Home > ENCORE BANK > Performance and Condition Ratios
ENCORE BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 1,632 |
| Cost of funding earning assets | 3.7364% | 51 |
| Net interest margin | 1.4819% | 4,507 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.9039% | 3,827 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | -0.2604% | 4,476 |
| Return on assets (ROA) | -0.1937% | 4,447 |
| Pretax return on assets | -0.2141% | 4,431 |
| Return on Equity (ROE) | -2.7900% | 4,439 |
| Retained earnings to average equity (ytd only) | -2.7904% | 4,317 |
| Net charge-offs to loans | 0.0054% | 2,509 |
| Credit loss provision to net charge-offs | 3,241.8750% | 155 |
| Earnings coverage of net charge-offs (x) | -37.8500% | 4,579 |
| Efficiency ratio | 108.8458% | 117 |
| Assets per employee ($millions) | 12.0698% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 1,668 |
| Loan loss allowance to noncurrent loans | 3,510.7518% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,383 |
| Noncurrent loans to loans | 0.0377% | 3,459 |
| Net loans and leases to total assets | 81.0500% | 525 |
| Net loans and leases to deposits | 113.5102% | 140 |
| Net loans and leases to core deposits | 153.6723% | 187 |
| Total domestic deposits to total assets | 71.4000% | 4,249 |
| Equity capital to assets | 6.8502% | 3,994 |
| Core capital (leverage) ratio | 7.8378% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2161% | 2,886 |
| Memoranda: | ||
| Average total assets | $3,913,974,800 | 322 |
| Average earning assets | $3,690,014,600 | 310 |
| Average equity | $271,754,000 | 428 |
| Average total loans | $2,940,202,600 | 306 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 1,734 |
| Cost of funding earning assets | 3.5285% | 58 |
| Net interest margin | 1.5209% | 4,522 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.7896% | 4,001 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | -0.1134% | 4,480 |
| Return on assets (ROA) | 0.0626% | 4,363 |
| Pretax return on assets | 0.0353% | 4,366 |
| Return on Equity (ROE) | 0.9000% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.8980% | 3,971 |
| Net charge-offs to loans | 0.0072% | 2,171 |
| Credit loss provision to net charge-offs | 2,114.9351% | 229 |
| Earnings coverage of net charge-offs (x) | -5.5260% | 4,585 |
| Efficiency ratio | 101.6553% | 159 |
| Assets per employee ($millions) | 12.8442% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 1,747 |
| Loan loss allowance to noncurrent loans | 6,464.7975% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,620 |
| Noncurrent loans to loans | 0.0206% | 3,615 |
| Net loans and leases to total assets | 73.6100% | 1,386 |
| Net loans and leases to deposits | 99.1471% | 556 |
| Net loans and leases to core deposits | 143.4594% | 186 |
| Total domestic deposits to total assets | 74.2500% | 4,140 |
| Equity capital to assets | 5.9515% | 4,006 |
| Core capital (leverage) ratio | 8.0330% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,893,688,750 | 325 |
| Average earning assets | $3,674,329,500 | 314 |
| Average equity | $271,274,500 | 428 |
| Average total loans | $2,854,930,500 | 314 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 1,727 |
| Cost of funding earning assets | 3.2847% | 50 |
| Net interest margin | 1.6315% | 4,565 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.9572% | 3,697 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | -0.1059% | 4,516 |
| Return on assets (ROA) | 0.1637% | 4,347 |
| Pretax return on assets | 0.1021% | 4,395 |
| Return on Equity (ROE) | 2.2300% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.2302% | 3,665 |
| Net charge-offs to loans | 0.0106% | 1,805 |
| Credit loss provision to net charge-offs | 2,215.6463% | 236 |
| Earnings coverage of net charge-offs (x) | -14.1633% | 4,639 |
| Efficiency ratio | 105.9377% | 119 |
| Assets per employee ($millions) | 12.0881% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,584 |
| Loan loss allowance to noncurrent loans | 5,663.1651% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,562 |
| Noncurrent loans to loans | 0.0244% | 3,584 |
| Net loans and leases to total assets | 73.4600% | 1,354 |
| Net loans and leases to deposits | 109.2837% | 218 |
| Net loans and leases to core deposits | 158.0966% | 108 |
| Total domestic deposits to total assets | 67.2200% | 4,423 |
| Equity capital to assets | 6.8506% | 3,873 |
| Core capital (leverage) ratio | 8.3998% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,795,853,667 | 327 |
| Average earning assets | $3,581,862,667 | 308 |
| Average equity | $278,632,000 | 411 |
| Average total loans | $2,765,308,667 | 310 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 1,736 |
| Cost of funding earning assets | 2.9817% | 36 |
| Net interest margin | 1.7688% | 4,609 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.1512% | 3,251 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | -0.2524% | 4,563 |
| Return on assets (ROA) | 0.2251% | 4,293 |
| Pretax return on assets | 0.1503% | 4,380 |
| Return on Equity (ROE) | 2.9600% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.9593% | 3,516 |
| Net charge-offs to loans | -0.0005% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 107.6099% | 113 |
| Assets per employee ($millions) | 12.1722% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,330 |
| Loan loss allowance to noncurrent loans | 55,772.6027% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,799 |
| Noncurrent loans to loans | 0.0027% | 3,841 |
| Net loans and leases to total assets | 70.9700% | 1,527 |
| Net loans and leases to deposits | 95.8551% | 661 |
| Net loans and leases to core deposits | 147.5532% | 135 |
| Total domestic deposits to total assets | 74.0400% | 4,284 |
| Equity capital to assets | 7.3708% | 3,634 |
| Core capital (leverage) ratio | 9.0735% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,681,106,500 | 346 |
| Average earning assets | $3,476,836,500 | 330 |
| Average equity | $280,067,000 | 415 |
| Average total loans | $2,648,699,500 | 325 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 1,438 |
| Cost of funding earning assets | 1.2413% | 61 |
| Net interest margin | 2.8746% | 3,741 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.6228% | 1,763 |
| Loan and lease loss provision to assets | 0.6700% | 78 |
| Net operating income to assets | -0.1016% | 4,592 |
| Return on assets (ROA) | -0.0813% | 4,577 |
| Pretax return on assets | -0.1826% | 4,587 |
| Return on Equity (ROE) | -0.9500% | 4,572 |
| Retained earnings to average equity (ytd only) | -0.9535% | 4,448 |
| Net charge-offs to loans | 0.0088% | 2,062 |
| Credit loss provision to net charge-offs | 9,813.1737% | 72 |
| Earnings coverage of net charge-offs (x) | 67.6467% | 1,178 |
| Efficiency ratio | 85.0170% | 449 |
| Assets per employee ($millions) | 11.7006% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,388 |
| Loan loss allowance to noncurrent loans | 41,371.6216% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,724 |
| Noncurrent loans to loans | 0.0029% | 3,863 |
| Net loans and leases to total assets | 71.1400% | 1,509 |
| Net loans and leases to deposits | 94.9752% | 713 |
| Net loans and leases to core deposits | 138.8492% | 151 |
| Total domestic deposits to total assets | 74.9000% | 4,321 |
| Equity capital to assets | 7.9008% | 3,117 |
| Core capital (leverage) ratio | 10.5746% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,444,016,800 | 459 |
| Average earning assets | $2,318,910,200 | 442 |
| Average equity | $208,289,800 | 506 |
| Average total loans | $1,892,135,800 | 397 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 1,248 |
| Cost of funding earning assets | 0.9173% | 96 |
| Net interest margin | 3.0935% | 2,956 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7309% | 1,399 |
| Loan and lease loss provision to assets | 0.8300% | 54 |
| Net operating income to assets | -0.1085% | 4,626 |
| Return on assets (ROA) | -0.0780% | 4,598 |
| Pretax return on assets | -0.1694% | 4,611 |
| Return on Equity (ROE) | -0.8900% | 4,586 |
| Retained earnings to average equity (ytd only) | -0.8882% | 4,417 |
| Net charge-offs to loans | -0.0039% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.5061% | 680 |
| Assets per employee ($millions) | 9.1346% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,536 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,812 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.2900% | 363 |
| Net loans and leases to deposits | 102.3143% | 293 |
| Net loans and leases to core deposits | 133.1822% | 132 |
| Total domestic deposits to total assets | 80.4300% | 4,060 |
| Equity capital to assets | 8.6408% | 2,447 |
| Core capital (leverage) ratio | 11.0690% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,168,697,250 | 510 |
| Average earning assets | $2,059,090,500 | 498 |
| Average equity | $190,335,750 | 553 |
| Average total loans | $1,727,009,750 | 420 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 1,557 |
| Cost of funding earning assets | 0.6545% | 206 |
| Net interest margin | 3.0376% | 2,772 |
| Noninterest income to average assets | 0.4628% | 2,383 |
| Noninterest expense to average assets | 2.7924% | 1,191 |
| Loan and lease loss provision to assets | 0.9503% | 44 |
| Net operating income to assets | -0.2509% | 4,645 |
| Return on assets (ROA) | -0.2127% | 4,614 |
| Pretax return on assets | -0.3524% | 4,630 |
| Return on Equity (ROE) | -2.4055% | 4,626 |
| Retained earnings to average equity (ytd only) | -2.4055% | 4,411 |
| Net charge-offs to loans | -0.0062% | 3,411 |
| Credit loss provision to net charge-offs | -19,812.7660% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5567% | 709 |
| Assets per employee ($millions) | 8.4121% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,833 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.5238% | 367 |
| Net loans and leases to deposits | 101.1308% | 240 |
| Net loans and leases to core deposits | 131.8085% | 115 |
| Total domestic deposits to total assets | 79.6234% | 4,256 |
| Equity capital to assets | 7.1206% | 3,706 |
| Core capital (leverage) ratio | 10.0679% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,959,866,667 | 555 |
| Average earning assets | $1,857,635,333 | 545 |
| Average equity | $173,271,667 | 610 |
| Average total loans | $1,526,682,667 | 458 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 1,624 |
| Cost of funding earning assets | 0.6182% | 232 |
| Net interest margin | 2.9420% | 2,702 |
| Noninterest income to average assets | 0.5711% | 1,818 |
| Noninterest expense to average assets | 2.8947% | 970 |
| Loan and lease loss provision to assets | 0.5888% | 76 |
| Net operating income to assets | -0.0512% | 4,571 |
| Return on assets (ROA) | -0.0501% | 4,553 |
| Pretax return on assets | -0.1255% | 4,589 |
| Return on Equity (ROE) | -0.4984% | 4,557 |
| Retained earnings to average equity (ytd only) | -0.4984% | 4,079 |
| Net charge-offs to loans | -0.0148% | 3,756 |
| Credit loss provision to net charge-offs | -5,287.5000% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2395% | 726 |
| Assets per employee ($millions) | 7.3803% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,879 |
| Loan loss allowance to noncurrent loans | 16,171.4286% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,742 |
| Noncurrent loans to loans | 0.0074% | 3,971 |
| Net loans and leases to total assets | 77.2326% | 435 |
| Net loans and leases to deposits | 91.9471% | 430 |
| Net loans and leases to core deposits | 107.2044% | 324 |
| Total domestic deposits to total assets | 83.9968% | 3,770 |
| Equity capital to assets | 9.5511% | 2,244 |
| Core capital (leverage) ratio | 11.2293% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,724,254,500 | 626 |
| Average earning assets | $1,632,495,500 | 614 |
| Average equity | $173,353,500 | 624 |
| Average total loans | $1,299,344,500 | 524 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 2,370 |
| Cost of funding earning assets | 0.8084% | 199 |
| Net interest margin | 2.7996% | 3,667 |
| Noninterest income to average assets | 0.8987% | 1,202 |
| Noninterest expense to average assets | 3.2488% | 675 |
| Loan and lease loss provision to assets | 0.4442% | 138 |
| Net operating income to assets | -0.0928% | 4,704 |
| Return on assets (ROA) | 0.0596% | 4,663 |
| Pretax return on assets | 0.0092% | 4,683 |
| Return on Equity (ROE) | 0.5801% | 4,647 |
| Retained earnings to average equity (ytd only) | 0.5801% | 4,353 |
| Net charge-offs to loans | 0.0015% | 2,602 |
| Credit loss provision to net charge-offs | 39,669.2308% | 16 |
| Earnings coverage of net charge-offs (x) | 268.8462% | 438 |
| Efficiency ratio | 91.5195% | 277 |
