Home > Texas Exchange Bank > Performance and Condition Ratios
Texas Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1861% | 86 |
| Cost of funding earning assets | 1.4405% | 2,105 |
| Net interest margin | 7.7456% | 37 |
| Noninterest income to average assets | 3.1400% | 174 |
| Noninterest expense to average assets | 3.8519% | 413 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 6.5223% | 55 |
| Return on assets (ROA) | 5.8752% | 65 |
| Pretax return on assets | 5.8752% | 82 |
| Return on Equity (ROE) | 48.2400% | 57 |
| Retained earnings to average equity (ytd only) | 33.0794% | 38 |
| Net charge-offs to loans | 0.3526% | 306 |
| Credit loss provision to net charge-offs | 102.2783% | 1,814 |
| Earnings coverage of net charge-offs (x) | 44.5818% | 1,365 |
| Efficiency ratio | 36.4063% | 4,429 |
| Assets per employee ($millions) | 97.2296% | 21 |
| Cash dividends to net income (ytd only)* | 31.4325% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,695 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 40.5800% | 4,020 |
| Net loans and leases to deposits | 50.2795% | 3,942 |
| Net loans and leases to core deposits | 566.9722% | 41 |
| Total domestic deposits to total assets | 80.7100% | 3,355 |
| Equity capital to assets | 15.5032% | 508 |
| Core capital (leverage) ratio | 15.8283% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0355% | 273 |
| Memoranda: | ||
| Average total assets | $2,704,720,600 | 432 |
| Average earning assets | $2,597,954,400 | 410 |
| Average equity | $329,389,400 | 365 |
| Average total loans | $1,157,739,200 | 652 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9373% | 85 |
| Cost of funding earning assets | 1.4163% | 1,817 |
| Net interest margin | 7.5211% | 38 |
| Noninterest income to average assets | 3.3100% | 181 |
| Noninterest expense to average assets | 3.8385% | 404 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 6.3035% | 60 |
| Return on assets (ROA) | 5.7254% | 66 |
| Pretax return on assets | 5.7254% | 85 |
| Return on Equity (ROE) | 50.4900% | 71 |
| Retained earnings to average equity (ytd only) | 28.7389% | 101 |
| Net charge-offs to loans | 0.0613% | 1,051 |
| Credit loss provision to net charge-offs | 1,214.8976% | 359 |
| Earnings coverage of net charge-offs (x) | 252.3948% | 510 |
| Efficiency ratio | 36.4507% | 4,440 |
| Assets per employee ($millions) | 105.2099% | 19 |
| Cash dividends to net income (ytd only)* | 43.0766% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 45.1600% | 3,862 |
| Net loans and leases to deposits | 53.6081% | 3,806 |
| Net loans and leases to core deposits | 567.1967% | 8 |
| Total domestic deposits to total assets | 84.2400% | 2,705 |
| Equity capital to assets | 12.4799% | 928 |
| Core capital (leverage) ratio | 14.2264% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4120% | 408 |
| Memoranda: | ||
| Average total assets | $2,700,293,500 | 434 |
| Average earning assets | $2,592,338,000 | 411 |
| Average equity | $306,221,000 | 389 |
| Average total loans | $1,167,293,250 | 649 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7202% | 85 |
| Cost of funding earning assets | 1.3468% | 1,592 |
| Net interest margin | 7.3734% | 42 |
| Noninterest income to average assets | 2.0600% | 232 |
| Noninterest expense to average assets | 3.7430% | 422 |
| Loan and lease loss provision to assets | 0.4900% | 151 |
| Net operating income to assets | 4.9101% | 74 |
| Return on assets (ROA) | 4.7543% | 78 |
| Pretax return on assets | 4.7543% | 92 |
| Return on Equity (ROE) | 43.4000% | 90 |
| Retained earnings to average equity (ytd only) | 18.7056% | 303 |
| Net charge-offs to loans | 0.0944% | 700 |
| Credit loss provision to net charge-offs | 1,214.8976% | 353 |
| Earnings coverage of net charge-offs (x) | 135.0652% | 791 |
| Efficiency ratio | 40.9591% | 4,365 |
| Assets per employee ($millions) | 108.6844% | 16 |
| Cash dividends to net income (ytd only)* | 56.9026% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 613 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.4400% | 3,988 |
| Net loans and leases to deposits | 48.6859% | 3,963 |
| Net loans and leases to core deposits | 519.5336% | 8 |
| Total domestic deposits to total assets | 85.1200% | 2,509 |
| Equity capital to assets | 11.2112% | 1,298 |
| Core capital (leverage) ratio | 12.8558% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6322% | 585 |
| Memoranda: | ||
| Average total assets | $2,688,572,333 | 423 |
| Average earning assets | $2,581,933,333 | 401 |
| Average equity | $294,500,667 | 391 |
| Average total loans | $1,137,749,667 | 646 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2070% | 57 |
| Cost of funding earning assets | 1.2680% | 1,303 |
| Net interest margin | 6.9391% | 52 |
| Noninterest income to average assets | 1.7600% | 271 |
| Noninterest expense to average assets | 3.2031% | 794 |
| Loan and lease loss provision to assets | 0.8700% | 79 |
| Net operating income to assets | 4.3747% | 85 |
| Return on assets (ROA) | 4.1232% | 95 |
| Pretax return on assets | 4.1232% | 108 |
| Return on Equity (ROE) | 38.1000% | 129 |
| Retained earnings to average equity (ytd only) | 12.9546% | 1,106 |
| Net charge-offs to loans | 0.1857% | 390 |
| Credit loss provision to net charge-offs | 1,104.9430% | 337 |
| Earnings coverage of net charge-offs (x) | 66.6540% | 966 |
| Efficiency ratio | 37.9194% | 4,492 |
| Assets per employee ($millions) | 106.6646% | 17 |
| Cash dividends to net income (ytd only)* | 65.9956% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 685 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.2600% | 3,985 |
| Net loans and leases to deposits | 47.8808% | 3,964 |
| Net loans and leases to core deposits | 497.1788% | 9 |
| Total domestic deposits to total assets | 86.1800% | 2,538 |
| Equity capital to assets | 11.5176% | 1,150 |
| Core capital (leverage) ratio | 12.2565% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5115% | 610 |
| Memoranda: | ||
| Average total assets | $2,674,304,000 | 439 |
| Average earning assets | $2,575,739,000 | 413 |
| Average equity | $289,441,000 | 404 |
| Average total loans | $1,133,306,000 | 651 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 2,921 |
| Cost of funding earning assets | 0.7106% | 560 |
| Net interest margin | 2.8466% | 3,801 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 1.2478% | 4,586 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 2.4021% | 163 |
| Return on assets (ROA) | 1.6227% | 619 |
| Pretax return on assets | 1.6227% | 1,104 |
| Return on Equity (ROE) | 21.3300% | 374 |
| Retained earnings to average equity (ytd only) | 14.5261% | 329 |
| Net charge-offs to loans | 0.2338% | 336 |
| Credit loss provision to net charge-offs | 147.7254% | 1,312 |
| Earnings coverage of net charge-offs (x) | 36.4457% | 1,564 |
| Efficiency ratio | 33.2619% | 4,630 |
| Assets per employee ($millions) | 103.1535% | 18 |
| Cash dividends to net income (ytd only)* | 31.9098% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.2000% | 3,965 |
| Net loans and leases to deposits | 48.6485% | 3,950 |
| Net loans and leases to core deposits | 418.5111% | 11 |
| Total domestic deposits to total assets | 86.7400% | 2,478 |
| Equity capital to assets | 10.1324% | 1,645 |
| Core capital (leverage) ratio | 11.7396% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7634% | 750 |
| Memoranda: | ||
| Average total assets | $3,455,931,400 | 351 |
| Average earning assets | $3,261,896,800 | 334 |
| Average equity | $262,871,600 | 427 |
| Average total loans | $1,015,187,200 | 671 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6640% | 4,326 |
