Home > Professional Bank > Performance and Condition Ratios
Professional Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0693% | 1,544 |
| Cost of funding earning assets | 0.4923% | 1,448 |
| Net interest margin | 3.5770% | 1,711 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.9905% | 3,603 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.0707% | 2,298 |
| Return on assets (ROA) | 1.0566% | 2,297 |
| Pretax return on assets | 1.3937% | 1,785 |
| Return on Equity (ROE) | 11.4400% | 2,323 |
| Retained earnings to average equity (ytd only) | 11.4382% | 798 |
| Net charge-offs to loans | 0.0336% | 1,402 |
| Credit loss provision to net charge-offs | 808.1040% | 491 |
| Earnings coverage of net charge-offs (x) | 65.2416% | 1,196 |
| Efficiency ratio | 55.0086% | 3,681 |
| Assets per employee ($millions) | 13.1945% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,004 |
| Loan loss allowance to noncurrent loans | 1,173.7305% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,233 |
| Noncurrent loans to loans | 0.0692% | 3,256 |
| Net loans and leases to total assets | 81.8200% | 425 |
| Net loans and leases to deposits | 96.6206% | 605 |
| Net loans and leases to core deposits | 100.7416% | 960 |
| Total domestic deposits to total assets | 84.6800% | 3,062 |
| Equity capital to assets | 9.9603% | 1,725 |
| Core capital (leverage) ratio | 10.0031% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5036% | 2,572 |
| Memoranda: | ||
| Average total assets | $2,648,390,400 | 433 |
| Average earning assets | $2,495,628,600 | 419 |
| Average equity | $244,637,200 | 451 |
| Average total loans | $1,945,304,000 | 386 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 1,694 |
| Cost of funding earning assets | 0.2861% | 2,323 |
| Net interest margin | 3.5319% | 1,573 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.0438% | 3,371 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.0211% | 2,404 |
| Return on assets (ROA) | 1.0013% | 2,444 |
| Pretax return on assets | 1.2721% | 2,135 |
| Return on Equity (ROE) | 11.0500% | 2,362 |
| Retained earnings to average equity (ytd only) | 11.0502% | 1,040 |
| Net charge-offs to loans | 0.0459% | 1,026 |
| Credit loss provision to net charge-offs | 677.9817% | 521 |
| Earnings coverage of net charge-offs (x) | 46.4083% | 1,322 |
| Efficiency ratio | 57.1017% | 3,499 |
| Assets per employee ($millions) | 11.9312% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 4,038 |
| Loan loss allowance to noncurrent loans | 933.9943% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,180 |
| Noncurrent loans to loans | 0.0880% | 3,251 |
| Net loans and leases to total assets | 80.5100% | 489 |
| Net loans and leases to deposits | 90.2660% | 876 |
| Net loans and leases to core deposits | 94.3477% | 1,073 |
| Total domestic deposits to total assets | 89.1900% | 2,011 |
| Equity capital to assets | 10.0523% | 1,590 |
| Core capital (leverage) ratio | 9.6400% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5426% | 2,643 |
| Memoranda: | ||
| Average total assets | $2,663,958,250 | 431 |
| Average earning assets | $2,509,361,500 | 416 |
| Average equity | $241,400,500 | 461 |
| Average total loans | $1,898,290,250 | 392 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 2,234 |
| Cost of funding earning assets | 0.2493% | 2,282 |
| Net interest margin | 3.2167% | 2,136 |
| Noninterest income to average assets | 0.2449% | 3,701 |
| Noninterest expense to average assets | 2.0726% | 3,227 |
| Loan and lease loss provision to assets | 0.2266% | 346 |
| Net operating income to assets | 0.7817% | 3,021 |
| Return on assets (ROA) | 0.7630% | 3,060 |
| Pretax return on assets | 0.9622% | 2,863 |
| Return on Equity (ROE) | 8.7072% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.7072% | 1,372 |
| Net charge-offs to loans | 0.0701% | 743 |
| Credit loss provision to net charge-offs | 473.3538% | 647 |
| Earnings coverage of net charge-offs (x) | 25.3323% | 1,465 |
| Efficiency ratio | 62.8082% | 2,943 |
| Assets per employee ($millions) | 12.4743% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,238 |
| Loan loss allowance to noncurrent loans | 1,031.4714% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,430 |
| Noncurrent loans to loans | 0.0739% | 3,432 |
| Net loans and leases to total assets | 74.2217% | 891 |
| Net loans and leases to deposits | 82.2367% | 1,232 |
| Net loans and leases to core deposits | 87.2554% | 1,257 |
| Total domestic deposits to total assets | 90.2538% | 1,607 |
| Equity capital to assets | 9.1636% | 2,268 |
| Core capital (leverage) ratio | 8.4598% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1229% | 2,780 |
| Memoranda: | ||
| Average total assets | $2,728,688,667 | 417 |
| Average earning assets | $2,578,911,333 | 407 |
| Average equity | $239,111,333 | 462 |
| Average total loans | $1,862,755,333 | 389 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2093% | 2,657 |
| Cost of funding earning assets | 0.2626% | 2,012 |
| Net interest margin | 2.9467% | 2,683 |
| Noninterest income to average assets | 0.2059% | 3,927 |
| Noninterest expense to average assets | 2.3229% | 2,413 |
| Loan and lease loss provision to assets | 0.1231% | 676 |
| Net operating income to assets | 0.4448% | 3,859 |
| Return on assets (ROA) | 0.4216% | 3,872 |
| Pretax return on assets | 0.5238% | 3,826 |
| Return on Equity (ROE) | 4.9197% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.9197% | 2,615 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1387% | 1,392 |
| Assets per employee ($millions) | 13.7799% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 4,322 |
| Loan loss allowance to noncurrent loans | 638.7842% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,331 |
| Noncurrent loans to loans | 0.1164% | 3,247 |
| Net loans and leases to total assets | 63.1548% | 1,725 |
| Net loans and leases to deposits | 69.4531% | 2,012 |
| Net loans and leases to core deposits | 74.4743% | 1,901 |
| Total domestic deposits to total assets | 90.9316% | 1,071 |
| Equity capital to assets | 8.3678% | 3,270 |
| Core capital (leverage) ratio | 8.1490% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8087% | 2,676 |
| Memoranda: | ||
| Average total assets | $2,764,520,000 | 419 |
| Average earning assets | $2,620,126,000 | 406 |
| Average equity | $236,927,000 | 471 |
| Average total loans | $1,800,516,500 | 396 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 2,728 |
| Cost of funding earning assets | 0.3022% | 2,389 |
| Net interest margin | 3.1745% | 2,670 |
| Noninterest income to average assets | 0.2775% | 3,725 |
| Noninterest expense to average assets | 1.8975% | 3,928 |
| Loan and lease loss provision to assets | 0.1949% | 566 |
| Net operating income to assets | 0.9425% | 2,894 |
| Return on assets (ROA) | 0.9384% | 2,975 |
| Pretax return on assets | 1.1694% | 2,763 |
| Return on Equity (ROE) | 10.9047% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.9047% | 721 |
| Net charge-offs to loans | 0.4852% | 171 |
| Credit loss provision to net charge-offs | 57.1429% | 2,086 |
| Earnings coverage of net charge-offs (x) | 4.0151% | 2,512 |
| Efficiency ratio | 57.7440% | 3,482 |
| Assets per employee ($millions) | 12.8021% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,400 |
| Loan loss allowance to noncurrent loans | 598.6805% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,391 |
| Noncurrent loans to loans | 0.1194% | 3,334 |
| Net loans and leases to total assets | 66.2688% | 1,443 |
| Net loans and leases to deposits | 74.1024% | 1,715 |
| Net loans and leases to core deposits | 80.2197% | 1,575 |
| Total domestic deposits to total assets | 89.4286% | 1,279 |
| Equity capital to assets | 8.7882% | 3,818 |
| Core capital (leverage) ratio | 7.7495% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8694% | 2,676 |
| Memoranda: | ||
| Average total assets | $2,431,784,000 | 445 |
| Average earning assets | $2,290,144,800 | 437 |
| Average equity | $209,257,800 | 517 |
| Average total loans | $1,709,472,800 | 407 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 2,658 |
| Cost of funding earning assets | 0.3049% | 2,548 |
| Net interest margin | 3.2570% | 2,559 |
| Noninterest income to average assets | 0.2990% | 3,649 |
| Noninterest expense to average assets | 1.8758% | 3,999 |
| Loan and lease loss provision to assets | 0.1606% | 687 |
| Net operating income to assets | 1.0509% | 2,725 |
| Return on assets (ROA) | 1.0474% | 2,807 |
| Pretax return on assets | 1.3201% | 2,574 |
| Return on Equity (ROE) | 12.2445% | 1,960 |
| Retained earnings to average equity (ytd only) | 12.2445% | 789 |
| Net charge-offs to loans | 0.6019% | 131 |
| Credit loss provision to net charge-offs | 37.4297% | 1,930 |
| Earnings coverage of net charge-offs (x) | 3.4608% | 2,308 |
| Efficiency ratio | 55.4826% | 3,593 |
| Assets per employee ($millions) | 13.0938% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 4,534 |
| Loan loss allowance to noncurrent loans | 413.6216% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 3,405 |
| Noncurrent loans to loans | 0.1644% | 3,299 |
| Net loans and leases to total assets | 63.3681% | 1,856 |
| Net loans and leases to deposits | 70.5520% | 2,184 |
| Net loans and leases to core deposits | 76.3115% | 2,017 |
| Total domestic deposits to total assets | 89.8176% | 856 |
| Equity capital to assets | 8.3282% | 4,320 |
| Core capital (leverage) ratio | 7.6717% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9229% | 2,737 |
| Memoranda: | ||
| Average total assets | $2,374,022,500 | 458 |
| Average earning assets | $2,231,886,500 | 453 |
| Average equity | $203,068,750 | 535 |
| Average total loans | $1,692,508,750 | 415 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 2,571 |
| Cost of funding earning assets | 0.3216% | 2,574 |
| Net interest margin | 3.2941% | 2,457 |
| Noninterest income to average assets | 0.3239% | 3,489 |
| Noninterest expense to average assets | 1.9148% | 3,931 |
| Loan and lease loss provision to assets | 0.1576% | 739 |
| Net operating income to assets | 1.0638% | 2,668 |
| Return on assets (ROA) | 1.0610% | 2,752 |
| Pretax return on assets | 1.3384% | 2,524 |
| Return on Equity (ROE) | 12.2787% | 1,953 |
| Retained earnings to average equity (ytd only) | 12.2787% | 857 |
| Net charge-offs to loans | 0.9020% | 90 |
| Credit loss provision to net charge-offs | 23.5571% | 1,722 |
| Earnings coverage of net charge-offs (x) | 2.2411% | 2,137 |
| Efficiency ratio | 55.7505% | 3,576 |
| Assets per employee ($millions) | 13.1985% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 4,640 |
| Loan loss allowance to noncurrent loans | 375.4234% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 3,503 |
| Noncurrent loans to loans | 0.1639% | 3,394 |
| Net loans and leases to total assets | 65.6981% | 1,726 |
| Net loans and leases to deposits | 73.1182% | 2,090 |
| Net loans and leases to core deposits | 79.1439% | 1,949 |
| Total domestic deposits to total assets | 89.8519% | 841 |
| Equity capital to assets | 8.3421% | 4,332 |
