Home > Lakeside Bank > Performance and Condition Ratios
Lakeside 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 | 4.4672% | 3,148 |
| Cost of funding earning assets | 1.2514% | 2,655 |
| Net interest margin | 3.2157% | 2,841 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.3552% | 2,708 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7129% | 3,160 |
| Return on assets (ROA) | 0.7129% | 3,138 |
| Pretax return on assets | 0.8974% | 2,968 |
| Return on Equity (ROE) | 8.0800% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.6829% | 1,637 |
| Net charge-offs to loans | 0.0358% | 1,594 |
| Credit loss provision to net charge-offs | 40.2299% | 2,236 |
| Earnings coverage of net charge-offs (x) | 37.1264% | 1,493 |
| Efficiency ratio | 72.1911% | 1,641 |
| Assets per employee ($millions) | 7.4651% | 1,754 |
| Cash dividends to net income (ytd only)* | 4.9251% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,197 |
| Loan loss allowance to noncurrent loans | 462.3438% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,343 |
| Noncurrent loans to loans | 0.2633% | 2,240 |
| Net loans and leases to total assets | 67.0100% | 2,147 |
| Net loans and leases to deposits | 84.9157% | 1,697 |
| Net loans and leases to core deposits | 99.9854% | 1,437 |
| Total domestic deposits to total assets | 78.9100% | 3,623 |
| Equity capital to assets | 9.0912% | 2,613 |
| Core capital (leverage) ratio | 9.2832% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7616% | 1,951 |
| Memoranda: | ||
| Average total assets | $356,022,000 | 2,170 |
| Average earning assets | $335,292,000 | 2,150 |
| Average equity | $31,407,600 | 2,202 |
| Average total loans | $243,159,400 | 2,042 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 3,075 |
| Cost of funding earning assets | 1.1418% | 2,614 |
| Net interest margin | 3.2738% | 2,745 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.3590% | 2,630 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.7468% | 3,182 |
| Return on assets (ROA) | 0.7468% | 3,177 |
| Pretax return on assets | 0.9449% | 2,993 |
| Return on Equity (ROE) | 8.5300% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.9958% | 1,968 |
| Net charge-offs to loans | 0.0334% | 1,418 |
| Credit loss provision to net charge-offs | -139.3443% | 4,537 |
| Earnings coverage of net charge-offs (x) | 39.9016% | 1,446 |
| Efficiency ratio | 72.0968% | 1,557 |
| Assets per employee ($millions) | 7.2669% | 1,775 |
| Cash dividends to net income (ytd only)* | 6.2783% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,513 |
| Loan loss allowance to noncurrent loans | 6,821.4286% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 3,734 |
| Noncurrent loans to loans | 0.0172% | 3,659 |
| Net loans and leases to total assets | 67.9100% | 2,050 |
| Net loans and leases to deposits | 86.1957% | 1,548 |
| Net loans and leases to core deposits | 101.6670% | 1,231 |
| Total domestic deposits to total assets | 78.7900% | 3,729 |
| Equity capital to assets | 8.9930% | 2,420 |
| Core capital (leverage) ratio | 9.0639% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3395% | 2,141 |
| Memoranda: | ||
| Average total assets | $355,446,500 | 2,182 |
| Average earning assets | $334,198,000 | 2,167 |
| Average equity | $31,115,500 | 2,203 |
| Average total loans | $243,183,250 | 2,038 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 3,004 |
| Cost of funding earning assets | 0.9659% | 2,719 |
| Net interest margin | 3.3814% | 2,570 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.4063% | 2,464 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.7668% | 3,171 |
| Return on assets (ROA) | 0.7668% | 3,187 |
| Pretax return on assets | 0.9717% | 2,989 |
| Return on Equity (ROE) | 8.8400% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.0290% | 1,949 |
| Net charge-offs to loans | 0.0107% | 1,802 |
| Credit loss provision to net charge-offs | -1,230.7692% | 4,628 |
| Earnings coverage of net charge-offs (x) | 120.4615% | 845 |
| Efficiency ratio | 73.1849% | 1,441 |
| Assets per employee ($millions) | 7.3955% | 1,669 |
| Cash dividends to net income (ytd only)* | 9.1777% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,705 |
| Loan loss allowance to noncurrent loans | 5,158.1818% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,684 |
| Noncurrent loans to loans | 0.0223% | 3,600 |
| Net loans and leases to total assets | 68.6400% | 1,891 |
| Net loans and leases to deposits | 86.7806% | 1,438 |
| Net loans and leases to core deposits | 101.3628% | 1,165 |
| Total domestic deposits to total assets | 79.1000% | 3,708 |
| Equity capital to assets | 8.8434% | 2,628 |
| Core capital (leverage) ratio | 8.7052% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0837% | 2,267 |
| Memoranda: | ||
| Average total assets | $355,236,000 | 2,182 |
| Average earning assets | $332,763,667 | 2,176 |
| Average equity | $30,813,333 | 2,230 |
| Average total loans | $242,682,000 | 2,036 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,005 |
| Cost of funding earning assets | 0.7105% | 3,025 |
| Net interest margin | 3.5053% | 2,351 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.3210% | 2,761 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.8724% | 2,949 |
| Return on assets (ROA) | 0.8724% | 2,903 |
| Pretax return on assets | 1.1042% | 2,695 |
| Return on Equity (ROE) | 10.1600% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.8285% | 1,736 |
| Net charge-offs to loans | 0.0150% | 1,399 |
| Credit loss provision to net charge-offs | 1,611.1111% | 246 |
| Earnings coverage of net charge-offs (x) | 125.1111% | 687 |
| Efficiency ratio | 64.6801% | 2,369 |
| Assets per employee ($millions) | 7.4606% | 1,647 |
| Cash dividends to net income (ytd only)* | 3.2258% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,139 |
| Loan loss allowance to noncurrent loans | 8,278.9474% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,653 |
| Noncurrent loans to loans | 0.0154% | 3,693 |
| Net loans and leases to total assets | 67.8900% | 1,849 |
| Net loans and leases to deposits | 81.0937% | 1,739 |
| Net loans and leases to core deposits | 92.9944% | 1,454 |
| Total domestic deposits to total assets | 83.7200% | 3,150 |
| Equity capital to assets | 8.6290% | 2,802 |
| Core capital (leverage) ratio | 8.8584% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0041% | 2,385 |
| Memoranda: | ||
| Average total assets | $355,361,000 | 2,212 |
| Average earning assets | $331,037,000 | 2,209 |
| Average equity | $30,523,500 | 2,272 |
| Average total loans | $240,774,500 | 2,065 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 3,047 |
| Cost of funding earning assets | 0.2046% | 3,215 |
| Net interest margin | 3.1468% | 2,785 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.3098% | 2,602 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.6794% | 3,623 |
| Return on assets (ROA) | 0.6794% | 3,584 |
| Pretax return on assets | 0.8588% | 3,454 |
| Return on Equity (ROE) | 7.9800% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.5161% | 2,182 |
| Net charge-offs to loans | 0.1542% | 422 |
| Credit loss provision to net charge-offs | 134.7107% | 1,165 |
| Earnings coverage of net charge-offs (x) | 10.3058% | 1,991 |
| Efficiency ratio | 70.0420% | 1,757 |
| Assets per employee ($millions) | 6.7919% | 2,102 |
| Cash dividends to net income (ytd only)* | 5.8309% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,035 |
| Loan loss allowance to noncurrent loans | 447.9005% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,341 |
| Noncurrent loans to loans | 0.2898% | 2,205 |
| Net loans and leases to total assets | 64.4900% | 2,037 |
| Net loans and leases to deposits | 71.1374% | 2,272 |
| Net loans and leases to core deposits | 74.6537% | 2,302 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 8.7024% | 2,404 |
| Core capital (leverage) ratio | 8.7930% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3974% | 2,312 |
| Memoranda: | ||
| Average total assets | $336,586,000 | 2,291 |
| Average earning assets | $318,704,750 | 2,259 |
| Average equity | $28,648,750 | 2,426 |
| Average total loans | $209,198,750 | 2,175 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1973% | 3,057 |
| Cost of funding earning assets | 0.2123% | 2,750 |
| Net interest margin | 2.9850% | 2,928 |
| Noninterest income to average assets | 0.3135% | 3,290 |
| Noninterest expense to average assets | 2.3082% | 2,527 |
| Loan and lease loss provision to assets | 0.1138% | 882 |
| Net operating income to assets | 0.5608% | 3,730 |
| Return on assets (ROA) | 0.5608% | 3,682 |
| Pretax return on assets | 0.7152% | 3,539 |
| Return on Equity (ROE) | 6.6391% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.9335% | 2,354 |
| Net charge-offs to loans | 0.1961% | 330 |
| Credit loss provision to net charge-offs | 95.0249% | 1,322 |
| Earnings coverage of net charge-offs (x) | 6.9204% | 1,875 |
| Efficiency ratio | 73.5752% | 1,564 |
| Assets per employee ($millions) | 7.0120% | 1,930 |
| Cash dividends to net income (ytd only)* | 10.6270% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,278 |
| Loan loss allowance to noncurrent loans | 435.3125% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,391 |
| Noncurrent loans to loans | 0.2941% | 2,293 |
| Net loans and leases to total assets | 63.8343% | 1,929 |
| Net loans and leases to deposits | 70.2936% | 2,177 |
| Net loans and leases to core deposits | 74.0983% | 2,163 |
| Total domestic deposits to total assets | 90.8110% | 1,332 |
| Equity capital to assets | 8.5541% | 2,720 |
| Core capital (leverage) ratio | 8.5839% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2944% | 2,374 |
| Memoranda: | ||
| Average total assets | $335,582,333 | 2,304 |
| Average earning assets | $317,456,333 | 2,286 |
| Average equity | $28,347,333 | 2,503 |
| Average total loans | $204,972,333 | 2,202 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0051% | 3,242 |
| Cost of funding earning assets | 0.2400% | 2,265 |
| Net interest margin | 2.7652% | 3,240 |
| Noninterest income to average assets | 0.2829% | 3,436 |
| Noninterest expense to average assets | 2.1296% | 3,047 |
| Loan and lease loss provision to assets | 0.1074% | 784 |
| Net operating income to assets | 0.5324% | 3,620 |
| Return on assets (ROA) | 0.5324% | 3,589 |
| Pretax return on assets | 0.6733% | 3,469 |
| Return on Equity (ROE) | 6.3430% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.9208% | 2,612 |
| Net charge-offs to loans | 0.1651% | 358 |
| Credit loss provision to net charge-offs | 109.7561% | 965 |
| Earnings coverage of net charge-offs (x) | 7.9756% | 1,525 |
| Efficiency ratio | 73.1747% | 1,838 |
