133 |
| Cash dividends to net income (ytd only)* | 28.9324% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 5,100 |
| Loan loss allowance to noncurrent loans | 307.5103% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,407 |
| Noncurrent loans to loans | 0.2328% | 4,132 |
| Net loans and leases to total assets | 78.4471% | 1,206 |
| Net loans and leases to deposits | 90.9441% | 1,698 |
| Net loans and leases to core deposits | 117.6409% | 675 |
| Total domestic deposits to total assets | 86.2586% | 2,205 |
| Equity capital to assets | 11.4994% | 2,373 |
| Core capital (leverage) ratio | 9.5680% | 4,073 |
| Tier 1 risk-based capital ratio | 10.8391% | 5,322 |
| Total risk-based capital ratio | 11.5065% | 5,473 |
| Memoranda: | ||
| Average total assets | $1,407,568,250 | 544 |
| Average earning assets | $1,317,307,500 | 541 |
| Average equity | $162,596,500 | 515 |
| Average total loans | $1,121,872,750 | 487 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 4,149 |
| Cost of funding earning assets | 0.4600% | 2,509 |
| Net interest margin | 3.2638% | 4,227 |
| Noninterest income to average assets | 0.2926% | 4,458 |
| Noninterest expense to average assets | 1.6805% | 5,433 |
| Loan and lease loss provision to assets | 0.1939% | 952 |
| Net operating income to assets | 0.9184% | 2,812 |
| Return on assets (ROA) | 0.9186% | 2,864 |
| Pretax return on assets | 1.4758% | 1,735 |
| Return on Equity (ROE) | 7.9402% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.9402% | 1,192 |
| Net charge-offs to loans | 0.1267% | 1,403 |
| Credit loss provision to net charge-offs | 191.5014% | 1,314 |
| Earnings coverage of net charge-offs (x) | 16.4830% | 1,980 |
| Efficiency ratio | 50.0514% | 5,305 |
| Assets per employee ($millions) | 13.8955% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7047% | 5,198 |
| Loan loss allowance to noncurrent loans | 236.3259% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,238 |
| Noncurrent loans to loans | 0.2982% | 3,975 |
| Net loans and leases to total assets | 79.2876% | 1,052 |
| Net loans and leases to deposits | 92.9110% | 1,371 |
| Net loans and leases to core deposits | 121.6724% | 496 |
| Total domestic deposits to total assets | 85.3371% | 2,681 |
| Equity capital to assets | 11.6685% | 2,177 |
| Core capital (leverage) ratio | 9.6287% | 3,987 |
| Tier 1 risk-based capital ratio | 10.7896% | 5,343 |
| Total risk-based capital ratio | 11.4412% | 5,516 |
| Memoranda: | ||
| Average total assets | $1,394,221,000 | 551 |
| Average earning assets | $1,305,981,330 | 547 |
| Average equity | $161,306,330 | 519 |
| Average total loans | $1,114,564,670 | 486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 4,424 |
| Cost of funding earning assets | 0.4327% | 2,691 |
| Net interest margin | 3.1656% | 4,448 |
| Noninterest income to average assets | 0.2644% | 4,649 |
| Noninterest expense to average assets | 1.6695% | 5,500 |
| Loan and lease loss provision to assets | 0.1953% | 854 |
| Net operating income to assets | 0.8592% | 2,949 |
| Return on assets (ROA) | 0.8592% | 2,996 |
| Pretax return on assets | 1.3710% | 1,983 |
| Return on Equity (ROE) | 7.4591% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.4591% | 1,669 |
| Net charge-offs to loans | 0.1750% | 950 |
| Credit loss provision to net charge-offs | 139.4628% | 1,264 |
| Earnings coverage of net charge-offs (x) | 11.1860% | 1,904 |
| Efficiency ratio | 51.4707% | 5,292 |
| Assets per employee ($millions) | 12.0937% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 5,341 |
| Loan loss allowance to noncurrent loans | 170.0113% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 3,004 |
| Noncurrent loans to loans | 0.4024% | 3,652 |
| Net loans and leases to total assets | 79.2139% | 947 |
| Net loans and leases to deposits | 91.5699% | 1,372 |
| Net loans and leases to core deposits | 119.0865% | 485 |
| Total domestic deposits to total assets | 86.5064% | 2,436 |
| Equity capital to assets | 11.6810% | 2,053 |
| Core capital (leverage) ratio | 9.6500% | 3,925 |
| Tier 1 risk-based capital ratio | 10.8075% | 5,403 |
| Total risk-based capital ratio | 11.6481% | 5,510 |
| Memoranda: | ||
| Average total assets | $1,382,660,000 | 558 |
| Average earning assets | $1,297,807,000 | 552 |
| Average equity | $159,268,500 | 523 |
| Average total loans | $1,105,970,500 | 486 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,379 |
| Cost of funding earning assets | 0.4237% | 2,770 |
| Net interest margin | 3.2227% | 4,371 |
| Noninterest income to average assets | 0.4229% | 3,725 |
| Noninterest expense to average assets | 1.6918% | 5,575 |
| Loan and lease loss provision to assets | 0.1985% | 1,173 |
| Net operating income to assets | 0.8921% | 2,869 |
| Return on assets (ROA) | 0.9123% | 2,868 |
| Pretax return on assets | 1.4839% | 1,642 |
| Return on Equity (ROE) | 8.0564% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.0564% | 842 |
| Net charge-offs to loans | 0.1906% | 1,452 |
| Credit loss provision to net charge-offs | 133.9642% | 2,020 |
| Earnings coverage of net charge-offs (x) | 11.1412% | 2,562 |
| Efficiency ratio | 50.4728% | 5,468 |
| Assets per employee ($millions) | 12.0578% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 5,430 |
| Loan loss allowance to noncurrent loans | 131.2399% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,959 |
| Noncurrent loans to loans | 0.5025% | 3,348 |
| Net loans and leases to total assets | 79.6874% | 936 |
| Net loans and leases to deposits | 91.0437% | 1,573 |
| Net loans and leases to core deposits | 119.0750% | 512 |
| Total domestic deposits to total assets | 87.5266% | 1,858 |
| Equity capital to assets | 11.3579% | 2,284 |
| Core capital (leverage) ratio | 9.1372% | 4,572 |
| Tier 1 risk-based capital ratio | 10.4015% | 5,614 |
| Total risk-based capital ratio | 11.2146% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,319,407,400 | 558 |
| Average earning assets | $1,195,351,600 | 562 |
| Average equity | $149,408,800 | 530 |
| Average total loans | $1,025,753,600 | 499 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,364 |
| Cost of funding earning assets | 0.4028% | 2,994 |
| Net interest margin | 3.2597% | 4,314 |
| Noninterest income to average assets | 0.4483% | 3,572 |
| Noninterest expense to average assets | 1.6730% | 5,626 |
| Loan and lease loss provision to assets | 0.1578% | 1,471 |
| Net operating income to assets | 0.9475% | 2,668 |
| Return on assets (ROA) | 0.9669% | 2,717 |
| Pretax return on assets | 1.5727% | 1,455 |
| Return on Equity (ROE) | 8.5451% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.5451% | 963 |
| Net charge-offs to loans | 0.1697% | 1,353 |
| Credit loss provision to net charge-offs | 120.6573% | 2,081 |
| Earnings coverage of net charge-offs (x) | 12.9976% | 2,343 |
| Efficiency ratio | 49.4508% | 5,534 |
| Assets per employee ($millions) | 12.3575% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6520% | 5,523 |
| Loan loss allowance to noncurrent loans | 117.2583% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 2,995 |
| Noncurrent loans to loans | 0.5560% | 3,329 |
| Net loans and leases to total assets | 75.6996% | 1,575 |
| Net loans and leases to deposits | 88.0982% | 2,001 |
| Net loans and leases to core deposits | 119.8016% | 513 |
| Total domestic deposits to total assets | 85.9264% | 2,396 |
| Equity capital to assets | 11.1548% | 2,848 |
| Core capital (leverage) ratio | 9.0886% | 4,732 |
| Tier 1 risk-based capital ratio | 10.3773% | 5,667 |
| Total risk-based capital ratio | 11.1825% | 5,774 |
| Memoranda: | ||
| Average total assets | $1,302,598,750 | 565 |