| Cost of funding earning assets | 0.5751% | 501 |
| Net interest margin | 2.0889% | 4,524 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 0.8951% | 4,691 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.3451% | 1,221 |
| Return on assets (ROA) | 1.1089% | 2,023 |
| Pretax return on assets | 1.1089% | 2,691 |
| Return on Equity (ROE) | 15.5300% | 1,074 |
| Retained earnings to average equity (ytd only) | 15.5258% | 318 |
| Net charge-offs to loans | 0.0618% | 871 |
| Credit loss provision to net charge-offs | 976.0440% | 414 |
| Earnings coverage of net charge-offs (x) | 90.6769% | 989 |
| Efficiency ratio | 37.2588% | 4,628 |
| Assets per employee ($millions) | 163.3977% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6897% | 897 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.9200% | 4,526 |
| Net loans and leases to deposits | 46.0846% | 4,022 |
| Net loans and leases to core deposits | 357.5533% | 11 |
| Total domestic deposits to total assets | 54.0800% | 4,643 |
| Equity capital to assets | 5.8017% | 4,033 |
| Core capital (leverage) ratio | 12.2307% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0572% | 1,410 |
| Memoranda: | ||
| Average total assets | $3,649,416,250 | 334 |
| Average earning assets | $3,432,661,750 | 321 |
| Average equity | $260,651,750 | 432 |
| Average total loans | $982,404,000 | 691 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2165% | 4,560 |
| Cost of funding earning assets | 0.5312% | 437 |
| Net interest margin | 1.6853% | 4,658 |
| Noninterest income to average assets | 0.5083% | 2,155 |
| Noninterest expense to average assets | 0.7206% | 4,734 |
| Loan and lease loss provision to assets | 0.1279% | 761 |
| Net operating income to assets | 1.2581% | 1,263 |
| Return on assets (ROA) | 1.0333% | 2,011 |
| Pretax return on assets | 1.0333% | 2,627 |
| Return on Equity (ROE) | 13.4835% | 1,247 |
| Retained earnings to average equity (ytd only) | 13.4835% | 413 |
| Net charge-offs to loans | -0.0004% | 2,981 |
| Credit loss provision to net charge-offs | -112,050.0000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2066% | 4,692 |
| Assets per employee ($millions) | 146.4280% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 27.5921% | 4,525 |
| Net loans and leases to deposits | 51.2302% | 3,744 |
| Net loans and leases to core deposits | 360.0930% | 12 |
| Total domestic deposits to total assets | 53.8591% | 4,713 |
| Equity capital to assets | 6.7059% | 3,939 |
| Core capital (leverage) ratio | 12.6783% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3488% | 1,110 |
| Memoranda: | ||
| Average total assets | $3,504,241,000 | 340 |
| Average earning assets | $3,323,391,667 | 332 |
| Average equity | $268,536,333 | 421 |
| Average total loans | $964,661,333 | 689 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0642% | 4,595 |
| Cost of funding earning assets | 0.5310% | 420 |
| Net interest margin | 1.5331% | 4,690 |
| Noninterest income to average assets | 0.4550% | 2,378 |
| Noninterest expense to average assets | 0.3641% | 4,786 |
| Loan and lease loss provision to assets | 0.1732% | 445 |
| Net operating income to assets | 1.3677% | 860 |
| Return on assets (ROA) | 1.1892% | 1,269 |
| Pretax return on assets | 1.1892% | 1,840 |
| Return on Equity (ROE) | 14.4909% | 733 |
| Retained earnings to average equity (ytd only) | 14.4909% | 331 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.1132% | 4,780 |
| Assets per employee ($millions) | 128.2946% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 1,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 26.7078% | 4,539 |
| Net loans and leases to deposits | 46.0106% | 3,972 |
| Net loans and leases to core deposits | 308.1601% | 15 |
| Total domestic deposits to total assets | 58.0470% | 4,735 |
| Equity capital to assets | 7.8173% | 3,713 |
| Core capital (leverage) ratio | 12.6664% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2978% | 859 |
| Memoranda: | ||
| Average total assets | $3,352,797,000 | 355 |
| Average earning assets | $3,171,078,000 | 343 |
| Average equity | $275,152,500 | 420 |
| Average total loans | $913,880,500 | 718 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5273% | 4,459 |
| Cost of funding earning assets | 0.5771% | 613 |
| Net interest margin | 1.9502% | 4,622 |
| Noninterest income to average assets | 0.4772% | 2,689 |
| Noninterest expense to average assets | 0.4147% | 4,817 |
| Loan and lease loss provision to assets | 0.1547% | 768 |
| Net operating income to assets | 1.7902% | 519 |
| Return on assets (ROA) | 2.0924% | 307 |
| Pretax return on assets | 2.0924% | 505 |
| Return on Equity (ROE) | 22.6387% | 191 |
| Retained earnings to average equity (ytd only) | 22.6387% | 36 |
| Net charge-offs to loans | -0.0010% | 3,281 |
| Credit loss provision to net charge-offs | -53,600.0000% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5751% | 4,827 |
| Assets per employee ($millions) | 124.6784% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.9659% | 4,596 |
| Net loans and leases to deposits | 47.3915% | 4,029 |
| Net loans and leases to core deposits | 331.2919% | 15 |
| Total domestic deposits to total assets | 56.9003% | 4,778 |
| Equity capital to assets | 8.6227% | 3,965 |
| Core capital (leverage) ratio | 12.8231% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4527% | 828 |
| Memoranda: | ||
| Average total assets | $2,771,946,200 | 400 |
| Average earning assets | $2,675,479,200 | 384 |
| Average equity | $256,194,600 | 434 |
| Average total loans | $820,195,000 | 785 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 4,423 |
| Cost of funding earning assets | 0.5944% | 655 |
| Net interest margin | 2.0897% | 4,629 |
| Noninterest income to average assets | 0.5452% | 2,435 |
| Noninterest expense to average assets | 0.4397% | 4,899 |
| Loan and lease loss provision to assets | 0.1614% | 681 |
| Net operating income to assets | 1.9907% | 473 |
| Return on assets (ROA) | 2.4243% | 245 |
| Pretax return on assets | 2.4243% | 378 |
| Return on Equity (ROE) | 25.7043% | 158 |
| Retained earnings to average equity (ytd only) | 25.7043% | 49 |
| Net charge-offs to loans | -0.0013% | 3,160 |
| Credit loss provision to net charge-offs | -40,175.0000% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.9664% | 4,903 |
| Assets per employee ($millions) | 105.9210% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 31.9272% | 4,540 |
| Net loans and leases to deposits | 51.3874% | 3,931 |
| Net loans and leases to core deposits | 355.9875% | 17 |
| Total domestic deposits to total assets | 62.1303% | 4,825 |
| Equity capital to assets | 9.8553% | 3,044 |
| Core capital (leverage) ratio | 13.0538% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0834% | 594 |
| Memoranda: | ||
| Average total assets | $2,654,523,000 | 417 |
| Average earning assets | $2,599,893,000 | 395 |
| Average equity | $250,364,250 | 449 |
| Average total loans | $803,331,250 | 811 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3592% | 4,692 |
| Cost of funding earning assets | 0.6020% | 739 |
| Net interest margin | 1.7572% | 4,799 |
| Noninterest income to average assets | 0.7031% | 1,796 |
| Noninterest expense to average assets | 0.4250% | 4,936 |
| Loan and lease loss provision to assets | 0.2200% | 478 |
| Net operating income to assets | 1.7803% | 746 |
| Return on assets (ROA) | 2.2935% | 306 |
| Pretax return on assets | 2.2935% | 485 |
| Return on Equity (ROE) | 24.7060% | 206 |
| Retained earnings to average equity (ytd only) | 24.7060% | 76 |
| Net charge-offs to loans | -0.0021% | 3,205 |
