Home > Monterey County Bank > Performance and Condition Ratios
Monterey County 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 | 5.0029% | 2,062 |
| Cost of funding earning assets | 1.4372% | 2,116 |
| Net interest margin | 3.5657% | 2,032 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.4106% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3283% | 3,987 |
| Return on assets (ROA) | 0.3355% | 3,975 |
| Pretax return on assets | 0.2190% | 4,178 |
| Return on Equity (ROE) | 8.6700% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.6745% | 1,339 |
| Net charge-offs to loans | 0.0176% | 2,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,501 |
| Efficiency ratio | 94.1528% | 297 |
| Assets per employee ($millions) | 5.7824% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 226 |
| Loan loss allowance to noncurrent loans | 42.2975% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 7.5653% | 13 |
| Noncurrent loans to loans | 5.5880% | 37 |
| Net loans and leases to total assets | 32.6200% | 4,242 |
| Net loans and leases to deposits | 39.4784% | 4,211 |
| Net loans and leases to core deposits | 42.3892% | 4,239 |
| Total domestic deposits to total assets | 82.6200% | 2,981 |
| Equity capital to assets | 5.1293% | 4,393 |
| Core capital (leverage) ratio | 9.2979% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9135% | 936 |
| Memoranda: | ||
| Average total assets | $207,732,200 | 2,938 |
| Average earning assets | $168,661,400 | 3,108 |
| Average equity | $8,035,000 | 3,920 |
| Average total loans | $68,149,200 | 3,577 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,833 |
| Cost of funding earning assets | 1.2527% | 2,277 |
| Net interest margin | 3.7432% | 1,697 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 3.2735% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6435% | 3,442 |
| Return on assets (ROA) | 0.6530% | 3,415 |
| Pretax return on assets | 0.6530% | 3,638 |
| Return on Equity (ROE) | 18.3300% | 909 |
| Retained earnings to average equity (ytd only) | 18.3299% | 325 |
| Net charge-offs to loans | -0.0059% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.5721% | 638 |
| Assets per employee ($millions) | 5.9880% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 206 |
| Loan loss allowance to noncurrent loans | 42.4027% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 7.3180% | 12 |
| Noncurrent loans to loans | 5.8130% | 38 |
| Net loans and leases to total assets | 30.4500% | 4,304 |
| Net loans and leases to deposits | 35.5390% | 4,304 |
| Net loans and leases to core deposits | 37.9846% | 4,296 |
| Total domestic deposits to total assets | 85.6900% | 2,285 |
| Equity capital to assets | 2.5188% | 4,519 |
| Core capital (leverage) ratio | 8.5456% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2809% | 1,480 |
| Memoranda: | ||
| Average total assets | $209,069,000 | 2,928 |
| Average earning assets | $169,870,000 | 3,101 |
| Average equity | $7,448,500 | 3,999 |
| Average total loans | $68,284,250 | 3,587 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 1,891 |
| Cost of funding earning assets | 0.9784% | 2,674 |
| Net interest margin | 3.8677% | 1,491 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 3.2226% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2968% | 4,160 |
| Return on assets (ROA) | 0.3112% | 4,163 |
| Pretax return on assets | 0.3112% | 4,217 |
| Return on Equity (ROE) | 7.9500% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.9543% | 1,978 |
| Net charge-offs to loans | -0.0058% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.5669% | 312 |
| Assets per employee ($millions) | 6.0617% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4319% | 243 |
| Loan loss allowance to noncurrent loans | 41.3970% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 7.2715% | 19 |
| Noncurrent loans to loans | 5.8745% | 38 |
| Net loans and leases to total assets | 30.4800% | 4,318 |
| Net loans and leases to deposits | 36.0136% | 4,295 |
| Net loans and leases to core deposits | 38.3581% | 4,286 |
| Total domestic deposits to total assets | 84.6500% | 2,642 |
| Equity capital to assets | 4.0201% | 4,500 |
| Core capital (leverage) ratio | 8.9607% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5972% | 1,017 |
| Memoranda: | ||
| Average total assets | $208,898,667 | 2,940 |
| Average earning assets | $170,283,000 | 3,104 |
| Average equity | $8,171,667 | 3,934 |
| Average total loans | $69,232,333 | 3,580 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 2,444 |
| Cost of funding earning assets | 0.5123% | 3,648 |
| Net interest margin | 3.9269% | 1,415 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 3.0742% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5048% | 3,885 |
| Return on assets (ROA) | 0.5105% | 3,835 |
| Pretax return on assets | 0.5105% | 3,980 |
| Return on Equity (ROE) | 8.7900% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.7880% | 2,006 |
| Net charge-offs to loans | -0.0057% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.8954% | 514 |
| Assets per employee ($millions) | 5.8318% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3599% | 259 |
| Loan loss allowance to noncurrent loans | 41.4779% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 7.5532% | 6 |
| Noncurrent loans to loans | 5.6895% | 44 |
| Net loans and leases to total assets | 32.6600% | 4,304 |
| Net loans and leases to deposits | 37.1225% | 4,289 |
| Net loans and leases to core deposits | 38.9140% | 4,295 |
| Total domestic deposits to total assets | 87.9700% | 1,935 |
| Equity capital to assets | 2.8563% | 4,605 |
| Core capital (leverage) ratio | 9.3202% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6622% | 1,047 |
| Memoranda: | ||
| Average total assets | $211,565,500 | 2,961 |
| Average earning assets | $179,583,500 | 3,068 |
| Average equity | $12,289,500 | 3,548 |
| Average total loans | $70,705,500 | 3,592 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 3,114 |
| Cost of funding earning assets | 0.2247% | 3,556 |
| Net interest margin | 3.2619% | 2,671 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.9401% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0606% | 4,535 |
| Return on assets (ROA) | 0.6626% | 3,678 |
| Pretax return on assets | 1.0833% | 2,824 |
| Return on Equity (ROE) | 7.7700% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.7738% | 1,925 |
| Net charge-offs to loans | 0.1524% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 6.3478% | 2,337 |
| Efficiency ratio | 90.1511% | 300 |
| Assets per employee ($millions) | 6.0838% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2025% | 304 |
| Loan loss allowance to noncurrent loans | 41.4672% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 7.0396% | 9 |
| Noncurrent loans to loans | 5.3114% | 46 |
| Net loans and leases to total assets | 32.6600% | 4,321 |
| Net loans and leases to deposits | 36.3706% | 4,334 |
| Net loans and leases to core deposits | 37.6691% | 4,337 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 8.5605% | 2,669 |
| Core capital (leverage) ratio | 9.5838% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5367% | 891 |
| Memoranda: | ||
| Average total assets | $227,269,600 | 2,858 |
| Average earning assets | $197,614,200 | 2,955 |
| Average equity | $19,372,800 | 3,004 |
| Average total loans | $75,455,600 | 3,482 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 2,898 |
| Cost of funding earning assets | 0.2294% | 2,937 |
| Net interest margin | 3.1780% | 2,690 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.8615% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3617% | 4,303 |
| Return on assets (ROA) | 1.4977% | 840 |
| Pretax return on assets | 1.4982% | 1,413 |
| Return on Equity (ROE) | 21.8600% | 297 |
| Retained earnings to average equity (ytd only) | 21.8584% | 67 |
| Net charge-offs to loans | 0.2034% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 5.2759% | 2,149 |
| Efficiency ratio | 88.7624% | 360 |
| Assets per employee ($millions) | 6.4743% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 345 |
| Loan loss allowance to noncurrent loans | 41.5012% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 6.5966% | 9 |
| Noncurrent loans to loans | 5.3048% | 51 |
| Net loans and leases to total assets | 30.6700% | 4,404 |
| Net loans and leases to deposits | 34.0873% | 4,419 |
| Net loans and leases to core deposits | 35.0951% | 4,419 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 8.5046% | 2,544 |
| Core capital (leverage) ratio | 9.1749% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1475% | 967 |
| Memoranda: | ||
| Average total assets | $225,235,750 | 2,889 |
| Average earning assets | $193,577,250 | 3,000 |
| Average equity | $15,432,250 | 3,369 |
| Average total loans | $76,033,250 | 3,483 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 2,589 |
| Cost of funding earning assets | 0.2660% | 2,074 |
| Net interest margin | 3.0805% | 2,599 |
| Noninterest income to average assets | 0.5309% | 2,038 |
| Noninterest expense to average assets | 2.8021% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3603% | 4,187 |
| Return on assets (ROA) | 2.0645% | 203 |
| Pretax return on assets | 2.0654% | 328 |
| Return on Equity (ROE) | 32.9014% | 45 |
| Retained earnings to average equity (ytd only) | 32.9014% | 20 |
| Net charge-offs to loans | 0.3012% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 3.4655% | 1,994 |
| Efficiency ratio | 88.5828% | 471 |
| Assets per employee ($millions) | 5.8506% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2430% | 353 |
| Loan loss allowance to noncurrent loans | 41.4968% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 7.2989% | 9 |
| Noncurrent loans to loans | 5.4053% | 50 |
| Net loans and leases to total assets | 33.2737% | 4,358 |
| Net loans and leases to deposits | 35.3571% | 4,411 |
| Net loans and leases to core deposits | 36.4165% | 4,421 |
| Total domestic deposits to total assets | 94.1074% | 264 |
| Equity capital to assets | 4.1715% | 4,607 |
| Core capital (leverage) ratio | 9.2496% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5049% | 1,077 |
| Memoranda: | ||
| Average total assets | $222,622,667 | 2,925 |
| Average earning assets | $190,227,000 | 3,064 |
| Average equity | $13,969,000 | 3,588 |
| Average total loans | $77,016,000 | 3,503 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 2,715 |
| Cost of funding earning assets | 0.2661% | 1,964 |
| Net interest margin | 2.9252% | 2,751 |
| Noninterest income to average assets | 0.2852% | 3,421 |
| Noninterest expense to average assets | 2.7521% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0525% | 4,513 |
| Return on assets (ROA) | 0.0525% | 4,489 |
| Pretax return on assets | 0.0525% | 4,487 |
| Return on Equity (ROE) | 0.7246% | 4,458 |
| Retained earnings to average equity (ytd only) | 0.7246% | 3,873 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1285% | 276 |
| Assets per employee ($millions) | 6.0316% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2595% | 399 |
| Loan loss allowance to noncurrent loans | 41.9237% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 6.9970% | 9 |
| Noncurrent loans to loans | 5.3895% | 61 |
| Net loans and leases to total assets | 33.4560% | 4,322 |
| Net loans and leases to deposits | 38.1838% | 4,317 |
| Net loans and leases to core deposits | 39.3000% | 4,328 |
| Total domestic deposits to total assets | 87.6183% | 2,700 |
| Equity capital to assets | 6.1317% | 4,557 |
| Core capital (leverage) ratio | 8.6340% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8157% | 1,559 |
| Memoranda: | ||
| Average total assets | $228,624,000 | 2,908 |
| Average earning assets | $196,908,000 | 3,029 |
| Average equity | $16,560,500 | 3,430 |
| Average total loans | $79,679,500 | 3,463 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 2,183 |
| Cost of funding earning assets | 0.3104% | 2,290 |
| Net interest margin | 3.3656% | 2,128 |
| Noninterest income to average assets | 0.1982% | 4,172 |
| Noninterest expense to average assets | 3.0960% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0174% | 4,689 |
| Return on assets (ROA) | 0.0388% | 4,672 |
| Pretax return on assets | 0.0989% | 4,639 |
| Return on Equity (ROE) | 0.4620% | 4,662 |
| Retained earnings to average equity (ytd only) | 0.4620% | 4,384 |