| Core capital (leverage) ratio | 7.3955% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8277% | 2,765 |
| Memoranda: | ||
| Average total assets | $2,283,711,667 | 470 |
| Average earning assets | $2,142,526,000 | 462 |
| Average equity | $197,333,000 | 548 |
| Average total loans | $1,694,166,667 | 420 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 1,680 |
| Cost of funding earning assets | 0.3528% | 2,499 |
| Net interest margin | 3.6064% | 1,568 |
| Noninterest income to average assets | 0.2359% | 3,978 |
| Noninterest expense to average assets | 2.0456% | 3,573 |
| Loan and lease loss provision to assets | 0.1935% | 634 |
| Net operating income to assets | 1.0467% | 2,648 |
| Return on assets (ROA) | 1.0333% | 2,781 |
| Pretax return on assets | 1.3378% | 2,465 |
| Return on Equity (ROE) | 11.7168% | 2,118 |
| Retained earnings to average equity (ytd only) | 11.7168% | 1,221 |
| Net charge-offs to loans | 1.8033% | 42 |
| Credit loss provision to net charge-offs | 13.5846% | 1,441 |
| Earnings coverage of net charge-offs (x) | 1.0868% | 1,868 |
| Efficiency ratio | 56.6122% | 3,476 |
| Assets per employee ($millions) | 11.7563% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5578% | 4,733 |
| Loan loss allowance to noncurrent loans | 347.9640% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 3,555 |
| Noncurrent loans to loans | 0.1603% | 3,534 |
| Net loans and leases to total assets | 77.0598% | 536 |
| Net loans and leases to deposits | 88.3614% | 800 |
| Net loans and leases to core deposits | 96.6385% | 859 |
| Total domestic deposits to total assets | 87.2098% | 2,219 |
| Equity capital to assets | 8.5967% | 4,048 |
| Core capital (leverage) ratio | 8.2395% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5837% | 2,995 |
| Memoranda: | ||
| Average total assets | $2,145,313,000 | 485 |
| Average earning assets | $1,997,558,000 | 483 |
| Average equity | $189,199,000 | 564 |
| Average total loans | $1,694,938,000 | 419 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 2,297 |
| Cost of funding earning assets | 0.5153% | 2,850 |
| Net interest margin | 3.6300% | 2,041 |
| Noninterest income to average assets | 0.2666% | 3,886 |
| Noninterest expense to average assets | 2.2927% | 3,424 |
| Loan and lease loss provision to assets | 0.5634% | 383 |
| Net operating income to assets | 0.6337% | 3,638 |
| Return on assets (ROA) | 0.6369% | 3,756 |
| Pretax return on assets | 0.8171% | 3,590 |
| Return on Equity (ROE) | 7.1686% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.1686% | 1,332 |
| Net charge-offs to loans | 0.0220% | 2,613 |
| Credit loss provision to net charge-offs | 3,262.8664% | 303 |
| Earnings coverage of net charge-offs (x) | 79.7134% | 900 |
| Efficiency ratio | 62.1965% | 3,091 |
| Assets per employee ($millions) | 11.3018% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,940 |
| Loan loss allowance to noncurrent loans | 155.8271% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 2,041 |
| Noncurrent loans to loans | 0.6290% | 2,120 |
| Net loans and leases to total assets | 79.8607% | 438 |
| Net loans and leases to deposits | 96.4858% | 527 |
| Net loans and leases to core deposits | 106.5173% | 625 |
| Total domestic deposits to total assets | 82.7694% | 3,473 |
| Equity capital to assets | 9.0608% | 4,005 |
| Core capital (leverage) ratio | 8.4227% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0467% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,777,838,000 | 534 |
| Average earning assets | $1,666,454,400 | 522 |
| Average equity | $157,951,800 | 646 |
| Average total loans | $1,394,519,600 | 480 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 2,896 |
| Cost of funding earning assets | 0.5390% | 3,001 |
| Net interest margin | 3.4881% | 2,628 |
| Noninterest income to average assets | 0.2413% | 4,038 |
| Noninterest expense to average assets | 2.3728% | 3,208 |
| Loan and lease loss provision to assets | 0.6841% | 321 |
| Net operating income to assets | 0.3889% | 4,287 |
| Return on assets (ROA) | 0.3915% | 4,343 |
| Pretax return on assets | 0.4753% | 4,325 |
| Return on Equity (ROE) | 4.4327% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.4327% | 2,834 |
| Net charge-offs to loans | 0.0279% | 2,274 |
| Credit loss provision to net charge-offs | 3,152.5180% | 336 |
| Earnings coverage of net charge-offs (x) | 53.2842% | 1,155 |
| Efficiency ratio | 66.4853% | 2,402 |
| Assets per employee ($millions) | 12.0731% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 3,939 |
| Loan loss allowance to noncurrent loans | 150.9993% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,287 |
| Noncurrent loans to loans | 0.6212% | 2,247 |
| Net loans and leases to total assets | 76.4682% | 1,039 |
| Net loans and leases to deposits | 98.5332% | 596 |
| Net loans and leases to core deposits | 109.0261% | 731 |
| Total domestic deposits to total assets | 77.6065% | 4,252 |
| Equity capital to assets | 8.4017% | 4,518 |
| Core capital (leverage) ratio | 8.4681% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7199% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,708,064,250 | 545 |
| Average earning assets | $1,609,965,250 | 531 |
| Average equity | $150,846,250 | 659 |
| Average total loans | $1,328,414,250 | 493 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 3,432 |
| Cost of funding earning assets | 0.6633% | 2,606 |
| Net interest margin | 3.2964% | 3,397 |
| Noninterest income to average assets | 0.2497% | 3,974 |
| Noninterest expense to average assets | 2.3918% | 3,278 |
| Loan and lease loss provision to assets | 0.3274% | 1,303 |
| Net operating income to assets | 0.4570% | 4,119 |
| Return on assets (ROA) | 0.4609% | 4,175 |
| Pretax return on assets | 0.6365% | 3,993 |
| Return on Equity (ROE) | 5.1101% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.1101% | 2,421 |
| Net charge-offs to loans | 0.0160% | 2,421 |
| Credit loss provision to net charge-offs | 2,621.2121% | 394 |
| Earnings coverage of net charge-offs (x) | 76.7778% | 832 |
| Efficiency ratio | 70.7218% | 1,859 |
| Assets per employee ($millions) | 11.3481% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 4,766 |
| Loan loss allowance to noncurrent loans | 146.5489% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,093 |
| Noncurrent loans to loans | 0.3935% | 2,993 |
| Net loans and leases to total assets | 76.7704% | 1,026 |
| Net loans and leases to deposits | 99.9614% | 555 |
| Net loans and leases to core deposits | 112.2710% | 654 |
| Total domestic deposits to total assets | 76.8000% | 4,341 |
| Equity capital to assets | 8.4905% | 4,484 |
| Core capital (leverage) ratio | 8.8020% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8610% | 2,666 |
| Memoranda: | ||
| Average total assets | $1,585,230,667 | 568 |
| Average earning assets | $1,491,313,000 | 557 |
| Average equity | $142,972,667 | 685 |
| Average total loans | $1,236,903,667 | 517 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,684 |
| Cost of funding earning assets | 0.9106% | 1,816 |
| Net interest margin | 2.5437% | 4,793 |
| Noninterest income to average assets | 0.2519% | 4,041 |
| Noninterest expense to average assets | 2.2702% | 3,836 |
| Loan and lease loss provision to assets | 0.2481% | 1,247 |
| Net operating income to assets | 0.0101% | 4,744 |
| Return on assets (ROA) | 0.0159% | 4,724 |
| Pretax return on assets | 0.1239% | 4,640 |
| Return on Equity (ROE) | 0.1685% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.1685% | 3,950 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1585% | 692 |
| Assets per employee ($millions) | 8.7535% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 4,833 |
| Loan loss allowance to noncurrent loans | 444.8857% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,120 |
| Noncurrent loans to loans | 0.1231% | 4,029 |
| Net loans and leases to total assets | 80.3337% | 660 |
| Net loans and leases to deposits | 94.6309% | 1,022 |
| Net loans and leases to core deposits | 107.4055% | 969 |
| Total domestic deposits to total assets | 84.8916% | 2,449 |
| Equity capital to assets | 10.0494% | 3,731 |
| Core capital (leverage) ratio | 8.6309% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6115% | 3,202 |
| Memoranda: | ||
| Average total assets | $1,362,189,500 | 616 |
| Average earning assets | $1,276,099,500 | 602 |
| Average equity | $128,224,500 | 759 |
| Average total loans | $1,071,109,500 | 560 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 2,460 |
| Cost of funding earning assets | 1.3248% | 716 |
| Net interest margin | 3.3297% | 3,919 |
| Noninterest income to average assets | 0.3152% | 3,808 |
| Noninterest expense to average assets | 2.8974% | 2,306 |
| Loan and lease loss provision to assets | 0.0965% | 2,110 |
| Net operating income to assets | 0.3866% | 4,616 |
| Return on assets (ROA) | 0.3846% | 4,650 |
| Pretax return on assets | 0.4580% | 4,631 |
| Return on Equity (ROE) | 4.6648% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.6648% | 2,611 |
| Net charge-offs to loans | -0.0003% | 4,135 |
| Credit loss provision to net charge-offs | -43,100.0000% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8792% | 661 |
| Assets per employee ($millions) | 7.6822% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,227 |
| Loan loss allowance to noncurrent loans | 287.3629% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,595 |
| Noncurrent loans to loans | 0.2879% | 3,409 |
| Net loans and leases to total assets | 74.6026% | 1,652 |
| Net loans and leases to deposits | 87.2911% | 1,937 |
| Net loans and leases to core deposits | 94.2570% | 2,037 |
| Total domestic deposits to total assets | 85.4641% | 2,309 |
| Equity capital to assets | 8.4024% | 4,951 |
| Core capital (leverage) ratio | 8.6580% | 4,754 |
| Tier 1 risk-based capital ratio | 12.6230% | 3,994 |
| Total risk-based capital ratio | 13.6436% | 4,001 |
| Memoranda: | ||
| Average total assets | $893,606,600 | 881 |
| Average earning assets | $842,408,200 | 858 |
| Average equity | $73,679,600 | 1,171 |
| Average total loans | $708,538,600 | 800 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 2,307 |
| Cost of funding earning assets | 1.3245% | 731 |
| Net interest margin | 3.4127% | 3,832 |
| Noninterest income to average assets | 0.3340% | 3,741 |
| Noninterest expense to average assets | 3.0056% | 1,966 |
| Loan and lease loss provision to assets | 0.1190% | 1,642 |
| Net operating income to assets | 0.3095% | 4,827 |
| Return on assets (ROA) | 0.3068% | 4,854 |
| Pretax return on assets | 0.4230% | 4,785 |
| Return on Equity (ROE) | 3.7432% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.7432% | 3,523 |
| Net charge-offs to loans | -0.0004% | 3,964 |
| Credit loss provision to net charge-offs | -38,100.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6408% | 572 |
| Assets per employee ($millions) | 7.1320% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,286 |
| Loan loss allowance to noncurrent loans | 136.3425% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 2,564 |
