Home > CalPrivate Bank > Performance and Condition Ratios
CalPrivate Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4501% | 370 |
| Cost of funding earning assets | 1.7508% | 1,350 |
| Net interest margin | 4.6993% | 476 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.1713% | 3,199 |
| Loan and lease loss provision to assets | -0.3100% | 4,574 |
| Net operating income to assets | 2.0955% | 402 |
| Return on assets (ROA) | 2.0968% | 389 |
| Pretax return on assets | 2.9472% | 214 |
| Return on Equity (ROE) | 23.3500% | 385 |
| Retained earnings to average equity (ytd only) | 23.3466% | 89 |
| Net charge-offs to loans | -0.5031% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.1389% | 4,221 |
| Assets per employee ($millions) | 10.7069% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,665 |
| Loan loss allowance to noncurrent loans | 486.7940% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 2,043 |
| Noncurrent loans to loans | 0.2720% | 2,214 |
| Net loans and leases to total assets | 84.7500% | 223 |
| Net loans and leases to deposits | 97.0757% | 709 |
| Net loans and leases to core deposits | 119.0561% | 652 |
| Total domestic deposits to total assets | 87.3000% | 1,588 |
| Equity capital to assets | 9.3203% | 2,478 |
| Core capital (leverage) ratio | 10.0729% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2741% | 2,507 |
| Memoranda: | ||
| Average total assets | $2,004,647,600 | 574 |
| Average earning assets | $1,948,201,400 | 538 |
| Average equity | $180,038,800 | 587 |
| Average total loans | $1,711,160,400 | 464 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3838% | 345 |
| Cost of funding earning assets | 1.5734% | 1,425 |
| Net interest margin | 4.8104% | 407 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1574% | 3,191 |
| Loan and lease loss provision to assets | -0.4500% | 4,609 |
| Net operating income to assets | 2.2942% | 330 |
| Return on assets (ROA) | 2.2952% | 323 |
| Pretax return on assets | 3.2153% | 195 |
| Return on Equity (ROE) | 25.8200% | 360 |
| Retained earnings to average equity (ytd only) | 25.8231% | 129 |
| Net charge-offs to loans | -0.6845% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.8151% | 4,240 |
| Assets per employee ($millions) | 10.3685% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,673 |
| Loan loss allowance to noncurrent loans | 468.4718% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 2,030 |
| Noncurrent loans to loans | 0.2871% | 2,211 |
| Net loans and leases to total assets | 84.1600% | 267 |
| Net loans and leases to deposits | 98.4634% | 585 |
| Net loans and leases to core deposits | 118.5575% | 591 |
| Total domestic deposits to total assets | 85.4700% | 2,357 |
| Equity capital to assets | 9.1782% | 2,302 |
| Core capital (leverage) ratio | 9.9789% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2812% | 2,514 |
| Memoranda: | ||
| Average total assets | $1,967,788,750 | 583 |
| Average earning assets | $1,913,075,000 | 545 |
| Average equity | $174,903,500 | 598 |
| Average total loans | $1,676,851,750 | 471 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2461% | 330 |
| Cost of funding earning assets | 1.4102% | 1,420 |
| Net interest margin | 4.8359% | 384 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1345% | 3,254 |
| Loan and lease loss provision to assets | -0.7900% | 4,644 |
| Net operating income to assets | 2.5968% | 222 |
| Return on assets (ROA) | 2.5981% | 219 |
| Pretax return on assets | 3.6176% | 132 |
| Return on Equity (ROE) | 29.5800% | 220 |
| Retained earnings to average equity (ytd only) | 29.5756% | 81 |
| Net charge-offs to loans | -1.0452% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.9962% | 4,299 |
| Assets per employee ($millions) | 10.0322% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 1,875 |
| Loan loss allowance to noncurrent loans | 678.9300% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,380 |
| Noncurrent loans to loans | 0.1935% | 2,501 |
| Net loans and leases to total assets | 85.8700% | 157 |
| Net loans and leases to deposits | 99.6757% | 528 |
| Net loans and leases to core deposits | 113.7521% | 690 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 9.2382% | 2,353 |
| Core capital (leverage) ratio | 9.7501% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0249% | 2,618 |
| Memoranda: | ||
| Average total assets | $1,932,485,667 | 576 |
| Average earning assets | $1,880,236,333 | 543 |
| Average equity | $169,761,667 | 608 |
| Average total loans | $1,646,163,333 | 466 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0202% | 305 |
| Cost of funding earning assets | 1.1865% | 1,486 |
| Net interest margin | 4.8337% | 353 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3911% | 2,561 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.9383% | 541 |
| Return on assets (ROA) | 1.9393% | 533 |
| Pretax return on assets | 2.5999% | 317 |
| Return on Equity (ROE) | 22.6800% | 531 |
| Retained earnings to average equity (ytd only) | 22.6821% | 261 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7746% | 4,093 |
| Assets per employee ($millions) | 10.5718% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,028 |
| Loan loss allowance to noncurrent loans | 482.0940% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,013 |
| Noncurrent loans to loans | 0.2700% | 2,178 |
| Net loans and leases to total assets | 81.4900% | 420 |
| Net loans and leases to deposits | 100.9653% | 400 |
| Net loans and leases to core deposits | 122.9743% | 384 |
| Total domestic deposits to total assets | 80.7100% | 3,676 |
| Equity capital to assets | 8.5322% | 2,866 |
| Core capital (leverage) ratio | 9.4417% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6180% | 2,826 |
| Memoranda: | ||
| Average total assets | $1,910,558,500 | 598 |
| Average earning assets | $1,857,625,000 | 565 |
| Average equity | $163,353,500 | 633 |
| Average total loans | $1,609,401,000 | 488 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 201 |
| Cost of funding earning assets | 0.3217% | 2,711 |
| Net interest margin | 4.9526% | 147 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.9064% | 1,114 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.5533% | 774 |
| Return on assets (ROA) | 1.5528% | 742 |
| Pretax return on assets | 2.1959% | 321 |
| Return on Equity (ROE) | 17.2900% | 815 |
| Retained earnings to average equity (ytd only) | 17.2850% | 160 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.5199% | 3,627 |
| Assets per employee ($millions) | 9.6531% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,378 |
| Loan loss allowance to noncurrent loans | 493.6082% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,120 |
| Noncurrent loans to loans | 0.2433% | 2,305 |
| Net loans and leases to total assets | 85.0200% | 207 |
| Net loans and leases to deposits | 93.8609% | 795 |
| Net loans and leases to core deposits | 114.2489% | 482 |
| Total domestic deposits to total assets | 90.5800% | 1,120 |
| Equity capital to assets | 8.5753% | 2,652 |
| Core capital (leverage) ratio | 9.5196% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3494% | 2,901 |
| Memoranda: | ||
| Average total assets | $1,650,738,800 | 653 |
| Average earning assets | $1,602,689,600 | 615 |
| Average equity | $148,296,000 | 685 |
| Average total loans | $1,401,891,800 | 511 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 208 |
| Cost of funding earning assets | 0.1635% | 3,700 |
| Net interest margin | 4.8569% | 138 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.9121% | 1,032 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.5013% | 848 |
| Return on assets (ROA) | 1.5007% | 827 |
| Pretax return on assets | 2.1209% | 363 |
| Return on Equity (ROE) | 16.4900% | 890 |
| Retained earnings to average equity (ytd only) | 16.4881% | 246 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.8918% | 3,631 |
| Assets per employee ($millions) | 9.1367% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,140 |
| Loan loss allowance to noncurrent loans | 473.9821% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,063 |
| Noncurrent loans to loans | 0.2695% | 2,295 |
| Net loans and leases to total assets | 85.4600% | 158 |
| Net loans and leases to deposits | 96.1615% | 548 |
| Net loans and leases to core deposits | 100.9531% | 779 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 8.7093% | 2,401 |
| Core capital (leverage) ratio | 9.5651% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3926% | 2,692 |
| Memoranda: | ||
| Average total assets | $1,600,075,750 | 671 |
| Average earning assets | $1,552,723,000 | 639 |
| Average equity | $145,636,750 | 701 |
| Average total loans | $1,353,629,750 | 519 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 217 |
| Cost of funding earning assets | 0.1068% | 4,117 |
| Net interest margin | 4.7223% | 147 |
| Noninterest income to average assets | 0.5857% | 1,802 |
| Noninterest expense to average assets | 2.9920% | 849 |
| Loan and lease loss provision to assets | 0.1030% | 970 |
| Net operating income to assets | 1.4650% | 768 |
| Return on assets (ROA) | 1.4641% | 750 |
| Pretax return on assets | 2.0703% | 322 |
| Return on Equity (ROE) | 15.8333% | 730 |
| Retained earnings to average equity (ytd only) | 15.8333% | 206 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9121% | 3,573 |
| Assets per employee ($millions) | 8.9065% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,224.2424% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,093 |
| Noncurrent loans to loans | 0.1049% | 3,224 |
| Net loans and leases to total assets | 84.7479% | 149 |
| Net loans and leases to deposits | 94.5465% | 493 |
| Net loans and leases to core deposits | 98.0114% | 759 |
| Total domestic deposits to total assets | 89.6362% | 1,880 |
| Equity capital to assets | 9.0262% | 2,370 |
| Core capital (leverage) ratio | 9.5756% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6910% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,557,820,667 | 678 |
| Average earning assets | $1,511,131,333 | 656 |
| Average equity | $144,050,667 | 710 |
| Average total loans | $1,306,544,000 | 522 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 206 |
| Cost of funding earning assets | 0.0971% | 4,171 |
| Net interest margin | 4.6849% | 139 |
| Noninterest income to average assets | 0.8119% | 1,016 |
| Noninterest expense to average assets | 2.8183% | 1,126 |
| Loan and lease loss provision to assets | 0.0374% | 1,685 |
| Net operating income to assets | 1.7457% | 367 |
| Return on assets (ROA) | 1.7461% | 371 |
| Pretax return on assets | 2.5092% | 182 |
| Return on Equity (ROE) | 18.6490% | 296 |
| Retained earnings to average equity (ytd only) | 18.6490% | 126 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5380% | 4,159 |
| Assets per employee ($millions) | 8.7304% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,211 |
| Loan loss allowance to noncurrent loans | 1,178.8567% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,151 |
| Noncurrent loans to loans | 0.1128% | 3,266 |
| Net loans and leases to total assets | 82.1677% | 157 |
| Net loans and leases to deposits | 92.1974% | 423 |
| Net loans and leases to core deposits | 95.7436% | 669 |
| Total domestic deposits to total assets | 89.1216% | 2,019 |
| Equity capital to assets | 9.3942% | 2,367 |
| Core capital (leverage) ratio | 9.7231% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1871% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,530,691,500 | 689 |
| Average earning assets | $1,487,412,000 | 667 |
| Average equity | $143,321,500 | 732 |
| Average total loans | $1,267,826,500 | 535 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 500 |
| Cost of funding earning assets | 0.2524% | 2,896 |