| Net charge-offs to loans | -0.5739% | 4,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1130% | 155 |
| Assets per employee ($millions) | 6.1600% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 539 |
| Loan loss allowance to noncurrent loans | 43.0282% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 6.6285% | 12 |
| Noncurrent loans to loans | 4.8319% | 77 |
| Net loans and leases to total assets | 34.7082% | 4,347 |
| Net loans and leases to deposits | 41.5081% | 4,289 |
| Net loans and leases to core deposits | 42.6617% | 4,319 |
| Total domestic deposits to total assets | 83.6180% | 3,657 |
| Equity capital to assets | 8.3036% | 4,177 |
| Core capital (leverage) ratio | 8.2868% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5060% | 1,388 |
| Memoranda: | ||
| Average total assets | $234,592,000 | 2,822 |
| Average earning assets | $203,918,200 | 2,926 |
| Average equity | $19,697,600 | 3,240 |
| Average total loans | $97,404,200 | 3,231 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 2,436 |
| Cost of funding earning assets | 0.3176% | 2,426 |
| Net interest margin | 3.3283% | 2,341 |
| Noninterest income to average assets | 0.2971% | 3,667 |
| Noninterest expense to average assets | 2.9561% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2131% | 4,617 |
| Return on assets (ROA) | 0.3408% | 4,486 |
| Pretax return on assets | 0.3743% | 4,522 |
| Return on Equity (ROE) | 4.0479% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.0479% | 3,563 |
| Net charge-offs to loans | -0.0040% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6638% | 255 |
| Assets per employee ($millions) | 6.4585% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,483 |
| Loan loss allowance to noncurrent loans | 29.8546% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 6.9403% | 13 |
| Noncurrent loans to loans | 4.3562% | 103 |
| Net loans and leases to total assets | 36.1796% | 4,380 |
| Net loans and leases to deposits | 43.0512% | 4,346 |
| Net loans and leases to core deposits | 44.0925% | 4,375 |
| Total domestic deposits to total assets | 84.0386% | 3,447 |
| Equity capital to assets | 8.2519% | 4,383 |
| Core capital (leverage) ratio | 8.3028% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5356% | 1,783 |
| Memoranda: | ||
| Average total assets | $234,720,000 | 2,850 |
| Average earning assets | $204,021,750 | 2,952 |
| Average equity | $19,762,750 | 3,273 |
| Average total loans | $101,012,750 | 3,226 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 2,576 |
| Cost of funding earning assets | 0.3248% | 2,547 |
| Net interest margin | 3.2899% | 2,474 |
| Noninterest income to average assets | 0.1557% | 4,415 |
| Noninterest expense to average assets | 3.0716% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0466% | 4,783 |
| Return on assets (ROA) | 0.2267% | 4,620 |
| Pretax return on assets | 0.2786% | 4,607 |
| Return on Equity (ROE) | 2.6735% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.6735% | 3,949 |
| Net charge-offs to loans | 0.0210% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | -6.1818% | 2,225 |
| Efficiency ratio | 101.9529% | 152 |
| Assets per employee ($millions) | 5.8521% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,344 |
| Loan loss allowance to noncurrent loans | 29.7297% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 7.1143% | 14 |
| Noncurrent loans to loans | 3.7542% | 156 |
| Net loans and leases to total assets | 42.6481% | 4,135 |
| Net loans and leases to deposits | 51.9671% | 3,998 |
| Net loans and leases to core deposits | 53.2769% | 4,060 |
| Total domestic deposits to total assets | 82.0675% | 3,913 |
| Equity capital to assets | 8.2392% | 4,405 |
| Core capital (leverage) ratio | 8.7220% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1707% | 1,916 |
| Memoranda: | ||
| Average total assets | $231,152,333 | 2,873 |
| Average earning assets | $200,737,333 | 2,977 |
| Average equity | $19,599,667 | 3,283 |
| Average total loans | $104,696,000 | 3,196 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 1,940 |
| Cost of funding earning assets | 0.3321% | 2,690 |
| Net interest margin | 3.5245% | 1,763 |
| Noninterest income to average assets | 0.3193% | 3,497 |
| Noninterest expense to average assets | 3.4380% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0662% | 4,800 |
| Return on assets (ROA) | 0.3352% | 4,506 |
| Pretax return on assets | 0.4410% | 4,433 |
| Return on Equity (ROE) | 3.8944% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.8944% | 3,533 |
| Net charge-offs to loans | 0.2849% | 299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -0.5067% | 1,900 |
| Efficiency ratio | 101.9885% | 171 |
| Assets per employee ($millions) | 5.8983% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,920 |
| Loan loss allowance to noncurrent loans | 28.0896% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 6.9184% | 15 |
| Noncurrent loans to loans | 3.4872% | 194 |
| Net loans and leases to total assets | 44.5200% | 4,081 |
| Net loans and leases to deposits | 59.6102% | 3,511 |
| Net loans and leases to core deposits | 61.1972% | 3,628 |
| Total domestic deposits to total assets | 74.6852% | 4,644 |
| Equity capital to assets | 7.5179% | 4,701 |
| Core capital (leverage) ratio | 9.0624% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6148% | 2,442 |
| Memoranda: | ||
| Average total assets | $226,759,500 | 2,888 |
| Average earning assets | $196,337,500 | 3,008 |
| Average equity | $19,515,000 | 3,279 |
| Average total loans | $105,302,000 | 3,196 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 2,252 |
| Cost of funding earning assets | 0.4982% | 2,962 |
| Net interest margin | 3.6634% | 1,931 |
| Noninterest income to average assets | 0.3070% | 3,641 |
| Noninterest expense to average assets | 3.5128% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1134% | 4,794 |
| Return on assets (ROA) | 0.8570% | 3,009 |
| Pretax return on assets | 0.8721% | 3,442 |
| Return on Equity (ROE) | 8.4984% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.4984% | 907 |
| Net charge-offs to loans | -0.2324% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4795% | 149 |
| Assets per employee ($millions) | 4.8998% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,075 |
| Loan loss allowance to noncurrent loans | 29.0660% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 8.5058% | 8 |
| Noncurrent loans to loans | 4.0464% | 134 |
| Net loans and leases to total assets | 47.6491% | 3,998 |
| Net loans and leases to deposits | 60.5141% | 3,718 |
| Net loans and leases to core deposits | 62.3586% | 3,810 |
| Total domestic deposits to total assets | 78.7405% | 4,226 |
| Equity capital to assets | 9.9159% | 3,205 |
| Core capital (leverage) ratio | 9.4969% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2269% | 1,466 |
| Memoranda: | ||
| Average total assets | $192,180,200 | 3,011 |
| Average earning assets | $161,981,200 | 3,148 |
| Average equity | $19,380,200 | 3,246 |
| Average total loans | $99,405,200 | 3,238 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 2,839 |
| Cost of funding earning assets | 0.5214% | 3,107 |
| Net interest margin | 3.5250% | 2,505 |
| Noninterest income to average assets | 0.3729% | 3,217 |
| Noninterest expense to average assets | 3.5526% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.2197% | 4,843 |
| Return on assets (ROA) | 0.9146% | 2,771 |
| Pretax return on assets | 0.9153% | 3,341 |
| Return on Equity (ROE) | 9.0287% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.0287% | 973 |
| Net charge-offs to loans | -0.2145% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5678% | 126 |
| Assets per employee ($millions) | 4.7934% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,674 |
| Loan loss allowance to noncurrent loans | 28.2144% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 8.2395% | 21 |
| Noncurrent loans to loans | 3.5736% | 218 |
| Net loans and leases to total assets | 50.9722% | 4,033 |
| Net loans and leases to deposits | 64.8525% | 3,717 |
| Net loans and leases to core deposits | 66.5009% | 3,864 |
| Total domestic deposits to total assets | 78.5971% | 4,119 |
| Equity capital to assets | 9.3058% | 3,855 |
| Core capital (leverage) ratio | 9.3171% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1803% | 1,771 |
| Memoranda: | ||
| Average total assets | $188,777,750 | 3,023 |
| Average earning assets | $158,557,500 | 3,165 |
| Average equity | $19,123,750 | 3,267 |
| Average total loans | $99,450,500 | 3,250 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,794 |
| Cost of funding earning assets | 0.5657% | 3,149 |
| Net interest margin | 3.6252% | 2,399 |
| Noninterest income to average assets | 0.3782% | 3,214 |
| Noninterest expense to average assets | 3.7784% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.3760% | 4,898 |
| Return on assets (ROA) | 1.2293% | 1,674 |
| Pretax return on assets | 1.2293% | 2,260 |
| Return on Equity (ROE) | 11.7641% | 1,399 |
| Retained earnings to average equity (ytd only) | 11.7641% | 489 |
| Net charge-offs to loans | -0.3465% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0499% | 113 |
| Assets per employee ($millions) | 4.6299% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,284 |
| Loan loss allowance to noncurrent loans | 18.6129% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 9.7998% | 13 |
| Noncurrent loans to loans | 5.6872% | 80 |
| Net loans and leases to total assets | 51.7842% | 4,044 |
| Net loans and leases to deposits | 66.2083% | 3,702 |
| Net loans and leases to core deposits | 67.5435% | 3,885 |
| Total domestic deposits to total assets | 78.2139% | 4,163 |
| Equity capital to assets | 9.8887% | 3,298 |
| Core capital (leverage) ratio | 9.9651% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4089% | 1,661 |
| Memoranda: | ||
| Average total assets | $181,400,000 | 3,063 |
| Average earning assets | $151,329,000 | 3,213 |
| Average equity | $18,956,000 | 3,275 |
| Average total loans | $96,400,333 | 3,295 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,890 |
| Cost of funding earning assets | 0.6199% | 3,331 |
| Net interest margin | 4.0166% | 1,344 |
| Noninterest income to average assets | 0.5146% | 2,474 |
| Noninterest expense to average assets | 3.8689% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0348% | 4,768 |
| Return on assets (ROA) | -0.0348% | 4,758 |
| Pretax return on assets | -0.0348% | 4,750 |
| Return on Equity (ROE) | -0.3227% | 4,761 |
| Retained earnings to average equity (ytd only) | -0.3227% | 4,041 |
| Net charge-offs to loans | -1.2238% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9069% | 223 |
| Assets per employee ($millions) | 4.1381% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,161 |
| Loan loss allowance to noncurrent loans | 21.1229% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 10.9438% | 16 |
| Noncurrent loans to loans | 6.1502% | 77 |
| Net loans and leases to total assets | 52.0499% | 4,109 |
| Net loans and leases to deposits | 69.7651% | 3,611 |
| Net loans and leases to core deposits | 71.6005% | 3,777 |
| Total domestic deposits to total assets | 74.6073% | 4,613 |
| Equity capital to assets | 10.5307% | 3,291 |
| Core capital (leverage) ratio | 10.5296% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6503% | 2,421 |
| Memoranda: | ||
| Average total assets | $172,557,000 | 3,110 |
| Average earning assets | $142,608,000 | 3,267 |
| Average equity | $18,590,500 | 3,310 |
| Average total loans | $92,501,500 | 3,353 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 1,321 |
| Cost of funding earning assets | 0.5807% | 3,715 |
| Net interest margin | 4.4770% | 751 |
| Noninterest income to average assets | 0.7742% | 1,531 |
| Noninterest expense to average assets | 3.9596% | 555 |
| Loan and lease loss provision to assets | 0.1048% | 1,975 |
| Net operating income to assets | 0.8305% | 3,455 |
| Return on assets (ROA) | 1.0293% | 2,828 |
| Pretax return on assets | 0.5832% | 4,435 |
| Return on Equity (ROE) | 10.1455% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.1455% | 465 |
| Net charge-offs to loans | 0.1497% | 1,328 |
| Credit loss provision to net charge-offs | 129.6296% | 1,972 |
| Earnings coverage of net charge-offs (x) | 6.0519% | 3,013 |