| Credit loss provision to net charge-offs | -36,050.0000% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5223% | 4,940 |
| Assets per employee ($millions) | 97.6565% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 32.2344% | 4,582 |
| Net loans and leases to deposits | 50.4327% | 4,082 |
| Net loans and leases to core deposits | 354.1038% | 18 |
| Total domestic deposits to total assets | 63.9158% | 4,844 |
| Equity capital to assets | 9.7106% | 3,131 |
| Core capital (leverage) ratio | 12.4224% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2332% | 674 |
| Memoranda: | ||
| Average total assets | $2,621,382,000 | 418 |
| Average earning assets | $2,569,272,000 | 395 |
| Average equity | $243,349,333 | 457 |
| Average total loans | $773,876,333 | 834 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3693% | 4,728 |
| Cost of funding earning assets | 0.6492% | 698 |
| Net interest margin | 1.7200% | 4,833 |
| Noninterest income to average assets | 0.9580% | 1,207 |
| Noninterest expense to average assets | 0.3580% | 4,967 |
| Loan and lease loss provision to assets | 0.0906% | 1,464 |
| Net operating income to assets | 2.1973% | 422 |
| Return on assets (ROA) | 2.9439% | 179 |
| Pretax return on assets | 2.9439% | 245 |
| Return on Equity (ROE) | 32.4653% | 104 |
| Retained earnings to average equity (ytd only) | 32.4653% | 66 |
| Net charge-offs to loans | -0.0044% | 3,340 |
| Credit loss provision to net charge-offs | -7,400.0000% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.5288% | 4,966 |
| Assets per employee ($millions) | 108.5035% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.8003% | 4,728 |
| Net loans and leases to deposits | 45.6477% | 4,372 |
| Net loans and leases to core deposits | 276.8736% | 22 |
| Total domestic deposits to total assets | 63.0925% | 4,867 |
| Equity capital to assets | 9.1114% | 3,578 |
| Core capital (leverage) ratio | 11.5419% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7407% | 605 |
| Memoranda: | ||
| Average total assets | $2,613,710,000 | 415 |
| Average earning assets | $2,564,841,000 | 394 |
| Average equity | $237,003,500 | 460 |
| Average total loans | $729,793,000 | 865 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9373% | 4,682 |
| Cost of funding earning assets | 1.1738% | 305 |
| Net interest margin | 1.7635% | 4,888 |
| Noninterest income to average assets | 1.0196% | 1,016 |
| Noninterest expense to average assets | 1.0704% | 4,919 |
| Loan and lease loss provision to assets | 0.3753% | 871 |
| Net operating income to assets | 1.3083% | 1,228 |
| Return on assets (ROA) | 2.0910% | 236 |
| Pretax return on assets | 2.0910% | 365 |
| Return on Equity (ROE) | 20.9054% | 192 |
| Retained earnings to average equity (ytd only) | 20.9054% | 60 |
| Net charge-offs to loans | 0.1492% | 1,095 |
| Credit loss provision to net charge-offs | 841.1034% | 866 |
| Earnings coverage of net charge-offs (x) | 37.7338% | 1,432 |
| Efficiency ratio | 38.8670% | 4,892 |
| Assets per employee ($millions) | 104.7847% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 26.2172% | 4,818 |
| Net loans and leases to deposits | 40.6305% | 4,646 |
| Net loans and leases to core deposits | 211.3524% | 35 |
| Total domestic deposits to total assets | 64.5260% | 4,874 |
| Equity capital to assets | 9.0205% | 4,034 |
| Core capital (leverage) ratio | 12.6548% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6836% | 529 |
| Memoranda: | ||
| Average total assets | $1,624,910,600 | 580 |
| Average earning assets | $1,598,087,600 | 541 |
| Average equity | $162,527,400 | 628 |
| Average total loans | $485,819,200 | 1,167 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 4,518 |
| Cost of funding earning assets | 1.4228% | 155 |
| Net interest margin | 1.8455% | 4,930 |
| Noninterest income to average assets | 0.8721% | 1,306 |
| Noninterest expense to average assets | 1.3430% | 4,889 |
| Loan and lease loss provision to assets | 0.3674% | 1,012 |
| Net operating income to assets | 0.9750% | 2,431 |
| Return on assets (ROA) | 1.3621% | 1,293 |
| Pretax return on assets | 1.3621% | 1,844 |
| Return on Equity (ROE) | 13.0438% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.0438% | 329 |
| Net charge-offs to loans | 0.1287% | 1,109 |
| Credit loss provision to net charge-offs | 909.1765% | 892 |
| Earnings coverage of net charge-offs (x) | 33.2235% | 1,505 |
| Efficiency ratio | 50.0106% | 4,491 |
| Assets per employee ($millions) | 91.9672% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 26.7447% | 4,877 |
| Net loans and leases to deposits | 41.0767% | 4,718 |
| Net loans and leases to core deposits | 135.1731% | 189 |
| Total domestic deposits to total assets | 65.1093% | 4,869 |
| Equity capital to assets | 9.1972% | 3,953 |
| Core capital (leverage) ratio | 12.8178% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2267% | 764 |
| Memoranda: | ||
| Average total assets | $1,402,430,000 | 640 |
| Average earning assets | $1,377,944,750 | 598 |
| Average equity | $146,446,500 | 681 |
| Average total loans | $440,139,750 | 1,245 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,071 |
| Cost of funding earning assets | 1.7344% | 65 |
| Net interest margin | 1.9737% | 4,951 |
| Noninterest income to average assets | 1.3422% | 571 |
| Noninterest expense to average assets | 1.9455% | 4,339 |
| Loan and lease loss provision to assets | 0.5953% | 533 |
| Net operating income to assets | 0.7424% | 3,237 |
| Return on assets (ROA) | 0.8793% | 2,889 |
| Pretax return on assets | 0.8793% | 3,376 |
| Return on Equity (ROE) | 7.8534% | 2,808 |
| Retained earnings to average equity (ytd only) | 7.8534% | 1,348 |
| Net charge-offs to loans | 0.1142% | 1,160 |
| Credit loss provision to net charge-offs | 1,534.0708% | 590 |
| Earnings coverage of net charge-offs (x) | 34.4735% | 1,344 |
| Efficiency ratio | 59.2564% | 3,526 |
| Assets per employee ($millions) | 60.3108% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.9522% | 4,725 |
| Net loans and leases to deposits | 40.5308% | 4,782 |
| Net loans and leases to core deposits | 137.0926% | 193 |
| Total domestic deposits to total assets | 88.7034% | 863 |
| Equity capital to assets | 10.9425% | 2,398 |
| Core capital (leverage) ratio | 12.6237% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9482% | 1,065 |
| Memoranda: | ||
| Average total assets | $1,164,824,667 | 752 |
| Average earning assets | $1,145,552,667 | 709 |
| Average equity | $130,414,333 | 754 |
| Average total loans | $395,853,000 | 1,338 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,929 |
| Cost of funding earning assets | 1.8264% | 72 |
| Net interest margin | 2.1238% | 4,985 |
| Noninterest income to average assets | 0.6188% | 1,957 |
| Noninterest expense to average assets | 2.3412% | 3,680 |
| Loan and lease loss provision to assets | 0.5520% | 518 |
| Net operating income to assets | -0.1761% | 4,841 |
| Return on assets (ROA) | -0.2084% | 4,830 |
| Pretax return on assets | -0.2084% | 4,814 |
| Return on Equity (ROE) | -1.8342% | 4,831 |
| Retained earnings to average equity (ytd only) | -1.8342% | 4,231 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1674% | 691 |
| Assets per employee ($millions) | 52.4279% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 29.6726% | 4,913 |
| Net loans and leases to deposits | 33.1557% | 4,942 |
| Net loans and leases to core deposits | 83.3548% | 2,902 |
| Total domestic deposits to total assets | 89.4948% | 473 |
| Equity capital to assets | 9.1786% | 4,478 |
| Core capital (leverage) ratio | 12.7963% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8080% | 400 |
| Memoranda: | ||