| Net interest margin | 4.3590% | 362 |
| Noninterest income to average assets | 0.8005% | 1,444 |
| Noninterest expense to average assets | 2.6280% | 1,804 |
| Loan and lease loss provision to assets | 0.1921% | 576 |
| Net operating income to assets | 1.5621% | 891 |
| Return on assets (ROA) | 1.5635% | 917 |
| Pretax return on assets | 2.2236% | 395 |
| Return on Equity (ROE) | 16.8137% | 617 |
| Retained earnings to average equity (ytd only) | 14.6816% | 255 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1228% | 4,108 |
| Assets per employee ($millions) | 9.2445% | 851 |
| Cash dividends to net income (ytd only)* | 12.6812% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,096 |
| Loan loss allowance to noncurrent loans | 1,124.8509% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 3,244 |
| Noncurrent loans to loans | 0.1208% | 3,327 |
| Net loans and leases to total assets | 81.2504% | 214 |
| Net loans and leases to deposits | 90.9643% | 528 |
| Net loans and leases to core deposits | 94.6572% | 750 |
| Total domestic deposits to total assets | 89.3213% | 1,346 |
| Equity capital to assets | 9.3316% | 3,287 |
| Core capital (leverage) ratio | 9.2723% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8830% | 2,669 |
| Memoranda: | ||
| Average total assets | $1,412,189,800 | 712 |
| Average earning assets | $1,374,113,600 | 689 |
| Average equity | $131,321,200 | 789 |
| Average total loans | $1,152,724,400 | 576 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 617 |
| Cost of funding earning assets | 0.3045% | 2,551 |
| Net interest margin | 4.2452% | 504 |
| Noninterest income to average assets | 0.6783% | 1,897 |
| Noninterest expense to average assets | 2.6023% | 1,829 |
| Loan and lease loss provision to assets | 0.1807% | 593 |
| Net operating income to assets | 1.4190% | 1,482 |
| Return on assets (ROA) | 1.4200% | 1,541 |
| Pretax return on assets | 2.0257% | 761 |
| Return on Equity (ROE) | 15.2854% | 1,093 |
| Retained earnings to average equity (ytd only) | 12.3865% | 751 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1315% | 3,791 |
| Assets per employee ($millions) | 9.0999% | 863 |
| Cash dividends to net income (ytd only)* | 18.9651% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 2,416 |
| Loan loss allowance to noncurrent loans | 1,080.3882% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 3,428 |
| Noncurrent loans to loans | 0.1217% | 3,487 |
| Net loans and leases to total assets | 82.1770% | 177 |
| Net loans and leases to deposits | 91.8201% | 504 |
| Net loans and leases to core deposits | 95.6894% | 762 |
| Total domestic deposits to total assets | 89.4978% | 1,011 |
| Equity capital to assets | 9.1410% | 3,711 |
| Core capital (leverage) ratio | 9.2131% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9415% | 2,724 |
| Memoranda: | ||
| Average total assets | $1,386,211,000 | 730 |
| Average earning assets | $1,348,322,250 | 701 |
| Average equity | $128,782,250 | 816 |
| Average total loans | $1,128,701,500 | 599 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 749 |
| Cost of funding earning assets | 0.3966% | 1,908 |
| Net interest margin | 4.0852% | 713 |
| Noninterest income to average assets | 0.6872% | 1,856 |
| Noninterest expense to average assets | 2.4609% | 2,273 |
| Loan and lease loss provision to assets | 0.2131% | 509 |
| Net operating income to assets | 1.3927% | 1,582 |
| Return on assets (ROA) | 1.3944% | 1,653 |
| Pretax return on assets | 1.9856% | 861 |
| Return on Equity (ROE) | 14.9222% | 1,179 |
| Retained earnings to average equity (ytd only) | 14.2912% | 508 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8371% | 3,945 |
| Assets per employee ($millions) | 9.0348% | 848 |
| Cash dividends to net income (ytd only)* | 4.2283% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,309 |
| Loan loss allowance to noncurrent loans | 1,020.0000% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,484 |
| Noncurrent loans to loans | 0.1300% | 3,538 |
| Net loans and leases to total assets | 84.5335% | 116 |
| Net loans and leases to deposits | 96.6325% | 363 |
| Net loans and leases to core deposits | 101.3935% | 613 |
| Total domestic deposits to total assets | 87.4793% | 2,102 |
| Equity capital to assets | 9.5018% | 3,326 |
| Core capital (leverage) ratio | 9.4752% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4130% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,356,886,000 | 741 |
| Average earning assets | $1,318,769,667 | 713 |
| Average equity | $126,791,333 | 822 |
| Average total loans | $1,095,741,000 | 616 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 851 |
| Cost of funding earning assets | 0.4473% | 1,744 |
| Net interest margin | 3.9984% | 843 |
| Noninterest income to average assets | 0.5541% | 2,392 |
| Noninterest expense to average assets | 2.2762% | 2,861 |
| Loan and lease loss provision to assets | 0.0893% | 1,483 |
| Net operating income to assets | 1.4523% | 1,438 |
| Return on assets (ROA) | 1.4549% | 1,501 |
| Pretax return on assets | 2.0786% | 829 |
| Return on Equity (ROE) | 15.7059% | 1,077 |
| Retained earnings to average equity (ytd only) | 14.4209% | 707 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2564% | 4,069 |
| Assets per employee ($millions) | 9.4382% | 715 |
| Cash dividends to net income (ytd only)* | 8.1816% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,294 |
| Loan loss allowance to noncurrent loans | 904.9720% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 3,578 |
| Noncurrent loans to loans | 0.1470% | 3,592 |
| Net loans and leases to total assets | 79.4549% | 367 |
| Net loans and leases to deposits | 92.4601% | 566 |
| Net loans and leases to core deposits | 98.1565% | 800 |
| Total domestic deposits to total assets | 85.9343% | 2,758 |
| Equity capital to assets | 9.2979% | 3,390 |
| Core capital (leverage) ratio | 9.1628% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1083% | 2,249 |
| Memoranda: | ||
| Average total assets | $1,344,166,000 | 744 |
| Average earning assets | $1,306,627,500 | 711 |
| Average equity | $124,514,000 | 830 |
| Average total loans | $1,051,493,500 | 642 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 657 |
| Cost of funding earning assets | 0.4880% | 3,023 |
| Net interest margin | 4.3709% | 433 |
| Noninterest income to average assets | 0.3589% | 3,317 |
| Noninterest expense to average assets | 2.7532% | 2,067 |
| Loan and lease loss provision to assets | 0.4650% | 588 |
| Net operating income to assets | 0.9383% | 2,526 |
| Return on assets (ROA) | 0.9867% | 2,483 |
| Pretax return on assets | 1.4183% | 1,598 |
| Return on Equity (ROE) | 10.3555% | 1,860 |
| Retained earnings to average equity (ytd only) | 9.4087% | 695 |
| Net charge-offs to loans | 0.0009% | 3,397 |
| Credit loss provision to net charge-offs | 63,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,468.6667% | 37 |
| Efficiency ratio | 60.1308% | 3,438 |
| Assets per employee ($millions) | 9.4945% | 626 |
| Cash dividends to net income (ytd only)* | 9.1430% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,916 |
| Loan loss allowance to noncurrent loans | 886.3891% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 3,679 |
| Noncurrent loans to loans | 0.1595% | 3,639 |
| Net loans and leases to total assets | 74.8020% | 926 |
| Net loans and leases to deposits | 89.0604% | 1,002 |
| Net loans and leases to core deposits | 94.4674% | 1,214 |
| Total domestic deposits to total assets | 83.9903% | 3,108 |
| Equity capital to assets | 9.2279% | 3,862 |
| Core capital (leverage) ratio | 9.7348% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0457% | 2,219 |
| Memoranda: | ||
| Average total assets | $1,219,369,200 | 741 |
| Average earning assets | $1,176,286,400 | 717 |
| Average equity | $116,180,000 | 852 |
| Average total loans | $971,496,800 | 665 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 877 |
| Cost of funding earning assets | 0.5585% | 2,877 |
| Net interest margin | 4.2444% | 665 |
| Noninterest income to average assets | 0.3062% | 3,658 |
| Noninterest expense to average assets | 2.8278% | 1,889 |
| Loan and lease loss provision to assets | 0.4577% | 694 |
| Net operating income to assets | 0.7581% | 3,254 |
| Return on assets (ROA) | 0.8238% | 3,128 |
| Pretax return on assets | 1.1893% | 2,424 |
| Return on Equity (ROE) | 8.5705% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.2214% | 1,230 |
| Net charge-offs to loans | 0.0012% | 3,182 |
| Credit loss provision to net charge-offs | 45,455.5556% | 22 |
| Earnings coverage of net charge-offs (x) | 1,553.3333% | 77 |
| Efficiency ratio | 64.3419% | 2,682 |
| Assets per employee ($millions) | 9.2789% | 639 |
| Cash dividends to net income (ytd only)* | 4.0739% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,578 |
| Loan loss allowance to noncurrent loans | 727.5961% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1402% | 3,719 |
| Noncurrent loans to loans | 0.1671% | 3,713 |
| Net loans and leases to total assets | 82.8474% | 375 |
| Net loans and leases to deposits | 99.8499% | 539 |
| Net loans and leases to core deposits | 107.3954% | 793 |
| Total domestic deposits to total assets | 82.9720% | 3,152 |
| Equity capital to assets | 9.5443% | 3,647 |
| Core capital (leverage) ratio | 9.1360% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7982% | 1,893 |
| Memoranda: | ||
| Average total assets | $1,191,902,750 | 746 |
| Average earning assets | $1,147,273,500 | 718 |
| Average equity | $114,560,000 | 854 |
| Average total loans | $962,231,750 | 658 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 1,017 |
| Cost of funding earning assets | 0.6623% | 2,613 |
| Net interest margin | 4.2111% | 898 |
| Noninterest income to average assets | 0.3051% | 3,635 |
| Noninterest expense to average assets | 2.9211% | 1,783 |
| Loan and lease loss provision to assets | 0.4270% | 922 |
| Net operating income to assets | 0.6729% | 3,495 |
| Return on assets (ROA) | 0.7733% | 3,259 |
| Pretax return on assets | 1.1248% | 2,635 |
| Return on Equity (ROE) | 8.0255% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.4954% | 1,466 |
| Net charge-offs to loans | 0.0019% | 2,951 |
| Credit loss provision to net charge-offs | 27,866.6667% | 40 |
| Earnings coverage of net charge-offs (x) | 929.8889% | 99 |
| Efficiency ratio | 67.1603% | 2,359 |
| Assets per employee ($millions) | 9.1605% | 650 |
| Cash dividends to net income (ytd only)* | 6.6050% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.7456% | 619 |
| Net loans and leases to deposits | 97.6721% | 677 |
| Net loans and leases to core deposits | 104.0494% | 999 |
| Total domestic deposits to total assets | 81.6463% | 3,461 |
| Equity capital to assets | 9.0715% | 4,020 |
| Core capital (leverage) ratio | 8.7401% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1019% | 2,136 |
| Memoranda: | ||
| Average total assets | $1,174,745,333 | 748 |
| Average earning assets | $1,127,253,333 | 718 |
| Average equity | $113,189,667 | 858 |
| Average total loans | $935,380,333 | 668 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 710 |
| Cost of funding earning assets | 0.7539% | 2,647 |
| Net interest margin | 4.4017% | 626 |
| Noninterest income to average assets | 0.4141% | 3,003 |
| Noninterest expense to average assets | 3.0462% | 1,772 |
| Loan and lease loss provision to assets | 0.3540% | 874 |
| Net operating income to assets | 0.8515% | 2,705 |
| Return on assets (ROA) | 0.8484% | 2,810 |
| Pretax return on assets | 1.2077% | 2,168 |
| Return on Equity (ROE) | 8.5227% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.5227% | 1,097 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9911% | 2,962 |