| Assets per employee ($millions) | 7.3180% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,787 |
| Loan loss allowance to noncurrent loans | 13,708.5714% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,734 |
| Noncurrent loans to loans | 0.0089% | 4,038 |
| Net loans and leases to total assets | 71.3954% | 892 |
| Net loans and leases to deposits | 86.9837% | 719 |
| Net loans and leases to core deposits | 101.7206% | 461 |
| Total domestic deposits to total assets | 82.0791% | 3,954 |
| Equity capital to assets | 10.6261% | 2,066 |
| Core capital (leverage) ratio | 11.8295% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,160,951,600 | 857 |
| Average earning assets | $1,099,379,000 | 837 |
| Average equity | $119,283,200 | 869 |
| Average total loans | $843,906,600 | 764 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 2,465 |
| Cost of funding earning assets | 0.8680% | 183 |
| Net interest margin | 2.7659% | 3,851 |
| Noninterest income to average assets | 0.9049% | 1,244 |
| Noninterest expense to average assets | 3.1871% | 728 |
| Loan and lease loss provision to assets | 0.3550% | 199 |
| Net operating income to assets | -0.0214% | 4,750 |
| Return on assets (ROA) | 0.1665% | 4,670 |
| Pretax return on assets | 0.1820% | 4,677 |
| Return on Equity (ROE) | 1.6428% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.6428% | 4,286 |
| Net charge-offs to loans | 0.0047% | 2,161 |
| Credit loss provision to net charge-offs | 10,285.1852% | 73 |
| Earnings coverage of net charge-offs (x) | 96.4074% | 888 |
| Efficiency ratio | 90.5483% | 303 |
| Assets per employee ($millions) | 6.7626% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 3,017 |
| Loan loss allowance to noncurrent loans | 1,581.0277% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 3,437 |
| Noncurrent loans to loans | 0.0755% | 3,716 |
| Net loans and leases to total assets | 76.4731% | 510 |
| Net loans and leases to deposits | 97.2764% | 298 |
| Net loans and leases to core deposits | 121.6852% | 173 |
| Total domestic deposits to total assets | 78.6142% | 4,366 |
| Equity capital to assets | 10.7874% | 2,176 |
| Core capital (leverage) ratio | 11.5764% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,043,211,000 | 942 |
| Average earning assets | $986,262,500 | 926 |
| Average equity | $105,751,750 | 982 |
| Average total loans | $760,006,750 | 840 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 2,670 |
| Cost of funding earning assets | 0.9226% | 169 |
| Net interest margin | 2.6618% | 4,054 |
| Noninterest income to average assets | 1.0326% | 1,021 |
| Noninterest expense to average assets | 3.2054% | 712 |
| Loan and lease loss provision to assets | 0.2426% | 409 |
| Net operating income to assets | 0.0756% | 4,732 |
| Return on assets (ROA) | 0.2227% | 4,625 |
| Pretax return on assets | 0.2565% | 4,629 |
| Return on Equity (ROE) | 2.2627% | 4,570 |
| Retained earnings to average equity (ytd only) | 2.2627% | 4,055 |
| Net charge-offs to loans | 0.0109% | 1,748 |
| Credit loss provision to net charge-offs | 3,140.5405% | 201 |
| Earnings coverage of net charge-offs (x) | 42.7297% | 1,129 |
| Efficiency ratio | 90.6654% | 322 |
| Assets per employee ($millions) | 6.6458% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,940 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.3731% | 821 |
| Net loans and leases to deposits | 92.5374% | 517 |
| Net loans and leases to core deposits | 120.3014% | 215 |
| Total domestic deposits to total assets | 79.2902% | 4,313 |
| Equity capital to assets | 10.4302% | 2,459 |
| Core capital (leverage) ratio | 11.7038% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $958,140,667 | 997 |
| Average earning assets | $900,909,667 | 994 |
| Average equity | $94,313,667 | 1,064 |
| Average total loans | $678,361,333 | 927 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 2,819 |
| Cost of funding earning assets | 1.0157% | 124 |
| Net interest margin | 2.5185% | 4,270 |
| Noninterest income to average assets | 1.2174% | 833 |
| Noninterest expense to average assets | 3.3089% | 598 |
| Loan and lease loss provision to assets | 0.1123% | 1,233 |
| Net operating income to assets | 0.1160% | 4,702 |
| Return on assets (ROA) | 0.3710% | 4,442 |
| Pretax return on assets | 0.4540% | 4,412 |
| Return on Equity (ROE) | 3.9200% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.9200% | 3,528 |
| Net charge-offs to loans | -0.0007% | 3,022 |
| Credit loss provision to net charge-offs | -24,500.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8342% | 306 |
| Assets per employee ($millions) | 6.3950% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,960 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.3894% | 1,238 |
| Net loans and leases to deposits | 91.3150% | 628 |
| Net loans and leases to core deposits | 132.5854% | 129 |
| Total domestic deposits to total assets | 77.0841% | 4,509 |
| Equity capital to assets | 9.9216% | 2,776 |
| Core capital (leverage) ratio | 10.3493% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $872,315,500 | 1,070 |
| Average earning assets | $812,853,000 | 1,063 |
| Average equity | $82,550,500 | 1,181 |
| Average total loans | $597,873,000 | 1,037 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 2,974 |
| Cost of funding earning assets | 1.2282% | 251 |
| Net interest margin | 2.6923% | 4,389 |
| Noninterest income to average assets | 0.6718% | 1,947 |
| Noninterest expense to average assets | 2.6529% | 2,375 |
| Loan and lease loss provision to assets | 0.7734% | 168 |
| Net operating income to assets | -0.1537% | 4,806 |
| Return on assets (ROA) | 0.4384% | 4,249 |
| Pretax return on assets | 0.5267% | 4,222 |
| Return on Equity (ROE) | 4.3538% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.3538% | 2,619 |
| Net charge-offs to loans | 0.0300% | 2,427 |
| Credit loss provision to net charge-offs | 3,672.2689% | 284 |
| Earnings coverage of net charge-offs (x) | 27.8571% | 1,668 |
| Efficiency ratio | 81.8902% | 754 |
| Assets per employee ($millions) | 7.3826% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,024 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 64.4674% | 2,303 |
| Net loans and leases to deposits | 83.3088% | 1,511 |
| Net loans and leases to core deposits | 133.1219% | 175 |
| Total domestic deposits to total assets | 77.3836% | 4,376 |
| Equity capital to assets | 8.8441% | 4,183 |
| Core capital (leverage) ratio | 10.1723% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $565,039,200 | 1,409 |
| Average earning assets | $538,916,200 | 1,376 |
| Average equity | $56,892,400 | 1,503 |
| Average total loans | $396,007,400 | 1,370 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 2,526 |
| Cost of funding earning assets | 1.3216% | 223 |
| Net interest margin | 2.8268% | 4,296 |
| Noninterest income to average assets | 0.5215% | 2,519 |
| Noninterest expense to average assets | 2.3562% | 3,268 |
| Loan and lease loss provision to assets | 0.3689% | 1,006 |
| Net operating income to assets | 0.4108% | 4,245 |
| Return on assets (ROA) | 0.8446% | 3,055 |
| Pretax return on assets | 1.0648% | 2,868 |
| Return on Equity (ROE) | 7.9815% | 2,816 |
| Retained earnings to average equity (ytd only) | 7.9815% | 1,308 |
| Net charge-offs to loans | 0.0454% | 1,974 |
| Credit loss provision to net charge-offs | 1,128.6885% | 770 |
| Earnings coverage of net charge-offs (x) | 27.0656% | 1,679 |
| Efficiency ratio | 72.7062% | 1,554 |
| Assets per employee ($millions) | 7.7433% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 1,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,042 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.4785% | 2,826 |
| Net loans and leases to deposits | 89.7020% | 1,298 |
| Net loans and leases to core deposits | 185.1345% | 49 |
| Total domestic deposits to total assets | 70.7660% | 4,731 |
| Equity capital to assets | 8.0597% | 4,690 |
| Core capital (leverage) ratio | 8.3206% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3319% | 3,061 |
| Memoranda: | ||
| Average total assets | $497,741,500 | 1,532 |
| Average earning assets | $478,794,000 | 1,486 |
| Average equity | $52,670,500 | 1,601 |
| Average total loans | $358,245,250 | 1,481 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 2,225 |
| Cost of funding earning assets | 1.4270% | 206 |
| Net interest margin | 2.9671% | 4,196 |
| Noninterest income to average assets | 0.2781% | 3,808 |
| Noninterest expense to average assets | 2.2799% | 3,575 |
| Loan and lease loss provision to assets | 0.1260% | 2,769 |
| Net operating income to assets | 0.5784% | 3,807 |
| Return on assets (ROA) | 0.5608% | 3,935 |
| Pretax return on assets | 0.6996% | 3,872 |
| Return on Equity (ROE) | 4.7149% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.7149% | 2,600 |
| Net charge-offs to loans | 0.0139% | 2,476 |
| Credit loss provision to net charge-offs | 1,195.6522% | 704 |
| Earnings coverage of net charge-offs (x) | 80.4348% | 803 |
| Efficiency ratio | 72.8977% | 1,580 |
| Assets per employee ($millions) | 9.5881% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,804 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 3,986 |
| Noncurrent loans to loans | 0.0258% | 4,378 |
| Net loans and leases to total assets | 65.9151% | 2,640 |
| Net loans and leases to deposits | 93.5367% | 1,001 |
| Net loans and leases to core deposits | 200.5676% | 43 |
| Total domestic deposits to total assets | 70.4698% | 4,771 |
| Equity capital to assets | 9.2803% | 3,851 |
| Core capital (leverage) ratio | 9.7419% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,518,000 | 1,697 |
| Average earning assets | $419,197,000 | 1,650 |
| Average equity | $51,920,667 | 1,611 |
| Average total loans | $331,391,667 | 1,550 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 2,267 |
| Cost of funding earning assets | 1.5680% | 212 |
| Net interest margin | 2.9482% | 4,357 |
| Noninterest income to average assets | 0.0618% | 4,942 |
| Noninterest expense to average assets | 2.4110% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3654% | 4,206 |
| Return on assets (ROA) | 0.3654% | 4,245 |
| Pretax return on assets | 0.4758% | 4,156 |
| Return on Equity (ROE) | 2.6093% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.6093% | 3,217 |
| Net charge-offs to loans | -0.0040% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5182% | 861 |
| Assets per employee ($millions) | 8.8688% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,375 |
| Loan loss allowance to noncurrent loans | 3,732.8358% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 3,846 |
| Noncurrent loans to loans | 0.0399% | 4,398 |
| Net loans and leases to total assets | 80.9918% | 563 |
| Net loans and leases to deposits | 114.3160% | 129 |
| Net loans and leases to core deposits | 221.5288% | 31 |
| Total domestic deposits to total assets | 70.8490% | 4,821 |
| Equity capital to assets | 12.5062% | 1,725 |
| Core capital (leverage) ratio | 14.0399% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,339,500 | 1,912 |
| Average earning assets | $347,198,000 | 1,862 |
| Average equity | $50,742,000 | 1,644 |
| Average total loans | $301,701,000 | 1,639 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 3,568 |
| Cost of funding earning assets | 1.8383% | 122 |
| Net interest margin | 2.4485% | 4,990 |
| Noninterest income to average assets | 0.0225% | 5,092 |
| Noninterest expense to average assets | 3.1358% | 1,676 |
| Loan and lease loss provision to assets | 1.8703% | 48 |
| Net operating income to assets | -2.1586% | 5,133 |
| Return on assets (ROA) | -2.3382% | 5,138 |
| Pretax return on assets | -2.9159% | 5,143 |
| Return on Equity (ROE) | -15.7226% | 5,146 |
| Retained earnings to average equity (ytd only) | -15.9696% | 5,121 |
| Net charge-offs to loans | 0.0802% | 1,960 |
| Credit loss provision to net charge-offs | 3,572.8070% | 121 |
| Earnings coverage of net charge-offs (x) | -15.6842% | 3,696 |
| Efficiency ratio | 135.4692% | 58 |
| Assets per employee ($millions) | 6.9238% | 1,073 |
| Cash dividends to net income (ytd only)* | -1.5711% | 5,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 593 |
| Loan loss allowance to noncurrent loans | 3,571.4286% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,513 |
| Noncurrent loans to loans | 0.0522% | 4,338 |
| Net loans and leases to total assets | 82.5702% | 480 |
| Net loans and leases to deposits | 117.5444% | 95 |
| Net loans and leases to core deposits | 221.6593% | 37 |
| Total domestic deposits to total assets | 70.2459% | 4,921 |
| Equity capital to assets | 16.3507% | 546 |
| Core capital (leverage) ratio | 17.4046% | 378 |
| Tier 1 risk-based capital ratio | 17.8246% | 1,807 |
| Total risk-based capital ratio | 19.0814% | 1,755 |