| Average earning assets | $1,168,839,250 | 576 |
| Average equity | $147,387,500 | 538 |
| Average total loans | $1,004,113,500 | 507 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 4,292 |
| Cost of funding earning assets | 0.3824% | 3,234 |
| Net interest margin | 3.3210% | 4,155 |
| Noninterest income to average assets | 0.4369% | 3,625 |
| Noninterest expense to average assets | 1.6493% | 5,724 |
| Loan and lease loss provision to assets | 0.1221% | 1,873 |
| Net operating income to assets | 0.9834% | 2,455 |
| Return on assets (ROA) | 1.0131% | 2,467 |
| Pretax return on assets | 1.6476% | 1,227 |
| Return on Equity (ROE) | 8.9077% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.9077% | 877 |
| Net charge-offs to loans | 0.0309% | 2,852 |
| Credit loss provision to net charge-offs | 510.5263% | 640 |
| Earnings coverage of net charge-offs (x) | 72.0658% | 757 |
| Efficiency ratio | 48.7499% | 5,637 |
| Assets per employee ($millions) | 11.9714% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 5,490 |
| Loan loss allowance to noncurrent loans | 94.2637% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.7811% | 2,648 |
| Noncurrent loans to loans | 0.7565% | 2,850 |
| Net loans and leases to total assets | 76.7911% | 1,368 |
| Net loans and leases to deposits | 90.7857% | 1,658 |
| Net loans and leases to core deposits | 120.9017% | 494 |
| Total domestic deposits to total assets | 84.5851% | 3,055 |
| Equity capital to assets | 11.3810% | 2,665 |
| Core capital (leverage) ratio | 9.5466% | 4,143 |
| Tier 1 risk-based capital ratio | 10.3038% | 5,761 |
| Total risk-based capital ratio | 11.1644% | 5,830 |
| Memoranda: | ||
| Average total assets | $1,271,330,670 | 579 |
| Average earning assets | $1,123,825,330 | 596 |
| Average equity | $144,594,670 | 553 |
| Average total loans | $984,148,330 | 516 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,360 |
| Cost of funding earning assets | 0.3613% | 3,489 |
| Net interest margin | 3.3280% | 4,115 |
| Noninterest income to average assets | 0.4594% | 3,421 |
| Noninterest expense to average assets | 1.6530% | 5,789 |
| Loan and lease loss provision to assets | 0.1313% | 1,610 |
| Net operating income to assets | 1.0202% | 2,193 |
| Return on assets (ROA) | 1.0575% | 2,170 |
| Pretax return on assets | 1.7190% | 1,022 |
| Return on Equity (ROE) | 9.3010% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.3010% | 1,027 |
| Net charge-offs to loans | -0.0050% | 4,291 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8228% | 5,732 |
| Assets per employee ($millions) | 10.8088% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 5,509 |
| Loan loss allowance to noncurrent loans | 100.7861% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 2,946 |
| Noncurrent loans to loans | 0.7371% | 2,992 |
| Net loans and leases to total assets | 76.5154% | 1,318 |
| Net loans and leases to deposits | 91.8595% | 1,364 |
| Net loans and leases to core deposits | 120.1182% | 461 |
| Total domestic deposits to total assets | 83.2961% | 3,794 |
| Equity capital to assets | 11.4589% | 2,476 |
| Core capital (leverage) ratio | 9.2589% | 4,541 |
| Tier 1 risk-based capital ratio | 10.3582% | 5,803 |
| Total risk-based capital ratio | 11.2642% | 5,860 |
| Memoranda: | ||
| Average total assets | $1,242,584,000 | 587 |
| Average earning assets | $1,114,793,500 | 599 |
| Average equity | $141,275,500 | 559 |
| Average total loans | $962,348,500 | 523 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,480 |
| Cost of funding earning assets | 0.3810% | 3,353 |
| Net interest margin | 3.2820% | 4,363 |
| Noninterest income to average assets | 0.4541% | 3,632 |
| Noninterest expense to average assets | 1.7083% | 5,833 |
| Loan and lease loss provision to assets | 0.2876% | 612 |
| Net operating income to assets | 0.8903% | 2,926 |
| Return on assets (ROA) | 0.8937% | 2,989 |
| Pretax return on assets | 1.4542% | 1,702 |
| Return on Equity (ROE) | 7.7334% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.7334% | 1,003 |
| Net charge-offs to loans | 0.2164% | 1,362 |
| Credit loss provision to net charge-offs | 171.6710% | 1,575 |
| Earnings coverage of net charge-offs (x) | 10.3650% | 2,691 |
| Efficiency ratio | 49.2223% | 5,787 |
| Assets per employee ($millions) | 10.3475% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,625 |
| Loan loss allowance to noncurrent loans | 124.5763% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,959 |
| Noncurrent loans to loans | 0.5665% | 3,476 |
| Net loans and leases to total assets | 77.2641% | 1,217 |
| Net loans and leases to deposits | 93.1716% | 1,295 |
| Net loans and leases to core deposits | 119.5720% | 486 |
| Total domestic deposits to total assets | 82.9267% | 3,859 |
| Equity capital to assets | 11.2784% | 2,561 |
| Core capital (leverage) ratio | 9.1998% | 4,619 |
| Tier 1 risk-based capital ratio | 10.3041% | 5,861 |
| Total risk-based capital ratio | 11.1917% | 5,912 |
| Memoranda: | ||
| Average total assets | $1,160,915,200 | 606 |
| Average earning assets | $1,057,904,600 | 607 |
| Average equity | $134,158,800 | 568 |
| Average total loans | $898,856,800 | 526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,393 |
| Cost of funding earning assets | 0.3948% | 3,274 |
| Net interest margin | 3.3134% | 4,285 |
| Noninterest income to average assets | 0.4583% | 3,652 |
| Noninterest expense to average assets | 1.7280% | 5,874 |
| Loan and lease loss provision to assets | 0.3200% | 437 |
| Net operating income to assets | 0.8648% | 3,113 |
| Return on assets (ROA) | 0.8693% | 3,173 |
| Pretax return on assets | 1.4174% | 1,941 |
| Return on Equity (ROE) | 7.4737% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.4737% | 1,463 |
| Net charge-offs to loans | 0.0336% | 3,242 |
| Credit loss provision to net charge-offs | 1,230.4933% | 311 |
| Earnings coverage of net charge-offs (x) | 66.5372% | 842 |
| Efficiency ratio | 49.5313% | 5,801 |
| Assets per employee ($millions) | 9.7963% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 5,365 |
| Loan loss allowance to noncurrent loans | 183.2791% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 3,412 |
| Noncurrent loans to loans | 0.4647% | 3,963 |
| Net loans and leases to total assets | 76.2544% | 1,352 |
| Net loans and leases to deposits | 91.9422% | 1,415 |
| Net loans and leases to core deposits | 119.7835% | 474 |
| Total domestic deposits to total assets | 82.9373% | 3,837 |
| Equity capital to assets | 11.3728% | 2,616 |
| Core capital (leverage) ratio | 9.1641% | 4,783 |
| Tier 1 risk-based capital ratio | 10.1506% | 5,998 |
| Total risk-based capital ratio | 11.1562% | 6,030 |
| Memoranda: | ||
| Average total assets | $1,143,305,750 | 620 |
| Average earning assets | $1,035,205,000 | 629 |
| Average equity | $132,979,250 | 577 |
| Average total loans | $884,032,000 | 537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,287 |
| Cost of funding earning assets | 0.4088% | 3,178 |
| Net interest margin | 3.3289% | 4,177 |
| Noninterest income to average assets | 0.4874% | 3,459 |
| Noninterest expense to average assets | 1.7302% | 5,942 |
| Loan and lease loss provision to assets | 0.4279% | 257 |
| Net operating income to assets | 0.8207% | 3,276 |
| Return on assets (ROA) | 0.8269% | 3,348 |
| Pretax return on assets | 1.3472% | 2,188 |
| Return on Equity (ROE) | 7.0533% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.0533% | 1,677 |
| Net charge-offs to loans | 0.0448% | 2,801 |
| Credit loss provision to net charge-offs | 1,231.7949% | 291 |
| Earnings coverage of net charge-offs (x) | 50.8256% | 946 |