| Assets per employee ($millions) | 7.2458% | 1,824 |
| Cash dividends to net income (ytd only)* | 22.4215% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 2,135 |
| Loan loss allowance to noncurrent loans | 147.5013% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 1,028 |
| Noncurrent loans to loans | 0.9119% | 1,008 |
| Net loans and leases to total assets | 60.3891% | 2,023 |
| Net loans and leases to deposits | 66.5440% | 2,292 |
| Net loans and leases to core deposits | 68.6219% | 2,401 |
| Total domestic deposits to total assets | 90.7506% | 1,158 |
| Equity capital to assets | 8.3109% | 3,316 |
| Core capital (leverage) ratio | 8.5117% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3914% | 2,447 |
| Memoranda: | ||
| Average total assets | $335,085,500 | 2,321 |
| Average earning assets | $318,388,500 | 2,295 |
| Average equity | $28,125,500 | 2,597 |
| Average total loans | $198,640,000 | 2,239 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6513% | 4,356 |
| Cost of funding earning assets | 0.3480% | 1,953 |
| Net interest margin | 2.3033% | 4,408 |
| Noninterest income to average assets | 0.3391% | 3,385 |
| Noninterest expense to average assets | 2.0417% | 3,548 |
| Loan and lease loss provision to assets | 0.0516% | 2,022 |
| Net operating income to assets | 0.3919% | 4,285 |
| Return on assets (ROA) | 0.3919% | 4,316 |
| Pretax return on assets | 0.4584% | 4,314 |
| Return on Equity (ROE) | 4.9965% | 3,999 |
| Retained earnings to average equity (ytd only) | 4.9965% | 2,781 |
| Net charge-offs to loans | 0.0516% | 1,297 |
| Credit loss provision to net charge-offs | 209.3023% | 1,284 |
| Earnings coverage of net charge-offs (x) | 20.6860% | 1,847 |
| Efficiency ratio | 80.0135% | 805 |
| Assets per employee ($millions) | 7.1656% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,635 |
| Loan loss allowance to noncurrent loans | 265.9372% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 1,880 |
| Noncurrent loans to loans | 0.5566% | 1,733 |
| Net loans and leases to total assets | 56.4362% | 2,550 |
| Net loans and leases to deposits | 62.2904% | 2,853 |
| Net loans and leases to core deposits | 65.3599% | 2,876 |
| Total domestic deposits to total assets | 90.6018% | 667 |
| Equity capital to assets | 8.4789% | 4,060 |
| Core capital (leverage) ratio | 7.7046% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8706% | 2,287 |
| Memoranda: | ||
| Average total assets | $348,835,000 | 2,203 |
| Average earning assets | $335,083,400 | 2,162 |
| Average equity | $27,359,200 | 2,693 |
| Average total loans | $166,650,000 | 2,495 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5795% | 4,515 |
| Cost of funding earning assets | 0.3668% | 1,968 |
| Net interest margin | 2.2127% | 4,560 |
| Noninterest income to average assets | 0.3246% | 3,483 |
| Noninterest expense to average assets | 1.9492% | 3,816 |
| Loan and lease loss provision to assets | 0.0452% | 2,093 |
| Net operating income to assets | 0.3642% | 4,426 |
| Return on assets (ROA) | 0.3642% | 4,456 |
| Pretax return on assets | 0.4611% | 4,419 |
| Return on Equity (ROE) | 4.7331% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.7331% | 3,318 |
| Net charge-offs to loans | 0.0050% | 2,153 |
| Credit loss provision to net charge-offs | 2,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 223.8333% | 520 |
| Efficiency ratio | 79.3797% | 786 |
| Assets per employee ($millions) | 7.9998% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 1,153 |
| Loan loss allowance to noncurrent loans | 375.4667% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 2,741 |
| Noncurrent loans to loans | 0.4467% | 2,220 |
| Net loans and leases to total assets | 45.8566% | 3,807 |
| Net loans and leases to deposits | 50.2400% | 4,000 |
| Net loans and leases to core deposits | 58.6081% | 3,578 |
| Total domestic deposits to total assets | 91.2750% | 291 |
| Equity capital to assets | 7.6644% | 4,664 |
| Core capital (leverage) ratio | 7.4589% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7775% | 1,692 |
| Memoranda: | ||
| Average total assets | $353,639,250 | 2,195 |
| Average earning assets | $340,578,500 | 2,146 |
| Average equity | $27,212,000 | 2,730 |
| Average total loans | $161,107,750 | 2,569 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6323% | 4,520 |
| Cost of funding earning assets | 0.4011% | 1,876 |
| Net interest margin | 2.2312% | 4,576 |
| Noninterest income to average assets | 0.3482% | 3,368 |
| Noninterest expense to average assets | 1.9225% | 3,914 |
| Loan and lease loss provision to assets | 0.0455% | 2,101 |
| Net operating income to assets | 0.4233% | 4,341 |
| Return on assets (ROA) | 0.4233% | 4,385 |
| Pretax return on assets | 0.5354% | 4,328 |
| Return on Equity (ROE) | 5.4937% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.4937% | 3,000 |
| Net charge-offs to loans | 0.0088% | 1,808 |
| Credit loss provision to net charge-offs | 1,142.8571% | 436 |
| Earnings coverage of net charge-offs (x) | 145.8571% | 597 |
| Efficiency ratio | 76.7955% | 1,008 |
| Assets per employee ($millions) | 8.8029% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 1,066 |
| Loan loss allowance to noncurrent loans | 251.6772% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 2,384 |
| Noncurrent loans to loans | 0.6741% | 1,739 |
| Net loans and leases to total assets | 44.5651% | 4,008 |
| Net loans and leases to deposits | 48.7607% | 4,175 |
| Net loans and leases to core deposits | 57.3836% | 3,805 |
| Total domestic deposits to total assets | 91.3956% | 257 |
| Equity capital to assets | 7.6036% | 4,704 |
| Core capital (leverage) ratio | 7.4423% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7700% | 1,177 |
| Memoranda: | ||
| Average total assets | $351,522,333 | 2,201 |
| Average earning assets | $339,552,333 | 2,139 |
| Average equity | $27,085,667 | 2,730 |
| Average total loans | $158,845,333 | 2,609 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6467% | 4,532 |
| Cost of funding earning assets | 0.4477% | 1,740 |
| Net interest margin | 2.1990% | 4,612 |
| Noninterest income to average assets | 0.4417% | 2,864 |
| Noninterest expense to average assets | 1.9260% | 3,924 |
| Loan and lease loss provision to assets | 0.0692% | 1,770 |
| Net operating income to assets | 0.4533% | 4,265 |
| Return on assets (ROA) | 0.4533% | 4,301 |
| Pretax return on assets | 0.5709% | 4,239 |
| Return on Equity (ROE) | 5.8423% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.8423% | 2,947 |
| Net charge-offs to loans | 0.0153% | 1,438 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 642 |
| Efficiency ratio | 75.0562% | 1,215 |
| Assets per employee ($millions) | 8.6896% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 930 |
| Loan loss allowance to noncurrent loans | 425.9660% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 3,265 |
| Noncurrent loans to loans | 0.4124% | 2,623 |
| Net loans and leases to total assets | 43.2601% | 4,161 |
| Net loans and leases to deposits | 47.3349% | 4,291 |
| Net loans and leases to core deposits | 56.4055% | 3,949 |
| Total domestic deposits to total assets | 91.3914% | 262 |
| Equity capital to assets | 7.6079% | 4,673 |
| Core capital (leverage) ratio | 7.5029% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5599% | 1,152 |
| Memoranda: | ||
| Average total assets | $346,824,000 | 2,206 |
| Average earning assets | $335,057,000 | 2,150 |
| Average equity | $26,907,000 | 2,736 |
| Average total loans | $156,458,000 | 2,631 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7744% | 3,376 |
| Cost of funding earning assets | 0.6796% | 1,824 |
| Net interest margin | 3.0948% | 3,642 |
| Noninterest income to average assets | 0.3287% | 3,488 |
| Noninterest expense to average assets | 2.5863% | 2,596 |
| Loan and lease loss provision to assets | 0.2099% | 1,871 |
| Net operating income to assets | 0.3881% | 4,272 |
| Return on assets (ROA) | 0.3881% | 4,352 |
| Pretax return on assets | 0.4960% | 4,279 |
| Return on Equity (ROE) | 3.7843% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.7843% | 2,925 |
| Net charge-offs to loans | 0.0158% | 2,785 |
| Credit loss provision to net charge-offs | 2,148.0000% | 418 |
| Earnings coverage of net charge-offs (x) | 72.2400% | 954 |
| Efficiency ratio | 78.5587% | 992 |
| Assets per employee ($millions) | 7.3342% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 980 |
| Loan loss allowance to noncurrent loans | 1,509.4972% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,074 |
| Noncurrent loans to loans | 0.1147% | 3,829 |
| Net loans and leases to total assets | 45.4491% | 4,166 |
| Net loans and leases to deposits | 49.7340% | 4,327 |
| Net loans and leases to core deposits | 59.7470% | 3,961 |
| Total domestic deposits to total assets | 91.3844% | 148 |
| Equity capital to assets | 7.9167% | 4,743 |
| Core capital (leverage) ratio | 8.7770% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8854% | 1,077 |
| Memoranda: | ||
| Average total assets | $255,843,800 | 2,542 |
| Average earning assets | $244,991,600 | 2,491 |
| Average equity | $26,240,000 | 2,730 |
| Average total loans | $157,763,200 | 2,579 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 2,327 |
| Cost of funding earning assets | 0.7556% | 1,702 |
| Net interest margin | 3.4688% | 2,695 |
| Noninterest income to average assets | 0.3641% | 3,279 |
| Noninterest expense to average assets | 2.8126% | 1,936 |
| Loan and lease loss provision to assets | 0.2408% | 1,684 |
| Net operating income to assets | 0.4779% | 4,091 |
| Return on assets (ROA) | 0.4779% | 4,169 |
| Pretax return on assets | 0.6229% | 4,067 |
| Return on Equity (ROE) | 4.3078% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.3078% | 2,894 |
| Net charge-offs to loans | 0.0169% | 2,533 |
| Credit loss provision to net charge-offs | 2,125.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 76.2500% | 950 |
| Efficiency ratio | 76.5096% | 1,160 |
| Assets per employee ($millions) | 5.7970% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,190 |
| Loan loss allowance to noncurrent loans | 1,113.7339% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 3,982 |
| Noncurrent loans to loans | 0.1407% | 3,820 |
| Net loans and leases to total assets | 62.5083% | 2,945 |
| Net loans and leases to deposits | 69.9965% | 3,317 |
| Net loans and leases to core deposits | 81.4157% | 2,707 |
| Total domestic deposits to total assets | 89.3020% | 649 |
| Equity capital to assets | 10.1839% | 3,081 |
| Core capital (leverage) ratio | 10.2066% | 2,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0931% | 902 |
| Memoranda: | ||
| Average total assets | $235,461,000 | 2,668 |