| Assets per employee ($millions) | 8.8464% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,338 |
| Loan loss allowance to noncurrent loans | 1,447.6621% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,313 |
| Noncurrent loans to loans | 0.0742% | 4,223 |
| Net loans and leases to total assets | 74.6135% | 1,516 |
| Net loans and leases to deposits | 91.6333% | 1,325 |
| Net loans and leases to core deposits | 110.6046% | 823 |
| Total domestic deposits to total assets | 81.4261% | 3,566 |
| Equity capital to assets | 9.5757% | 4,153 |
| Core capital (leverage) ratio | 10.2061% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8489% | 2,775 |
| Memoranda: | ||
| Average total assets | $1,125,462,500 | 742 |
| Average earning assets | $1,073,318,000 | 715 |
| Average equity | $112,030,500 | 856 |
| Average total loans | $889,815,500 | 678 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 465 |
| Cost of funding earning assets | 0.8330% | 2,516 |
| Net interest margin | 4.7817% | 408 |
| Noninterest income to average assets | 0.2617% | 4,116 |
| Noninterest expense to average assets | 3.4959% | 971 |
| Loan and lease loss provision to assets | 1.2574% | 70 |
| Net operating income to assets | 0.0329% | 4,953 |
| Return on assets (ROA) | 0.0622% | 4,959 |
| Pretax return on assets | 0.0877% | 4,948 |
| Return on Equity (ROE) | 0.5715% | 4,956 |
| Retained earnings to average equity (ytd only) | 0.5715% | 4,525 |
| Net charge-offs to loans | 1.2125% | 129 |
| Credit loss provision to net charge-offs | 124.7759% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.2980% | 3,556 |
| Efficiency ratio | 72.6663% | 1,776 |
| Assets per employee ($millions) | 7.9516% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.3035% | 520 |
| Net loans and leases to deposits | 102.7004% | 432 |
| Net loans and leases to core deposits | 126.3546% | 337 |
| Total domestic deposits to total assets | 80.1394% | 3,951 |
| Equity capital to assets | 10.3752% | 3,565 |
| Core capital (leverage) ratio | 10.6058% | 2,856 |
| Tier 1 risk-based capital ratio | 11.6092% | 4,571 |
| Total risk-based capital ratio | 12.5808% | 4,601 |
| Memoranda: | ||
| Average total assets | $940,856,200 | 832 |
| Average earning assets | $893,718,400 | 805 |
| Average equity | $102,360,800 | 883 |
| Average total loans | $781,965,400 | 728 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 447 |
| Cost of funding earning assets | 0.8198% | 2,616 |
| Net interest margin | 4.8332% | 389 |
| Noninterest income to average assets | 0.2370% | 4,316 |
| Noninterest expense to average assets | 3.5824% | 868 |
| Loan and lease loss provision to assets | 1.6301% | 54 |
| Net operating income to assets | -0.2636% | 5,113 |
| Return on assets (ROA) | -0.2449% | 5,116 |
| Pretax return on assets | -0.3521% | 5,123 |
| Return on Equity (ROE) | -2.2210% | 5,123 |
| Retained earnings to average equity (ytd only) | -2.2210% | 4,939 |
| Net charge-offs to loans | 1.6719% | 74 |
| Credit loss provision to net charge-offs | 117.3083% | 1,994 |
| Earnings coverage of net charge-offs (x) | 0.9028% | 3,335 |
| Efficiency ratio | 73.9553% | 1,576 |
| Assets per employee ($millions) | 7.6895% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 81.3390% | 657 |
| Net loans and leases to deposits | 98.2076% | 800 |
| Net loans and leases to core deposits | 117.0316% | 626 |
| Total domestic deposits to total assets | 82.8236% | 3,221 |
| Equity capital to assets | 10.7996% | 3,295 |
| Core capital (leverage) ratio | 10.8933% | 2,745 |
| Tier 1 risk-based capital ratio | 11.8988% | 4,462 |
| Total risk-based capital ratio | 12.8195% | 4,535 |
| Memoranda: | ||
| Average total assets | $909,692,000 | 867 |
| Average earning assets | $865,768,750 | 839 |
| Average equity | $100,313,750 | 898 |
| Average total loans | $756,067,750 | 756 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6018% | 468 |
| Cost of funding earning assets | 0.7976% | 2,654 |
| Net interest margin | 4.8042% | 400 |
| Noninterest income to average assets | 0.2621% | 4,184 |
| Noninterest expense to average assets | 3.5514% | 901 |
| Loan and lease loss provision to assets | 0.3149% | 428 |
| Net operating income to assets | 0.6948% | 4,018 |
| Return on assets (ROA) | 0.7002% | 4,065 |
| Pretax return on assets | 0.9821% | 3,609 |
| Return on Equity (ROE) | 6.3008% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.3008% | 2,143 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2391% | 1,741 |
| Assets per employee ($millions) | 7.0172% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 3,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.7716% | 375 |
| Net loans and leases to deposits | 106.9358% | 304 |
| Net loans and leases to core deposits | 130.5722% | 317 |
| Total domestic deposits to total assets | 78.3383% | 4,340 |
| Equity capital to assets | 11.9384% | 2,236 |
| Core capital (leverage) ratio | 12.3038% | 1,634 |
| Tier 1 risk-based capital ratio | 12.8071% | 3,943 |
| Total risk-based capital ratio | 13.7283% | 4,026 |
| Memoranda: | ||
| Average total assets | $879,710,000 | 892 |
| Average earning assets | $838,554,000 | 858 |
| Average equity | $97,766,000 | 912 |
| Average total loans | $734,427,330 | 771 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5771% | 447 |
| Cost of funding earning assets | 0.7796% | 2,639 |
| Net interest margin | 4.7975% | 414 |
| Noninterest income to average assets | 0.2510% | 4,214 |
| Noninterest expense to average assets | 3.5154% | 950 |
| Loan and lease loss provision to assets | 0.1832% | 897 |
| Net operating income to assets | 0.8043% | 3,602 |
| Return on assets (ROA) | 0.8166% | 3,600 |
| Pretax return on assets | 1.1523% | 2,970 |
| Return on Equity (ROE) | 7.6624% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.6624% | 1,785 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5847% | 1,941 |
| Assets per employee ($millions) | 6.5042% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 4,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 82.9493% | 473 |
| Net loans and leases to deposits | 99.6477% | 662 |
| Net loans and leases to core deposits | 113.3161% | 770 |
| Total domestic deposits to total assets | 83.2426% | 3,299 |
| Equity capital to assets | 10.7950% | 3,056 |
| Core capital (leverage) ratio | 10.7068% | 2,839 |
| Tier 1 risk-based capital ratio | 11.8016% | 4,564 |
| Total risk-based capital ratio | 12.6987% | 4,667 |
| Memoranda: | ||
| Average total assets | $849,413,000 | 922 |
| Average earning assets | $811,679,500 | 888 |
| Average equity | $90,520,500 | 962 |
| Average total loans | $703,968,500 | 809 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,453 |
| Cost of funding earning assets | 0.5678% | 2,937 |
| Net interest margin | 4.2698% | 1,224 |
| Noninterest income to average assets | 0.3279% | 3,913 |
| Noninterest expense to average assets | 3.2645% | 1,406 |
| Loan and lease loss provision to assets | 0.2388% | 743 |
| Net operating income to assets | 0.6506% | 4,283 |
| Return on assets (ROA) | 0.6491% | 4,294 |
| Pretax return on assets | 0.9162% | 3,851 |
| Return on Equity (ROE) | 5.4302% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.4302% | 2,519 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6803% | 1,666 |
| Assets per employee ($millions) | 6.8844% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.2818% | 773 |
| Net loans and leases to deposits | 98.3935% | 858 |
| Net loans and leases to core deposits | 111.2983% | 918 |
| Total domestic deposits to total assets | 82.6090% | 3,449 |
| Equity capital to assets | 10.5178% | 3,163 |
| Core capital (leverage) ratio | 11.1168% | 2,428 |
| Tier 1 risk-based capital ratio | 12.1164% | 4,353 |
| Total risk-based capital ratio | 13.0043% | 4,467 |
| Memoranda: | ||
| Average total assets | $724,957,800 | 1,022 |
| Average earning assets | $694,990,000 | 993 |
| Average equity | $86,663,000 | 964 |
| Average total loans | $556,485,200 | 949 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,771 |
| Cost of funding earning assets | 0.4980% | 3,214 |
| Net interest margin | 4.1707% | 1,442 |
| Noninterest income to average assets | 0.3438% | 3,847 |
| Noninterest expense to average assets | 3.2268% | 1,462 |
| Loan and lease loss provision to assets | 0.1666% | 1,132 |
| Net operating income to assets | 0.6750% | 4,302 |
| Return on assets (ROA) | 0.6750% | 4,315 |
| Pretax return on assets | 0.9445% | 3,888 |
| Return on Equity (ROE) | 5.4470% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.4470% | 2,988 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2167% | 1,557 |
| Assets per employee ($millions) | 6.2496% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.9249% | 1,515 |
| Net loans and leases to deposits | 104.6088% | 516 |
| Net loans and leases to core deposits | 108.8079% | 1,112 |
| Total domestic deposits to total assets | 73.5358% | 5,020 |
| Equity capital to assets | 11.6644% | 2,137 |
| Core capital (leverage) ratio | 12.3010% | 1,613 |
| Tier 1 risk-based capital ratio | 13.9016% | 3,422 |
| Total risk-based capital ratio | 14.7978% | 3,514 |
| Memoranda: | ||
| Average total assets | $694,502,000 | 1,069 |
| Average earning assets | $665,106,000 | 1,033 |
| Average equity | $86,063,000 | 968 |
| Average total loans | $521,973,750 | 999 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,010 |
| Cost of funding earning assets | 0.4379% | 3,436 |
| Net interest margin | 4.0877% | 1,597 |
| Noninterest income to average assets | 0.2518% | 4,503 |
| Noninterest expense to average assets | 3.1132% | 1,746 |
| Loan and lease loss provision to assets | 0.1101% | 1,788 |
| Net operating income to assets | 0.6720% | 4,278 |
| Return on assets (ROA) | 0.6725% | 4,281 |
| Pretax return on assets | 0.9426% | 3,833 |
| Return on Equity (ROE) | 5.3113% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.3113% | 2,929 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5579% | 1,629 |
| Assets per employee ($millions) | 6.2335% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,254 |
| Loan loss allowance to noncurrent loans | 330.3849% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,958 |
| Noncurrent loans to loans | 0.2782% | 3,710 |
| Net loans and leases to total assets | 74.2168% | 1,912 |
| Net loans and leases to deposits | 99.3649% | 849 |
| Net loans and leases to core deposits | 103.1747% | 1,466 |
| Total domestic deposits to total assets | 74.6912% | 4,980 |
| Equity capital to assets | 12.1431% | 1,747 |
| Core capital (leverage) ratio | 12.9694% | 1,230 |
| Tier 1 risk-based capital ratio | 14.7255% | 3,009 |
| Total risk-based capital ratio | 15.6007% | 3,101 |
| Memoranda: | ||
| Average total assets | $676,017,330 | 1,087 |
| Average earning assets | $647,210,000 | 1,057 |
| Average equity | $85,591,330 | 975 |
| Average total loans | $501,867,670 | 1,041 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 2,044 |
| Cost of funding earning assets | 0.4120% | 3,504 |
| Net interest margin | 4.0301% | 1,622 |
| Noninterest income to average assets | 0.1026% | 5,318 |
| Noninterest expense to average assets | 2.9063% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7682% | 3,838 |
| Return on assets (ROA) | 0.7682% | 3,839 |
| Pretax return on assets | 1.0754% | 3,263 |
| Return on Equity (ROE) | 5.9361% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.9361% | 2,736 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7772% | 2,075 |
| Assets per employee ($millions) | 6.8746% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,221 |
| Loan loss allowance to noncurrent loans | 301.6011% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,942 |
| Noncurrent loans to loans | 0.3148% | 3,638 |