| Memoranda: | ||
| Average total assets | $217,774,400 | 2,680 |
| Average earning assets | $203,882,400 | 2,671 |
| Average equity | $32,386,600 | 2,280 |
| Average total loans | $142,201,600 | 2,699 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 4,042 |
| Cost of funding earning assets | 1.9302% | 83 |
| Net interest margin | 2.2190% | 5,142 |
| Noninterest income to average assets | 0.0173% | 5,176 |
| Noninterest expense to average assets | 3.0287% | 1,899 |
| Loan and lease loss provision to assets | 2.0180% | 44 |
| Net operating income to assets | -2.3827% | 5,215 |
| Return on assets (ROA) | -2.6148% | 5,222 |
| Pretax return on assets | -3.2558% | 5,225 |
| Return on Equity (ROE) | -18.3361% | 5,227 |
| Retained earnings to average equity (ytd only) | -18.7245% | 5,207 |
| Net charge-offs to loans | -0.0181% | 4,560 |
| Credit loss provision to net charge-offs | -19,433.3333% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.5422% | 46 |
| Assets per employee ($millions) | 7.0615% | 1,004 |
| Cash dividends to net income (ytd only)* | -2.1180% | 5,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 318 |
| Loan loss allowance to noncurrent loans | 2,595.4248% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 3,189 |
| Noncurrent loans to loans | 0.0859% | 4,260 |
| Net loans and leases to total assets | 70.4510% | 2,403 |
| Net loans and leases to deposits | 110.0040% | 225 |
| Net loans and leases to core deposits | 215.3710% | 39 |
| Total domestic deposits to total assets | 64.0440% | 5,123 |
| Equity capital to assets | 20.1313% | 251 |
| Core capital (leverage) ratio | 20.9749% | 203 |
| Tier 1 risk-based capital ratio | 26.1935% | 694 |
| Total risk-based capital ratio | 27.4547% | 683 |
| Memoranda: | ||
| Average total assets | $192,594,500 | 2,922 |
| Average earning assets | $179,117,750 | 2,918 |
| Average equity | $27,464,250 | 2,543 |
| Average total loans | $110,756,750 | 3,108 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 4,218 |
| Cost of funding earning assets | 1.9637% | 69 |
| Net interest margin | 2.1138% | 5,231 |
| Noninterest income to average assets | -0.0023% | 5,266 |
| Noninterest expense to average assets | 2.9528% | 2,128 |
| Loan and lease loss provision to assets | 0.6101% | 184 |
| Net operating income to assets | -1.3043% | 5,238 |
| Return on assets (ROA) | -1.6582% | 5,256 |
| Pretax return on assets | -2.0481% | 5,256 |
| Return on Equity (ROE) | -14.4355% | 5,260 |
| Retained earnings to average equity (ytd only) | -15.2341% | 5,220 |
| Net charge-offs to loans | -0.0249% | 4,622 |
| Credit loss provision to net charge-offs | -4,836.3636% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.2926% | 39 |
| Assets per employee ($millions) | 7.0340% | 985 |
| Cash dividends to net income (ytd only)* | -5.5325% | 5,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,485 |
| Loan loss allowance to noncurrent loans | 1,257.1429% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,876 |
| Noncurrent loans to loans | 0.1139% | 4,163 |
| Net loans and leases to total assets | 55.3643% | 4,116 |
| Net loans and leases to deposits | 89.5482% | 1,790 |
| Net loans and leases to core deposits | 154.6176% | 111 |
| Total domestic deposits to total assets | 61.8262% | 5,195 |
| Equity capital to assets | 15.6084% | 687 |
| Core capital (leverage) ratio | 16.4022% | 495 |
| Tier 1 risk-based capital ratio | 23.4689% | 899 |
| Total risk-based capital ratio | 24.7189% | 879 |
| Memoranda: | ||
| Average total assets | $174,408,670 | 3,116 |
| Average earning assets | $161,229,000 | 3,120 |
| Average equity | $20,034,000 | 3,146 |
| Average total loans | $88,311,670 | 3,495 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 4,267 |
| Cost of funding earning assets | 2.0036% | 55 |
| Net interest margin | 2.0437% | 5,306 |
| Noninterest income to average assets | -0.0858% | 5,337 |
| Noninterest expense to average assets | 2.2288% | 4,191 |
| Loan and lease loss provision to assets | 0.3188% | 391 |
| Net operating income to assets | -0.5544% | 5,258 |
| Return on assets (ROA) | -0.5738% | 5,255 |
| Pretax return on assets | -0.7846% | 5,266 |
| Return on Equity (ROE) | -6.3758% | 5,272 |
| Retained earnings to average equity (ytd only) | -8.5556% | 5,051 |
| Net charge-offs to loans | -0.0363% | 4,717 |
| Credit loss provision to net charge-offs | -1,857.1429% | 4,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6914% | 67 |
| Assets per employee ($millions) | 9.1627% | 444 |
| Cash dividends to net income (ytd only)* | -34.1880% | 5,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,341 |
| Loan loss allowance to noncurrent loans | 885.7143% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 2,038 |
| Noncurrent loans to loans | 0.1693% | 3,990 |
| Net loans and leases to total assets | 46.9205% | 4,623 |
| Net loans and leases to deposits | 68.7152% | 3,866 |
| Net loans and leases to core deposits | 133.4569% | 264 |
| Total domestic deposits to total assets | 68.2825% | 5,168 |
| Equity capital to assets | 9.6424% | 4,136 |
| Core capital (leverage) ratio | 9.7353% | 3,882 |
| Tier 1 risk-based capital ratio | 15.5875% | 2,610 |
| Total risk-based capital ratio | 16.7536% | 2,570 |
| Memoranda: | ||
| Average total assets | $163,137,000 | 3,261 |
| Average earning assets | $149,530,000 | 3,272 |
| Average equity | $14,680,500 | 3,726 |
| Average total loans | $77,155,000 | 3,749 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,302 |
| Cost of funding earning assets | 1.5731% | 64 |
| Net interest margin | 2.3132% | 5,281 |
| Noninterest income to average assets | 0.0820% | 5,201 |
| Noninterest expense to average assets | 1.6025% | 5,166 |
| Loan and lease loss provision to assets | 0.0194% | 3,777 |
| Net operating income to assets | 0.5278% | 4,601 |
| Return on assets (ROA) | 0.5051% | 4,655 |
| Pretax return on assets | 0.5607% | 4,703 |
| Return on Equity (ROE) | 6.0744% | 4,151 |
| Retained earnings to average equity (ytd only) | 2.1361% | 4,299 |
| Net charge-offs to loans | 0.0634% | 2,215 |
| Credit loss provision to net charge-offs | 69.7674% | 2,994 |
| Earnings coverage of net charge-offs (x) | 21.7907% | 1,932 |
| Efficiency ratio | 72.5863% | 1,832 |
| Assets per employee ($millions) | 17.9273% | 58 |
| Cash dividends to net income (ytd only)* | 64.8338% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,740 |
| Loan loss allowance to noncurrent loans | 298.2808% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 1,518 |
| Noncurrent loans to loans | 0.4607% | 2,889 |
| Net loans and leases to total assets | 46.3017% | 4,724 |
| Net loans and leases to deposits | 68.4673% | 3,943 |
| Net loans and leases to core deposits | 149.9007% | 134 |
| Total domestic deposits to total assets | 67.6261% | 5,217 |
| Equity capital to assets | 8.3411% | 5,021 |
| Core capital (leverage) ratio | 9.3298% | 4,325 |
| Tier 1 risk-based capital ratio | 15.1470% | 2,756 |
| Total risk-based capital ratio | 16.2073% | 2,775 |
| Memoranda: | ||
| Average total assets | $154,817,800 | 3,334 |
| Average earning assets | $142,271,000 | 3,337 |
| Average equity | $12,873,800 | 3,902 |
| Average total loans | $67,812,400 | 3,922 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,461 |
| Cost of funding earning assets | 1.4641% | 76 |
| Net interest margin | 2.3251% | 5,345 |
| Noninterest income to average assets | 0.0888% | 5,248 |
| Noninterest expense to average assets | 1.6259% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5340% | 4,689 |
| Return on assets (ROA) | 0.5022% | 4,765 |
| Pretax return on assets | 0.5614% | 4,797 |
| Return on Equity (ROE) | 6.0444% | 4,253 |
| Retained earnings to average equity (ytd only) | 1.5714% | 4,702 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1402% | 1,713 |
| Assets per employee ($millions) | 15.8793% | 87 |
| Cash dividends to net income (ytd only)* | 74.0040% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 1,608 |
| Loan loss allowance to noncurrent loans | 130.7692% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 1,251 |
| Noncurrent loans to loans | 1.0891% | 1,561 |
| Net loans and leases to total assets | 45.9397% | 4,806 |
| Net loans and leases to deposits | 65.9498% | 4,202 |
| Net loans and leases to core deposits | 149.4367% | 136 |
| Total domestic deposits to total assets | 69.6586% | 5,231 |
| Equity capital to assets | 7.8776% | 5,215 |
| Core capital (leverage) ratio | 9.4535% | 4,231 |
| Tier 1 risk-based capital ratio | 14.6588% | 3,038 |
| Total risk-based capital ratio | 15.7045% | 3,068 |
| Memoranda: | ||
| Average total assets | $153,185,750 | 3,379 |
| Average earning assets | $140,606,500 | 3,388 |
| Average equity | $12,727,750 | 3,950 |
| Average total loans | $65,828,750 | 4,001 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 4,442 |
| Cost of funding earning assets | 1.3683% | 83 |
| Net interest margin | 2.3937% | 5,385 |
| Noninterest income to average assets | 0.0991% | 5,274 |
| Noninterest expense to average assets | 1.7143% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5202% | 4,703 |
| Return on assets (ROA) | 0.5155% | 4,718 |
| Pretax return on assets | 0.5763% | 4,772 |
| Return on Equity (ROE) | 6.0934% | 4,194 |
| Retained earnings to average equity (ytd only) | 0.5468% | 4,852 |
| Net charge-offs to loans | -0.0570% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6690% | 1,614 |
| Assets per employee ($millions) | 15.3179% | 92 |
| Cash dividends to net income (ytd only)* | 91.0256% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,004 |
| Loan loss allowance to noncurrent loans | 147.6584% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 1,232 |
| Noncurrent loans to loans | 1.1125% | 1,582 |
| Net loans and leases to total assets | 41.9033% | 4,989 |
| Net loans and leases to deposits | 58.2739% | 4,628 |
| Net loans and leases to core deposits | 125.8445% | 413 |
| Total domestic deposits to total assets | 71.9074% | 5,194 |
| Equity capital to assets | 8.1206% | 5,183 |
| Core capital (leverage) ratio | 9.2370% | 4,431 |
| Tier 1 risk-based capital ratio | 14.7754% | 2,975 |
| Total risk-based capital ratio | 15.9001% | 2,965 |
| Memoranda: | ||
| Average total assets | $151,316,670 | 3,413 |
| Average earning assets | $138,862,670 | 3,424 |
| Average equity | $12,800,670 | 3,961 |
| Average total loans | $63,104,000 | 4,098 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,512 |
| Cost of funding earning assets | 1.3036% | 83 |
| Net interest margin | 2.3754% | 5,449 |
| Noninterest income to average assets | 0.1224% | 5,242 |
| Noninterest expense to average assets | 1.8167% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4655% | 4,777 |
| Return on assets (ROA) | 0.4655% | 4,781 |
| Pretax return on assets | 0.4867% | 4,893 |
| Return on Equity (ROE) | 5.3923% | 4,352 |
| Retained earnings to average equity (ytd only) | -3.1429% | 5,089 |
| Net charge-offs to loans | -0.0580% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8684% | 1,271 |
| Assets per employee ($millions) | 15.1776% | 95 |
| Cash dividends to net income (ytd only)* | 158.2857% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 1,023 |
| Loan loss allowance to noncurrent loans | 146.2810% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 1,194 |
| Noncurrent loans to loans | 1.1381% | 1,611 |
| Net loans and leases to total assets | 41.3287% | 5,008 |
| Net loans and leases to deposits | 58.4769% | 4,565 |
| Net loans and leases to core deposits | 129.3874% | 352 |
| Total domestic deposits to total assets | 70.6752% | 5,344 |
| Equity capital to assets | 8.1232% | 5,219 |
| Core capital (leverage) ratio | 9.2283% | 4,399 |
| Tier 1 risk-based capital ratio | 15.5155% | 2,661 |
| Total risk-based capital ratio | 16.7017% | 2,614 |
| Memoranda: | ||
| Average total assets | $150,385,500 | 3,463 |
| Average earning assets | $138,081,500 | 3,476 |
| Average equity | $12,981,500 | 3,971 |
| Average total loans | $62,026,500 | 4,152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 4,627 |
| Cost of funding earning assets | 1.1381% | 105 |
| Net interest margin | 2.4368% | 5,441 |
| Noninterest income to average assets | 0.0405% | 5,552 |
| Noninterest expense to average assets | 1.7293% | 5,302 |
| Loan and lease loss provision to assets | 0.0764% | 2,671 |
| Net operating income to assets | -0.1663% | 5,442 |
| Return on assets (ROA) | -0.0944% | 5,417 |
| Pretax return on assets | 0.5669% | 4,811 |
| Return on Equity (ROE) | -0.9642% | 5,425 |
| Retained earnings to average equity (ytd only) | -6.0159% | 5,467 |
| Net charge-offs to loans | -0.0919% | 5,347 |
| Credit loss provision to net charge-offs | -221.1538% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5069% | 1,554 |