| Efficiency ratio | 89.0040% | 394 |
| Assets per employee ($millions) | 3.9804% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,338 |
| Loan loss allowance to noncurrent loans | 23.7430% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 10.5559% | 16 |
| Noncurrent loans to loans | 4.3195% | 142 |
| Net loans and leases to total assets | 53.9745% | 4,075 |
| Net loans and leases to deposits | 68.0013% | 3,819 |
| Net loans and leases to core deposits | 69.7987% | 3,968 |
| Total domestic deposits to total assets | 79.3728% | 4,108 |
| Equity capital to assets | 11.0320% | 2,964 |
| Core capital (leverage) ratio | 11.1799% | 2,357 |
| Tier 1 risk-based capital ratio | 13.6662% | 3,430 |
| Total risk-based capital ratio | 14.3753% | 3,612 |
| Memoranda: | ||
| Average total assets | $167,010,000 | 3,135 |
| Average earning assets | $137,079,600 | 3,325 |
| Average equity | $16,943,400 | 3,440 |
| Average total loans | $90,180,200 | 3,393 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1070% | 1,271 |
| Cost of funding earning assets | 0.5748% | 3,801 |
| Net interest margin | 4.5322% | 711 |
| Noninterest income to average assets | 0.8944% | 1,154 |
| Noninterest expense to average assets | 3.9528% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6620% | 4,129 |
| Return on assets (ROA) | 0.9271% | 3,318 |
| Pretax return on assets | 0.9279% | 3,798 |
| Return on Equity (ROE) | 9.3428% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.3428% | 945 |
| Net charge-offs to loans | 0.0104% | 2,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 118.6109% | 660 |
| Efficiency ratio | 85.6401% | 522 |
| Assets per employee ($millions) | 3.9896% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,678 |
| Loan loss allowance to noncurrent loans | 21.7221% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 10.4156% | 15 |
| Noncurrent loans to loans | 4.5163% | 127 |
| Net loans and leases to total assets | 52.2463% | 4,304 |
| Net loans and leases to deposits | 62.8808% | 4,245 |
| Net loans and leases to core deposits | 64.6823% | 4,338 |
| Total domestic deposits to total assets | 83.0878% | 3,138 |
| Equity capital to assets | 10.4744% | 3,563 |
| Core capital (leverage) ratio | 10.5150% | 3,093 |
| Tier 1 risk-based capital ratio | 13.3411% | 3,660 |
| Total risk-based capital ratio | 14.0195% | 3,869 |
| Memoranda: | ||
| Average total assets | $166,968,250 | 3,158 |
| Average earning assets | $137,090,250 | 3,358 |
| Average equity | $16,568,500 | 3,509 |
| Average total loans | $89,933,250 | 3,442 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1604% | 1,077 |
| Cost of funding earning assets | 0.5739% | 3,776 |
| Net interest margin | 4.5865% | 636 |
| Noninterest income to average assets | 0.8716% | 1,148 |
| Noninterest expense to average assets | 4.0425% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5863% | 4,340 |
| Return on assets (ROA) | 0.6818% | 4,117 |
| Pretax return on assets | 0.6830% | 4,368 |
| Return on Equity (ROE) | 7.0055% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.0055% | 1,804 |
| Net charge-offs to loans | -0.1582% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3107% | 476 |
| Assets per employee ($millions) | 3.9080% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,467 |
| Loan loss allowance to noncurrent loans | 25.6091% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 10.4471% | 15 |
| Noncurrent loans to loans | 4.0089% | 179 |
| Net loans and leases to total assets | 55.4747% | 4,107 |
| Net loans and leases to deposits | 66.7543% | 4,041 |
| Net loans and leases to core deposits | 68.9178% | 4,159 |
| Total domestic deposits to total assets | 83.1028% | 3,166 |
| Equity capital to assets | 10.3251% | 3,672 |
| Core capital (leverage) ratio | 10.3544% | 3,237 |
| Tier 1 risk-based capital ratio | 13.3401% | 3,666 |
| Total risk-based capital ratio | 14.1003% | 3,822 |
| Memoranda: | ||
| Average total assets | $165,440,670 | 3,194 |
| Average earning assets | $135,571,670 | 3,399 |
| Average equity | $16,101,670 | 3,560 |
| Average total loans | $89,738,670 | 3,467 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 1,186 |
| Cost of funding earning assets | 0.5626% | 3,770 |
| Net interest margin | 4.5008% | 745 |
| Noninterest income to average assets | 0.4338% | 2,950 |
| Noninterest expense to average assets | 4.0186% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0999% | 5,090 |
| Return on assets (ROA) | 0.3509% | 4,836 |
| Pretax return on assets | 0.3509% | 4,902 |
| Return on Equity (ROE) | 3.7217% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,434 |
| Net charge-offs to loans | -0.1554% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5740% | 201 |
| Assets per employee ($millions) | 3.8403% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,601 |
| Loan loss allowance to noncurrent loans | 24.5767% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 10.6339% | 14 |
| Noncurrent loans to loans | 4.1350% | 173 |
| Net loans and leases to total assets | 54.7956% | 4,148 |
| Net loans and leases to deposits | 65.5760% | 4,086 |
| Net loans and leases to core deposits | 67.0701% | 4,227 |
| Total domestic deposits to total assets | 83.5604% | 3,198 |
| Equity capital to assets | 9.6922% | 4,098 |
| Core capital (leverage) ratio | 10.2046% | 3,378 |
| Tier 1 risk-based capital ratio | 13.4616% | 3,623 |
| Total risk-based capital ratio | 14.2167% | 3,791 |
| Memoranda: | ||
| Average total assets | $164,138,000 | 3,250 |
| Average earning assets | $134,375,000 | 3,450 |
| Average equity | $15,477,000 | 3,645 |
| Average total loans | $87,513,000 | 3,551 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 871 |
| Cost of funding earning assets | 0.5714% | 2,912 |
| Net interest margin | 4.5161% | 738 |
| Noninterest income to average assets | 0.4831% | 2,929 |
| Noninterest expense to average assets | 4.0742% | 484 |
| Loan and lease loss provision to assets | 0.0681% | 2,780 |
| Net operating income to assets | -0.0900% | 5,259 |
| Return on assets (ROA) | -0.0568% | 5,244 |
| Pretax return on assets | -0.0562% | 5,240 |
| Return on Equity (ROE) | -0.6241% | 5,252 |
| Retained earnings to average equity (ytd only) | -0.6241% | 5,054 |
| Net charge-offs to loans | 0.4733% | 388 |
| Credit loss provision to net charge-offs | 27.7108% | 3,361 |
| Earnings coverage of net charge-offs (x) | -0.0867% | 3,718 |
| Efficiency ratio | 100.5259% | 137 |
| Assets per employee ($millions) | 3.7940% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,265 |
| Loan loss allowance to noncurrent loans | 23.6724% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 10.7782% | 12 |
| Noncurrent loans to loans | 4.5269% | 137 |
| Net loans and leases to total assets | 50.7012% | 4,476 |
| Net loans and leases to deposits | 58.2318% | 4,564 |
| Net loans and leases to core deposits | 60.1952% | 4,618 |
| Total domestic deposits to total assets | 87.0679% | 1,758 |
| Equity capital to assets | 9.1631% | 4,437 |
| Core capital (leverage) ratio | 9.8381% | 3,763 |
| Tier 1 risk-based capital ratio | 13.4435% | 3,580 |
| Total risk-based capital ratio | 14.1901% | 3,765 |
| Memoranda: | ||
| Average total assets | $168,914,600 | 3,184 |
| Average earning assets | $133,523,000 | 3,444 |
| Average equity | $15,381,200 | 3,591 |
| Average total loans | $87,683,200 | 3,522 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1365% | 707 |
| Cost of funding earning assets | 0.5847% | 2,586 |
| Net interest margin | 4.5518% | 669 |
| Noninterest income to average assets | 0.7732% | 1,567 |
| Noninterest expense to average assets | 3.8402% | 637 |
| Loan and lease loss provision to assets | 0.0900% | 2,175 |
| Net operating income to assets | 0.4124% | 4,931 |
| Return on assets (ROA) | 0.4562% | 4,853 |
| Pretax return on assets | 0.4570% | 4,960 |
| Return on Equity (ROE) | 5.0143% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.0143% | 3,227 |
| Net charge-offs to loans | 0.4118% | 392 |
| Credit loss provision to net charge-offs | 41.9708% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.3467% | 3,249 |
| Efficiency ratio | 88.4144% | 387 |
| Assets per employee ($millions) | 3.8494% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,462 |
| Loan loss allowance to noncurrent loans | 26.2133% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 14.4329% | 6 |
| Noncurrent loans to loans | 4.6848% | 150 |
| Net loans and leases to total assets | 50.3894% | 4,564 |
| Net loans and leases to deposits | 57.8376% | 4,651 |
| Net loans and leases to core deposits | 59.8642% | 4,708 |
| Total domestic deposits to total assets | 87.1222% | 1,677 |
| Equity capital to assets | 9.1908% | 4,376 |
| Core capital (leverage) ratio | 9.8864% | 3,761 |
| Tier 1 risk-based capital ratio | 13.3477% | 3,708 |
| Total risk-based capital ratio | 14.1735% | 3,856 |
| Memoranda: | ||
| Average total assets | $170,369,750 | 3,193 |
| Average earning assets | $133,627,250 | 3,483 |
| Average equity | $15,502,000 | 3,598 |
| Average total loans | $88,707,250 | 3,532 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 667 |
| Cost of funding earning assets | 0.5845% | 2,334 |
| Net interest margin | 4.5105% | 685 |
| Noninterest income to average assets | 0.5361% | 2,661 |
| Noninterest expense to average assets | 3.8271% | 652 |
| Loan and lease loss provision to assets | 0.1337% | 1,475 |
| Net operating income to assets | 0.1193% | 5,280 |
| Return on assets (ROA) | 0.1837% | 5,236 |
| Pretax return on assets | 0.1849% | 5,250 |
| Return on Equity (ROE) | 2.0259% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.0259% | 4,444 |
| Net charge-offs to loans | 0.6236% | 233 |
| Credit loss provision to net charge-offs | 40.9253% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.7758% | 3,106 |
| Efficiency ratio | 93.7874% | 266 |
| Assets per employee ($millions) | 3.8740% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,035 |
| Loan loss allowance to noncurrent loans | 432.3529% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 11.8354% | 13 |
| Noncurrent loans to loans | 0.2638% | 3,763 |
| Net loans and leases to total assets | 52.3282% | 4,454 |
| Net loans and leases to deposits | 61.8648% | 4,427 |
| Net loans and leases to core deposits | 64.4410% | 4,464 |
| Total domestic deposits to total assets | 84.5848% | 2,843 |
| Equity capital to assets | 8.9155% | 4,622 |
| Core capital (leverage) ratio | 9.8142% | 3,771 |
| Tier 1 risk-based capital ratio | 12.4585% | 4,213 |
| Total risk-based capital ratio | 13.2381% | 4,381 |
| Memoranda: | ||
| Average total assets | $171,984,670 | 3,193 |
| Average earning assets | $135,152,330 | 3,486 |
| Average equity | $15,598,330 | 3,601 |
| Average total loans | $90,128,330 | 3,512 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 607 |
| Cost of funding earning assets | 0.5764% | 2,195 |
| Net interest margin | 4.5021% | 615 |
| Noninterest income to average assets | 0.3219% | 4,003 |
| Noninterest expense to average assets | 3.6701% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1968% | 5,245 |
| Return on assets (ROA) | 0.1968% | 5,245 |
| Pretax return on assets | 0.1968% | 5,265 |
| Return on Equity (ROE) | 2.1520% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.1520% | 4,303 |
| Net charge-offs to loans | -0.0666% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9102% | 275 |
| Assets per employee ($millions) | 3.8601% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,907 |
| Loan loss allowance to noncurrent loans | 858.1560% | 675 |
| Noncurrent assets plus other real estate owned to assets | 11.8209% | 14 |
| Noncurrent loans to loans | 0.1611% | 4,255 |
| Net loans and leases to total assets | 50.8275% | 4,507 |
| Net loans and leases to deposits | 58.9879% | 4,538 |
| Net loans and leases to core deposits | 61.4130% | 4,590 |
| Total domestic deposits to total assets | 86.1660% | 2,469 |
| Equity capital to assets | 9.0872% | 4,466 |
| Core capital (leverage) ratio | 9.6067% | 3,955 |
| Tier 1 risk-based capital ratio | 12.6333% | 4,152 |
| Total risk-based capital ratio | 13.5592% | 4,266 |
| Memoranda: | ||
| Average total assets | $172,749,500 | 3,215 |
| Average earning assets | $136,025,500 | 3,504 |
| Average equity | $15,799,000 | 3,614 |