| Net loans and leases to total assets | 72.9847% | 2,028 |
| Net loans and leases to deposits | 93.0744% | 1,320 |
| Net loans and leases to core deposits | 97.9848% | 1,834 |
| Total domestic deposits to total assets | 78.4154% | 4,663 |
| Equity capital to assets | 13.2573% | 1,133 |
| Core capital (leverage) ratio | 12.8630% | 1,224 |
| Tier 1 risk-based capital ratio | 16.2513% | 2,374 |
| Total risk-based capital ratio | 17.1503% | 2,457 |
| Memoranda: | ||
| Average total assets | $658,714,500 | 1,122 |
| Average earning assets | $634,026,000 | 1,084 |
| Average equity | $85,241,000 | 981 |
| Average total loans | $486,654,000 | 1,083 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 1,776 |
| Cost of funding earning assets | 0.3705% | 3,512 |
| Net interest margin | 4.1115% | 1,400 |
| Noninterest income to average assets | 0.1655% | 5,134 |
| Noninterest expense to average assets | 2.5261% | 3,693 |
| Loan and lease loss provision to assets | 0.0864% | 2,465 |
| Net operating income to assets | 0.6652% | 3,752 |
| Return on assets (ROA) | 0.6652% | 3,794 |
| Pretax return on assets | 1.4915% | 1,676 |
| Return on Equity (ROE) | 5.0948% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.0948% | 2,068 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3053% | 4,051 |
| Assets per employee ($millions) | 7.9907% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 4,426 |
| Loan loss allowance to noncurrent loans | 285.0567% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 3,961 |
| Noncurrent loans to loans | 0.3190% | 3,634 |
| Net loans and leases to total assets | 73.3936% | 2,024 |
| Net loans and leases to deposits | 92.3945% | 1,469 |
| Net loans and leases to core deposits | 98.0428% | 1,860 |
| Total domestic deposits to total assets | 79.4350% | 4,463 |
| Equity capital to assets | 12.6355% | 1,436 |
| Core capital (leverage) ratio | 12.9517% | 1,161 |
| Tier 1 risk-based capital ratio | 15.8062% | 2,512 |
| Total risk-based capital ratio | 16.7088% | 2,575 |
| Memoranda: | ||
| Average total assets | $582,037,000 | 1,230 |
| Average earning assets | $557,553,200 | 1,193 |
| Average equity | $75,998,400 | 1,062 |
| Average total loans | $452,106,600 | 1,127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 1,534 |
| Cost of funding earning assets | 0.3688% | 3,475 |
| Net interest margin | 4.1700% | 1,230 |
| Noninterest income to average assets | 0.1832% | 5,101 |
| Noninterest expense to average assets | 2.5487% | 3,571 |
| Loan and lease loss provision to assets | 0.0484% | 3,126 |
| Net operating income to assets | 0.9216% | 2,917 |
| Return on assets (ROA) | 0.9216% | 2,977 |
| Pretax return on assets | 1.5721% | 1,509 |
| Return on Equity (ROE) | 6.9904% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.9904% | 1,692 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8753% | 4,062 |
| Assets per employee ($millions) | 7.4743% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 4,391 |
| Loan loss allowance to noncurrent loans | 262.8269% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,982 |
| Noncurrent loans to loans | 0.3565% | 3,678 |
| Net loans and leases to total assets | 75.5753% | 1,667 |
| Net loans and leases to deposits | 98.9352% | 827 |
| Net loans and leases to core deposits | 103.3850% | 1,443 |
| Total domestic deposits to total assets | 76.3887% | 4,973 |
| Equity capital to assets | 14.3835% | 888 |
| Core capital (leverage) ratio | 14.3051% | 815 |
| Tier 1 risk-based capital ratio | 17.0831% | 2,132 |
| Total risk-based capital ratio | 17.9971% | 2,187 |
| Memoranda: | ||
| Average total assets | $559,741,750 | 1,278 |
| Average earning assets | $535,044,750 | 1,243 |
| Average equity | $73,795,000 | 1,087 |
| Average total loans | $440,845,250 | 1,156 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 1,492 |
| Cost of funding earning assets | 0.3594% | 3,486 |
| Net interest margin | 4.1501% | 1,204 |
| Noninterest income to average assets | 0.2264% | 4,892 |
| Noninterest expense to average assets | 2.5136% | 3,706 |
| Loan and lease loss provision to assets | 0.0677% | 2,617 |
| Net operating income to assets | 0.9412% | 2,713 |
| Return on assets (ROA) | 0.9412% | 2,769 |
| Pretax return on assets | 1.6080% | 1,320 |
| Return on Equity (ROE) | 7.3798% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.3798% | 1,410 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7307% | 4,355 |
| Assets per employee ($millions) | 7.4328% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,526 |
| Loan loss allowance to noncurrent loans | 3,024.4604% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,171 |
| Noncurrent loans to loans | 0.0307% | 5,038 |
| Net loans and leases to total assets | 79.4849% | 1,027 |
| Net loans and leases to deposits | 113.9625% | 196 |
| Net loans and leases to core deposits | 119.3478% | 582 |
| Total domestic deposits to total assets | 69.7466% | 5,545 |
| Equity capital to assets | 14.7965% | 743 |
| Core capital (leverage) ratio | 14.8890% | 663 |
| Tier 1 risk-based capital ratio | 16.8135% | 2,198 |
| Total risk-based capital ratio | 17.7245% | 2,281 |
| Memoranda: | ||
| Average total assets | $549,500,000 | 1,302 |
| Average earning assets | $524,711,330 | 1,266 |
| Average equity | $70,083,330 | 1,141 |
| Average total loans | $437,637,670 | 1,163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,349 |
| Cost of funding earning assets | 0.3742% | 3,259 |
| Net interest margin | 4.1352% | 1,130 |
| Noninterest income to average assets | 0.3042% | 4,383 |
| Noninterest expense to average assets | 2.4297% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0572% | 2,041 |
| Return on assets (ROA) | 1.0572% | 2,085 |
| Pretax return on assets | 1.8073% | 784 |
| Return on Equity (ROE) | 9.0443% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.0443% | 1,061 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0483% | 4,832 |
| Assets per employee ($millions) | 8.0289% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,528 |
| Loan loss allowance to noncurrent loans | 2,932.8467% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 5,217 |
| Noncurrent loans to loans | 0.0325% | 5,075 |
| Net loans and leases to total assets | 77.5910% | 1,188 |
| Net loans and leases to deposits | 99.2123% | 667 |
| Net loans and leases to core deposits | 107.1447% | 1,031 |
| Total domestic deposits to total assets | 78.2070% | 4,945 |
| Equity capital to assets | 11.9259% | 1,893 |
| Core capital (leverage) ratio | 11.2876% | 2,113 |
| Tier 1 risk-based capital ratio | 13.9861% | 3,491 |
| Total risk-based capital ratio | 14.9380% | 3,574 |
| Memoranda: | ||
| Average total assets | $541,804,500 | 1,318 |
| Average earning assets | $515,280,500 | 1,281 |
| Average equity | $63,333,000 | 1,255 |
| Average total loans | $429,853,000 | 1,185 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,321 |
| Cost of funding earning assets | 0.3651% | 3,368 |
| Net interest margin | 4.2176% | 1,075 |
| Noninterest income to average assets | 0.2302% | 5,033 |
| Noninterest expense to average assets | 2.5080% | 3,981 |
| Loan and lease loss provision to assets | 0.1684% | 1,451 |
| Net operating income to assets | 0.9616% | 2,531 |
| Return on assets (ROA) | 0.9616% | 2,636 |
| Pretax return on assets | 1.5621% | 1,393 |
| Return on Equity (ROE) | 7.7656% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.7656% | 939 |
| Net charge-offs to loans | -0.0114% | 4,968 |
| Credit loss provision to net charge-offs | -1,859.0909% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8370% | 4,742 |
| Assets per employee ($millions) | 8.0246% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,718 |
| Loan loss allowance to noncurrent loans | 2,103.6649% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 5,222 |
| Noncurrent loans to loans | 0.0436% | 5,072 |
| Net loans and leases to total assets | 79.5862% | 956 |
| Net loans and leases to deposits | 105.1426% | 384 |
| Net loans and leases to core deposits | 118.5545% | 524 |
| Total domestic deposits to total assets | 75.6936% | 5,273 |
| Equity capital to assets | 11.4560% | 2,205 |
| Core capital (leverage) ratio | 11.4697% | 1,954 |
| Tier 1 risk-based capital ratio | 12.7659% | 4,220 |
| Total risk-based capital ratio | 13.6624% | 4,321 |
| Memoranda: | ||
| Average total assets | $485,640,400 | 1,420 |
| Average earning assets | $461,543,200 | 1,377 |
| Average equity | $60,137,400 | 1,289 |
| Average total loans | $385,516,600 | 1,236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,241 |
| Cost of funding earning assets | 0.3588% | 3,448 |
| Net interest margin | 4.2692% | 987 |
| Noninterest income to average assets | 0.2249% | 5,122 |
| Noninterest expense to average assets | 2.5993% | 3,663 |
| Loan and lease loss provision to assets | 0.1354% | 1,733 |
| Net operating income to assets | 0.9117% | 2,849 |
| Return on assets (ROA) | 0.9117% | 2,976 |
| Pretax return on assets | 1.5519% | 1,528 |
| Return on Equity (ROE) | 7.2057% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.2057% | 1,528 |
| Net charge-offs to loans | -0.0093% | 4,758 |
| Credit loss provision to net charge-offs | -1,838.4615% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2934% | 4,499 |
| Assets per employee ($millions) | 7.5460% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 4,770 |
| Loan loss allowance to noncurrent loans | 1,876.9231% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,322 |
| Noncurrent loans to loans | 0.0494% | 5,164 |
| Net loans and leases to total assets | 78.5637% | 1,107 |
| Net loans and leases to deposits | 103.0778% | 500 |
| Net loans and leases to core deposits | 115.3757% | 679 |
| Total domestic deposits to total assets | 76.2179% | 5,205 |
| Equity capital to assets | 12.3185% | 1,883 |
| Core capital (leverage) ratio | 12.0239% | 1,660 |
| Tier 1 risk-based capital ratio | 13.7390% | 3,718 |
| Total risk-based capital ratio | 14.6449% | 3,831 |
| Memoranda: | ||
| Average total assets | $470,633,000 | 1,454 |
| Average earning assets | $447,750,750 | 1,424 |
| Average equity | $59,543,750 | 1,307 |
| Average total loans | $372,321,750 | 1,267 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,141 |
| Cost of funding earning assets | 0.3570% | 3,491 |
| Net interest margin | 4.3044% | 915 |
| Noninterest income to average assets | 0.2522% | 4,966 |
| Noninterest expense to average assets | 2.6475% | 3,552 |
| Loan and lease loss provision to assets | 0.1798% | 1,214 |
| Net operating income to assets | 0.8906% | 2,910 |
| Return on assets (ROA) | 0.8906% | 3,037 |
| Pretax return on assets | 1.5164% | 1,619 |
| Return on Equity (ROE) | 6.9730% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.9730% | 1,615 |
| Net charge-offs to loans | -0.0143% | 4,819 |
| Credit loss provision to net charge-offs | -1,596.1538% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5906% | 4,565 |
| Assets per employee ($millions) | 7.4170% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,857 |
| Loan loss allowance to noncurrent loans | 1,835.2041% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 5,413 |
| Noncurrent loans to loans | 0.0506% | 5,260 |
| Net loans and leases to total assets | 79.5830% | 972 |
| Net loans and leases to deposits | 109.5539% | 267 |
| Net loans and leases to core deposits | 123.1305% | 432 |
| Total domestic deposits to total assets | 72.6427% | 5,628 |
| Equity capital to assets | 12.4723% | 1,788 |
| Core capital (leverage) ratio | 12.3240% | 1,445 |
| Tier 1 risk-based capital ratio | 13.4933% | 3,910 |
| Total risk-based capital ratio | 14.3879% | 4,039 |
| Memoranda: | ||
| Average total assets | $461,498,000 | 1,489 |
| Average earning assets | $438,663,330 | 1,458 |