| Average total assets | $1,053,663,000 | 787 |
| Average earning assets | $1,040,973,000 | 737 |
| Average equity | $119,727,000 | 803 |
| Average total loans | $340,882,500 | 1,486 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,655 |
| Cost of funding earning assets | 1.6640% | 224 |
| Net interest margin | 2.0604% | 5,087 |
| Noninterest income to average assets | 1.2326% | 620 |
| Noninterest expense to average assets | 0.6141% | 5,154 |
| Loan and lease loss provision to assets | 0.1507% | 1,415 |
| Net operating income to assets | 2.4854% | 138 |
| Return on assets (ROA) | 2.4839% | 147 |
| Pretax return on assets | 2.4839% | 219 |
| Return on Equity (ROE) | 22.5425% | 128 |
| Retained earnings to average equity (ytd only) | 13.4333% | 145 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.8938% | 5,159 |
| Assets per employee ($millions) | 41.4745% | 25 |
| Cash dividends to net income (ytd only)* | 40.4089% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 34.6339% | 4,887 |
| Net loans and leases to deposits | 40.3998% | 4,898 |
| Net loans and leases to core deposits | 109.0601% | 910 |
| Total domestic deposits to total assets | 85.7278% | 2,173 |
| Equity capital to assets | 14.0041% | 1,097 |
| Core capital (leverage) ratio | 15.2619% | 635 |
| Tier 1 risk-based capital ratio | 26.8866% | 622 |
| Total risk-based capital ratio | 27.6649% | 639 |
| Memoranda: | ||
| Average total assets | $996,297,400 | 787 |
| Average earning assets | $975,606,600 | 740 |
| Average equity | $109,779,400 | 829 |
| Average total loans | $293,517,200 | 1,636 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,784 |
| Cost of funding earning assets | 1.6431% | 252 |
| Net interest margin | 2.0544% | 5,176 |
| Noninterest income to average assets | 1.6184% | 355 |
| Noninterest expense to average assets | 0.6241% | 5,237 |
| Loan and lease loss provision to assets | 0.1224% | 1,597 |
| Net operating income to assets | 2.8798% | 96 |
| Return on assets (ROA) | 2.8778% | 100 |
| Pretax return on assets | 2.8778% | 133 |
| Return on Equity (ROE) | 27.9084% | 51 |
| Retained earnings to average equity (ytd only) | 15.0669% | 145 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.2102% | 5,238 |
| Assets per employee ($millions) | 49.0457% | 23 |
| Cash dividends to net income (ytd only)* | 46.0130% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 24.7642% | 5,123 |
| Net loans and leases to deposits | 40.4175% | 4,984 |
| Net loans and leases to core deposits | 95.1633% | 2,071 |
| Total domestic deposits to total assets | 61.2709% | 5,154 |
| Equity capital to assets | 10.2486% | 3,779 |
| Core capital (leverage) ratio | 13.8459% | 1,026 |
| Tier 1 risk-based capital ratio | 21.9480% | 1,076 |
| Total risk-based capital ratio | 22.6016% | 1,124 |
| Memoranda: | ||
| Average total assets | $1,006,893,500 | 780 |
| Average earning assets | $984,065,500 | 738 |
| Average equity | $103,827,500 | 874 |
| Average total loans | $283,341,500 | 1,688 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 4,464 |
| Cost of funding earning assets | 1.6547% | 226 |
| Net interest margin | 2.3053% | 5,189 |
| Noninterest income to average assets | 2.1739% | 236 |
| Noninterest expense to average assets | 0.6198% | 5,287 |
| Loan and lease loss provision to assets | 0.1319% | 1,419 |
| Net operating income to assets | 3.6754% | 61 |
| Return on assets (ROA) | 3.6724% | 65 |
| Pretax return on assets | 3.6724% | 79 |
| Return on Equity (ROE) | 35.5341% | 26 |
| Retained earnings to average equity (ytd only) | 35.5341% | 11 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.0007% | 5,287 |
| Assets per employee ($millions) | 50.1370% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 27.8875% | 5,125 |
| Net loans and leases to deposits | 48.2145% | 4,842 |
| Net loans and leases to core deposits | 88.3011% | 2,766 |
| Total domestic deposits to total assets | 57.8404% | 5,224 |
| Equity capital to assets | 10.6086% | 3,431 |
| Core capital (leverage) ratio | 14.4698% | 831 |
| Tier 1 risk-based capital ratio | 23.8120% | 867 |
| Total risk-based capital ratio | 24.4261% | 904 |
| Memoranda: | ||
| Average total assets | $982,856,000 | 792 |
| Average earning assets | $960,657,000 | 750 |
| Average equity | $101,575,670 | 884 |
| Average total loans | $287,630,670 | 1,673 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 4,130 |
| Cost of funding earning assets | 1.6995% | 160 |
| Net interest margin | 2.3980% | 5,226 |
| Noninterest income to average assets | 0.7048% | 1,595 |
| Noninterest expense to average assets | 0.7226% | 5,337 |
| Loan and lease loss provision to assets | 0.2809% | 480 |
| Net operating income to assets | 2.0421% | 359 |
| Return on assets (ROA) | 2.0313% | 385 |
| Pretax return on assets | 2.0313% | 608 |
| Return on Equity (ROE) | 19.9710% | 267 |
| Retained earnings to average equity (ytd only) | 19.9710% | 108 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7262% | 5,336 |
| Assets per employee ($millions) | 49.2821% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,629 |
| Loan loss allowance to noncurrent loans | 524.5614% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,563 |
| Noncurrent loans to loans | 0.1925% | 3,897 |
| Net loans and leases to total assets | 27.0381% | 5,192 |
| Net loans and leases to deposits | 42.7837% | 5,016 |
| Net loans and leases to core deposits | 78.7631% | 3,467 |
| Total domestic deposits to total assets | 63.1972% | 5,252 |
| Equity capital to assets | 9.0209% | 4,666 |
| Core capital (leverage) ratio | 11.6846% | 1,996 |
| Tier 1 risk-based capital ratio | 18.9560% | 1,551 |
| Total risk-based capital ratio | 19.5683% | 1,659 |
| Memoranda: | ||
| Average total assets | $922,776,500 | 848 |
| Average earning assets | $900,751,500 | 799 |
| Average equity | $93,856,000 | 937 |
| Average total loans | $276,149,500 | 1,739 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8781% | 5,268 |
| Cost of funding earning assets | 1.1410% | 431 |
| Net interest margin | 1.7371% | 5,362 |
| Noninterest income to average assets | -0.3201% | 5,392 |
| Noninterest expense to average assets | 0.5849% | 5,387 |
| Loan and lease loss provision to assets | -0.0014% | 5,078 |
| Net operating income to assets | 0.7897% | 3,842 |
| Return on assets (ROA) | 0.8014% | 3,801 |
| Pretax return on assets | 0.8014% | 4,164 |
| Return on Equity (ROE) | 9.9790% | 2,526 |
| Retained earnings to average equity (ytd only) | 9.9790% | 619 |
| Net charge-offs to loans | 0.3346% | 575 |
| Credit loss provision to net charge-offs | -1.6704% | 4,248 |
| Earnings coverage of net charge-offs (x) | 9.3430% | 2,818 |
| Efficiency ratio | 42.5932% | 5,226 |
| Assets per employee ($millions) | 33.1020% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,100 |
| 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 | 33.3381% | 5,136 |
| Net loans and leases to deposits | 37.8810% | 5,157 |
| Net loans and leases to core deposits | 70.5530% | 4,097 |
| Total domestic deposits to total assets | 88.0074% | 1,292 |
| Equity capital to assets | 11.8090% | 2,025 |
| Core capital (leverage) ratio | 11.8871% | 1,811 |
| Tier 1 risk-based capital ratio | 21.1516% | 1,137 |
| Total risk-based capital ratio | 21.7159% | 1,208 |
| Memoranda: | ||
| Average total assets | $1,064,261,000 | 721 |
| Average earning assets | $1,037,457,000 | 677 |
| Average equity | $85,469,600 | 979 |
| Average total loans | $268,349,800 | 1,737 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6302% | 5,394 |
| Cost of funding earning assets | 0.9865% | 629 |
| Net interest margin | 1.6438% | 5,440 |