| Average total loans | $90,080,000 | 3,539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 986 |
| Cost of funding earning assets | 0.6089% | 1,534 |
| Net interest margin | 4.1851% | 1,220 |
| Noninterest income to average assets | 1.6074% | 403 |
| Noninterest expense to average assets | 3.9071% | 612 |
| Loan and lease loss provision to assets | 0.1020% | 2,184 |
| Net operating income to assets | 0.8726% | 2,851 |
| Return on assets (ROA) | 0.8550% | 2,958 |
| Pretax return on assets | 0.9134% | 3,866 |
| Return on Equity (ROE) | 10.0262% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.0262% | 344 |
| Net charge-offs to loans | 0.5397% | 434 |
| Credit loss provision to net charge-offs | 36.8526% | 3,469 |
| Earnings coverage of net charge-offs (x) | 3.7371% | 3,564 |
| Efficiency ratio | 79.0718% | 1,213 |
| Assets per employee ($millions) | 3.9035% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,265 |
| Loan loss allowance to noncurrent loans | 885.1852% | 695 |
| Noncurrent assets plus other real estate owned to assets | 11.5476% | 14 |
| Noncurrent loans to loans | 0.1458% | 4,339 |
| Net loans and leases to total assets | 52.0495% | 4,513 |
| Net loans and leases to deposits | 62.4325% | 4,417 |
| Net loans and leases to core deposits | 65.2768% | 4,459 |
| Total domestic deposits to total assets | 83.3692% | 3,436 |
| Equity capital to assets | 9.2021% | 4,524 |
| Core capital (leverage) ratio | 9.2868% | 4,309 |
| Tier 1 risk-based capital ratio | 12.3820% | 4,274 |
| Total risk-based capital ratio | 13.2729% | 4,396 |
| Memoranda: | ||
| Average total assets | $181,413,800 | 3,096 |
| Average earning assets | $144,511,400 | 3,396 |
| Average equity | $15,469,400 | 3,660 |
| Average total loans | $93,009,000 | 3,470 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 952 |
| Cost of funding earning assets | 0.6115% | 1,450 |
| Net interest margin | 4.1736% | 1,217 |
| Noninterest income to average assets | 1.8390% | 349 |
| Noninterest expense to average assets | 3.8456% | 638 |
| Loan and lease loss provision to assets | 0.1349% | 1,607 |
| Net operating income to assets | 1.1871% | 1,749 |
| Return on assets (ROA) | 1.1623% | 1,878 |
| Pretax return on assets | 1.1630% | 3,048 |
| Return on Equity (ROE) | 13.8946% | 854 |
| Retained earnings to average equity (ytd only) | 13.8946% | 161 |
| Net charge-offs to loans | 0.7418% | 253 |
| Credit loss provision to net charge-offs | 35.7143% | 3,034 |
| Earnings coverage of net charge-offs (x) | 3.5019% | 3,333 |
| Efficiency ratio | 74.4074% | 1,829 |
| Assets per employee ($millions) | 4.1159% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,037 |
| Loan loss allowance to noncurrent loans | 906.1538% | 641 |
| Noncurrent assets plus other real estate owned to assets | 11.2599% | 18 |
| Noncurrent loans to loans | 0.1509% | 4,452 |
| Net loans and leases to total assets | 45.8848% | 4,947 |
| Net loans and leases to deposits | 56.4381% | 4,853 |
| Net loans and leases to core deposits | 59.0760% | 4,860 |
| Total domestic deposits to total assets | 81.3011% | 3,970 |
| Equity capital to assets | 8.8724% | 5,016 |
| Core capital (leverage) ratio | 9.0287% | 4,708 |
| Tier 1 risk-based capital ratio | 13.2749% | 3,833 |
| Total risk-based capital ratio | 14.2163% | 3,943 |
| Memoranda: | ||
| Average total assets | $182,853,250 | 3,111 |
| Average earning assets | $145,865,750 | 3,400 |
| Average equity | $15,295,750 | 3,716 |
| Average total loans | $93,105,500 | 3,497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 871 |
| Cost of funding earning assets | 0.6023% | 1,430 |
| Net interest margin | 4.1900% | 1,094 |
| Noninterest income to average assets | 1.4940% | 488 |
| Noninterest expense to average assets | 4.0150% | 517 |
| Loan and lease loss provision to assets | 0.2032% | 901 |
| Net operating income to assets | 0.6218% | 4,204 |
| Return on assets (ROA) | 0.6218% | 4,250 |
| Pretax return on assets | 0.6228% | 4,755 |
| Return on Equity (ROE) | 7.5888% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.5888% | 1,318 |
| Net charge-offs to loans | 1.0836% | 179 |
| Credit loss provision to net charge-offs | 35.7834% | 2,677 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 3,279 |
| Efficiency ratio | 82.9362% | 925 |
| Assets per employee ($millions) | 4.1623% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,865 |
| Loan loss allowance to noncurrent loans | 34.5534% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 12.0067% | 20 |
| Noncurrent loans to loans | 3.5444% | 320 |
| Net loans and leases to total assets | 51.9657% | 4,573 |
| Net loans and leases to deposits | 63.6482% | 4,392 |
| Net loans and leases to core deposits | 67.0320% | 4,417 |
| Total domestic deposits to total assets | 81.6452% | 3,998 |
| Equity capital to assets | 8.4558% | 5,333 |
| Core capital (leverage) ratio | 8.7637% | 4,991 |
| Tier 1 risk-based capital ratio | 11.6763% | 4,852 |
| Total risk-based capital ratio | 12.5603% | 4,970 |
| Memoranda: | ||
| Average total assets | $182,066,330 | 3,132 |
| Average earning assets | $145,440,330 | 3,426 |
| Average equity | $14,916,670 | 3,772 |
| Average total loans | $95,419,670 | 3,463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 949 |
| Cost of funding earning assets | 0.5918% | 1,431 |
| Net interest margin | 4.1014% | 1,213 |
| Noninterest income to average assets | 2.3820% | 249 |
| Noninterest expense to average assets | 4.1712% | 439 |
| Loan and lease loss provision to assets | 0.4076% | 270 |
| Net operating income to assets | 1.0709% | 1,978 |
| Return on assets (ROA) | 1.0709% | 2,023 |
| Pretax return on assets | 1.0709% | 3,089 |
| Return on Equity (ROE) | 13.2859% | 942 |
| Retained earnings to average equity (ytd only) | 13.2859% | 355 |
| Net charge-offs to loans | 2.0810% | 79 |
| Credit loss provision to net charge-offs | 37.4494% | 2,078 |
| Earnings coverage of net charge-offs (x) | 1.3583% | 2,741 |
| Efficiency ratio | 73.8300% | 2,259 |
| Assets per employee ($millions) | 3.9312% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,618 |
| Loan loss allowance to noncurrent loans | 34.9724% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 12.2019% | 21 |
| Noncurrent loans to loans | 3.6699% | 315 |
| Net loans and leases to total assets | 51.1251% | 4,586 |
| Net loans and leases to deposits | 62.5565% | 4,402 |
| Net loans and leases to core deposits | 65.9465% | 4,426 |
| Total domestic deposits to total assets | 81.7262% | 4,239 |
| Equity capital to assets | 8.1993% | 5,419 |
| Core capital (leverage) ratio | 8.0899% | 5,512 |
| Tier 1 risk-based capital ratio | 11.1335% | 5,240 |
| Total risk-based capital ratio | 12.0568% | 5,327 |
| Memoranda: | ||
| Average total assets | $181,529,500 | 3,171 |
| Average earning assets | $144,634,000 | 3,464 |
| Average equity | $14,632,000 | 3,827 |
| Average total loans | $94,954,500 | 3,500 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4980% | 1,544 |
| Cost of funding earning assets | 0.6359% | 1,131 |
| Net interest margin | 3.8621% | 2,095 |
| Noninterest income to average assets | 0.6372% | 2,471 |
| Noninterest expense to average assets | 3.6280% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4107% | 4,904 |
| Return on assets (ROA) | 0.4663% | 4,827 |
| Pretax return on assets | 0.1408% | 5,553 |
| Return on Equity (ROE) | 5.3614% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.3614% | 2,094 |
| Net charge-offs to loans | 0.4753% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.3411% | 4,111 |
| Efficiency ratio | 97.7052% | 254 |
| Assets per employee ($millions) | 3.9855% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,087.0504% | 567 |
| Noncurrent assets plus other real estate owned to assets | 11.9238% | 27 |
| Noncurrent loans to loans | 0.1444% | 4,654 |
| Net loans and leases to total assets | 51.6797% | 4,640 |
| Net loans and leases to deposits | 63.5949% | 4,442 |
| Net loans and leases to core deposits | 66.6144% | 4,487 |
| Total domestic deposits to total assets | 81.2639% | 4,268 |
| Equity capital to assets | 8.8627% | 4,952 |
| Core capital (leverage) ratio | 9.3369% | 4,309 |
| Tier 1 risk-based capital ratio | 12.6108% | 4,318 |
| Total risk-based capital ratio | 13.7333% | 4,275 |
| Memoranda: | ||
| Average total assets | $188,947,400 | 3,070 |
| Average earning assets | $150,488,800 | 3,366 |
| Average equity | $16,432,200 | 3,633 |
| Average total loans | $99,309,800 | 3,397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 1,766 |
| Cost of funding earning assets | 0.6367% | 1,106 |
| Net interest margin | 3.7906% | 2,365 |
| Noninterest income to average assets | 0.6262% | 2,541 |
| Noninterest expense to average assets | 3.5772% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0756% | 5,654 |
| Return on assets (ROA) | 0.1492% | 5,617 |
| Pretax return on assets | 0.1499% | 5,626 |
| Return on Equity (ROE) | 1.7234% | 5,521 |
| Retained earnings to average equity (ytd only) | 1.7234% | 4,818 |
| Net charge-offs to loans | 0.4277% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.3396% | 3,799 |
| Efficiency ratio | 97.9103% | 264 |
| Assets per employee ($millions) | 3.9435% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,183 |
| Loan loss allowance to noncurrent loans | 755.4545% | 757 |
| Noncurrent assets plus other real estate owned to assets | 11.5914% | 32 |
| Noncurrent loans to loans | 0.2271% | 4,457 |
| Net loans and leases to total assets | 50.3104% | 4,799 |
| Net loans and leases to deposits | 61.6035% | 4,656 |
| Net loans and leases to core deposits | 64.5258% | 4,697 |
| Total domestic deposits to total assets | 81.6680% | 4,049 |
| Equity capital to assets | 8.7819% | 5,332 |
| Core capital (leverage) ratio | 8.6708% | 5,186 |
| Tier 1 risk-based capital ratio | 12.4204% | 4,523 |
| Total risk-based capital ratio | 13.6706% | 4,423 |
| Memoranda: | ||
| Average total assets | $190,351,500 | 3,068 |
| Average earning assets | $152,022,500 | 3,366 |
| Average equity | $16,478,250 | 3,661 |
| Average total loans | $100,073,250 | 3,394 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 1,986 |
| Cost of funding earning assets | 0.6448% | 1,075 |
| Net interest margin | 3.7048% | 2,677 |
| Noninterest income to average assets | 0.5925% | 2,657 |
| Noninterest expense to average assets | 3.6601% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0705% | 5,802 |
| Return on assets (ROA) | 0.0000% | 5,795 |
| Pretax return on assets | 0.0010% | 5,789 |
| Return on Equity (ROE) | 0.0000% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 0.1879% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.0947% | 3,590 |
| Efficiency ratio | 103.0715% | 199 |
| Assets per employee ($millions) | 4.5136% | 2,997 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 848 |
| Loan loss allowance to noncurrent loans | 934.1584% | 611 |
| Noncurrent assets plus other real estate owned to assets | 11.2956% | 34 |
| Noncurrent loans to loans | 0.2068% | 4,616 |
| Net loans and leases to total assets | 49.3467% | 4,887 |
| Net loans and leases to deposits | 64.4080% | 4,465 |
| Net loans and leases to core deposits | 67.0639% | 4,540 |
| Total domestic deposits to total assets | 76.6158% | 5,203 |
| Equity capital to assets | 8.4185% | 5,643 |
| Core capital (leverage) ratio | 8.8029% | 5,054 |
| Tier 1 risk-based capital ratio | 12.0770% | 4,780 |
| Total risk-based capital ratio | 13.3288% | 4,697 |
| Memoranda: | ||
| Average total assets | $190,706,330 | 3,080 |
| Average earning assets | $152,287,670 | 3,379 |
| Average equity | $16,430,000 | 3,676 |
| Average total loans | $101,133,330 | 3,387 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 1,833 |
| Cost of funding earning assets | 0.6649% | 970 |
| Net interest margin | 3.7247% | 2,574 |
| Noninterest income to average assets | 0.7093% | 1,995 |
| Noninterest expense to average assets | 3.4725% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2139% | 5,499 |
| Return on assets (ROA) | 0.4362% | 4,959 |
| Pretax return on assets | 0.4362% | 5,235 |
| Return on Equity (ROE) | 5.0339% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.0339% | 2,920 |
| Net charge-offs to loans | 0.1750% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.2444% | 2,714 |
| Efficiency ratio | 94.1987% | 439 |
| Assets per employee ($millions) | 3.9683% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 971 |