| Average equity | $58,941,330 | 1,320 |
| Average total loans | $364,783,330 | 1,285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 841 |
| Cost of funding earning assets | 0.3613% | 3,491 |
| Net interest margin | 4.4411% | 682 |
| Noninterest income to average assets | 0.3262% | 4,398 |
| Noninterest expense to average assets | 2.6507% | 3,575 |
| Loan and lease loss provision to assets | 0.0452% | 3,021 |
| Net operating income to assets | 1.0727% | 2,005 |
| Return on assets (ROA) | 1.0727% | 2,118 |
| Pretax return on assets | 1.8263% | 813 |
| Return on Equity (ROE) | 8.2951% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.2951% | 1,341 |
| Net charge-offs to loans | -0.0294% | 5,059 |
| Credit loss provision to net charge-offs | -196.1538% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2435% | 4,964 |
| Assets per employee ($millions) | 6.6782% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 4,969 |
| Loan loss allowance to noncurrent loans | 1,641.1168% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,448 |
| Noncurrent loans to loans | 0.0564% | 5,259 |
| Net loans and leases to total assets | 77.3260% | 1,203 |
| Net loans and leases to deposits | 103.7505% | 425 |
| Net loans and leases to core deposits | 117.8283% | 534 |
| Total domestic deposits to total assets | 74.5307% | 5,563 |
| Equity capital to assets | 13.2001% | 1,319 |
| Core capital (leverage) ratio | 12.2685% | 1,453 |
| Tier 1 risk-based capital ratio | 14.9248% | 3,193 |
| Total risk-based capital ratio | 15.8320% | 3,286 |
| Memoranda: | ||
| Average total assets | $451,196,000 | 1,519 |
| Average earning assets | $426,291,000 | 1,491 |
| Average equity | $58,347,500 | 1,326 |
| Average total loans | $353,541,000 | 1,316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 719 |
| Cost of funding earning assets | 0.3562% | 3,636 |
| Net interest margin | 4.5738% | 578 |
| Noninterest income to average assets | 0.3001% | 4,737 |
| Noninterest expense to average assets | 2.6245% | 3,840 |
| Loan and lease loss provision to assets | 0.0490% | 3,349 |
| Net operating income to assets | 1.1372% | 1,781 |
| Return on assets (ROA) | 1.1372% | 1,847 |
| Pretax return on assets | 1.9378% | 616 |
| Return on Equity (ROE) | 9.1815% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.1815% | 613 |
| Net charge-offs to loans | -0.0044% | 4,954 |
| Credit loss provision to net charge-offs | -1,440.0000% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5001% | 5,301 |
| Assets per employee ($millions) | 6.7904% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 5,149 |
| Loan loss allowance to noncurrent loans | 1,402.6667% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,481 |
| Noncurrent loans to loans | 0.0629% | 5,265 |
| Net loans and leases to total assets | 77.9655% | 1,125 |
| Net loans and leases to deposits | 103.8388% | 451 |
| Net loans and leases to core deposits | 118.1501% | 537 |
| Total domestic deposits to total assets | 75.0832% | 5,545 |
| Equity capital to assets | 12.6678% | 1,522 |
| Core capital (leverage) ratio | 11.8483% | 1,728 |
| Tier 1 risk-based capital ratio | 14.5879% | 3,392 |
| Total risk-based capital ratio | 15.4822% | 3,499 |
| Memoranda: | ||
| Average total assets | $440,544,000 | 1,514 |
| Average earning assets | $415,260,800 | 1,484 |
| Average equity | $54,566,200 | 1,370 |
| Average total loans | $339,582,000 | 1,319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 839 |
| Cost of funding earning assets | 0.3609% | 3,643 |
| Net interest margin | 4.4974% | 656 |
| Noninterest income to average assets | 0.3503% | 4,436 |
| Noninterest expense to average assets | 2.6099% | 3,839 |
| Loan and lease loss provision to assets | 0.0232% | 3,810 |
| Net operating income to assets | 1.1489% | 1,835 |
| Return on assets (ROA) | 1.1489% | 1,899 |
| Pretax return on assets | 1.9569% | 656 |
| Return on Equity (ROE) | 9.3307% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.3307% | 784 |
| Net charge-offs to loans | -0.0044% | 4,812 |
| Credit loss provision to net charge-offs | -690.9091% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4420% | 5,291 |
| Assets per employee ($millions) | 6.8483% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 5,193 |
| Loan loss allowance to noncurrent loans | 666.3717% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,336 |
| Noncurrent loans to loans | 0.1356% | 5,090 |
| Net loans and leases to total assets | 75.3501% | 1,483 |
| Net loans and leases to deposits | 100.9945% | 608 |
| Net loans and leases to core deposits | 112.1021% | 757 |
| Total domestic deposits to total assets | 74.6081% | 5,650 |
| Equity capital to assets | 12.8152% | 1,552 |
| Core capital (leverage) ratio | 11.8438% | 1,784 |
| Tier 1 risk-based capital ratio | 15.3653% | 3,108 |
| Total risk-based capital ratio | 16.2810% | 3,214 |
| Memoranda: | ||
| Average total assets | $436,941,250 | 1,537 |
| Average earning assets | $411,904,500 | 1,507 |
| Average equity | $53,799,500 | 1,395 |
| Average total loans | $335,011,500 | 1,339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 855 |
| Cost of funding earning assets | 0.3659% | 3,640 |
| Net interest margin | 4.4549% | 685 |
| Noninterest income to average assets | 0.3491% | 4,464 |
| Noninterest expense to average assets | 2.6278% | 3,822 |
| Loan and lease loss provision to assets | 0.0339% | 3,434 |
| Net operating income to assets | 1.1029% | 1,945 |
| Return on assets (ROA) | 1.1029% | 2,032 |
| Pretax return on assets | 1.8827% | 760 |
| Return on Equity (ROE) | 9.0813% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.0813% | 895 |
| Net charge-offs to loans | -0.0048% | 4,726 |
| Credit loss provision to net charge-offs | -925.0000% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3906% | 5,296 |
| Assets per employee ($millions) | 7.1116% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 5,312 |
| Loan loss allowance to noncurrent loans | 219.9707% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 4,642 |
| Noncurrent loans to loans | 0.4075% | 4,256 |
| Net loans and leases to total assets | 75.4051% | 1,454 |
| Net loans and leases to deposits | 100.1723% | 647 |
| Net loans and leases to core deposits | 111.1224% | 779 |
| Total domestic deposits to total assets | 75.2754% | 5,676 |
| Equity capital to assets | 12.3800% | 1,744 |
| Core capital (leverage) ratio | 11.2749% | 2,184 |
| Tier 1 risk-based capital ratio | 15.1789% | 3,259 |
| Total risk-based capital ratio | 16.1108% | 3,373 |
| Memoranda: | ||
| Average total assets | $436,490,670 | 1,547 |
| Average earning assets | $411,054,330 | 1,515 |
| Average equity | $53,010,000 | 1,428 |
| Average total loans | $335,593,330 | 1,338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 973 |
| Cost of funding earning assets | 0.3618% | 3,729 |
| Net interest margin | 4.3738% | 775 |
| Noninterest income to average assets | 0.4624% | 3,558 |
| Noninterest expense to average assets | 2.4998% | 4,264 |
| Loan and lease loss provision to assets | 0.0322% | 3,244 |
| Net operating income to assets | 1.2002% | 1,546 |
| Return on assets (ROA) | 1.2002% | 1,644 |
| Pretax return on assets | 2.0503% | 538 |
| Return on Equity (ROE) | 9.9805% | 2,018 |
| Retained earnings to average equity (ytd only) | 9.9805% | 932 |
| Net charge-offs to loans | -0.0048% | 4,484 |
| Credit loss provision to net charge-offs | -875.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0905% | 5,673 |
| Assets per employee ($millions) | 7.1780% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 5,494 |
| Loan loss allowance to noncurrent loans | 151.8443% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 4,281 |
| Noncurrent loans to loans | 0.5807% | 3,837 |
| Net loans and leases to total assets | 74.8651% | 1,379 |
| Net loans and leases to deposits | 98.7888% | 633 |
| Net loans and leases to core deposits | 109.7135% | 757 |
| Total domestic deposits to total assets | 75.7830% | 5,762 |
| Equity capital to assets | 11.8985% | 2,108 |
| Core capital (leverage) ratio | 11.4909% | 2,006 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,602 |
| Total risk-based capital ratio | 15.6313% | 3,706 |
| Memoranda: | ||
| Average total assets | $434,275,500 | 1,563 |
| Average earning assets | $409,071,500 | 1,530 |
| Average equity | $52,222,000 | 1,452 |
| Average total loans | $335,648,000 | 1,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,829 |
| Cost of funding earning assets | 0.3768% | 3,946 |
| Net interest margin | 4.1333% | 1,478 |
| Noninterest income to average assets | 0.3600% | 4,522 |
| Noninterest expense to average assets | 2.8222% | 3,408 |
| Loan and lease loss provision to assets | 0.2656% | 828 |
| Net operating income to assets | 0.6654% | 4,063 |
| Return on assets (ROA) | 0.7115% | 3,939 |
| Pretax return on assets | 1.2249% | 2,548 |
| Return on Equity (ROE) | 5.0531% | 4,634 |
| Retained earnings to average equity (ytd only) | 5.0531% | 2,567 |
| Net charge-offs to loans | 0.0099% | 4,709 |
| Credit loss provision to net charge-offs | 3,488.8889% | 85 |
| Earnings coverage of net charge-offs (x) | 186.3333% | 286 |
| Efficiency ratio | 65.9354% | 4,265 |
| Assets per employee ($millions) | 7.1782% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 5,554 |
| Loan loss allowance to noncurrent loans | 148.7036% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 4,257 |
| Noncurrent loans to loans | 0.5869% | 3,904 |
| Net loans and leases to total assets | 78.4460% | 944 |
| Net loans and leases to deposits | 108.7849% | 274 |
| Net loans and leases to core deposits | 122.3747% | 355 |
| Total domestic deposits to total assets | 72.1111% | 6,075 |
| Equity capital to assets | 12.1581% | 1,896 |
| Core capital (leverage) ratio | 13.9999% | 814 |
| Tier 1 risk-based capital ratio | 14.4075% | 3,827 |
| Total risk-based capital ratio | 15.2592% | 4,012 |
| Memoranda: | ||
| Average total assets | $354,720,400 | 1,840 |
| Average earning assets | $333,029,400 | 1,800 |
| Average equity | $49,949,600 | 1,444 |
| Average total loans | $271,943,200 | 1,565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,446 |
| Cost of funding earning assets | 0.3903% | 3,896 |
| Net interest margin | 4.2555% | 1,142 |
| Noninterest income to average assets | 0.3923% | 4,307 |
| Noninterest expense to average assets | 2.9587% | 2,936 |
| Loan and lease loss provision to assets | 0.2240% | 1,016 |
| Net operating income to assets | 0.7071% | 3,907 |
| Return on assets (ROA) | 0.7071% | 4,009 |
| Pretax return on assets | 1.2017% | 2,773 |
| Return on Equity (ROE) | 4.8152% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.8152% | 3,205 |
| Net charge-offs to loans | 0.0151% | 4,251 |
| Credit loss provision to net charge-offs | 1,955.1724% | 183 |
| Earnings coverage of net charge-offs (x) | 124.4344% | 479 |
| Efficiency ratio | 66.8529% | 4,073 |
| Assets per employee ($millions) | 5.9210% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 5,571 |
| Loan loss allowance to noncurrent loans | 257.3737% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 5,116 |
| Noncurrent loans to loans | 0.3536% | 4,845 |
| Net loans and leases to total assets | 80.7809% | 634 |
| Net loans and leases to deposits | 98.0276% | 733 |
| Net loans and leases to core deposits | 108.9867% | 795 |
| Total domestic deposits to total assets | 82.4063% | 4,333 |
| Equity capital to assets | 14.7289% | 799 |
| Core capital (leverage) ratio | 13.9334% | 862 |
| Tier 1 risk-based capital ratio | 16.3416% | 2,880 |
| Total risk-based capital ratio | 17.2560% | 3,010 |
| Memoranda: | ||
| Average total assets | $337,522,250 | 1,936 |
| Average earning assets | $316,633,500 | 1,901 |
| Average equity | $49,564,250 | 1,456 |