| Average earning assets | $224,817,250 | 2,612 |
| Average equity | $26,122,750 | 2,725 |
| Average total loans | $158,195,000 | 2,589 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 1,790 |
| Cost of funding earning assets | 0.8179% | 1,745 |
| Net interest margin | 3.7273% | 2,062 |
| Noninterest income to average assets | 0.4238% | 2,950 |
| Noninterest expense to average assets | 2.8679% | 1,919 |
| Loan and lease loss provision to assets | 0.3084% | 1,398 |
| Net operating income to assets | 0.5974% | 3,748 |
| Return on assets (ROA) | 0.5974% | 3,824 |
| Pretax return on assets | 0.8009% | 3,582 |
| Return on Equity (ROE) | 5.2204% | 3,769 |
| Retained earnings to average equity (ytd only) | 5.2204% | 2,380 |
| Net charge-offs to loans | 0.0206% | 2,313 |
| Credit loss provision to net charge-offs | 2,187.5000% | 447 |
| Earnings coverage of net charge-offs (x) | 78.6875% | 817 |
| Efficiency ratio | 72.1090% | 1,666 |
| Assets per employee ($millions) | 5.1652% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,281 |
| Loan loss allowance to noncurrent loans | 1,494.0828% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 4,196 |
| Noncurrent loans to loans | 0.1000% | 4,053 |
| Net loans and leases to total assets | 65.7825% | 2,658 |
| Net loans and leases to deposits | 73.8174% | 3,093 |
| Net loans and leases to core deposits | 86.0905% | 2,427 |
| Total domestic deposits to total assets | 89.1152% | 708 |
| Equity capital to assets | 10.4368% | 2,804 |
| Core capital (leverage) ratio | 10.9963% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9866% | 908 |
| Memoranda: | ||
| Average total assets | $226,993,667 | 2,704 |
| Average earning assets | $216,405,333 | 2,664 |
| Average equity | $25,975,000 | 2,719 |
| Average total loans | $155,708,000 | 2,606 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,322 |
| Cost of funding earning assets | 0.9536% | 1,635 |
| Net interest margin | 3.5413% | 2,843 |
| Noninterest income to average assets | 0.2879% | 3,798 |
| Noninterest expense to average assets | 3.1691% | 1,491 |
| Loan and lease loss provision to assets | 0.1402% | 1,984 |
| Net operating income to assets | 0.2767% | 4,397 |
| Return on assets (ROA) | 0.2767% | 4,420 |
| Pretax return on assets | 0.3459% | 4,385 |
| Return on Equity (ROE) | 2.2986% | 4,383 |
| Retained earnings to average equity (ytd only) | 2.2986% | 3,332 |
| Net charge-offs to loans | 0.0054% | 2,382 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 480 |
| Efficiency ratio | 86.7008% | 655 |
| Assets per employee ($millions) | 4.6051% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,323 |
| Loan loss allowance to noncurrent loans | 1,871.0744% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,306 |
| Noncurrent loans to loans | 0.0805% | 4,191 |
| Net loans and leases to total assets | 69.9150% | 2,266 |
| Net loans and leases to deposits | 80.2313% | 2,654 |
| Net loans and leases to core deposits | 89.1338% | 2,432 |
| Total domestic deposits to total assets | 87.1418% | 1,497 |
| Equity capital to assets | 12.2205% | 1,905 |
| Core capital (leverage) ratio | 11.9882% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1901% | 1,118 |
| Memoranda: | ||
| Average total assets | $213,942,500 | 2,759 |
| Average earning assets | $203,430,500 | 2,720 |
| Average equity | $25,755,000 | 2,725 |
| Average total loans | $149,053,000 | 2,649 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 2,604 |
| Cost of funding earning assets | 0.9031% | 2,176 |
| Net interest margin | 3.7000% | 2,819 |
| Noninterest income to average assets | 0.4006% | 3,292 |
| Noninterest expense to average assets | 3.1097% | 1,734 |
| Loan and lease loss provision to assets | 0.1501% | 1,421 |
| Net operating income to assets | 0.5297% | 4,336 |
| Return on assets (ROA) | 0.5297% | 4,385 |
| Pretax return on assets | 0.6350% | 4,361 |
| Return on Equity (ROE) | 4.3736% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.9713% | 2,975 |
| Net charge-offs to loans | 0.0602% | 2,243 |
| Credit loss provision to net charge-offs | 366.6667% | 762 |
| Earnings coverage of net charge-offs (x) | 19.1786% | 2,015 |
| Efficiency ratio | 79.8423% | 957 |
| Assets per employee ($millions) | 5.1441% | 2,403 |
| Cash dividends to net income (ytd only)* | 9.1996% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,277 |
| Loan loss allowance to noncurrent loans | 1,855.9322% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,357 |
| Noncurrent loans to loans | 0.0799% | 4,203 |
| Net loans and leases to total assets | 67.3676% | 2,774 |
| Net loans and leases to deposits | 76.7680% | 3,111 |
| Net loans and leases to core deposits | 84.8925% | 2,879 |
| Total domestic deposits to total assets | 87.7548% | 1,249 |
| Equity capital to assets | 11.8596% | 2,233 |
| Core capital (leverage) ratio | 11.9432% | 1,815 |
| Tier 1 risk-based capital ratio | 16.7191% | 2,150 |
| Total risk-based capital ratio | 17.9722% | 2,081 |
| Memoranda: | ||
| Average total assets | $205,199,200 | 2,801 |
| Average earning assets | $193,782,000 | 2,762 |
| Average equity | $24,853,600 | 2,724 |
| Average total loans | $139,641,800 | 2,722 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 2,724 |
| Cost of funding earning assets | 0.8804% | 2,316 |
| Net interest margin | 3.7195% | 2,853 |
| Noninterest income to average assets | 0.4003% | 3,318 |
| Noninterest expense to average assets | 3.2660% | 1,340 |
| Loan and lease loss provision to assets | 0.1086% | 1,789 |
| Net operating income to assets | 0.4188% | 4,690 |
| Return on assets (ROA) | 0.4188% | 4,717 |
| Pretax return on assets | 0.5281% | 4,656 |
| Return on Equity (ROE) | 3.4385% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.8979% | 3,936 |
| Net charge-offs to loans | 0.0639% | 1,903 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 14.6511% | 2,238 |
| Efficiency ratio | 83.6848% | 635 |
| Assets per employee ($millions) | 4.5823% | 3,078 |
| Cash dividends to net income (ytd only)* | 15.7232% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,432 |
| Loan loss allowance to noncurrent loans | 1,496.3768% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 4,386 |
| Noncurrent loans to loans | 0.0960% | 4,217 |
| Net loans and leases to total assets | 67.2281% | 2,895 |
| Net loans and leases to deposits | 76.8208% | 3,218 |
| Net loans and leases to core deposits | 85.3255% | 2,964 |
| Total domestic deposits to total assets | 87.5128% | 1,244 |
| Equity capital to assets | 11.9644% | 2,290 |
| Core capital (leverage) ratio | 11.9442% | 1,890 |
| Tier 1 risk-based capital ratio | 17.0616% | 2,062 |
| Total risk-based capital ratio | 18.3153% | 2,015 |
| Memoranda: | ||
| Average total assets | $202,486,000 | 2,843 |
| Average earning assets | $190,666,500 | 2,812 |
| Average equity | $24,661,250 | 2,755 |
| Average total loans | $137,617,500 | 2,773 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 2,867 |
| Cost of funding earning assets | 0.8201% | 2,549 |
| Net interest margin | 3.7246% | 2,862 |
| Noninterest income to average assets | 0.3986% | 3,282 |
| Noninterest expense to average assets | 3.2776% | 1,323 |
| Loan and lease loss provision to assets | 0.1202% | 1,559 |
| Net operating income to assets | 0.3976% | 4,739 |
| Return on assets (ROA) | 0.3976% | 4,758 |
| Pretax return on assets | 0.5027% | 4,698 |
| Return on Equity (ROE) | 3.2441% | 4,739 |
| Retained earnings to average equity (ytd only) | 2.4269% | 3,971 |
| Net charge-offs to loans | 0.0133% | 2,660 |
| Credit loss provision to net charge-offs | 1,333.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 69.1111% | 902 |
| Efficiency ratio | 84.0308% | 649 |
| Assets per employee ($millions) | 4.0937% | 3,741 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,175 |
| Loan loss allowance to noncurrent loans | 1,357.5163% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,389 |
| Noncurrent loans to loans | 0.1130% | 4,168 |
| Net loans and leases to total assets | 65.1359% | 3,216 |
| Net loans and leases to deposits | 74.5089% | 3,478 |
| Net loans and leases to core deposits | 82.3232% | 3,248 |
| Total domestic deposits to total assets | 87.4202% | 1,376 |
| Equity capital to assets | 12.1801% | 2,062 |
| Core capital (leverage) ratio | 12.4775% | 1,546 |
| Tier 1 risk-based capital ratio | 17.8138% | 1,851 |
| Total risk-based capital ratio | 19.0672% | 1,802 |
| Memoranda: | ||
| Average total assets | $199,720,000 | 2,874 |
| Average earning assets | $187,779,000 | 2,847 |
| Average equity | $24,475,330 | 2,768 |
| Average total loans | $135,566,330 | 2,811 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 3,005 |
| Cost of funding earning assets | 0.7338% | 2,866 |
| Net interest margin | 3.7268% | 2,794 |
| Noninterest income to average assets | 0.3610% | 3,439 |
| Noninterest expense to average assets | 3.4922% | 972 |
| Loan and lease loss provision to assets | 0.1014% | 1,731 |
| Net operating income to assets | 0.2312% | 4,984 |
| Return on assets (ROA) | 0.2312% | 4,990 |
| Pretax return on assets | 0.2900% | 4,971 |
| Return on Equity (ROE) | 1.8806% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.8806% | 4,095 |
| Net charge-offs to loans | 0.0295% | 1,870 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 19.3000% | 1,595 |
| Efficiency ratio | 89.9217% | 395 |
| Assets per employee ($millions) | 4.0749% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,379 |
| Loan loss allowance to noncurrent loans | 1,337.3333% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,428 |
| Noncurrent loans to loans | 0.1111% | 4,234 |
| Net loans and leases to total assets | 68.0070% | 2,754 |
| Net loans and leases to deposits | 78.0944% | 3,049 |
| Net loans and leases to core deposits | 87.6047% | 2,730 |
| Total domestic deposits to total assets | 87.0831% | 1,769 |
| Equity capital to assets | 12.5115% | 1,733 |
| Core capital (leverage) ratio | 12.8144% | 1,354 |
| Tier 1 risk-based capital ratio | 17.8473% | 1,833 |
| Total risk-based capital ratio | 19.1012% | 1,791 |
| Memoranda: | ||
| Average total assets | $197,237,000 | 2,928 |
| Average earning assets | $186,434,000 | 2,891 |
| Average equity | $24,247,500 | 2,785 |
| Average total loans | $135,649,000 | 2,846 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 2,492 |
| Cost of funding earning assets | 0.5172% | 3,242 |
| Net interest margin | 3.9722% | 2,081 |
| Noninterest income to average assets | 0.2822% | 4,210 |
| Noninterest expense to average assets | 3.2169% | 1,510 |
| Loan and lease loss provision to assets | 0.1656% | 1,223 |
| Net operating income to assets | 0.5185% | 4,621 |
| Return on assets (ROA) | 0.5185% | 4,622 |