| Noninterest income to average assets | -0.0372% | 5,445 |
| Noninterest expense to average assets | 0.5423% | 5,458 |
| Loan and lease loss provision to assets | -0.0209% | 5,237 |
| Net operating income to assets | 1.0418% | 2,906 |
| Return on assets (ROA) | 1.0569% | 2,853 |
| Pretax return on assets | 1.0569% | 3,549 |
| Return on Equity (ROE) | 14.2829% | 1,041 |
| Retained earnings to average equity (ytd only) | 14.2829% | 225 |
| Net charge-offs to loans | 0.2722% | 613 |
| Credit loss provision to net charge-offs | -32.3105% | 4,135 |
| Earnings coverage of net charge-offs (x) | 15.7563% | 2,199 |
| Efficiency ratio | 34.6925% | 5,401 |
| Assets per employee ($millions) | 55.0312% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,584 |
| 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 | 24.4285% | 5,349 |
| Net loans and leases to deposits | 50.7341% | 4,929 |
| Net loans and leases to core deposits | 97.6654% | 1,968 |
| Total domestic deposits to total assets | 48.1501% | 5,428 |
| Equity capital to assets | 6.9695% | 5,390 |
| Core capital (leverage) ratio | 11.9701% | 1,801 |
| Tier 1 risk-based capital ratio | 21.2289% | 1,150 |
| Total risk-based capital ratio | 21.8353% | 1,212 |
| Memoranda: | ||
| Average total assets | $1,140,017,750 | 672 |
| Average earning assets | $1,109,933,750 | 634 |
| Average equity | $84,360,000 | 987 |
| Average total loans | $271,397,250 | 1,720 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6209% | 5,453 |
| Cost of funding earning assets | 0.9234% | 659 |
| Net interest margin | 1.6976% | 5,498 |
| Noninterest income to average assets | -0.0073% | 5,507 |
| Noninterest expense to average assets | 0.5482% | 5,523 |
| Loan and lease loss provision to assets | -0.0331% | 5,350 |
| Net operating income to assets | 1.1310% | 2,472 |
| Return on assets (ROA) | 1.1372% | 2,454 |
| Pretax return on assets | 1.1372% | 3,175 |
| Return on Equity (ROE) | 15.0321% | 842 |
| Retained earnings to average equity (ytd only) | 15.0321% | 197 |
| Net charge-offs to loans | 0.4295% | 360 |
| Credit loss provision to net charge-offs | -32.8520% | 3,982 |
| Earnings coverage of net charge-offs (x) | 10.8809% | 2,305 |
| Efficiency ratio | 33.3038% | 5,473 |
| Assets per employee ($millions) | 48.2428% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,098 |
| 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 | 22.6024% | 5,422 |
| Net loans and leases to deposits | 45.0498% | 5,119 |
| Net loans and leases to core deposits | 87.7975% | 2,738 |
| Total domestic deposits to total assets | 50.1721% | 5,491 |
| Equity capital to assets | 7.3760% | 5,400 |
| Core capital (leverage) ratio | 12.6632% | 1,360 |
| Tier 1 risk-based capital ratio | 18.5553% | 1,660 |
| Total risk-based capital ratio | 19.1020% | 1,807 |
| Memoranda: | ||
| Average total assets | $1,098,118,000 | 696 |
| Average earning assets | $1,069,540,330 | 656 |
| Average equity | $83,075,330 | 996 |
| Average total loans | $257,957,000 | 1,805 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6035% | 5,513 |
| Cost of funding earning assets | 0.8833% | 651 |
| Net interest margin | 1.7202% | 5,563 |
| Noninterest income to average assets | 0.0217% | 5,529 |
| Noninterest expense to average assets | 0.5931% | 5,588 |
| Loan and lease loss provision to assets | -0.0681% | 5,483 |
| Net operating income to assets | 1.1739% | 2,120 |
| Return on assets (ROA) | 1.1769% | 2,115 |
| Pretax return on assets | 1.1769% | 2,856 |
| Return on Equity (ROE) | 15.3481% | 742 |
| Retained earnings to average equity (ytd only) | 15.3481% | 301 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9129% | 5,526 |
| Assets per employee ($millions) | 45.1450% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,491 |
| Loan loss allowance to noncurrent loans | 19.3599% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 972 |
| Noncurrent loans to loans | 6.4820% | 86 |
| Net loans and leases to total assets | 22.3176% | 5,486 |
| Net loans and leases to deposits | 42.8553% | 5,192 |
| Net loans and leases to core deposits | 85.0158% | 2,892 |
| Total domestic deposits to total assets | 52.0766% | 5,551 |
| Equity capital to assets | 7.6982% | 5,367 |
| Core capital (leverage) ratio | 12.4895% | 1,395 |
| Tier 1 risk-based capital ratio | 19.8471% | 1,374 |
| Total risk-based capital ratio | 20.5873% | 1,435 |
| Memoranda: | ||
| Average total assets | $1,068,263,500 | 717 |
| Average earning assets | $1,041,506,500 | 675 |
| Average equity | $81,912,500 | 1,014 |
| Average total loans | $254,827,500 | 1,828 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9100% | 5,408 |
| Cost of funding earning assets | 0.9079% | 357 |
| Net interest margin | 2.0021% | 5,572 |
| Noninterest income to average assets | 0.0079% | 5,604 |
| Noninterest expense to average assets | 0.5621% | 5,647 |
| Loan and lease loss provision to assets | 0.1093% | 2,060 |
| Net operating income to assets | 1.2994% | 1,221 |
| Return on assets (ROA) | 1.5488% | 738 |
| Pretax return on assets | 1.5488% | 1,455 |
| Return on Equity (ROE) | 18.8585% | 251 |
| Retained earnings to average equity (ytd only) | 18.8585% | 47 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5215% | 5,630 |
| Assets per employee ($millions) | 45.7847% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,605 |
| 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 | 24.8346% | 5,519 |
| Net loans and leases to deposits | 46.9552% | 5,168 |
| Net loans and leases to core deposits | 90.1218% | 2,561 |
| Total domestic deposits to total assets | 52.8900% | 5,617 |
| Equity capital to assets | 7.6366% | 5,507 |
| Core capital (leverage) ratio | 11.7169% | 1,783 |
| Tier 1 risk-based capital ratio | 18.1854% | 1,749 |
| Total risk-based capital ratio | 18.9322% | 1,841 |
| Memoranda: | ||
| Average total assets | $813,395,200 | 918 |
| Average earning assets | $797,461,000 | 860 |
| Average equity | $66,802,600 | 1,195 |
| Average total loans | $249,661,000 | 1,820 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9751% | 5,429 |
| Cost of funding earning assets | 0.8799% | 391 |
| Net interest margin | 2.0952% | 5,624 |
| Noninterest income to average assets | -0.0411% | 5,704 |
| Noninterest expense to average assets | 0.5696% | 5,718 |
| Loan and lease loss provision to assets | 0.1573% | 1,311 |
| Net operating income to assets | 1.2898% | 1,376 |
| Return on assets (ROA) | 1.6207% | 705 |
| Pretax return on assets | 1.6207% | 1,348 |
| Return on Equity (ROE) | 19.2616% | 260 |
| Retained earnings to average equity (ytd only) | 19.2616% | 58 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.2443% | 5,700 |
| Assets per employee ($millions) | 48.9897% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,950 |
| 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 | 24.9361% | 5,591 |
| Net loans and leases to deposits | 47.2075% | 5,216 |
| Net loans and leases to core deposits | 88.6933% | 2,712 |
| Total domestic deposits to total assets | 52.8224% | 5,684 |
| Equity capital to assets | 7.1250% | 5,654 |
| Core capital (leverage) ratio | 12.0874% | 1,632 |
| Tier 1 risk-based capital ratio | 17.2325% | 2,081 |
| Total risk-based capital ratio | 17.9729% | 2,198 |
| Memoranda: | ||
| Average total assets | $753,482,250 | 989 |
| Average earning assets | $740,034,750 | 936 |
| Average equity | $63,399,000 | 1,257 |
| Average total loans | $245,882,500 | 1,847 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 5,197 |
| Cost of funding earning assets | 0.8661% | 377 |
| Net interest margin | 2.3683% | 5,584 |
| Noninterest income to average assets | -0.0883% | 5,755 |