| Average total loans | $256,140,500 | 1,659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,652 |
| Cost of funding earning assets | 0.3925% | 3,952 |
| Net interest margin | 4.1637% | 1,336 |
| Noninterest income to average assets | 0.4369% | 3,976 |
| Noninterest expense to average assets | 3.0075% | 2,798 |
| Loan and lease loss provision to assets | 0.2479% | 891 |
| Net operating income to assets | 0.6360% | 4,180 |
| Return on assets (ROA) | 0.6360% | 4,283 |
| Pretax return on assets | 1.0889% | 3,138 |
| Return on Equity (ROE) | 4.3352% | 5,007 |
| Retained earnings to average equity (ytd only) | 4.3352% | 3,414 |
| Net charge-offs to loans | 0.0266% | 3,660 |
| Credit loss provision to net charge-offs | 1,260.6061% | 277 |
| Earnings coverage of net charge-offs (x) | 67.9697% | 742 |
| Efficiency ratio | 68.5828% | 3,905 |
| Assets per employee ($millions) | 5.7543% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,712 |
| Loan loss allowance to noncurrent loans | 247.7226% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 5,229 |
| Noncurrent loans to loans | 0.3648% | 4,896 |
| Net loans and leases to total assets | 77.2886% | 1,004 |
| Net loans and leases to deposits | 94.1021% | 951 |
| Net loans and leases to core deposits | 105.0411% | 958 |
| Total domestic deposits to total assets | 82.1328% | 4,601 |
| Equity capital to assets | 14.6823% | 779 |
| Core capital (leverage) ratio | 13.3160% | 1,044 |
| Tier 1 risk-based capital ratio | 16.1821% | 2,988 |
| Total risk-based capital ratio | 17.0573% | 3,124 |
| Memoranda: | ||
| Average total assets | $335,556,670 | 1,946 |
| Average earning assets | $314,909,670 | 1,906 |
| Average equity | $49,225,000 | 1,459 |
| Average total loans | $248,199,000 | 1,706 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 1,979 |
| Cost of funding earning assets | 0.3733% | 4,272 |
| Net interest margin | 4.0688% | 1,548 |
| Noninterest income to average assets | 0.4880% | 3,506 |
| Noninterest expense to average assets | 3.0745% | 2,605 |
| Loan and lease loss provision to assets | 0.2458% | 882 |
| Net operating income to assets | 0.5672% | 4,363 |
| Return on assets (ROA) | 0.5672% | 4,441 |
| Pretax return on assets | 0.9713% | 3,436 |
| Return on Equity (ROE) | 3.8680% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.8680% | 3,799 |
| Net charge-offs to loans | -0.0067% | 4,896 |
| Credit loss provision to net charge-offs | -5,125.0000% | 5,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9416% | 3,660 |
| Assets per employee ($millions) | 5.6189% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 5,884 |
| Loan loss allowance to noncurrent loans | 312.0956% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 5,601 |
| Noncurrent loans to loans | 0.2866% | 5,253 |
| Net loans and leases to total assets | 71.7272% | 1,617 |
| Net loans and leases to deposits | 88.0311% | 1,361 |
| Net loans and leases to core deposits | 95.4824% | 1,428 |
| Total domestic deposits to total assets | 81.4794% | 5,099 |
| Equity capital to assets | 14.3593% | 819 |
| Core capital (leverage) ratio | 13.9676% | 829 |
| Tier 1 risk-based capital ratio | 17.0973% | 2,642 |
| Total risk-based capital ratio | 17.9591% | 2,774 |
| Memoranda: | ||
| Average total assets | $333,583,000 | 1,968 |
| Average earning assets | $311,836,000 | 1,932 |
| Average equity | $48,914,000 | 1,466 |
| Average total loans | $239,903,000 | 1,761 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9614% | 991 |
| Cost of funding earning assets | 0.5006% | 3,605 |
| Net interest margin | 4.4607% | 800 |
| Noninterest income to average assets | 1.0998% | 1,158 |
| Noninterest expense to average assets | 3.3064% | 2,127 |
| Loan and lease loss provision to assets | 0.2833% | 1,217 |
| Net operating income to assets | 1.2047% | 1,547 |
| Return on assets (ROA) | 1.2047% | 1,622 |
| Pretax return on assets | 1.7039% | 942 |
| Return on Equity (ROE) | 7.8713% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.8713% | 1,102 |
| Net charge-offs to loans | -0.0084% | 5,996 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8992% | 5,234 |
| Assets per employee ($millions) | 5.6914% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 6,018 |
| Loan loss allowance to noncurrent loans | 282.7004% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,570 |
| Noncurrent loans to loans | 0.3068% | 5,266 |
| Net loans and leases to total assets | 70.8140% | 1,878 |
| Net loans and leases to deposits | 87.7998% | 1,487 |
| Net loans and leases to core deposits | 90.5925% | 1,953 |
| Total domestic deposits to total assets | 80.6539% | 5,281 |
| Equity capital to assets | 14.9843% | 673 |
| Core capital (leverage) ratio | 14.1451% | 790 |
| Tier 1 risk-based capital ratio | 17.7407% | 2,321 |
| Total risk-based capital ratio | 18.5654% | 2,460 |
| Memoranda: | ||
| Average total assets | $259,406,800 | 2,442 |
| Average earning assets | $243,885,200 | 2,390 |
| Average equity | $39,701,400 | 1,758 |
| Average total loans | $177,845,800 | 2,220 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 1,044 |
| Cost of funding earning assets | 0.5355% | 3,412 |
| Net interest margin | 4.4060% | 880 |
| Noninterest income to average assets | 0.6898% | 2,666 |
| Noninterest expense to average assets | 3.4720% | 1,668 |
| Loan and lease loss provision to assets | 0.3367% | 972 |
| Net operating income to assets | 0.5659% | 4,498 |
| Return on assets (ROA) | 0.5659% | 4,651 |
| Pretax return on assets | 1.0363% | 3,350 |
| Return on Equity (ROE) | 3.6718% | 5,367 |
| Retained earnings to average equity (ytd only) | 3.6718% | 4,088 |
| Net charge-offs to loans | -0.0089% | 5,869 |
| Credit loss provision to net charge-offs | -5,581.8182% | 6,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0729% | 3,596 |
| Assets per employee ($millions) | 6.1381% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,101 |
| Loan loss allowance to noncurrent loans | 142.8355% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 5,208 |
| Noncurrent loans to loans | 0.6183% | 4,659 |
| Net loans and leases to total assets | 64.9972% | 2,801 |
| Net loans and leases to deposits | 79.9352% | 2,418 |
| Net loans and leases to core deposits | 82.8629% | 2,781 |
| Total domestic deposits to total assets | 81.3124% | 5,133 |
| Equity capital to assets | 14.2685% | 889 |
| Core capital (leverage) ratio | 13.1591% | 1,143 |
| Tier 1 risk-based capital ratio | 18.4259% | 2,167 |
| Total risk-based capital ratio | 19.2854% | 2,274 |
| Memoranda: | ||
| Average total assets | $243,155,500 | 2,608 |
| Average earning assets | $229,317,250 | 2,535 |
| Average equity | $37,474,000 | 1,867 |
| Average total loans | $164,372,500 | 2,373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,000 |
| Cost of funding earning assets | 0.5908% | 3,027 |
| Net interest margin | 4.3583% | 926 |
| Noninterest income to average assets | 0.7795% | 2,277 |
| Noninterest expense to average assets | 3.6632% | 1,308 |
| Loan and lease loss provision to assets | 0.2225% | 1,703 |
| Net operating income to assets | 0.5339% | 4,649 |
| Return on assets (ROA) | 0.5339% | 4,814 |
| Pretax return on assets | 1.0168% | 3,430 |
| Return on Equity (ROE) | 3.3398% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.3398% | 4,189 |
| Net charge-offs to loans | -0.0149% | 5,874 |
| Credit loss provision to net charge-offs | -2,181.8182% | 6,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6077% | 3,011 |
| Assets per employee ($millions) | 6.1439% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 6,439 |
| Loan loss allowance to noncurrent loans | 2,905.7692% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 6,496 |
| Noncurrent loans to loans | 0.0256% | 6,339 |
| Net loans and leases to total assets | 64.2625% | 2,874 |
| Net loans and leases to deposits | 79.9346% | 2,330 |
| Net loans and leases to core deposits | 83.7973% | 2,590 |
| Total domestic deposits to total assets | 80.3938% | 5,511 |
| Equity capital to assets | 14.5529% | 813 |
| Core capital (leverage) ratio | 14.0046% | 821 |
| Tier 1 risk-based capital ratio | 20.3427% | 1,641 |
| Total risk-based capital ratio | 21.1197% | 1,725 |
| Memoranda: | ||
| Average total assets | $215,768,330 | 2,895 |
| Average earning assets | $204,115,000 | 2,818 |
| Average equity | $34,492,670 | 2,013 |
| Average total loans | $148,053,000 | 2,598 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 1,239 |
| Cost of funding earning assets | 0.6926% | 2,284 |
| Net interest margin | 4.1332% | 1,364 |
| Noninterest income to average assets | 0.4192% | 4,316 |
| Noninterest expense to average assets | 2.6877% | 4,115 |
| Loan and lease loss provision to assets | 0.1605% | 2,267 |
| Net operating income to assets | 0.7977% | 3,179 |
| Return on assets (ROA) | 0.7977% | 3,314 |
| Pretax return on assets | 1.5307% | 1,485 |
| Return on Equity (ROE) | 4.6028% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.6028% | 3,476 |
| Net charge-offs to loans | -0.0133% | 5,544 |
| Credit loss provision to net charge-offs | -1,675.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3786% | 5,397 |
| Assets per employee ($millions) | 6.7423% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 5,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.9412% | 1,360 |
| Net loans and leases to deposits | 94.5786% | 636 |
| Net loans and leases to core deposits | 98.2913% | 1,061 |
| Total domestic deposits to total assets | 76.0651% | 6,358 |
| Equity capital to assets | 17.2761% | 394 |
| Core capital (leverage) ratio | 16.6652% | 387 |
| Tier 1 risk-based capital ratio | 22.7544% | 1,197 |
| Total risk-based capital ratio | 23.8850% | 1,195 |
| Memoranda: | ||
| Average total assets | $166,982,500 | 3,548 |
| Average earning assets | $159,973,000 | 3,430 |
| Average equity | $28,939,000 | 2,384 |
| Average total loans | $120,644,000 | 3,078 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 1,411 |
| Cost of funding earning assets | 0.7327% | 3,226 |
| Net interest margin | 4.3240% | 1,342 |
| Noninterest income to average assets | 0.1804% | 6,105 |
| Noninterest expense to average assets | 2.8986% | 3,648 |
| Loan and lease loss provision to assets | 0.2194% | 2,940 |
| Net operating income to assets | 0.7736% | 3,398 |
| Return on assets (ROA) | 0.7736% | 3,649 |
| Pretax return on assets | 1.1648% | 2,930 |
| Return on Equity (ROE) | 4.4677% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.4677% | 3,090 |
| Net charge-offs to loans | 0.0859% | 4,821 |
| Credit loss provision to net charge-offs | 362.2449% | 674 |
| Earnings coverage of net charge-offs (x) | 22.8571% | 1,241 |
| Efficiency ratio | 67.6814% | 4,205 |
| Assets per employee ($millions) | 6.3618% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 5,714 |
| Loan loss allowance to noncurrent loans | 278.1457% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 5,871 |
| Noncurrent loans to loans | 0.3817% | 5,543 |
| Net loans and leases to total assets | 70.9972% | 1,648 |
| Net loans and leases to deposits | 93.4821% | 784 |
| Net loans and leases to core deposits | 98.0414% | 1,143 |
| Total domestic deposits to total assets | 75.9474% | 6,361 |
| Equity capital to assets | 17.3861% | 377 |
| Core capital (leverage) ratio | 15.7756% | 478 |
| Tier 1 risk-based capital ratio | 23.5313% | 1,030 |
| Total risk-based capital ratio | 24.6532% | 1,031 |
| Memoranda: | ||
| Average total assets | $161,834,800 | 3,589 |
| Average earning assets | $153,537,600 | 3,491 |
| Average equity | $28,023,200 | 2,393 |
| Average total loans | $114,048,600 | 3,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 1,344 |
| Cost of funding earning assets | 0.7268% | 3,545 |
| Net interest margin | 4.4064% | 1,189 |