| Assets per employee ($millions) | 12.4163% | 165 |
| Cash dividends to net income (ytd only)* | -523.9437% | 5,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 862 |
| Loan loss allowance to noncurrent loans | 144.3836% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 1,118 |
| Noncurrent loans to loans | 1.2113% | 1,463 |
| Net loans and leases to total assets | 39.7396% | 5,141 |
| Net loans and leases to deposits | 62.6926% | 4,392 |
| Net loans and leases to core deposits | 119.6573% | 598 |
| Total domestic deposits to total assets | 63.3880% | 5,557 |
| Equity capital to assets | 9.1506% | 4,576 |
| Core capital (leverage) ratio | 9.1851% | 4,416 |
| Tier 1 risk-based capital ratio | 15.5882% | 2,590 |
| Total risk-based capital ratio | 16.7635% | 2,559 |
| Memoranda: | ||
| Average total assets | $150,466,400 | 3,465 |
| Average earning assets | $137,065,800 | 3,490 |
| Average equity | $14,727,600 | 3,752 |
| Average total loans | $56,564,800 | 4,276 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 4,794 |
| Cost of funding earning assets | 1.1007% | 115 |
| Net interest margin | 2.4094% | 5,521 |
| Noninterest income to average assets | 0.0955% | 5,488 |
| Noninterest expense to average assets | 1.6936% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4965% | 4,737 |
| Return on assets (ROA) | 0.5693% | 4,548 |
| Pretax return on assets | 0.6789% | 4,660 |
| Return on Equity (ROE) | 5.7240% | 4,235 |
| Retained earnings to average equity (ytd only) | -0.2400% | 5,245 |
| Net charge-offs to loans | -0.2013% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0913% | 1,879 |
| Assets per employee ($millions) | 13.9353% | 110 |
| Cash dividends to net income (ytd only)* | 104.1915% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 957 |
| Loan loss allowance to noncurrent loans | 123.0964% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 1,038 |
| Noncurrent loans to loans | 1.4154% | 1,318 |
| Net loans and leases to total assets | 35.6858% | 5,362 |
| Net loans and leases to deposits | 56.8977% | 4,817 |
| Net loans and leases to core deposits | 111.1287% | 967 |
| Total domestic deposits to total assets | 62.7192% | 5,628 |
| Equity capital to assets | 10.1534% | 3,748 |
| Core capital (leverage) ratio | 9.4140% | 4,274 |
| Tier 1 risk-based capital ratio | 15.2779% | 2,804 |
| Total risk-based capital ratio | 16.3329% | 2,811 |
| Memoranda: | ||
| Average total assets | $150,834,250 | 3,493 |
| Average earning assets | $137,127,000 | 3,520 |
| Average equity | $15,001,000 | 3,752 |
| Average total loans | $55,640,000 | 4,340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5079% | 4,746 |
| Cost of funding earning assets | 1.0796% | 111 |
| Net interest margin | 2.4283% | 5,549 |
| Noninterest income to average assets | 0.0987% | 5,520 |
| Noninterest expense to average assets | 1.6971% | 5,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5025% | 4,699 |
| Return on assets (ROA) | 0.5799% | 4,447 |
| Pretax return on assets | 0.6959% | 4,558 |
| Return on Equity (ROE) | 5.8731% | 4,103 |
| Retained earnings to average equity (ytd only) | -2.2277% | 5,368 |
| Net charge-offs to loans | -0.4386% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7971% | 2,053 |
| Assets per employee ($millions) | 12.7193% | 144 |
| Cash dividends to net income (ytd only)* | 137.9310% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 730 |
| Loan loss allowance to noncurrent loans | 126.7588% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4872% | 1,034 |
| Noncurrent loans to loans | 1.4933% | 1,261 |
| Net loans and leases to total assets | 34.2637% | 5,436 |
| Net loans and leases to deposits | 55.5736% | 4,870 |
| Net loans and leases to core deposits | 112.0042% | 903 |
| Total domestic deposits to total assets | 61.6546% | 5,687 |
| Equity capital to assets | 10.1847% | 3,685 |
| Core capital (leverage) ratio | 9.5760% | 4,047 |
| Tier 1 risk-based capital ratio | 16.2312% | 2,417 |
| Total risk-based capital ratio | 17.4119% | 2,385 |
| Memoranda: | ||
| Average total assets | $150,016,330 | 3,520 |
| Average earning assets | $135,978,330 | 3,556 |
| Average equity | $14,813,330 | 3,782 |
| Average total loans | $55,629,330 | 4,363 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 4,737 |
| Cost of funding earning assets | 1.0534% | 126 |
| Net interest margin | 2.4301% | 5,595 |
| Noninterest income to average assets | 0.0995% | 5,594 |
| Noninterest expense to average assets | 1.6784% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5239% | 4,498 |
| Return on assets (ROA) | 0.6052% | 4,191 |
| Pretax return on assets | 0.7209% | 4,382 |
| Return on Equity (ROE) | 6.2295% | 3,795 |
| Retained earnings to average equity (ytd only) | -8.4167% | 5,541 |
| Net charge-offs to loans | -1.3242% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8972% | 2,423 |
| Assets per employee ($millions) | 12.8643% | 141 |
| Cash dividends to net income (ytd only)* | 235.1111% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9171% | 762 |
| Loan loss allowance to noncurrent loans | 152.4823% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 978 |
| Noncurrent loans to loans | 1.2572% | 1,605 |
| Net loans and leases to total assets | 35.6285% | 5,417 |
| Net loans and leases to deposits | 53.7697% | 4,947 |
| Net loans and leases to core deposits | 106.4592% | 1,070 |
| Total domestic deposits to total assets | 66.2612% | 5,705 |
| Equity capital to assets | 9.4338% | 4,357 |
| Core capital (leverage) ratio | 9.5225% | 4,099 |
| Tier 1 risk-based capital ratio | 15.7556% | 2,641 |
| Total risk-based capital ratio | 16.9933% | 2,593 |
| Memoranda: | ||
| Average total assets | $148,709,000 | 3,571 |
| Average earning assets | $134,807,500 | 3,610 |
| Average equity | $14,447,500 | 3,856 |
| Average total loans | $56,791,000 | 4,382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 4,753 |
| Cost of funding earning assets | 0.9535% | 224 |
| Net interest margin | 2.5571% | 5,552 |
| Noninterest income to average assets | 0.0678% | 5,730 |
| Noninterest expense to average assets | 1.7356% | 5,531 |
| Loan and lease loss provision to assets | 0.0616% | 3,136 |
| Net operating income to assets | 0.4906% | 4,670 |
| Return on assets (ROA) | 0.6922% | 3,926 |
| Pretax return on assets | 0.8428% | 4,039 |
| Return on Equity (ROE) | 6.4196% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.1083% | 2,984 |
| Net charge-offs to loans | 0.0808% | 2,535 |
| Credit loss provision to net charge-offs | 204.5455% | 1,381 |
| Earnings coverage of net charge-offs (x) | 21.8636% | 1,761 |
| Efficiency ratio | 72.4907% | 2,509 |
| Assets per employee ($millions) | 14.3047% | 99 |
| Cash dividends to net income (ytd only)* | 36.0040% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,527 |
| Loan loss allowance to noncurrent loans | 121.8407% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.7421% | 870 |
| Noncurrent loans to loans | 1.2659% | 1,620 |
| Net loans and leases to total assets | 39.5814% | 5,330 |
| Net loans and leases to deposits | 59.6873% | 4,695 |
| Net loans and leases to core deposits | 101.5387% | 1,482 |
| Total domestic deposits to total assets | 66.3146% | 5,750 |
| Equity capital to assets | 10.0191% | 3,701 |
| Core capital (leverage) ratio | 9.7475% | 3,805 |
| Tier 1 risk-based capital ratio | 16.8470% | 2,212 |
| Total risk-based capital ratio | 17.9202% | 2,225 |
| Memoranda: | ||
| Average total assets | $146,055,600 | 3,578 |
| Average earning assets | $132,884,000 | 3,603 |
| Average equity | $15,748,600 | 3,728 |
| Average total loans | $54,483,000 | 4,442 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 4,875 |
| Cost of funding earning assets | 0.9255% | 255 |
| Net interest margin | 2.5513% | 5,626 |
| Noninterest income to average assets | 0.0999% | 5,713 |
| Noninterest expense to average assets | 1.7574% | 5,568 |
| Loan and lease loss provision to assets | 0.0318% | 3,592 |
| Net operating income to assets | 0.5230% | 4,604 |
| Return on assets (ROA) | 0.6712% | 4,121 |
| Pretax return on assets | 0.8174% | 4,257 |
| Return on Equity (ROE) | 6.1189% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.4050% | 3,199 |
| Net charge-offs to loans | -0.0124% | 4,849 |
| Credit loss provision to net charge-offs | -700.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4448% | 2,507 |
| Assets per employee ($millions) | 12.5587% | 144 |
| Cash dividends to net income (ytd only)* | 28.0105% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,455 |
| Loan loss allowance to noncurrent loans | 152.9514% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 792 |
| Noncurrent loans to loans | 1.0484% | 2,144 |
| Net loans and leases to total assets | 35.8703% | 5,557 |
| Net loans and leases to deposits | 55.3244% | 5,036 |
| Net loans and leases to core deposits | 107.6102% | 1,075 |
| Total domestic deposits to total assets | 64.8364% | 5,839 |
| Equity capital to assets | 10.9367% | 3,079 |
| Core capital (leverage) ratio | 9.8338% | 3,770 |
| Tier 1 risk-based capital ratio | 16.8108% | 2,294 |
| Total risk-based capital ratio | 17.8824% | 2,311 |
| Memoranda: | ||
| Average total assets | $146,807,750 | 3,584 |
| Average earning assets | $133,836,250 | 3,610 |
| Average equity | $16,102,750 | 3,711 |
| Average total loans | $53,727,000 | 4,500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 4,820 |
| Cost of funding earning assets | 0.9050% | 284 |
| Net interest margin | 2.6111% | 5,658 |
| Noninterest income to average assets | 0.2282% | 5,124 |
| Noninterest expense to average assets | 1.9229% | 5,414 |
| Loan and lease loss provision to assets | 0.0481% | 3,189 |
| Net operating income to assets | 0.5295% | 4,563 |
| Return on assets (ROA) | 0.6721% | 4,089 |
| Pretax return on assets | 0.8082% | 4,252 |
| Return on Equity (ROE) | 6.1216% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.8557% | 3,439 |
| Net charge-offs to loans | 0.1200% | 1,633 |
| Credit loss provision to net charge-offs | 109.3750% | 1,971 |
| Earnings coverage of net charge-offs (x) | 15.5625% | 1,987 |
| Efficiency ratio | 73.7480% | 2,396 |
| Assets per employee ($millions) | 10.3994% | 247 |
| Cash dividends to net income (ytd only)* | 37.0143% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 1,517 |
| Loan loss allowance to noncurrent loans | 146.5278% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 2.1979% | 703 |
| Noncurrent loans to loans | 1.0949% | 2,094 |
| Net loans and leases to total assets | 35.5537% | 5,628 |
| Net loans and leases to deposits | 53.0288% | 5,198 |
| Net loans and leases to core deposits | 101.8997% | 1,476 |
| Total domestic deposits to total assets | 67.0460% | 5,865 |
| Equity capital to assets | 11.2699% | 2,775 |
| Core capital (leverage) ratio | 9.8591% | 3,736 |
| Tier 1 risk-based capital ratio | 16.5321% | 2,411 |
| Total risk-based capital ratio | 17.5633% | 2,441 |
| Memoranda: | ||
| Average total assets | $145,509,000 | 3,624 |
| Average earning assets | $132,589,670 | 3,652 |
| Average equity | $15,976,330 | 3,735 |
| Average total loans | $53,323,000 | 4,545 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5934% | 4,629 |
| Cost of funding earning assets | 0.8848% | 313 |
| Net interest margin | 2.7086% | 5,607 |
| Noninterest income to average assets | 0.1072% | 5,801 |
| Noninterest expense to average assets | 1.7818% | 5,670 |
| Loan and lease loss provision to assets | 0.0962% | 2,087 |
| Net operating income to assets | 0.5808% | 4,268 |
| Return on assets (ROA) | 0.7314% | 3,687 |
| Pretax return on assets | 0.8772% | 3,946 |
| Return on Equity (ROE) | 6.7511% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.1115% | 3,431 |
| Net charge-offs to loans | -0.0373% | 5,173 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,261 |
| Assets per employee ($millions) | 9.6925% | 313 |
| Cash dividends to net income (ytd only)* | 39.0977% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 1,423 |
| Loan loss allowance to noncurrent loans | 132.4812% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 2.2622% | 710 |
| Noncurrent loans to loans | 1.2621% | 1,918 |
| Net loans and leases to total assets | 35.6352% | 5,651 |
| Net loans and leases to deposits | 52.4606% | 5,198 |
| Net loans and leases to core deposits | 99.4357% | 1,526 |
| Total domestic deposits to total assets | 67.9277% | 5,927 |
| Equity capital to assets | 10.9618% | 2,983 |
| Core capital (leverage) ratio | 9.5628% | 4,090 |
| Tier 1 risk-based capital ratio | 17.5969% | 2,096 |
| Total risk-based capital ratio | 18.7659% | 2,088 |
| Memoranda: | ||
| Average total assets | $145,468,000 | 3,643 |