| Loan loss allowance to noncurrent loans | 1,024.8677% | 574 |
| Noncurrent assets plus other real estate owned to assets | 11.7940% | 36 |
| Noncurrent loans to loans | 0.1853% | 4,750 |
| Net loans and leases to total assets | 53.6459% | 4,480 |
| Net loans and leases to deposits | 68.0581% | 4,053 |
| Net loans and leases to core deposits | 71.4036% | 4,114 |
| Total domestic deposits to total assets | 78.8237% | 5,008 |
| Equity capital to assets | 8.8247% | 5,320 |
| Core capital (leverage) ratio | 8.6291% | 5,261 |
| Tier 1 risk-based capital ratio | 12.2382% | 4,761 |
| Total risk-based capital ratio | 13.4908% | 4,660 |
| Memoranda: | ||
| Average total assets | $188,911,000 | 3,102 |
| Average earning assets | $150,991,000 | 3,411 |
| Average equity | $16,369,000 | 3,682 |
| Average total loans | $102,869,500 | 3,374 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7009% | 1,103 |
| Cost of funding earning assets | 0.7188% | 742 |
| Net interest margin | 3.9821% | 1,777 |
| Noninterest income to average assets | 1.0186% | 1,138 |
| Noninterest expense to average assets | 3.7734% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3603% | 5,178 |
| Return on assets (ROA) | 0.4907% | 4,819 |
| Pretax return on assets | 0.5299% | 5,042 |
| Return on Equity (ROE) | 6.0046% | 4,028 |
| Retained earnings to average equity (ytd only) | 6.0046% | 1,787 |
| Net charge-offs to loans | 1.2488% | 141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.5454% | 4,212 |
| Efficiency ratio | 90.6384% | 655 |
| Assets per employee ($millions) | 4.1573% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 936 |
| Loan loss allowance to noncurrent loans | 296.2631% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 11.7315% | 39 |
| Noncurrent loans to loans | 0.6448% | 3,247 |
| Net loans and leases to total assets | 53.2138% | 4,570 |
| Net loans and leases to deposits | 66.9405% | 4,227 |
| Net loans and leases to core deposits | 69.4154% | 4,344 |
| Total domestic deposits to total assets | 79.4941% | 4,869 |
| Equity capital to assets | 8.4737% | 5,586 |
| Core capital (leverage) ratio | 8.6992% | 5,218 |
| Tier 1 risk-based capital ratio | 12.0036% | 4,948 |
| Total risk-based capital ratio | 13.2560% | 4,844 |
| Memoranda: | ||
| Average total assets | $191,151,800 | 3,037 |
| Average earning assets | $150,950,200 | 3,391 |
| Average equity | $15,621,400 | 3,746 |
| Average total loans | $109,388,800 | 3,208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,324 |
| Cost of funding earning assets | 0.7327% | 707 |
| Net interest margin | 3.8701% | 2,128 |
| Noninterest income to average assets | 0.8455% | 1,633 |
| Noninterest expense to average assets | 3.7293% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1597% | 5,752 |
| Return on assets (ROA) | 0.3160% | 5,493 |
| Pretax return on assets | 0.3160% | 5,618 |
| Return on Equity (ROE) | 3.9028% | 5,062 |
| Retained earnings to average equity (ytd only) | 3.9028% | 3,690 |
| Net charge-offs to loans | 1.6089% | 84 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.1713% | 3,978 |
| Efficiency ratio | 95.8924% | 420 |
| Assets per employee ($millions) | 4.0259% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 1,086 |
| Loan loss allowance to noncurrent loans | 109.2985% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 12.6562% | 36 |
| Noncurrent loans to loans | 1.7321% | 1,390 |
| Net loans and leases to total assets | 56.2460% | 4,326 |
| Net loans and leases to deposits | 71.0974% | 3,863 |
| Net loans and leases to core deposits | 74.4743% | 3,969 |
| Total domestic deposits to total assets | 79.1112% | 4,949 |
| Equity capital to assets | 8.4438% | 5,739 |
| Core capital (leverage) ratio | 8.5566% | 5,507 |
| Tier 1 risk-based capital ratio | 11.3937% | 5,431 |
| Total risk-based capital ratio | 12.6464% | 5,340 |
| Memoranda: | ||
| Average total assets | $191,130,250 | 3,064 |
| Average earning assets | $150,311,250 | 3,427 |
| Average equity | $15,475,500 | 3,800 |
| Average total loans | $110,799,250 | 3,214 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,201 |
| Cost of funding earning assets | 0.7378% | 686 |
| Net interest margin | 3.8977% | 1,988 |
| Noninterest income to average assets | 0.8544% | 1,593 |
| Noninterest expense to average assets | 3.7668% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1409% | 5,829 |
| Return on assets (ROA) | 0.3791% | 5,322 |
| Pretax return on assets | 0.3791% | 5,517 |
| Return on Equity (ROE) | 4.7466% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.7466% | 3,026 |
| Net charge-offs to loans | 2.0901% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.1158% | 3,703 |
| Efficiency ratio | 96.3954% | 428 |
| Assets per employee ($millions) | 4.1521% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 954 |
| Loan loss allowance to noncurrent loans | 84.2575% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 15.0380% | 26 |
| Noncurrent loans to loans | 2.3962% | 958 |
| Net loans and leases to total assets | 57.7226% | 4,137 |
| Net loans and leases to deposits | 73.1076% | 3,606 |
| Net loans and leases to core deposits | 76.4802% | 3,718 |
| Total domestic deposits to total assets | 78.9557% | 5,105 |
| Equity capital to assets | 8.4350% | 5,736 |
| Core capital (leverage) ratio | 8.4270% | 5,601 |
| Tier 1 risk-based capital ratio | 11.1048% | 5,661 |
| Total risk-based capital ratio | 12.3582% | 5,586 |
| Memoranda: | ||
| Average total assets | $193,110,330 | 3,062 |
| Average earning assets | $151,268,000 | 3,431 |
| Average equity | $15,421,670 | 3,830 |
| Average total loans | $112,341,670 | 3,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 1,452 |
| Cost of funding earning assets | 0.7377% | 705 |
| Net interest margin | 3.7652% | 2,373 |
| Noninterest income to average assets | 0.9076% | 1,362 |
| Noninterest expense to average assets | 3.6043% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2683% | 5,509 |
| Return on assets (ROA) | 0.7322% | 3,767 |
| Pretax return on assets | 0.7322% | 4,491 |
| Return on Equity (ROE) | 9.4118% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.4118% | 1,067 |
| Net charge-offs to loans | 1.8483% | 98 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2509% | 3,081 |
| Efficiency ratio | 93.0729% | 644 |
| Assets per employee ($millions) | 4.1235% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 556 |
| Loan loss allowance to noncurrent loans | 76.9042% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 15.3980% | 26 |
| Noncurrent loans to loans | 3.2133% | 638 |
| Net loans and leases to total assets | 59.9164% | 3,665 |
| Net loans and leases to deposits | 75.6685% | 3,092 |
| Net loans and leases to core deposits | 79.3762% | 3,239 |
| Total domestic deposits to total assets | 79.1827% | 5,235 |
| Equity capital to assets | 8.3947% | 5,809 |
| Core capital (leverage) ratio | 8.3289% | 5,696 |
| Tier 1 risk-based capital ratio | 10.9525% | 5,828 |
| Total risk-based capital ratio | 12.2115% | 5,755 |
| Memoranda: | ||
| Average total assets | $198,320,000 | 3,034 |
| Average earning assets | $156,167,500 | 3,375 |
| Average equity | $15,427,500 | 3,849 |
| Average total loans | $114,699,000 | 3,182 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 1,158 |
| Cost of funding earning assets | 0.8200% | 586 |
| Net interest margin | 3.9560% | 2,026 |
| Noninterest income to average assets | 1.5031% | 541 |
| Noninterest expense to average assets | 3.2609% | 2,038 |
| Loan and lease loss provision to assets | 0.3209% | 616 |
| Net operating income to assets | 1.7250% | 551 |
| Return on assets (ROA) | 1.8146% | 481 |
| Pretax return on assets | 1.1503% | 2,871 |
| Return on Equity (ROE) | 28.4300% | 71 |
| Retained earnings to average equity (ytd only) | 28.4300% | 29 |
| Net charge-offs to loans | 0.1970% | 2,089 |
| Credit loss provision to net charge-offs | 274.4681% | 929 |
| Earnings coverage of net charge-offs (x) | 11.8170% | 2,449 |
| Efficiency ratio | 70.2390% | 3,494 |
| Assets per employee ($millions) | 4.9089% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9012% | 332 |
| Loan loss allowance to noncurrent loans | 51.8748% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 15.1481% | 33 |
| Noncurrent loans to loans | 5.5926% | 228 |
| Net loans and leases to total assets | 53.0853% | 4,679 |
| Net loans and leases to deposits | 64.8543% | 4,446 |
| Net loans and leases to core deposits | 67.5940% | 4,546 |
| Total domestic deposits to total assets | 81.8531% | 4,475 |
| Equity capital to assets | 7.2379% | 6,296 |
| Core capital (leverage) ratio | 7.9080% | 6,047 |
| Tier 1 risk-based capital ratio | 10.3750% | 6,155 |
| Total risk-based capital ratio | 11.6380% | 6,093 |
| Memoranda: | ||
| Average total assets | $200,985,000 | 2,980 |
| Average earning assets | $159,503,200 | 3,291 |
| Average equity | $12,828,000 | 4,221 |
| Average total loans | $119,300,800 | 3,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 849 |
| Cost of funding earning assets | 0.8599% | 516 |
| Net interest margin | 4.0843% | 1,627 |
| Noninterest income to average assets | 1.5741% | 511 |
| Noninterest expense to average assets | 3.6299% | 1,240 |
| Loan and lease loss provision to assets | 0.3480% | 507 |
| Net operating income to assets | 0.8310% | 3,283 |
| Return on assets (ROA) | 0.9520% | 2,757 |
| Pretax return on assets | 0.9526% | 3,787 |
| Return on Equity (ROE) | 15.4663% | 750 |
| Retained earnings to average equity (ytd only) | 15.4663% | 186 |
| Net charge-offs to loans | 0.5942% | 625 |
| Credit loss provision to net charge-offs | 96.6418% | 2,309 |
| Earnings coverage of net charge-offs (x) | 3.2761% | 3,695 |
| Efficiency ratio | 75.4714% | 2,578 |
| Assets per employee ($millions) | 4.5754% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 616 |
| Loan loss allowance to noncurrent loans | 77.6183% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 14.7492% | 37 |
| Noncurrent loans to loans | 3.2729% | 766 |
| Net loans and leases to total assets | 56.9393% | 4,207 |
| Net loans and leases to deposits | 69.6528% | 3,960 |
| Net loans and leases to core deposits | 73.0850% | 4,041 |
| Total domestic deposits to total assets | 81.7473% | 4,564 |
| Equity capital to assets | 6.5385% | 6,440 |
| Core capital (leverage) ratio | 6.6964% | 6,420 |
| Tier 1 risk-based capital ratio | 9.1999% | 6,462 |
| Total risk-based capital ratio | 10.4604% | 6,453 |
| Memoranda: | ||
| Average total assets | $198,460,500 | 3,038 |
| Average earning assets | $157,216,250 | 3,344 |
| Average equity | $12,215,500 | 4,341 |
| Average total loans | $120,275,500 | 3,049 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 850 |
| Cost of funding earning assets | 0.9034% | 423 |
| Net interest margin | 4.0301% | 1,723 |
| Noninterest income to average assets | 1.4932% | 547 |
| Noninterest expense to average assets | 3.4004% | 1,678 |
| Loan and lease loss provision to assets | 0.3567% | 495 |
| Net operating income to assets | 0.9355% | 2,623 |
| Return on assets (ROA) | 0.9355% | 2,724 |
| Pretax return on assets | 0.9365% | 3,737 |
| Return on Equity (ROE) | 15.5175% | 710 |
| Retained earnings to average equity (ytd only) | 15.5175% | 190 |
| Net charge-offs to loans | 0.8914% | 406 |
| Credit loss provision to net charge-offs | 65.2574% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.3658% | 3,567 |
| Efficiency ratio | 72.4470% | 3,253 |
| Assets per employee ($millions) | 4.5169% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 914 |
| Loan loss allowance to noncurrent loans | 62.6767% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 15.2820% | 33 |
| Noncurrent loans to loans | 3.6535% | 707 |
| Net loans and leases to total assets | 60.3924% | 3,656 |
| Net loans and leases to deposits | 74.0575% | 3,307 |
| Net loans and leases to core deposits | 78.6671% | 3,356 |
| Total domestic deposits to total assets | 81.5480% | 4,801 |
| Equity capital to assets | 6.5747% | 6,490 |
| Core capital (leverage) ratio | 6.4280% | 6,499 |
| Tier 1 risk-based capital ratio | 8.4199% | 6,559 |
| Total risk-based capital ratio | 9.6771% | 6,562 |
| Memoranda: | ||
| Average total assets | $199,033,000 | 3,046 |
| Average earning assets | $158,061,000 | 3,349 |
| Average equity | $11,999,330 | 4,397 |
