Home > Millennium Bank > Performance and Condition Ratios
Millennium Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 1,171 |
| Cost of funding earning assets | 1.4451% | 2,090 |
| Net interest margin | 4.0464% | 1,138 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.7377% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3102% | 1,416 |
| Return on assets (ROA) | 1.3102% | 1,383 |
| Pretax return on assets | 1.3150% | 1,829 |
| Return on Equity (ROE) | 13.4800% | 1,611 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,544 |
| Net charge-offs to loans | 0.1481% | 693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 11.5441% | 2,185 |
| Efficiency ratio | 67.5528% | 2,165 |
| Assets per employee ($millions) | 6.6097% | 2,334 |
| Cash dividends to net income (ytd only)* | 61.5974% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,388 |
| Loan loss allowance to noncurrent loans | 140.9280% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 750 |
| Noncurrent loans to loans | 0.8399% | 914 |
| Net loans and leases to total assets | 79.0900% | 752 |
| Net loans and leases to deposits | 92.4822% | 1,054 |
| Net loans and leases to core deposits | 121.7703% | 574 |
| Total domestic deposits to total assets | 85.5200% | 2,156 |
| Equity capital to assets | 9.9011% | 2,067 |
| Core capital (leverage) ratio | 10.0906% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $517,944,000 | 1,697 |
| Average earning assets | $496,145,600 | 1,650 |
| Average equity | $50,346,200 | 1,599 |
| Average total loans | $398,289,400 | 1,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3910% | 1,145 |
| Cost of funding earning assets | 1.3186% | 2,101 |
| Net interest margin | 4.0724% | 1,113 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.8279% | 1,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2508% | 1,646 |
| Return on assets (ROA) | 1.2508% | 1,642 |
| Pretax return on assets | 1.2508% | 2,168 |
| Return on Equity (ROE) | 12.9300% | 1,914 |
| Retained earnings to average equity (ytd only) | 3.2420% | 3,456 |
| Net charge-offs to loans | 0.0198% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 83.0690% | 1,026 |
| Efficiency ratio | 69.3336% | 1,865 |
| Assets per employee ($millions) | 6.2031% | 2,564 |
| Cash dividends to net income (ytd only)* | 74.9274% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,536 |
| Loan loss allowance to noncurrent loans | 132.7096% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 657 |
| Noncurrent loans to loans | 1.0388% | 775 |
| Net loans and leases to total assets | 77.8500% | 901 |
| Net loans and leases to deposits | 90.8985% | 1,155 |
| Net loans and leases to core deposits | 106.5298% | 990 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 9.6528% | 2,014 |
| Core capital (leverage) ratio | 9.9603% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $513,584,000 | 1,703 |
| Average earning assets | $491,724,250 | 1,658 |
| Average equity | $49,680,500 | 1,602 |
| Average total loans | $390,739,750 | 1,493 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 1,115 |
| Cost of funding earning assets | 1.1906% | 2,023 |
| Net interest margin | 4.0822% | 1,109 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.7348% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3536% | 1,442 |
| Return on assets (ROA) | 1.3536% | 1,426 |
| Pretax return on assets | 1.3536% | 1,934 |
| Return on Equity (ROE) | 13.9800% | 1,686 |
| Retained earnings to average equity (ytd only) | 1.3407% | 3,854 |
| Net charge-offs to loans | 0.0389% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 46.3067% | 1,326 |
| Efficiency ratio | 66.8923% | 2,118 |
| Assets per employee ($millions) | 6.3258% | 2,452 |
| Cash dividends to net income (ytd only)* | 90.4117% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 1,410 |
| Loan loss allowance to noncurrent loans | 148.8409% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 705 |
| Noncurrent loans to loans | 0.9637% | 783 |
| Net loans and leases to total assets | 72.2400% | 1,503 |
| Net loans and leases to deposits | 82.9451% | 1,768 |
| Net loans and leases to core deposits | 95.1920% | 1,509 |
| Total domestic deposits to total assets | 87.0900% | 1,903 |
| Equity capital to assets | 9.3325% | 2,285 |
| Core capital (leverage) ratio | 9.6978% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $513,160,000 | 1,696 |
| Average earning assets | $491,161,667 | 1,658 |
| Average equity | $49,674,667 | 1,604 |
| Average total loans | $385,509,333 | 1,496 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 1,098 |
| Cost of funding earning assets | 0.9854% | 2,096 |
| Net interest margin | 4.1067% | 1,088 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.7624% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3387% | 1,572 |
| Return on assets (ROA) | 1.3387% | 1,540 |
| Pretax return on assets | 1.3387% | 2,060 |
| Return on Equity (ROE) | 13.5700% | 1,866 |
| Retained earnings to average equity (ytd only) | 9.3891% | 1,841 |
| Net charge-offs to loans | 0.0344% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 51.1212% | 1,098 |
| Efficiency ratio | 67.3568% | 2,054 |
| Assets per employee ($millions) | 5.9650% | 2,793 |
| Cash dividends to net income (ytd only)* | 30.8239% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,388 |
| Loan loss allowance to noncurrent loans | 140.4192% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 557 |
| Noncurrent loans to loans | 1.0413% | 699 |
| Net loans and leases to total assets | 74.8100% | 1,101 |
| Net loans and leases to deposits | 86.5649% | 1,310 |
| Net loans and leases to core deposits | 98.5860% | 1,149 |
| Total domestic deposits to total assets | 86.4200% | 2,468 |
| Equity capital to assets | 10.0012% | 1,823 |
| Core capital (leverage) ratio | 10.3294% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $504,056,500 | 1,731 |
| Average earning assets | $481,852,000 | 1,699 |
| Average equity | $49,717,000 | 1,617 |
| Average total loans | $383,544,000 | 1,515 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 1,119 |
| Cost of funding earning assets | 0.3797% | 2,260 |
| Net interest margin | 3.8883% | 976 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.6934% | 1,572 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.2913% | 1,465 |
| Return on assets (ROA) | 1.2913% | 1,423 |
| Pretax return on assets | 1.2975% | 2,095 |
| Return on Equity (ROE) | 14.1000% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.5144% | 2,445 |
| Net charge-offs to loans | -0.1939% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.7852% | 1,866 |
| Assets per employee ($millions) | 5.8266% | 2,923 |
| Cash dividends to net income (ytd only)* | 53.7901% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,256 |
| Loan loss allowance to noncurrent loans | 140.7159% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 537 |
| Noncurrent loans to loans | 1.0527% | 690 |
| Net loans and leases to total assets | 75.1400% | 1,115 |
| Net loans and leases to deposits | 83.7152% | 1,486 |
| Net loans and leases to core deposits | 89.0083% | 1,552 |
| Total domestic deposits to total assets | 89.7600% | 1,465 |
| Equity capital to assets | 9.7239% | 1,871 |
| Core capital (leverage) ratio | 9.7732% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $531,234,200 | 1,655 |
| Average earning assets | $509,654,000 | 1,606 |
| Average equity | $48,661,800 | 1,657 |
| Average total loans | $352,674,600 | 1,537 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 1,323 |
| Cost of funding earning assets | 0.2757% | 2,426 |
| Net interest margin | 3.6975% | 1,142 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.5791% | 1,767 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 1.1931% | 1,721 |
| Return on assets (ROA) | 1.1931% | 1,697 |
| Pretax return on assets | 1.2136% | 2,316 |
| Return on Equity (ROE) | 13.2100% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.5251% | 3,274 |
| Net charge-offs to loans | -0.1135% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.9012% | 1,898 |
| Assets per employee ($millions) | 6.1814% | 2,591 |
| Cash dividends to net income (ytd only)* | 65.7540% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 1,254 |
| Loan loss allowance to noncurrent loans | 427.4219% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 1,740 |
| Noncurrent loans to loans | 0.3545% | 1,962 |
| Net loans and leases to total assets | 68.4900% | 1,618 |
| Net loans and leases to deposits | 75.5237% | 1,919 |
| Net loans and leases to core deposits | 80.5461% | 1,864 |
| Total domestic deposits to total assets | 90.6900% | 1,368 |
| Equity capital to assets | 8.9416% | 2,251 |
| Core capital (leverage) ratio | 9.1412% | 3,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $538,771,250 | 1,647 |
| Average earning assets | $517,454,250 | 1,597 |
| Average equity | $48,646,000 | 1,674 |
| Average total loans | $345,299,500 | 1,554 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 1,516 |
| Cost of funding earning assets | 0.2512% | 2,252 |
| Net interest margin | 3.4571% | 1,428 |
| Noninterest income to average assets | 0.1940% | 4,030 |
| Noninterest expense to average assets | 2.3789% | 2,302 |
| Loan and lease loss provision to assets | -0.0734% | 4,559 |
| Net operating income to assets | 1.1799% | 1,499 |
| Return on assets (ROA) | 1.1799% | 1,473 |
| Pretax return on assets | 1.2104% | 2,043 |
| Return on Equity (ROE) | 13.0282% | 1,374 |
| Retained earnings to average equity (ytd only) | 1.8912% | 3,783 |
| Net charge-offs to loans | -0.1565% | 4,544 |
| Credit loss provision to net charge-offs | 75.1880% | 1,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6612% | 2,286 |
| Assets per employee ($millions) | 6.3753% | 2,410 |
| Cash dividends to net income (ytd only)* | 85.4834% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,211 |
| Loan loss allowance to noncurrent loans | 409.3233% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 1,792 |
| Noncurrent loans to loans | 0.3842% | 1,985 |
| Net loans and leases to total assets | 63.6216% | 1,949 |
| Net loans and leases to deposits | 70.0190% | 2,200 |
| Net loans and leases to core deposits | 74.7382% | 2,109 |
| Total domestic deposits to total assets | 90.8633% | 1,299 |
| Equity capital to assets | 8.7949% | 2,537 |
| Core capital (leverage) ratio | 8.7917% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $545,282,667 | 1,637 |
| Average earning assets | $523,961,000 | 1,601 |
| Average equity | $49,385,333 | 1,699 |
| Average total loans | $340,031,667 | 1,565 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 1,818 |
| Cost of funding earning assets | 0.2587% | 2,060 |
| Net interest margin | 3.2395% | 1,754 |
| Noninterest income to average assets | 0.1978% | 3,978 |
| Noninterest expense to average assets | 2.3157% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9357% | 2,130 |
| Return on assets (ROA) | 0.9357% | 2,120 |
| Pretax return on assets | 0.9961% | 2,454 |
| Return on Equity (ROE) | 10.1883% | 1,891 |
| Retained earnings to average equity (ytd only) | 6.8635% | 1,936 |
| Net charge-offs to loans | -0.1377% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9232% | 2,242 |
| Assets per employee ($millions) | 6.3193% | 2,532 |
| Cash dividends to net income (ytd only)* | 32.6340% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,215 |
| Loan loss allowance to noncurrent loans | 221.2646% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4769% | 1,272 |
| Noncurrent loans to loans | 0.7328% | 1,301 |
| Net loans and leases to total assets | 60.6313% | 1,996 |
| Net loans and leases to deposits | 66.9370% | 2,248 |
| Net loans and leases to core deposits | 71.9769% | 2,115 |
| Total domestic deposits to total assets | 90.5798% | 1,251 |
| Equity capital to assets | 9.0661% | 2,657 |
| Core capital (leverage) ratio | 8.7107% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $550,162,000 | 1,635 |
| Average earning assets | $528,851,500 | 1,595 |
| Average equity | $50,528,500 | 1,725 |
| Average total loans | $336,971,000 | 1,563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 1,687 |
| Cost of funding earning assets | 0.3455% | 1,978 |
| Net interest margin | 3.5290% | 1,656 |
| Noninterest income to average assets | 0.4254% | 2,921 |
| Noninterest expense to average assets | 2.6822% | 1,681 |
| Loan and lease loss provision to assets | -0.0194% | 4,220 |
| Net operating income to assets | 1.0650% | 2,438 |