| Noninterest income to average assets | 0.2129% | 6,019 |
| Noninterest expense to average assets | 2.9691% | 3,340 |
| Loan and lease loss provision to assets | 0.1947% | 3,144 |
| Net operating income to assets | 0.7704% | 3,599 |
| Return on assets (ROA) | 0.7704% | 3,856 |
| Pretax return on assets | 1.2178% | 2,925 |
| Return on Equity (ROE) | 4.4540% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.4540% | 3,761 |
| Net charge-offs to loans | 0.1205% | 4,170 |
| Credit loss provision to net charge-offs | 230.3922% | 1,201 |
| Earnings coverage of net charge-offs (x) | 16.7153% | 1,670 |
| Efficiency ratio | 67.7633% | 4,112 |
| Assets per employee ($millions) | 6.3907% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,028 |
| Loan loss allowance to noncurrent loans | 250.7726% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 6,019 |
| Noncurrent loans to loans | 0.4039% | 5,646 |
| Net loans and leases to total assets | 66.8209% | 2,495 |
| Net loans and leases to deposits | 88.0246% | 1,347 |
| Net loans and leases to core deposits | 92.3687% | 1,744 |
| Total domestic deposits to total assets | 75.9116% | 6,391 |
| Equity capital to assets | 17.0891% | 448 |
| Core capital (leverage) ratio | 15.7922% | 505 |
| Tier 1 risk-based capital ratio | 21.8518% | 1,355 |
| Total risk-based capital ratio | 22.8354% | 1,379 |
| Memoranda: | ||
| Average total assets | $160,941,500 | 3,635 |
| Average earning assets | $152,258,500 | 3,544 |
| Average equity | $27,839,500 | 2,427 |
| Average total loans | $112,887,000 | 3,259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 1,019 |
| Cost of funding earning assets | 0.7016% | 4,003 |
| Net interest margin | 4.6144% | 802 |
| Noninterest income to average assets | 0.2538% | 5,766 |
| Noninterest expense to average assets | 3.1218% | 2,847 |
| Loan and lease loss provision to assets | 0.2337% | 2,735 |
| Net operating income to assets | 0.7198% | 3,756 |
| Return on assets (ROA) | 0.7198% | 4,029 |
| Pretax return on assets | 1.2525% | 2,718 |
| Return on Equity (ROE) | 4.1440% | 5,202 |
| Retained earnings to average equity (ytd only) | 4.1440% | 3,853 |
| Net charge-offs to loans | 0.1856% | 3,470 |
| Credit loss provision to net charge-offs | 177.1429% | 1,590 |
| Earnings coverage of net charge-offs (x) | 11.2667% | 1,975 |
| Efficiency ratio | 67.7481% | 4,177 |
| Assets per employee ($millions) | 6.3868% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 6,265 |
| Loan loss allowance to noncurrent loans | 239.0728% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 6,062 |
| Noncurrent loans to loans | 0.4052% | 5,722 |
| Net loans and leases to total assets | 69.3411% | 2,044 |
| Net loans and leases to deposits | 92.2327% | 927 |
| Net loans and leases to core deposits | 97.0172% | 1,349 |
| Total domestic deposits to total assets | 75.1807% | 6,568 |
| Equity capital to assets | 17.5293% | 385 |
| Core capital (leverage) ratio | 16.5779% | 401 |
| Tier 1 risk-based capital ratio | 22.8425% | 1,153 |
| Total risk-based capital ratio | 23.8327% | 1,171 |
| Memoranda: | ||
| Average total assets | $159,202,330 | 3,681 |
| Average earning assets | $150,224,000 | 3,597 |
| Average equity | $27,654,330 | 2,432 |
| Average total loans | $113,127,670 | 3,272 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4356% | 862 |
| Cost of funding earning assets | 0.6795% | 4,472 |
| Net interest margin | 4.7562% | 618 |
| Noninterest income to average assets | 0.0931% | 6,780 |
| Noninterest expense to average assets | 3.4825% | 1,796 |
| Loan and lease loss provision to assets | 0.0126% | 5,150 |
| Net operating income to assets | 0.6140% | 4,289 |
| Return on assets (ROA) | 0.6140% | 4,500 |
| Pretax return on assets | 1.0719% | 3,424 |
| Return on Equity (ROE) | 3.5508% | 5,489 |
| Retained earnings to average equity (ytd only) | 3.5508% | 4,457 |
| Net charge-offs to loans | -0.0141% | 6,057 |
| Credit loss provision to net charge-offs | -125.0000% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2534% | 2,754 |
| Assets per employee ($millions) | 6.2685% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,542 |
| Loan loss allowance to noncurrent loans | 97.4013% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0535% | 4,384 |
| Noncurrent loans to loans | 0.9211% | 4,825 |
| Net loans and leases to total assets | 71.3342% | 1,515 |
| Net loans and leases to deposits | 95.0547% | 595 |
| Net loans and leases to core deposits | 101.3307% | 899 |
| Total domestic deposits to total assets | 75.0455% | 6,639 |
| Equity capital to assets | 17.6284% | 369 |
| Core capital (leverage) ratio | 16.0341% | 460 |
| Tier 1 risk-based capital ratio | 22.0894% | 1,274 |
| Total risk-based capital ratio | 22.9890% | 1,303 |
| Memoranda: | ||
| Average total assets | $158,968,500 | 3,703 |
| Average earning assets | $149,531,500 | 3,626 |
| Average equity | $27,487,000 | 2,433 |
| Average total loans | $113,791,500 | 3,279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 1,998 |
| Cost of funding earning assets | 0.8674% | 4,339 |
| Net interest margin | 4.3501% | 1,539 |
| Noninterest income to average assets | 0.5665% | 3,382 |
| Noninterest expense to average assets | 3.2399% | 2,727 |
| Loan and lease loss provision to assets | 0.1632% | 4,587 |
| Net operating income to assets | 0.7739% | 3,161 |
| Return on assets (ROA) | 0.7739% | 3,325 |
| Pretax return on assets | 1.3141% | 2,074 |
| Return on Equity (ROE) | 3.2150% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.2150% | 3,931 |
| Net charge-offs to loans | -0.0041% | 6,829 |
| Credit loss provision to net charge-offs | -5,166.6667% | 6,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6830% | 4,212 |
| Assets per employee ($millions) | 5.7580% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,595 |
| Loan loss allowance to noncurrent loans | 144.5245% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 5,010 |
| Noncurrent loans to loans | 0.6046% | 5,507 |
| Net loans and leases to total assets | 70.5714% | 1,909 |
| Net loans and leases to deposits | 92.8853% | 893 |
| Net loans and leases to core deposits | 98.8274% | 1,275 |
| Total domestic deposits to total assets | 75.9769% | 6,487 |
| Equity capital to assets | 16.9627% | 444 |
| Core capital (leverage) ratio | 20.8317% | 168 |
| Tier 1 risk-based capital ratio | 21.7400% | 1,274 |
| Total risk-based capital ratio | 22.5980% | 1,323 |
| Memoranda: | ||
| Average total assets | $94,972,600 | 5,048 |
| Average earning assets | $90,619,000 | 4,911 |
| Average equity | $22,861,600 | 2,798 |
| Average total loans | $73,598,000 | 4,362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6389% | 962 |
| Cost of funding earning assets | 1.0412% | 3,381 |
| Net interest margin | 4.5977% | 951 |
| Noninterest income to average assets | 0.3027% | 5,444 |
| Noninterest expense to average assets | 2.9400% | 3,773 |
| Loan and lease loss provision to assets | 0.1649% | 4,419 |
| Net operating income to assets | 1.5763% | 811 |
| Return on assets (ROA) | 1.5763% | 883 |
| Pretax return on assets | 1.6205% | 1,329 |
| Return on Equity (ROE) | 5.6852% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.6852% | 2,753 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2166% | 5,376 |
| Assets per employee ($millions) | 7.2097% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 4,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 73.9297% | 1,331 |
| Net loans and leases to deposits | 118.5846% | 92 |
| Net loans and leases to core deposits | 124.7435% | 301 |
| Total domestic deposits to total assets | 62.3434% | 7,271 |
| Equity capital to assets | 25.8010% | 111 |
| Core capital (leverage) ratio | 26.7666% | 91 |
| Tier 1 risk-based capital ratio | 35.6953% | 325 |
| Total risk-based capital ratio | 36.9492% | 320 |
| Memoranda: | ||
| Average total assets | $78,409,750 | 5,543 |
| Average earning assets | $75,426,750 | 5,403 |
| Average equity | $21,740,000 | 2,908 |
| Average total loans | $63,302,250 | 4,789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 742 |
| Cost of funding earning assets | 1.0472% | 3,623 |
| Net interest margin | 4.7318% | 685 |
| Noninterest income to average assets | 0.4306% | 4,418 |
| Noninterest expense to average assets | 3.1886% | 2,947 |
| Loan and lease loss provision to assets | 0.2695% | 3,236 |
| Net operating income to assets | 1.5322% | 833 |
| Return on assets (ROA) | 1.5322% | 887 |
| Pretax return on assets | 1.5322% | 1,426 |
| Return on Equity (ROE) | 5.3838% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.3838% | 2,751 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8962% | 5,258 |
| Assets per employee ($millions) | 7.4120% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 78.8267% | 667 |
| Net loans and leases to deposits | 130.1308% | 54 |
| Net loans and leases to core deposits | 135.5972% | 216 |
| Total domestic deposits to total assets | 60.5750% | 7,371 |
| Equity capital to assets | 26.8778% | 104 |
| Core capital (leverage) ratio | 27.5876% | 93 |
| Tier 1 risk-based capital ratio | 34.9658% | 348 |
| Total risk-based capital ratio | 36.2187% | 338 |
| Memoranda: | ||
| Average total assets | $75,707,670 | 5,664 |
| Average earning assets | $72,953,330 | 5,526 |
| Average equity | $21,546,000 | 2,917 |
| Average total loans | $62,768,670 | 4,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 964 |
| Cost of funding earning assets | 1.0253% | 4,027 |
| Net interest margin | 4.6311% | 815 |
| Noninterest income to average assets | 0.5989% | 3,171 |
| Noninterest expense to average assets | 3.3574% | 2,390 |
| Loan and lease loss provision to assets | 0.4341% | 2,027 |
| Net operating income to assets | 1.2748% | 1,335 |
| Return on assets (ROA) | 1.2748% | 1,381 |
| Pretax return on assets | 1.2748% | 2,120 |
| Return on Equity (ROE) | 4.3442% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.3442% | 3,566 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2690% | 4,992 |
| Assets per employee ($millions) | 5.2143% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 4,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 86.4041% | 116 |
| Net loans and leases to deposits | 137.5172% | 43 |
| Net loans and leases to core deposits | 147.1068% | 165 |
| Total domestic deposits to total assets | 62.8315% | 7,386 |
| Equity capital to assets | 29.4658% | 80 |
| Core capital (leverage) ratio | 29.5378% | 80 |
| Tier 1 risk-based capital ratio | 34.8634% | 352 |
| Total risk-based capital ratio | 36.1098% | 347 |
| Memoranda: | ||
| Average total assets | $72,795,500 | 5,795 |
| Average earning assets | $70,221,500 | 5,658 |
| Average equity | $21,362,000 | 2,933 |
| Average total loans | $61,545,000 | 4,925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 1,511 |
| Cost of funding earning assets | 1.0983% | 5,142 |
| Net interest margin | 4.6181% | 976 |
| Noninterest income to average assets | 0.2481% | 6,022 |
| Noninterest expense to average assets | 3.4103% | 2,413 |
| Loan and lease loss provision to assets | 0.5382% | 2,996 |
| Net operating income to assets | 0.7042% | 3,215 |
| Return on assets (ROA) | 0.7042% | 3,342 |
| Pretax return on assets | 0.7059% | 3,957 |
| Return on Equity (ROE) | 2.0190% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.0190% | 4,457 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2709% | 3,539 |
| Assets per employee ($millions) | 5.1851% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 4,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 80.2386% | 636 |
| Net loans and leases to deposits | 129.1944% | 70 |
| Net loans and leases to core deposits | 137.5446% | 245 |
| Total domestic deposits to total assets | 62.1069% | 7,478 |