| Noncurrent loans to loans | 0.6134% | 2,440 |
| Net loans and leases to total assets | 79.4193% | 927 |
| Net loans and leases to deposits | 92.6218% | 1,356 |
| Net loans and leases to core deposits | 100.7083% | 1,608 |
| Total domestic deposits to total assets | 85.7459% | 2,104 |
| Equity capital to assets | 7.9935% | 5,128 |
| Core capital (leverage) ratio | 8.3290% | 5,020 |
| Tier 1 risk-based capital ratio | 11.3224% | 4,752 |
| Total risk-based capital ratio | 12.3595% | 4,756 |
| Memoranda: | ||
| Average total assets | $853,891,750 | 919 |
| Average earning assets | $804,926,500 | 900 |
| Average equity | $69,991,500 | 1,220 |
| Average total loans | $687,744,250 | 820 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7373% | 2,257 |
| Cost of funding earning assets | 1.2752% | 804 |
| Net interest margin | 3.4621% | 3,706 |
| Noninterest income to average assets | 0.3153% | 3,821 |
| Noninterest expense to average assets | 3.0928% | 1,751 |
| Loan and lease loss provision to assets | 0.0934% | 1,982 |
| Net operating income to assets | 0.2837% | 4,893 |
| Return on assets (ROA) | 0.2843% | 4,904 |
| Pretax return on assets | 0.3960% | 4,836 |
| Return on Equity (ROE) | 3.4344% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.4344% | 3,524 |
| Net charge-offs to loans | -0.0006% | 3,878 |
| Credit loss provision to net charge-offs | -19,100.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3534% | 525 |
| Assets per employee ($millions) | 6.6451% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,304 |
| Loan loss allowance to noncurrent loans | 567.7268% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 4,151 |
| Noncurrent loans to loans | 0.1481% | 4,019 |
| Net loans and leases to total assets | 80.3874% | 825 |
| Net loans and leases to deposits | 94.4331% | 1,211 |
| Net loans and leases to core deposits | 103.1702% | 1,458 |
| Total domestic deposits to total assets | 85.1263% | 2,422 |
| Equity capital to assets | 8.2694% | 5,126 |
| Core capital (leverage) ratio | 8.7404% | 4,810 |
| Tier 1 risk-based capital ratio | 11.8890% | 4,480 |
| Total risk-based capital ratio | 12.9665% | 4,470 |
| Memoranda: | ||
| Average total assets | $817,583,330 | 958 |
| Average earning assets | $771,327,670 | 936 |
| Average equity | $67,667,670 | 1,243 |
| Average total loans | $659,955,000 | 849 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 2,104 |
| Cost of funding earning assets | 1.2145% | 865 |
| Net interest margin | 3.5183% | 3,546 |
| Noninterest income to average assets | 0.1890% | 4,620 |
| Noninterest expense to average assets | 3.2490% | 1,386 |
| Loan and lease loss provision to assets | -0.0579% | 5,266 |
| Net operating income to assets | 0.2484% | 4,960 |
| Return on assets (ROA) | 0.2484% | 4,967 |
| Pretax return on assets | 0.3369% | 4,917 |
| Return on Equity (ROE) | 2.9992% | 4,785 |
| Retained earnings to average equity (ytd only) | 2.9992% | 3,734 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0900% | 324 |
| Assets per employee ($millions) | 6.6086% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.4911% | 1,241 |
| Net loans and leases to deposits | 90.0015% | 1,632 |
| Net loans and leases to core deposits | 99.9628% | 1,627 |
| Total domestic deposits to total assets | 86.0998% | 2,233 |
| Equity capital to assets | 8.0793% | 5,158 |
| Core capital (leverage) ratio | 8.8194% | 4,778 |
| Tier 1 risk-based capital ratio | 12.3866% | 4,244 |
| Total risk-based capital ratio | 13.5212% | 4,176 |
| Memoranda: | ||
| Average total assets | $781,153,000 | 995 |
| Average earning assets | $741,371,000 | 976 |
| Average equity | $64,684,500 | 1,288 |
| Average total loans | $628,995,500 | 882 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,156 |
| Cost of funding earning assets | 0.9656% | 860 |
| Net interest margin | 3.6249% | 3,298 |
| Noninterest income to average assets | 0.2970% | 4,123 |
| Noninterest expense to average assets | 2.9781% | 2,105 |
| Loan and lease loss provision to assets | 0.1804% | 1,088 |
| Net operating income to assets | 0.4255% | 4,819 |
| Return on assets (ROA) | 0.4255% | 4,811 |
| Pretax return on assets | 0.5762% | 4,668 |
| Return on Equity (ROE) | 5.1565% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.1565% | 2,688 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7404% | 983 |
| Assets per employee ($millions) | 6.2351% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.4509% | 599 |
| Net loans and leases to deposits | 96.1803% | 1,057 |
| Net loans and leases to core deposits | 106.1066% | 1,262 |
| Total domestic deposits to total assets | 85.7253% | 2,355 |
| Equity capital to assets | 8.4718% | 4,946 |
| Core capital (leverage) ratio | 8.5371% | 5,010 |
| Tier 1 risk-based capital ratio | 12.2135% | 4,289 |
| Total risk-based capital ratio | 13.3742% | 4,232 |
| Memoranda: | ||
| Average total assets | $637,429,800 | 1,146 |
| Average earning assets | $604,510,400 | 1,107 |
| Average equity | $52,593,600 | 1,449 |
| Average total loans | $533,371,400 | 978 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 2,428 |
| Cost of funding earning assets | 0.8801% | 1,001 |
| Net interest margin | 3.5818% | 3,428 |
| Noninterest income to average assets | 0.2860% | 4,242 |
| Noninterest expense to average assets | 2.9803% | 2,073 |
| Loan and lease loss provision to assets | 0.1714% | 1,083 |
| Net operating income to assets | 0.3891% | 4,978 |
| Return on assets (ROA) | 0.3891% | 4,978 |
| Pretax return on assets | 0.5210% | 4,872 |
| Return on Equity (ROE) | 4.7535% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.7535% | 3,368 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1462% | 846 |
| Assets per employee ($millions) | 6.6567% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.2707% | 540 |
| Net loans and leases to deposits | 96.9693% | 1,044 |
| Net loans and leases to core deposits | 105.6909% | 1,334 |
| Total domestic deposits to total assets | 85.8733% | 2,250 |
| Equity capital to assets | 8.1392% | 5,116 |
| Core capital (leverage) ratio | 8.5325% | 5,079 |
| Tier 1 risk-based capital ratio | 11.5394% | 4,771 |
| Total risk-based capital ratio | 12.6483% | 4,731 |
| Memoranda: | ||
| Average total assets | $614,412,000 | 1,182 |
| Average earning assets | $580,963,750 | 1,159 |
| Average equity | $50,291,500 | 1,513 |
| Average total loans | $514,923,000 | 1,019 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,422 |
| Cost of funding earning assets | 0.8033% | 1,110 |
| Net interest margin | 3.5943% | 3,334 |
| Noninterest income to average assets | 0.3130% | 4,083 |
| Noninterest expense to average assets | 3.0455% | 1,921 |
| Loan and lease loss provision to assets | 0.1678% | 1,098 |
| Net operating income to assets | 0.3719% | 5,017 |
| Return on assets (ROA) | 0.3719% | 5,018 |
| Pretax return on assets | 0.4983% | 4,911 |
| Return on Equity (ROE) | 4.5333% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.5333% | 3,327 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0539% | 830 |
| Assets per employee ($millions) | 6.4069% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 81.2520% | 817 |
| Net loans and leases to deposits | 95.4833% | 1,199 |
| Net loans and leases to core deposits | 104.6581% | 1,343 |
| Total domestic deposits to total assets | 85.0955% | 2,633 |
| Equity capital to assets | 8.3128% | 5,069 |
| Core capital (leverage) ratio | 8.8142% | 4,869 |
| Tier 1 risk-based capital ratio | 11.9201% | 4,548 |
| Total risk-based capital ratio | 13.0986% | 4,473 |
| Memoranda: | ||
| Average total assets | $584,014,000 | 1,237 |
| Average earning assets | $552,208,000 | 1,217 |
| Average equity | $47,911,670 | 1,575 |
| Average total loans | $488,934,670 | 1,072 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,286 |
| Cost of funding earning assets | 0.7566% | 1,156 |
| Net interest margin | 3.6159% | 3,114 |
| Noninterest income to average assets | 0.2877% | 4,246 |
| Noninterest expense to average assets | 3.0261% | 2,006 |
| Loan and lease loss provision to assets | 0.1575% | 1,148 |
| Net operating income to assets | 0.3944% | 4,936 |
| Return on assets (ROA) | 0.3944% | 4,942 |
| Pretax return on assets | 0.5282% | 4,831 |
| Return on Equity (ROE) | 4.8435% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8435% | 3,242 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5272% | 997 |
| Assets per employee ($millions) | 6.3420% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.6113% | 583 |
| Net loans and leases to deposits | 95.7719% | 1,059 |
| Net loans and leases to core deposits | 102.8094% | 1,458 |
| Total domestic deposits to total assets | 86.2584% | 2,417 |
| Equity capital to assets | 8.1877% | 5,184 |
| Core capital (leverage) ratio | 8.4528% | 5,173 |
| Tier 1 risk-based capital ratio | 11.3168% | 4,969 |
| Total risk-based capital ratio | 12.5144% | 4,893 |
| Memoranda: | ||
| Average total assets | $558,877,500 | 1,281 |
| Average earning assets | $529,222,500 | 1,267 |
| Average equity | $45,504,000 | 1,658 |
| Average total loans | $473,204,000 | 1,113 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,237 |
| Cost of funding earning assets | 0.6589% | 1,251 |
| Net interest margin | 3.6703% | 2,915 |
| Noninterest income to average assets | 0.3914% | 3,696 |
| Noninterest expense to average assets | 2.7831% | 2,838 |
| Loan and lease loss provision to assets | 0.2143% | 924 |
| Net operating income to assets | 0.4524% | 4,527 |
| Return on assets (ROA) | 0.4524% | 4,557 |
| Pretax return on assets | 0.8512% | 4,089 |
| Return on Equity (ROE) | 5.5758% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.5758% | 1,786 |
| Net charge-offs to loans | -0.0031% | 4,575 |
| Credit loss provision to net charge-offs | -8,258.3333% | 5,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3140% | 2,175 |
| Assets per employee ($millions) | 6.5900% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 4,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.1208% | 334 |
| Net loans and leases to deposits | 97.7892% | 918 |
| Net loans and leases to core deposits | 104.8574% | 1,352 |
| Total domestic deposits to total assets | 87.0452% | 1,973 |
| Equity capital to assets | 8.0944% | 5,356 |
| Core capital (leverage) ratio | 8.6729% | 4,978 |
| Tier 1 risk-based capital ratio | 10.8259% | 5,246 |
| Total risk-based capital ratio | 11.9840% | 5,176 |
| Memoranda: | ||
| Average total assets | $462,400,800 | 1,505 |
| Average earning assets | $435,555,000 | 1,488 |
| Average equity | $37,519,400 | 1,952 |
| Average total loans | $387,463,600 | 1,268 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,171 |
| Cost of funding earning assets | 0.6508% | 1,237 |
| Net interest margin | 3.6804% | 2,823 |
| Noninterest income to average assets | 0.4037% | 3,659 |
| Noninterest expense to average assets | 2.7530% | 2,885 |
| Loan and lease loss provision to assets | 0.2009% | 945 |
| Net operating income to assets | 0.6013% | 4,391 |
| Return on assets (ROA) | 0.6013% | 4,430 |