| Pretax return on assets | 0.6565% | 4,524 |
| Return on Equity (ROE) | 4.0110% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.5838% | 3,613 |
| Net charge-offs to loans | 0.0338% | 2,730 |
| Credit loss provision to net charge-offs | 714.2857% | 495 |
| Earnings coverage of net charge-offs (x) | 35.4524% | 1,437 |
| Efficiency ratio | 79.6446% | 989 |
| Assets per employee ($millions) | 4.2314% | 3,570 |
| Cash dividends to net income (ytd only)* | 10.6496% | 3,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,477 |
| Loan loss allowance to noncurrent loans | 1,787.2727% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,570 |
| Noncurrent loans to loans | 0.0807% | 4,387 |
| Net loans and leases to total assets | 67.5324% | 2,940 |
| Net loans and leases to deposits | 77.0423% | 3,275 |
| Net loans and leases to core deposits | 86.0887% | 2,908 |
| Total domestic deposits to total assets | 87.6563% | 1,465 |
| Equity capital to assets | 12.0793% | 1,838 |
| Core capital (leverage) ratio | 12.9716% | 1,264 |
| Tier 1 risk-based capital ratio | 17.2984% | 1,951 |
| Total risk-based capital ratio | 18.5516% | 1,912 |
| Memoranda: | ||
| Average total assets | $181,106,200 | 3,043 |
| Average earning assets | $171,292,200 | 3,009 |
| Average equity | $23,410,800 | 2,780 |
| Average total loans | $124,409,000 | 2,948 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,356 |
| Cost of funding earning assets | 0.4818% | 3,321 |
| Net interest margin | 4.0024% | 1,946 |
| Noninterest income to average assets | 0.2672% | 4,362 |
| Noninterest expense to average assets | 3.2641% | 1,386 |
| Loan and lease loss provision to assets | 0.1751% | 1,051 |
| Net operating income to assets | 0.4868% | 4,784 |
| Return on assets (ROA) | 0.4868% | 4,791 |
| Pretax return on assets | 0.6143% | 4,706 |
| Return on Equity (ROE) | 3.6976% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.1243% | 4,186 |
| Net charge-offs to loans | 0.0143% | 2,914 |
| Credit loss provision to net charge-offs | 1,784.6154% | 239 |
| Earnings coverage of net charge-offs (x) | 80.4749% | 875 |
| Efficiency ratio | 80.5250% | 897 |
| Assets per employee ($millions) | 4.0033% | 3,879 |
| Cash dividends to net income (ytd only)* | 15.5038% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4531% | 1,508 |
| Loan loss allowance to noncurrent loans | 6,882.1429% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,922 |
| Noncurrent loans to loans | 0.0211% | 4,812 |
| Net loans and leases to total assets | 72.5415% | 2,243 |
| Net loans and leases to deposits | 84.7286% | 2,512 |
| Net loans and leases to core deposits | 96.9041% | 2,033 |
| Total domestic deposits to total assets | 85.6163% | 2,351 |
| Equity capital to assets | 12.9938% | 1,344 |
| Core capital (leverage) ratio | 13.4720% | 1,113 |
| Tier 1 risk-based capital ratio | 17.1077% | 2,061 |
| Total risk-based capital ratio | 18.3612% | 1,999 |
| Memoranda: | ||
| Average total assets | $176,663,250 | 3,109 |
| Average earning assets | $167,130,500 | 3,082 |
| Average equity | $23,257,750 | 2,806 |
| Average total loans | $121,443,000 | 3,005 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 2,478 |
| Cost of funding earning assets | 0.4227% | 3,552 |
| Net interest margin | 3.9607% | 2,000 |
| Noninterest income to average assets | 0.2268% | 4,665 |
| Noninterest expense to average assets | 3.2057% | 1,525 |
| Loan and lease loss provision to assets | 0.1880% | 938 |
| Net operating income to assets | 0.4593% | 4,840 |
| Return on assets (ROA) | 0.4593% | 4,842 |
| Pretax return on assets | 0.5812% | 4,762 |
| Return on Equity (ROE) | 3.4730% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.6112% | 4,212 |
| Net charge-offs to loans | 0.0204% | 2,474 |
| Credit loss provision to net charge-offs | 1,375.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 1,037 |
| Efficiency ratio | 80.6479% | 944 |
| Assets per employee ($millions) | 4.0161% | 3,870 |
| Cash dividends to net income (ytd only)* | 24.8139% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,297 |
| Loan loss allowance to noncurrent loans | 16,927.2727% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,016 |
| Noncurrent loans to loans | 0.0090% | 4,916 |
| Net loans and leases to total assets | 69.3387% | 2,672 |
| Net loans and leases to deposits | 80.4103% | 2,906 |
| Net loans and leases to core deposits | 91.2724% | 2,462 |
| Total domestic deposits to total assets | 86.2311% | 2,175 |
| Equity capital to assets | 13.4817% | 1,108 |
| Core capital (leverage) ratio | 13.3200% | 1,128 |
| Tier 1 risk-based capital ratio | 18.0903% | 1,778 |
| Total risk-based capital ratio | 19.3424% | 1,736 |
| Memoranda: | ||
| Average total assets | $175,501,670 | 3,142 |
| Average earning assets | $166,082,000 | 3,108 |
| Average equity | $23,207,670 | 2,821 |
| Average total loans | $117,721,000 | 3,064 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,779 |
| Cost of funding earning assets | 0.3566% | 3,937 |
| Net interest margin | 3.8751% | 2,139 |
| Noninterest income to average assets | 0.1786% | 4,956 |
| Noninterest expense to average assets | 3.1180% | 1,774 |
| Loan and lease loss provision to assets | 0.2035% | 814 |
| Net operating income to assets | 0.4273% | 4,867 |
| Return on assets (ROA) | 0.4273% | 4,875 |
| Pretax return on assets | 0.5427% | 4,805 |
| Return on Equity (ROE) | 3.2628% | 4,961 |
| Retained earnings to average equity (ytd only) | 1.5364% | 4,479 |
| Net charge-offs to loans | 0.0104% | 2,374 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 568 |
| Efficiency ratio | 80.6905% | 1,069 |
| Assets per employee ($millions) | 4.9516% | 2,542 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,289 |
| Loan loss allowance to noncurrent loans | 2,895.1613% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 4,929 |
| Noncurrent loans to loans | 0.0535% | 4,739 |
| Net loans and leases to total assets | 65.8396% | 3,057 |
| Net loans and leases to deposits | 76.1912% | 3,194 |
| Net loans and leases to core deposits | 86.3417% | 2,773 |
| Total domestic deposits to total assets | 86.4136% | 2,355 |
| Equity capital to assets | 13.3221% | 1,105 |
| Core capital (leverage) ratio | 13.3293% | 1,059 |
| Tier 1 risk-based capital ratio | 18.5924% | 1,669 |
| Total risk-based capital ratio | 19.8449% | 1,632 |
| Memoranda: | ||
| Average total assets | $176,906,000 | 3,162 |
| Average earning assets | $168,255,500 | 3,120 |
| Average equity | $23,170,500 | 2,846 |
| Average total loans | $115,779,000 | 3,115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 2,984 |
| Cost of funding earning assets | 0.3685% | 3,532 |
| Net interest margin | 3.7520% | 2,596 |
| Noninterest income to average assets | 0.1380% | 5,261 |
| Noninterest expense to average assets | 2.4997% | 3,786 |
| Loan and lease loss provision to assets | 0.1763% | 1,231 |
| Net operating income to assets | 0.5728% | 4,132 |
| Return on assets (ROA) | 0.5728% | 4,165 |
| Pretax return on assets | 1.0122% | 3,519 |
| Return on Equity (ROE) | 4.4379% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.4379% | 2,492 |
| Net charge-offs to loans | 0.0458% | 2,868 |
| Credit loss provision to net charge-offs | 613.7255% | 523 |
| Earnings coverage of net charge-offs (x) | 41.3725% | 1,233 |
| Efficiency ratio | 67.7764% | 2,937 |
| Assets per employee ($millions) | 4.8785% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,709.0000% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,857 |
| Noncurrent loans to loans | 0.0865% | 4,616 |
| Net loans and leases to total assets | 63.1281% | 3,472 |
| Net loans and leases to deposits | 72.6175% | 3,634 |
| Net loans and leases to core deposits | 81.6454% | 3,275 |
| Total domestic deposits to total assets | 86.9323% | 2,025 |
| Equity capital to assets | 12.8821% | 1,323 |
| Core capital (leverage) ratio | 13.4097% | 1,003 |
| Tier 1 risk-based capital ratio | 18.7254% | 1,581 |
| Total risk-based capital ratio | 19.9795% | 1,536 |
| Memoranda: | ||
| Average total assets | $177,541,200 | 3,151 |
| Average earning assets | $167,990,600 | 3,101 |
| Average equity | $22,916,200 | 2,871 |
| Average total loans | $111,382,600 | 3,158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 2,966 |
| Cost of funding earning assets | 0.3709% | 3,453 |
| Net interest margin | 3.7371% | 2,630 |
| Noninterest income to average assets | 0.1569% | 5,237 |
| Noninterest expense to average assets | 2.5361% | 3,605 |
| Loan and lease loss provision to assets | 0.1508% | 1,386 |
| Net operating income to assets | 0.6207% | 4,312 |
| Return on assets (ROA) | 0.6207% | 4,357 |
| Pretax return on assets | 1.0030% | 3,678 |
| Return on Equity (ROE) | 4.8060% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8060% | 3,016 |
| Net charge-offs to loans | 0.0653% | 2,187 |
| Credit loss provision to net charge-offs | 370.3704% | 827 |
| Earnings coverage of net charge-offs (x) | 28.3326% | 1,612 |
| Efficiency ratio | 68.7308% | 2,751 |
| Assets per employee ($millions) | 5.5024% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,155 |
| Loan loss allowance to noncurrent loans | 509.9359% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,349 |
| Noncurrent loans to loans | 0.2632% | 4,021 |
| Net loans and leases to total assets | 66.4109% | 3,053 |
| Net loans and leases to deposits | 76.8910% | 3,284 |
| Net loans and leases to core deposits | 86.6564% | 2,904 |
| Total domestic deposits to total assets | 86.3702% | 2,148 |
| Equity capital to assets | 13.2873% | 1,258 |
| Core capital (leverage) ratio | 13.3337% | 1,088 |
| Tier 1 risk-based capital ratio | 17.8348% | 1,900 |
| Total risk-based capital ratio | 19.0846% | 1,849 |
| Memoranda: | ||
| Average total assets | $176,800,000 | 3,187 |
| Average earning assets | $167,146,750 | 3,139 |
| Average equity | $22,832,000 | 2,895 |
| Average total loans | $110,313,500 | 3,201 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,165 |
| Cost of funding earning assets | 0.3744% | 3,347 |
| Net interest margin | 3.6391% | 2,882 |
| Noninterest income to average assets | 0.1695% | 5,207 |
| Noninterest expense to average assets | 2.4785% | 3,819 |
| Loan and lease loss provision to assets | 0.1502% | 1,347 |
| Net operating income to assets | 0.6157% | 4,233 |
| Return on assets (ROA) | 0.6157% | 4,279 |
| Pretax return on assets | 0.9885% | 3,611 |
| Return on Equity (ROE) | 4.8136% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.8136% | 2,838 |
| Net charge-offs to loans | 0.0558% | 2,136 |
| Credit loss provision to net charge-offs | 443.3333% | 726 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,384 |
| Efficiency ratio | 68.5197% | 2,918 |