| Equity capital to assets | 29.2240% | 85 |
| Core capital (leverage) ratio | 29.7326% | 86 |
| Tier 1 risk-based capital ratio | 36.6348% | 305 |
| Total risk-based capital ratio | 37.8871% | 297 |
| Memoranda: | ||
| Average total assets | $59,642,000 | 6,218 |
| Average earning assets | $56,907,000 | 6,099 |
| Average equity | $20,802,400 | 3,039 |
| Average total loans | $47,050,800 | 5,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 1,682 |
| Cost of funding earning assets | 1.0767% | 5,563 |
| Net interest margin | 4.6351% | 968 |
| Noninterest income to average assets | 0.3191% | 5,600 |
| Noninterest expense to average assets | 3.5977% | 1,798 |
| Loan and lease loss provision to assets | 0.5484% | 2,753 |
| Net operating income to assets | 0.5768% | 3,973 |
| Return on assets (ROA) | 0.5768% | 4,134 |
| Pretax return on assets | 0.5791% | 4,666 |
| Return on Equity (ROE) | 1.5717% | 5,745 |
| Retained earnings to average equity (ytd only) | 1.5717% | 5,166 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1381% | 2,925 |
| Assets per employee ($millions) | 4.9346% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 74.1767% | 1,763 |
| Net loans and leases to deposits | 119.6307% | 117 |
| Net loans and leases to core deposits | 129.9282% | 375 |
| Total domestic deposits to total assets | 62.0048% | 7,558 |
| Equity capital to assets | 30.3539% | 84 |
| Core capital (leverage) ratio | 32.6016% | 72 |
| Tier 1 risk-based capital ratio | 41.6427% | 221 |
| Total risk-based capital ratio | 42.8957% | 218 |
| Memoranda: | ||
| Average total assets | $56,404,750 | 6,407 |
| Average earning assets | $53,618,250 | 6,293 |
| Average equity | $20,699,500 | 3,086 |
| Average total loans | $44,040,750 | 5,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7519% | 1,548 |
| Cost of funding earning assets | 1.0775% | 5,796 |
| Net interest margin | 4.6744% | 855 |
| Noninterest income to average assets | 0.0498% | 7,333 |
| Noninterest expense to average assets | 3.8560% | 1,255 |
| Loan and lease loss provision to assets | 0.6325% | 2,265 |
| Net operating income to assets | -0.0192% | 6,107 |
| Return on assets (ROA) | -0.0192% | 6,201 |
| Pretax return on assets | -0.0153% | 6,167 |
| Return on Equity (ROE) | -0.0485% | 6,195 |
| Retained earnings to average equity (ytd only) | -0.0485% | 5,744 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2039% | 1,687 |
| Assets per employee ($millions) | 4.5175% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,302 |
| Loan loss allowance to noncurrent loans | 87.1049% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 4,466 |
| Noncurrent loans to loans | 1.6383% | 4,252 |
| Net loans and leases to total assets | 81.0397% | 666 |
| Net loans and leases to deposits | 149.5789% | 39 |
| Net loans and leases to core deposits | 176.5384% | 121 |
| Total domestic deposits to total assets | 54.1786% | 7,717 |
| Equity capital to assets | 35.1928% | 64 |
| Core capital (leverage) ratio | 37.8009% | 58 |
| Tier 1 risk-based capital ratio | 42.9483% | 205 |
| Total risk-based capital ratio | 44.2013% | 200 |
| Memoranda: | ||
| Average total assets | $52,178,000 | 6,577 |
| Average earning assets | $49,375,330 | 6,495 |
| Average equity | $20,609,330 | 3,093 |
| Average total loans | $41,387,330 | 5,988 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 1,768 |
| Cost of funding earning assets | 1.0551% | 6,115 |
| Net interest margin | 4.6476% | 873 |
| Noninterest income to average assets | 0.0491% | 7,467 |
| Noninterest expense to average assets | 4.1633% | 846 |
| Loan and lease loss provision to assets | 0.4499% | 2,718 |
| Net operating income to assets | -0.2045% | 6,547 |
| Return on assets (ROA) | -0.2045% | 6,617 |
| Pretax return on assets | -0.2045% | 6,561 |
| Return on Equity (ROE) | -0.4859% | 6,467 |
| Retained earnings to average equity (ytd only) | -0.4859% | 5,945 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4341% | 1,114 |
| Assets per employee ($millions) | 4.0293% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 4,161 |
| Loan loss allowance to noncurrent loans | 72.9219% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.5158% | 4,224 |
| Noncurrent loans to loans | 1.9928% | 3,797 |
| Net loans and leases to total assets | 74.9585% | 1,748 |
| Net loans and leases to deposits | 147.6979% | 46 |
| Net loans and leases to core deposits | 167.1733% | 166 |
| Total domestic deposits to total assets | 50.7512% | 7,835 |
| Equity capital to assets | 39.3158% | 56 |
| Core capital (leverage) ratio | 41.2813% | 52 |
| Tier 1 risk-based capital ratio | 52.4888% | 140 |
| Total risk-based capital ratio | 53.6434% | 137 |
| Memoranda: | ||
| Average total assets | $48,903,000 | 6,768 |
| Average earning assets | $45,873,000 | 6,715 |
| Average equity | $20,580,000 | 3,121 |
| Average total loans | $37,940,000 | 6,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8675% | 2,382 |
| Cost of funding earning assets | 0.7163% | 7,666 |
| Net interest margin | 5.1512% | 322 |
| Noninterest income to average assets | 0.1651% | 6,892 |
| Noninterest expense to average assets | 5.5871% | 373 |
| Loan and lease loss provision to assets | 0.7679% | 2,806 |
| Net operating income to assets | -1.3238% | 6,775 |
| Return on assets (ROA) | -1.3238% | 6,780 |
| Pretax return on assets | -1.3211% | 6,604 |
| Return on Equity (ROE) | -2.3266% | 5,900 |
| Retained earnings to average equity (ytd only) | -2.3266% | 5,581 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.9896% | 780 |
| Assets per employee ($millions) | 3.2446% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 3,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.1794% | 1,339 |
| Net loans and leases to deposits | 180.5899% | 31 |
| Net loans and leases to core deposits | 328.0041% | 28 |
| Total domestic deposits to total assets | 43.2911% | 7,928 |
| Equity capital to assets | 45.2746% | 57 |
| Core capital (leverage) ratio | 53.1985% | 46 |
| Tier 1 risk-based capital ratio | 59.6410% | 117 |
| Total risk-based capital ratio | 60.8938% | 115 |
| Memoranda: | ||
| Average total assets | $36,333,800 | 7,230 |
| Average earning assets | $34,341,600 | 7,172 |
| Average equity | $20,674,000 | 3,112 |
| Average total loans | $25,556,400 | 6,879 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0855% | 1,701 |
| Cost of funding earning assets | 0.7326% | 7,778 |
| Net interest margin | 5.3529% | 231 |
| Noninterest income to average assets | 0.1683% | 7,008 |
| Noninterest expense to average assets | 5.8638% | 322 |
| Loan and lease loss provision to assets | 0.3523% | 4,208 |
| Net operating income to assets | -1.0178% | 6,850 |
| Return on assets (ROA) | -1.0178% | 6,859 |
| Pretax return on assets | -1.0139% | 6,699 |
| Return on Equity (ROE) | -1.6746% | 6,049 |
| Retained earnings to average equity (ytd only) | -1.6746% | 5,652 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7163% | 717 |
| Assets per employee ($millions) | 2.5535% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 70.8411% | 3,308 |
| Net loans and leases to deposits | 170.3437% | 40 |
| Net loans and leases to core deposits | 282.8345% | 41 |
| Total domestic deposits to total assets | 41.5872% | 8,012 |
| Equity capital to assets | 57.9093% | 45 |
| Core capital (leverage) ratio | 58.3014% | 44 |
| Tier 1 risk-based capital ratio | 68.7402% | 97 |
| Total risk-based capital ratio | 69.8462% | 97 |
| Memoranda: | ||
| Average total assets | $34,061,000 | 7,382 |
| Average earning assets | $32,031,500 | 7,324 |
| Average equity | $20,701,000 | 3,139 |
| Average total loans | $22,936,250 | 7,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7050% | 3,512 |
| Cost of funding earning assets | 0.7092% | 7,914 |
| Net interest margin | 4.9958% | 431 |
| Noninterest income to average assets | 0.0657% | 7,657 |
| Noninterest expense to average assets | 5.8092% | 340 |
| Loan and lease loss provision to assets | 0.4179% | 3,446 |
| Net operating income to assets | -1.4150% | 7,205 |
| Return on assets (ROA) | -1.4150% | 7,213 |
| Pretax return on assets | -1.4090% | 7,040 |
| Return on Equity (ROE) | -2.2898% | 6,263 |
| Retained earnings to average equity (ytd only) | -2.2898% | 5,807 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5700% | 655 |
| Assets per employee ($millions) | 3.8766% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 4,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.5896% | 3,553 |
| Net loans and leases to deposits | 174.8775% | 43 |
| Net loans and leases to core deposits | 257.6959% | 55 |
| Total domestic deposits to total assets | 40.3652% | 8,095 |
| Equity capital to assets | 59.1820% | 49 |
| Core capital (leverage) ratio | 61.5435% | 47 |
| Tier 1 risk-based capital ratio | 72.5642% | 96 |
| Total risk-based capital ratio | 73.7038% | 95 |
| Memoranda: | ||
| Average total assets | $33,498,330 | 7,469 |
| Average earning assets | $31,867,000 | 7,406 |
| Average equity | $20,700,670 | 3,146 |
| Average total loans | $22,028,330 | 7,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 6,054 |
| Cost of funding earning assets | 0.6876% | 8,000 |
| Net interest margin | 4.5758% | 979 |
| Noninterest income to average assets | 0.1097% | 7,485 |
| Noninterest expense to average assets | 5.8775% | 304 |
| Loan and lease loss provision to assets | 0.4268% | 2,788 |
| Net operating income to assets | -1.7315% | 7,580 |
| Return on assets (ROA) | -1.7315% | 7,583 |
| Pretax return on assets | -1.7315% | 7,448 |
| Return on Equity (ROE) | -2.7404% | 6,747 |
| Retained earnings to average equity (ytd only) | -2.7404% | 6,229 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5333% | 516 |
| Assets per employee ($millions) | 4.0676% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.3686% | 4,493 |
| Net loans and leases to deposits | 184.2433% | 40 |
| Net loans and leases to core deposits | 258.6467% | 56 |
| Total domestic deposits to total assets | 36.0222% | 8,157 |
| Equity capital to assets | 63.5629% | 48 |
| Core capital (leverage) ratio | 63.8301% | 52 |
| Tier 1 risk-based capital ratio | 84.6712% | 79 |
| Total risk-based capital ratio | 85.8362% | 79 |
| Memoranda: | ||
| Average total assets | $32,803,000 | 7,537 |
| Average earning assets | $31,994,500 | 7,442 |
| Average equity | $20,727,000 | 3,146 |
| Average total loans | $20,571,000 | 7,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 7,718 |
| Cost of funding earning assets | 0.5137% | 8,190 |
| Net interest margin | 4.6408% | 1,074 |
| Noninterest income to average assets | 0.0726% | 7,780 |
| Noninterest expense to average assets | 6.0284% | 399 |
| Loan and lease loss provision to assets | 0.6273% | 2,322 |
| Net operating income to assets | -2.0832% | 7,621 |
| Return on assets (ROA) | -2.0832% | 7,584 |
| Pretax return on assets | -2.0799% | 7,463 |
| Return on Equity (ROE) | -3.0201% | 6,627 |
| Retained earnings to average equity (ytd only) | -3.0201% | 6,116 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7460% | 451 |
| Assets per employee ($millions) | 4.1331% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 3,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.5231% | 6,270 |
| Net loans and leases to deposits | 157.1901% | 72 |
| Net loans and leases to core deposits | 206.0225% | 152 |
| Total domestic deposits to total assets | 36.5946% | 8,204 |
| Equity capital to assets | 62.8157% | 51 |
| Core capital (leverage) ratio | 64.3290% | 53 |
| Tier 1 risk-based capital ratio | 96.4455% | 83 |
| Total risk-based capital ratio | 97.6009% | 83 |
| Memoranda: | ||
| Average total assets | $30,290,000 | 7,634 |
| Average earning assets | $29,391,800 | 7,546 |
| Average equity | $20,893,200 | 3,105 |
| Average total loans | $12,348,800 | 7,811 |