| Efficiency ratio | 48.9248% | 5,908 |
| Assets per employee ($millions) | 9.6392% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 5,471 |
| Loan loss allowance to noncurrent loans | 190.2635% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,547 |
| Noncurrent loans to loans | 0.4463% | 4,135 |
| Net loans and leases to total assets | 77.1859% | 1,183 |
| Net loans and leases to deposits | 91.7612% | 1,401 |
| Net loans and leases to core deposits | 115.6188% | 603 |
| Total domestic deposits to total assets | 84.1161% | 3,515 |
| Equity capital to assets | 11.5451% | 2,376 |
| Core capital (leverage) ratio | 9.2517% | 4,618 |
| Tier 1 risk-based capital ratio | 10.2586% | 6,013 |
| Total risk-based capital ratio | 11.7223% | 5,876 |
| Memoranda: | ||
| Average total assets | $1,122,759,670 | 633 |
| Average earning assets | $1,014,629,000 | 640 |
| Average equity | $131,627,000 | 579 |
| Average total loans | $869,804,330 | 544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 3,961 |
| Cost of funding earning assets | 0.4124% | 3,165 |
| Net interest margin | 3.3996% | 3,846 |
| Noninterest income to average assets | 0.5525% | 2,936 |
| Noninterest expense to average assets | 1.7497% | 5,959 |
| Loan and lease loss provision to assets | 0.0832% | 2,307 |
| Net operating income to assets | 1.0720% | 1,968 |
| Return on assets (ROA) | 1.0837% | 2,038 |
| Pretax return on assets | 1.7691% | 922 |
| Return on Equity (ROE) | 9.1720% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.1720% | 1,139 |
| Net charge-offs to loans | 0.0694% | 2,034 |
| Credit loss provision to net charge-offs | 155.0336% | 1,226 |
| Earnings coverage of net charge-offs (x) | 34.1745% | 1,065 |
| Efficiency ratio | 47.8995% | 6,026 |
| Assets per employee ($millions) | 9.5773% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 6,042 |
| Loan loss allowance to noncurrent loans | 136.6067% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6580% | 3,522 |
| Noncurrent loans to loans | 0.4504% | 4,234 |
| Net loans and leases to total assets | 78.1345% | 904 |
| Net loans and leases to deposits | 91.2387% | 1,264 |
| Net loans and leases to core deposits | 119.5823% | 422 |
| Total domestic deposits to total assets | 85.6375% | 3,119 |
| Equity capital to assets | 11.8051% | 2,190 |
| Core capital (leverage) ratio | 9.4433% | 4,363 |
| Tier 1 risk-based capital ratio | 9.9807% | 6,171 |
| Total risk-based capital ratio | 11.2189% | 6,136 |
| Memoranda: | ||
| Average total assets | $1,110,610,000 | 637 |
| Average earning assets | $990,247,500 | 649 |
| Average equity | $131,226,000 | 579 |
| Average total loans | $858,231,500 | 545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,222 |
| Cost of funding earning assets | 0.4423% | 3,246 |
| Net interest margin | 3.4328% | 4,054 |
| Noninterest income to average assets | 0.3009% | 4,968 |
| Noninterest expense to average assets | 1.8352% | 6,024 |
| Loan and lease loss provision to assets | 0.2360% | 1,015 |
| Net operating income to assets | 0.7996% | 3,376 |
| Return on assets (ROA) | 0.8008% | 3,468 |
| Pretax return on assets | 1.3228% | 2,168 |
| Return on Equity (ROE) | 6.7272% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7272% | 1,531 |
| Net charge-offs to loans | 0.3089% | 1,424 |
| Credit loss provision to net charge-offs | 98.7034% | 2,457 |
| Earnings coverage of net charge-offs (x) | 6.5105% | 3,182 |
| Efficiency ratio | 52.9736% | 5,915 |
| Assets per employee ($millions) | 9.4878% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 6,067 |
| Loan loss allowance to noncurrent loans | 123.1749% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 3,924 |
| Noncurrent loans to loans | 0.5311% | 4,071 |
| Net loans and leases to total assets | 75.3887% | 1,354 |
| Net loans and leases to deposits | 91.2339% | 1,374 |
| Net loans and leases to core deposits | 110.4497% | 755 |
| Total domestic deposits to total assets | 82.6324% | 4,205 |
| Equity capital to assets | 11.8266% | 2,149 |
| Core capital (leverage) ratio | 9.4375% | 4,328 |
| Tier 1 risk-based capital ratio | 10.6052% | 6,060 |
| Total risk-based capital ratio | 11.1984% | 6,228 |
| Memoranda: | ||
| Average total assets | $1,032,037,800 | 655 |
| Average earning assets | $929,360,400 | 660 |
| Average equity | $122,860,000 | 596 |
| Average total loans | $798,916,400 | 553 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,217 |
| Cost of funding earning assets | 0.4472% | 3,287 |
| Net interest margin | 3.4394% | 4,070 |
| Noninterest income to average assets | 0.2746% | 5,241 |
| Noninterest expense to average assets | 1.8543% | 6,020 |
| Loan and lease loss provision to assets | 0.3389% | 532 |
| Net operating income to assets | 0.7186% | 3,845 |
| Return on assets (ROA) | 0.7198% | 3,944 |
| Pretax return on assets | 1.1890% | 2,823 |
| Return on Equity (ROE) | 6.0359% | 4,212 |
| Retained earnings to average equity (ytd only) | 6.0359% | 2,388 |
| Net charge-offs to loans | 0.4069% | 971 |
| Credit loss provision to net charge-offs | 107.0364% | 2,080 |
| Earnings coverage of net charge-offs (x) | 4.8195% | 3,373 |
| Efficiency ratio | 53.6988% | 5,851 |
| Assets per employee ($millions) | 9.0169% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 6,088 |
| Loan loss allowance to noncurrent loans | 92.9839% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 3,396 |
| Noncurrent loans to loans | 0.7622% | 3,691 |
| Net loans and leases to total assets | 75.7981% | 1,246 |
| Net loans and leases to deposits | 87.0319% | 1,784 |
| Net loans and leases to core deposits | 105.9113% | 964 |
| Total domestic deposits to total assets | 87.0924% | 2,266 |
| Equity capital to assets | 11.9436% | 2,108 |
| Core capital (leverage) ratio | 9.4926% | 4,391 |
| Tier 1 risk-based capital ratio | 10.6010% | 6,172 |
| Total risk-based capital ratio | 11.3788% | 6,280 |
| Memoranda: | ||
| Average total assets | $1,017,272,750 | 660 |
| Average earning assets | $918,614,000 | 664 |
| Average equity | $121,315,000 | 600 |
| Average total loans | $791,650,250 | 556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 4,238 |
| Cost of funding earning assets | 0.4506% | 3,325 |
| Net interest margin | 3.4255% | 4,079 |
| Noninterest income to average assets | 0.2687% | 5,284 |
| Noninterest expense to average assets | 1.8827% | 6,026 |
| Loan and lease loss provision to assets | 0.4122% | 406 |
| Net operating income to assets | 0.6500% | 4,099 |
| Return on assets (ROA) | 0.6512% | 4,191 |
| Pretax return on assets | 1.0745% | 3,196 |
| Return on Equity (ROE) | 5.4632% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.4632% | 2,659 |
| Net charge-offs to loans | 0.2934% | 1,371 |
| Credit loss provision to net charge-offs | 179.3610% | 1,272 |
| Earnings coverage of net charge-offs (x) | 6.4611% | 2,770 |
| Efficiency ratio | 54.7265% | 5,851 |
| Assets per employee ($millions) | 8.9269% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 5,955 |
| Loan loss allowance to noncurrent loans | 70.8580% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.1332% | 2,808 |
| Noncurrent loans to loans | 1.1411% | 2,950 |
| Net loans and leases to total assets | 78.0526% | 902 |
| Net loans and leases to deposits | 89.9834% | 1,374 |
| Net loans and leases to core deposits | 110.6026% | 671 |
| Total domestic deposits to total assets | 86.7411% | 2,611 |
| Equity capital to assets | 12.0504% | 1,941 |
| Core capital (leverage) ratio | 9.3183% | 4,565 |
| Tier 1 risk-based capital ratio | 10.3579% | 6,296 |
| Total risk-based capital ratio | 11.3404% | 6,327 |
| Memoranda: | ||