| Assets per employee ($millions) | 6.0984% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,080 |
| Loan loss allowance to noncurrent loans | 1,383.0357% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,941 |
| Noncurrent loans to loans | 0.0992% | 4,732 |
| Net loans and leases to total assets | 65.2088% | 3,229 |
| Net loans and leases to deposits | 75.6754% | 3,379 |
| Net loans and leases to core deposits | 86.1187% | 2,866 |
| Total domestic deposits to total assets | 86.1692% | 2,306 |
| Equity capital to assets | 13.5456% | 1,127 |
| Core capital (leverage) ratio | 13.1304% | 1,126 |
| Tier 1 risk-based capital ratio | 18.2003% | 1,797 |
| Total risk-based capital ratio | 19.4508% | 1,762 |
| Memoranda: | ||
| Average total assets | $177,040,670 | 3,194 |
| Average earning assets | $167,733,670 | 3,138 |
| Average equity | $22,644,000 | 2,917 |
| Average total loans | $107,576,000 | 3,254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7949% | 3,780 |
| Cost of funding earning assets | 0.3771% | 3,230 |
| Net interest margin | 3.4178% | 3,585 |
| Noninterest income to average assets | 0.1621% | 5,307 |
| Noninterest expense to average assets | 2.5618% | 3,615 |
| Loan and lease loss provision to assets | 0.1443% | 1,295 |
| Net operating income to assets | 0.4307% | 4,857 |
| Return on assets (ROA) | 0.4307% | 4,877 |
| Pretax return on assets | 0.6948% | 4,468 |
| Return on Equity (ROE) | 3.4641% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,706 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3264% | 2,014 |
| Assets per employee ($millions) | 6.1716% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 2,003 |
| Loan loss allowance to noncurrent loans | 1,777.6471% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 5,114 |
| Noncurrent loans to loans | 0.0798% | 4,878 |
| Net loans and leases to total assets | 58.6870% | 3,916 |
| Net loans and leases to deposits | 67.3841% | 4,053 |
| Net loans and leases to core deposits | 76.3380% | 3,622 |
| Total domestic deposits to total assets | 87.0932% | 2,168 |
| Equity capital to assets | 12.6213% | 1,454 |
| Core capital (leverage) ratio | 12.2150% | 1,497 |
| Tier 1 risk-based capital ratio | 17.5168% | 2,028 |
| Total risk-based capital ratio | 18.7696% | 1,979 |
| Memoranda: | ||
| Average total assets | $180,183,000 | 3,185 |
| Average earning assets | $170,754,500 | 3,125 |
| Average equity | $22,401,000 | 2,951 |
| Average total loans | $104,915,500 | 3,324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 3,695 |
| Cost of funding earning assets | 0.3890% | 3,113 |
| Net interest margin | 3.4762% | 3,520 |
| Noninterest income to average assets | 0.1762% | 5,343 |
| Noninterest expense to average assets | 2.4932% | 4,033 |
| Loan and lease loss provision to assets | 0.1356% | 1,842 |
| Net operating income to assets | 0.5207% | 4,549 |
| Return on assets (ROA) | 0.5207% | 4,633 |
| Pretax return on assets | 0.8367% | 4,061 |
| Return on Equity (ROE) | 3.8583% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,176 |
| Net charge-offs to loans | 0.0052% | 4,072 |
| Credit loss provision to net charge-offs | 4,480.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 321.2000% | 240 |
| Efficiency ratio | 71.9427% | 2,596 |
| Assets per employee ($millions) | 6.0464% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 2,079 |
| Loan loss allowance to noncurrent loans | 876.3636% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,965 |
| Noncurrent loans to loans | 0.1598% | 4,596 |
| Net loans and leases to total assets | 56.1434% | 4,255 |
| Net loans and leases to deposits | 64.1497% | 4,405 |
| Net loans and leases to core deposits | 72.4936% | 4,053 |
| Total domestic deposits to total assets | 87.5192% | 1,865 |
| Equity capital to assets | 12.2459% | 1,657 |
| Core capital (leverage) ratio | 12.9109% | 1,169 |
| Tier 1 risk-based capital ratio | 18.8076% | 1,654 |
| Total risk-based capital ratio | 20.0613% | 1,615 |
| Memoranda: | ||
| Average total assets | $165,169,000 | 3,344 |
| Average earning assets | $156,293,600 | 3,289 |
| Average equity | $22,289,600 | 2,965 |
| Average total loans | $96,176,200 | 3,459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,603 |
| Cost of funding earning assets | 0.3929% | 3,095 |
| Net interest margin | 3.5025% | 3,459 |
| Noninterest income to average assets | 0.1746% | 5,401 |
| Noninterest expense to average assets | 2.5985% | 3,667 |
| Loan and lease loss provision to assets | 0.1357% | 1,731 |
| Net operating income to assets | 0.4684% | 4,808 |
| Return on assets (ROA) | 0.4684% | 4,885 |
| Pretax return on assets | 0.7531% | 4,464 |
| Return on Equity (ROE) | 3.3828% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.3828% | 3,874 |
| Net charge-offs to loans | 0.0014% | 3,895 |
| Credit loss provision to net charge-offs | 16,400.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,076.6617% | 68 |
| Efficiency ratio | 74.5135% | 2,189 |
| Assets per employee ($millions) | 5.7544% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 2,124 |
| Loan loss allowance to noncurrent loans | 1,275.2294% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 5,182 |
| Noncurrent loans to loans | 0.1111% | 4,892 |
| Net loans and leases to total assets | 57.9391% | 4,099 |
| Net loans and leases to deposits | 67.3027% | 4,221 |
| Net loans and leases to core deposits | 77.2557% | 3,726 |
| Total domestic deposits to total assets | 86.0874% | 2,306 |
| Equity capital to assets | 13.5549% | 1,222 |
| Core capital (leverage) ratio | 13.3446% | 1,049 |
| Tier 1 risk-based capital ratio | 19.1786% | 1,632 |
| Total risk-based capital ratio | 20.4297% | 1,588 |
| Memoranda: | ||
| Average total assets | $161,113,500 | 3,405 |
| Average earning assets | $152,384,000 | 3,360 |
| Average equity | $22,308,750 | 2,986 |
| Average total loans | $94,399,000 | 3,505 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,748 |
| Cost of funding earning assets | 0.3915% | 3,138 |
| Net interest margin | 3.4668% | 3,626 |
| Noninterest income to average assets | 0.1734% | 5,455 |
| Noninterest expense to average assets | 2.6057% | 3,705 |
| Loan and lease loss provision to assets | 0.1407% | 1,617 |
| Net operating income to assets | 0.4410% | 4,899 |
| Return on assets (ROA) | 0.4410% | 4,986 |
| Pretax return on assets | 0.7086% | 4,587 |
| Return on Equity (ROE) | 3.1615% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.1615% | 3,890 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4182% | 2,163 |
| Assets per employee ($millions) | 5.9442% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 2,292 |
| Loan loss allowance to noncurrent loans | 1,366.3265% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 5,323 |
| Noncurrent loans to loans | 0.1025% | 5,036 |
| Net loans and leases to total assets | 56.6407% | 4,239 |
| Net loans and leases to deposits | 65.6872% | 4,372 |
| Net loans and leases to core deposits | 74.9211% | 3,916 |
| Total domestic deposits to total assets | 86.2278% | 2,311 |
| Equity capital to assets | 13.4706% | 1,252 |
| Core capital (leverage) ratio | 13.6788% | 914 |
| Tier 1 risk-based capital ratio | 20.0118% | 1,461 |
| Total risk-based capital ratio | 21.2629% | 1,419 |
| Memoranda: | ||
| Average total assets | $159,192,330 | 3,441 |
| Average earning assets | $150,688,330 | 3,399 |
| Average equity | $22,205,000 | 3,005 |
| Average total loans | $93,173,000 | 3,541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,392 |
| Cost of funding earning assets | 0.3880% | 3,213 |
| Net interest margin | 3.5655% | 3,222 |
| Noninterest income to average assets | 0.1671% | 5,491 |
| Noninterest expense to average assets | 2.7743% | 3,172 |
| Loan and lease loss provision to assets | 0.1337% | 1,577 |
| Net operating income to assets | 0.3985% | 4,999 |
| Return on assets (ROA) | 0.3985% | 5,075 |
| Pretax return on assets | 0.6377% | 4,710 |
| Return on Equity (ROE) | 2.8057% | 5,298 |
| Retained earnings to average equity (ytd only) | 2.8057% | 4,114 |
| Net charge-offs to loans | 0.0043% | 2,972 |
| Credit loss provision to net charge-offs | 5,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 202 |
| Efficiency ratio | 78.2451% | 1,860 |
| Assets per employee ($millions) | 5.1956% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,607 |
| Loan loss allowance to noncurrent loans | 1,252.9412% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 5,340 |
| Noncurrent loans to loans | 0.1085% | 5,043 |
| Net loans and leases to total assets | 59.4672% | 3,854 |
| Net loans and leases to deposits | 69.6051% | 3,891 |
| Net loans and leases to core deposits | 77.8785% | 3,502 |
| Total domestic deposits to total assets | 85.4352% | 2,938 |
| Equity capital to assets | 14.2408% | 902 |
| Core capital (leverage) ratio | 14.2851% | 738 |
| Tier 1 risk-based capital ratio | 20.5086% | 1,400 |
| Total risk-based capital ratio | 21.7584% | 1,382 |
| Memoranda: | ||
| Average total assets | $155,570,000 | 3,499 |
| Average earning assets | $147,411,500 | 3,453 |
| Average equity | $22,097,500 | 3,014 |
| Average total loans | $91,954,500 | 3,577 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,842 |
| Cost of funding earning assets | 0.4098% | 3,051 |
| Net interest margin | 3.4513% | 3,713 |
| Noninterest income to average assets | 0.1736% | 5,545 |
| Noninterest expense to average assets | 2.6705% | 3,690 |
| Loan and lease loss provision to assets | 0.1564% | 1,498 |
| Net operating income to assets | 0.3741% | 5,125 |
| Return on assets (ROA) | 0.3741% | 5,215 |
| Pretax return on assets | 0.6022% | 4,831 |
| Return on Equity (ROE) | 2.5005% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.5005% | 4,293 |
| Net charge-offs to loans | 0.0035% | 4,335 |
| Credit loss provision to net charge-offs | 7,566.6667% | 43 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 184 |
| Efficiency ratio | 77.8782% | 1,986 |
| Assets per employee ($millions) | 5.5428% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,588 |
| Loan loss allowance to noncurrent loans | 1,146.7290% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 5,356 |
| Noncurrent loans to loans | 0.1190% | 5,021 |
| Net loans and leases to total assets | 57.1615% | 4,174 |
| Net loans and leases to deposits | 66.7753% | 4,245 |
| Net loans and leases to core deposits | 75.4362% | 3,805 |
| Total domestic deposits to total assets | 85.6028% | 2,818 |
| Equity capital to assets | 14.1452% | 884 |
| Core capital (leverage) ratio | 14.5088% | 710 |
| Tier 1 risk-based capital ratio | 20.1970% | 1,446 |
| Total risk-based capital ratio | 21.3889% | 1,432 |
| Memoranda: | ||