| Return on assets (ROA) | 1.0650% | 2,510 |
| Pretax return on assets | 1.1395% | 2,858 |
| Return on Equity (ROE) | 11.0948% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.3088% | 1,807 |
| Net charge-offs to loans | -0.2562% | 4,737 |
| Credit loss provision to net charge-offs | 11.3636% | 2,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5428% | 1,675 |
| Assets per employee ($millions) | 6.4017% | 2,409 |
| Cash dividends to net income (ytd only)* | 34.1241% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 1,243 |
| Loan loss allowance to noncurrent loans | 298.2806% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 1,813 |
| Noncurrent loans to loans | 0.5380% | 1,783 |
| Net loans and leases to total assets | 59.8919% | 2,170 |
| Net loans and leases to deposits | 66.2301% | 2,491 |
| Net loans and leases to core deposits | 71.2527% | 2,325 |
| Total domestic deposits to total assets | 90.4299% | 747 |
| Equity capital to assets | 9.3024% | 3,320 |
| Core capital (leverage) ratio | 8.7454% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $514,532,200 | 1,664 |
| Average earning assets | $492,355,400 | 1,631 |
| Average equity | $49,392,600 | 1,788 |
| Average total loans | $343,441,000 | 1,544 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 1,767 |
| Cost of funding earning assets | 0.3717% | 1,921 |
| Net interest margin | 3.5273% | 1,792 |
| Noninterest income to average assets | 0.5014% | 2,619 |
| Noninterest expense to average assets | 2.7801% | 1,389 |
| Loan and lease loss provision to assets | -0.0263% | 4,376 |
| Net operating income to assets | 1.0455% | 2,744 |
| Return on assets (ROA) | 1.0455% | 2,810 |
| Pretax return on assets | 1.1185% | 3,161 |
| Return on Equity (ROE) | 10.8000% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.3318% | 2,682 |
| Net charge-offs to loans | -0.2774% | 4,801 |
| Credit loss provision to net charge-offs | 13.9082% | 2,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7954% | 1,422 |
| Assets per employee ($millions) | 6.0145% | 2,681 |
| Cash dividends to net income (ytd only)* | 41.3724% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,407 |
| Loan loss allowance to noncurrent loans | 122.2066% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 885 |
| Noncurrent loans to loans | 1.2884% | 848 |
| Net loans and leases to total assets | 61.6148% | 2,059 |
| Net loans and leases to deposits | 68.4333% | 2,402 |
| Net loans and leases to core deposits | 74.0277% | 2,244 |
| Total domestic deposits to total assets | 90.0363% | 760 |
| Equity capital to assets | 9.4765% | 3,398 |
| Core capital (leverage) ratio | 8.9417% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,528,000 | 1,703 |
| Average earning assets | $483,119,250 | 1,668 |
| Average equity | $48,937,250 | 1,821 |
| Average total loans | $345,523,250 | 1,564 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 1,776 |
| Cost of funding earning assets | 0.4017% | 1,871 |
| Net interest margin | 3.5117% | 1,825 |
| Noninterest income to average assets | 0.6238% | 2,112 |
| Noninterest expense to average assets | 2.8914% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0132% | 2,847 |
| Return on assets (ROA) | 1.0132% | 2,930 |
| Pretax return on assets | 1.0840% | 3,268 |
| Return on Equity (ROE) | 10.3893% | 2,617 |
| Retained earnings to average equity (ytd only) | 6.1446% | 2,744 |
| Net charge-offs to loans | -0.1719% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7328% | 1,359 |
| Assets per employee ($millions) | 5.8595% | 2,752 |
| Cash dividends to net income (ytd only)* | 40.8568% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,873 |
| Loan loss allowance to noncurrent loans | 104.8812% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 842 |
| Noncurrent loans to loans | 1.3571% | 859 |
| Net loans and leases to total assets | 66.5569% | 1,624 |
| Net loans and leases to deposits | 74.1403% | 1,983 |
| Net loans and leases to core deposits | 80.9580% | 1,805 |
| Total domestic deposits to total assets | 89.7717% | 885 |
| Equity capital to assets | 9.6812% | 3,172 |
| Core capital (leverage) ratio | 9.1001% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,610,667 | 1,720 |
| Average earning assets | $474,929,667 | 1,684 |
| Average equity | $48,530,667 | 1,818 |
| Average total loans | $350,253,667 | 1,556 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 1,781 |
| Cost of funding earning assets | 0.4354% | 1,831 |
| Net interest margin | 3.4851% | 1,865 |
| Noninterest income to average assets | 0.6152% | 2,151 |
| Noninterest expense to average assets | 3.1160% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7682% | 3,523 |
| Return on assets (ROA) | 0.7682% | 3,593 |
| Pretax return on assets | 0.8211% | 3,770 |
| Return on Equity (ROE) | 7.8471% | 3,375 |
| Retained earnings to average equity (ytd only) | 4.3558% | 3,398 |
| Net charge-offs to loans | -0.2525% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1443% | 882 |
| Assets per employee ($millions) | 5.5621% | 3,052 |
| Cash dividends to net income (ytd only)* | 44.4915% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,051 |
| Loan loss allowance to noncurrent loans | 96.2468% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 812 |
| Noncurrent loans to loans | 1.4339% | 880 |
| Net loans and leases to total assets | 69.5938% | 1,344 |
| Net loans and leases to deposits | 78.0329% | 1,711 |
| Net loans and leases to core deposits | 85.6456% | 1,548 |
| Total domestic deposits to total assets | 89.1852% | 1,249 |
| Equity capital to assets | 9.7595% | 2,936 |
| Core capital (leverage) ratio | 9.2543% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,526,000 | 1,725 |
| Average earning assets | $468,506,500 | 1,687 |
| Average equity | $48,119,500 | 1,816 |
| Average total loans | $353,284,000 | 1,553 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 1,694 |
| Cost of funding earning assets | 0.5933% | 2,363 |
| Net interest margin | 3.7665% | 1,598 |
| Noninterest income to average assets | 0.2425% | 4,040 |
| Noninterest expense to average assets | 3.4604% | 735 |
| Loan and lease loss provision to assets | 0.0242% | 4,095 |
| Net operating income to assets | 0.3174% | 4,407 |
| Return on assets (ROA) | 0.3182% | 4,471 |
| Pretax return on assets | 0.3413% | 4,500 |
| Return on Equity (ROE) | 3.1906% | 4,327 |
| Retained earnings to average equity (ytd only) | -2.7935% | 4,750 |
| Net charge-offs to loans | -0.0822% | 4,772 |
| Credit loss provision to net charge-offs | -39.4737% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4641% | 362 |
| Assets per employee ($millions) | 5.0312% | 3,360 |
| Cash dividends to net income (ytd only)* | 187.5529% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,477 |
| Loan loss allowance to noncurrent loans | 83.3877% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 780 |
| Noncurrent loans to loans | 1.5435% | 859 |
| Net loans and leases to total assets | 72.2588% | 1,261 |
| Net loans and leases to deposits | 82.0321% | 1,660 |
| Net loans and leases to core deposits | 93.1002% | 1,300 |
| Total domestic deposits to total assets | 88.0859% | 1,435 |
| Equity capital to assets | 9.8205% | 3,295 |
| Core capital (leverage) ratio | 9.1894% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,197,000 | 1,955 |
| Average earning assets | $353,082,600 | 1,928 |
| Average equity | $37,015,000 | 2,128 |
| Average total loans | $277,214,000 | 1,788 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 1,927 |
| Cost of funding earning assets | 0.6200% | 2,483 |
| Net interest margin | 3.7498% | 1,765 |
| Noninterest income to average assets | 0.2425% | 4,029 |
| Noninterest expense to average assets | 3.5415% | 670 |
| Loan and lease loss provision to assets | 0.0351% | 3,899 |
| Net operating income to assets | 0.2153% | 4,565 |
| Return on assets (ROA) | 0.2164% | 4,608 |
| Pretax return on assets | 0.2324% | 4,620 |
| Return on Equity (ROE) | 2.1582% | 4,531 |
| Retained earnings to average equity (ytd only) | -4.8219% | 4,840 |
| Net charge-offs to loans | -0.0876% | 4,802 |
| Credit loss provision to net charge-offs | -53.2544% | 3,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0071% | 284 |
| Assets per employee ($millions) | 5.0138% | 3,231 |
| Cash dividends to net income (ytd only)* | 323.4234% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,391 |
| Loan loss allowance to noncurrent loans | 145.0160% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 1,784 |
| Noncurrent loans to loans | 0.8624% | 1,721 |
| Net loans and leases to total assets | 72.9429% | 1,512 |
| Net loans and leases to deposits | 84.2162% | 1,885 |
| Net loans and leases to core deposits | 95.8167% | 1,469 |
| Total domestic deposits to total assets | 86.6138% | 1,810 |
| Equity capital to assets | 9.7025% | 3,514 |
| Core capital (leverage) ratio | 9.2611% | 3,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,989,250 | 2,069 |
| Average earning assets | $325,162,750 | 2,031 |
| Average equity | $34,287,000 | 2,255 |
| Average total loans | $257,207,250 | 1,876 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,815 |
| Cost of funding earning assets | 0.6378% | 2,768 |
| Net interest margin | 3.5456% | 2,651 |
| Noninterest income to average assets | 0.2423% | 4,032 |
| Noninterest expense to average assets | 3.5489% | 702 |
| Loan and lease loss provision to assets | 0.0616% | 3,528 |
| Net operating income to assets | 0.0018% | 4,774 |
| Return on assets (ROA) | 0.0034% | 4,792 |
| Pretax return on assets | 0.0048% | 4,786 |
| Return on Equity (ROE) | 0.0335% | 4,792 |
| Retained earnings to average equity (ytd only) | -9.1870% | 4,903 |
| Net charge-offs to loans | -0.0973% | 4,839 |
| Credit loss provision to net charge-offs | -83.3333% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2194% | 202 |
| Assets per employee ($millions) | 4.8362% | 3,380 |
| Cash dividends to net income (ytd only)* | 27,500.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,261 |
| Loan loss allowance to noncurrent loans | 145.2953% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 1,817 |
| Noncurrent loans to loans | 0.8595% | 1,771 |
| Net loans and leases to total assets | 74.7147% | 1,318 |
| Net loans and leases to deposits | 86.8064% | 1,682 |
| Net loans and leases to core deposits | 99.9529% | 1,257 |
| Total domestic deposits to total assets | 86.0705% | 1,979 |
| Equity capital to assets | 10.0271% | 3,179 |
| Core capital (leverage) ratio | 9.8441% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,200,000 | 2,300 |
| Average earning assets | $277,809,667 | 2,266 |
| Average equity | $29,824,667 | 2,478 |
| Average total loans | $221,960,000 | 2,066 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3040% | 549 |
| Cost of funding earning assets | 0.9111% | 1,811 |
| Net interest margin | 4.3929% | 633 |
| Noninterest income to average assets | 0.3199% | 3,606 |
| Noninterest expense to average assets | 3.6915% | 708 |
| Loan and lease loss provision to assets | 0.0993% | 2,445 |
| Net operating income to assets | 0.6676% | 3,374 |
| Return on assets (ROA) | 0.6676% | 3,443 |
| Pretax return on assets | 0.7153% | 3,633 |
| Return on Equity (ROE) | 6.4075% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.2121% | 3,366 |
| Net charge-offs to loans | -0.0078% | 3,992 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9224% | 976 |
| Assets per employee ($millions) | 3.8547% | 4,111 |
| Cash dividends to net income (ytd only)* | 65.4762% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,176 |
| Loan loss allowance to noncurrent loans | 314.0221% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7223% | 1,861 |
| Noncurrent loans to loans | 0.3520% | 3,226 |
| Net loans and leases to total assets | 77.4512% | 1,057 |
| Net loans and leases to deposits | 87.6222% | 1,792 |
| Net loans and leases to core deposits | 114.2131% | 657 |
| Total domestic deposits to total assets | 88.3921% | 933 |
| Equity capital to assets | 10.7111% | 3,125 |
| Core capital (leverage) ratio | 10.4233% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,328,000 | 2,857 |
| Average earning assets | $191,854,000 | 2,817 |
| Average equity | $20,975,500 | 3,076 |
| Average total loans | $153,648,000 | 2,605 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 647 |
| Cost of funding earning assets | 1.0064% | 1,700 |
| Net interest margin | 4.4134% | 872 |
| Noninterest income to average assets | 0.2979% | 3,898 |