| Pretax return on assets | 0.9050% | 4,024 |
| Return on Equity (ROE) | 7.4050% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.4050% | 1,487 |
| Net charge-offs to loans | -0.0033% | 4,385 |
| Credit loss provision to net charge-offs | -7,388.8889% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3413% | 2,315 |
| Assets per employee ($millions) | 6.3877% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 81.6930% | 743 |
| Net loans and leases to deposits | 92.4479% | 1,503 |
| Net loans and leases to core deposits | 100.0124% | 1,708 |
| Total domestic deposits to total assets | 88.3666% | 1,190 |
| Equity capital to assets | 8.1972% | 5,440 |
| Core capital (leverage) ratio | 8.4325% | 5,291 |
| Tier 1 risk-based capital ratio | 11.0844% | 5,195 |
| Total risk-based capital ratio | 12.3007% | 5,108 |
| Memoranda: | ||
| Average total assets | $441,258,000 | 1,584 |
| Average earning assets | $414,259,250 | 1,561 |
| Average equity | $35,830,750 | 2,040 |
| Average total loans | $366,799,000 | 1,333 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,127 |
| Cost of funding earning assets | 0.6361% | 1,222 |
| Net interest margin | 3.6634% | 2,779 |
| Noninterest income to average assets | 0.3417% | 4,108 |
| Noninterest expense to average assets | 2.6640% | 3,223 |
| Loan and lease loss provision to assets | 0.2026% | 906 |
| Net operating income to assets | 0.6098% | 4,259 |
| Return on assets (ROA) | 0.6098% | 4,301 |
| Pretax return on assets | 0.9166% | 3,877 |
| Return on Equity (ROE) | 7.5375% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.5375% | 1,335 |
| Net charge-offs to loans | -0.0034% | 4,253 |
| Credit loss provision to net charge-offs | -7,166.6667% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4160% | 2,599 |
| Assets per employee ($millions) | 6.8967% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 85.4592% | 312 |
| Net loans and leases to deposits | 96.7832% | 998 |
| Net loans and leases to core deposits | 105.4264% | 1,269 |
| Total domestic deposits to total assets | 88.2996% | 1,306 |
| Equity capital to assets | 8.0372% | 5,520 |
| Core capital (leverage) ratio | 8.2723% | 5,375 |
| Tier 1 risk-based capital ratio | 10.3270% | 5,530 |
| Total risk-based capital ratio | 11.5079% | 5,492 |
| Memoranda: | ||
| Average total assets | $424,393,670 | 1,634 |
| Average earning assets | $398,696,330 | 1,616 |
| Average equity | $34,335,000 | 2,127 |
| Average total loans | $353,727,330 | 1,381 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,383 |
| Cost of funding earning assets | 0.6287% | 1,197 |
| Net interest margin | 3.5422% | 3,109 |
| Noninterest income to average assets | 0.3423% | 4,105 |
| Noninterest expense to average assets | 2.5516% | 3,653 |
| Loan and lease loss provision to assets | 0.1956% | 850 |
| Net operating income to assets | 0.6083% | 4,121 |
| Return on assets (ROA) | 0.6083% | 4,174 |
| Pretax return on assets | 0.9125% | 3,718 |
| Return on Equity (ROE) | 7.4916% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.4916% | 1,659 |
| Net charge-offs to loans | -0.0048% | 4,168 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7221% | 2,939 |
| Assets per employee ($millions) | 7.3460% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.5164% | 1,053 |
| Net loans and leases to deposits | 88.9125% | 1,674 |
| Net loans and leases to core deposits | 100.9169% | 1,447 |
| Total domestic deposits to total assets | 88.3075% | 1,529 |
| Equity capital to assets | 7.7397% | 5,619 |
| Core capital (leverage) ratio | 8.2904% | 5,382 |
| Tier 1 risk-based capital ratio | 10.5375% | 5,527 |
| Total risk-based capital ratio | 11.7763% | 5,448 |
| Memoranda: | ||
| Average total assets | $409,000,000 | 1,697 |
| Average earning assets | $383,038,500 | 1,681 |
| Average equity | $33,210,500 | 2,186 |
| Average total loans | $334,109,500 | 1,444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 2,525 |
| Cost of funding earning assets | 0.6231% | 1,181 |
| Net interest margin | 3.5655% | 3,204 |
| Noninterest income to average assets | 0.3781% | 4,046 |
| Noninterest expense to average assets | 2.8331% | 2,911 |
| Loan and lease loss provision to assets | 0.2944% | 646 |
| Net operating income to assets | 0.4016% | 4,939 |
| Return on assets (ROA) | 0.4016% | 5,019 |
| Pretax return on assets | 0.6070% | 4,768 |
| Return on Equity (ROE) | 4.6231% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.6231% | 2,616 |
| Net charge-offs to loans | -0.0035% | 4,761 |
| Credit loss provision to net charge-offs | -10,650.0000% | 5,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8641% | 2,000 |
| Assets per employee ($millions) | 7.3959% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 83.3754% | 442 |
| Net loans and leases to deposits | 97.0570% | 905 |
| Net loans and leases to core deposits | 115.2878% | 645 |
| Total domestic deposits to total assets | 85.9035% | 2,631 |
| Equity capital to assets | 8.5484% | 5,235 |
| Core capital (leverage) ratio | 8.7911% | 4,976 |
| Tier 1 risk-based capital ratio | 10.7340% | 5,472 |
| Total risk-based capital ratio | 11.9537% | 5,399 |
| Memoranda: | ||
| Average total assets | $361,800,000 | 1,846 |
| Average earning assets | $340,571,600 | 1,826 |
| Average equity | $31,429,200 | 2,258 |
| Average total loans | $284,622,800 | 1,595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,589 |
| Cost of funding earning assets | 0.6206% | 1,199 |
| Net interest margin | 3.5551% | 3,254 |
| Noninterest income to average assets | 0.4115% | 3,834 |
| Noninterest expense to average assets | 2.9013% | 2,642 |
| Loan and lease loss provision to assets | 0.2808% | 620 |
| Net operating income to assets | 0.3845% | 5,070 |
| Return on assets (ROA) | 0.3845% | 5,159 |
| Pretax return on assets | 0.5669% | 4,961 |
| Return on Equity (ROE) | 4.4075% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.4075% | 3,195 |
| Net charge-offs to loans | -0.0029% | 4,522 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3894% | 1,778 |
| Assets per employee ($millions) | 7.7425% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.2228% | 1,007 |
| Net loans and leases to deposits | 91.2710% | 1,600 |
| Net loans and leases to core deposits | 109.1228% | 975 |
| Total domestic deposits to total assets | 86.7995% | 1,988 |
| Equity capital to assets | 8.7687% | 5,346 |
| Core capital (leverage) ratio | 8.8277% | 5,026 |
| Tier 1 risk-based capital ratio | 11.4657% | 5,110 |
| Total risk-based capital ratio | 12.6739% | 5,034 |
| Memoranda: | ||
| Average total assets | $356,103,500 | 1,881 |
| Average earning assets | $334,311,250 | 1,860 |
| Average equity | $31,067,500 | 2,301 |
| Average total loans | $274,733,000 | 1,645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 2,759 |
| Cost of funding earning assets | 0.5818% | 1,462 |
| Net interest margin | 3.5442% | 3,314 |
| Noninterest income to average assets | 0.2616% | 4,912 |
| Noninterest expense to average assets | 2.7613% | 3,163 |
| Loan and lease loss provision to assets | 0.2650% | 704 |
| Net operating income to assets | 0.3511% | 5,178 |
| Return on assets (ROA) | 0.3511% | 5,262 |
| Pretax return on assets | 0.5545% | 5,010 |
| Return on Equity (ROE) | 4.0313% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.0313% | 3,341 |
| Net charge-offs to loans | -0.0037% | 4,469 |
| Credit loss provision to net charge-offs | -9,300.0000% | 5,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1128% | 1,914 |
| Assets per employee ($millions) | 8.1380% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 70.3576% | 2,425 |
| Net loans and leases to deposits | 80.2683% | 2,897 |
| Net loans and leases to core deposits | 95.0200% | 2,062 |
| Total domestic deposits to total assets | 87.6531% | 1,597 |
| Equity capital to assets | 8.2320% | 5,723 |
| Core capital (leverage) ratio | 8.5528% | 5,317 |
| Tier 1 risk-based capital ratio | 11.6281% | 5,077 |
| Total risk-based capital ratio | 12.7664% | 5,027 |
| Memoranda: | ||
| Average total assets | $350,925,330 | 1,905 |
| Average earning assets | $328,651,670 | 1,884 |
| Average equity | $30,560,670 | 2,334 |
| Average total loans | $267,099,000 | 1,681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,403 |
| Cost of funding earning assets | 0.4774% | 2,305 |
| Net interest margin | 3.7418% | 2,514 |
| Noninterest income to average assets | 0.2078% | 5,245 |
| Noninterest expense to average assets | 2.8634% | 2,836 |
| Loan and lease loss provision to assets | 0.2718% | 619 |
| Net operating income to assets | 0.3757% | 5,069 |
| Return on assets (ROA) | 0.3757% | 5,144 |
| Pretax return on assets | 0.5860% | 4,857 |
| Return on Equity (ROE) | 4.1797% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.1797% | 3,396 |
| Net charge-offs to loans | -0.0046% | 4,267 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9481% | 2,051 |
| Assets per employee ($millions) | 7.6663% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.5922% | 1,453 |
| Net loans and leases to deposits | 88.5791% | 1,752 |
| Net loans and leases to core deposits | 99.6758% | 1,510 |
| Total domestic deposits to total assets | 85.3387% | 2,988 |
| Equity capital to assets | 8.8181% | 5,326 |
| Core capital (leverage) ratio | 10.2732% | 3,235 |
| Tier 1 risk-based capital ratio | 11.8297% | 5,031 |
| Total risk-based capital ratio | 12.9099% | 5,044 |
| Memoranda: | ||
| Average total assets | $331,076,500 | 2,019 |
| Average earning assets | $310,862,500 | 1,989 |
| Average equity | $29,763,000 | 2,383 |
| Average total loans | $261,768,500 | 1,714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 2,726 |
| Cost of funding earning assets | 0.5350% | 1,882 |
| Net interest margin | 3.6186% | 3,063 |
| Noninterest income to average assets | 0.1561% | 5,639 |
| Noninterest expense to average assets | 2.7914% | 3,265 |
| Loan and lease loss provision to assets | 0.2112% | 987 |
| Net operating income to assets | 0.3787% | 5,114 |
| Return on assets (ROA) | 0.3787% | 5,200 |
| Pretax return on assets | 0.5778% | 4,912 |
| Return on Equity (ROE) | 4.3948% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.3948% | 2,847 |
| Net charge-offs to loans | 0.0055% | 4,261 |
| Credit loss provision to net charge-offs | 4,950.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 184.9167% | 357 |
| Efficiency ratio | 77.9643% | 1,975 |
| Assets per employee ($millions) | 7.5460% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 4,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.5090% | 637 |
| Net loans and leases to deposits | 93.4856% | 1,250 |
| Net loans and leases to core deposits | 99.8085% | 1,515 |
| Total domestic deposits to total assets | 87.1888% | 2,037 |
| Equity capital to assets | 9.1947% | 4,919 |
| Core capital (leverage) ratio | 9.0097% | 4,873 |
| Tier 1 risk-based capital ratio | 11.9529% | 4,982 |
| Total risk-based capital ratio | 13.1006% | 4,957 |
| Memoranda: | ||
| Average total assets | $281,252,400 | 2,263 |
| Average earning assets | $266,153,400 | 2,226 |