| Average total assets | $1,007,711,670 | 666 |
| Average earning assets | $911,623,670 | 667 |
| Average equity | $120,111,670 | 601 |
| Average total loans | $789,375,670 | 553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,182 |
| Cost of funding earning assets | 0.4554% | 3,373 |
| Net interest margin | 3.4233% | 4,015 |
| Noninterest income to average assets | 0.2457% | 5,395 |
| Noninterest expense to average assets | 1.9116% | 6,048 |
| Loan and lease loss provision to assets | -0.0323% | 6,436 |
| Net operating income to assets | 0.8969% | 2,672 |
| Return on assets (ROA) | 0.8979% | 2,727 |
| Pretax return on assets | 1.4776% | 1,495 |
| Return on Equity (ROE) | 7.5759% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.5759% | 1,781 |
| Net charge-offs to loans | 0.0480% | 2,713 |
| Credit loss provision to net charge-offs | -86.1702% | 4,817 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 899 |
| Efficiency ratio | 55.7841% | 5,858 |
| Assets per employee ($millions) | 8.6878% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 6,293 |
| Loan loss allowance to noncurrent loans | 63.4109% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 3,567 |
| Noncurrent loans to loans | 1.0940% | 3,233 |
| Net loans and leases to total assets | 77.6702% | 800 |
| Net loans and leases to deposits | 91.3605% | 1,000 |
| Net loans and leases to core deposits | 110.2319% | 579 |
| Total domestic deposits to total assets | 85.0151% | 3,859 |
| Equity capital to assets | 12.0490% | 1,838 |
| Core capital (leverage) ratio | 9.3388% | 4,513 |
| Tier 1 risk-based capital ratio | 10.4956% | 6,337 |
| Total risk-based capital ratio | 11.2095% | 6,460 |
| Memoranda: | ||
| Average total assets | $1,002,732,500 | 673 |
| Average earning assets | $910,812,000 | 673 |
| Average equity | $118,851,000 | 607 |
| Average total loans | $783,667,000 | 557 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 4,321 |
| Cost of funding earning assets | 0.5359% | 3,242 |
| Net interest margin | 3.4039% | 4,257 |
| Noninterest income to average assets | 0.2627% | 5,466 |
| Noninterest expense to average assets | 1.8058% | 6,307 |
| Loan and lease loss provision to assets | 0.0830% | 3,461 |
| Net operating income to assets | 0.9036% | 2,759 |
| Return on assets (ROA) | 0.9036% | 2,842 |
| Pretax return on assets | 1.4971% | 1,458 |
| Return on Equity (ROE) | 7.4978% | 3,297 |
| Retained earnings to average equity (ytd only) | 1.6434% | 5,050 |
| Net charge-offs to loans | 0.1855% | 2,980 |
| Credit loss provision to net charge-offs | 58.4517% | 3,610 |
| Earnings coverage of net charge-offs (x) | 11.1328% | 2,273 |
| Efficiency ratio | 51.9068% | 6,304 |
| Assets per employee ($millions) | 8.6755% | 371 |
| Cash dividends to net income (ytd only)* | 78.0814% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 6,322 |
| Loan loss allowance to noncurrent loans | 64.3953% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 3,699 |
| Noncurrent loans to loans | 1.1111% | 3,315 |
| Net loans and leases to total assets | 77.5351% | 879 |
| Net loans and leases to deposits | 92.9663% | 964 |
| Net loans and leases to core deposits | 109.3838% | 635 |
| Total domestic deposits to total assets | 83.4013% | 4,398 |
| Equity capital to assets | 11.6578% | 2,058 |
| Core capital (leverage) ratio | 9.3547% | 4,466 |
| Tier 1 risk-based capital ratio | 10.2923% | 6,436 |
| Total risk-based capital ratio | 11.0325% | 6,527 |
| Memoranda: | ||
| Average total assets | $992,126,200 | 663 |
| Average earning assets | $910,276,800 | 655 |
| Average equity | $119,568,600 | 595 |
| Average total loans | $758,853,600 | 555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 4,197 |
| Cost of funding earning assets | 0.5648% | 3,124 |
| Net interest margin | 3.4189% | 4,214 |
| Noninterest income to average assets | 0.2652% | 5,551 |
| Noninterest expense to average assets | 1.7962% | 6,342 |
| Loan and lease loss provision to assets | 0.1734% | 2,097 |
| Net operating income to assets | 0.8666% | 3,008 |
| Return on assets (ROA) | 0.8667% | 3,118 |
| Pretax return on assets | 1.4332% | 1,823 |
| Return on Equity (ROE) | 7.1321% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.9123% | 3,144 |
| Net charge-offs to loans | 0.1463% | 3,082 |
| Credit loss provision to net charge-offs | 155.8788% | 1,516 |
| Earnings coverage of net charge-offs (x) | 14.4376% | 1,947 |
| Efficiency ratio | 51.3377% | 6,305 |
| Assets per employee ($millions) | 8.2330% | 421 |
| Cash dividends to net income (ytd only)* | 31.1235% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 6,092 |
| Loan loss allowance to noncurrent loans | 54.1657% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 3,055 |
| Noncurrent loans to loans | 1.6344% | 2,719 |
| Net loans and leases to total assets | 78.2758% | 718 |
| Net loans and leases to deposits | 92.7286% | 921 |
| Net loans and leases to core deposits | 110.1234% | 576 |
| Total domestic deposits to total assets | 84.4138% | 4,020 |
| Equity capital to assets | 12.6585% | 1,499 |
| Core capital (leverage) ratio | 9.7345% | 4,054 |
| Tier 1 risk-based capital ratio | 11.0690% | 6,249 |
| Total risk-based capital ratio | 11.8823% | 6,384 |
| Memoranda: | ||
| Average total assets | $988,567,000 | 665 |
| Average earning assets | $907,212,750 | 657 |
| Average equity | $120,130,750 | 599 |
| Average total loans | $752,090,000 | 559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,288 |
| Cost of funding earning assets | 0.5986% | 2,959 |
| Net interest margin | 3.3529% | 4,368 |
| Noninterest income to average assets | 0.2791% | 5,459 |
| Noninterest expense to average assets | 1.7905% | 6,390 |
| Loan and lease loss provision to assets | 0.2399% | 1,550 |
| Net operating income to assets | 0.8056% | 3,261 |
| Return on assets (ROA) | 0.8056% | 3,414 |
| Pretax return on assets | 1.3303% | 2,188 |
| Return on Equity (ROE) | 6.7186% | 3,763 |
| Retained earnings to average equity (ytd only) | 3.3818% | 4,170 |
| Net charge-offs to loans | 0.1956% | 2,589 |
| Credit loss provision to net charge-offs | 163.1293% | 1,439 |
| Earnings coverage of net charge-offs (x) | 10.6789% | 2,136 |
| Efficiency ratio | 51.8186% | 6,291 |
| Assets per employee ($millions) | 8.3589% | 402 |
| Cash dividends to net income (ytd only)* | 49.6648% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,234 |
| Loan loss allowance to noncurrent loans | 56.3051% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2084% | 3,329 |
| Noncurrent loans to loans | 1.5265% | 3,012 |
| Net loans and leases to total assets | 78.4816% | 699 |
| Net loans and leases to deposits | 92.7701% | 902 |
| Net loans and leases to core deposits | 109.3137% | 590 |
| Total domestic deposits to total assets | 84.5979% | 4,088 |
| Equity capital to assets | 12.0353% | 1,892 |
| Core capital (leverage) ratio | 9.1199% | 4,804 |
| Tier 1 risk-based capital ratio | 10.2349% | 6,579 |
| Total risk-based capital ratio | 11.1844% | 6,628 |
| Memoranda: | ||
| Average total assets | $999,746,000 | 659 |
| Average earning assets | $918,834,000 | 650 |
| Average equity | $119,877,000 | 603 |
| Average total loans | $751,375,330 | 554 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 4,483 |
| Cost of funding earning assets | 0.6107% | 3,006 |
| Net interest margin | 3.2852% | 4,573 |
| Noninterest income to average assets | 0.3470% | 4,908 |
| Noninterest expense to average assets | 1.7269% | 6,527 |
| Loan and lease loss provision to assets | 0.2035% | 1,822 |
| Net operating income to assets | 0.8708% | 2,802 |
| Return on assets (ROA) | 0.8708% | 2,950 |