| Noninterest expense to average assets | 3.5318% | 921 |
| Loan and lease loss provision to assets | 0.0132% | 3,753 |
| Net operating income to assets | 0.9112% | 3,163 |
| Return on assets (ROA) | 0.9112% | 3,246 |
| Pretax return on assets | 0.9755% | 3,525 |
| Return on Equity (ROE) | 8.3406% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.1970% | 4,311 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1290% | 1,137 |
| Assets per employee ($millions) | 4.2930% | 3,520 |
| Cash dividends to net income (ytd only)* | 85.6481% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,080 |
| Loan loss allowance to noncurrent loans | 398.3092% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,010 |
| Noncurrent loans to loans | 0.2700% | 3,483 |
| Net loans and leases to total assets | 73.6093% | 1,817 |
| Net loans and leases to deposits | 85.4990% | 2,154 |
| Net loans and leases to core deposits | 106.6868% | 1,069 |
| Total domestic deposits to total assets | 86.0937% | 2,034 |
| Equity capital to assets | 10.1395% | 3,797 |
| Core capital (leverage) ratio | 11.1233% | 2,396 |
| Tier 1 risk-based capital ratio | 12.6146% | 4,001 |
| Total risk-based capital ratio | 13.6135% | 4,016 |
| Memoranda: | ||
| Average total assets | $189,650,000 | 2,922 |
| Average earning assets | $181,446,200 | 2,874 |
| Average equity | $20,718,000 | 3,064 |
| Average total loans | $138,763,200 | 2,739 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 583 |
| Cost of funding earning assets | 1.0336% | 1,613 |
| Net interest margin | 4.4669% | 828 |
| Noninterest income to average assets | 0.2874% | 4,012 |
| Noninterest expense to average assets | 3.4973% | 956 |
| Loan and lease loss provision to assets | 0.0180% | 3,548 |
| Net operating income to assets | 0.9794% | 3,055 |
| Return on assets (ROA) | 0.9794% | 3,132 |
| Pretax return on assets | 1.0484% | 3,448 |
| Return on Equity (ROE) | 8.7902% | 2,963 |
| Retained earnings to average equity (ytd only) | 0.8577% | 4,601 |
| Net charge-offs to loans | -0.1066% | 5,003 |
| Credit loss provision to net charge-offs | -23.1481% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6336% | 1,252 |
| Assets per employee ($millions) | 4.0863% | 3,783 |
| Cash dividends to net income (ytd only)* | 90.2421% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,468 |
| Loan loss allowance to noncurrent loans | 195.2222% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,608 |
| Noncurrent loans to loans | 0.6185% | 2,425 |
| Net loans and leases to total assets | 76.4827% | 1,402 |
| Net loans and leases to deposits | 86.6152% | 2,121 |
| Net loans and leases to core deposits | 109.9677% | 953 |
| Total domestic deposits to total assets | 88.3017% | 914 |
| Equity capital to assets | 11.0540% | 3,057 |
| Core capital (leverage) ratio | 11.1648% | 2,499 |
| Tier 1 risk-based capital ratio | 13.5306% | 3,556 |
| Total risk-based capital ratio | 14.6784% | 3,518 |
| Memoranda: | ||
| Average total assets | $185,546,250 | 2,989 |
| Average earning assets | $177,627,250 | 2,938 |
| Average equity | $20,674,000 | 3,093 |
| Average total loans | $135,121,000 | 2,804 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4345% | 633 |
| Cost of funding earning assets | 1.0214% | 1,593 |
| Net interest margin | 4.4131% | 921 |
| Noninterest income to average assets | 0.2804% | 4,061 |
| Noninterest expense to average assets | 3.4795% | 982 |
| Loan and lease loss provision to assets | 0.0271% | 3,280 |
| Net operating income to assets | 0.9354% | 3,150 |
| Return on assets (ROA) | 0.9354% | 3,209 |
| Pretax return on assets | 1.0025% | 3,534 |
| Return on Equity (ROE) | 8.3724% | 3,124 |
| Retained earnings to average equity (ytd only) | -0.4458% | 4,761 |
| Net charge-offs to loans | -0.0684% | 4,913 |
| Credit loss provision to net charge-offs | -55.5556% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1669% | 1,251 |
| Assets per employee ($millions) | 4.0981% | 3,732 |
| Cash dividends to net income (ytd only)* | 105.3241% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,139 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,516 |
| Noncurrent loans to loans | 0.3625% | 3,229 |
| Net loans and leases to total assets | 71.4825% | 2,293 |
| Net loans and leases to deposits | 80.9649% | 2,847 |
| Net loans and leases to core deposits | 103.0608% | 1,464 |
| Total domestic deposits to total assets | 88.2882% | 971 |
| Equity capital to assets | 11.1532% | 2,903 |
| Core capital (leverage) ratio | 11.2945% | 2,338 |
| Tier 1 risk-based capital ratio | 14.8453% | 2,898 |
| Total risk-based capital ratio | 16.0701% | 2,833 |
| Memoranda: | ||
| Average total assets | $184,739,000 | 3,008 |
| Average earning assets | $177,018,670 | 2,950 |
| Average equity | $20,639,330 | 3,090 |
| Average total loans | $131,654,670 | 2,847 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 692 |
| Cost of funding earning assets | 1.0117% | 1,523 |
| Net interest margin | 4.3428% | 1,019 |
| Noninterest income to average assets | 0.2769% | 4,030 |
| Noninterest expense to average assets | 3.4829% | 990 |
| Loan and lease loss provision to assets | 0.0541% | 2,582 |
| Net operating income to assets | 0.8394% | 3,486 |
| Return on assets (ROA) | 0.8394% | 3,528 |
| Pretax return on assets | 0.8999% | 3,769 |
| Return on Equity (ROE) | 7.5067% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.3132% | 1,920 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4983% | 1,214 |
| Assets per employee ($millions) | 4.1711% | 3,672 |
| Cash dividends to net income (ytd only)* | 2.5773% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,433 |
| Loan loss allowance to noncurrent loans | 329.3413% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 3,518 |
| Noncurrent loans to loans | 0.3731% | 3,251 |
| Net loans and leases to total assets | 72.2700% | 2,108 |
| Net loans and leases to deposits | 82.1814% | 2,593 |
| Net loans and leases to core deposits | 93.5664% | 2,164 |
| Total domestic deposits to total assets | 87.9396% | 1,368 |
| Equity capital to assets | 11.3934% | 2,493 |
| Core capital (leverage) ratio | 11.4367% | 2,181 |
| Tier 1 risk-based capital ratio | 14.9733% | 2,900 |
| Total risk-based capital ratio | 16.1522% | 2,848 |
| Memoranda: | ||
| Average total assets | $184,902,000 | 3,034 |
| Average earning assets | $177,119,500 | 2,984 |
| Average equity | $20,675,000 | 3,097 |
| Average total loans | $130,723,500 | 2,896 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3942% | 484 |
| Cost of funding earning assets | 0.7462% | 1,814 |
| Net interest margin | 4.6480% | 548 |
| Noninterest income to average assets | 0.3570% | 3,704 |
| Noninterest expense to average assets | 3.1351% | 1,715 |
| Loan and lease loss provision to assets | 0.1137% | 1,937 |
| Net operating income to assets | 1.4598% | 1,241 |
| Return on assets (ROA) | 1.4598% | 1,231 |
| Pretax return on assets | 1.5627% | 1,582 |
| Return on Equity (ROE) | 13.1837% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.0253% | 854 |
| Net charge-offs to loans | 0.0741% | 2,058 |
| Credit loss provision to net charge-offs | 210.5263% | 1,376 |
| Earnings coverage of net charge-offs (x) | 31.0421% | 1,561 |
| Efficiency ratio | 65.1583% | 3,005 |
| Assets per employee ($millions) | 4.3320% | 3,407 |
| Cash dividends to net income (ytd only)* | 31.5421% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,155 |
| Loan loss allowance to noncurrent loans | 318.6275% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 3,485 |
| Noncurrent loans to loans | 0.4011% | 3,090 |
| Net loans and leases to total assets | 67.3926% | 2,953 |
| Net loans and leases to deposits | 76.1435% | 3,339 |
| Net loans and leases to core deposits | 85.9548% | 2,921 |
| Total domestic deposits to total assets | 88.5074% | 1,068 |
| Equity capital to assets | 10.9729% | 2,717 |
| Core capital (leverage) ratio | 11.6751% | 1,973 |
| Tier 1 risk-based capital ratio | 15.8236% | 2,487 |
| Total risk-based capital ratio | 17.0732% | 2,407 |
| Memoranda: | ||
| Average total assets | $175,910,000 | 3,104 |
| Average earning assets | $168,588,600 | 3,041 |
| Average equity | $19,478,600 | 3,138 |
| Average total loans | $128,122,400 | 2,898 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 443 |
| Cost of funding earning assets | 0.6897% | 1,906 |
| Net interest margin | 4.7099% | 465 |
| Noninterest income to average assets | 0.3177% | 4,023 |
| Noninterest expense to average assets | 3.1971% | 1,527 |
| Loan and lease loss provision to assets | 0.1154% | 1,755 |
| Net operating income to assets | 1.4178% | 1,426 |
| Return on assets (ROA) | 1.4178% | 1,424 |
| Pretax return on assets | 1.5178% | 1,845 |
| Return on Equity (ROE) | 12.7728% | 1,511 |
| Retained earnings to average equity (ytd only) | 7.9215% | 1,693 |
| Net charge-offs to loans | 0.1080% | 1,404 |
| Credit loss provision to net charge-offs | 144.2308% | 1,765 |
| Earnings coverage of net charge-offs (x) | 20.4140% | 1,961 |
| Efficiency ratio | 66.1889% | 2,836 |
| Assets per employee ($millions) | 4.5342% | 3,067 |
| Cash dividends to net income (ytd only)* | 37.9816% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,577 |
| Loan loss allowance to noncurrent loans | 301.1538% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 3,512 |
| Noncurrent loans to loans | 0.4014% | 3,212 |
| Net loans and leases to total assets | 72.3658% | 2,279 |
| Net loans and leases to deposits | 82.0103% | 2,815 |
| Net loans and leases to core deposits | 92.9682% | 2,395 |
| Total domestic deposits to total assets | 88.2399% | 1,140 |
| Equity capital to assets | 11.1748% | 2,503 |
| Core capital (leverage) ratio | 11.3912% | 2,257 |
| Tier 1 risk-based capital ratio | 14.9910% | 2,887 |
| Total risk-based capital ratio | 16.1668% | 2,836 |
| Memoranda: | ||
| Average total assets | $173,318,250 | 3,157 |
| Average earning assets | $166,059,000 | 3,089 |
| Average equity | $19,238,250 | 3,182 |
| Average total loans | $128,362,500 | 2,920 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 427 |
| Cost of funding earning assets | 0.6345% | 2,020 |
| Net interest margin | 4.7182% | 416 |
| Noninterest income to average assets | 0.3079% | 4,110 |
| Noninterest expense to average assets | 3.2379% | 1,457 |
| Loan and lease loss provision to assets | 0.1162% | 1,710 |
| Net operating income to assets | 1.3756% | 1,521 |
| Return on assets (ROA) | 1.3756% | 1,523 |
| Pretax return on assets | 1.4720% | 1,918 |
| Return on Equity (ROE) | 12.4213% | 1,570 |
| Retained earnings to average equity (ytd only) | 5.0776% | 3,033 |
| Net charge-offs to loans | -0.0406% | 4,846 |
| Credit loss provision to net charge-offs | -384.6154% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0920% | 2,802 |
| Assets per employee ($millions) | 4.4456% | 3,214 |
| Cash dividends to net income (ytd only)* | 59.1216% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,285 |
| Loan loss allowance to noncurrent loans | 153.4949% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 2,368 |
| Noncurrent loans to loans | 0.8323% | 2,059 |
| Net loans and leases to total assets | 73.4094% | 2,057 |
| Net loans and leases to deposits | 82.9477% | 2,659 |
| Net loans and leases to core deposits | 94.6198% | 2,166 |
| Total domestic deposits to total assets | 88.5008% | 1,144 |
| Equity capital to assets | 11.0389% | 2,603 |
| Core capital (leverage) ratio | 11.3321% | 2,223 |
| Tier 1 risk-based capital ratio | 14.4636% | 3,135 |
| Total risk-based capital ratio | 15.6975% | 3,052 |
| Memoranda: | ||
| Average total assets | $172,146,000 | 3,190 |
| Average earning assets | $164,849,670 | 3,117 |
| Average equity | $19,064,000 | 3,215 |
| Average total loans | $127,972,000 | 2,938 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 393 |
| Cost of funding earning assets | 0.5968% | 2,077 |
| Net interest margin | 4.7206% | 396 |
| Noninterest income to average assets | 0.3055% | 4,119 |
| Noninterest expense to average assets | 3.2321% | 1,496 |
| Loan and lease loss provision to assets | 0.1166% | 1,625 |
| Net operating income to assets | 1.3805% | 1,394 |
| Return on assets (ROA) | 1.3805% | 1,412 |
| Pretax return on assets | 1.4761% | 1,743 |
| Return on Equity (ROE) | 12.4458% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.4458% | 607 |
| Net charge-offs to loans | -0.0816% | 5,147 |
| Credit loss provision to net charge-offs | -192.3077% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9889% | 3,008 |