| Average equity | $24,233,200 | 2,765 |
| Average total loans | $219,671,600 | 1,926 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,023 |
| Cost of funding earning assets | 0.5419% | 1,872 |
| Net interest margin | 3.5383% | 3,395 |
| Noninterest income to average assets | 0.1565% | 5,707 |
| Noninterest expense to average assets | 2.8008% | 3,183 |
| Loan and lease loss provision to assets | 0.2043% | 976 |
| Net operating income to assets | 0.3192% | 5,404 |
| Return on assets (ROA) | 0.3192% | 5,484 |
| Pretax return on assets | 0.4906% | 5,242 |
| Return on Equity (ROE) | 3.7738% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.7738% | 3,786 |
| Net charge-offs to loans | 0.0088% | 3,855 |
| Credit loss provision to net charge-offs | 3,021.4286% | 121 |
| Earnings coverage of net charge-offs (x) | 102.7649% | 610 |
| Efficiency ratio | 80.1216% | 1,647 |
| Assets per employee ($millions) | 7.8491% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 4,751 |
| Loan loss allowance to noncurrent loans | 228,400.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,838 |
| Noncurrent loans to loans | 0.0004% | 5,682 |
| Net loans and leases to total assets | 73.9369% | 1,740 |
| Net loans and leases to deposits | 82.5613% | 2,579 |
| Net loans and leases to core deposits | 88.4137% | 2,622 |
| Total domestic deposits to total assets | 89.5539% | 753 |
| Equity capital to assets | 8.5236% | 5,699 |
| Core capital (leverage) ratio | 8.7299% | 5,314 |
| Tier 1 risk-based capital ratio | 12.0213% | 5,076 |
| Total risk-based capital ratio | 13.1768% | 5,044 |
| Memoranda: | ||
| Average total assets | $276,106,000 | 2,315 |
| Average earning assets | $260,568,500 | 2,281 |
| Average equity | $23,353,250 | 2,871 |
| Average total loans | $212,469,000 | 1,985 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,006 |
| Cost of funding earning assets | 0.5571% | 1,761 |
| Net interest margin | 3.5132% | 3,448 |
| Noninterest income to average assets | 0.1601% | 5,752 |
| Noninterest expense to average assets | 2.8981% | 2,902 |
| Loan and lease loss provision to assets | 0.1826% | 1,120 |
| Net operating income to assets | 0.2570% | 5,559 |
| Return on assets (ROA) | 0.2570% | 5,643 |
| Pretax return on assets | 0.4111% | 5,443 |
| Return on Equity (ROE) | 3.0481% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.0481% | 4,106 |
| Net charge-offs to loans | 0.0135% | 3,456 |
| Credit loss provision to net charge-offs | 1,735.7143% | 216 |
| Earnings coverage of net charge-offs (x) | 56.4286% | 875 |
| Efficiency ratio | 82.9961% | 1,371 |
| Assets per employee ($millions) | 7.4762% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 5,141 |
| Loan loss allowance to noncurrent loans | 52,600.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,916 |
| Noncurrent loans to loans | 0.0018% | 5,774 |
| Net loans and leases to total assets | 76.0018% | 1,367 |
| Net loans and leases to deposits | 86.8526% | 1,962 |
| Net loans and leases to core deposits | 93.7014% | 1,991 |
| Total domestic deposits to total assets | 87.5067% | 1,899 |
| Equity capital to assets | 8.7941% | 5,439 |
| Core capital (leverage) ratio | 8.9730% | 5,007 |
| Tier 1 risk-based capital ratio | 12.2432% | 4,974 |
| Total risk-based capital ratio | 13.3498% | 4,973 |
| Memoranda: | ||
| Average total assets | $266,103,000 | 2,406 |
| Average earning assets | $252,361,000 | 2,354 |
| Average equity | $22,440,330 | 2,960 |
| Average total loans | $207,086,670 | 2,032 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,144 |
| Cost of funding earning assets | 0.5518% | 1,827 |
| Net interest margin | 3.4718% | 3,546 |
| Noninterest income to average assets | 0.1579% | 5,796 |
| Noninterest expense to average assets | 2.9017% | 2,900 |
| Loan and lease loss provision to assets | 0.2400% | 705 |
| Net operating income to assets | 0.1721% | 5,742 |
| Return on assets (ROA) | 0.1721% | 5,817 |
| Pretax return on assets | 0.3236% | 5,595 |
| Return on Equity (ROE) | 2.0921% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.0921% | 4,626 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7358% | 1,410 |
| Assets per employee ($millions) | 7.1874% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 5,191 |
| Loan loss allowance to noncurrent loans | 6,538.7097% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,910 |
| Noncurrent loans to loans | 0.0148% | 5,745 |
| Net loans and leases to total assets | 78.1494% | 901 |
| Net loans and leases to deposits | 90.6365% | 1,329 |
| Net loans and leases to core deposits | 98.8824% | 1,402 |
| Total domestic deposits to total assets | 86.2228% | 2,817 |
| Equity capital to assets | 7.8847% | 6,072 |
| Core capital (leverage) ratio | 8.2761% | 5,757 |
| Tier 1 risk-based capital ratio | 10.8628% | 5,871 |
| Total risk-based capital ratio | 11.9937% | 5,847 |
| Memoranda: | ||
| Average total assets | $253,368,500 | 2,533 |
| Average earning assets | $241,371,000 | 2,460 |
| Average equity | $20,840,000 | 3,150 |
| Average total loans | $198,778,000 | 2,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,461 |
| Cost of funding earning assets | 0.6459% | 1,436 |
| Net interest margin | 3.4187% | 4,119 |
| Noninterest income to average assets | 0.1502% | 5,944 |
| Noninterest expense to average assets | 3.0339% | 2,743 |
| Loan and lease loss provision to assets | 0.1384% | 1,908 |
| Net operating income to assets | 0.3712% | 5,319 |
| Return on assets (ROA) | 0.3851% | 5,338 |
| Pretax return on assets | 0.2362% | 5,812 |
| Return on Equity (ROE) | 4.6834% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.6834% | 2,837 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3749% | 887 |
| Assets per employee ($millions) | 7.0804% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,072 |
| Loan loss allowance to noncurrent loans | 5,681.8182% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,001 |
| Noncurrent loans to loans | 0.0176% | 5,829 |
| Net loans and leases to total assets | 77.1923% | 1,110 |
| Net loans and leases to deposits | 88.7647% | 1,644 |
| Net loans and leases to core deposits | 98.1213% | 1,541 |
| Total domestic deposits to total assets | 86.9628% | 2,310 |
| Equity capital to assets | 8.5750% | 5,662 |
| Core capital (leverage) ratio | 8.4442% | 5,616 |
| Tier 1 risk-based capital ratio | 11.7589% | 5,510 |
| Total risk-based capital ratio | 12.9085% | 5,479 |
| Memoranda: | ||
| Average total assets | $237,051,000 | 2,640 |
| Average earning assets | $224,970,800 | 2,577 |
| Average equity | $19,494,400 | 3,217 |
| Average total loans | $164,920,400 | 2,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,692 |
| Cost of funding earning assets | 0.6645% | 1,360 |
| Net interest margin | 3.3547% | 4,413 |
| Noninterest income to average assets | 0.1378% | 6,084 |
| Noninterest expense to average assets | 2.9627% | 2,924 |
| Loan and lease loss provision to assets | 0.1129% | 2,160 |
| Net operating income to assets | 0.4528% | 5,066 |
| Return on assets (ROA) | 0.4732% | 5,060 |
| Pretax return on assets | 0.2552% | 5,851 |
| Return on Equity (ROE) | 5.8171% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.8171% | 2,520 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4934% | 879 |
| Assets per employee ($millions) | 7.3911% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 5,324 |
| Loan loss allowance to noncurrent loans | 4,852.7778% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,123 |
| Noncurrent loans to loans | 0.0201% | 5,946 |
| Net loans and leases to total assets | 70.6907% | 2,081 |
| Net loans and leases to deposits | 81.8090% | 2,454 |
| Net loans and leases to core deposits | 90.9596% | 2,123 |
| Total domestic deposits to total assets | 86.4094% | 2,633 |
| Equity capital to assets | 8.0991% | 6,079 |
| Core capital (leverage) ratio | 8.3855% | 5,772 |
| Tier 1 risk-based capital ratio | 12.0200% | 5,468 |
| Total risk-based capital ratio | 13.1240% | 5,492 |
| Memoranda: | ||
| Average total assets | $236,130,000 | 2,661 |
| Average earning assets | $223,322,750 | 2,602 |
| Average equity | $19,207,250 | 3,268 |
| Average total loans | $159,224,500 | 2,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,635 |
| Cost of funding earning assets | 0.6782% | 1,317 |
| Net interest margin | 3.3473% | 4,421 |
| Noninterest income to average assets | 0.1281% | 6,171 |
| Noninterest expense to average assets | 2.9982% | 2,836 |
| Loan and lease loss provision to assets | 0.0459% | 3,398 |
| Net operating income to assets | 0.6275% | 4,207 |
| Return on assets (ROA) | 0.6665% | 4,111 |
| Pretax return on assets | 0.2969% | 5,784 |
| Return on Equity (ROE) | 8.1805% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.1805% | 1,257 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7995% | 848 |
| Assets per employee ($millions) | 7.0322% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 5,273 |
| Loan loss allowance to noncurrent loans | 4,210.5263% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,193 |
| Noncurrent loans to loans | 0.0242% | 5,996 |
| Net loans and leases to total assets | 63.2098% | 3,206 |
| Net loans and leases to deposits | 72.9074% | 3,459 |
| Net loans and leases to core deposits | 80.7437% | 3,123 |
| Total domestic deposits to total assets | 86.6988% | 2,634 |
| Equity capital to assets | 8.2542% | 5,986 |
| Core capital (leverage) ratio | 8.7166% | 5,374 |
| Tier 1 risk-based capital ratio | 13.2108% | 4,779 |
| Total risk-based capital ratio | 14.3401% | 4,795 |
| Memoranda: | ||
| Average total assets | $231,073,670 | 2,718 |
| Average earning assets | $219,101,670 | 2,646 |
| Average equity | $18,825,330 | 3,309 |
| Average total loans | $152,502,000 | 2,538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1100% | 3,239 |
| Cost of funding earning assets | 0.6956% | 1,275 |
| Net interest margin | 3.4144% | 4,057 |
| Noninterest income to average assets | 0.1074% | 6,307 |
| Noninterest expense to average assets | 3.0186% | 2,802 |
| Loan and lease loss provision to assets | 0.0948% | 2,338 |
| Net operating income to assets | 1.1219% | 1,728 |
| Return on assets (ROA) | 1.2006% | 1,550 |
| Pretax return on assets | 0.3310% | 5,649 |
| Return on Equity (ROE) | 14.8451% | 805 |
| Retained earnings to average equity (ytd only) | 14.8451% | 337 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6863% | 1,067 |
| Assets per employee ($millions) | 7.2039% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,395 |
| Loan loss allowance to noncurrent loans | 1,111.1111% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 6,087 |
| Noncurrent loans to loans | 0.0929% | 5,847 |
| Net loans and leases to total assets | 66.5153% | 2,483 |
| Net loans and leases to deposits | 76.6434% | 2,736 |
| Net loans and leases to core deposits | 85.4648% | 2,371 |
| Total domestic deposits to total assets | 86.7854% | 2,945 |
| Equity capital to assets | 8.0841% | 5,992 |
| Core capital (leverage) ratio | 8.2549% | 5,890 |
| Tier 1 risk-based capital ratio | 12.4360% | 5,352 |