| Average total assets | $145,140,400 | 3,643 |
| Average earning assets | $136,906,800 | 3,581 |
| Average equity | $21,715,600 | 3,003 |
| Average total loans | $85,438,600 | 3,689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 3,899 |
| Cost of funding earning assets | 0.4129% | 3,086 |
| Net interest margin | 3.4452% | 3,768 |
| Noninterest income to average assets | 0.1757% | 5,600 |
| Noninterest expense to average assets | 2.7026% | 3,554 |
| Loan and lease loss provision to assets | 0.1617% | 1,324 |
| Net operating income to assets | 0.3459% | 5,324 |
| Return on assets (ROA) | 0.3459% | 5,412 |
| Pretax return on assets | 0.5562% | 5,081 |
| Return on Equity (ROE) | 2.2780% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.2780% | 4,748 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0107% | 1,804 |
| Assets per employee ($millions) | 5.2531% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 5,453 |
| Noncurrent loans to loans | 0.1298% | 5,113 |
| Net loans and leases to total assets | 57.8661% | 4,159 |
| Net loans and leases to deposits | 68.2580% | 4,166 |
| Net loans and leases to core deposits | 77.7678% | 3,634 |
| Total domestic deposits to total assets | 84.7756% | 3,101 |
| Equity capital to assets | 14.8702% | 773 |
| Core capital (leverage) ratio | 14.4990% | 738 |
| Tier 1 risk-based capital ratio | 21.7678% | 1,230 |
| Total risk-based capital ratio | 22.9993% | 1,204 |
| Memoranda: | ||
| Average total assets | $142,626,250 | 3,710 |
| Average earning assets | $134,328,750 | 3,658 |
| Average equity | $21,656,250 | 3,025 |
| Average total loans | $84,313,250 | 3,746 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,142 |
| Cost of funding earning assets | 0.4080% | 3,186 |
| Net interest margin | 3.3693% | 4,017 |
| Noninterest income to average assets | 0.1700% | 5,685 |
| Noninterest expense to average assets | 2.7703% | 3,350 |
| Loan and lease loss provision to assets | 0.1601% | 1,322 |
| Net operating income to assets | 0.2551% | 5,567 |
| Return on assets (ROA) | 0.2551% | 5,649 |
| Pretax return on assets | 0.4109% | 5,444 |
| Return on Equity (ROE) | 1.6679% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.6679% | 4,863 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9092% | 1,386 |
| Assets per employee ($millions) | 5.2211% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 3,389 |
| Loan loss allowance to noncurrent loans | 945.7627% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,551 |
| Noncurrent loans to loans | 0.1344% | 5,209 |
| Net loans and leases to total assets | 59.2831% | 3,935 |
| Net loans and leases to deposits | 69.8058% | 3,956 |
| Net loans and leases to core deposits | 79.9089% | 3,394 |
| Total domestic deposits to total assets | 84.9258% | 3,146 |
| Equity capital to assets | 14.7999% | 741 |
| Core capital (leverage) ratio | 14.9527% | 624 |
| Tier 1 risk-based capital ratio | 22.2540% | 1,162 |
| Total risk-based capital ratio | 23.4714% | 1,154 |
| Memoranda: | ||
| Average total assets | $141,139,670 | 3,766 |
| Average earning assets | $132,847,330 | 3,711 |
| Average equity | $21,584,330 | 3,042 |
| Average total loans | $83,654,670 | 3,789 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 4,187 |
| Cost of funding earning assets | 0.4027% | 3,273 |
| Net interest margin | 3.3504% | 4,019 |
| Noninterest income to average assets | 0.1674% | 5,724 |
| Noninterest expense to average assets | 2.7154% | 3,532 |
| Loan and lease loss provision to assets | 0.1529% | 1,335 |
| Net operating income to assets | 0.2741% | 5,496 |
| Return on assets (ROA) | 0.2741% | 5,592 |
| Pretax return on assets | 0.4444% | 5,336 |
| Return on Equity (ROE) | 1.7626% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.7626% | 4,768 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9686% | 1,622 |
| Assets per employee ($millions) | 4.9146% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 3,588 |
| Loan loss allowance to noncurrent loans | 865.5738% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,584 |
| Noncurrent loans to loans | 0.1466% | 5,255 |
| Net loans and leases to total assets | 59.7069% | 3,698 |
| Net loans and leases to deposits | 72.3652% | 3,504 |
| Net loans and leases to core deposits | 80.8434% | 3,071 |
| Total domestic deposits to total assets | 82.5077% | 4,353 |
| Equity capital to assets | 15.7410% | 582 |
| Core capital (leverage) ratio | 15.3840% | 551 |
| Tier 1 risk-based capital ratio | 21.6041% | 1,302 |
| Total risk-based capital ratio | 22.7276% | 1,306 |
| Memoranda: | ||
| Average total assets | $138,614,500 | 3,829 |
| Average earning assets | $130,132,000 | 3,773 |
| Average equity | $21,558,500 | 3,072 |
| Average total loans | $81,591,000 | 3,842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,984 |
| Cost of funding earning assets | 0.4470% | 3,198 |
| Net interest margin | 3.4902% | 3,834 |
| Noninterest income to average assets | 0.1631% | 5,880 |
| Noninterest expense to average assets | 2.6362% | 4,102 |
| Loan and lease loss provision to assets | 0.1990% | 1,278 |
| Net operating income to assets | 0.3566% | 5,361 |
| Return on assets (ROA) | 0.3566% | 5,434 |
| Pretax return on assets | 0.5939% | 4,964 |
| Return on Equity (ROE) | 2.2024% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.2024% | 4,679 |
| Net charge-offs to loans | 0.0156% | 4,563 |
| Credit loss provision to net charge-offs | 2,125.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 84.6667% | 600 |
| Efficiency ratio | 76.8776% | 2,377 |
| Assets per employee ($millions) | 4.8145% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 3,701 |
| Loan loss allowance to noncurrent loans | 789.7638% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 5,661 |
| Noncurrent loans to loans | 0.1588% | 5,261 |
| Net loans and leases to total assets | 56.5542% | 4,254 |
| Net loans and leases to deposits | 68.1521% | 4,113 |
| Net loans and leases to core deposits | 74.8346% | 3,840 |
| Total domestic deposits to total assets | 82.9824% | 4,083 |
| Equity capital to assets | 15.3674% | 639 |
| Core capital (leverage) ratio | 15.8725% | 481 |
| Tier 1 risk-based capital ratio | 24.0671% | 944 |
| Total risk-based capital ratio | 25.2593% | 933 |
| Memoranda: | ||
| Average total assets | $128,138,200 | 4,012 |
| Average earning assets | $119,906,400 | 3,968 |
| Average equity | $20,750,200 | 3,076 |
| Average total loans | $76,727,600 | 3,980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 3,921 |
| Cost of funding earning assets | 0.4634% | 3,118 |
| Net interest margin | 3.4979% | 3,837 |
| Noninterest income to average assets | 0.1618% | 5,944 |
| Noninterest expense to average assets | 2.5960% | 4,211 |
| Loan and lease loss provision to assets | 0.2075% | 1,126 |
| Net operating income to assets | 0.3778% | 5,329 |
| Return on assets (ROA) | 0.3778% | 5,407 |
| Pretax return on assets | 0.6280% | 4,935 |
| Return on Equity (ROE) | 2.3006% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.3006% | 4,904 |
| Net charge-offs to loans | 0.0193% | 4,146 |
| Credit loss provision to net charge-offs | 1,772.7273% | 204 |
| Earnings coverage of net charge-offs (x) | 71.3456% | 766 |
| Efficiency ratio | 75.6514% | 2,546 |
| Assets per employee ($millions) | 4.5318% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 4,519 |
| Loan loss allowance to noncurrent loans | 773.7705% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 5,778 |
| Noncurrent loans to loans | 0.1482% | 5,473 |
| Net loans and leases to total assets | 64.1448% | 3,157 |
| Net loans and leases to deposits | 78.8007% | 2,863 |
| Net loans and leases to core deposits | 87.5750% | 2,473 |
| Total domestic deposits to total assets | 81.4014% | 4,699 |
| Equity capital to assets | 16.6481% | 474 |
| Core capital (leverage) ratio | 16.1961% | 455 |
| Tier 1 risk-based capital ratio | 22.9167% | 1,125 |
| Total risk-based capital ratio | 24.0075% | 1,127 |
| Memoranda: | ||
| Average total assets | $125,267,750 | 4,116 |
| Average earning assets | $117,095,000 | 4,057 |
| Average equity | $20,573,750 | 3,108 |
| Average total loans | $75,918,500 | 4,035 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 4,355 |
| Cost of funding earning assets | 0.4823% | 3,003 |
| Net interest margin | 3.3606% | 4,349 |
| Noninterest income to average assets | 0.1555% | 6,014 |
| Noninterest expense to average assets | 2.5432% | 4,444 |
| Loan and lease loss provision to assets | 0.2165% | 1,087 |
| Net operating income to assets | 0.3191% | 5,499 |
| Return on assets (ROA) | 0.3191% | 5,580 |
| Pretax return on assets | 0.5468% | 5,141 |
| Return on Equity (ROE) | 1.9519% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.9519% | 4,902 |
| Net charge-offs to loans | 0.0163% | 3,899 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 667 |
| Efficiency ratio | 76.9156% | 2,468 |
| Assets per employee ($millions) | 5.8791% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 4,622 |
| Loan loss allowance to noncurrent loans | 673.4848% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 5,840 |
| Noncurrent loans to loans | 0.1722% | 5,492 |
| Net loans and leases to total assets | 61.3667% | 3,511 |
| Net loans and leases to deposits | 75.6566% | 3,104 |
| Net loans and leases to core deposits | 85.5965% | 2,555 |
| Total domestic deposits to total assets | 81.1123% | 4,944 |
| Equity capital to assets | 16.9600% | 420 |
| Core capital (leverage) ratio | 16.1092% | 463 |
| Tier 1 risk-based capital ratio | 23.9026% | 999 |
| Total risk-based capital ratio | 24.9911% | 995 |
| Memoranda: | ||
| Average total assets | $124,726,670 | 4,140 |
| Average earning assets | $116,943,330 | 4,084 |
| Average equity | $20,390,000 | 3,129 |
| Average total loans | $73,778,670 | 4,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,787 |
| Cost of funding earning assets | 0.4906% | 3,006 |
| Net interest margin | 3.2265% | 4,831 |
| Noninterest income to average assets | 0.1436% | 6,112 |
| Noninterest expense to average assets | 2.4537% | 4,778 |
| Loan and lease loss provision to assets | 0.2393% | 924 |
| Net operating income to assets | 0.2776% | 5,574 |
| Return on assets (ROA) | 0.2776% | 5,619 |
| Pretax return on assets | 0.4722% | 5,254 |
| Return on Equity (ROE) | 1.7300% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.7300% | 4,920 |
| Net charge-offs to loans | 0.0111% | 3,402 |
| Credit loss provision to net charge-offs | 3,750.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 421 |
| Efficiency ratio | 77.5202% | 2,550 |
| Assets per employee ($millions) | 5.8118% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 4,951 |