| Assets per employee ($millions) | 4.2992% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,611 |
| Loan loss allowance to noncurrent loans | 191.2575% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,914 |
| Noncurrent loans to loans | 0.6451% | 2,611 |
| Net loans and leases to total assets | 74.3438% | 1,805 |
| Net loans and leases to deposits | 84.1729% | 2,372 |
| Net loans and leases to core deposits | 94.8919% | 2,064 |
| Total domestic deposits to total assets | 88.3227% | 1,450 |
| Equity capital to assets | 11.2074% | 2,382 |
| Core capital (leverage) ratio | 11.3656% | 2,108 |
| Tier 1 risk-based capital ratio | 14.9695% | 2,877 |
| Total risk-based capital ratio | 16.2009% | 2,820 |
| Memoranda: | ||
| Average total assets | $171,530,500 | 3,233 |
| Average earning assets | $164,215,000 | 3,159 |
| Average equity | $19,026,500 | 3,247 |
| Average total loans | $127,497,000 | 2,967 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 509 |
| Cost of funding earning assets | 0.5424% | 2,011 |
| Net interest margin | 4.5796% | 522 |
| Noninterest income to average assets | 0.3039% | 4,284 |
| Noninterest expense to average assets | 3.1376% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4290% | 953 |
| Return on assets (ROA) | 1.4290% | 968 |
| Pretax return on assets | 1.5294% | 1,527 |
| Return on Equity (ROE) | 13.7687% | 795 |
| Retained earnings to average equity (ytd only) | 8.7955% | 544 |
| Net charge-offs to loans | -0.0160% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2300% | 3,046 |
| Assets per employee ($millions) | 4.2774% | 3,527 |
| Cash dividends to net income (ytd only)* | 36.1201% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,710 |
| Loan loss allowance to noncurrent loans | 208.7912% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 3,159 |
| Noncurrent loans to loans | 0.5798% | 2,767 |
| Net loans and leases to total assets | 72.4925% | 2,157 |
| Net loans and leases to deposits | 81.8816% | 2,730 |
| Net loans and leases to core deposits | 92.8876% | 2,292 |
| Total domestic deposits to total assets | 88.5333% | 1,234 |
| Equity capital to assets | 10.9764% | 2,647 |
| Core capital (leverage) ratio | 10.7961% | 2,538 |
| Tier 1 risk-based capital ratio | 14.7097% | 2,985 |
| Total risk-based capital ratio | 15.8977% | 2,939 |
| Memoranda: | ||
| Average total assets | $172,425,000 | 3,219 |
| Average earning assets | $164,272,800 | 3,149 |
| Average equity | $17,895,600 | 3,382 |
| Average total loans | $125,000,200 | 2,989 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 561 |
| Cost of funding earning assets | 0.5182% | 2,122 |
| Net interest margin | 4.5239% | 569 |
| Noninterest income to average assets | 0.3064% | 4,337 |
| Noninterest expense to average assets | 3.1319% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3830% | 1,129 |
| Return on assets (ROA) | 1.3830% | 1,145 |
| Pretax return on assets | 1.4795% | 1,845 |
| Return on Equity (ROE) | 13.5182% | 928 |
| Retained earnings to average equity (ytd only) | 6.8044% | 1,795 |
| Net charge-offs to loans | -0.0203% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9163% | 2,886 |
| Assets per employee ($millions) | 4.6353% | 2,923 |
| Cash dividends to net income (ytd only)* | 49.6654% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,828 |
| Loan loss allowance to noncurrent loans | 221.7518% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 1,888 |
| Noncurrent loans to loans | 0.5484% | 3,054 |
| Net loans and leases to total assets | 66.5509% | 3,035 |
| Net loans and leases to deposits | 74.1555% | 3,543 |
| Net loans and leases to core deposits | 85.2351% | 3,032 |
| Total domestic deposits to total assets | 89.7451% | 560 |
| Equity capital to assets | 9.8186% | 4,125 |
| Core capital (leverage) ratio | 10.2888% | 3,215 |
| Tier 1 risk-based capital ratio | 14.2911% | 3,305 |
| Total risk-based capital ratio | 15.4872% | 3,231 |
| Memoranda: | ||
| Average total assets | $172,757,500 | 3,234 |
| Average earning assets | $164,398,250 | 3,180 |
| Average equity | $17,674,500 | 3,438 |
| Average total loans | $124,862,500 | 3,015 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 622 |
| Cost of funding earning assets | 0.4770% | 2,354 |
| Net interest margin | 4.4713% | 604 |
| Noninterest income to average assets | 0.3050% | 4,355 |
| Noninterest expense to average assets | 3.2076% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2591% | 1,410 |
| Return on assets (ROA) | 1.2591% | 1,437 |
| Pretax return on assets | 1.3469% | 2,222 |
| Return on Equity (ROE) | 12.1273% | 1,263 |
| Retained earnings to average equity (ytd only) | 1.9545% | 4,472 |
| Net charge-offs to loans | -0.0288% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4273% | 2,596 |
| Assets per employee ($millions) | 4.2855% | 3,460 |
| Cash dividends to net income (ytd only)* | 83.8831% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,067 |
| Loan loss allowance to noncurrent loans | 150.8946% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 1,502 |
| Noncurrent loans to loans | 0.7901% | 2,429 |
| Net loans and leases to total assets | 71.6043% | 2,263 |
| Net loans and leases to deposits | 79.8721% | 2,923 |
| Net loans and leases to core deposits | 92.6929% | 2,282 |
| Total domestic deposits to total assets | 89.6486% | 664 |
| Equity capital to assets | 9.9575% | 3,961 |
| Core capital (leverage) ratio | 10.3122% | 3,127 |
| Tier 1 risk-based capital ratio | 13.7803% | 3,547 |
| Total risk-based capital ratio | 14.9812% | 3,490 |
| Memoranda: | ||
| Average total assets | $168,539,000 | 3,302 |
| Average earning assets | $160,176,000 | 3,240 |
| Average equity | $17,497,670 | 3,468 |
| Average total loans | $124,845,670 | 3,027 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 613 |
| Cost of funding earning assets | 0.4316% | 2,702 |
| Net interest margin | 4.4798% | 544 |
| Noninterest income to average assets | 0.3055% | 4,378 |
| Noninterest expense to average assets | 3.3051% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1712% | 1,582 |
| Return on assets (ROA) | 1.1712% | 1,627 |
| Pretax return on assets | 1.2537% | 2,401 |
| Return on Equity (ROE) | 11.0409% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.0409% | 598 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 2,486 |
| Assets per employee ($millions) | 4.3732% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 3,140 |
| Loan loss allowance to noncurrent loans | 110.4566% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4231% | 1,164 |
| Noncurrent loans to loans | 1.0861% | 1,888 |
| Net loans and leases to total assets | 74.3366% | 1,685 |
| Net loans and leases to deposits | 83.5819% | 2,331 |
| Net loans and leases to core deposits | 89.3710% | 2,412 |
| Total domestic deposits to total assets | 88.9386% | 1,169 |
| Equity capital to assets | 10.6829% | 2,980 |
| Core capital (leverage) ratio | 10.7281% | 2,666 |
| Tier 1 risk-based capital ratio | 14.1933% | 3,366 |
| Total risk-based capital ratio | 15.3940% | 3,311 |
| Memoranda: | ||
| Average total assets | $164,955,500 | 3,372 |
| Average earning assets | $156,613,000 | 3,318 |
| Average equity | $17,498,500 | 3,485 |
| Average total loans | $123,603,000 | 3,062 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 920 |
| Cost of funding earning assets | 0.4485% | 2,551 |
| Net interest margin | 4.3327% | 881 |
| Noninterest income to average assets | 0.0164% | 5,832 |
| Noninterest expense to average assets | 2.9797% | 2,413 |
| Loan and lease loss provision to assets | -0.3276% | 5,851 |
| Net operating income to assets | 1.3863% | 1,034 |
| Return on assets (ROA) | 1.4132% | 1,003 |
| Pretax return on assets | 1.5119% | 1,549 |
| Return on Equity (ROE) | 12.9360% | 1,005 |
| Retained earnings to average equity (ytd only) | 9.0998% | 569 |
| Net charge-offs to loans | -0.0347% | 5,296 |
| Credit loss provision to net charge-offs | 1,345.9459% | 301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0605% | 2,581 |
| Assets per employee ($millions) | 4.0932% | 3,802 |
| Cash dividends to net income (ytd only)* | 29.6555% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,957 |
| Loan loss allowance to noncurrent loans | 168.0493% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 1,575 |
| Noncurrent loans to loans | 0.7301% | 2,702 |
| Net loans and leases to total assets | 73.7029% | 1,896 |
| Net loans and leases to deposits | 82.6561% | 2,592 |
| Net loans and leases to core deposits | 87.9028% | 2,688 |
| Total domestic deposits to total assets | 89.1681% | 1,027 |
| Equity capital to assets | 10.5320% | 3,117 |
| Core capital (leverage) ratio | 10.6911% | 2,668 |
| Tier 1 risk-based capital ratio | 13.8696% | 3,536 |
| Total risk-based capital ratio | 15.0750% | 3,473 |
| Memoranda: | ||
| Average total assets | $151,994,600 | 3,488 |
| Average earning assets | $144,481,400 | 3,438 |
| Average equity | $16,604,800 | 3,610 |
| Average total loans | $106,633,600 | 3,264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 973 |
| Cost of funding earning assets | 0.4507% | 2,556 |
| Net interest margin | 4.3048% | 919 |
| Noninterest income to average assets | 0.2039% | 5,250 |
| Noninterest expense to average assets | 2.9652% | 2,416 |
| Loan and lease loss provision to assets | -0.1485% | 5,838 |
| Net operating income to assets | 1.3829% | 1,099 |
| Return on assets (ROA) | 1.4195% | 1,082 |
| Pretax return on assets | 1.5188% | 1,654 |
| Return on Equity (ROE) | 12.8668% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.5130% | 978 |
| Net charge-offs to loans | -0.0415% | 5,300 |
| Credit loss provision to net charge-offs | 518.7500% | 685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0194% | 3,039 |
| Assets per employee ($millions) | 4.5461% | 3,006 |
| Cash dividends to net income (ytd only)* | 33.8373% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,349 |
| Loan loss allowance to noncurrent loans | 163.2708% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5486% | 1,137 |
| Noncurrent loans to loans | 1.0047% | 2,235 |
| Net loans and leases to total assets | 68.8511% | 2,668 |
| Net loans and leases to deposits | 77.4661% | 3,247 |
| Net loans and leases to core deposits | 81.8485% | 3,294 |
| Total domestic deposits to total assets | 88.8790% | 972 |
| Equity capital to assets | 10.7307% | 3,331 |
| Core capital (leverage) ratio | 10.3151% | 3,213 |
| Tier 1 risk-based capital ratio | 14.5970% | 3,235 |
| Total risk-based capital ratio | 15.8509% | 3,173 |
| Memoranda: | ||
| Average total assets | $149,061,000 | 3,555 |
| Average earning assets | $141,698,750 | 3,494 |
| Average equity | $16,445,000 | 3,667 |
| Average total loans | $102,749,000 | 3,349 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 1,155 |
| Cost of funding earning assets | 0.4495% | 2,573 |
| Net interest margin | 4.2046% | 1,107 |
| Noninterest income to average assets | 0.3486% | 4,284 |
| Noninterest expense to average assets | 2.9799% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2725% | 1,353 |
| Return on assets (ROA) | 1.2916% | 1,404 |
| Pretax return on assets | 1.3822% | 2,091 |
| Return on Equity (ROE) | 11.5920% | 1,449 |
| Retained earnings to average equity (ytd only) | 4.9768% | 2,755 |
| Net charge-offs to loans | -0.0581% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6374% | 3,219 |
| Assets per employee ($millions) | 4.5870% | 2,887 |
| Cash dividends to net income (ytd only)* | 57.0670% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 854 |
| Loan loss allowance to noncurrent loans | 117.4041% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.0557% | 786 |
| Noncurrent loans to loans | 1.6414% | 1,303 |
| Net loans and leases to total assets | 64.9397% | 3,233 |
| Net loans and leases to deposits | 72.8613% | 3,714 |
| Net loans and leases to core deposits | 77.0755% | 3,730 |
| Total domestic deposits to total assets | 89.1278% | 864 |
| Equity capital to assets | 10.5330% | 3,599 |
| Core capital (leverage) ratio | 10.9525% | 2,482 |
| Tier 1 risk-based capital ratio | 14.7520% | 3,180 |
| Total risk-based capital ratio | 16.0086% | 3,121 |
| Memoranda: | ||
| Average total assets | $145,710,330 | 3,621 |
| Average earning assets | $138,373,330 | 3,557 |
| Average equity | $16,235,330 | 3,702 |
| Average total loans | $99,872,670 | 3,410 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 810 |
| Cost of funding earning assets | 0.4594% | 2,469 |