| Total risk-based capital ratio | 13.5488% | 5,376 |
| Memoranda: | ||
| Average total assets | $223,546,500 | 2,791 |
| Average earning assets | $213,332,500 | 2,717 |
| Average equity | $18,080,000 | 3,416 |
| Average total loans | $150,164,500 | 2,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 3,849 |
| Cost of funding earning assets | 0.6504% | 2,201 |
| Net interest margin | 3.4184% | 4,210 |
| Noninterest income to average assets | 0.1307% | 6,273 |
| Noninterest expense to average assets | 2.7202% | 4,026 |
| Loan and lease loss provision to assets | 0.1369% | 2,591 |
| Net operating income to assets | 0.7637% | 3,480 |
| Return on assets (ROA) | 0.7705% | 3,535 |
| Pretax return on assets | 0.4866% | 5,238 |
| Return on Equity (ROE) | 8.7418% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.7418% | 836 |
| Net charge-offs to loans | 0.0077% | 5,304 |
| Credit loss provision to net charge-offs | 2,911.1111% | 79 |
| Earnings coverage of net charge-offs (x) | 131.1111% | 353 |
| Efficiency ratio | 81.5163% | 1,945 |
| Assets per employee ($millions) | 8.0210% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,298 |
| Loan loss allowance to noncurrent loans | 1,059.5890% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,151 |
| Noncurrent loans to loans | 0.1004% | 5,910 |
| Net loans and leases to total assets | 66.4215% | 2,626 |
| Net loans and leases to deposits | 76.4977% | 2,917 |
| Net loans and leases to core deposits | 84.5209% | 2,619 |
| Total domestic deposits to total assets | 86.8281% | 2,817 |
| Equity capital to assets | 8.0917% | 5,945 |
| Core capital (leverage) ratio | 8.5855% | 5,564 |
| Tier 1 risk-based capital ratio | 12.8705% | 5,067 |
| Total risk-based capital ratio | 14.0266% | 5,077 |
| Memoranda: | ||
| Average total assets | $191,311,200 | 3,142 |
| Average earning assets | $179,441,000 | 3,076 |
| Average equity | $16,861,600 | 3,580 |
| Average total loans | $117,461,400 | 3,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 4,073 |
| Cost of funding earning assets | 0.6381% | 2,472 |
| Net interest margin | 3.3766% | 4,374 |
| Noninterest income to average assets | 0.1247% | 6,398 |
| Noninterest expense to average assets | 2.7466% | 3,845 |
| Loan and lease loss provision to assets | 0.0721% | 3,621 |
| Net operating income to assets | 0.8029% | 3,329 |
| Return on assets (ROA) | 0.8122% | 3,415 |
| Pretax return on assets | 0.4692% | 5,446 |
| Return on Equity (ROE) | 8.9999% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.9999% | 1,055 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7767% | 1,630 |
| Assets per employee ($millions) | 7.5500% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 5,439 |
| Loan loss allowance to noncurrent loans | 882.2785% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,203 |
| Noncurrent loans to loans | 0.1214% | 5,965 |
| Net loans and leases to total assets | 63.1556% | 3,139 |
| Net loans and leases to deposits | 73.9701% | 3,235 |
| Net loans and leases to core deposits | 80.3543% | 3,086 |
| Total domestic deposits to total assets | 85.3799% | 3,550 |
| Equity capital to assets | 8.5308% | 5,702 |
| Core capital (leverage) ratio | 9.3419% | 4,626 |
| Tier 1 risk-based capital ratio | 13.4561% | 4,789 |
| Total risk-based capital ratio | 14.5902% | 4,813 |
| Memoranda: | ||
| Average total assets | $184,997,250 | 3,254 |
| Average earning assets | $172,793,750 | 3,205 |
| Average equity | $16,696,000 | 3,643 |
| Average total loans | $110,478,250 | 3,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 4,298 |
| Cost of funding earning assets | 0.6360% | 2,631 |
| Net interest margin | 3.3127% | 4,526 |
| Noninterest income to average assets | 0.1175% | 6,466 |
| Noninterest expense to average assets | 2.8134% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8595% | 2,993 |
| Return on assets (ROA) | 0.8640% | 3,132 |
| Pretax return on assets | 0.4152% | 5,608 |
| Return on Equity (ROE) | 9.3777% | 2,465 |
| Retained earnings to average equity (ytd only) | 9.3777% | 1,002 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2614% | 1,297 |
| Assets per employee ($millions) | 7.2116% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 5,355 |
| Loan loss allowance to noncurrent loans | 813.8365% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 6,245 |
| Noncurrent loans to loans | 0.1380% | 5,979 |
| Net loans and leases to total assets | 60.7703% | 3,525 |
| Net loans and leases to deposits | 71.7456% | 3,485 |
| Net loans and leases to core deposits | 75.2982% | 3,640 |
| Total domestic deposits to total assets | 84.7025% | 4,035 |
| Equity capital to assets | 9.1365% | 5,058 |
| Core capital (leverage) ratio | 9.6977% | 3,935 |
| Tier 1 risk-based capital ratio | 15.0987% | 3,709 |
| Total risk-based capital ratio | 16.3128% | 3,707 |
| Memoranda: | ||
| Average total assets | $178,713,330 | 3,330 |
| Average earning assets | $167,599,000 | 3,292 |
| Average equity | $16,464,670 | 3,701 |
| Average total loans | $103,925,670 | 3,403 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 4,637 |
| Cost of funding earning assets | 0.6255% | 2,875 |
| Net interest margin | 3.2286% | 4,808 |
| Noninterest income to average assets | 0.1124% | 6,530 |
| Noninterest expense to average assets | 2.7398% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1519% | 1,666 |
| Return on assets (ROA) | 1.1611% | 1,744 |
| Pretax return on assets | 0.3901% | 5,594 |
| Return on Equity (ROE) | 12.5469% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.5469% | 616 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7941% | 1,347 |
| Assets per employee ($millions) | 7.3566% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,852 |
| Loan loss allowance to noncurrent loans | 228.2187% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 5,618 |
| Noncurrent loans to loans | 0.5561% | 5,049 |
| Net loans and leases to total assets | 57.0170% | 3,922 |
| Net loans and leases to deposits | 68.0529% | 3,773 |
| Net loans and leases to core deposits | 71.5475% | 3,877 |
| Total domestic deposits to total assets | 83.7832% | 4,563 |
| Equity capital to assets | 9.6608% | 4,622 |
| Core capital (leverage) ratio | 9.9945% | 3,390 |
| Tier 1 risk-based capital ratio | 15.7080% | 3,417 |
| Total risk-based capital ratio | 16.9588% | 3,385 |
| Memoranda: | ||
| Average total assets | $174,319,500 | 3,428 |
| Average earning assets | $162,423,000 | 3,395 |
| Average equity | $16,131,500 | 3,797 |
| Average total loans | $98,269,000 | 3,553 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 5,474 |
| Cost of funding earning assets | 0.7028% | 3,472 |
| Net interest margin | 3.2351% | 5,473 |
| Noninterest income to average assets | 0.1025% | 6,497 |
| Noninterest expense to average assets | 2.5653% | 4,881 |
| Loan and lease loss provision to assets | 0.0063% | 5,845 |
| Net operating income to assets | 0.6524% | 3,974 |
| Return on assets (ROA) | 0.7448% | 3,778 |
| Pretax return on assets | 0.6467% | 4,832 |
| Return on Equity (ROE) | 7.9614% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.9614% | 1,137 |
| Net charge-offs to loans | 0.0898% | 4,775 |
| Credit loss provision to net charge-offs | 12.9870% | 5,366 |
| Earnings coverage of net charge-offs (x) | 11.5065% | 2,020 |
| Efficiency ratio | 82.0648% | 1,858 |
| Assets per employee ($millions) | 7.4818% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 4,318 |
| Loan loss allowance to noncurrent loans | 227.4165% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,680 |
| Noncurrent loans to loans | 0.6016% | 5,017 |
| Net loans and leases to total assets | 54.2082% | 4,592 |
| Net loans and leases to deposits | 64.0036% | 4,531 |
| Net loans and leases to core deposits | 67.2967% | 4,616 |
| Total domestic deposits to total assets | 84.6956% | 3,988 |
| Equity capital to assets | 8.8365% | 5,703 |
| Core capital (leverage) ratio | 8.7832% | 5,205 |
| Tier 1 risk-based capital ratio | 15.0302% | 3,704 |
| Total risk-based capital ratio | 16.2821% | 3,651 |
| Memoranda: | ||
| Average total assets | $158,031,400 | 3,654 |
| Average earning assets | $147,694,400 | 3,591 |
| Average equity | $14,783,800 | 4,011 |
| Average total loans | $85,777,400 | 3,854 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 5,606 |
| Cost of funding earning assets | 0.7147% | 3,642 |
| Net interest margin | 3.2541% | 5,533 |
| Noninterest income to average assets | 0.0949% | 6,638 |
| Noninterest expense to average assets | 2.5101% | 5,048 |
| Loan and lease loss provision to assets | 0.0086% | 5,698 |
| Net operating income to assets | 0.8051% | 3,428 |
| Return on assets (ROA) | 0.9103% | 3,164 |
| Pretax return on assets | 0.7222% | 4,786 |
| Return on Equity (ROE) | 9.5831% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.5831% | 1,033 |
| Net charge-offs to loans | 0.0526% | 4,920 |
| Credit loss provision to net charge-offs | 30.3030% | 4,798 |
| Earnings coverage of net charge-offs (x) | 21.9691% | 1,375 |
| Efficiency ratio | 80.0495% | 2,085 |
| Assets per employee ($millions) | 7.7455% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 4,014 |
| Loan loss allowance to noncurrent loans | 291.5033% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,026 |
| Noncurrent loans to loans | 0.5093% | 5,423 |
| Net loans and leases to total assets | 52.1050% | 5,032 |
| Net loans and leases to deposits | 61.9156% | 4,976 |
| Net loans and leases to core deposits | 65.1619% | 5,037 |
| Total domestic deposits to total assets | 84.1549% | 4,147 |
| Equity capital to assets | 8.9261% | 5,898 |
| Core capital (leverage) ratio | 9.1368% | 4,853 |
| Tier 1 risk-based capital ratio | 14.9408% | 3,890 |
| Total risk-based capital ratio | 16.1937% | 3,843 |
| Memoranda: | ||
| Average total assets | $154,519,000 | 3,747 |
| Average earning assets | $144,389,250 | 3,684 |
| Average equity | $14,678,250 | 4,064 |
| Average total loans | $83,577,750 | 3,970 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 5,685 |
| Cost of funding earning assets | 0.7235% | 3,819 |
| Net interest margin | 3.2636% | 5,554 |
| Noninterest income to average assets | 0.0831% | 6,747 |
| Noninterest expense to average assets | 2.5250% | 5,051 |
| Loan and lease loss provision to assets | 0.0134% | 5,495 |
| Net operating income to assets | 0.9315% | 2,755 |
| Return on assets (ROA) | 0.9958% | 2,706 |
| Pretax return on assets | 0.6741% | 4,899 |
| Return on Equity (ROE) | 10.2476% | 2,261 |
| Retained earnings to average equity (ytd only) | 10.2476% | 903 |
| Net charge-offs to loans | 0.0786% | 4,361 |
| Credit loss provision to net charge-offs | 31.2500% | 4,420 |
| Earnings coverage of net charge-offs (x) | 14.5313% | 1,711 |
| Efficiency ratio | 80.2043% | 2,138 |
| Assets per employee ($millions) | 7.1676% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 3,799 |
| Loan loss allowance to noncurrent loans | 284.8936% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 6,021 |
| Noncurrent loans to loans | 0.5432% | 5,433 |