| Average total loans | $122,052,670 | 3,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 888 |
| Cost of funding earning assets | 0.9230% | 404 |
| Net interest margin | 3.9664% | 1,867 |
| Noninterest income to average assets | 0.8340% | 1,623 |
| Noninterest expense to average assets | 3.5088% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4806% | 4,782 |
| Return on assets (ROA) | 0.4806% | 4,858 |
| Pretax return on assets | 0.4825% | 5,218 |
| Return on Equity (ROE) | 8.3348% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.3348% | 1,481 |
| Net charge-offs to loans | 0.2633% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 87.9104% | 1,236 |
| Assets per employee ($millions) | 4.5637% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,030 |
| Loan loss allowance to noncurrent loans | 62.4754% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 14.6404% | 46 |
| Noncurrent loans to loans | 3.6799% | 769 |
| Net loans and leases to total assets | 60.4648% | 3,483 |
| Net loans and leases to deposits | 73.2045% | 3,168 |
| Net loans and leases to core deposits | 77.5372% | 3,243 |
| Total domestic deposits to total assets | 82.5972% | 4,755 |
| Equity capital to assets | 5.9103% | 6,575 |
| Core capital (leverage) ratio | 5.8929% | 6,600 |
| Tier 1 risk-based capital ratio | 7.9227% | 6,628 |
| Total risk-based capital ratio | 9.1808% | 6,631 |
| Memoranda: | ||
| Average total assets | $201,435,500 | 3,033 |
| Average earning assets | $160,347,500 | 3,343 |
| Average equity | $11,614,000 | 4,489 |
| Average total loans | $123,055,000 | 3,008 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 1,500 |
| Cost of funding earning assets | 1.0553% | 347 |
| Net interest margin | 3.6712% | 3,167 |
| Noninterest income to average assets | 0.9470% | 1,531 |
| Noninterest expense to average assets | 3.7471% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0915% | 6,065 |
| Return on assets (ROA) | 0.0915% | 6,117 |
| Pretax return on assets | 0.0982% | 6,095 |
| Return on Equity (ROE) | 1.6327% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.6327% | 5,055 |
| Net charge-offs to loans | 2.2785% | 139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0685% | 5,069 |
| Efficiency ratio | 97.4473% | 569 |
| Assets per employee ($millions) | 4.4904% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4114% | 918 |
| Loan loss allowance to noncurrent loans | 60.2914% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 15.2140% | 49 |
| Noncurrent loans to loans | 3.9995% | 726 |
| Net loans and leases to total assets | 58.8415% | 3,899 |
| Net loans and leases to deposits | 71.0081% | 3,652 |
| Net loans and leases to core deposits | 75.1615% | 3,706 |
| Total domestic deposits to total assets | 82.8658% | 4,586 |
| Equity capital to assets | 5.6218% | 6,648 |
| Core capital (leverage) ratio | 5.6772% | 6,675 |
| Tier 1 risk-based capital ratio | 7.6423% | 6,704 |
| Total risk-based capital ratio | 8.9012% | 6,704 |
| Memoranda: | ||
| Average total assets | $210,884,800 | 2,907 |
| Average earning assets | $166,485,200 | 3,263 |
| Average equity | $11,821,000 | 4,484 |
| Average total loans | $132,587,000 | 2,812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,843 |
| Cost of funding earning assets | 1.0815% | 342 |
| Net interest margin | 3.5350% | 3,733 |
| Noninterest income to average assets | 1.3841% | 759 |
| Noninterest expense to average assets | 3.7542% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4098% | 5,212 |
| Return on assets (ROA) | 0.4098% | 5,345 |
| Pretax return on assets | 0.4173% | 5,583 |
| Return on Equity (ROE) | 7.3165% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.3165% | 1,727 |
| Net charge-offs to loans | 1.6381% | 263 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4013% | 4,726 |
| Efficiency ratio | 89.9955% | 993 |
| Assets per employee ($millions) | 4.6639% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2878% | 419 |
| Loan loss allowance to noncurrent loans | 70.5351% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 16.9130% | 35 |
| Noncurrent loans to loans | 4.6612% | 679 |
| Net loans and leases to total assets | 60.2261% | 3,664 |
| Net loans and leases to deposits | 72.4287% | 3,464 |
| Net loans and leases to core deposits | 76.9267% | 3,510 |
| Total domestic deposits to total assets | 83.1523% | 4,523 |
| Equity capital to assets | 5.7392% | 6,716 |
| Core capital (leverage) ratio | 5.6974% | 6,747 |
| Tier 1 risk-based capital ratio | 7.5279% | 6,780 |
| Total risk-based capital ratio | 8.7959% | 6,780 |
| Memoranda: | ||
| Average total assets | $213,088,500 | 2,911 |
| Average earning assets | $168,028,500 | 3,269 |
| Average equity | $11,936,250 | 4,505 |
| Average total loans | $135,274,000 | 2,779 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 2,217 |
| Cost of funding earning assets | 1.1057% | 327 |
| Net interest margin | 3.3893% | 4,229 |
| Noninterest income to average assets | 1.6156% | 613 |
| Noninterest expense to average assets | 4.0082% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2811% | 5,658 |
| Return on assets (ROA) | 0.2811% | 5,799 |
| Pretax return on assets | 0.2811% | 5,923 |
| Return on Equity (ROE) | 5.0588% | 4,696 |
| Retained earnings to average equity (ytd only) | 5.0588% | 3,018 |
| Net charge-offs to loans | 0.1213% | 3,154 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.6265% | 3,342 |
| Efficiency ratio | 93.4465% | 788 |
| Assets per employee ($millions) | 4.5765% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3240% | 195 |
| Loan loss allowance to noncurrent loans | 89.0573% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 16.8887% | 37 |
| Noncurrent loans to loans | 4.8553% | 685 |
| Net loans and leases to total assets | 61.7595% | 3,337 |
| Net loans and leases to deposits | 76.3529% | 2,829 |
| Net loans and leases to core deposits | 81.3739% | 2,875 |
| Total domestic deposits to total assets | 80.8869% | 5,373 |
| Equity capital to assets | 5.5643% | 6,785 |
| Core capital (leverage) ratio | 5.5807% | 6,788 |
| Tier 1 risk-based capital ratio | 7.4230% | 6,825 |
| Total risk-based capital ratio | 8.7036% | 6,825 |
| Memoranda: | ||
| Average total assets | $214,160,000 | 2,915 |
| Average earning assets | $168,941,000 | 3,269 |
| Average equity | $11,900,000 | 4,556 |
| Average total loans | $136,800,000 | 2,763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,930 |
| Cost of funding earning assets | 1.1128% | 352 |
| Net interest margin | 3.4534% | 3,888 |
| Noninterest income to average assets | 3.3133% | 222 |
| Noninterest expense to average assets | 3.8855% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1521% | 267 |
| Return on assets (ROA) | 2.1521% | 293 |
| Pretax return on assets | 2.1521% | 452 |
| Return on Equity (ROE) | 38.7559% | 39 |
| Retained earnings to average equity (ytd only) | 38.7559% | 25 |
| Net charge-offs to loans | 0.0816% | 3,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 765 |
| Efficiency ratio | 64.3558% | 4,951 |
| Assets per employee ($millions) | 4.5101% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3972% | 214 |
| Loan loss allowance to noncurrent loans | 107.6616% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 16.0671% | 59 |
| Noncurrent loans to loans | 4.0842% | 1,092 |
| Net loans and leases to total assets | 59.5558% | 3,507 |
| Net loans and leases to deposits | 71.5717% | 3,241 |
| Net loans and leases to core deposits | 75.2828% | 3,418 |
| Total domestic deposits to total assets | 83.2114% | 4,789 |
| Equity capital to assets | 5.8082% | 6,839 |
| Core capital (leverage) ratio | 5.9923% | 6,805 |
| Tier 1 risk-based capital ratio | 7.9305% | 6,861 |
| Total risk-based capital ratio | 9.2117% | 6,859 |
| Memoranda: | ||
| Average total assets | $215,980,000 | 2,921 |
| Average earning assets | $170,381,500 | 3,276 |
| Average equity | $11,993,000 | 4,577 |
| Average total loans | $137,254,000 | 2,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 1,267 |
| Cost of funding earning assets | 1.3370% | 322 |
| Net interest margin | 3.7809% | 3,314 |
| Noninterest income to average assets | 0.3435% | 5,008 |
| Noninterest expense to average assets | 4.4090% | 621 |
| Loan and lease loss provision to assets | 0.9252% | 477 |
| Net operating income to assets | -1.6220% | 6,883 |
| Return on assets (ROA) | -0.7337% | 6,682 |
| Pretax return on assets | -0.8943% | 6,703 |
| Return on Equity (ROE) | -13.0220% | 6,793 |
| Retained earnings to average equity (ytd only) | -13.0220% | 6,732 |
| Net charge-offs to loans | 0.3411% | 2,930 |
| Credit loss provision to net charge-offs | 436.3450% | 553 |
| Earnings coverage of net charge-offs (x) | -4.9630% | 5,907 |
| Efficiency ratio | 131.3530% | 155 |
| Assets per employee ($millions) | 4.5846% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2664% | 236 |
| Loan loss allowance to noncurrent loans | 122.5926% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 15.6808% | 73 |
| Noncurrent loans to loans | 3.4802% | 1,437 |
| Net loans and leases to total assets | 62.0446% | 3,242 |
| Net loans and leases to deposits | 73.7958% | 3,129 |
| Net loans and leases to core deposits | 77.1962% | 3,371 |
| Total domestic deposits to total assets | 84.0760% | 4,280 |
| Equity capital to assets | 5.2962% | 6,930 |
| Core capital (leverage) ratio | 5.3323% | 6,912 |
| Tier 1 risk-based capital ratio | 7.1511% | 6,949 |
| Total risk-based capital ratio | 8.4319% | 6,947 |
| Memoranda: | ||
| Average total assets | $229,668,000 | 2,728 |
| Average earning assets | $183,023,800 | 3,052 |
| Average equity | $12,939,600 | 4,371 |
| Average total loans | $142,755,000 | 2,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 1,333 |
| Cost of funding earning assets | 1.3881% | 308 |
| Net interest margin | 3.7511% | 3,549 |
| Noninterest income to average assets | 0.7626% | 2,416 |
| Noninterest expense to average assets | 4.0968% | 829 |
| Loan and lease loss provision to assets | 1.2154% | 295 |
| Net operating income to assets | -1.2318% | 6,915 |
| Return on assets (ROA) | -0.8072% | 6,836 |
| Pretax return on assets | -1.0182% | 6,870 |
| Return on Equity (ROE) | -14.1322% | 6,920 |
| Retained earnings to average equity (ytd only) | -14.1322% | 6,891 |
| Net charge-offs to loans | 0.5053% | 2,096 |
| Credit loss provision to net charge-offs | 390.8088% | 689 |
| Earnings coverage of net charge-offs (x) | -1.0937% | 5,581 |
| Efficiency ratio | 109.0549% | 323 |
| Assets per employee ($millions) | 4.6057% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4546% | 217 |
| Loan loss allowance to noncurrent loans | 198.3866% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 14.8734% | 92 |
| Noncurrent loans to loans | 2.2454% | 2,562 |
| Net loans and leases to total assets | 57.2623% | 4,248 |
| Net loans and leases to deposits | 67.4681% | 4,261 |
| Net loans and leases to core deposits | 70.6273% | 4,417 |
| Total domestic deposits to total assets | 84.8733% | 3,803 |
| Equity capital to assets | 5.9126% | 6,994 |
| Core capital (leverage) ratio | 5.1949% | 7,007 |
| Tier 1 risk-based capital ratio | 7.3203% | 7,028 |
| Total risk-based capital ratio | 8.6008% | 7,030 |
| Memoranda: | ||
| Average total assets | $233,216,500 | 2,719 |
| Average earning assets | $186,147,000 | 3,035 |
| Average equity | $13,321,500 | 4,336 |
| Average total loans | $143,531,750 | 2,703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 1,475 |
| Cost of funding earning assets | 1.4249% | 317 |
| Net interest margin | 3.6857% | 3,893 |
| Noninterest income to average assets | 0.9508% | 1,611 |
| Noninterest expense to average assets | 4.2273% | 708 |
| Loan and lease loss provision to assets | 1.7912% | 182 |
| Net operating income to assets | -2.1099% | 7,082 |
| Return on assets (ROA) | -1.3226% | 7,002 |
| Pretax return on assets | -1.3217% | 6,976 |
| Return on Equity (ROE) | -23.4092% | 7,061 |
| Retained earnings to average equity (ytd only) | -23.4092% | 7,045 |
| Net charge-offs to loans | 1.5434% | 627 |
| Credit loss provision to net charge-offs | 187.0599% | 1,514 |
| Earnings coverage of net charge-offs (x) | -0.3319% | 5,196 |
| Efficiency ratio | 108.1285% | 362 |
| Assets per employee ($millions) | 4.7977% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7303% | 415 |