| Net interest margin | 4.3630% | 806 |
| Noninterest income to average assets | 0.3613% | 4,144 |
| Noninterest expense to average assets | 3.0671% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3345% | 1,171 |
| Return on assets (ROA) | 1.3742% | 1,147 |
| Pretax return on assets | 1.4710% | 1,683 |
| Return on Equity (ROE) | 11.9706% | 1,321 |
| Retained earnings to average equity (ytd only) | 11.9706% | 510 |
| Net charge-offs to loans | -0.0204% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2278% | 3,426 |
| Assets per employee ($millions) | 4.0505% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 765 |
| Loan loss allowance to noncurrent loans | 124.6671% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 2.3137% | 678 |
| Noncurrent loans to loans | 1.6405% | 1,395 |
| Net loans and leases to total assets | 66.4224% | 2,888 |
| Net loans and leases to deposits | 75.4624% | 3,283 |
| Net loans and leases to core deposits | 83.3983% | 2,994 |
| Total domestic deposits to total assets | 88.0205% | 1,629 |
| Equity capital to assets | 11.6007% | 2,349 |
| Core capital (leverage) ratio | 11.5894% | 1,911 |
| Tier 1 risk-based capital ratio | 15.7181% | 2,816 |
| Total risk-based capital ratio | 16.9760% | 2,752 |
| Memoranda: | ||
| Average total assets | $140,587,000 | 3,731 |
| Average earning assets | $133,210,500 | 3,664 |
| Average equity | $16,139,500 | 3,709 |
| Average total loans | $98,175,000 | 3,450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 999 |
| Cost of funding earning assets | 0.4625% | 2,514 |
| Net interest margin | 4.2927% | 973 |
| Noninterest income to average assets | 0.3017% | 4,720 |
| Noninterest expense to average assets | 3.1644% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1210% | 1,833 |
| Return on assets (ROA) | 1.1210% | 1,899 |
| Pretax return on assets | 1.1927% | 2,685 |
| Return on Equity (ROE) | 9.8435% | 2,066 |
| Retained earnings to average equity (ytd only) | 8.9385% | 664 |
| Net charge-offs to loans | 0.1034% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 17.3587% | 2,081 |
| Efficiency ratio | 72.6260% | 2,805 |
| Assets per employee ($millions) | 4.2245% | 3,531 |
| Cash dividends to net income (ytd only)* | 9.1939% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 868 |
| Loan loss allowance to noncurrent loans | 107.4521% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 2.5322% | 608 |
| Noncurrent loans to loans | 1.8210% | 1,195 |
| Net loans and leases to total assets | 70.4828% | 2,296 |
| Net loans and leases to deposits | 79.7814% | 2,842 |
| Net loans and leases to core deposits | 88.2504% | 2,575 |
| Total domestic deposits to total assets | 88.3449% | 1,452 |
| Equity capital to assets | 11.3574% | 2,492 |
| Core capital (leverage) ratio | 11.2002% | 2,215 |
| Tier 1 risk-based capital ratio | 14.5974% | 3,386 |
| Total risk-based capital ratio | 15.8543% | 3,303 |
| Memoranda: | ||
| Average total assets | $133,894,600 | 3,817 |
| Average earning assets | $126,492,400 | 3,766 |
| Average equity | $15,248,600 | 3,790 |
| Average total loans | $88,933,400 | 3,612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6992% | 1,102 |
| Cost of funding earning assets | 0.4625% | 2,559 |
| Net interest margin | 4.2367% | 1,086 |
| Noninterest income to average assets | 0.3200% | 4,652 |
| Noninterest expense to average assets | 3.1864% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0595% | 2,171 |
| Return on assets (ROA) | 1.0595% | 2,267 |
| Pretax return on assets | 1.1339% | 3,083 |
| Return on Equity (ROE) | 9.2962% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.0779% | 1,219 |
| Net charge-offs to loans | -0.0093% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7541% | 2,600 |
| Assets per employee ($millions) | 4.2604% | 3,404 |
| Cash dividends to net income (ytd only)* | 13.1058% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1207% | 745 |
| Loan loss allowance to noncurrent loans | 114.0011% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5471% | 670 |
| Noncurrent loans to loans | 1.8603% | 1,256 |
| Net loans and leases to total assets | 67.6245% | 2,750 |
| Net loans and leases to deposits | 76.4141% | 3,256 |
| Net loans and leases to core deposits | 84.4264% | 2,988 |
| Total domestic deposits to total assets | 88.4974% | 1,298 |
| Equity capital to assets | 11.0382% | 2,979 |
| Core capital (leverage) ratio | 11.1500% | 2,354 |
| Tier 1 risk-based capital ratio | 14.1516% | 3,761 |
| Total risk-based capital ratio | 15.4099% | 3,689 |
| Memoranda: | ||
| Average total assets | $132,516,500 | 3,886 |
| Average earning assets | $125,124,250 | 3,825 |
| Average equity | $15,102,500 | 3,855 |
| Average total loans | $86,112,000 | 3,711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,300 |
| Cost of funding earning assets | 0.4653% | 2,558 |
| Net interest margin | 4.1270% | 1,284 |
| Noninterest income to average assets | 0.3204% | 4,663 |
| Noninterest expense to average assets | 3.2552% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8966% | 2,893 |
| Return on assets (ROA) | 0.8966% | 3,020 |
| Pretax return on assets | 0.9598% | 3,737 |
| Return on Equity (ROE) | 7.7788% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.9344% | 2,283 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2295% | 2,169 |
| Assets per employee ($millions) | 4.0908% | 3,702 |
| Cash dividends to net income (ytd only)* | 23.7113% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 637 |
| Loan loss allowance to noncurrent loans | 119.8950% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 2.5838% | 716 |
| Noncurrent loans to loans | 1.9120% | 1,302 |
| Net loans and leases to total assets | 64.8846% | 3,140 |
| Net loans and leases to deposits | 73.1975% | 3,592 |
| Net loans and leases to core deposits | 81.5863% | 3,227 |
| Total domestic deposits to total assets | 88.6433% | 1,334 |
| Equity capital to assets | 10.9826% | 2,896 |
| Core capital (leverage) ratio | 11.6134% | 1,912 |
| Tier 1 risk-based capital ratio | 14.8677% | 3,436 |
| Total risk-based capital ratio | 16.1273% | 3,358 |
| Memoranda: | ||
| Average total assets | $129,824,000 | 3,965 |
| Average earning assets | $122,509,000 | 3,903 |
| Average equity | $14,963,670 | 3,897 |
| Average total loans | $82,437,330 | 3,813 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 1,700 |
| Cost of funding earning assets | 0.4802% | 2,450 |
| Net interest margin | 3.9384% | 1,753 |
| Noninterest income to average assets | 0.3238% | 4,594 |
| Noninterest expense to average assets | 3.3135% | 1,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6728% | 3,934 |
| Return on assets (ROA) | 0.6728% | 4,056 |
| Pretax return on assets | 0.7231% | 4,528 |
| Return on Equity (ROE) | 5.6943% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,661 |
| Net charge-offs to loans | -0.0203% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0872% | 1,606 |
| Assets per employee ($millions) | 3.7146% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5623% | 489 |
| Loan loss allowance to noncurrent loans | 112.0305% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.7515% | 728 |
| Noncurrent loans to loans | 2.2871% | 1,085 |
| Net loans and leases to total assets | 61.9663% | 3,372 |
| Net loans and leases to deposits | 70.7591% | 3,666 |
| Net loans and leases to core deposits | 74.8444% | 3,705 |
| Total domestic deposits to total assets | 87.5736% | 2,060 |
| Equity capital to assets | 12.0693% | 1,980 |
| Core capital (leverage) ratio | 11.8014% | 1,775 |
| Tier 1 risk-based capital ratio | 16.5273% | 2,671 |
| Total risk-based capital ratio | 17.7902% | 2,611 |
| Memoranda: | ||
| Average total assets | $127,238,500 | 4,039 |
| Average earning assets | $119,947,000 | 3,976 |
| Average equity | $15,032,500 | 3,908 |
| Average total loans | $78,833,000 | 3,935 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,328 |
| Cost of funding earning assets | 0.5401% | 2,288 |
| Net interest margin | 4.1522% | 1,422 |
| Noninterest income to average assets | 0.3048% | 4,933 |
| Noninterest expense to average assets | 3.3063% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8679% | 3,033 |
| Return on assets (ROA) | 0.8679% | 3,125 |
| Pretax return on assets | 0.9043% | 3,888 |
| Return on Equity (ROE) | 7.9617% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.9617% | 1,031 |
| Net charge-offs to loans | -0.2313% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5227% | 2,129 |
| Assets per employee ($millions) | 3.7700% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6569% | 452 |
| Loan loss allowance to noncurrent loans | 110.2468% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.7804% | 780 |
| Noncurrent loans to loans | 2.4099% | 1,072 |
| Net loans and leases to total assets | 58.7388% | 3,955 |
| Net loans and leases to deposits | 66.6779% | 4,247 |
| Net loans and leases to core deposits | 70.2515% | 4,304 |
| Total domestic deposits to total assets | 88.0934% | 1,724 |
| Equity capital to assets | 11.5633% | 2,375 |
| Core capital (leverage) ratio | 11.5484% | 1,945 |
| Tier 1 risk-based capital ratio | 18.9956% | 1,848 |
| Total risk-based capital ratio | 20.2630% | 1,807 |
| Memoranda: | ||
| Average total assets | $128,934,000 | 3,992 |
| Average earning assets | $121,283,800 | 3,930 |
| Average equity | $14,054,800 | 4,011 |
| Average total loans | $82,152,800 | 3,814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7365% | 1,219 |
| Cost of funding earning assets | 0.5492% | 2,303 |
| Net interest margin | 4.1873% | 1,320 |
| Noninterest income to average assets | 0.3201% | 4,872 |
| Noninterest expense to average assets | 3.3559% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8416% | 3,226 |
| Return on assets (ROA) | 0.8416% | 3,315 |
| Pretax return on assets | 0.9004% | 3,983 |
| Return on Equity (ROE) | 7.8384% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.8384% | 1,432 |
| Net charge-offs to loans | -0.2543% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8452% | 2,069 |
| Assets per employee ($millions) | 3.7601% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5263% | 628 |
| Loan loss allowance to noncurrent loans | 109.5238% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 3.0404% | 769 |
| Noncurrent loans to loans | 2.3066% | 1,298 |
| Net loans and leases to total assets | 61.0854% | 3,614 |
| Net loans and leases to deposits | 69.2384% | 4,001 |
| Net loans and leases to core deposits | 72.9721% | 4,054 |
| Total domestic deposits to total assets | 88.2247% | 1,645 |
| Equity capital to assets | 11.2919% | 2,665 |
| Core capital (leverage) ratio | 11.1137% | 2,384 |
| Tier 1 risk-based capital ratio | 18.2540% | 2,132 |
| Total risk-based capital ratio | 19.5201% | 2,089 |
| Memoranda: | ||
| Average total assets | $129,122,250 | 4,027 |
| Average earning assets | $121,381,250 | 3,962 |
| Average equity | $13,863,000 | 4,066 |
| Average total loans | $83,354,250 | 3,811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 1,455 |
| Cost of funding earning assets | 0.5552% | 2,303 |
| Net interest margin | 4.0719% | 1,600 |
| Noninterest income to average assets | 0.2254% | 5,594 |
| Noninterest expense to average assets | 3.4180% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5928% | 4,389 |
| Return on assets (ROA) | 0.5928% | 4,485 |
| Pretax return on assets | 0.6345% | 4,838 |
| Return on Equity (ROE) | 5.6173% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.6173% | 2,566 |
| Net charge-offs to loans | -0.0237% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3429% | 1,462 |
| Assets per employee ($millions) | 3.7981% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 1,191 |
| Loan loss allowance to noncurrent loans | 99.2585% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 3.0666% | 828 |
| Noncurrent loans to loans | 2.1080% | 1,578 |
| Net loans and leases to total assets | 67.9049% | 2,424 |
| Net loans and leases to deposits | 76.4794% | 2,989 |
| Net loans and leases to core deposits | 80.1450% | 3,194 |
| Total domestic deposits to total assets | 88.7885% | 1,478 |
| Equity capital to assets | 10.8290% | 3,055 |
| Core capital (leverage) ratio | 10.7214% | 2,698 |
| Tier 1 risk-based capital ratio | 16.0657% | 3,054 |
| Total risk-based capital ratio | 17.3271% | 2,987 |
| Memoranda: | ||
| Average total assets | $129,548,330 | 4,042 |
| Average earning assets | $121,761,670 | 3,973 |
| Average equity | $13,672,000 | 4,107 |