| Noninterest expense to average assets | 0.6529% | 5,765 |
| Loan and lease loss provision to assets | 0.2082% | 859 |
| Net operating income to assets | 1.3849% | 1,101 |
| Return on assets (ROA) | 1.9393% | 354 |
| Pretax return on assets | 1.9393% | 601 |
| Return on Equity (ROE) | 21.2370% | 169 |
| Retained earnings to average equity (ytd only) | 21.2370% | 48 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0701% | 5,744 |
| Assets per employee ($millions) | 39.6673% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,579 |
| 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 | 31.2702% | 5,519 |
| Net loans and leases to deposits | 59.9753% | 4,629 |
| Net loans and leases to core deposits | 101.0745% | 1,580 |
| Total domestic deposits to total assets | 52.1384% | 5,728 |
| Equity capital to assets | 7.8772% | 5,584 |
| Core capital (leverage) ratio | 13.0234% | 1,167 |
| Tier 1 risk-based capital ratio | 16.4722% | 2,336 |
| Total risk-based capital ratio | 17.2097% | 2,460 |
| Memoranda: | ||
| Average total assets | $645,385,330 | 1,135 |
| Average earning assets | $636,155,000 | 1,064 |
| Average equity | $58,935,000 | 1,339 |
| Average total loans | $237,173,330 | 1,907 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 4,614 |
| Cost of funding earning assets | 0.8990% | 284 |
| Net interest margin | 2.6288% | 5,450 |
| Noninterest income to average assets | 0.1745% | 5,234 |
| Noninterest expense to average assets | 0.7741% | 5,827 |
| Loan and lease loss provision to assets | 0.1204% | 1,589 |
| Net operating income to assets | 1.8648% | 393 |
| Return on assets (ROA) | 3.2046% | 83 |
| Pretax return on assets | 3.2046% | 114 |
| Return on Equity (ROE) | 31.5375% | 37 |
| Retained earnings to average equity (ytd only) | 31.5375% | 23 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0534% | 5,809 |
| Assets per employee ($millions) | 30.6516% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,451 |
| 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 | 32.3573% | 5,530 |
| Net loans and leases to deposits | 58.2321% | 4,679 |
| Net loans and leases to core deposits | 90.4177% | 2,318 |
| Total domestic deposits to total assets | 55.5661% | 5,794 |
| Equity capital to assets | 8.3286% | 5,341 |
| Core capital (leverage) ratio | 13.2671% | 1,051 |
| Tier 1 risk-based capital ratio | 17.2114% | 2,118 |
| Total risk-based capital ratio | 17.9968% | 2,233 |
| Memoranda: | ||
| Average total assets | $531,737,500 | 1,342 |
| Average earning assets | $522,818,500 | 1,265 |
| Average equity | $54,031,000 | 1,442 |
| Average total loans | $217,796,500 | 2,042 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,194 |
| Cost of funding earning assets | 0.9037% | 290 |
| Net interest margin | 3.7345% | 2,558 |
| Noninterest income to average assets | 0.3505% | 4,224 |
| Noninterest expense to average assets | 1.2736% | 5,814 |
| Loan and lease loss provision to assets | 0.3925% | 400 |
| Net operating income to assets | 2.3000% | 198 |
| Return on assets (ROA) | 2.3126% | 206 |
| Pretax return on assets | 2.3126% | 270 |
| Return on Equity (ROE) | 18.4685% | 292 |
| Retained earnings to average equity (ytd only) | 18.4685% | 64 |
| Net charge-offs to loans | 0.0006% | 4,267 |
| Credit loss provision to net charge-offs | 115,800.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 7,943.0000% | 2 |
| Efficiency ratio | 31.1709% | 5,864 |
| Assets per employee ($millions) | 19.4570% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,711 |
| 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 | 54.6088% | 4,384 |
| Net loans and leases to deposits | 65.0102% | 4,334 |
| Net loans and leases to core deposits | 100.2548% | 1,598 |
| Total domestic deposits to total assets | 84.0003% | 3,417 |
| Equity capital to assets | 13.3369% | 1,117 |
| Core capital (leverage) ratio | 13.5762% | 944 |
| Tier 1 risk-based capital ratio | 17.6646% | 1,958 |
| Total risk-based capital ratio | 18.4826% | 2,039 |
| Memoranda: | ||
| Average total assets | $294,995,400 | 2,192 |
| Average earning assets | $285,609,400 | 2,125 |
| Average equity | $36,938,600 | 1,978 |
| Average total loans | $154,856,000 | 2,583 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 1,690 |
| Cost of funding earning assets | 0.8186% | 452 |
| Net interest margin | 3.6332% | 2,954 |
| Noninterest income to average assets | 0.3075% | 4,573 |
| Noninterest expense to average assets | 1.3070% | 5,864 |
| Loan and lease loss provision to assets | 0.4411% | 304 |
| Net operating income to assets | 2.0668% | 309 |
| Return on assets (ROA) | 2.0668% | 323 |
| Pretax return on assets | 2.0668% | 498 |
| Return on Equity (ROE) | 16.9000% | 455 |
| Retained earnings to average equity (ytd only) | 16.9000% | 90 |
| Net charge-offs to loans | 0.0010% | 3,917 |
| Credit loss provision to net charge-offs | 89,800.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 5,118.6692% | 9 |
| Efficiency ratio | 32.8441% | 5,916 |
| Assets per employee ($millions) | 20.2399% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,126 |
| 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 | 42.1652% | 5,287 |
| Net loans and leases to deposits | 59.1435% | 4,814 |
| Net loans and leases to core deposits | 91.8708% | 2,393 |
| Total domestic deposits to total assets | 71.2931% | 5,629 |
| Equity capital to assets | 9.4168% | 4,750 |
| Core capital (leverage) ratio | 11.8801% | 1,764 |
| Tier 1 risk-based capital ratio | 15.3170% | 2,907 |
| Total risk-based capital ratio | 16.1816% | 3,009 |
| Memoranda: | ||
| Average total assets | $271,459,500 | 2,363 |
| Average earning assets | $262,059,000 | 2,280 |
| Average equity | $33,198,500 | 2,184 |
| Average total loans | $139,852,500 | 2,787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,247 |
| Cost of funding earning assets | 0.7335% | 682 |
| Net interest margin | 3.8781% | 2,053 |
| Noninterest income to average assets | 0.3674% | 4,123 |
| Noninterest expense to average assets | 1.7056% | 5,684 |
| Loan and lease loss provision to assets | 0.3639% | 436 |
| Net operating income to assets | 2.0149% | 324 |
| Return on assets (ROA) | 2.0149% | 339 |
| Pretax return on assets | 2.0149% | 552 |
| Return on Equity (ROE) | 14.4938% | 747 |
| Retained earnings to average equity (ytd only) | 14.4938% | 161 |
| Net charge-offs to loans | 0.0016% | 3,652 |
| Credit loss provision to net charge-offs | 41,300.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,700.0000% | 16 |
| Efficiency ratio | 39.3874% | 5,918 |
| Assets per employee ($millions) | 16.6807% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,892 |
| Loan loss allowance to noncurrent loans | 328.1377% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 4,921 |
| Noncurrent loans to loans | 0.3384% | 4,152 |
| Net loans and leases to total assets | 43.2714% | 5,272 |
| Net loans and leases to deposits | 65.7987% | 4,363 |
| Net loans and leases to core deposits | 101.6055% | 1,503 |
| Total domestic deposits to total assets | 65.7633% | 5,893 |
| Equity capital to assets | 10.8509% | 3,235 |
| Core capital (leverage) ratio | 14.8088% | 641 |
| Tier 1 risk-based capital ratio | 13.3934% | 3,970 |
| Total risk-based capital ratio | 14.0068% | 4,252 |
| Memoranda: | ||
| Average total assets | $227,013,330 | 2,708 |
| Average earning assets | $217,578,330 | 2,644 |
| Average equity | $31,558,330 | 2,272 |
| Average total loans | $128,873,330 | 2,953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 666 |
| Cost of funding earning assets | 0.6870% | 860 |
| Net interest margin | 4.2384% | 1,018 |
| Noninterest income to average assets | 0.1451% | 5,617 |