| Average earning assets | $132,465,000 | 3,675 |
| Average equity | $15,760,500 | 3,768 |
| Average total loans | $53,681,000 | 4,564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 5,201 |
| Cost of funding earning assets | 0.8769% | 321 |
| Net interest margin | 2.5056% | 5,824 |
| Noninterest income to average assets | 0.0715% | 5,945 |
| Noninterest expense to average assets | 1.8185% | 5,714 |
| Loan and lease loss provision to assets | 0.2914% | 595 |
| Net operating income to assets | 0.2761% | 5,421 |
| Return on assets (ROA) | 0.3417% | 5,328 |
| Pretax return on assets | 0.2828% | 5,554 |
| Return on Equity (ROE) | 3.4937% | 5,142 |
| Retained earnings to average equity (ytd only) | 1.8822% | 4,653 |
| Net charge-offs to loans | 0.8357% | 261 |
| Credit loss provision to net charge-offs | 103.7736% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.8113% | 4,026 |
| Efficiency ratio | 78.1446% | 1,943 |
| Assets per employee ($millions) | 10.3964% | 237 |
| Cash dividends to net income (ytd only)* | 46.1240% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,832 |
| Loan loss allowance to noncurrent loans | 111.2434% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4425% | 639 |
| Noncurrent loans to loans | 1.3828% | 1,697 |
| Net loans and leases to total assets | 36.9848% | 5,666 |
| Net loans and leases to deposits | 52.0846% | 5,281 |
| Net loans and leases to core deposits | 107.4128% | 1,010 |
| Total domestic deposits to total assets | 71.0091% | 5,851 |
| Equity capital to assets | 10.7070% | 3,126 |
| Core capital (leverage) ratio | 9.2220% | 4,580 |
| Tier 1 risk-based capital ratio | 12.9215% | 4,373 |
| Total risk-based capital ratio | 13.7674% | 4,519 |
| Memoranda: | ||
| Average total assets | $151,005,200 | 3,555 |
| Average earning assets | $135,937,000 | 3,597 |
| Average equity | $14,769,600 | 3,868 |
| Average total loans | $50,733,200 | 4,646 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,330 |
| Cost of funding earning assets | 0.8703% | 343 |
| Net interest margin | 2.4754% | 5,924 |
| Noninterest income to average assets | 0.1094% | 5,917 |
| Noninterest expense to average assets | 1.7903% | 5,787 |
| Loan and lease loss provision to assets | 0.1619% | 1,321 |
| Net operating income to assets | 0.3761% | 5,243 |
| Return on assets (ROA) | 0.4472% | 5,069 |
| Pretax return on assets | 0.4515% | 5,344 |
| Return on Equity (ROE) | 4.6775% | 4,766 |
| Retained earnings to average equity (ytd only) | 3.1488% | 4,217 |
| Net charge-offs to loans | 0.5682% | 403 |
| Credit loss provision to net charge-offs | 87.2642% | 2,506 |
| Earnings coverage of net charge-offs (x) | 2.9198% | 3,582 |
| Efficiency ratio | 76.7730% | 2,120 |
| Assets per employee ($millions) | 12.1429% | 144 |
| Cash dividends to net income (ytd only)* | 32.6807% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,822 |
| Loan loss allowance to noncurrent loans | 798.0000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 2.4678% | 708 |
| Noncurrent loans to loans | 0.1992% | 4,848 |
| Net loans and leases to total assets | 33.9121% | 5,859 |
| Net loans and leases to deposits | 48.6110% | 5,527 |
| Net loans and leases to core deposits | 99.5026% | 1,558 |
| Total domestic deposits to total assets | 69.7622% | 5,984 |
| Equity capital to assets | 10.7710% | 3,276 |
| Core capital (leverage) ratio | 9.0692% | 4,917 |
| Tier 1 risk-based capital ratio | 15.9644% | 2,814 |
| Total risk-based capital ratio | 16.9295% | 2,896 |
| Memoranda: | ||
| Average total assets | $152,369,250 | 3,564 |
| Average earning assets | $136,812,000 | 3,614 |
| Average equity | $14,566,000 | 3,938 |
| Average total loans | $49,748,500 | 4,724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 5,521 |
| Cost of funding earning assets | 0.8601% | 362 |
| Net interest margin | 2.3948% | 6,044 |
| Noninterest income to average assets | 0.1216% | 5,937 |
| Noninterest expense to average assets | 1.7531% | 5,921 |
| Loan and lease loss provision to assets | 0.0194% | 3,742 |
| Net operating income to assets | 0.4437% | 4,989 |
| Return on assets (ROA) | 0.5473% | 4,679 |
| Pretax return on assets | 0.6210% | 4,926 |
| Return on Equity (ROE) | 5.9621% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.5949% | 3,111 |
| Net charge-offs to loans | -0.5122% | 6,208 |
| Credit loss provision to net charge-offs | -11.8110% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0324% | 2,200 |
| Assets per employee ($millions) | 11.0466% | 190 |
| Cash dividends to net income (ytd only)* | 22.9314% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 1,112 |
| Loan loss allowance to noncurrent loans | 153.8217% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 2.5037% | 754 |
| Noncurrent loans to loans | 1.2534% | 2,151 |
| Net loans and leases to total assets | 31.7720% | 5,988 |
| Net loans and leases to deposits | 49.2883% | 5,542 |
| Net loans and leases to core deposits | 100.4847% | 1,451 |
| Total domestic deposits to total assets | 64.4615% | 6,197 |
| Equity capital to assets | 9.1069% | 5,144 |
| Core capital (leverage) ratio | 8.2908% | 5,717 |
| Tier 1 risk-based capital ratio | 15.5228% | 3,095 |
| Total risk-based capital ratio | 16.7195% | 3,064 |
| Memoranda: | ||
| Average total assets | $154,587,330 | 3,556 |
| Average earning assets | $139,053,000 | 3,613 |
| Average equity | $14,189,670 | 4,013 |
| Average total loans | $49,593,670 | 4,766 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1837% | 5,672 |
| Cost of funding earning assets | 0.8620% | 357 |
| Net interest margin | 2.3217% | 6,150 |
| Noninterest income to average assets | 0.0906% | 6,124 |
| Noninterest expense to average assets | 1.7107% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4130% | 5,022 |
| Return on assets (ROA) | 0.5616% | 4,543 |
| Pretax return on assets | 0.6418% | 4,791 |
| Return on Equity (ROE) | 6.0944% | 3,983 |
| Retained earnings to average equity (ytd only) | 5.3642% | 2,855 |
| Net charge-offs to loans | -0.7540% | 6,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4104% | 2,127 |
| Assets per employee ($millions) | 12.8608% | 120 |
| Cash dividends to net income (ytd only)* | 11.9816% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 1,384 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 2.5834% | 815 |
| Noncurrent loans to loans | 1.3101% | 2,192 |
| Net loans and leases to total assets | 31.4536% | 6,022 |
| Net loans and leases to deposits | 46.5800% | 5,635 |
| Net loans and leases to core deposits | 84.8785% | 2,670 |
| Total domestic deposits to total assets | 67.5259% | 6,213 |
| Equity capital to assets | 9.5530% | 4,687 |
| Core capital (leverage) ratio | 8.1966% | 5,809 |
| Tier 1 risk-based capital ratio | 13.8905% | 4,092 |
| Total risk-based capital ratio | 14.9216% | 4,143 |
| Memoranda: | ||
| Average total assets | $154,555,000 | 3,580 |
| Average earning assets | $139,207,500 | 3,639 |
| Average equity | $14,242,500 | 4,036 |
| Average total loans | $49,339,500 | 4,802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 5,573 |
| Cost of funding earning assets | 0.8816% | 438 |
| Net interest margin | 2.4965% | 6,161 |
| Noninterest income to average assets | -0.0194% | 6,417 |
| Noninterest expense to average assets | 1.6373% | 6,210 |
| Loan and lease loss provision to assets | 1.5526% | 52 |
| Net operating income to assets | -0.4931% | 6,295 |
| Return on assets (ROA) | -0.6980% | 6,331 |
| Pretax return on assets | -1.2744% | 6,402 |
| Return on Equity (ROE) | -7.7327% | 6,336 |
| Retained earnings to average equity (ytd only) | -7.7327% | 6,264 |
| Net charge-offs to loans | 3.4476% | 25 |
| Credit loss provision to net charge-offs | 139.9417% | 1,696 |
| Earnings coverage of net charge-offs (x) | 0.5394% | 4,620 |
| Efficiency ratio | 73.2350% | 2,978 |
| Assets per employee ($millions) | 14.1190% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7262% | 158 |
| Loan loss allowance to noncurrent loans | 74.7546% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.8233% | 461 |
| Noncurrent loans to loans | 4.9845% | 297 |
| Net loans and leases to total assets | 31.6749% | 6,123 |
| Net loans and leases to deposits | 46.5804% | 5,767 |
| Net loans and leases to core deposits | 91.7987% | 2,112 |
| Total domestic deposits to total assets | 68.0006% | 6,269 |
| Equity capital to assets | 9.1888% | 5,089 |
| Core capital (leverage) ratio | 8.6616% | 5,379 |
| Tier 1 risk-based capital ratio | 16.6392% | 2,656 |
| Total risk-based capital ratio | 17.9033% | 2,601 |
| Memoranda: | ||
| Average total assets | $154,581,600 | 3,565 |
| Average earning assets | $139,637,600 | 3,612 |
| Average equity | $13,953,800 | 4,034 |
| Average total loans | $49,744,400 | 4,825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 5,494 |
| Cost of funding earning assets | 0.8870% | 442 |
| Net interest margin | 2.5654% | 6,164 |
| Noninterest income to average assets | 0.0449% | 6,397 |
| Noninterest expense to average assets | 1.6545% | 6,244 |
| Loan and lease loss provision to assets | 2.0725% | 29 |
| Net operating income to assets | -0.7619% | 6,436 |
| Return on assets (ROA) | -0.8575% | 6,445 |
| Pretax return on assets | -1.5138% | 6,488 |
| Return on Equity (ROE) | -9.5425% | 6,437 |
| Retained earnings to average equity (ytd only) | -9.5425% | 6,367 |
| Net charge-offs to loans | 4.7928% | 11 |
| Credit loss provision to net charge-offs | 135.1351% | 1,725 |
| Earnings coverage of net charge-offs (x) | 0.4617% | 4,383 |
| Efficiency ratio | 70.0292% | 3,502 |
| Assets per employee ($millions) | 11.9255% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6467% | 206 |
| Loan loss allowance to noncurrent loans | 72.2288% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 3.3277% | 656 |
| Noncurrent loans to loans | 5.0488% | 357 |
| Net loans and leases to total assets | 31.4271% | 6,206 |
| Net loans and leases to deposits | 47.6975% | 5,782 |
| Net loans and leases to core deposits | 87.2857% | 2,505 |
| Total domestic deposits to total assets | 65.8883% | 6,406 |
| Equity capital to assets | 8.8930% | 5,468 |
| Core capital (leverage) ratio | 8.6580% | 5,493 |
| Tier 1 risk-based capital ratio | 16.6013% | 2,767 |
| Total risk-based capital ratio | 17.8639% | 2,718 |
| Memoranda: | ||
| Average total assets | $154,399,750 | 3,602 |
| Average earning assets | $139,493,250 | 3,639 |
| Average equity | $13,874,500 | 4,064 |
| Average total loans | $49,406,000 | 4,884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,351 |
| Cost of funding earning assets | 0.8911% | 449 |
| Net interest margin | 2.6361% | 6,130 |
| Noninterest income to average assets | 0.0687% | 6,380 |
| Noninterest expense to average assets | 1.6733% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6650% | 4,019 |
| Return on assets (ROA) | 0.6771% | 4,058 |
| Pretax return on assets | 0.7964% | 4,282 |
| Return on Equity (ROE) | 7.5088% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.5088% | 1,514 |
| Net charge-offs to loans | -0.2122% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1458% | 3,978 |
| Assets per employee ($millions) | 12.9098% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5617% | 656 |
| Loan loss allowance to noncurrent loans | 401.2618% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 1,640 |
| Noncurrent loans to loans | 0.6384% | 4,112 |
| Net loans and leases to total assets | 31.2314% | 6,270 |
| Net loans and leases to deposits | 49.6654% | 5,659 |
| Net loans and leases to core deposits | 84.2748% | 2,712 |
| Total domestic deposits to total assets | 62.8836% | 6,531 |
| Equity capital to assets | 9.7122% | 4,473 |
| Core capital (leverage) ratio | 10.3237% | 3,178 |
| Tier 1 risk-based capital ratio | 19.8794% | 1,714 |
| Total risk-based capital ratio | 21.1337% | 1,679 |
| Memoranda: | ||
| Average total assets | $154,189,000 | 3,618 |
| Average earning assets | $139,602,330 | 3,659 |
| Average equity | $13,903,670 | 4,063 |
| Average total loans | $49,019,330 | 4,926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 5,791 |
| Cost of funding earning assets | 0.9067% | 435 |
| Net interest margin | 2.4208% | 6,404 |
| Noninterest income to average assets | 0.0780% | 6,401 |
| Noninterest expense to average assets | 1.7448% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4971% | 4,707 |
| Return on assets (ROA) | 0.5071% | 4,740 |
| Pretax return on assets | 0.5305% | 5,079 |
| Return on Equity (ROE) | 5.8504% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8504% | 2,620 |
| Net charge-offs to loans | -0.3614% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0379% | 2,643 |
| Assets per employee ($millions) | 12.7357% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6833% | 640 |