| Average total loans | $84,433,000 | 3,807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,942 |
| Cost of funding earning assets | 0.5644% | 2,301 |
| Net interest margin | 3.8917% | 2,112 |
| Noninterest income to average assets | 0.2374% | 5,462 |
| Noninterest expense to average assets | 3.4804% | 1,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3853% | 5,166 |
| Return on assets (ROA) | 0.3853% | 5,236 |
| Pretax return on assets | 0.4131% | 5,412 |
| Return on Equity (ROE) | 3.6993% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,912 |
| Net charge-offs to loans | -0.0098% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3903% | 1,091 |
| Assets per employee ($millions) | 3.5869% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2691% | 1,076 |
| Loan loss allowance to noncurrent loans | 99.7329% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 3.2201% | 837 |
| Noncurrent loans to loans | 2.2752% | 1,577 |
| Net loans and leases to total assets | 62.2739% | 3,193 |
| Net loans and leases to deposits | 69.8958% | 3,617 |
| Net loans and leases to core deposits | 73.3280% | 3,727 |
| Total domestic deposits to total assets | 89.0953% | 1,593 |
| Equity capital to assets | 10.5577% | 3,196 |
| Core capital (leverage) ratio | 10.5959% | 2,813 |
| Tier 1 risk-based capital ratio | 17.0709% | 2,659 |
| Total risk-based capital ratio | 18.3338% | 2,601 |
| Memoranda: | ||
| Average total assets | $129,755,000 | 4,074 |
| Average earning assets | $121,899,000 | 4,002 |
| Average equity | $13,516,000 | 4,149 |
| Average total loans | $81,868,000 | 3,887 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 1,470 |
| Cost of funding earning assets | 0.7071% | 1,767 |
| Net interest margin | 4.0340% | 1,857 |
| Noninterest income to average assets | 0.1682% | 6,076 |
| Noninterest expense to average assets | 3.3003% | 2,151 |
| Loan and lease loss provision to assets | -0.1126% | 6,502 |
| Net operating income to assets | 0.7462% | 3,574 |
| Return on assets (ROA) | 0.7462% | 3,664 |
| Pretax return on assets | 0.7665% | 4,274 |
| Return on Equity (ROE) | 7.6090% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.6090% | 1,190 |
| Net charge-offs to loans | 0.1459% | 3,342 |
| Credit loss provision to net charge-offs | -117.1875% | 5,901 |
| Earnings coverage of net charge-offs (x) | 6.8047% | 2,980 |
| Efficiency ratio | 83.4631% | 1,693 |
| Assets per employee ($millions) | 3.6217% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 1,051 |
| Loan loss allowance to noncurrent loans | 73.8906% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.6938% | 762 |
| Noncurrent loans to loans | 3.0986% | 1,110 |
| Net loans and leases to total assets | 61.0445% | 3,530 |
| Net loans and leases to deposits | 68.2839% | 4,011 |
| Net loans and leases to core deposits | 71.8525% | 4,092 |
| Total domestic deposits to total assets | 89.3981% | 1,384 |
| Equity capital to assets | 10.2767% | 3,415 |
| Core capital (leverage) ratio | 10.1554% | 3,354 |
| Tier 1 risk-based capital ratio | 17.4204% | 2,447 |
| Total risk-based capital ratio | 18.6844% | 2,414 |
| Memoranda: | ||
| Average total assets | $133,200,200 | 4,010 |
| Average earning assets | $125,012,600 | 3,949 |
| Average equity | $13,063,400 | 4,254 |
| Average total loans | $87,745,400 | 3,745 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 1,530 |
| Cost of funding earning assets | 0.7321% | 1,726 |
| Net interest margin | 3.9938% | 1,965 |
| Noninterest income to average assets | 0.2659% | 5,547 |
| Noninterest expense to average assets | 3.3376% | 1,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6313% | 4,207 |
| Return on assets (ROA) | 0.6313% | 4,330 |
| Pretax return on assets | 0.6761% | 4,764 |
| Return on Equity (ROE) | 6.5127% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.5127% | 2,122 |
| Net charge-offs to loans | 0.1851% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.4758% | 3,179 |
| Efficiency ratio | 83.1555% | 1,691 |
| Assets per employee ($millions) | 3.6243% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 1,206 |
| Loan loss allowance to noncurrent loans | 41.6976% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 5.5535% | 470 |
| Noncurrent loans to loans | 5.4797% | 500 |
| Net loans and leases to total assets | 66.1762% | 2,610 |
| Net loans and leases to deposits | 73.9443% | 3,238 |
| Net loans and leases to core deposits | 78.4988% | 3,297 |
| Total domestic deposits to total assets | 89.4946% | 1,301 |
| Equity capital to assets | 10.0149% | 3,880 |
| Core capital (leverage) ratio | 9.9364% | 3,761 |
| Tier 1 risk-based capital ratio | 15.5396% | 3,452 |
| Total risk-based capital ratio | 16.8042% | 3,404 |
| Memoranda: | ||
| Average total assets | $133,904,750 | 4,035 |
| Average earning assets | $125,656,750 | 3,970 |
| Average equity | $12,979,500 | 4,315 |
| Average total loans | $89,317,750 | 3,736 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 1,388 |
| Cost of funding earning assets | 0.7524% | 1,694 |
| Net interest margin | 4.0209% | 1,791 |
| Noninterest income to average assets | 0.2088% | 5,949 |
| Noninterest expense to average assets | 3.2907% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6472% | 4,071 |
| Return on assets (ROA) | 0.6472% | 4,229 |
| Pretax return on assets | 0.6931% | 4,701 |
| Return on Equity (ROE) | 6.7489% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.7489% | 2,003 |
| Net charge-offs to loans | -0.0736% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6022% | 1,810 |
| Assets per employee ($millions) | 3.6273% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5033% | 984 |
| Loan loss allowance to noncurrent loans | 79.8532% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.9875% | 867 |
| Noncurrent loans to loans | 3.1349% | 1,406 |
| Net loans and leases to total assets | 64.8992% | 2,773 |
| Net loans and leases to deposits | 72.6627% | 3,361 |
| Net loans and leases to core deposits | 76.9248% | 3,438 |
| Total domestic deposits to total assets | 89.3157% | 1,436 |
| Equity capital to assets | 9.9047% | 4,045 |
| Core capital (leverage) ratio | 9.5577% | 4,150 |
| Tier 1 risk-based capital ratio | 15.2884% | 3,607 |
| Total risk-based capital ratio | 16.5552% | 3,550 |
| Memoranda: | ||
| Average total assets | $135,047,670 | 4,040 |
| Average earning assets | $126,786,670 | 3,972 |
| Average equity | $12,950,330 | 4,352 |
| Average total loans | $89,636,000 | 3,732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,431 |
| Cost of funding earning assets | 0.7569% | 1,792 |
| Net interest margin | 3.9828% | 1,850 |
| Noninterest income to average assets | 0.0874% | 6,625 |
| Noninterest expense to average assets | 3.2110% | 2,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5769% | 4,330 |
| Return on assets (ROA) | 0.5769% | 4,480 |
| Pretax return on assets | 0.6177% | 4,882 |
| Return on Equity (ROE) | 6.1118% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.1118% | 2,617 |
| Net charge-offs to loans | -0.1407% | 6,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8661% | 1,785 |
| Assets per employee ($millions) | 3.8086% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4022% | 1,251 |
| Loan loss allowance to noncurrent loans | 73.1584% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 4.0135% | 992 |
| Noncurrent loans to loans | 3.2836% | 1,477 |
| Net loans and leases to total assets | 64.4485% | 2,622 |
| Net loans and leases to deposits | 71.7245% | 3,218 |
| Net loans and leases to core deposits | 75.9687% | 3,330 |
| Total domestic deposits to total assets | 89.8557% | 1,132 |
| Equity capital to assets | 9.5076% | 4,840 |
| Core capital (leverage) ratio | 9.2345% | 4,504 |
| Tier 1 risk-based capital ratio | 14.5503% | 4,139 |
| Total risk-based capital ratio | 15.8155% | 4,092 |
| Memoranda: | ||
| Average total assets | $137,279,500 | 4,032 |
| Average earning assets | $128,953,000 | 3,964 |
| Average equity | $12,958,500 | 4,389 |
| Average total loans | $90,992,000 | 3,723 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 1,449 |
| Cost of funding earning assets | 0.9605% | 1,582 |
| Net interest margin | 4.0826% | 2,075 |
| Noninterest income to average assets | 0.0966% | 6,524 |
| Noninterest expense to average assets | 3.3021% | 2,322 |
| Loan and lease loss provision to assets | 0.0372% | 5,417 |
| Net operating income to assets | 0.5493% | 4,484 |
| Return on assets (ROA) | 0.5500% | 4,734 |
| Pretax return on assets | 0.5648% | 5,092 |
| Return on Equity (ROE) | 5.9774% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.9774% | 2,089 |
| Net charge-offs to loans | 0.7972% | 1,468 |
| Credit loss provision to net charge-offs | 6.5104% | 5,427 |
| Earnings coverage of net charge-offs (x) | 1.0534% | 4,941 |
| Efficiency ratio | 84.5963% | 1,560 |
| Assets per employee ($millions) | 3.8180% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 1,316 |
| Loan loss allowance to noncurrent loans | 53.1235% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 5.0157% | 773 |
| Noncurrent loans to loans | 4.4115% | 979 |
| Net loans and leases to total assets | 64.9700% | 2,728 |
| Net loans and leases to deposits | 72.2235% | 3,378 |
| Net loans and leases to core deposits | 76.3209% | 3,485 |
| Total domestic deposits to total assets | 89.9569% | 972 |
| Equity capital to assets | 9.3715% | 5,037 |
| Core capital (leverage) ratio | 9.0994% | 4,739 |
| Tier 1 risk-based capital ratio | 14.3571% | 4,118 |
| Total risk-based capital ratio | 15.6220% | 4,070 |
| Memoranda: | ||
| Average total assets | $134,549,600 | 4,048 |
| Average earning assets | $125,458,200 | 3,989 |
| Average equity | $12,380,000 | 4,480 |
| Average total loans | $96,333,400 | 3,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 1,285 |
| Cost of funding earning assets | 1.0075% | 1,512 |
| Net interest margin | 4.1476% | 1,908 |
| Noninterest income to average assets | 0.0628% | 6,760 |
| Noninterest expense to average assets | 3.3267% | 2,197 |
| Loan and lease loss provision to assets | 0.0498% | 5,139 |
| Net operating income to assets | 0.5102% | 4,805 |
| Return on assets (ROA) | 0.5111% | 5,061 |
| Pretax return on assets | 0.5470% | 5,316 |
| Return on Equity (ROE) | 5.5813% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.5813% | 2,978 |
| Net charge-offs to loans | 0.9594% | 1,116 |
| Credit loss provision to net charge-offs | 7.1225% | 5,108 |
| Earnings coverage of net charge-offs (x) | 0.8518% | 4,904 |
| Efficiency ratio | 84.8108% | 1,493 |
| Assets per employee ($millions) | 3.7669% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 1,415 |
| Loan loss allowance to noncurrent loans | 51.0280% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 5.6368% | 743 |
| Noncurrent loans to loans | 4.6270% | 1,008 |
| Net loans and leases to total assets | 67.3635% | 2,391 |
| Net loans and leases to deposits | 74.9510% | 3,151 |
| Net loans and leases to core deposits | 79.2682% | 3,297 |
| Total domestic deposits to total assets | 89.8768% | 909 |
| Equity capital to assets | 9.3489% | 5,407 |
| Core capital (leverage) ratio | 9.2194% | 4,724 |
| Tier 1 risk-based capital ratio | 13.8759% | 4,632 |
| Total risk-based capital ratio | 15.1415% | 4,577 |
| Memoranda: | ||
| Average total assets | $133,825,000 | 4,099 |
| Average earning assets | $124,534,250 | 4,052 |
| Average equity | $12,254,750 | 4,547 |
| Average total loans | $97,556,000 | 3,621 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 1,416 |
| Cost of funding earning assets | 1.0535% | 1,451 |
| Net interest margin | 4.0798% | 2,167 |
| Noninterest income to average assets | -0.1771% | 7,129 |
| Noninterest expense to average assets | 3.3116% | 2,278 |
| Loan and lease loss provision to assets | 0.0751% | 4,686 |
| Net operating income to assets | 0.2118% | 5,883 |
| Return on assets (ROA) | 0.2132% | 6,067 |
| Pretax return on assets | 0.2282% | 6,101 |
| Return on Equity (ROE) | 2.3445% | 5,937 |
| Retained earnings to average equity (ytd only) | 2.3445% | 5,017 |
| Net charge-offs to loans | 1.4420% | 701 |
| Credit loss provision to net charge-offs | 7.0126% | 4,767 |
| Earnings coverage of net charge-offs (x) | 0.2819% | 4,939 |
| Efficiency ratio | 91.6494% | 948 |
| Assets per employee ($millions) | 3.5943% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 1,732 |
| Loan loss allowance to noncurrent loans | 53.5184% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 5.8697% | 737 |