| Pretax return on assets | 1.4356% | 1,755 |
| Return on Equity (ROE) | 7.2754% | 3,339 |
| Retained earnings to average equity (ytd only) | 0.6342% | 5,574 |
| Net charge-offs to loans | 0.0706% | 3,136 |
| Credit loss provision to net charge-offs | 393.8462% | 646 |
| Earnings coverage of net charge-offs (x) | 31.7231% | 938 |
| Efficiency ratio | 49.8524% | 6,511 |
| Assets per employee ($millions) | 8.7212% | 355 |
| Cash dividends to net income (ytd only)* | 91.2825% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 6,297 |
| Loan loss allowance to noncurrent loans | 53.1714% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 3,493 |
| Noncurrent loans to loans | 1.6646% | 3,049 |
| Net loans and leases to total assets | 73.6786% | 1,122 |
| Net loans and leases to deposits | 87.2841% | 1,216 |
| Net loans and leases to core deposits | 103.2288% | 752 |
| Total domestic deposits to total assets | 84.4125% | 4,309 |
| Equity capital to assets | 11.8933% | 2,114 |
| Core capital (leverage) ratio | 8.9874% | 4,906 |
| Tier 1 risk-based capital ratio | 10.2847% | 6,640 |
| Total risk-based capital ratio | 11.4317% | 6,647 |
| Memoranda: | ||
| Average total assets | $1,006,441,500 | 664 |
| Average earning assets | $924,869,000 | 652 |
| Average equity | $120,460,000 | 610 |
| Average total loans | $736,654,000 | 572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 4,634 |
| Cost of funding earning assets | 0.7438% | 3,128 |
| Net interest margin | 3.4459% | 4,716 |
| Noninterest income to average assets | 0.2869% | 5,420 |
| Noninterest expense to average assets | 1.8959% | 6,495 |
| Loan and lease loss provision to assets | 0.0799% | 4,708 |
| Net operating income to assets | 0.8350% | 3,118 |
| Return on assets (ROA) | 0.8767% | 3,166 |
| Pretax return on assets | 1.4472% | 1,867 |
| Return on Equity (ROE) | 7.1204% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.1204% | 1,513 |
| Net charge-offs to loans | -0.0788% | 6,785 |
| Credit loss provision to net charge-offs | -140.3346% | 6,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8870% | 6,190 |
| Assets per employee ($millions) | 8.4849% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,322 |
| Loan loss allowance to noncurrent loans | 68.0099% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 3,985 |
| Noncurrent loans to loans | 1.2902% | 3,679 |
| Net loans and leases to total assets | 71.4073% | 1,588 |
| Net loans and leases to deposits | 84.3227% | 1,718 |
| Net loans and leases to core deposits | 100.1933% | 1,015 |
| Total domestic deposits to total assets | 84.6833% | 3,995 |
| Equity capital to assets | 12.0453% | 2,016 |
| Core capital (leverage) ratio | 8.9909% | 4,911 |
| Tier 1 risk-based capital ratio | 10.7452% | 6,454 |
| Total risk-based capital ratio | 11.5348% | 6,587 |
| Memoranda: | ||
| Average total assets | $944,831,400 | 697 |
| Average earning assets | $842,047,200 | 710 |
| Average equity | $116,327,600 | 617 |
| Average total loans | $682,372,400 | 607 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 4,621 |
| Cost of funding earning assets | 0.7673% | 3,216 |
| Net interest margin | 3.4889% | 4,685 |
| Noninterest income to average assets | 0.2957% | 5,409 |
| Noninterest expense to average assets | 1.8444% | 6,623 |
| Loan and lease loss provision to assets | -0.1007% | 7,037 |
| Net operating income to assets | 0.9904% | 2,557 |
| Return on assets (ROA) | 1.0035% | 2,713 |
| Pretax return on assets | 1.6574% | 1,395 |
| Return on Equity (ROE) | 8.1033% | 3,238 |
| Retained earnings to average equity (ytd only) | 8.1033% | 1,574 |
| Net charge-offs to loans | -0.3865% | 7,079 |
| Credit loss provision to net charge-offs | 36.0513% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9683% | 6,354 |
| Assets per employee ($millions) | 8.4458% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 6,414 |
| Loan loss allowance to noncurrent loans | 54.7777% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 3,727 |
| Noncurrent loans to loans | 1.6212% | 3,362 |
| Net loans and leases to total assets | 71.5724% | 1,631 |
| Net loans and leases to deposits | 86.9036% | 1,494 |
| Net loans and leases to core deposits | 104.4960% | 843 |
| Total domestic deposits to total assets | 82.3584% | 4,893 |
| Equity capital to assets | 12.2086% | 2,109 |
| Core capital (leverage) ratio | 9.2327% | 4,697 |
| Tier 1 risk-based capital ratio | 10.5812% | 6,640 |
| Total risk-based capital ratio | 11.3652% | 6,748 |
| Memoranda: | ||
| Average total assets | $930,733,500 | 713 |
| Average earning assets | $822,980,750 | 732 |
| Average equity | $115,259,500 | 622 |
| Average total loans | $672,646,750 | 615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 4,493 |
| Cost of funding earning assets | 0.7834% | 3,332 |
| Net interest margin | 3.5354% | 4,526 |
| Noninterest income to average assets | 0.3388% | 5,115 |
| Noninterest expense to average assets | 1.8810% | 6,638 |
| Loan and lease loss provision to assets | 0.6688% | 846 |
| Net operating income to assets | 0.5544% | 4,562 |
| Return on assets (ROA) | 0.5678% | 4,779 |
| Pretax return on assets | 0.9342% | 3,947 |
| Return on Equity (ROE) | 4.5620% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.5620% | 3,566 |
| Net charge-offs to loans | 0.4895% | 2,114 |
| Credit loss provision to net charge-offs | 188.9988% | 1,497 |
| Earnings coverage of net charge-offs (x) | 4.4703% | 3,071 |
| Efficiency ratio | 52.7253% | 6,445 |
| Assets per employee ($millions) | 8.3065% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,359 |
| Loan loss allowance to noncurrent loans | 53.7874% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 3,547 |
| Noncurrent loans to loans | 1.7442% | 3,286 |
| Net loans and leases to total assets | 73.5027% | 1,332 |
| Net loans and leases to deposits | 89.5513% | 1,195 |
| Net loans and leases to core deposits | 107.7369% | 674 |
| Total domestic deposits to total assets | 82.0789% | 5,098 |
| Equity capital to assets | 12.3765% | 1,897 |
| Core capital (leverage) ratio | 9.2202% | 4,577 |
| Tier 1 risk-based capital ratio | 10.3700% | 6,734 |
| Total risk-based capital ratio | 11.2058% | 6,822 |
| Memoranda: | ||
| Average total assets | $914,407,000 | 726 |
| Average earning assets | $808,057,330 | 746 |
| Average equity | $113,809,670 | 629 |
| Average total loans | $661,033,330 | 633 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 4,507 |
| Cost of funding earning assets | 0.8143% | 3,354 |
| Net interest margin | 3.5389% | 4,527 |
| Noninterest income to average assets | 0.3645% | 4,960 |
| Noninterest expense to average assets | 1.8966% | 6,653 |
| Loan and lease loss provision to assets | 0.3782% | 1,669 |
| Net operating income to assets | 0.7369% | 3,698 |
| Return on assets (ROA) | 0.7352% | 3,944 |
| Pretax return on assets | 1.2171% | 2,847 |
| Return on Equity (ROE) | 5.8899% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.8899% | 3,023 |
| Net charge-offs to loans | 0.5452% | 1,725 |
| Credit loss provision to net charge-offs | 97.2758% | 2,417 |
| Earnings coverage of net charge-offs (x) | 4.1101% | 2,658 |
| Efficiency ratio | 52.6834% | 6,475 |
| Assets per employee ($millions) | 8.0775% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 6,813 |
| Loan loss allowance to noncurrent loans | 57.7419% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,272 |
| Noncurrent loans to loans | 1.3002% | 4,172 |
| Net loans and leases to total assets | 73.2383% | 1,178 |
| Net loans and leases to deposits | 91.8299% | 810 |
| Net loans and leases to core deposits | 110.7550% | 508 |