| Net loans and leases to total assets | 54.0235% | 4,799 |
| Net loans and leases to deposits | 64.6681% | 4,678 |
| Net loans and leases to core deposits | 69.0508% | 4,662 |
| Total domestic deposits to total assets | 83.5395% | 4,514 |
| Equity capital to assets | 9.4631% | 5,114 |
| Core capital (leverage) ratio | 9.4757% | 4,172 |
| Tier 1 risk-based capital ratio | 15.6610% | 3,356 |
| Total risk-based capital ratio | 16.9152% | 3,316 |
| Memoranda: | ||
| Average total assets | $149,225,330 | 3,853 |
| Average earning assets | $140,152,670 | 3,783 |
| Average equity | $14,501,000 | 4,091 |
| Average total loans | $81,395,330 | 4,063 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 5,797 |
| Cost of funding earning assets | 0.6910% | 4,358 |
| Net interest margin | 3.2977% | 5,488 |
| Noninterest income to average assets | 0.0800% | 6,824 |
| Noninterest expense to average assets | 2.6622% | 4,575 |
| Loan and lease loss provision to assets | 0.0276% | 5,014 |
| Net operating income to assets | 0.5766% | 4,460 |
| Return on assets (ROA) | 0.5766% | 4,686 |
| Pretax return on assets | 0.5766% | 5,198 |
| Return on Equity (ROE) | 5.8500% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.8500% | 3,044 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5034% | 2,003 |
| Assets per employee ($millions) | 7.2194% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 3,195 |
| Loan loss allowance to noncurrent loans | 123.7365% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 5,087 |
| Noncurrent loans to loans | 1.4055% | 4,002 |
| Net loans and leases to total assets | 51.0949% | 5,137 |
| Net loans and leases to deposits | 61.1687% | 5,022 |
| Net loans and leases to core deposits | 65.0111% | 5,017 |
| Total domestic deposits to total assets | 83.5312% | 4,701 |
| Equity capital to assets | 9.4817% | 4,832 |
| Core capital (leverage) ratio | 9.9819% | 3,383 |
| Tier 1 risk-based capital ratio | 16.1807% | 3,085 |
| Total risk-based capital ratio | 17.4362% | 3,040 |
| Memoranda: | ||
| Average total assets | $144,994,500 | 3,955 |
| Average earning assets | $140,096,500 | 3,814 |
| Average equity | $14,290,500 | 4,137 |
| Average total loans | $78,829,500 | 4,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 5,920 |
| Cost of funding earning assets | 0.8024% | 4,848 |
| Net interest margin | 3.4467% | 5,347 |
| Noninterest income to average assets | 0.0999% | 6,640 |
| Noninterest expense to average assets | 2.9821% | 3,659 |
| Loan and lease loss provision to assets | 0.0079% | 6,434 |
| Net operating income to assets | 0.4382% | 4,695 |
| Return on assets (ROA) | 0.4429% | 4,886 |
| Pretax return on assets | 0.4429% | 5,158 |
| Return on Equity (ROE) | 4.1294% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.1294% | 3,245 |
| Net charge-offs to loans | 0.1095% | 5,275 |
| Credit loss provision to net charge-offs | 12.1951% | 5,995 |
| Earnings coverage of net charge-offs (x) | 6.9146% | 2,427 |
| Efficiency ratio | 86.2093% | 1,535 |
| Assets per employee ($millions) | 6.5896% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 3,104 |
| Loan loss allowance to noncurrent loans | 121.1932% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 5,006 |
| Noncurrent loans to loans | 1.4247% | 4,024 |
| Net loans and leases to total assets | 55.9781% | 4,714 |
| Net loans and leases to deposits | 68.2145% | 4,407 |
| Net loans and leases to core deposits | 73.1915% | 4,350 |
| Total domestic deposits to total assets | 82.0618% | 5,109 |
| Equity capital to assets | 10.2659% | 3,826 |
| Core capital (leverage) ratio | 10.1382% | 3,185 |
| Tier 1 risk-based capital ratio | 16.2441% | 2,929 |
| Total risk-based capital ratio | 17.5006% | 2,897 |
| Memoranda: | ||
| Average total assets | $127,125,000 | 4,226 |
| Average earning assets | $122,753,800 | 4,076 |
| Average equity | $13,633,800 | 4,203 |
| Average total loans | $74,909,400 | 4,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 5,987 |
| Cost of funding earning assets | 0.8141% | 5,060 |
| Net interest margin | 3.4731% | 5,304 |
| Noninterest income to average assets | 0.0976% | 6,762 |
| Noninterest expense to average assets | 2.9763% | 3,652 |
| Loan and lease loss provision to assets | 0.0107% | 6,296 |
| Net operating income to assets | 0.4644% | 4,703 |
| Return on assets (ROA) | 0.4709% | 4,868 |
| Pretax return on assets | 0.4709% | 5,257 |
| Return on Equity (ROE) | 4.3387% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.3387% | 3,643 |
| Net charge-offs to loans | 0.1479% | 4,592 |
| Credit loss provision to net charge-offs | 12.1951% | 5,648 |
| Earnings coverage of net charge-offs (x) | 5.4025% | 2,796 |
| Efficiency ratio | 85.2082% | 1,612 |
| Assets per employee ($millions) | 6.6336% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,965 |
| Loan loss allowance to noncurrent loans | 95.4418% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 4,618 |
| Noncurrent loans to loans | 1.8804% | 3,531 |
| Net loans and leases to total assets | 56.1351% | 4,817 |
| Net loans and leases to deposits | 68.8131% | 4,473 |
| Net loans and leases to core deposits | 74.2656% | 4,412 |
| Total domestic deposits to total assets | 81.5762% | 5,228 |
| Equity capital to assets | 10.5283% | 3,671 |
| Core capital (leverage) ratio | 10.7236% | 2,643 |
| Tier 1 risk-based capital ratio | 16.6673% | 2,773 |
| Total risk-based capital ratio | 17.9247% | 2,740 |
| Memoranda: | ||
| Average total assets | $124,311,000 | 4,310 |
| Average earning assets | $120,041,750 | 4,149 |
| Average equity | $13,490,750 | 4,243 |
| Average total loans | $73,930,750 | 4,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 5,918 |
| Cost of funding earning assets | 0.8330% | 5,176 |
| Net interest margin | 3.4955% | 5,180 |
| Noninterest income to average assets | 0.0823% | 6,918 |
| Noninterest expense to average assets | 2.9360% | 3,879 |
| Loan and lease loss provision to assets | 0.0165% | 6,078 |
| Net operating income to assets | 0.5069% | 4,470 |
| Return on assets (ROA) | 0.5069% | 4,612 |
| Pretax return on assets | 0.5069% | 5,048 |
| Return on Equity (ROE) | 4.6206% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.6206% | 3,242 |
| Net charge-offs to loans | -0.1255% | 7,210 |
| Credit loss provision to net charge-offs | -21.7391% | 6,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7298% | 1,849 |
| Assets per employee ($millions) | 6.9797% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0697% | 2,186 |
| Loan loss allowance to noncurrent loans | 95.4487% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2417% | 4,416 |
| Noncurrent loans to loans | 2.1684% | 3,262 |
| Net loans and leases to total assets | 56.0775% | 4,980 |
| Net loans and leases to deposits | 69.5050% | 4,499 |
| Net loans and leases to core deposits | 75.3976% | 4,390 |
| Total domestic deposits to total assets | 80.6813% | 5,628 |
| Equity capital to assets | 10.9770% | 2,985 |
| Core capital (leverage) ratio | 10.7130% | 2,507 |
| Tier 1 risk-based capital ratio | 16.6217% | 2,685 |
| Total risk-based capital ratio | 17.8807% | 2,637 |
| Memoranda: | ||
| Average total assets | $121,524,330 | 4,405 |
| Average earning assets | $117,406,670 | 4,245 |
| Average equity | $13,331,670 | 4,272 |
| Average total loans | $73,295,670 | 4,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 5,977 |
| Cost of funding earning assets | 0.8484% | 5,284 |
| Net interest margin | 3.4663% | 5,157 |
| Noninterest income to average assets | 0.0804% | 6,994 |
| Noninterest expense to average assets | 3.1272% | 3,150 |
| Loan and lease loss provision to assets | 0.0335% | 5,556 |
| Net operating income to assets | 0.2712% | 5,538 |
| Return on assets (ROA) | 0.2712% | 5,596 |
| Pretax return on assets | 0.2712% | 5,745 |
| Return on Equity (ROE) | 2.4729% | 5,609 |
| Retained earnings to average equity (ytd only) | 2.4729% | 4,671 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9512% | 1,334 |
| Assets per employee ($millions) | 6.8848% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,622 |
| Loan loss allowance to noncurrent loans | 307.6759% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 6,258 |
| Noncurrent loans to loans | 0.6241% | 5,787 |
| Net loans and leases to total assets | 59.4734% | 4,368 |
| Net loans and leases to deposits | 73.4452% | 3,854 |
| Net loans and leases to core deposits | 79.7220% | 3,794 |
| Total domestic deposits to total assets | 80.9766% | 5,663 |
| Equity capital to assets | 10.6378% | 3,051 |
| Core capital (leverage) ratio | 11.1761% | 2,045 |
| Tier 1 risk-based capital ratio | 16.3802% | 2,718 |
| Total risk-based capital ratio | 17.6391% | 2,684 |
| Memoranda: | ||
| Average total assets | $119,469,000 | 4,499 |
| Average earning assets | $115,513,500 | 4,309 |
| Average equity | $13,102,000 | 4,311 |
| Average total loans | $73,972,500 | 4,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 6,814 |
| Cost of funding earning assets | 1.0127% | 5,627 |
| Net interest margin | 3.2704% | 6,068 |
| Noninterest income to average assets | 0.0718% | 7,024 |
| Noninterest expense to average assets | 4.4949% | 654 |
| Loan and lease loss provision to assets | 0.8936% | 1,827 |
| Net operating income to assets | -2.1956% | 7,109 |
| Return on assets (ROA) | -2.1125% | 7,100 |
| Pretax return on assets | -2.1125% | 7,064 |
| Return on Equity (ROE) | -15.3391% | 6,925 |
| Retained earnings to average equity (ytd only) | -15.3391% | 6,889 |
| Net charge-offs to loans | 0.0602% | 6,190 |
| Credit loss provision to net charge-offs | 2,561.7647% | 92 |
| Earnings coverage of net charge-offs (x) | -37.3235% | 6,834 |
| Efficiency ratio | 139.2352% | 263 |
| Assets per employee ($millions) | 6.3896% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 2,381 |
| Loan loss allowance to noncurrent loans | 298.5417% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 6,055 |
| Noncurrent loans to loans | 0.6593% | 5,730 |
| Net loans and leases to total assets | 62.0509% | 4,274 |
| Net loans and leases to deposits | 77.9650% | 3,518 |
| Net loans and leases to core deposits | 83.8594% | 3,620 |
| Total domestic deposits to total assets | 79.5882% | 5,942 |
| Equity capital to assets | 11.3214% | 2,395 |
| Core capital (leverage) ratio | 12.0549% | 1,508 |
| Tier 1 risk-based capital ratio | 17.6024% | 2,131 |
| Total risk-based capital ratio | 18.8632% | 2,098 |
| Memoranda: | ||
| Average total assets | $97,467,000 | 5,064 |
| Average earning assets | $93,016,200 | 4,918 |
| Average equity | $13,423,200 | 4,277 |
| Average total loans | $56,463,200 | 5,213 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 6,980 |
| Cost of funding earning assets | 1.0934% | 5,455 |
| Net interest margin | 3.1944% | 6,363 |
| Noninterest income to average assets | 0.0702% | 7,179 |
| Noninterest expense to average assets | 4.7026% | 489 |
| Loan and lease loss provision to assets | 0.7678% | 1,991 |
| Net operating income to assets | -2.3663% | 7,316 |
| Return on assets (ROA) | -2.2503% | 7,307 |