| Noncurrent loans to loans | 4.1418% | 1,324 |
| Net loans and leases to total assets | 74.9347% | 1,112 |
| Net loans and leases to deposits | 83.5100% | 1,913 |
| Net loans and leases to core deposits | 88.1848% | 2,188 |
| Total domestic deposits to total assets | 89.7314% | 1,088 |
| Equity capital to assets | 9.4672% | 5,108 |
| Core capital (leverage) ratio | 9.0433% | 4,851 |
| Tier 1 risk-based capital ratio | 12.6591% | 5,445 |
| Total risk-based capital ratio | 13.9226% | 5,417 |
| Memoranda: | ||
| Average total assets | $133,230,330 | 4,137 |
| Average earning assets | $123,781,000 | 4,088 |
| Average equity | $12,113,670 | 4,577 |
| Average total loans | $98,888,000 | 3,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 1,685 |
| Cost of funding earning assets | 1.0957% | 1,424 |
| Net interest margin | 3.9656% | 2,646 |
| Noninterest income to average assets | 0.2901% | 5,549 |
| Noninterest expense to average assets | 3.2942% | 2,307 |
| Loan and lease loss provision to assets | 0.4440% | 1,403 |
| Net operating income to assets | 0.2192% | 5,926 |
| Return on assets (ROA) | 0.2220% | 6,060 |
| Pretax return on assets | 0.2397% | 6,110 |
| Return on Equity (ROE) | 2.4906% | 5,910 |
| Retained earnings to average equity (ytd only) | 2.4906% | 5,014 |
| Net charge-offs to loans | 2.6693% | 297 |
| Credit loss provision to net charge-offs | 22.7618% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.3490% | 4,186 |
| Efficiency ratio | 82.8742% | 1,818 |
| Assets per employee ($millions) | 3.7851% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4149% | 1,476 |
| Loan loss allowance to noncurrent loans | 36.2515% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 7.5500% | 533 |
| Noncurrent loans to loans | 6.6615% | 706 |
| Net loans and leases to total assets | 69.7492% | 1,799 |
| Net loans and leases to deposits | 77.2017% | 2,645 |
| Net loans and leases to core deposits | 81.7870% | 2,859 |
| Total domestic deposits to total assets | 90.3467% | 892 |
| Equity capital to assets | 8.8908% | 5,648 |
| Core capital (leverage) ratio | 8.8017% | 5,129 |
| Tier 1 risk-based capital ratio | 12.6154% | 5,505 |
| Total risk-based capital ratio | 13.8806% | 5,462 |
| Memoranda: | ||
| Average total assets | $135,148,500 | 4,123 |
| Average earning assets | $125,579,000 | 4,074 |
| Average equity | $12,045,500 | 4,601 |
| Average total loans | $98,752,500 | 3,631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 2,055 |
| Cost of funding earning assets | 1.3417% | 1,283 |
| Net interest margin | 3.8586% | 3,520 |
| Noninterest income to average assets | -0.0713% | 7,078 |
| Noninterest expense to average assets | 3.3796% | 2,294 |
| Loan and lease loss provision to assets | 0.8766% | 1,106 |
| Net operating income to assets | -0.7367% | 6,625 |
| Return on assets (ROA) | -0.7056% | 6,644 |
| Pretax return on assets | -0.7248% | 6,609 |
| Return on Equity (ROE) | -8.1659% | 6,684 |
| Retained earnings to average equity (ytd only) | -8.1659% | 6,632 |
| Net charge-offs to loans | 1.2921% | 1,276 |
| Credit loss provision to net charge-offs | 88.6167% | 4,074 |
| Earnings coverage of net charge-offs (x) | 0.1210% | 5,744 |
| Efficiency ratio | 96.5784% | 796 |
| Assets per employee ($millions) | 3.7231% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8579% | 922 |
| Loan loss allowance to noncurrent loans | 54.4020% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 6.7476% | 692 |
| Noncurrent loans to loans | 5.2532% | 1,036 |
| Net loans and leases to total assets | 72.5560% | 1,548 |
| Net loans and leases to deposits | 80.1597% | 2,494 |
| Net loans and leases to core deposits | 85.0956% | 2,737 |
| Total domestic deposits to total assets | 90.5143% | 712 |
| Equity capital to assets | 8.9351% | 5,627 |
| Core capital (leverage) ratio | 8.5848% | 5,425 |
| Tier 1 risk-based capital ratio | 12.1197% | 5,749 |
| Total risk-based capital ratio | 13.3911% | 5,711 |
| Memoranda: | ||
| Average total assets | $140,313,200 | 3,969 |
| Average earning assets | $129,839,200 | 3,934 |
| Average equity | $12,123,600 | 4,525 |
| Average total loans | $107,421,200 | 3,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 2,238 |
| Cost of funding earning assets | 1.3837% | 1,304 |
| Net interest margin | 3.8074% | 3,835 |
| Noninterest income to average assets | -0.0686% | 7,188 |
| Noninterest expense to average assets | 3.3463% | 2,361 |
| Loan and lease loss provision to assets | 0.6343% | 1,542 |
| Net operating income to assets | -0.4965% | 6,634 |
| Return on assets (ROA) | -0.4567% | 6,662 |
| Pretax return on assets | -0.4877% | 6,612 |
| Return on Equity (ROE) | -5.3286% | 6,690 |
| Retained earnings to average equity (ytd only) | -5.3286% | 6,612 |
| Net charge-offs to loans | 1.2009% | 1,304 |
| Credit loss provision to net charge-offs | 68.5976% | 4,528 |
| Earnings coverage of net charge-offs (x) | 0.1128% | 5,515 |
| Efficiency ratio | 96.9771% | 774 |
| Assets per employee ($millions) | 3.7450% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 1,328 |
| Loan loss allowance to noncurrent loans | 80.9438% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 5.6995% | 965 |
| Noncurrent loans to loans | 3.1494% | 2,205 |
| Net loans and leases to total assets | 76.8401% | 862 |
| Net loans and leases to deposits | 85.2381% | 1,798 |
| Net loans and leases to core deposits | 91.0813% | 2,111 |
| Total domestic deposits to total assets | 90.1475% | 790 |
| Equity capital to assets | 9.2257% | 5,475 |
| Core capital (leverage) ratio | 8.6071% | 5,539 |
| Tier 1 risk-based capital ratio | 11.5877% | 6,181 |
| Total risk-based capital ratio | 12.8548% | 6,159 |
| Memoranda: | ||
| Average total assets | $141,883,250 | 3,962 |
| Average earning assets | $131,145,000 | 3,933 |
| Average equity | $12,160,500 | 4,522 |
| Average total loans | $109,249,000 | 3,428 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,754 |
| Cost of funding earning assets | 1.4044% | 1,402 |
| Net interest margin | 3.6807% | 4,354 |
| Noninterest income to average assets | -0.2149% | 7,344 |
| Noninterest expense to average assets | 3.3403% | 2,429 |
| Loan and lease loss provision to assets | 0.7280% | 1,281 |
| Net operating income to assets | -0.8254% | 6,882 |
| Return on assets (ROA) | -0.7668% | 6,863 |
| Pretax return on assets | -0.8195% | 6,834 |
| Return on Equity (ROE) | -9.1647% | 6,910 |
| Retained earnings to average equity (ytd only) | -9.1647% | 6,836 |
| Net charge-offs to loans | 1.0995% | 1,432 |
| Credit loss provision to net charge-offs | 86.6337% | 3,567 |
| Earnings coverage of net charge-offs (x) | -0.1832% | 5,396 |
| Efficiency ratio | 104.8303% | 592 |
| Assets per employee ($millions) | 3.9194% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7240% | 1,153 |
| Loan loss allowance to noncurrent loans | 97.1570% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 5.3211% | 1,132 |
| Noncurrent loans to loans | 2.8037% | 2,592 |
| Net loans and leases to total assets | 74.3832% | 1,343 |
| Net loans and leases to deposits | 81.8795% | 2,474 |
| Net loans and leases to core deposits | 91.8112% | 2,164 |
| Total domestic deposits to total assets | 90.8447% | 565 |
| Equity capital to assets | 8.3835% | 6,323 |
| Core capital (leverage) ratio | 7.9758% | 6,328 |
| Tier 1 risk-based capital ratio | 10.7410% | 6,690 |
| Total risk-based capital ratio | 12.0091% | 6,663 |
| Memoranda: | ||
| Average total assets | $144,238,000 | 3,949 |
| Average earning assets | $133,291,670 | 3,919 |
| Average equity | $12,068,000 | 4,543 |
| Average total loans | $110,230,330 | 3,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 2,940 |
| Cost of funding earning assets | 1.4312% | 1,461 |
| Net interest margin | 3.6017% | 4,560 |
| Noninterest income to average assets | -0.4088% | 7,485 |
| Noninterest expense to average assets | 3.2097% | 2,866 |
| Loan and lease loss provision to assets | 0.8642% | 945 |
| Net operating income to assets | -1.0809% | 7,065 |
| Return on assets (ROA) | -1.0809% | 7,072 |
| Pretax return on assets | -1.1549% | 7,044 |
| Return on Equity (ROE) | -12.9313% | 7,097 |
| Retained earnings to average equity (ytd only) | -12.9313% | 6,971 |
| Net charge-offs to loans | 1.6409% | 817 |
| Credit loss provision to net charge-offs | 68.9278% | 3,370 |
| Earnings coverage of net charge-offs (x) | -0.2319% | 4,710 |
| Efficiency ratio | 109.9624% | 506 |
| Assets per employee ($millions) | 4.3355% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6016% | 1,309 |
| Loan loss allowance to noncurrent loans | 103.3777% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 4.9082% | 1,288 |
| Noncurrent loans to loans | 2.5166% | 2,968 |
| Net loans and leases to total assets | 73.0691% | 1,505 |
| Net loans and leases to deposits | 81.2310% | 2,489 |
| Net loans and leases to core deposits | 91.5122% | 2,173 |
| Total domestic deposits to total assets | 89.9523% | 1,176 |
| Equity capital to assets | 8.1346% | 6,360 |
| Core capital (leverage) ratio | 7.9836% | 6,274 |
| Tier 1 risk-based capital ratio | 10.4265% | 6,849 |
| Total risk-based capital ratio | 11.6925% | 6,828 |
| Memoranda: | ||
| Average total assets | $145,807,500 | 3,958 |
| Average earning assets | $134,714,500 | 3,922 |
| Average equity | $12,187,500 | 4,508 |
| Average total loans | $111,399,000 | 3,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 2,597 |
| Cost of funding earning assets | 1.9049% | 831 |
| Net interest margin | 3.5123% | 5,199 |
| Noninterest income to average assets | 0.1481% | 6,648 |
| Noninterest expense to average assets | 2.8230% | 4,508 |
| Loan and lease loss provision to assets | 3.2694% | 258 |
| Net operating income to assets | -2.5888% | 7,204 |
| Return on assets (ROA) | -2.5888% | 7,222 |
| Pretax return on assets | -2.7223% | 7,227 |
| Return on Equity (ROE) | -33.3110% | 7,270 |
| Retained earnings to average equity (ytd only) | -33.3110% | 7,260 |
| Net charge-offs to loans | 2.9070% | 586 |
| Credit loss provision to net charge-offs | 141.6185% | 2,649 |
| Earnings coverage of net charge-offs (x) | 0.2370% | 5,871 |
| Efficiency ratio | 83.7656% | 1,946 |
| Assets per employee ($millions) | 4.5065% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6904% | 1,185 |
| Loan loss allowance to noncurrent loans | 105.1550% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 5.6516% | 1,087 |
| Noncurrent loans to loans | 2.5585% | 2,973 |
| Net loans and leases to total assets | 75.7191% | 1,331 |
| Net loans and leases to deposits | 85.0300% | 2,275 |
| Net loans and leases to core deposits | 97.6918% | 1,825 |
| Total domestic deposits to total assets | 89.0498% | 1,624 |
| Equity capital to assets | 8.5876% | 5,739 |
| Core capital (leverage) ratio | 8.1260% | 5,955 |
| Tier 1 risk-based capital ratio | 10.5986% | 6,636 |
| Total risk-based capital ratio | 11.8663% | 6,594 |
| Memoranda: | ||
| Average total assets | $149,873,800 | 3,877 |
| Average earning assets | $137,486,600 | 3,867 |
| Average equity | $11,647,800 | 4,704 |
| Average total loans | $119,023,800 | 3,328 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4463% | 2,663 |
| Cost of funding earning assets | 1.9705% | 825 |
| Net interest margin | 3.4758% | 5,387 |
| Noninterest income to average assets | 0.3393% | 5,447 |
| Noninterest expense to average assets | 2.5689% | 5,431 |
| Loan and lease loss provision to assets | 4.0980% | 148 |
| Net operating income to assets | -2.9373% | 7,437 |
| Return on assets (ROA) | -2.9373% | 7,446 |
| Pretax return on assets | -3.1409% | 7,451 |
| Return on Equity (ROE) | -38.7647% | 7,479 |
| Retained earnings to average equity (ytd only) | -38.7647% | 7,476 |
| Net charge-offs to loans | 3.1751% | 463 |
| Credit loss provision to net charge-offs | 161.7391% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.3777% | 5,652 |
| Efficiency ratio | 72.8568% | 3,548 |
| Assets per employee ($millions) | 4.6844% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9909% | 825 |
| Loan loss allowance to noncurrent loans | 101.2681% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 5.7111% | 1,066 |
| Noncurrent loans to loans | 2.9535% | 2,700 |
| Net loans and leases to total assets | 72.5717% | 2,109 |
| Net loans and leases to deposits | 81.9183% | 3,125 |
| Net loans and leases to core deposits | 94.8199% | 2,407 |
| Total domestic deposits to total assets | 88.5904% | 1,633 |
| Equity capital to assets | 7.8893% | 6,875 |
| Core capital (leverage) ratio | 7.8675% | 6,500 |