| Noninterest expense to average assets | 2.0954% | 5,119 |
| Loan and lease loss provision to assets | 0.5964% | 183 |
| Net operating income to assets | 1.4737% | 899 |
| Return on assets (ROA) | 1.4737% | 943 |
| Pretax return on assets | 1.4737% | 1,677 |
| Return on Equity (ROE) | 8.7559% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.7559% | 1,185 |
| Net charge-offs to loans | 0.0033% | 3,007 |
| Credit loss provision to net charge-offs | 25,900.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 899.0000% | 49 |
| Efficiency ratio | 47.2637% | 5,760 |
| Assets per employee ($millions) | 10.6652% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,987 |
| Loan loss allowance to noncurrent loans | 296.9636% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 4,634 |
| Noncurrent loans to loans | 0.3745% | 4,093 |
| Net loans and leases to total assets | 61.1487% | 3,636 |
| Net loans and leases to deposits | 87.3208% | 1,902 |
| Net loans and leases to core deposits | 118.1310% | 522 |
| Total domestic deposits to total assets | 70.0276% | 5,863 |
| Equity capital to assets | 16.2004% | 513 |
| Core capital (leverage) ratio | 19.6262% | 209 |
| Tier 1 risk-based capital ratio | 18.7470% | 1,792 |
| Total risk-based capital ratio | 19.5629% | 1,867 |
| Memoranda: | ||
| Average total assets | $173,713,500 | 3,287 |
| Average earning assets | $164,779,500 | 3,217 |
| Average equity | $29,237,500 | 2,422 |
| Average total loans | $120,320,000 | 3,082 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 916 |
| Cost of funding earning assets | 0.8019% | 486 |
| Net interest margin | 4.0052% | 1,700 |
| Noninterest income to average assets | 0.1597% | 5,625 |
| Noninterest expense to average assets | 3.0267% | 2,456 |
| Loan and lease loss provision to assets | 0.1475% | 1,596 |
| Net operating income to assets | 0.6581% | 4,004 |
| Return on assets (ROA) | 0.6581% | 4,093 |
| Pretax return on assets | 0.6581% | 4,653 |
| Return on Equity (ROE) | 3.6583% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.6583% | 3,449 |
| Net charge-offs to loans | 0.0034% | 4,339 |
| Credit loss provision to net charge-offs | 6,433.3333% | 54 |
| Earnings coverage of net charge-offs (x) | 351.3333% | 198 |
| Efficiency ratio | 74.5911% | 2,491 |
| Assets per employee ($millions) | 7.4513% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,981 |
| Loan loss allowance to noncurrent loans | 244.7368% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 4,120 |
| Noncurrent loans to loans | 0.4543% | 3,845 |
| Net loans and leases to total assets | 80.1736% | 826 |
| Net loans and leases to deposits | 101.5430% | 575 |
| Net loans and leases to core deposits | 112.7028% | 735 |
| Total domestic deposits to total assets | 78.9553% | 4,989 |
| Equity capital to assets | 17.8335% | 329 |
| Core capital (leverage) ratio | 17.1032% | 356 |
| Tier 1 risk-based capital ratio | 19.5659% | 1,573 |
| Total risk-based capital ratio | 20.5918% | 1,582 |
| Memoranda: | ||
| Average total assets | $130,834,000 | 3,873 |
| Average earning assets | $119,969,600 | 3,882 |
| Average equity | $23,535,800 | 2,830 |
| Average total loans | $88,448,800 | 3,622 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,040 |
| Cost of funding earning assets | 0.8121% | 458 |
| Net interest margin | 3.9233% | 1,956 |
| Noninterest income to average assets | 0.1938% | 5,495 |
| Noninterest expense to average assets | 3.0356% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7404% | 3,726 |
| Return on assets (ROA) | 0.7404% | 3,821 |
| Pretax return on assets | 0.7404% | 4,534 |
| Return on Equity (ROE) | 4.1068% | 4,991 |
| Retained earnings to average equity (ytd only) | 4.1068% | 3,541 |
| Net charge-offs to loans | 0.0064% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 180.6079% | 402 |
| Efficiency ratio | 75.9098% | 2,262 |
| Assets per employee ($millions) | 6.4339% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,966 |
| Loan loss allowance to noncurrent loans | 205.4656% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 4,224 |
| Noncurrent loans to loans | 0.5570% | 3,661 |
| Net loans and leases to total assets | 68.1360% | 2,656 |
| Net loans and leases to deposits | 87.2850% | 1,994 |
| Net loans and leases to core deposits | 97.7109% | 1,725 |
| Total domestic deposits to total assets | 78.0615% | 5,172 |
| Equity capital to assets | 18.4841% | 308 |
| Core capital (leverage) ratio | 17.9611% | 304 |
| Tier 1 risk-based capital ratio | 21.8391% | 1,221 |
| Total risk-based capital ratio | 22.8072% | 1,239 |
| Memoranda: | ||
| Average total assets | $130,011,500 | 3,926 |
| Average earning assets | $118,706,000 | 3,940 |
| Average equity | $23,440,000 | 2,865 |
| Average total loans | $83,375,750 | 3,772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 869 |
| Cost of funding earning assets | 0.8222% | 444 |
| Net interest margin | 3.9913% | 1,660 |
| Noninterest income to average assets | 0.1702% | 5,684 |
| Noninterest expense to average assets | 3.1106% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6914% | 3,934 |
| Return on assets (ROA) | 0.6914% | 4,044 |
| Pretax return on assets | 0.6914% | 4,679 |
| Return on Equity (ROE) | 3.8671% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.8671% | 3,543 |
| Net charge-offs to loans | 0.0147% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 75.1667% | 743 |
| Efficiency ratio | 77.3790% | 2,148 |
| Assets per employee ($millions) | 5.5894% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 2,638 |
| Loan loss allowance to noncurrent loans | 205.0607% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 4,363 |
| Noncurrent loans to loans | 0.6951% | 3,409 |
| Net loans and leases to total assets | 54.4938% | 4,507 |
| Net loans and leases to deposits | 69.6483% | 3,967 |
| Net loans and leases to core deposits | 78.3736% | 3,540 |
| Total domestic deposits to total assets | 78.2414% | 5,225 |
| Equity capital to assets | 18.2932% | 309 |
| Core capital (leverage) ratio | 17.2613% | 345 |
| Tier 1 risk-based capital ratio | 24.4439% | 912 |
| Total risk-based capital ratio | 25.5394% | 921 |
| Memoranda: | ||
| Average total assets | $130,456,000 | 3,953 |
| Average earning assets | $118,708,330 | 3,973 |
| Average equity | $23,325,000 | 2,883 |
| Average total loans | $81,604,000 | 3,834 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 566 |
| Cost of funding earning assets | 0.8184% | 452 |
| Net interest margin | 4.1826% | 1,105 |
| Noninterest income to average assets | 0.1461% | 5,863 |
| Noninterest expense to average assets | 3.0014% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9406% | 2,555 |
| Return on assets (ROA) | 0.9406% | 2,690 |
| Pretax return on assets | 0.9406% | 3,741 |
| Return on Equity (ROE) | 5.3209% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3209% | 2,876 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8919% | 3,191 |
| Assets per employee ($millions) | 5.2400% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 3,725 |
| Loan loss allowance to noncurrent loans | 206.2753% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 4,509 |
| Noncurrent loans to loans | 0.6025% | 3,769 |
| Net loans and leases to total assets | 61.8145% | 3,400 |
| Net loans and leases to deposits | 78.4851% | 2,739 |
| Net loans and leases to core deposits | 86.8423% | 2,453 |
| Total domestic deposits to total assets | 78.7595% | 5,303 |
| Equity capital to assets | 17.8481% | 341 |
| Core capital (leverage) ratio | 17.0345% | 352 |
| Tier 1 risk-based capital ratio | 23.8832% | 1,010 |