| Total domestic deposits to total assets | 79.7543% | 5,908 |
| Equity capital to assets | 12.5829% | 1,668 |
| Core capital (leverage) ratio | 9.1474% | 4,610 |
| Tier 1 risk-based capital ratio | 10.5608% | 6,718 |
| Total risk-based capital ratio | 11.2286% | 6,881 |
| Memoranda: | ||
| Average total assets | $906,446,000 | 732 |
| Average earning assets | $801,714,500 | 748 |
| Average equity | $113,143,500 | 628 |
| Average total loans | $646,403,500 | 643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 4,976 |
| Cost of funding earning assets | 0.9548% | 3,687 |
| Net interest margin | 3.5701% | 4,845 |
| Noninterest income to average assets | 0.3341% | 5,147 |
| Noninterest expense to average assets | 1.8136% | 6,941 |
| Loan and lease loss provision to assets | 0.5711% | 1,819 |
| Net operating income to assets | 0.6457% | 3,759 |
| Return on assets (ROA) | 0.6545% | 3,918 |
| Pretax return on assets | 1.0937% | 2,861 |
| Return on Equity (ROE) | 4.9053% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.9053% | 2,716 |
| Net charge-offs to loans | 1.0201% | 1,711 |
| Credit loss provision to net charge-offs | 82.3910% | 4,349 |
| Earnings coverage of net charge-offs (x) | 2.3819% | 4,023 |
| Efficiency ratio | 50.9017% | 6,782 |
| Assets per employee ($millions) | 8.2565% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,724 |
| Loan loss allowance to noncurrent loans | 126.8833% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,404 |
| Noncurrent loans to loans | 0.6348% | 5,447 |
| Net loans and leases to total assets | 68.2866% | 2,339 |
| Net loans and leases to deposits | 85.1886% | 1,776 |
| Net loans and leases to core deposits | 101.1959% | 1,077 |
| Total domestic deposits to total assets | 80.1592% | 5,701 |
| Equity capital to assets | 12.3817% | 1,868 |
| Core capital (leverage) ratio | 8.9702% | 4,835 |
| Tier 1 risk-based capital ratio | 10.9807% | 6,467 |
| Total risk-based capital ratio | 11.6946% | 6,693 |
| Memoranda: | ||
| Average total assets | $824,253,600 | 791 |
| Average earning assets | $722,756,400 | 824 |
| Average equity | $109,982,200 | 629 |
| Average total loans | $560,033,600 | 752 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 4,914 |
| Cost of funding earning assets | 0.9718% | 3,875 |
| Net interest margin | 3.6150% | 4,706 |
| Noninterest income to average assets | 0.3044% | 5,426 |
| Noninterest expense to average assets | 1.7573% | 7,040 |
| Loan and lease loss provision to assets | 0.6561% | 1,486 |
| Net operating income to assets | 0.6451% | 3,897 |
| Return on assets (ROA) | 0.6533% | 4,024 |
| Pretax return on assets | 1.0985% | 3,021 |
| Return on Equity (ROE) | 4.7985% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.7985% | 3,313 |
| Net charge-offs to loans | 0.9889% | 1,630 |
| Credit loss provision to net charge-offs | 98.0164% | 3,487 |
| Earnings coverage of net charge-offs (x) | 2.6020% | 3,816 |
| Efficiency ratio | 48.8260% | 6,899 |
| Assets per employee ($millions) | 8.2104% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 6,023 |
| Loan loss allowance to noncurrent loans | 100.4211% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 4,724 |
| Noncurrent loans to loans | 1.0540% | 4,797 |
| Net loans and leases to total assets | 65.9022% | 2,923 |
| Net loans and leases to deposits | 83.3169% | 2,127 |
| Net loans and leases to core deposits | 99.3628% | 1,306 |
| Total domestic deposits to total assets | 79.0983% | 5,965 |
| Equity capital to assets | 13.1550% | 1,534 |
| Core capital (leverage) ratio | 9.6523% | 3,915 |
| Tier 1 risk-based capital ratio | 11.8407% | 6,011 |
| Total risk-based capital ratio | 12.7669% | 6,224 |
| Memoranda: | ||
| Average total assets | $803,264,250 | 825 |
| Average earning assets | $709,871,750 | 845 |
| Average equity | $109,364,750 | 638 |
| Average total loans | $543,736,500 | 784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 5,058 |
| Cost of funding earning assets | 0.9696% | 4,174 |
| Net interest margin | 3.6086% | 4,695 |
| Noninterest income to average assets | 0.2529% | 5,840 |
| Noninterest expense to average assets | 1.7100% | 7,173 |
| Loan and lease loss provision to assets | 0.5512% | 1,761 |
| Net operating income to assets | 0.7253% | 3,413 |
| Return on assets (ROA) | 0.7350% | 3,485 |
| Pretax return on assets | 1.2469% | 2,318 |
| Return on Equity (ROE) | 5.3340% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.3340% | 2,786 |
| Net charge-offs to loans | 0.9177% | 1,695 |
| Credit loss provision to net charge-offs | 88.2353% | 3,508 |
| Earnings coverage of net charge-offs (x) | 2.8540% | 3,417 |
| Efficiency ratio | 47.5620% | 7,081 |
| Assets per employee ($millions) | 9.2432% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 6,123 |
| Loan loss allowance to noncurrent loans | 68.1597% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 4,127 |
| Noncurrent loans to loans | 1.5468% | 4,084 |
| Net loans and leases to total assets | 67.9116% | 2,633 |
| Net loans and leases to deposits | 87.3497% | 1,598 |
| Net loans and leases to core deposits | 107.5930% | 833 |
| Total domestic deposits to total assets | 77.7468% | 6,338 |
| Equity capital to assets | 13.8819% | 1,140 |
| Core capital (leverage) ratio | 10.1046% | 3,140 |
| Tier 1 risk-based capital ratio | 12.2169% | 5,593 |
| Total risk-based capital ratio | 13.1513% | 5,838 |
| Memoranda: | ||
| Average total assets | $789,127,000 | 849 |
| Average earning assets | $708,538,000 | 862 |
| Average equity | $108,736,670 | 642 |
| Average total loans | $537,221,670 | 797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 4,822 |
| Cost of funding earning assets | 0.9694% | 4,427 |
| Net interest margin | 3.6602% | 4,280 |
| Noninterest income to average assets | 0.3485% | 5,117 |
| Noninterest expense to average assets | 1.7903% | 7,153 |
| Loan and lease loss provision to assets | 0.2493% | 3,168 |
| Net operating income to assets | 0.9504% | 2,355 |
| Return on assets (ROA) | 0.9504% | 2,421 |
| Pretax return on assets | 1.6397% | 1,104 |
| Return on Equity (ROE) | 6.9230% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.9230% | 2,178 |
| Net charge-offs to loans | 0.3572% | 2,631 |
| Credit loss provision to net charge-offs | 102.9412% | 2,576 |
| Earnings coverage of net charge-offs (x) | 7.8004% | 1,894 |
| Efficiency ratio | 47.3313% | 7,141 |
| Assets per employee ($millions) | 9.9183% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,936 |
| Loan loss allowance to noncurrent loans | 107.7964% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.1830% | 4,585 |
| Noncurrent loans to loans | 1.0468% | 4,962 |
| Net loans and leases to total assets | 67.7220% | 2,609 |
| Net loans and leases to deposits | 85.4318% | 1,813 |
| Net loans and leases to core deposits | 104.9837% | 1,005 |
| Total domestic deposits to total assets | 79.2703% | 6,127 |
| Equity capital to assets | 13.8925% | 1,031 |
| Core capital (leverage) ratio | 9.8893% | 3,286 |
| Tier 1 risk-based capital ratio | 12.2820% | 5,452 |
| Total risk-based capital ratio | 13.2854% | 5,652 |
| Memoranda: | ||
| Average total assets | $786,235,000 | 862 |
| Average earning assets | $715,480,500 | 858 |
| Average equity | $107,930,500 | 641 |
| Average total loans | $533,038,000 | 811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 5,278 |
| Cost of funding earning assets | 1.3370% | 3,653 |
| Net interest margin | 3.5021% | 5,243 |
| Noninterest income to average assets | 0.0799% | 6,988 |
| Noninterest expense to average assets | 2.1361% | 6,760 |
| Loan and lease loss provision to assets | 1.0313% | 1,569 |