| Pretax return on assets | -2.2503% | 7,260 |
| Return on Equity (ROE) | -15.4884% | 7,124 |
| Retained earnings to average equity (ytd only) | -15.4884% | 7,097 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.8385% | 206 |
| Assets per employee ($millions) | 5.8249% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 2,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 7,027 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 58.5747% | 5,172 |
| Net loans and leases to deposits | 76.0633% | 4,169 |
| Net loans and leases to core deposits | 82.7539% | 4,118 |
| Total domestic deposits to total assets | 77.0079% | 6,474 |
| Equity capital to assets | 13.0197% | 1,567 |
| Core capital (leverage) ratio | 14.1368% | 895 |
| Tier 1 risk-based capital ratio | 18.8920% | 1,776 |
| Total risk-based capital ratio | 20.1479% | 1,739 |
| Memoranda: | ||
| Average total assets | $93,080,750 | 5,251 |
| Average earning assets | $88,403,250 | 5,132 |
| Average equity | $13,523,750 | 4,322 |
| Average total loans | $52,379,250 | 5,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 7,017 |
| Cost of funding earning assets | 1.1917% | 5,175 |
| Net interest margin | 3.1280% | 6,524 |
| Noninterest income to average assets | 0.0695% | 7,232 |
| Noninterest expense to average assets | 4.7421% | 462 |
| Loan and lease loss provision to assets | 0.5047% | 2,782 |
| Net operating income to assets | -2.2275% | 7,358 |
| Return on assets (ROA) | -2.2275% | 7,368 |
| Pretax return on assets | -2.2275% | 7,302 |
| Return on Equity (ROE) | -14.7315% | 7,135 |
| Retained earnings to average equity (ytd only) | -14.7315% | 7,097 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.2749% | 188 |
| Assets per employee ($millions) | 5.2022% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 3,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 6,953 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 54.7338% | 5,878 |
| Net loans and leases to deposits | 63.3749% | 6,101 |
| Net loans and leases to core deposits | 69.1754% | 5,954 |
| Total domestic deposits to total assets | 86.3651% | 2,889 |
| Equity capital to assets | 13.3111% | 1,432 |
| Core capital (leverage) ratio | 13.4463% | 1,075 |
| Tier 1 risk-based capital ratio | 21.1493% | 1,315 |
| Total risk-based capital ratio | 22.4022% | 1,292 |
| Memoranda: | ||
| Average total assets | $89,158,000 | 5,417 |
| Average earning assets | $84,079,000 | 5,293 |
| Average equity | $13,481,330 | 4,331 |
| Average total loans | $48,990,000 | 5,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 7,183 |
| Cost of funding earning assets | 1.1983% | 5,416 |
| Net interest margin | 3.0668% | 6,678 |
| Noninterest income to average assets | 0.0569% | 7,428 |
| Noninterest expense to average assets | 4.3361% | 692 |
| Loan and lease loss provision to assets | 0.4981% | 2,511 |
| Net operating income to assets | -1.9119% | 7,443 |
| Return on assets (ROA) | -1.9119% | 7,446 |
| Pretax return on assets | -1.9119% | 7,389 |
| Return on Equity (ROE) | -11.8152% | 7,204 |
| Retained earnings to average equity (ytd only) | -11.8152% | 7,056 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.4286% | 224 |
| Assets per employee ($millions) | 5.4946% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 4,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 6,976 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.9920% | 6,024 |
| Net loans and leases to deposits | 64.1354% | 6,041 |
| Net loans and leases to core deposits | 73.7061% | 5,523 |
| Total domestic deposits to total assets | 84.1844% | 4,059 |
| Equity capital to assets | 15.4369% | 778 |
| Core capital (leverage) ratio | 16.0535% | 573 |
| Tier 1 risk-based capital ratio | 26.4656% | 742 |
| Total risk-based capital ratio | 27.6525% | 733 |
| Memoranda: | ||
| Average total assets | $84,316,000 | 5,621 |
| Average earning assets | $78,778,500 | 5,552 |
| Average equity | $13,643,500 | 4,321 |
| Average total loans | $46,024,500 | 5,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 7,612 |
| Cost of funding earning assets | 1.1458% | 6,832 |
| Net interest margin | 3.0410% | 6,541 |
| Noninterest income to average assets | 0.0568% | 7,474 |
| Noninterest expense to average assets | 6.6158% | 235 |
| Loan and lease loss provision to assets | 1.2298% | 1,870 |
| Net operating income to assets | -4.9720% | 7,747 |
| Return on assets (ROA) | -4.9497% | 7,737 |
| Pretax return on assets | -4.9497% | 7,700 |
| Return on Equity (ROE) | -19.4377% | 7,127 |
| Retained earnings to average equity (ytd only) | -19.4377% | 7,087 |
| Net charge-offs to loans | 0.2599% | 4,996 |
| Credit loss provision to net charge-offs | 918.1818% | 320 |
| Earnings coverage of net charge-offs (x) | -27.9394% | 7,201 |
| Efficiency ratio | 226.7655% | 103 |
| Assets per employee ($millions) | 4.4844% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,934 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.6255% | 6,228 |
| Net loans and leases to deposits | 64.9209% | 6,167 |
| Net loans and leases to core deposits | 97.3989% | 4,301 |
| Total domestic deposits to total assets | 82.6014% | 4,705 |
| Equity capital to assets | 16.9923% | 556 |
| Core capital (leverage) ratio | 19.3643% | 317 |
| Tier 1 risk-based capital ratio | 28.1743% | 630 |
| Total risk-based capital ratio | 29.3467% | 614 |
| Memoranda: | ||
| Average total assets | $49,276,000 | 6,739 |
| Average earning assets | $45,643,200 | 6,694 |
| Average equity | $12,547,800 | 4,619 |
| Average total loans | $25,391,800 | 6,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 7,724 |
| Cost of funding earning assets | 1.0664% | 7,252 |
| Net interest margin | 3.1294% | 6,237 |
| Noninterest income to average assets | 0.0515% | 7,644 |
| Noninterest expense to average assets | 7.4431% | 178 |
| Loan and lease loss provision to assets | 1.0109% | 1,897 |
| Net operating income to assets | -5.5115% | 7,885 |
| Return on assets (ROA) | -5.4761% | 7,883 |
| Pretax return on assets | -5.4761% | 7,862 |
| Return on Equity (ROE) | -18.5051% | 7,325 |
| Retained earnings to average equity (ytd only) | -18.5051% | 7,289 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 249.0153% | 86 |
| Assets per employee ($millions) | 3.8989% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.5618% | 5,150 |
| Net loans and leases to deposits | 78.6331% | 4,633 |
| Net loans and leases to core deposits | 126.8171% | 1,674 |
| Total domestic deposits to total assets | 79.5616% | 5,606 |
| Equity capital to assets | 19.6895% | 363 |
| Core capital (leverage) ratio | 22.0975% | 233 |
| Tier 1 risk-based capital ratio | 27.2496% | 728 |
| Total risk-based capital ratio | 28.3342% | 723 |
| Memoranda: | ||
| Average total assets | $41,415,250 | 7,090 |
| Average earning assets | $38,260,000 | 7,060 |
| Average equity | $12,255,750 | 4,732 |
| Average total loans | $20,769,250 | 7,215 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 7,964 |
| Cost of funding earning assets | 0.9009% | 7,695 |
| Net interest margin | 2.9082% | 6,780 |
| Noninterest income to average assets | 0.0504% | 7,736 |
| Noninterest expense to average assets | 8.4476% | 149 |
| Loan and lease loss provision to assets | 1.1532% | 1,489 |
| Net operating income to assets | -6.8578% | 8,044 |
| Return on assets (ROA) | -6.8578% | 8,037 |
| Pretax return on assets | -6.8578% | 8,017 |
| Return on Equity (ROE) | -19.5958% | 7,490 |
| Retained earnings to average equity (ytd only) | -19.5958% | 7,441 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 303.0612% | 80 |
| Assets per employee ($millions) | 3.1553% | 5,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.4224% | 6,046 |
| Net loans and leases to deposits | 78.8614% | 4,723 |
| Net loans and leases to core deposits | 119.9488% | 2,377 |
| Total domestic deposits to total assets | 72.8143% | 7,137 |
| Equity capital to assets | 25.1025% | 200 |
| Core capital (leverage) ratio | 30.4972% | 138 |
| Tier 1 risk-based capital ratio | 37.8213% | 353 |
| Total risk-based capital ratio | 38.8250% | 350 |
| Memoranda: | ||
| Average total assets | $35,726,000 | 7,382 |
| Average earning assets | $33,079,000 | 7,356 |
| Average equity | $12,502,670 | 4,678 |
| Average total loans | $15,373,000 | 7,569 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5065% | 8,092 |
| Cost of funding earning assets | 0.8875% | 7,828 |
| Net interest margin | 2.6189% | 7,343 |
| Noninterest income to average assets | 0.0535% | 7,813 |
| Noninterest expense to average assets | 9.1565% | 131 |
| Loan and lease loss provision to assets | 1.2699% | 1,008 |
| Net operating income to assets | -7.9668% | 8,144 |
| Return on assets (ROA) | -7.9668% | 8,133 |
| Pretax return on assets | -7.9668% | 8,111 |
| Return on Equity (ROE) | -18.6054% | 7,724 |
| Retained earnings to average equity (ytd only) | -18.6054% | 7,605 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 372.2826% | 59 |
| Assets per employee ($millions) | 2.1309% | 7,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 5,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.4468% | 7,595 |
| Net loans and leases to deposits | 63.2745% | 6,629 |
| Net loans and leases to core deposits | 87.3198% | 5,805 |
| Total domestic deposits to total assets | 62.3423% | 7,898 |
| Equity capital to assets | 36.6868% | 100 |
| Core capital (leverage) ratio | 42.4870% | 90 |
| Tier 1 risk-based capital ratio | 68.0408% | 115 |
| Total risk-based capital ratio | 68.8653% | 116 |
| Memoranda: | ||
| Average total assets | $29,924,000 | 7,652 |
| Average earning assets | $27,492,000 | 7,629 |
| Average equity | $12,813,500 | 4,623 |
| Average total loans | $9,340,000 | 7,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7998% | 8,269 |
| Cost of funding earning assets | 0.2066% | 8,239 |
| Net interest margin | 0.5932% | 8,256 |
| Noninterest income to average assets | 0.0096% | 8,070 |
| Noninterest expense to average assets | 4.3450% | 997 |
| Loan and lease loss provision to assets | 0.2701% | 4,234 |
| Net operating income to assets | -4.0653% | 7,998 |
| Return on assets (ROA) | -4.0653% | 7,985 |
| Pretax return on assets | -4.0653% | 7,901 |
| Return on Equity (ROE) | -6.4109% | 6,991 |
| Retained earnings to average equity (ytd only) | -6.4109% | 6,712 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 790.3509% | 24 |
| Assets per employee ($millions) | 1.9811% | 7,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 19.5076% | 8,156 |
| Net loans and leases to deposits | 44.1476% | 7,844 |
| Net loans and leases to core deposits | 70.4628% | 7,164 |
| Total domestic deposits to total assets | 44.1873% | 8,166 |
| Equity capital to assets | 50.9397% | 77 |
| Core capital (leverage) ratio | 60.6062% | 61 |
| Tier 1 risk-based capital ratio | 127.1497% | 62 |
| Total risk-based capital ratio | 127.6950% | 61 |
| Memoranda: | ||
| Average total assets | $20,736,500 | 7,995 |
| Average earning assets | $18,880,500 | 7,975 |
| Average equity | $13,149,500 | 4,531 |
| Average total loans | $2,540,000 | 8,225 |