| Loan loss allowance to noncurrent loans | 49.5492% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.4549% | 758 |
| Noncurrent loans to loans | 5.4153% | 374 |
| Net loans and leases to total assets | 29.9965% | 6,354 |
| Net loans and leases to deposits | 45.4837% | 5,887 |
| Net loans and leases to core deposits | 76.3910% | 3,372 |
| Total domestic deposits to total assets | 65.9500% | 6,558 |
| Equity capital to assets | 9.0828% | 5,019 |
| Core capital (leverage) ratio | 10.1124% | 3,413 |
| Tier 1 risk-based capital ratio | 19.5897% | 1,815 |
| Total risk-based capital ratio | 20.8446% | 1,790 |
| Memoranda: | ||
| Average total assets | $153,824,500 | 3,650 |
| Average earning assets | $138,960,500 | 3,688 |
| Average equity | $13,332,500 | 4,179 |
| Average total loans | $48,701,500 | 4,980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 5,661 |
| Cost of funding earning assets | 0.9177% | 672 |
| Net interest margin | 2.5736% | 6,295 |
| Noninterest income to average assets | -0.3347% | 6,781 |
| Noninterest expense to average assets | 1.7231% | 6,418 |
| Loan and lease loss provision to assets | 0.0157% | 4,810 |
| Net operating income to assets | 0.3049% | 5,505 |
| Return on assets (ROA) | 0.0538% | 6,171 |
| Pretax return on assets | -0.1398% | 6,319 |
| Return on Equity (ROE) | 0.5457% | 6,158 |
| Retained earnings to average equity (ytd only) | -5.7563% | 6,406 |
| Net charge-offs to loans | -0.4034% | 6,709 |
| Credit loss provision to net charge-offs | -12.3077% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5239% | 1,364 |
| Assets per employee ($millions) | 11.9093% | 141 |
| Cash dividends to net income (ytd only)* | 1,154.8780% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4256% | 902 |
| Loan loss allowance to noncurrent loans | 47.7495% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.4989% | 835 |
| Noncurrent loans to loans | 5.0799% | 481 |
| Net loans and leases to total assets | 31.6985% | 6,403 |
| Net loans and leases to deposits | 48.9156% | 5,836 |
| Net loans and leases to core deposits | 82.9365% | 2,782 |
| Total domestic deposits to total assets | 64.8026% | 6,657 |
| Equity capital to assets | 8.2573% | 5,817 |
| Core capital (leverage) ratio | 9.8747% | 3,735 |
| Tier 1 risk-based capital ratio | 18.6683% | 2,023 |
| Total risk-based capital ratio | 19.9213% | 1,987 |
| Memoranda: | ||
| Average total assets | $152,396,400 | 3,669 |
| Average earning assets | $137,743,000 | 3,700 |
| Average equity | $15,027,000 | 3,868 |
| Average total loans | $48,337,800 | 5,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4809% | 5,734 |
| Cost of funding earning assets | 0.9156% | 756 |
| Net interest margin | 2.5653% | 6,358 |
| Noninterest income to average assets | -0.3847% | 6,859 |
| Noninterest expense to average assets | 1.7901% | 6,353 |
| Loan and lease loss provision to assets | 0.0211% | 4,579 |
| Net operating income to assets | 0.2217% | 5,865 |
| Return on assets (ROA) | -0.0026% | 6,348 |
| Pretax return on assets | -0.2257% | 6,479 |
| Return on Equity (ROE) | -0.0257% | 6,351 |
| Retained earnings to average equity (ytd only) | -1.1291% | 6,153 |
| Net charge-offs to loans | -0.5462% | 6,788 |
| Credit loss provision to net charge-offs | -12.2449% | 5,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4682% | 826 |
| Assets per employee ($millions) | 12.8713% | 118 |
| Cash dividends to net income (ytd only)* | -4,300.0000% | 6,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5877% | 842 |
| Loan loss allowance to noncurrent loans | 47.6767% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 3.7461% | 877 |
| Noncurrent loans to loans | 5.4277% | 511 |
| Net loans and leases to total assets | 29.7580% | 6,542 |
| Net loans and leases to deposits | 46.1152% | 6,090 |
| Net loans and leases to core deposits | 82.9253% | 2,771 |
| Total domestic deposits to total assets | 64.5297% | 6,735 |
| Equity capital to assets | 9.0803% | 5,083 |
| Core capital (leverage) ratio | 10.6117% | 2,876 |
| Tier 1 risk-based capital ratio | 20.2701% | 1,663 |
| Total risk-based capital ratio | 21.5237% | 1,640 |
| Memoranda: | ||
| Average total assets | $151,790,250 | 3,709 |
| Average earning assets | $137,318,750 | 3,746 |
| Average equity | $15,587,750 | 3,814 |
| Average total loans | $47,848,250 | 5,081 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5180% | 5,657 |
| Cost of funding earning assets | 0.9271% | 785 |
| Net interest margin | 2.5909% | 6,346 |
| Noninterest income to average assets | -0.4811% | 6,904 |
| Noninterest expense to average assets | 1.7919% | 6,388 |
| Loan and lease loss provision to assets | 0.0318% | 4,295 |
| Net operating income to assets | 0.1620% | 5,999 |
| Return on assets (ROA) | -0.1909% | 6,519 |
| Pretax return on assets | -0.5116% | 6,634 |
| Return on Equity (ROE) | -1.7879% | 6,512 |
| Retained earnings to average equity (ytd only) | -2.4459% | 6,240 |
| Net charge-offs to loans | -0.1747% | 6,627 |
| Credit loss provision to net charge-offs | -57.1429% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1593% | 644 |
| Assets per employee ($millions) | 11.5425% | 158 |
| Cash dividends to net income (ytd only)* | -36.8056% | 6,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,448 |
| Loan loss allowance to noncurrent loans | 46.0708% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 4.4578% | 741 |
| Noncurrent loans to loans | 4.7491% | 705 |
| Net loans and leases to total assets | 31.7890% | 6,516 |
| Net loans and leases to deposits | 47.8090% | 5,988 |
| Net loans and leases to core deposits | 83.6710% | 2,602 |
| Total domestic deposits to total assets | 66.4916% | 6,748 |
| Equity capital to assets | 9.3268% | 4,817 |
| Core capital (leverage) ratio | 10.4040% | 2,981 |
| Tier 1 risk-based capital ratio | 19.9502% | 1,733 |
| Total risk-based capital ratio | 21.2012% | 1,697 |
| Memoranda: | ||
| Average total assets | $150,901,670 | 3,751 |
| Average earning assets | $136,553,330 | 3,786 |
| Average equity | $16,108,670 | 3,756 |
| Average total loans | $48,069,670 | 5,099 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 5,681 |
| Cost of funding earning assets | 0.9423% | 811 |
| Net interest margin | 2.5652% | 6,419 |
| Noninterest income to average assets | -0.1956% | 6,950 |
| Noninterest expense to average assets | 1.6811% | 6,583 |
| Loan and lease loss provision to assets | 0.0449% | 3,859 |
| Net operating income to assets | 0.3714% | 5,256 |
| Return on assets (ROA) | 0.4784% | 4,945 |
| Pretax return on assets | 0.5287% | 5,178 |
| Return on Equity (ROE) | 4.2178% | 4,989 |
| Retained earnings to average equity (ytd only) | 3.6119% | 4,076 |
| Net charge-offs to loans | -0.0838% | 6,369 |
| Credit loss provision to net charge-offs | -170.0000% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7129% | 2,501 |
| Assets per employee ($millions) | 11.7614% | 151 |
| Cash dividends to net income (ytd only)* | 14.3646% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1525% | 1,685 |
| Loan loss allowance to noncurrent loans | 322.2571% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 4.1518% | 936 |
| Noncurrent loans to loans | 0.6680% | 4,784 |
| Net loans and leases to total assets | 30.5629% | 6,582 |
| Net loans and leases to deposits | 43.0838% | 6,267 |
| Net loans and leases to core deposits | 72.4496% | 3,766 |
| Total domestic deposits to total assets | 70.9381% | 6,713 |
| Equity capital to assets | 11.1722% | 2,776 |
| Core capital (leverage) ratio | 10.9276% | 2,327 |
| Tier 1 risk-based capital ratio | 21.5395% | 1,417 |
| Total risk-based capital ratio | 22.7901% | 1,387 |
| Memoranda: | ||
| Average total assets | $151,326,500 | 3,783 |
| Average earning assets | $137,530,500 | 3,804 |
| Average equity | $17,165,500 | 3,640 |
| Average total loans | $47,721,000 | 5,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 5,266 |
| Cost of funding earning assets | 1.1648% | 677 |
| Net interest margin | 2.8456% | 6,323 |
| Noninterest income to average assets | -0.2644% | 6,981 |
| Noninterest expense to average assets | 1.7258% | 6,699 |
| Loan and lease loss provision to assets | 0.1187% | 4,139 |
| Net operating income to assets | 0.4791% | 4,761 |
| Return on assets (ROA) | 0.4753% | 5,033 |
| Pretax return on assets | 0.4837% | 5,330 |
| Return on Equity (ROE) | 4.1724% | 5,074 |
| Retained earnings to average equity (ytd only) | -4.9876% | 6,424 |
| Net charge-offs to loans | 1.5623% | 558 |
| Credit loss provision to net charge-offs | 22.0096% | 5,258 |
| Earnings coverage of net charge-offs (x) | 1.1244% | 4,897 |
| Efficiency ratio | 74.0044% | 3,070 |
| Assets per employee ($millions) | 12.4796% | 138 |
| Cash dividends to net income (ytd only)* | 219.5387% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0992% | 1,772 |
| Loan loss allowance to noncurrent loans | 297.9167% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 3.5798% | 1,253 |
| Noncurrent loans to loans | 0.7046% | 4,781 |
| Net loans and leases to total assets | 31.1729% | 6,658 |
| Net loans and leases to deposits | 44.1999% | 6,355 |
| Net loans and leases to core deposits | 70.2581% | 4,271 |
| Total domestic deposits to total assets | 70.5272% | 6,767 |
| Equity capital to assets | 11.5181% | 2,430 |
| Core capital (leverage) ratio | 10.8588% | 2,382 |
| Tier 1 risk-based capital ratio | 21.8880% | 1,280 |
| Total risk-based capital ratio | 23.1393% | 1,251 |
| Memoranda: | ||
| Average total assets | $155,060,000 | 3,700 |
| Average earning assets | $141,480,000 | 3,698 |
| Average equity | $17,663,800 | 3,515 |
| Average total loans | $53,512,400 | 4,962 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 5,270 |
| Cost of funding earning assets | 1.2096% | 663 |
| Net interest margin | 2.8691% | 6,411 |
| Noninterest income to average assets | -0.0196% | 6,971 |
| Noninterest expense to average assets | 1.7895% | 6,689 |
| Loan and lease loss provision to assets | 0.0392% | 5,285 |
| Net operating income to assets | 0.8253% | 3,317 |
| Return on assets (ROA) | 0.3410% | 5,670 |
| Pretax return on assets | 0.2882% | 5,979 |
| Return on Equity (ROE) | 3.0017% | 5,680 |
| Retained earnings to average equity (ytd only) | -2.3638% | 6,433 |
| Net charge-offs to loans | -0.3396% | 7,063 |
| Credit loss provision to net charge-offs | -32.8571% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7971% | 3,912 |
| Assets per employee ($millions) | 12.7903% | 131 |
| Cash dividends to net income (ytd only)* | 178.7501% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5622% | 440 |
| Loan loss allowance to noncurrent loans | 106.4852% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 4.0975% | 1,174 |
| Noncurrent loans to loans | 3.3452% | 1,641 |
| Net loans and leases to total assets | 32.4379% | 6,732 |
| Net loans and leases to deposits | 45.8321% | 6,397 |
| Net loans and leases to core deposits | 75.5619% | 3,783 |
| Total domestic deposits to total assets | 70.7755% | 6,806 |
| Equity capital to assets | 11.6813% | 2,556 |
| Core capital (leverage) ratio | 10.9838% | 2,402 |
| Tier 1 risk-based capital ratio | 21.7892% | 1,369 |
| Total risk-based capital ratio | 23.0524% | 1,341 |
| Memoranda: | ||
| Average total assets | $156,386,250 | 3,713 |
| Average earning assets | $142,851,250 | 3,719 |
| Average equity | $17,767,500 | 3,536 |
| Average total loans | $54,969,500 | 4,952 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 5,056 |
| Cost of funding earning assets | 1.2846% | 561 |
| Net interest margin | 2.8848% | 6,450 |
| Noninterest income to average assets | -0.1436% | 7,116 |
| Noninterest expense to average assets | 1.8430% | 6,695 |
| Loan and lease loss provision to assets | 0.0419% | 5,147 |
| Net operating income to assets | 0.6419% | 4,152 |
| Return on assets (ROA) | 0.3508% | 5,651 |
| Pretax return on assets | 0.3063% | 5,955 |
| Return on Equity (ROE) | 3.1162% | 5,645 |
| Retained earnings to average equity (ytd only) | -4.6631% | 6,600 |
| Net charge-offs to loans | -0.2853% | 7,064 |
| Credit loss provision to net charge-offs | -41.2500% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2448% | 3,036 |
| Assets per employee ($millions) | 12.0603% | 142 |
| Cash dividends to net income (ytd only)* | 249.6377% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3083% | 587 |
| Loan loss allowance to noncurrent loans | 98.7144% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 5.2977% | 868 |
| Noncurrent loans to loans | 3.3514% | 1,733 |
| Net loans and leases to total assets | 32.9211% | 6,776 |
| Net loans and leases to deposits | 46.1458% | 6,425 |
| Net loans and leases to core deposits | 76.1463% | 3,757 |
| Total domestic deposits to total assets | 71.3415% | 6,838 |