| Loan loss allowance to noncurrent loans | 168.1127% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 14.5994% | 108 |
| Noncurrent loans to loans | 2.2189% | 2,698 |
| Net loans and leases to total assets | 59.4956% | 3,913 |
| Net loans and leases to deposits | 71.4134% | 3,696 |
| Net loans and leases to core deposits | 75.5121% | 3,815 |
| Total domestic deposits to total assets | 83.3115% | 4,620 |
| Equity capital to assets | 5.5578% | 7,059 |
| Core capital (leverage) ratio | 4.9572% | 7,074 |
| Tier 1 risk-based capital ratio | 6.9075% | 7,097 |
| Total risk-based capital ratio | 8.1815% | 7,096 |
| Memoranda: | ||
| Average total assets | $237,264,670 | 2,689 |
| Average earning assets | $190,468,330 | 2,989 |
| Average equity | $13,405,000 | 4,319 |
| Average total loans | $147,211,330 | 2,651 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2790% | 1,142 |
| Cost of funding earning assets | 1.4468% | 356 |
| Net interest margin | 3.8321% | 3,232 |
| Noninterest income to average assets | 0.9454% | 1,579 |
| Noninterest expense to average assets | 4.5989% | 506 |
| Loan and lease loss provision to assets | 3.5306% | 45 |
| Net operating income to assets | -4.0905% | 7,257 |
| Return on assets (ROA) | -2.7614% | 7,210 |
| Pretax return on assets | -2.7614% | 7,196 |
| Return on Equity (ROE) | -48.4972% | 7,223 |
| Retained earnings to average equity (ytd only) | -48.4972% | 7,210 |
| Net charge-offs to loans | -0.0080% | 5,886 |
| Credit loss provision to net charge-offs | -70,833.3333% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8626% | 289 |
| Assets per employee ($millions) | 5.1358% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4318% | 259 |
| Loan loss allowance to noncurrent loans | 114.3465% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 14.5448% | 115 |
| Noncurrent loans to loans | 3.8758% | 1,593 |
| Net loans and leases to total assets | 58.8557% | 3,891 |
| Net loans and leases to deposits | 70.3190% | 3,684 |
| Net loans and leases to core deposits | 74.7985% | 3,784 |
| Total domestic deposits to total assets | 83.6981% | 4,634 |
| Equity capital to assets | 5.3300% | 7,117 |
| Core capital (leverage) ratio | 4.7616% | 7,138 |
| Tier 1 risk-based capital ratio | 6.7320% | 7,149 |
| Total risk-based capital ratio | 8.0135% | 7,150 |
| Memoranda: | ||
| Average total assets | $240,751,500 | 2,661 |
| Average earning assets | $194,356,000 | 2,969 |
| Average equity | $13,708,000 | 4,256 |
| Average total loans | $149,656,000 | 2,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 1,826 |
| Cost of funding earning assets | 1.7109% | 310 |
| Net interest margin | 3.5515% | 4,925 |
| Noninterest income to average assets | 1.2407% | 845 |
| Noninterest expense to average assets | 4.9588% | 391 |
| Loan and lease loss provision to assets | 2.9705% | 125 |
| Net operating income to assets | -5.0533% | 7,307 |
| Return on assets (ROA) | -4.9055% | 7,303 |
| Pretax return on assets | -3.6633% | 7,249 |
| Return on Equity (ROE) | -60.6083% | 7,244 |
| Retained earnings to average equity (ytd only) | -60.6083% | 7,244 |
| Net charge-offs to loans | 4.3225% | 122 |
| Credit loss provision to net charge-offs | 117.3134% | 2,743 |
| Earnings coverage of net charge-offs (x) | -0.3319% | 6,020 |
| Efficiency ratio | 120.4093% | 302 |
| Assets per employee ($millions) | 5.1095% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8085% | 971 |
| Loan loss allowance to noncurrent loans | 74.7793% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 14.0670% | 151 |
| Noncurrent loans to loans | 3.7557% | 1,675 |
| Net loans and leases to total assets | 60.9564% | 3,800 |
| Net loans and leases to deposits | 73.3945% | 3,599 |
| Net loans and leases to core deposits | 81.3630% | 3,267 |
| Total domestic deposits to total assets | 83.0531% | 4,728 |
| Equity capital to assets | 6.0443% | 7,091 |
| Core capital (leverage) ratio | 5.0063% | 7,147 |
| Tier 1 risk-based capital ratio | 7.1640% | 7,149 |
| Total risk-based capital ratio | 8.4281% | 7,150 |
| Memoranda: | ||
| Average total assets | $264,598,600 | 2,383 |
| Average earning assets | $214,387,000 | 2,675 |
| Average equity | $21,416,200 | 2,961 |
| Average total loans | $155,002,600 | 2,567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,418 |
| Cost of funding earning assets | 1.7407% | 333 |
| Net interest margin | 3.4008% | 5,565 |
| Noninterest income to average assets | 1.5177% | 569 |
| Noninterest expense to average assets | 5.1346% | 330 |
| Loan and lease loss provision to assets | 1.2371% | 621 |
| Net operating income to assets | -2.6059% | 7,228 |
| Return on assets (ROA) | -2.4792% | 7,217 |
| Pretax return on assets | -1.9710% | 7,118 |
| Return on Equity (ROE) | -28.9618% | 7,190 |
| Retained earnings to average equity (ytd only) | -28.9618% | 7,182 |
| Net charge-offs to loans | 1.9343% | 671 |
| Credit loss provision to net charge-offs | 110.9632% | 2,963 |
| Earnings coverage of net charge-offs (x) | -0.7719% | 5,896 |
| Efficiency ratio | 120.1343% | 306 |
| Assets per employee ($millions) | 5.5005% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2522% | 1,769 |
| Loan loss allowance to noncurrent loans | 39.7990% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 13.5532% | 172 |
| Noncurrent loans to loans | 5.6589% | 1,028 |
| Net loans and leases to total assets | 54.8471% | 5,021 |
| Net loans and leases to deposits | 66.8929% | 4,773 |
| Net loans and leases to core deposits | 78.2036% | 3,871 |
| Total domestic deposits to total assets | 81.9923% | 5,094 |
| Equity capital to assets | 8.1818% | 6,574 |
| Core capital (leverage) ratio | 7.2327% | 6,888 |
| Tier 1 risk-based capital ratio | 10.8642% | 6,622 |
| Total risk-based capital ratio | 12.2276% | 6,533 |
| Memoranda: | ||
| Average total assets | $269,434,750 | 2,358 |
| Average earning assets | $218,374,000 | 2,649 |
| Average equity | $23,064,250 | 2,771 |
| Average total loans | $155,298,750 | 2,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 2,542 |
| Cost of funding earning assets | 1.7772% | 343 |
| Net interest margin | 3.3542% | 5,699 |
| Noninterest income to average assets | 1.5375% | 538 |
| Noninterest expense to average assets | 5.9390% | 199 |
| Loan and lease loss provision to assets | 1.0764% | 768 |
| Net operating income to assets | -3.3533% | 7,347 |
| Return on assets (ROA) | -3.2783% | 7,346 |
| Pretax return on assets | -2.6933% | 7,274 |
| Return on Equity (ROE) | -37.7409% | 7,297 |
| Retained earnings to average equity (ytd only) | -37.7409% | 7,291 |
| Net charge-offs to loans | 1.5588% | 942 |
| Credit loss provision to net charge-offs | 118.7551% | 2,588 |
| Earnings coverage of net charge-offs (x) | -1.8665% | 5,708 |
| Efficiency ratio | 139.8357% | 200 |
| Assets per employee ($millions) | 5.5263% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1667% | 1,984 |
| Loan loss allowance to noncurrent loans | 30.9689% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 13.0367% | 209 |
| Noncurrent loans to loans | 6.9964% | 741 |
| Net loans and leases to total assets | 54.2781% | 5,251 |
| Net loans and leases to deposits | 68.0360% | 4,702 |
| Net loans and leases to core deposits | 80.5038% | 3,716 |
| Total domestic deposits to total assets | 79.7785% | 5,889 |
| Equity capital to assets | 7.6603% | 6,873 |
| Core capital (leverage) ratio | 7.3584% | 6,837 |
| Tier 1 risk-based capital ratio | 10.8090% | 6,653 |
| Total risk-based capital ratio | 12.0658% | 6,623 |
| Memoranda: | ||
| Average total assets | $269,405,000 | 2,374 |
| Average earning assets | $217,640,000 | 2,669 |
| Average equity | $23,401,670 | 2,712 |
| Average total loans | $156,654,330 | 2,590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 1,746 |
| Cost of funding earning assets | 1.8443% | 322 |
| Net interest margin | 3.4978% | 5,025 |
| Noninterest income to average assets | 1.4454% | 608 |
| Noninterest expense to average assets | 4.5139% | 585 |
| Loan and lease loss provision to assets | 1.6718% | 362 |
| Net operating income to assets | -2.0427% | 7,287 |
| Return on assets (ROA) | -2.0305% | 7,282 |
| Pretax return on assets | -1.9408% | 7,244 |
| Return on Equity (ROE) | -21.9850% | 7,243 |
| Retained earnings to average equity (ytd only) | -21.9850% | 7,191 |
| Net charge-offs to loans | 2.6505% | 415 |
| Credit loss provision to net charge-offs | 105.8710% | 2,516 |
| Earnings coverage of net charge-offs (x) | -0.1781% | 4,682 |
| Efficiency ratio | 106.6427% | 564 |
| Assets per employee ($millions) | 5.1619% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 2,336 |
| Loan loss allowance to noncurrent loans | 28.5917% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 14.0908% | 177 |
| Noncurrent loans to loans | 7.0880% | 768 |
| Net loans and leases to total assets | 59.1320% | 4,439 |
| Net loans and leases to deposits | 76.6125% | 3,317 |
| Net loans and leases to core deposits | 95.7397% | 1,693 |
| Total domestic deposits to total assets | 77.1831% | 6,500 |
| Equity capital to assets | 9.0224% | 5,172 |
| Core capital (leverage) ratio | 8.9779% | 4,648 |
| Tier 1 risk-based capital ratio | 12.2885% | 5,448 |
| Total risk-based capital ratio | 13.5440% | 5,436 |
| Memoranda: | ||
| Average total assets | $263,186,000 | 2,445 |
| Average earning assets | $209,729,500 | 2,791 |
| Average equity | $24,307,500 | 2,615 |
| Average total loans | $156,798,000 | 2,605 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 2,885 |
| Cost of funding earning assets | 2.2686% | 239 |
| Net interest margin | 3.0836% | 6,560 |
| Noninterest income to average assets | 1.8218% | 465 |
| Noninterest expense to average assets | 5.2602% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.3415% | 6,258 |
| Return on assets (ROA) | -0.1211% | 6,070 |
| Pretax return on assets | -0.5391% | 6,350 |
| Return on Equity (ROE) | -1.3147% | 6,097 |
| Retained earnings to average equity (ytd only) | -1.3147% | 5,861 |
| Net charge-offs to loans | 0.2330% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -6.6838% | 6,783 |
| Efficiency ratio | 120.1878% | 404 |
| Assets per employee ($millions) | 4.8725% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 2,199 |
| Loan loss allowance to noncurrent loans | 25.5149% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 15.6612% | 143 |
| Noncurrent loans to loans | 8.0029% | 648 |
| Net loans and leases to total assets | 57.5976% | 5,084 |
| Net loans and leases to deposits | 72.7379% | 4,390 |
| Net loans and leases to core deposits | 97.3496% | 1,860 |
| Total domestic deposits to total assets | 79.1851% | 6,037 |
| Equity capital to assets | 9.4495% | 4,466 |
| Core capital (leverage) ratio | 9.0648% | 4,425 |
| Tier 1 risk-based capital ratio | 12.7309% | 4,837 |
| Total risk-based capital ratio | 13.9857% | 4,804 |
| Memoranda: | ||
| Average total assets | $279,893,000 | 2,281 |
| Average earning assets | $231,902,800 | 2,507 |
| Average equity | $25,786,000 | 2,477 |
| Average total loans | $158,794,200 | 2,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3856% | 2,939 |
| Cost of funding earning assets | 2.3015% | 271 |
| Net interest margin | 3.0841% | 6,653 |
| Noninterest income to average assets | 1.3287% | 770 |
| Noninterest expense to average assets | 5.4822% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.9096% | 6,847 |
| Return on assets (ROA) | -0.6284% | 6,730 |
| Pretax return on assets | -1.1269% | 6,911 |
| Return on Equity (ROE) | -6.8621% | 6,783 |
| Retained earnings to average equity (ytd only) | -6.8621% | 6,707 |
| Net charge-offs to loans | 0.2303% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -12.0906% | 6,634 |
| Efficiency ratio | 139.9928% | 248 |
| Assets per employee ($millions) | 5.4065% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 2,103 |
| Loan loss allowance to noncurrent loans | 45.4520% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 12.1209% | 266 |
| Noncurrent loans to loans | 4.5080% | 1,601 |
| Net loans and leases to total assets | 54.2702% | 5,806 |
| Net loans and leases to deposits | 71.0161% | 4,992 |
| Net loans and leases to core deposits | 100.5769% | 1,795 |
| Total domestic deposits to total assets | 76.4195% | 6,584 |
| Equity capital to assets | 8.7783% | 5,892 |
| Core capital (leverage) ratio | 8.4792% | 5,549 |