| Loan loss allowance to noncurrent loans | 641.5385% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 5,943 |
| Noncurrent loans to loans | 0.1771% | 5,564 |
| Net loans and leases to total assets | 56.7691% | 4,036 |
| Net loans and leases to deposits | 69.1800% | 3,713 |
| Net loans and leases to core deposits | 81.9873% | 2,736 |
| Total domestic deposits to total assets | 82.0601% | 4,925 |
| Equity capital to assets | 16.0942% | 514 |
| Core capital (leverage) ratio | 16.1132% | 468 |
| Tier 1 risk-based capital ratio | 24.7073% | 918 |
| Total risk-based capital ratio | 25.7843% | 920 |
| Memoranda: | ||
| Average total assets | $125,359,500 | 4,157 |
| Average earning assets | $117,404,000 | 4,106 |
| Average equity | $20,115,500 | 3,164 |
| Average total loans | $72,341,500 | 4,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 5,002 |
| Cost of funding earning assets | 0.5348% | 3,250 |
| Net interest margin | 3.2059% | 4,981 |
| Noninterest income to average assets | 0.1343% | 6,261 |
| Noninterest expense to average assets | 2.4142% | 5,039 |
| Loan and lease loss provision to assets | 0.2775% | 1,256 |
| Net operating income to assets | 0.2439% | 5,707 |
| Return on assets (ROA) | 0.2439% | 5,773 |
| Pretax return on assets | 0.4038% | 5,487 |
| Return on Equity (ROE) | 1.6922% | 5,934 |
| Retained earnings to average equity (ytd only) | 1.6922% | 5,026 |
| Net charge-offs to loans | 0.0015% | 5,453 |
| Credit loss provision to net charge-offs | 31,400.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 771.0000% | 51 |
| Efficiency ratio | 77.9903% | 2,467 |
| Assets per employee ($millions) | 5.8504% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,292 |
| Loan loss allowance to noncurrent loans | 76,000.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,458 |
| Noncurrent loans to loans | 0.0014% | 6,312 |
| Net loans and leases to total assets | 57.3861% | 4,136 |
| Net loans and leases to deposits | 69.8260% | 3,806 |
| Net loans and leases to core deposits | 83.1033% | 2,764 |
| Total domestic deposits to total assets | 82.1845% | 4,812 |
| Equity capital to assets | 15.9964% | 525 |
| Core capital (leverage) ratio | 15.5055% | 540 |
| Tier 1 risk-based capital ratio | 23.9992% | 957 |
| Total risk-based capital ratio | 25.0038% | 967 |
| Memoranda: | ||
| Average total assets | $113,163,800 | 4,431 |
| Average earning assets | $104,527,400 | 4,396 |
| Average equity | $16,310,600 | 3,652 |
| Average total loans | $65,756,200 | 4,421 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 5,104 |
| Cost of funding earning assets | 0.5392% | 3,370 |
| Net interest margin | 3.1828% | 5,050 |
| Noninterest income to average assets | 0.1336% | 6,354 |
| Noninterest expense to average assets | 2.4068% | 5,009 |
| Loan and lease loss provision to assets | 0.2697% | 1,306 |
| Net operating income to assets | 0.2540% | 5,769 |
| Return on assets (ROA) | 0.2540% | 5,865 |
| Pretax return on assets | 0.3853% | 5,665 |
| Return on Equity (ROE) | 1.8180% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.8180% | 5,228 |
| Net charge-offs to loans | 0.0062% | 5,052 |
| Credit loss provision to net charge-offs | 7,466.6667% | 38 |
| Earnings coverage of net charge-offs (x) | 181.3300% | 318 |
| Efficiency ratio | 78.6079% | 2,323 |
| Assets per employee ($millions) | 6.6654% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 5,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.2049% | 4,291 |
| Net loans and leases to deposits | 67.7862% | 4,092 |
| Net loans and leases to core deposits | 81.7023% | 2,906 |
| Total domestic deposits to total assets | 82.9151% | 4,613 |
| Equity capital to assets | 15.1287% | 692 |
| Core capital (leverage) ratio | 15.5733% | 556 |
| Tier 1 risk-based capital ratio | 23.4690% | 1,075 |
| Total risk-based capital ratio | 24.4178% | 1,100 |
| Memoranda: | ||
| Average total assets | $110,740,000 | 4,522 |
| Average earning assets | $101,877,750 | 4,503 |
| Average equity | $15,475,000 | 3,832 |
| Average total loans | $64,379,250 | 4,516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 5,004 |
| Cost of funding earning assets | 0.5508% | 3,403 |
| Net interest margin | 3.1940% | 4,968 |
| Noninterest income to average assets | 0.1393% | 6,354 |
| Noninterest expense to average assets | 2.4614% | 4,867 |
| Loan and lease loss provision to assets | 0.2805% | 1,303 |
| Net operating income to assets | 0.2211% | 5,837 |
| Return on assets (ROA) | 0.2211% | 5,964 |
| Pretax return on assets | 0.3381% | 5,778 |
| Return on Equity (ROE) | 1.6320% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.6320% | 5,210 |
| Net charge-offs to loans | 0.0095% | 4,694 |
| Credit loss provision to net charge-offs | 5,033.3333% | 58 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 431 |
| Efficiency ratio | 79.9156% | 2,169 |
| Assets per employee ($millions) | 5.9772% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 6,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 59.5739% | 3,736 |
| Net loans and leases to deposits | 72.4483% | 3,391 |
| Net loans and leases to core deposits | 88.9171% | 2,011 |
| Total domestic deposits to total assets | 82.2296% | 4,968 |
| Equity capital to assets | 15.6745% | 586 |
| Core capital (leverage) ratio | 15.2156% | 578 |
| Tier 1 risk-based capital ratio | 23.1335% | 1,110 |
| Total risk-based capital ratio | 24.0285% | 1,147 |
| Memoranda: | ||
| Average total assets | $107,661,000 | 4,618 |
| Average earning assets | $99,124,670 | 4,614 |
| Average equity | $14,583,000 | 4,027 |
| Average total loans | $63,138,670 | 4,571 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 5,176 |
| Cost of funding earning assets | 0.5601% | 3,472 |
| Net interest margin | 3.1372% | 5,135 |
| Noninterest income to average assets | 0.1337% | 6,426 |
| Noninterest expense to average assets | 2.3473% | 5,279 |
| Loan and lease loss provision to assets | 0.3008% | 1,152 |
| Net operating income to assets | 0.2340% | 5,778 |
| Return on assets (ROA) | 0.2340% | 5,906 |
| Pretax return on assets | 0.3566% | 5,699 |
| Return on Equity (ROE) | 1.8747% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.8747% | 5,058 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1211% | 2,591 |
| Assets per employee ($millions) | 6.3409% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 56.9650% | 3,933 |
| Net loans and leases to deposits | 68.3664% | 3,731 |
| Net loans and leases to core deposits | 86.9946% | 2,012 |
| Total domestic deposits to total assets | 83.3231% | 4,749 |
| Equity capital to assets | 14.5562% | 864 |
| Core capital (leverage) ratio | 14.0413% | 792 |
| Tier 1 risk-based capital ratio | 22.2652% | 1,283 |
| Total risk-based capital ratio | 23.1023% | 1,331 |
| Memoranda: | ||
| Average total assets | $107,697,000 | 4,660 |
| Average earning assets | $98,558,500 | 4,666 |
| Average equity | $13,442,500 | 4,298 |
| Average total loans | $62,363,000 | 4,622 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 5,633 |
| Cost of funding earning assets | 0.6957% | 3,523 |
| Net interest margin | 3.1852% | 5,604 |
| Noninterest income to average assets | 0.0989% | 6,509 |
| Noninterest expense to average assets | 2.9152% | 3,581 |
| Loan and lease loss provision to assets | 0.2907% | 2,346 |
| Net operating income to assets | -0.1310% | 6,316 |
| Return on assets (ROA) | -0.1310% | 6,406 |
| Pretax return on assets | -0.1942% | 6,420 |
| Return on Equity (ROE) | -0.9862% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.9862% | 6,014 |
| Net charge-offs to loans | 0.0928% | 4,746 |
| Credit loss provision to net charge-offs | 567.4419% | 434 |
| Earnings coverage of net charge-offs (x) | 1.8837% | 4,484 |
| Efficiency ratio | 96.7959% | 675 |
| Assets per employee ($millions) | 6.7249% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 6,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.9435% | 3,991 |
| Net loans and leases to deposits | 66.2410% | 4,250 |
| Net loans and leases to core deposits | 82.6969% | 2,698 |
| Total domestic deposits to total assets | 87.4737% | 2,544 |
| Equity capital to assets | 10.4035% | 3,639 |
| Core capital (leverage) ratio | 10.6201% | 2,634 |
| Tier 1 risk-based capital ratio | 14.9893% | 3,726 |
| Total risk-based capital ratio | 15.6737% | 4,033 |
| Memoranda: | ||
| Average total assets | $83,938,000 | 5,249 |
| Average earning assets | $76,762,200 | 5,220 |
| Average equity | $11,153,400 | 4,732 |
| Average total loans | $46,340,800 | 5,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 6,046 |
| Cost of funding earning assets | 0.7407% | 3,424 |
| Net interest margin | 3.0503% | 6,064 |
| Noninterest income to average assets | 0.0974% | 6,624 |
| Noninterest expense to average assets | 3.2024% | 2,557 |
| Loan and lease loss provision to assets | 0.2888% | 2,266 |
| Net operating income to assets | -0.3913% | 6,640 |
| Return on assets (ROA) | -0.3913% | 6,687 |
| Pretax return on assets | -0.5930% | 6,740 |
| Return on Equity (ROE) | -2.7400% | 6,610 |
| Retained earnings to average equity (ytd only) | -2.7400% | 6,460 |
| Net charge-offs to loans | 0.0379% | 5,122 |
| Credit loss provision to net charge-offs | 1,408.3333% | 199 |
| Earnings coverage of net charge-offs (x) | -14.8331% | 5,746 |
| Efficiency ratio | 110.4953% | 299 |
| Assets per employee ($millions) | 5.7311% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 6,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.5190% | 3,115 |
| Net loans and leases to deposits | 74.3756% | 3,228 |
| Net loans and leases to core deposits | 96.3986% | 1,379 |
| Total domestic deposits to total assets | 85.4030% | 3,566 |
| Equity capital to assets | 12.1760% | 2,131 |
| Core capital (leverage) ratio | 11.1756% | 2,229 |
| Tier 1 risk-based capital ratio | 16.1335% | 3,203 |
| Total risk-based capital ratio | 16.8082% | 3,463 |
| Memoranda: | ||
| Average total assets | $78,023,000 | 5,461 |
| Average earning assets | $71,641,750 | 5,440 |
| Average equity | $11,143,250 | 4,777 |
| Average total loans | $42,227,750 | 5,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 6,439 |
| Cost of funding earning assets | 0.7706% | 3,443 |
| Net interest margin | 2.8676% | 6,466 |
| Noninterest income to average assets | 0.0926% | 6,708 |
| Noninterest expense to average assets | 3.5663% | 1,647 |
| Loan and lease loss provision to assets | 0.2967% | 2,206 |
| Net operating income to assets | -0.7350% | 6,831 |
| Return on assets (ROA) | -0.7350% | 6,864 |
| Pretax return on assets | -1.1162% | 6,927 |
| Return on Equity (ROE) | -4.8491% | 6,765 |
| Retained earnings to average equity (ytd only) | -4.8491% | 6,608 |
| Net charge-offs to loans | 0.0653% | 4,519 |