| Equity capital to assets | 11.3149% | 2,770 |
| Core capital (leverage) ratio | 10.8943% | 2,397 |
| Tier 1 risk-based capital ratio | 20.5383% | 1,563 |
| Total risk-based capital ratio | 21.7997% | 1,544 |
| Memoranda: | ||
| Average total assets | $157,353,670 | 3,710 |
| Average earning assets | $143,233,000 | 3,730 |
| Average equity | $17,713,670 | 3,538 |
| Average total loans | $56,084,000 | 4,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 4,247 |
| Cost of funding earning assets | 1.4135% | 411 |
| Net interest margin | 3.0053% | 6,287 |
| Noninterest income to average assets | -0.0482% | 7,137 |
| Noninterest expense to average assets | 1.8498% | 6,739 |
| Loan and lease loss provision to assets | 0.0761% | 4,443 |
| Net operating income to assets | 0.6707% | 4,028 |
| Return on assets (ROA) | 0.0812% | 6,391 |
| Pretax return on assets | -0.1599% | 6,638 |
| Return on Equity (ROE) | 0.7231% | 6,401 |
| Retained earnings to average equity (ytd only) | -14.2595% | 6,955 |
| Net charge-offs to loans | -0.5432% | 7,155 |
| Credit loss provision to net charge-offs | -38.4615% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8385% | 4,007 |
| Assets per employee ($millions) | 11.9232% | 150 |
| Cash dividends to net income (ytd only)* | 2,071.8750% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1651% | 708 |
| Loan loss allowance to noncurrent loans | 310.7584% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 4.6677% | 1,132 |
| Noncurrent loans to loans | 1.0185% | 4,641 |
| Net loans and leases to total assets | 34.7785% | 6,700 |
| Net loans and leases to deposits | 47.6939% | 6,306 |
| Net loans and leases to core deposits | 72.7215% | 4,052 |
| Total domestic deposits to total assets | 72.9202% | 6,835 |
| Equity capital to assets | 11.1444% | 2,763 |
| Core capital (leverage) ratio | 10.5871% | 2,657 |
| Tier 1 risk-based capital ratio | 19.9065% | 1,732 |
| Total risk-based capital ratio | 21.1680% | 1,702 |
| Memoranda: | ||
| Average total assets | $157,638,500 | 3,729 |
| Average earning assets | $143,477,500 | 3,757 |
| Average equity | $17,700,500 | 3,544 |
| Average total loans | $57,435,500 | 4,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 3,918 |
| Cost of funding earning assets | 1.6947% | 329 |
| Net interest margin | 3.0817% | 6,381 |
| Noninterest income to average assets | -0.0721% | 7,079 |
| Noninterest expense to average assets | 1.8869% | 6,848 |
| Loan and lease loss provision to assets | 0.1671% | 4,551 |
| Net operating income to assets | 0.5692% | 4,155 |
| Return on assets (ROA) | 0.5377% | 4,472 |
| Pretax return on assets | 0.6111% | 4,661 |
| Return on Equity (ROE) | 5.0737% | 4,352 |
| Retained earnings to average equity (ytd only) | 0.7564% | 5,498 |
| Net charge-offs to loans | 1.4018% | 1,163 |
| Credit loss provision to net charge-offs | 29.0461% | 5,799 |
| Earnings coverage of net charge-offs (x) | 1.4148% | 4,712 |
| Efficiency ratio | 69.8630% | 3,992 |
| Assets per employee ($millions) | 12.3289% | 139 |
| Cash dividends to net income (ytd only)* | 85.0917% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7921% | 987 |
| Loan loss allowance to noncurrent loans | 197.9641% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 4.8859% | 1,105 |
| Noncurrent loans to loans | 1.4104% | 4,040 |
| Net loans and leases to total assets | 35.9062% | 6,774 |
| Net loans and leases to deposits | 51.1433% | 6,277 |
| Net loans and leases to core deposits | 74.8118% | 4,133 |
| Total domestic deposits to total assets | 70.2070% | 6,975 |
| Equity capital to assets | 11.3099% | 2,679 |
| Core capital (leverage) ratio | 10.9217% | 2,330 |
| Tier 1 risk-based capital ratio | 19.8433% | 1,676 |
| Total risk-based capital ratio | 21.1020% | 1,642 |
| Memoranda: | ||
| Average total assets | $162,174,400 | 3,605 |
| Average earning assets | $145,927,600 | 3,639 |
| Average equity | $17,186,800 | 3,547 |
| Average total loans | $66,558,600 | 4,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 3,712 |
| Cost of funding earning assets | 1.7666% | 297 |
| Net interest margin | 3.0973% | 6,387 |
| Noninterest income to average assets | 0.0672% | 6,886 |
| Noninterest expense to average assets | 1.8444% | 6,932 |
| Loan and lease loss provision to assets | 0.1558% | 4,519 |
| Net operating income to assets | 0.6791% | 3,721 |
| Return on assets (ROA) | 0.7820% | 3,410 |
| Pretax return on assets | 0.9739% | 3,506 |
| Return on Equity (ROE) | 7.5035% | 3,274 |
| Retained earnings to average equity (ytd only) | 1.8798% | 5,202 |
| Net charge-offs to loans | 0.5946% | 2,478 |
| Credit loss provision to net charge-offs | 62.2951% | 4,739 |
| Earnings coverage of net charge-offs (x) | 4.0032% | 3,220 |
| Efficiency ratio | 64.8228% | 4,930 |
| Assets per employee ($millions) | 12.2117% | 146 |
| Cash dividends to net income (ytd only)* | 74.9475% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6884% | 494 |
| Loan loss allowance to noncurrent loans | 121.2789% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 6.2406% | 840 |
| Noncurrent loans to loans | 3.0412% | 2,279 |
| Net loans and leases to total assets | 36.1866% | 6,860 |
| Net loans and leases to deposits | 50.4953% | 6,477 |
| Net loans and leases to core deposits | 76.6001% | 4,114 |
| Total domestic deposits to total assets | 71.6633% | 6,958 |
| Equity capital to assets | 11.1684% | 2,989 |
| Core capital (leverage) ratio | 10.8657% | 2,509 |
| Tier 1 risk-based capital ratio | 19.6803% | 1,763 |
| Total risk-based capital ratio | 20.9463% | 1,729 |
| Memoranda: | ||
| Average total assets | $162,649,000 | 3,627 |
| Average earning assets | $145,887,750 | 3,663 |
| Average equity | $16,951,750 | 3,595 |
| Average total loans | $68,397,750 | 4,584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 3,488 |
| Cost of funding earning assets | 1.8030% | 307 |
| Net interest margin | 3.1273% | 6,349 |
| Noninterest income to average assets | 0.0817% | 6,920 |
| Noninterest expense to average assets | 1.8298% | 7,046 |
| Loan and lease loss provision to assets | 0.1586% | 4,333 |
| Net operating income to assets | 0.7200% | 3,442 |
| Return on assets (ROA) | 0.7942% | 3,230 |
| Pretax return on assets | 0.9918% | 3,270 |
| Return on Equity (ROE) | 7.8000% | 3,042 |
| Retained earnings to average equity (ytd only) | -0.4433% | 5,944 |
| Net charge-offs to loans | 0.8694% | 1,780 |
| Credit loss provision to net charge-offs | 41.9355% | 4,777 |
| Earnings coverage of net charge-offs (x) | 2.7968% | 3,449 |
| Efficiency ratio | 63.3714% | 5,352 |
| Assets per employee ($millions) | 12.4335% | 142 |
| Cash dividends to net income (ytd only)* | 105.6836% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1995% | 764 |
| Loan loss allowance to noncurrent loans | 282.2751% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 5.7438% | 1,007 |
| Noncurrent loans to loans | 1.1335% | 4,768 |
| Net loans and leases to total assets | 39.9435% | 6,748 |
| Net loans and leases to deposits | 58.8000% | 5,849 |
| Net loans and leases to core deposits | 94.2567% | 1,866 |
| Total domestic deposits to total assets | 67.9310% | 7,194 |
| Equity capital to assets | 10.8682% | 3,103 |
| Core capital (leverage) ratio | 10.4673% | 2,746 |
| Tier 1 risk-based capital ratio | 17.9830% | 2,180 |
| Total risk-based capital ratio | 19.2459% | 2,130 |
| Memoranda: | ||
| Average total assets | $163,948,000 | 3,617 |
| Average earning assets | $147,090,000 | 3,665 |
| Average equity | $16,692,330 | 3,619 |
| Average total loans | $71,314,670 | 4,527 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 2,895 |
| Cost of funding earning assets | 1.8485% | 316 |
| Net interest margin | 3.1943% | 6,086 |
| Noninterest income to average assets | 0.1696% | 6,513 |
| Noninterest expense to average assets | 1.7444% | 7,195 |
| Loan and lease loss provision to assets | 0.1454% | 4,194 |
| Net operating income to assets | 0.9076% | 2,526 |
| Return on assets (ROA) | 0.9860% | 2,286 |
| Pretax return on assets | 1.2429% | 2,223 |
| Return on Equity (ROE) | 10.0154% | 2,088 |
| Retained earnings to average equity (ytd only) | -6.2750% | 6,614 |
| Net charge-offs to loans | 1.2550% | 1,104 |
| Credit loss provision to net charge-offs | 25.9740% | 4,184 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 3,157 |
| Efficiency ratio | 57.5080% | 6,324 |
| Assets per employee ($millions) | 12.5894% | 137 |
| Cash dividends to net income (ytd only)* | 162.6536% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0234% | 902 |
| Loan loss allowance to noncurrent loans | 239.7092% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 5.2205% | 1,196 |
| Noncurrent loans to loans | 1.2613% | 4,580 |
| Net loans and leases to total assets | 42.0000% | 6,614 |
| Net loans and leases to deposits | 56.9901% | 6,030 |
| Net loans and leases to core deposits | 86.6351% | 2,784 |
| Total domestic deposits to total assets | 73.6970% | 6,928 |
| Equity capital to assets | 9.7872% | 4,050 |
| Core capital (leverage) ratio | 9.9800% | 3,163 |
| Tier 1 risk-based capital ratio | 16.6285% | 2,608 |
| Total risk-based capital ratio | 17.8893% | 2,581 |
| Memoranda: | ||
| Average total assets | $165,104,000 | 3,632 |
| Average earning assets | $148,015,500 | 3,677 |
| Average equity | $16,255,000 | 3,681 |
| Average total loans | $73,623,500 | 4,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 4,025 |
| Cost of funding earning assets | 2.1002% | 430 |
| Net interest margin | 3.0161% | 6,706 |
| Noninterest income to average assets | 0.1648% | 6,543 |
| Noninterest expense to average assets | 1.6605% | 7,370 |
| Loan and lease loss provision to assets | 1.3803% | 1,089 |
| Net operating income to assets | 0.0630% | 5,670 |
| Return on assets (ROA) | 0.3226% | 5,019 |
| Pretax return on assets | 0.1554% | 5,585 |
| Return on Equity (ROE) | 3.1569% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.5463% | 4,090 |
| Net charge-offs to loans | 4.8359% | 194 |
| Credit loss provision to net charge-offs | 57.2370% | 6,132 |
| Earnings coverage of net charge-offs (x) | 0.5292% | 5,586 |
| Efficiency ratio | 56.5444% | 6,519 |
| Assets per employee ($millions) | 9.7968% | 265 |
| Cash dividends to net income (ytd only)* | 19.3431% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0315% | 848 |
| Loan loss allowance to noncurrent loans | 69.1251% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 5.3781% | 1,155 |
| Noncurrent loans to loans | 4.3855% | 1,636 |
| Net loans and leases to total assets | 44.4628% | 6,676 |
| Net loans and leases to deposits | 62.6351% | 5,780 |
| Net loans and leases to core deposits | 101.3231% | 1,509 |
| Total domestic deposits to total assets | 70.9870% | 7,174 |
| Equity capital to assets | 9.9024% | 3,877 |
| Core capital (leverage) ratio | 10.2165% | 2,848 |
| Tier 1 risk-based capital ratio | 16.8041% | 2,425 |
| Total risk-based capital ratio | 18.0668% | 2,384 |
| Memoranda: | ||
| Average total assets | $169,891,200 | 3,539 |
| Average earning assets | $156,128,800 | 3,521 |
| Average equity | $17,358,800 | 3,525 |
| Average total loans | $84,720,200 | 4,189 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 4,129 |
| Cost of funding earning assets | 2.1488% | 453 |
| Net interest margin | 2.9895% | 6,856 |
| Noninterest income to average assets | 0.1656% | 6,683 |
| Noninterest expense to average assets | 1.6384% | 7,478 |
| Loan and lease loss provision to assets | 1.2769% | 1,101 |
| Net operating income to assets | 0.1210% | 5,719 |
| Return on assets (ROA) | 0.4116% | 4,873 |
| Pretax return on assets | 0.2983% | 5,514 |
| Return on Equity (ROE) | 3.9979% | 4,781 |
| Retained earnings to average equity (ytd only) | 3.3986% | 4,059 |
| Net charge-offs to loans | 4.4403% | 234 |
| Credit loss provision to net charge-offs | 56.5548% | 5,776 |
| Earnings coverage of net charge-offs (x) | 0.5690% | 5,449 |
| Efficiency ratio | 56.0513% | 6,550 |
| Assets per employee ($millions) | 9.9256% | 265 |
| Cash dividends to net income (ytd only)* | 14.9904% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3271% | 619 |
| Loan loss allowance to noncurrent loans | 41.2801% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 5.2638% | 1,187 |
| Noncurrent loans to loans | 8.0598% | 641 |
| Net loans and leases to total assets | 48.4224% | 6,480 |
| Net loans and leases to deposits | 71.2967% | 4,945 |
| Net loans and leases to core deposits | 118.5502% | 669 |
| Total domestic deposits to total assets | 67.9167% | 7,386 |
| Equity capital to assets | 10.6409% | 3,360 |
| Core capital (leverage) ratio | 10.5848% | 2,608 |
| Tier 1 risk-based capital ratio | 16.8408% | 2,396 |
| Total risk-based capital ratio | 18.1093% | 2,353 |