| Net operating income to assets | 0.0541% | 5,686 |
| Return on assets (ROA) | 0.1120% | 5,703 |
| Pretax return on assets | 0.1369% | 5,628 |
| Return on Equity (ROE) | 0.9548% | 5,714 |
| Retained earnings to average equity (ytd only) | 0.9548% | 5,076 |
| Net charge-offs to loans | 1.8475% | 1,126 |
| Credit loss provision to net charge-offs | 86.1819% | 5,277 |
| Earnings coverage of net charge-offs (x) | 0.9172% | 5,194 |
| Efficiency ratio | 64.5661% | 5,250 |
| Assets per employee ($millions) | 10.1144% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,779 |
| Loan loss allowance to noncurrent loans | 118.0539% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 5,126 |
| Noncurrent loans to loans | 0.9668% | 5,116 |
| Net loans and leases to total assets | 66.3365% | 3,396 |
| Net loans and leases to deposits | 83.0464% | 2,618 |
| Net loans and leases to core deposits | 101.4891% | 1,494 |
| Total domestic deposits to total assets | 79.8789% | 5,867 |
| Equity capital to assets | 13.5637% | 1,164 |
| Core capital (leverage) ratio | 9.4517% | 3,765 |
| Tier 1 risk-based capital ratio | 12.2247% | 5,278 |
| Total risk-based capital ratio | 13.2481% | 5,458 |
| Memoranda: | ||
| Average total assets | $796,451,600 | 849 |
| Average earning assets | $717,255,000 | 853 |
| Average equity | $93,418,000 | 714 |
| Average total loans | $515,898,600 | 876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 6,403 |
| Cost of funding earning assets | 1.4100% | 3,522 |
| Net interest margin | 3.1665% | 6,439 |
| Noninterest income to average assets | 0.1329% | 6,893 |
| Noninterest expense to average assets | 2.1548% | 6,730 |
| Loan and lease loss provision to assets | 0.9438% | 1,590 |
| Net operating income to assets | -0.0736% | 6,151 |
| Return on assets (ROA) | -0.0140% | 6,150 |
| Pretax return on assets | -0.0299% | 6,138 |
| Return on Equity (ROE) | -0.1244% | 6,150 |
| Retained earnings to average equity (ytd only) | -0.1244% | 5,815 |
| Net charge-offs to loans | 1.5949% | 1,236 |
| Credit loss provision to net charge-offs | 92.1709% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.8017% | 5,250 |
| Efficiency ratio | 70.7976% | 3,920 |
| Assets per employee ($millions) | 10.6637% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 5,165 |
| Loan loss allowance to noncurrent loans | 87.7535% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 4,029 |
| Noncurrent loans to loans | 1.4356% | 4,463 |
| Net loans and leases to total assets | 66.5283% | 3,568 |
| Net loans and leases to deposits | 82.2519% | 3,057 |
| Net loans and leases to core deposits | 100.1075% | 1,836 |
| Total domestic deposits to total assets | 80.8837% | 5,419 |
| Equity capital to assets | 11.3497% | 2,662 |
| Core capital (leverage) ratio | 7.3702% | 6,964 |
| Tier 1 risk-based capital ratio | 9.3777% | 7,281 |
| Total risk-based capital ratio | 12.6657% | 5,992 |
| Memoranda: | ||
| Average total assets | $798,333,750 | 853 |
| Average earning assets | $716,694,750 | 855 |
| Average equity | $90,020,750 | 738 |
| Average total loans | $512,526,750 | 883 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 6,121 |
| Cost of funding earning assets | 1.4963% | 3,275 |
| Net interest margin | 3.2118% | 6,280 |
| Noninterest income to average assets | 0.1176% | 7,016 |
| Noninterest expense to average assets | 2.1571% | 6,750 |
| Loan and lease loss provision to assets | 1.3156% | 1,037 |
| Net operating income to assets | -0.2912% | 6,464 |
| Return on assets (ROA) | -0.2790% | 6,497 |
| Pretax return on assets | -0.4628% | 6,554 |
| Return on Equity (ROE) | -2.4797% | 6,464 |
| Retained earnings to average equity (ytd only) | -2.4797% | 6,224 |
| Net charge-offs to loans | 1.7018% | 1,100 |
| Credit loss provision to net charge-offs | 122.4801% | 3,300 |
| Earnings coverage of net charge-offs (x) | 0.7761% | 4,985 |
| Efficiency ratio | 70.5085% | 4,088 |
| Assets per employee ($millions) | 10.4257% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,390 |
| Loan loss allowance to noncurrent loans | 58.7056% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 3.0132% | 2,361 |
| Noncurrent loans to loans | 2.7484% | 2,902 |
| Net loans and leases to total assets | 64.0133% | 4,261 |
| Net loans and leases to deposits | 78.7639% | 3,837 |
| Net loans and leases to core deposits | 94.2166% | 2,679 |
| Total domestic deposits to total assets | 81.2723% | 5,303 |
| Equity capital to assets | 11.2619% | 2,627 |
| Core capital (leverage) ratio | 7.1371% | 7,105 |
| Tier 1 risk-based capital ratio | 9.3574% | 7,316 |
| Total risk-based capital ratio | 12.5299% | 5,950 |
| Memoranda: | ||
| Average total assets | $794,299,000 | 859 |
| Average earning assets | $710,571,330 | 869 |
| Average equity | $89,367,000 | 729 |
| Average total loans | $501,352,330 | 906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 6,187 |
| Cost of funding earning assets | 1.6151% | 2,869 |
| Net interest margin | 3.1014% | 6,589 |
| Noninterest income to average assets | 0.1730% | 6,732 |
| Noninterest expense to average assets | 2.1517% | 6,802 |
| Loan and lease loss provision to assets | 1.7680% | 642 |
| Net operating income to assets | -0.6014% | 6,898 |
| Return on assets (ROA) | -0.5769% | 6,912 |
| Pretax return on assets | -0.9451% | 7,028 |
| Return on Equity (ROE) | -5.1301% | 6,888 |
| Retained earnings to average equity (ytd only) | -5.1301% | 6,594 |
| Net charge-offs to loans | 2.8454% | 558 |
| Credit loss provision to net charge-offs | 99.9716% | 3,455 |
| Earnings coverage of net charge-offs (x) | 0.4437% | 4,631 |
| Efficiency ratio | 71.6341% | 3,992 |
| Assets per employee ($millions) | 10.5191% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 3,999 |
| Loan loss allowance to noncurrent loans | 47.9974% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 3.4472% | 2,045 |
| Noncurrent loans to loans | 3.0877% | 2,594 |
| Net loans and leases to total assets | 61.1838% | 4,910 |
| Net loans and leases to deposits | 76.9706% | 4,227 |
| Net loans and leases to core deposits | 92.4968% | 3,047 |
| Total domestic deposits to total assets | 79.4897% | 5,955 |
| Equity capital to assets | 11.1300% | 2,657 |
| Core capital (leverage) ratio | 7.0978% | 7,173 |
| Tier 1 risk-based capital ratio | 9.5325% | 7,290 |
| Total risk-based capital ratio | 12.7391% | 5,671 |
| Memoranda: | ||
| Average total assets | $795,270,500 | 874 |
| Average earning assets | $708,580,500 | 887 |
| Average equity | $89,433,500 | 730 |
| Average total loans | $494,263,000 | 947 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 6,600 |
| Cost of funding earning assets | 2.1944% | 2,064 |
| Net interest margin | 2.7508% | 7,141 |
| Noninterest income to average assets | 0.1866% | 6,753 |
| Noninterest expense to average assets | 1.7104% | 7,692 |
| Loan and lease loss provision to assets | 2.9364% | 603 |
| Net operating income to assets | -1.2397% | 6,729 |
| Return on assets (ROA) | -1.2251% | 6,725 |
| Pretax return on assets | -2.0057% | 6,946 |
| Return on Equity (ROE) | -10.6437% | 6,665 |
| Retained earnings to average equity (ytd only) | -10.6437% | 6,563 |
| Net charge-offs to loans | 4.0823% | 399 |
| Credit loss provision to net charge-offs | 111.4235% | 4,931 |
| Earnings coverage of net charge-offs (x) | 0.3445% | 5,770 |
| Efficiency ratio | 63.3231% | 5,906 |
| Assets per employee ($millions) | 10.5479% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 3,751 |
| Loan loss allowance to noncurrent loans | 53.0646% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.8185% | 2,487 |
| Noncurrent loans to loans | 2.8185% | 2,738 |