| Tier 1 risk-based capital ratio | 10.3427% | 6,870 |
| Total risk-based capital ratio | 11.6140% | 6,848 |
| Memoranda: | ||
| Average total assets | $151,290,250 | 3,908 |
| Average earning assets | $138,708,250 | 3,894 |
| Average equity | $11,463,750 | 4,818 |
| Average total loans | $120,726,750 | 3,354 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 2,344 |
| Cost of funding earning assets | 2.0319% | 820 |
| Net interest margin | 3.5151% | 5,191 |
| Noninterest income to average assets | 0.2254% | 6,302 |
| Noninterest expense to average assets | 2.4711% | 5,828 |
| Loan and lease loss provision to assets | 5.8252% | 78 |
| Net operating income to assets | -4.5389% | 7,667 |
| Return on assets (ROA) | -4.5389% | 7,672 |
| Pretax return on assets | -4.8539% | 7,671 |
| Return on Equity (ROE) | -60.7247% | 7,656 |
| Retained earnings to average equity (ytd only) | -60.7247% | 7,654 |
| Net charge-offs to loans | 4.6477% | 237 |
| Credit loss provision to net charge-offs | 153.8997% | 2,552 |
| Earnings coverage of net charge-offs (x) | 0.2566% | 5,470 |
| Efficiency ratio | 71.7841% | 3,852 |
| Assets per employee ($millions) | 4.6519% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7119% | 1,082 |
| Loan loss allowance to noncurrent loans | 149.1639% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 4.8703% | 1,334 |
| Noncurrent loans to loans | 1.8180% | 3,976 |
| Net loans and leases to total assets | 75.2388% | 1,639 |
| Net loans and leases to deposits | 84.6666% | 2,757 |
| Net loans and leases to core deposits | 97.7031% | 2,264 |
| Total domestic deposits to total assets | 88.8649% | 1,513 |
| Equity capital to assets | 7.8731% | 6,869 |
| Core capital (leverage) ratio | 7.7187% | 6,589 |
| Tier 1 risk-based capital ratio | 9.8848% | 7,087 |
| Total risk-based capital ratio | 11.1521% | 7,055 |
| Memoranda: | ||
| Average total assets | $151,753,670 | 3,925 |
| Average earning assets | $138,886,670 | 3,925 |
| Average equity | $11,343,000 | 4,846 |
| Average total loans | $123,589,330 | 3,332 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 2,320 |
| Cost of funding earning assets | 2.1052% | 801 |
| Net interest margin | 3.4553% | 5,352 |
| Noninterest income to average assets | 0.1305% | 7,035 |
| Noninterest expense to average assets | 2.1723% | 6,751 |
| Loan and lease loss provision to assets | 5.8747% | 123 |
| Net operating income to assets | -4.4517% | 7,745 |
| Return on assets (ROA) | -4.4517% | 7,752 |
| Pretax return on assets | -4.7624% | 7,747 |
| Return on Equity (ROE) | -61.1412% | 7,746 |
| Retained earnings to average equity (ytd only) | -61.1412% | 7,738 |
| Net charge-offs to loans | 2.2876% | 742 |
| Credit loss provision to net charge-offs | 307.7975% | 1,278 |
| Earnings coverage of net charge-offs (x) | 0.5828% | 4,507 |
| Efficiency ratio | 66.1367% | 5,087 |
| Assets per employee ($millions) | 4.7727% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4792% | 1,324 |
| Loan loss allowance to noncurrent loans | 117.1591% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 5.0129% | 1,279 |
| Noncurrent loans to loans | 2.1161% | 3,632 |
| Net loans and leases to total assets | 79.6621% | 882 |
| Net loans and leases to deposits | 88.8058% | 2,078 |
| Net loans and leases to core deposits | 101.7853% | 1,934 |
| Total domestic deposits to total assets | 89.7037% | 1,136 |
| Equity capital to assets | 6.7441% | 7,470 |
| Core capital (leverage) ratio | 6.6491% | 7,413 |
| Tier 1 risk-based capital ratio | 8.0367% | 7,608 |
| Total risk-based capital ratio | 9.3015% | 7,615 |
| Memoranda: | ||
| Average total assets | $153,199,500 | 3,957 |
| Average earning assets | $139,843,000 | 3,968 |
| Average equity | $11,154,500 | 4,935 |
| Average total loans | $127,822,000 | 3,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0389% | 1,716 |
| Cost of funding earning assets | 2.6443% | 681 |
| Net interest margin | 3.3947% | 5,387 |
| Noninterest income to average assets | 0.3766% | 5,403 |
| Noninterest expense to average assets | 2.7231% | 5,287 |
| Loan and lease loss provision to assets | 0.9347% | 2,410 |
| Net operating income to assets | -0.1250% | 5,716 |
| Return on assets (ROA) | -0.5156% | 6,189 |
| Pretax return on assets | -0.5689% | 6,069 |
| Return on Equity (ROE) | -6.3221% | 6,336 |
| Retained earnings to average equity (ytd only) | -6.3221% | 6,179 |
| Net charge-offs to loans | 0.6795% | 3,152 |
| Credit loss provision to net charge-offs | 163.7116% | 2,676 |
| Earnings coverage of net charge-offs (x) | 1.3924% | 4,743 |
| Efficiency ratio | 77.4026% | 3,290 |
| Assets per employee ($millions) | 4.6568% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,343 |
| Loan loss allowance to noncurrent loans | 53.6286% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 4.5649% | 1,413 |
| Noncurrent loans to loans | 2.2424% | 3,344 |
| Net loans and leases to total assets | 84.1476% | 414 |
| Net loans and leases to deposits | 95.2708% | 1,420 |
| Net loans and leases to core deposits | 159.8746% | 345 |
| Total domestic deposits to total assets | 88.3246% | 1,811 |
| Equity capital to assets | 7.8146% | 6,751 |
| Core capital (leverage) ratio | 7.7077% | 6,548 |
| Tier 1 risk-based capital ratio | 8.9487% | 7,487 |
| Total risk-based capital ratio | 10.1276% | 7,537 |
| Memoranda: | ||
| Average total assets | $148,177,000 | 3,983 |
| Average earning assets | $137,127,000 | 3,955 |
| Average equity | $12,084,600 | 4,730 |
| Average total loans | $124,509,200 | 3,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9937% | 2,063 |
| Cost of funding earning assets | 2.7009% | 789 |
| Net interest margin | 3.2928% | 5,665 |
| Noninterest income to average assets | 0.3751% | 5,511 |
| Noninterest expense to average assets | 2.8427% | 4,710 |
| Loan and lease loss provision to assets | 1.1398% | 1,708 |
| Net operating income to assets | -0.5135% | 6,442 |
| Return on assets (ROA) | -1.0681% | 6,880 |
| Pretax return on assets | -1.1180% | 6,771 |
| Return on Equity (ROE) | -12.9546% | 7,072 |
| Retained earnings to average equity (ytd only) | -12.9546% | 7,006 |
| Net charge-offs to loans | 0.1378% | 5,321 |
| Credit loss provision to net charge-offs | 988.1890% | 380 |
| Earnings coverage of net charge-offs (x) | 5.1968% | 2,901 |
| Efficiency ratio | 82.5858% | 2,499 |
| Assets per employee ($millions) | 5.1011% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 2,909 |
| Loan loss allowance to noncurrent loans | 52.6662% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 4.2945% | 1,442 |
| Noncurrent loans to loans | 3.0790% | 2,457 |
| Net loans and leases to total assets | 85.7488% | 363 |
| Net loans and leases to deposits | 96.9344% | 1,455 |
| Net loans and leases to core deposits | 165.2550% | 314 |
| Total domestic deposits to total assets | 88.4607% | 1,450 |
| Equity capital to assets | 7.3487% | 7,397 |
| Core capital (leverage) ratio | 7.3914% | 7,086 |
| Tier 1 risk-based capital ratio | 8.2582% | 7,759 |
| Total risk-based capital ratio | 9.5125% | 7,779 |
| Memoranda: | ||
| Average total assets | $146,802,750 | 4,023 |
| Average earning assets | $136,739,250 | 3,991 |
| Average equity | $12,103,500 | 4,764 |
| Average total loans | $122,914,750 | 3,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 1,984 |
| Cost of funding earning assets | 2.7338% | 952 |
| Net interest margin | 3.3158% | 5,488 |
| Noninterest income to average assets | 0.2930% | 6,164 |
| Noninterest expense to average assets | 2.8578% | 4,696 |
| Loan and lease loss provision to assets | 0.3317% | 3,947 |
| Net operating income to assets | 0.1824% | 5,328 |
| Return on assets (ROA) | -0.4422% | 6,499 |
| Pretax return on assets | -0.4740% | 6,397 |
| Return on Equity (ROE) | -5.1657% | 6,627 |
| Retained earnings to average equity (ytd only) | -5.1657% | 6,326 |
| Net charge-offs to loans | 0.0837% | 5,367 |
| Credit loss provision to net charge-offs | 480.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 7.6600% | 2,409 |
| Efficiency ratio | 84.3737% | 2,434 |
| Assets per employee ($millions) | 4.9486% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 6,325 |
| Loan loss allowance to noncurrent loans | 126.6805% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.0729% | 3,098 |
| Noncurrent loans to loans | 0.7813% | 5,669 |
| Net loans and leases to total assets | 79.8855% | 1,333 |
| Net loans and leases to deposits | 91.0144% | 2,654 |
| Net loans and leases to core deposits | 151.7985% | 605 |
| Total domestic deposits to total assets | 87.7724% | 1,891 |
| Equity capital to assets | 7.8549% | 6,906 |
| Core capital (leverage) ratio | 8.1245% | 6,117 |
| Tier 1 risk-based capital ratio | 9.3202% | 7,523 |
| Total risk-based capital ratio | 10.2683% | 7,703 |
| Memoranda: | ||
| Average total assets | $144,726,000 | 4,089 |
| Average earning assets | $135,051,000 | 4,047 |
| Average equity | $12,389,330 | 4,715 |
| Average total loans | $119,424,000 | 3,549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2118% | 1,561 |
| Cost of funding earning assets | 2.7890% | 1,007 |
| Net interest margin | 3.4228% | 5,041 |
| Noninterest income to average assets | 0.3704% | 5,459 |
| Noninterest expense to average assets | 2.9861% | 3,831 |
| Loan and lease loss provision to assets | 0.3134% | 3,462 |
| Net operating income to assets | 0.2507% | 5,484 |
| Return on assets (ROA) | 0.2507% | 5,648 |
| Pretax return on assets | 0.2564% | 5,798 |
| Return on Equity (ROE) | 2.8028% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.8028% | 4,321 |
| Net charge-offs to loans | 0.1638% | 3,658 |
| Credit loss provision to net charge-offs | 229.1667% | 1,995 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,955 |
| Efficiency ratio | 83.9744% | 2,310 |
| Assets per employee ($millions) | 4.4954% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 6,632 |
| Loan loss allowance to noncurrent loans | 360.8553% | 966 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 3,185 |
| Noncurrent loans to loans | 0.2563% | 6,797 |
| Net loans and leases to total assets | 81.6777% | 1,066 |
| Net loans and leases to deposits | 94.4114% | 2,207 |
| Net loans and leases to core deposits | 156.1748% | 561 |
| Total domestic deposits to total assets | 86.5125% | 2,437 |
| Equity capital to assets | 8.7666% | 5,671 |
| Core capital (leverage) ratio | 8.9554% | 4,785 |
| Tier 1 risk-based capital ratio | 10.0235% | 6,893 |
| Total risk-based capital ratio | 10.9092% | 7,212 |
| Memoranda: | ||
| Average total assets | $140,385,500 | 4,180 |
| Average earning assets | $130,654,500 | 4,143 |
| Average equity | $12,559,000 | 4,688 |
| Average total loans | $117,248,500 | 3,616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8365% | 1,562 |
| Cost of funding earning assets | 3.2285% | 1,103 |
| Net interest margin | 3.6080% | 4,846 |
| Noninterest income to average assets | 0.3610% | 5,835 |
| Noninterest expense to average assets | 2.9138% | 4,400 |
| Loan and lease loss provision to assets | 0.9687% | 1,520 |
| Net operating income to assets | -0.1589% | 6,572 |
| Return on assets (ROA) | -0.1589% | 6,416 |
| Pretax return on assets | -0.1688% | 6,344 |
| Return on Equity (ROE) | -1.6447% | 6,458 |
| Retained earnings to average equity (ytd only) | -7.3619% | 6,819 |
| Net charge-offs to loans | 1.3076% | 910 |
| Credit loss provision to net charge-offs | 86.8975% | 5,745 |
| Earnings coverage of net charge-offs (x) | 0.7176% | 5,794 |
| Efficiency ratio | 78.4593% | 2,842 |
| Assets per employee ($millions) | 4.1491% | 3,215 |
| Cash dividends to net income (ytd only)* | -347.6190% | 8,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 6,714 |
| Loan loss allowance to noncurrent loans | 147.6462% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 2.0085% | 2,450 |
| Noncurrent loans to loans | 0.6048% | 5,558 |
| Net loans and leases to total assets | 83.8963% | 899 |
| Net loans and leases to deposits | 97.1630% | 2,262 |
| Net loans and leases to core deposits | 162.3673% | 529 |
| Total domestic deposits to total assets | 86.3459% | 2,241 |
| Equity capital to assets | 9.1346% | 5,175 |
| Core capital (leverage) ratio | 9.1688% | 4,488 |
| Tier 1 risk-based capital ratio | 10.1684% | 6,555 |
| Total risk-based capital ratio | 11.0231% | 6,877 |
| Memoranda: | ||
| Average total assets | $132,129,800 | 4,230 |
| Average earning assets | $122,783,000 | 4,196 |
| Average equity | $12,768,400 | 4,632 |
| Average total loans | $112,647,000 | 3,623 |