| Tier 1 risk-based capital ratio | 12.5528% | 4,934 |
| Total risk-based capital ratio | 13.9056% | 4,836 |
| Memoranda: | ||
| Average total assets | $284,087,500 | 2,286 |
| Average earning assets | $238,334,250 | 2,482 |
| Average equity | $26,016,750 | 2,494 |
| Average total loans | $159,816,000 | 2,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 2,405 |
| Cost of funding earning assets | 2.2936% | 344 |
| Net interest margin | 3.2369% | 6,202 |
| Noninterest income to average assets | 1.3733% | 665 |
| Noninterest expense to average assets | 4.7411% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2263% | 6,388 |
| Return on assets (ROA) | -0.0374% | 6,219 |
| Pretax return on assets | -0.3325% | 6,462 |
| Return on Equity (ROE) | -0.4030% | 6,238 |
| Retained earnings to average equity (ytd only) | -0.4030% | 5,821 |
| Net charge-offs to loans | 0.3471% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -3.1978% | 6,263 |
| Efficiency ratio | 115.2592% | 475 |
| Assets per employee ($millions) | 5.4249% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 2,066 |
| Loan loss allowance to noncurrent loans | 78.2431% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 8.3230% | 573 |
| Noncurrent loans to loans | 2.6236% | 3,017 |
| Net loans and leases to total assets | 52.9514% | 6,110 |
| Net loans and leases to deposits | 68.1354% | 5,547 |
| Net loans and leases to core deposits | 99.0265% | 2,121 |
| Total domestic deposits to total assets | 77.7150% | 6,334 |
| Equity capital to assets | 8.9832% | 5,475 |
| Core capital (leverage) ratio | 8.9291% | 4,709 |
| Tier 1 risk-based capital ratio | 13.4546% | 4,099 |
| Total risk-based capital ratio | 14.8097% | 4,000 |
| Memoranda: | ||
| Average total assets | $283,268,000 | 2,309 |
| Average earning assets | $239,800,670 | 2,483 |
| Average equity | $26,304,330 | 2,469 |
| Average total loans | $160,167,330 | 2,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6989% | 1,785 |
| Cost of funding earning assets | 2.3466% | 364 |
| Net interest margin | 3.3523% | 5,775 |
| Noninterest income to average assets | 1.1134% | 1,015 |
| Noninterest expense to average assets | 4.1562% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0028% | 6,278 |
| Return on assets (ROA) | 0.1279% | 6,058 |
| Pretax return on assets | -0.0172% | 6,380 |
| Return on Equity (ROE) | 1.3537% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.3537% | 5,268 |
| Net charge-offs to loans | 0.2781% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.3214% | 5,415 |
| Efficiency ratio | 105.3916% | 690 |
| Assets per employee ($millions) | 5.0840% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1996% | 1,753 |
| Loan loss allowance to noncurrent loans | 93.1589% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 9.1977% | 473 |
| Noncurrent loans to loans | 2.3612% | 3,314 |
| Net loans and leases to total assets | 53.3793% | 6,108 |
| Net loans and leases to deposits | 68.7628% | 5,500 |
| Net loans and leases to core deposits | 99.7886% | 2,156 |
| Total domestic deposits to total assets | 77.6282% | 6,421 |
| Equity capital to assets | 9.3607% | 4,737 |
| Core capital (leverage) ratio | 9.4981% | 3,776 |
| Tier 1 risk-based capital ratio | 13.7413% | 3,840 |
| Total risk-based capital ratio | 14.9981% | 3,787 |
| Memoranda: | ||
| Average total assets | $278,429,000 | 2,406 |
| Average earning assets | $235,063,500 | 2,591 |
| Average equity | $26,298,500 | 2,489 |
| Average total loans | $161,066,000 | 2,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0125% | 1,818 |
| Cost of funding earning assets | 2.9863% | 245 |
| Net interest margin | 3.0262% | 6,580 |
| Noninterest income to average assets | 2.0511% | 359 |
| Noninterest expense to average assets | 4.0621% | 1,286 |
| Loan and lease loss provision to assets | 1.1570% | 1,976 |
| Net operating income to assets | -0.3999% | 6,081 |
| Return on assets (ROA) | 0.6956% | 3,025 |
| Pretax return on assets | 0.5644% | 4,004 |
| Return on Equity (ROE) | 8.0057% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.0290% | 1,334 |
| Net charge-offs to loans | 1.3309% | 1,873 |
| Credit loss provision to net charge-offs | 149.6224% | 3,113 |
| Earnings coverage of net charge-offs (x) | 0.8094% | 5,302 |
| Efficiency ratio | 86.6491% | 2,038 |
| Assets per employee ($millions) | 4.8599% | 2,393 |
| Cash dividends to net income (ytd only)* | 24.6914% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1164% | 1,797 |
| Loan loss allowance to noncurrent loans | 43.6703% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 8.2357% | 529 |
| Noncurrent loans to loans | 4.8464% | 1,418 |
| Net loans and leases to total assets | 59.9704% | 5,340 |
| Net loans and leases to deposits | 80.5143% | 3,887 |
| Net loans and leases to core deposits | 113.3329% | 2,563 |
| Total domestic deposits to total assets | 74.4841% | 6,950 |
| Equity capital to assets | 9.5339% | 4,377 |
| Core capital (leverage) ratio | 9.6259% | 3,555 |
| Tier 1 risk-based capital ratio | 13.2721% | 3,969 |
| Total risk-based capital ratio | 14.5289% | 3,908 |
| Memoranda: | ||
| Average total assets | $291,107,000 | 2,274 |
| Average earning assets | $253,655,000 | 2,374 |
| Average equity | $25,294,400 | 2,583 |
| Average total loans | $169,128,200 | 2,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1918% | 1,394 |
| Cost of funding earning assets | 3.5477% | 56 |
| Net interest margin | 2.6441% | 7,300 |
| Noninterest income to average assets | 2.0821% | 341 |
| Noninterest expense to average assets | 3.7293% | 1,750 |
| Loan and lease loss provision to assets | 0.8644% | 2,222 |
| Net operating income to assets | -0.1441% | 5,976 |
| Return on assets (ROA) | 0.9500% | 2,294 |
| Pretax return on assets | 1.2263% | 2,177 |
| Return on Equity (ROE) | 11.1837% | 1,570 |
| Retained earnings to average equity (ytd only) | 8.5310% | 965 |
| Net charge-offs to loans | 1.0597% | 1,875 |
| Credit loss provision to net charge-offs | 142.1794% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.1016% | 4,962 |
| Efficiency ratio | 84.7761% | 2,211 |
| Assets per employee ($millions) | 5.1793% | 1,922 |
| Cash dividends to net income (ytd only)* | 23.7191% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,439 |
| Loan loss allowance to noncurrent loans | 26.1648% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 9.0531% | 426 |
| Noncurrent loans to loans | 6.6935% | 844 |
| Net loans and leases to total assets | 59.8129% | 5,613 |
| Net loans and leases to deposits | 76.6050% | 4,948 |
| Net loans and leases to core deposits | 104.9789% | 3,824 |
| Total domestic deposits to total assets | 78.0795% | 6,066 |
| Equity capital to assets | 9.4718% | 4,781 |
| Core capital (leverage) ratio | 9.0441% | 4,586 |
| Tier 1 risk-based capital ratio | 13.3856% | 3,933 |
| Total risk-based capital ratio | 14.6389% | 3,873 |
| Memoranda: | ||
| Average total assets | $295,844,750 | 2,257 |
| Average earning assets | $259,241,500 | 2,344 |
| Average equity | $25,131,250 | 2,622 |
| Average total loans | $169,724,750 | 2,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3830% | 1,042 |
| Cost of funding earning assets | 3.5011% | 110 |
| Net interest margin | 2.8819% | 6,843 |
| Noninterest income to average assets | 1.8497% | 429 |
| Noninterest expense to average assets | 3.6523% | 1,942 |
| Loan and lease loss provision to assets | 0.4289% | 3,408 |
| Net operating income to assets | 0.2432% | 5,112 |
| Return on assets (ROA) | 0.8611% | 2,711 |
| Pretax return on assets | 1.0557% | 2,793 |
| Return on Equity (ROE) | 10.5114% | 1,847 |
| Retained earnings to average equity (ytd only) | 6.4592% | 1,817 |
| Net charge-offs to loans | 0.1569% | 4,625 |
| Credit loss provision to net charge-offs | 485.7143% | 953 |
| Earnings coverage of net charge-offs (x) | 8.2782% | 2,288 |
| Efficiency ratio | 83.3232% | 2,565 |
| Assets per employee ($millions) | 5.4120% | 1,656 |
| Cash dividends to net income (ytd only)* | 38.5505% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 2,210 |
| Loan loss allowance to noncurrent loans | 34.3912% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 7.0242% | 601 |
| Noncurrent loans to loans | 5.0587% | 1,204 |
| Net loans and leases to total assets | 56.5479% | 6,150 |
| Net loans and leases to deposits | 81.1076% | 4,373 |
| Net loans and leases to core deposits | 110.5218% | 3,323 |
| Total domestic deposits to total assets | 69.7196% | 7,499 |
| Equity capital to assets | 8.9787% | 5,346 |
| Core capital (leverage) ratio | 8.3504% | 5,711 |
| Tier 1 risk-based capital ratio | 12.1252% | 4,826 |
| Total risk-based capital ratio | 13.3772% | 4,728 |
| Memoranda: | ||
| Average total assets | $301,231,670 | 2,251 |
| Average earning assets | $264,828,000 | 2,308 |
| Average equity | $24,678,000 | 2,672 |
| Average total loans | $169,543,330 | 2,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6173% | 689 |
| Cost of funding earning assets | 3.3415% | 237 |
| Net interest margin | 3.2758% | 5,592 |
| Noninterest income to average assets | 1.5910% | 543 |
| Noninterest expense to average assets | 3.3494% | 2,499 |
| Loan and lease loss provision to assets | 0.3271% | 3,359 |
| Net operating income to assets | 0.7102% | 3,505 |
| Return on assets (ROA) | 0.8962% | 2,868 |
| Pretax return on assets | 0.9931% | 3,371 |
| Return on Equity (ROE) | 11.4659% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.0966% | 4,150 |
| Net charge-offs to loans | 0.0728% | 4,460 |
| Credit loss provision to net charge-offs | 806.4516% | 740 |
| Earnings coverage of net charge-offs (x) | 27.4516% | 1,131 |
| Efficiency ratio | 75.0513% | 3,653 |
| Assets per employee ($millions) | 6.0715% | 1,153 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 2,764 |
| Loan loss allowance to noncurrent loans | 42.0649% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 5.4833% | 779 |
| Noncurrent loans to loans | 3.6623% | 1,710 |
| Net loans and leases to total assets | 54.3257% | 6,429 |
| Net loans and leases to deposits | 80.1768% | 4,581 |
| Net loans and leases to core deposits | 108.9720% | 3,565 |
| Total domestic deposits to total assets | 67.7574% | 7,609 |
| Equity capital to assets | 7.6357% | 7,236 |
| Core capital (leverage) ratio | 7.5113% | 7,154 |
| Tier 1 risk-based capital ratio | 10.8638% | 6,028 |
| Total risk-based capital ratio | 12.0836% | 5,968 |
| Memoranda: | ||
| Average total assets | $305,723,500 | 2,233 |
| Average earning assets | $268,026,500 | 2,307 |
| Average equity | $23,897,000 | 2,780 |
| Average total loans | $170,222,000 | 2,697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8185% | 1,616 |
| Cost of funding earning assets | 3.7859% | 212 |
| Net interest margin | 3.0327% | 6,829 |
| Noninterest income to average assets | 1.7834% | 427 |
| Noninterest expense to average assets | 3.2550% | 3,136 |
| Loan and lease loss provision to assets | 0.4177% | 3,195 |
| Net operating income to assets | 0.5174% | 4,656 |
| Return on assets (ROA) | 0.7871% | 3,333 |
| Pretax return on assets | 1.2376% | 2,521 |
| Return on Equity (ROE) | 9.8305% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.8305% | 476 |
| Net charge-offs to loans | 0.4483% | 2,587 |
| Credit loss provision to net charge-offs | 151.5395% | 3,458 |
| Earnings coverage of net charge-offs (x) | 4.4766% | 3,964 |
| Efficiency ratio | 72.5113% | 3,844 |
| Assets per employee ($millions) | 5.5889% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 3,070 |
| Loan loss allowance to noncurrent loans | 29.2804% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 5.1707% | 655 |
| Noncurrent loans to loans | 4.8593% | 927 |
| Net loans and leases to total assets | 55.3947% | 6,503 |
| Net loans and leases to deposits | 87.9779% | 3,808 |
| Net loans and leases to core deposits | 124.1184% | 2,317 |
| Total domestic deposits to total assets | 62.9643% | 7,839 |
| Equity capital to assets | 8.0020% | 6,841 |
| Core capital (leverage) ratio | 8.4899% | 5,598 |
| Tier 1 risk-based capital ratio | 11.9639% | 4,850 |
| Total risk-based capital ratio | 13.1704% | 4,783 |
| Memoranda: | ||
| Average total assets | $271,000,400 | 2,374 |
| Average earning assets | $241,767,600 | 2,439 |
| Average equity | $21,697,800 | 3,013 |
| Average total loans | $166,644,400 | 2,678 |