| Net loans and leases to total assets | 61.2667% | 5,147 |
| Net loans and leases to deposits | 76.7517% | 4,615 |
| Net loans and leases to core deposits | 105.7061% | 3,371 |
| Total domestic deposits to total assets | 79.8246% | 5,721 |
| Equity capital to assets | 11.3625% | 2,425 |
| Core capital (leverage) ratio | 7.1048% | 7,150 |
| Tier 1 risk-based capital ratio | 9.9125% | 6,943 |
| Total risk-based capital ratio | 13.1639% | 4,972 |
| Memoranda: | ||
| Average total assets | $731,447,800 | 930 |
| Average earning assets | $646,586,200 | 965 |
| Average equity | $84,190,800 | 762 |
| Average total loans | $472,190,000 | 1,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 6,508 |
| Cost of funding earning assets | 2.2714% | 2,105 |
| Net interest margin | 2.7601% | 7,117 |
| Noninterest income to average assets | 0.2008% | 6,778 |
| Noninterest expense to average assets | 1.6218% | 7,812 |
| Loan and lease loss provision to assets | 2.8403% | 546 |
| Net operating income to assets | -1.1120% | 6,909 |
| Return on assets (ROA) | -1.0921% | 6,896 |
| Pretax return on assets | -1.7910% | 7,085 |
| Return on Equity (ROE) | -9.4545% | 6,856 |
| Retained earnings to average equity (ytd only) | -9.4545% | 6,758 |
| Net charge-offs to loans | 3.9820% | 353 |
| Credit loss provision to net charge-offs | 109.3880% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.3921% | 5,632 |
| Efficiency ratio | 59.4023% | 6,500 |
| Assets per employee ($millions) | 10.4777% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,245 |
| Loan loss allowance to noncurrent loans | 26.2278% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 3.1529% | 2,163 |
| Noncurrent loans to loans | 5.1232% | 1,266 |
| Net loans and leases to total assets | 59.6267% | 5,642 |
| Net loans and leases to deposits | 74.5298% | 5,290 |
| Net loans and leases to core deposits | 104.4859% | 3,877 |
| Total domestic deposits to total assets | 80.0038% | 5,433 |
| Equity capital to assets | 11.3044% | 2,746 |
| Core capital (leverage) ratio | 7.4063% | 7,073 |
| Tier 1 risk-based capital ratio | 10.1574% | 6,822 |
| Total risk-based capital ratio | 13.4189% | 4,773 |
| Memoranda: | ||
| Average total assets | $716,536,750 | 964 |
| Average earning assets | $633,246,750 | 1,001 |
| Average equity | $82,766,500 | 789 |
| Average total loans | $467,228,750 | 1,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 6,879 |
| Cost of funding earning assets | 2.3440% | 2,187 |
| Net interest margin | 2.6242% | 7,328 |
| Noninterest income to average assets | 0.1968% | 6,885 |
| Noninterest expense to average assets | 1.6642% | 7,869 |
| Loan and lease loss provision to assets | 1.0024% | 1,678 |
| Net operating income to assets | -0.0930% | 5,992 |
| Return on assets (ROA) | -0.0620% | 6,007 |
| Pretax return on assets | -0.1188% | 6,019 |
| Return on Equity (ROE) | -0.5327% | 6,005 |
| Retained earnings to average equity (ytd only) | -0.5327% | 5,357 |
| Net charge-offs to loans | 1.2436% | 1,485 |
| Credit loss provision to net charge-offs | 120.2364% | 3,861 |
| Earnings coverage of net charge-offs (x) | 1.0017% | 4,782 |
| Efficiency ratio | 64.3586% | 5,837 |
| Assets per employee ($millions) | 9.3873% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,104 |
| Loan loss allowance to noncurrent loans | 24.4587% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 3.2513% | 1,920 |
| Noncurrent loans to loans | 4.8074% | 1,296 |
| Net loans and leases to total assets | 65.8755% | 4,584 |
| Net loans and leases to deposits | 81.8003% | 4,258 |
| Net loans and leases to core deposits | 112.5725% | 3,068 |
| Total domestic deposits to total assets | 80.5321% | 5,261 |
| Equity capital to assets | 10.9081% | 3,010 |
| Core capital (leverage) ratio | 6.6820% | 7,710 |
| Tier 1 risk-based capital ratio | 8.3338% | 7,876 |
| Total risk-based capital ratio | 10.5097% | 7,556 |
| Memoranda: | ||
| Average total assets | $689,946,330 | 1,023 |
| Average earning assets | $605,375,000 | 1,060 |
| Average equity | $80,349,330 | 821 |
| Average total loans | $462,545,330 | 1,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 6,652 |
| Cost of funding earning assets | 2.3905% | 2,334 |
| Net interest margin | 2.7061% | 7,190 |
| Noninterest income to average assets | 0.2506% | 6,448 |
| Noninterest expense to average assets | 1.6280% | 7,889 |
| Loan and lease loss provision to assets | 0.6920% | 1,824 |
| Net operating income to assets | 0.1894% | 5,687 |
| Return on assets (ROA) | 0.1866% | 5,870 |
| Pretax return on assets | 0.2751% | 5,749 |
| Return on Equity (ROE) | 1.5486% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.5486% | 4,984 |
| Net charge-offs to loans | 1.1375% | 1,210 |
| Credit loss provision to net charge-offs | 90.4613% | 3,991 |
| Earnings coverage of net charge-offs (x) | 1.2697% | 4,106 |
| Efficiency ratio | 60.4234% | 6,334 |
| Assets per employee ($millions) | 9.0289% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,596 |
| Loan loss allowance to noncurrent loans | 39.5802% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 3,046 |
| Noncurrent loans to loans | 2.7356% | 2,393 |
| Net loans and leases to total assets | 66.1628% | 4,553 |
| Net loans and leases to deposits | 84.3497% | 3,923 |
| Net loans and leases to core deposits | 112.1963% | 3,205 |
| Total domestic deposits to total assets | 78.4387% | 5,879 |
| Equity capital to assets | 11.5977% | 2,528 |
| Core capital (leverage) ratio | 7.2322% | 7,450 |
| Tier 1 risk-based capital ratio | 8.5763% | 7,928 |
| Total risk-based capital ratio | 10.3798% | 7,724 |
| Memoranda: | ||
| Average total assets | $668,816,000 | 1,059 |
| Average earning assets | $580,472,000 | 1,125 |
| Average equity | $80,589,000 | 819 |
| Average total loans | $449,776,000 | 1,118 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9687% | 5,706 |
| Cost of funding earning assets | 3.0415% | 1,711 |
| Net interest margin | 2.9272% | 7,087 |
| Noninterest income to average assets | 0.4773% | 4,822 |
| Noninterest expense to average assets | 1.6711% | 7,890 |
| Loan and lease loss provision to assets | 0.5908% | 2,459 |
| Net operating income to assets | 0.4650% | 4,886 |
| Return on assets (ROA) | 0.5343% | 4,451 |
| Pretax return on assets | 0.8581% | 3,859 |
| Return on Equity (ROE) | 4.0232% | 4,817 |
| Retained earnings to average equity (ytd only) | 0.7291% | 4,795 |
| Net charge-offs to loans | 0.2246% | 3,987 |
| Credit loss provision to net charge-offs | 383.6580% | 1,150 |
| Earnings coverage of net charge-offs (x) | 8.7056% | 2,832 |
| Efficiency ratio | 53.2179% | 7,356 |
| Assets per employee ($millions) | 8.5654% | 393 |
| Cash dividends to net income (ytd only)* | 81.8777% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 4,648 |
| Loan loss allowance to noncurrent loans | 59.1128% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.4438% | 3,325 |
| Noncurrent loans to loans | 2.0077% | 2,749 |
| Net loans and leases to total assets | 66.8391% | 4,674 |
| Net loans and leases to deposits | 84.8465% | 4,280 |
| Net loans and leases to core deposits | 111.5342% | 3,613 |
| Total domestic deposits to total assets | 78.7766% | 5,456 |
| Equity capital to assets | 12.5384% | 1,991 |
| Core capital (leverage) ratio | 7.8717% | 6,693 |
| Tier 1 risk-based capital ratio | 9.1870% | 7,629 |
| Total risk-based capital ratio | 10.3465% | 7,684 |
| Memoranda: | ||
| Average total assets | $600,031,400 | 1,126 |
| Average earning assets | $519,507,000 | 1,189 |
| Average equity | $79,688,200 | 840 |
| Average total loans | $411,433,200 | 1,168 |