| Memoranda: | ||
| Average total assets | $170,727,500 | 3,566 |
| Average earning assets | $157,478,500 | 3,543 |
| Average equity | $17,575,500 | 3,540 |
| Average total loans | $86,808,750 | 4,203 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2296% | 3,803 |
| Cost of funding earning assets | 2.2591% | 391 |
| Net interest margin | 2.9705% | 6,895 |
| Noninterest income to average assets | 0.1622% | 6,734 |
| Noninterest expense to average assets | 1.6512% | 7,535 |
| Loan and lease loss provision to assets | 1.0502% | 1,382 |
| Net operating income to assets | 0.2754% | 5,277 |
| Return on assets (ROA) | 0.5380% | 4,302 |
| Pretax return on assets | 0.4668% | 5,013 |
| Return on Equity (ROE) | 5.2840% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.6765% | 3,099 |
| Net charge-offs to loans | 4.3690% | 272 |
| Credit loss provision to net charge-offs | 47.0465% | 5,481 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 5,171 |
| Efficiency ratio | 56.8273% | 6,530 |
| Assets per employee ($millions) | 9.4955% | 289 |
| Cash dividends to net income (ytd only)* | 11.4967% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5752% | 519 |
| Loan loss allowance to noncurrent loans | 77.7099% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 3.5410% | 1,979 |
| Noncurrent loans to loans | 4.6007% | 1,567 |
| Net loans and leases to total assets | 51.0253% | 6,303 |
| Net loans and leases to deposits | 74.6897% | 4,570 |
| Net loans and leases to core deposits | 130.3317% | 415 |
| Total domestic deposits to total assets | 68.3164% | 7,415 |
| Equity capital to assets | 11.0046% | 2,855 |
| Core capital (leverage) ratio | 10.5039% | 2,632 |
| Tier 1 risk-based capital ratio | 16.9755% | 2,288 |
| Total risk-based capital ratio | 18.2468% | 2,233 |
| Memoranda: | ||
| Average total assets | $171,391,330 | 3,581 |
| Average earning assets | $158,290,670 | 3,545 |
| Average equity | $17,449,000 | 3,557 |
| Average total loans | $87,572,330 | 4,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 4,001 |
| Cost of funding earning assets | 2.3149% | 412 |
| Net interest margin | 2.8875% | 7,038 |
| Noninterest income to average assets | 0.1519% | 6,880 |
| Noninterest expense to average assets | 1.6238% | 7,638 |
| Loan and lease loss provision to assets | 1.8937% | 592 |
| Net operating income to assets | -0.2216% | 6,573 |
| Return on assets (ROA) | -0.0794% | 6,491 |
| Pretax return on assets | -0.4672% | 6,757 |
| Return on Equity (ROE) | -0.8096% | 6,504 |
| Retained earnings to average equity (ytd only) | -1.4111% | 6,109 |
| Net charge-offs to loans | 8.1130% | 93 |
| Credit loss provision to net charge-offs | 46.4405% | 4,536 |
| Earnings coverage of net charge-offs (x) | 0.2953% | 4,779 |
| Efficiency ratio | 57.4178% | 6,575 |
| Assets per employee ($millions) | 10.2320% | 249 |
| Cash dividends to net income (ytd only)* | -74.2857% | 7,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4900% | 556 |
| Loan loss allowance to noncurrent loans | 69.1537% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 3.1625% | 2,264 |
| Noncurrent loans to loans | 5.0468% | 1,431 |
| Net loans and leases to total assets | 49.3624% | 6,538 |
| Net loans and leases to deposits | 75.5690% | 4,482 |
| Net loans and leases to core deposits | 145.9461% | 268 |
| Total domestic deposits to total assets | 65.3210% | 7,640 |
| Equity capital to assets | 9.9164% | 3,965 |
| Core capital (leverage) ratio | 9.8437% | 3,350 |
| Tier 1 risk-based capital ratio | 16.1627% | 2,579 |
| Total risk-based capital ratio | 17.4310% | 2,532 |
| Memoranda: | ||
| Average total assets | $176,375,000 | 3,553 |
| Average earning assets | $163,463,500 | 3,505 |
| Average equity | $17,291,500 | 3,606 |
| Average total loans | $88,648,000 | 4,237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 4,292 |
| Cost of funding earning assets | 2.7896% | 458 |
| Net interest margin | 2.6853% | 7,230 |
| Noninterest income to average assets | 0.0729% | 7,390 |
| Noninterest expense to average assets | 1.5031% | 7,810 |
| Loan and lease loss provision to assets | 2.0147% | 1,070 |
| Net operating income to assets | -0.3485% | 6,026 |
| Return on assets (ROA) | -0.1857% | 5,822 |
| Pretax return on assets | -0.6692% | 6,161 |
| Return on Equity (ROE) | -2.1577% | 5,883 |
| Retained earnings to average equity (ytd only) | -4.2561% | 5,910 |
| Net charge-offs to loans | 1.6322% | 1,550 |
| Credit loss provision to net charge-offs | 268.8904% | 1,297 |
| Earnings coverage of net charge-offs (x) | 1.4561% | 4,669 |
| Efficiency ratio | 57.9434% | 6,768 |
| Assets per employee ($millions) | 10.5180% | 235 |
| Cash dividends to net income (ytd only)* | -97.2527% | 7,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6056% | 230 |
| Loan loss allowance to noncurrent loans | 84.4684% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 3.2588% | 2,106 |
| Noncurrent loans to loans | 5.4524% | 1,195 |
| Net loans and leases to total assets | 47.1237% | 6,886 |
| Net loans and leases to deposits | 74.0949% | 5,022 |
| Net loans and leases to core deposits | 172.1665% | 220 |
| Total domestic deposits to total assets | 63.5991% | 7,716 |
| Equity capital to assets | 9.6943% | 4,150 |
| Core capital (leverage) ratio | 9.5822% | 3,624 |
| Tier 1 risk-based capital ratio | 16.0246% | 2,513 |
| Total risk-based capital ratio | 17.3048% | 2,426 |
| Memoranda: | ||
| Average total assets | $196,059,600 | 3,225 |
| Average earning assets | $184,075,200 | 3,166 |
| Average equity | $16,870,000 | 3,697 |
| Average total loans | $90,001,200 | 4,210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 3,856 |
| Cost of funding earning assets | 2.8800% | 493 |
| Net interest margin | 2.7210% | 7,180 |
| Noninterest income to average assets | 0.1058% | 7,381 |
| Noninterest expense to average assets | 1.4745% | 7,896 |
| Loan and lease loss provision to assets | 2.1093% | 831 |
| Net operating income to assets | -0.3555% | 6,270 |
| Return on assets (ROA) | -0.1890% | 6,056 |
| Pretax return on assets | -0.6568% | 6,449 |
| Return on Equity (ROE) | -2.2601% | 6,133 |
| Retained earnings to average equity (ytd only) | -4.8704% | 6,239 |
| Net charge-offs to loans | 1.8830% | 1,070 |
| Credit loss provision to net charge-offs | 248.2381% | 1,740 |
| Earnings coverage of net charge-offs (x) | 1.4033% | 4,732 |
| Efficiency ratio | 55.2894% | 7,089 |
| Assets per employee ($millions) | 11.6036% | 190 |
| Cash dividends to net income (ytd only)* | -115.4915% | 8,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9641% | 306 |
| Loan loss allowance to noncurrent loans | 242.1712% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 4,133 |
| Noncurrent loans to loans | 1.6369% | 4,191 |
| Net loans and leases to total assets | 45.4109% | 7,148 |
| Net loans and leases to deposits | 68.4349% | 6,096 |
| Net loans and leases to core deposits | 149.3569% | 591 |
| Total domestic deposits to total assets | 66.3564% | 7,663 |
| Equity capital to assets | 9.5110% | 4,738 |
| Core capital (leverage) ratio | 9.0294% | 4,604 |
| Tier 1 risk-based capital ratio | 16.1089% | 2,590 |
| Total risk-based capital ratio | 17.3820% | 2,521 |
| Memoranda: | ||
| Average total assets | $200,373,000 | 3,200 |
| Average earning assets | $188,604,750 | 3,130 |
| Average equity | $16,754,000 | 3,757 |
| Average total loans | $90,419,500 | 4,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5791% | 4,172 |
| Cost of funding earning assets | 2.9529% | 535 |
| Net interest margin | 2.6263% | 7,325 |
| Noninterest income to average assets | 0.1296% | 7,312 |
| Noninterest expense to average assets | 1.4575% | 7,990 |
| Loan and lease loss provision to assets | 0.6235% | 2,560 |
| Net operating income to assets | 0.5177% | 4,026 |
| Return on assets (ROA) | 0.7492% | 3,154 |
| Pretax return on assets | 0.7580% | 3,810 |
| Return on Equity (ROE) | 9.3480% | 2,236 |
| Retained earnings to average equity (ytd only) | 5.6890% | 2,164 |
| Net charge-offs to loans | 0.6703% | 2,366 |
| Credit loss provision to net charge-offs | 209.1503% | 2,187 |
| Earnings coverage of net charge-offs (x) | 3.8497% | 3,294 |
| Efficiency ratio | 55.9461% | 7,127 |
| Assets per employee ($millions) | 11.8242% | 171 |
| Cash dividends to net income (ytd only)* | 39.1417% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1707% | 1,286 |
| Loan loss allowance to noncurrent loans | 100.7341% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 4,282 |
| Noncurrent loans to loans | 2.1549% | 3,303 |
| Net loans and leases to total assets | 43.0701% | 7,390 |
| Net loans and leases to deposits | 66.7283% | 6,330 |
| Net loans and leases to core deposits | 141.1251% | 967 |
| Total domestic deposits to total assets | 64.5454% | 7,808 |
| Equity capital to assets | 8.2164% | 6,469 |
| Core capital (leverage) ratio | 8.8448% | 4,871 |
| Tier 1 risk-based capital ratio | 15.0974% | 2,983 |
| Total risk-based capital ratio | 16.2993% | 2,933 |
| Memoranda: | ||
| Average total assets | $205,278,000 | 3,165 |
| Average earning assets | $193,507,000 | 3,097 |
| Average equity | $16,452,670 | 3,825 |
| Average total loans | $91,296,330 | 4,250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6363% | 4,127 |
| Cost of funding earning assets | 3.1252% | 426 |
| Net interest margin | 2.5112% | 7,486 |
| Noninterest income to average assets | 0.1311% | 7,352 |
| Noninterest expense to average assets | 1.4580% | 8,014 |
| Loan and lease loss provision to assets | 0.2700% | 3,802 |
| Net operating income to assets | 0.6979% | 3,569 |
| Return on assets (ROA) | 0.9913% | 2,484 |
| Pretax return on assets | 1.1031% | 2,976 |
| Return on Equity (ROE) | 12.5206% | 1,507 |
| Retained earnings to average equity (ytd only) | 5.8218% | 2,709 |
| Net charge-offs to loans | 0.3841% | 2,561 |
| Credit loss provision to net charge-offs | 157.3034% | 2,679 |
| Earnings coverage of net charge-offs (x) | 6.1011% | 2,543 |
| Efficiency ratio | 58.1986% | 6,671 |
| Assets per employee ($millions) | 11.9681% | 173 |
| Cash dividends to net income (ytd only)* | 53.5019% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 1,930 |
| Loan loss allowance to noncurrent loans | 62.8692% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 3,927 |
| Noncurrent loans to loans | 2.8135% | 2,326 |
| Net loans and leases to total assets | 44.7380% | 7,285 |
| Net loans and leases to deposits | 68.7085% | 6,110 |
| Net loans and leases to core deposits | 139.0556% | 1,150 |
| Total domestic deposits to total assets | 65.1127% | 7,784 |
| Equity capital to assets | 8.2189% | 6,510 |
| Core capital (leverage) ratio | 8.4108% | 5,700 |
| Tier 1 risk-based capital ratio | 14.5780% | 3,272 |
| Total risk-based capital ratio | 15.8294% | 3,197 |
| Memoranda: | ||
| Average total assets | $207,411,000 | 3,147 |
| Average earning assets | $196,085,000 | 3,067 |
| Average equity | $16,421,000 | 3,860 |
| Average total loans | $92,696,000 | 4,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3610% | 3,635 |
| Cost of funding earning assets | 3.6440% | 327 |
| Net interest margin | 2.7171% | 7,468 |
| Noninterest income to average assets | 0.1475% | 7,361 |
| Noninterest expense to average assets | 1.2485% | 8,143 |
| Loan and lease loss provision to assets | 0.5840% | 2,487 |
| Net operating income to assets | 0.7592% | 3,616 |
| Return on assets (ROA) | 0.8674% | 2,993 |
| Pretax return on assets | 0.9983% | 3,390 |
| Return on Equity (ROE) | 12.3096% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.5523% | 264 |
| Net charge-offs to loans | 0.5302% | 2,240 |
| Credit loss provision to net charge-offs | 243.1866% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.0713% | 3,447 |
| Efficiency ratio | 46.1310% | 7,924 |
| Assets per employee ($millions) | 12.4332% | 149 |
| Cash dividends to net income (ytd only)* | 6.1521% | 4,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,878 |
| Loan loss allowance to noncurrent loans | 171.7532% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 5,619 |
| Noncurrent loans to loans | 0.9964% | 4,602 |
| Net loans and leases to total assets | 43.1213% | 7,523 |
| Net loans and leases to deposits | 62.0688% | 6,936 |
| Net loans and leases to core deposits | 121.9272% | 2,514 |
| Total domestic deposits to total assets | 69.4735% | 7,335 |
| Equity capital to assets | 7.6267% | 7,280 |
| Core capital (leverage) ratio | 8.0769% | 6,362 |
| Tier 1 risk-based capital ratio | 14.2796% | 3,406 |
| Total risk-based capital ratio | 15.5302% | 3,324 |
| Memoranda: | ||
| Average total assets | $198,645,000 | 3,159 |
| Average earning assets | $187,076,800 | 3,083 |
| Average equity | $13,997,200 | 4,343 |
| Average total loans | $89,968,000 | 4,226 |