| Credit loss provision to net charge-offs | 908.3333% | 360 |
| Earnings coverage of net charge-offs (x) | -25.0833% | 5,485 |
| Efficiency ratio | 129.8315% | 162 |
| Assets per employee ($millions) | 5.4269% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7492% | 6,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 52.4813% | 5,038 |
| Net loans and leases to deposits | 61.9301% | 5,006 |
| Net loans and leases to core deposits | 81.8250% | 2,986 |
| Total domestic deposits to total assets | 84.7428% | 3,981 |
| Equity capital to assets | 12.7524% | 1,653 |
| Core capital (leverage) ratio | 12.5140% | 1,345 |
| Tier 1 risk-based capital ratio | 20.0535% | 1,692 |
| Total risk-based capital ratio | 20.7767% | 1,811 |
| Memoranda: | ||
| Average total assets | $73,465,000 | 5,619 |
| Average earning assets | $68,000,330 | 5,590 |
| Average equity | $11,136,000 | 4,780 |
| Average total loans | $36,754,330 | 5,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 6,517 |
| Cost of funding earning assets | 0.8617% | 2,977 |
| Net interest margin | 2.7830% | 6,663 |
| Noninterest income to average assets | 0.0659% | 6,873 |
| Noninterest expense to average assets | 3.5219% | 1,713 |
| Loan and lease loss provision to assets | 0.3594% | 1,755 |
| Net operating income to assets | -0.7966% | 6,950 |
| Return on assets (ROA) | -0.7966% | 6,968 |
| Pretax return on assets | -1.2039% | 7,021 |
| Return on Equity (ROE) | -4.7638% | 6,842 |
| Retained earnings to average equity (ytd only) | -4.7638% | 6,566 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5436% | 159 |
| Assets per employee ($millions) | 4.4676% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 6,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.8214% | 5,046 |
| Net loans and leases to deposits | 61.5680% | 4,977 |
| Net loans and leases to core deposits | 75.8177% | 3,638 |
| Total domestic deposits to total assets | 84.1694% | 4,414 |
| Equity capital to assets | 15.5578% | 646 |
| Core capital (leverage) ratio | 15.2489% | 565 |
| Tier 1 risk-based capital ratio | 25.0364% | 903 |
| Total risk-based capital ratio | 25.8039% | 932 |
| Memoranda: | ||
| Average total assets | $66,782,000 | 5,862 |
| Average earning assets | $62,666,000 | 5,789 |
| Average equity | $11,167,500 | 4,786 |
| Average total loans | $32,174,500 | 5,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5119% | 7,255 |
| Cost of funding earning assets | 0.8886% | 4,198 |
| Net interest margin | 1.6233% | 7,281 |
| Noninterest income to average assets | 0.0513% | 6,830 |
| Noninterest expense to average assets | 3.6554% | 1,627 |
| Loan and lease loss provision to assets | 0.4939% | 2,131 |
| Net operating income to assets | -1.6937% | 6,958 |
| Return on assets (ROA) | -1.6937% | 6,976 |
| Pretax return on assets | -2.5744% | 7,129 |
| Return on Equity (ROE) | -6.3591% | 6,602 |
| Retained earnings to average equity (ytd only) | -6.3591% | 6,532 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 232.1006% | 42 |
| Assets per employee ($millions) | 4.4344% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.0946% | 6,291 |
| Net loans and leases to deposits | 52.7266% | 6,153 |
| Net loans and leases to core deposits | 67.8244% | 5,050 |
| Total domestic deposits to total assets | 81.7322% | 5,219 |
| Equity capital to assets | 18.0632% | 345 |
| Core capital (leverage) ratio | 17.1980% | 352 |
| Tier 1 risk-based capital ratio | 34.3267% | 353 |
| Total risk-based capital ratio | 35.1588% | 360 |
| Memoranda: | ||
| Average total assets | $42,922,600 | 6,567 |
| Average earning assets | $40,288,200 | 6,517 |
| Average equity | $11,432,400 | 4,676 |
| Average total loans | $12,464,200 | 7,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2788% | 7,356 |
| Cost of funding earning assets | 0.8093% | 5,089 |
| Net interest margin | 1.4695% | 7,367 |
| Noninterest income to average assets | 0.0385% | 6,989 |
| Noninterest expense to average assets | 3.8216% | 1,275 |
| Loan and lease loss provision to assets | 0.5594% | 1,758 |
| Net operating income to assets | -1.9580% | 7,129 |
| Return on assets (ROA) | -1.9580% | 7,143 |
| Pretax return on assets | -2.9650% | 7,267 |
| Return on Equity (ROE) | -6.5000% | 6,741 |
| Retained earnings to average equity (ytd only) | -6.5000% | 6,670 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.8765% | 24 |
| Assets per employee ($millions) | 4.8850% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 5,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 29.0686% | 7,116 |
| Net loans and leases to deposits | 36.2314% | 7,072 |
| Net loans and leases to core deposits | 44.6249% | 6,900 |
| Total domestic deposits to total assets | 80.2303% | 5,667 |
| Equity capital to assets | 19.4763% | 282 |
| Core capital (leverage) ratio | 20.7241% | 189 |
| Tier 1 risk-based capital ratio | 43.3484% | 199 |
| Total risk-based capital ratio | 44.1552% | 197 |
| Memoranda: | ||
| Average total assets | $38,132,750 | 6,789 |
| Average earning assets | $35,748,750 | 6,747 |
| Average equity | $11,487,000 | 4,695 |
| Average total loans | $8,830,250 | 7,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1611% | 7,438 |
| Cost of funding earning assets | 0.6929% | 6,004 |
| Net interest margin | 1.4682% | 7,447 |
| Noninterest income to average assets | 0.0447% | 7,070 |
| Noninterest expense to average assets | 4.1976% | 834 |
| Loan and lease loss provision to assets | 0.3833% | 2,502 |
| Net operating income to assets | -2.0892% | 7,206 |
| Return on assets (ROA) | -2.0892% | 7,214 |
| Pretax return on assets | -3.1690% | 7,322 |
| Return on Equity (ROE) | -5.6819% | 6,759 |
| Retained earnings to average equity (ytd only) | -5.6819% | 6,626 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 297.2851% | 27 |
| Assets per employee ($millions) | 4.5187% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 6,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 19.7114% | 7,371 |
| Net loans and leases to deposits | 26.4625% | 7,347 |
| Net loans and leases to core deposits | 34.8052% | 7,243 |
| Total domestic deposits to total assets | 74.4882% | 6,786 |
| Equity capital to assets | 25.2905% | 120 |
| Core capital (leverage) ratio | 30.5020% | 77 |
| Tier 1 risk-based capital ratio | 68.2352% | 85 |
| Total risk-based capital ratio | 68.7979% | 86 |
| Memoranda: | ||
| Average total assets | $31,303,670 | 7,064 |
| Average earning assets | $29,152,330 | 7,026 |
| Average equity | $11,510,330 | 4,684 |
| Average total loans | $6,029,000 | 7,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0837% | 7,504 |
| Cost of funding earning assets | 0.5030% | 6,957 |
| Net interest margin | 1.5807% | 7,494 |
| Noninterest income to average assets | 0.0493% | 7,141 |
| Noninterest expense to average assets | 5.0571% | 348 |
| Loan and lease loss provision to assets | 0.3941% | 2,223 |
| Net operating income to assets | -2.6106% | 7,353 |
| Return on assets (ROA) | -2.6106% | 7,354 |
| Pretax return on assets | -3.9570% | 7,432 |
| Return on Equity (ROE) | -5.5058% | 6,837 |
| Retained earnings to average equity (ytd only) | -5.5058% | 6,556 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 338.4615% | 22 |
| Assets per employee ($millions) | 4.2119% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 19.2925% | 7,432 |
| Net loans and leases to deposits | 31.6933% | 7,330 |
| Net loans and leases to core deposits | 36.4990% | 7,249 |
| Total domestic deposits to total assets | 60.8724% | 7,422 |
| Equity capital to assets | 38.9106% | 55 |
| Core capital (leverage) ratio | 48.7422% | 41 |
| Tier 1 risk-based capital ratio | 128.4937% | 44 |
| Total risk-based capital ratio | 129.1380% | 44 |
| Memoranda: | ||
| Average total assets | $24,362,000 | 7,306 |
| Average earning assets | $22,268,500 | 7,288 |
| Average equity | $11,551,500 | 4,652 |
| Average total loans | $4,543,000 | 7,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6317% | 7,618 |
| Cost of funding earning assets | 0.0391% | 7,609 |
| Net interest margin | 0.5927% | 7,603 |
| Noninterest income to average assets | 0.0411% | 7,151 |
| Noninterest expense to average assets | 5.9053% | 243 |
| Loan and lease loss provision to assets | 0.1998% | 5,238 |
| Net operating income to assets | -3.6490% | 7,393 |
| Return on assets (ROA) | -3.6490% | 7,410 |
| Pretax return on assets | -5.5293% | 7,565 |
| Return on Equity (ROE) | -5.3937% | 6,465 |
| Retained earnings to average equity (ytd only) | -5.3937% | 6,339 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,025.5102% | 7 |
| Assets per employee ($millions) | 2.7487% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 6,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 17.1821% | 7,545 |
| Net loans and leases to deposits | 43.5573% | 7,132 |
| Net loans and leases to core deposits | 63.2485% | 6,124 |
| Total domestic deposits to total assets | 39.4470% | 7,584 |
| Equity capital to assets | 60.4490% | 43 |
| Core capital (leverage) ratio | 74.3437% | 30 |
| Tier 1 risk-based capital ratio | 153.3351% | 43 |
| Total risk-based capital ratio | 153.7798% | 43 |
| Memoranda: | ||
| Average total assets | $17,018,500 | 7,532 |
| Average earning assets | $15,354,500 | 7,516 |
| Average equity | $11,513,500 | 4,729 |
| Average total loans | $2,389,500 | 7,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3555% | 7,745 |
| Cost of funding earning assets | 0.0098% | 7,738 |
| Net interest margin | 0.3456% | 7,735 |
| Noninterest income to average assets | 0.0090% | 7,415 |
| Noninterest expense to average assets | 9.2185% | 88 |
| Loan and lease loss provision to assets | 0.1352% | 5,677 |
| Net operating income to assets | -9.0293% | 7,738 |
| Return on assets (ROA) | -9.0293% | 7,737 |
| Pretax return on assets | -9.0293% | 7,736 |
| Return on Equity (ROE) | -11.7231% | 6,997 |
| Retained earnings to average equity (ytd only) | -11.7231% | 6,961 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,841.6667% | 3 |
| Assets per employee ($millions) | 2.1137% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 6,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 9.6242% | 7,690 |
| Net loans and leases to deposits | 42.1177% | 7,298 |
| Net loans and leases to core deposits | 49.4273% | 7,141 |
| Total domestic deposits to total assets | 22.8508% | 7,708 |
| Equity capital to assets | 77.0208% | 34 |
| Core capital (leverage) ratio | 83.2494% | 22 |
| Tier 1 risk-based capital ratio | 240.8870% | 33 |
| Total risk-based capital ratio | 241.2038% | 33 |
| Memoranda: | ||
| Average total assets | $14,796,000 | 7,672 |
| Average earning assets | $13,503,000 | 7,653 |
| Average equity | $11,396,000 | 4,842 |
| Average total loans | $1,439,000 | 7,709 |