| Total risk-based capital ratio | 24.9678% | 1,010 |
| Memoranda: | ||
| Average total assets | $131,406,000 | 3,964 |
| Average earning assets | $119,255,500 | 3,991 |
| Average equity | $23,229,000 | 2,912 |
| Average total loans | $86,872,000 | 3,729 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,368 |
| Cost of funding earning assets | 0.8727% | 454 |
| Net interest margin | 3.7988% | 2,625 |
| Noninterest income to average assets | 0.1755% | 5,807 |
| Noninterest expense to average assets | 2.8388% | 3,346 |
| Loan and lease loss provision to assets | 0.0957% | 2,554 |
| Net operating income to assets | 0.6132% | 4,309 |
| Return on assets (ROA) | 0.3997% | 5,293 |
| Pretax return on assets | 0.3746% | 5,550 |
| Return on Equity (ROE) | 2.3173% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.3173% | 4,578 |
| Net charge-offs to loans | 0.0049% | 4,854 |
| Credit loss provision to net charge-offs | 3,150.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 225.0000% | 243 |
| Efficiency ratio | 75.8412% | 2,532 |
| Assets per employee ($millions) | 5.4922% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 4,490 |
| Loan loss allowance to noncurrent loans | 206.2753% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 4,574 |
| Noncurrent loans to loans | 0.5384% | 4,044 |
| Net loans and leases to total assets | 68.8321% | 2,431 |
| Net loans and leases to deposits | 87.1054% | 1,834 |
| Net loans and leases to core deposits | 94.4503% | 1,875 |
| Total domestic deposits to total assets | 79.0216% | 5,248 |
| Equity capital to assets | 17.5075% | 363 |
| Core capital (leverage) ratio | 16.5262% | 413 |
| Tier 1 risk-based capital ratio | 21.9920% | 1,226 |
| Total risk-based capital ratio | 23.0148% | 1,235 |
| Memoranda: | ||
| Average total assets | $131,602,600 | 3,945 |
| Average earning assets | $115,957,200 | 4,051 |
| Average equity | $22,699,000 | 2,880 |
| Average total loans | $82,446,400 | 3,807 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6000% | 1,560 |
| Cost of funding earning assets | 0.8848% | 454 |
| Net interest margin | 3.7152% | 2,961 |
| Noninterest income to average assets | 0.1693% | 5,907 |
| Noninterest expense to average assets | 2.8095% | 3,425 |
| Loan and lease loss provision to assets | 0.0841% | 2,672 |
| Net operating income to assets | 0.5605% | 4,630 |
| Return on assets (ROA) | 0.2757% | 5,726 |
| Pretax return on assets | 0.2422% | 5,881 |
| Return on Equity (ROE) | 1.6044% | 5,921 |
| Retained earnings to average equity (ytd only) | 1.6044% | 5,240 |
| Net charge-offs to loans | -0.0017% | 5,180 |
| Credit loss provision to net charge-offs | -8,300.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2444% | 2,317 |
| Assets per employee ($millions) | 6.0892% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,724 |
| Loan loss allowance to noncurrent loans | 198.5830% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,821 |
| Noncurrent loans to loans | 0.5562% | 4,253 |
| Net loans and leases to total assets | 65.5614% | 2,943 |
| Net loans and leases to deposits | 82.4127% | 2,374 |
| Net loans and leases to core deposits | 89.1854% | 2,301 |
| Total domestic deposits to total assets | 79.5526% | 5,208 |
| Equity capital to assets | 17.0420% | 422 |
| Core capital (leverage) ratio | 16.0538% | 467 |
| Tier 1 risk-based capital ratio | 21.5473% | 1,335 |
| Total risk-based capital ratio | 22.5259% | 1,370 |
| Memoranda: | ||
| Average total assets | $131,550,250 | 3,977 |
| Average earning assets | $115,127,500 | 4,107 |
| Average equity | $22,604,500 | 2,890 |
| Average total loans | $80,121,000 | 3,898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,387 |
| Cost of funding earning assets | 0.8922% | 446 |
| Net interest margin | 3.7615% | 2,707 |
| Noninterest income to average assets | 0.1484% | 6,073 |
| Noninterest expense to average assets | 2.7641% | 3,643 |
| Loan and lease loss provision to assets | 0.0551% | 3,198 |
| Net operating income to assets | 0.6363% | 4,176 |
| Return on assets (ROA) | 0.2080% | 5,869 |
| Pretax return on assets | 0.1576% | 6,013 |
| Return on Equity (ROE) | 1.2073% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.2073% | 5,270 |
| Net charge-offs to loans | -0.0026% | 5,081 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2354% | 2,581 |
| Assets per employee ($millions) | 5.3663% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 4,761 |
| Loan loss allowance to noncurrent loans | 189.0688% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 4,920 |
| Noncurrent loans to loans | 0.5980% | 4,234 |
| Net loans and leases to total assets | 60.8749% | 3,585 |
| Net loans and leases to deposits | 76.4417% | 2,993 |
| Net loans and leases to core deposits | 83.1320% | 2,839 |
| Total domestic deposits to total assets | 79.6358% | 5,321 |
| Equity capital to assets | 16.9212% | 425 |
| Core capital (leverage) ratio | 16.1709% | 455 |
| Tier 1 risk-based capital ratio | 22.9386% | 1,120 |
| Total risk-based capital ratio | 23.9393% | 1,137 |
| Memoranda: | ||
| Average total assets | $130,746,000 | 4,017 |
| Average earning assets | $113,199,330 | 4,162 |
| Average equity | $22,529,330 | 2,893 |
| Average total loans | $77,225,000 | 3,996 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 1,407 |
| Cost of funding earning assets | 0.9084% | 430 |
| Net interest margin | 3.7287% | 2,754 |
| Noninterest income to average assets | 0.1550% | 6,040 |
| Noninterest expense to average assets | 2.8208% | 3,491 |
| Loan and lease loss provision to assets | 0.0310% | 3,416 |
| Net operating income to assets | 0.3470% | 5,325 |
| Return on assets (ROA) | -0.2976% | 6,396 |
| Pretax return on assets | -0.3999% | 6,427 |
| Return on Equity (ROE) | -1.7110% | 6,344 |
| Retained earnings to average equity (ytd only) | -1.7110% | 5,826 |
| Net charge-offs to loans | -0.0054% | 4,833 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7575% | 2,243 |
| Assets per employee ($millions) | 6.1332% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.8518% | 3,722 |
| Net loans and leases to deposits | 74.5520% | 3,000 |
| Net loans and leases to core deposits | 81.4310% | 2,803 |
| Total domestic deposits to total assets | 78.9407% | 5,693 |
| Equity capital to assets | 17.4514% | 356 |
| Core capital (leverage) ratio | 16.5043% | 420 |
| Tier 1 risk-based capital ratio | 25.3501% | 853 |
| Total risk-based capital ratio | 26.4398% | 851 |
| Memoranda: | ||
| Average total assets | $129,040,500 | 4,086 |
| Average earning assets | $109,637,500 | 4,284 |
| Average equity | $22,443,500 | 2,896 |
| Average total loans | $74,536,500 | 4,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 412 |
| Cost of funding earning assets | 0.9495% | 576 |
| Net interest margin | 4.4797% | 767 |
| Noninterest income to average assets | 0.0983% | 6,391 |
| Noninterest expense to average assets | 3.2458% | 2,293 |
| Loan and lease loss provision to assets | 0.2201% | 1,659 |
| Net operating income to assets | 0.4191% | 5,085 |
| Return on assets (ROA) | 0.4191% | 5,194 |
| Pretax return on assets | 0.4191% | 5,445 |
| Return on Equity (ROE) | 2.5021% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.5021% | 4,474 |
| Net charge-offs to loans | 0.0678% | 4,264 |
| Credit loss provision to net charge-offs | 529.0909% | 443 |
| Earnings coverage of net charge-offs (x) | 15.3636% | 1,872 |
| Efficiency ratio | 79.2640% | 2,274 |
| Assets per employee ($millions) | 5.8765% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,442 |
| Loan loss allowance to noncurrent loans | 9,966.6667% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,413 |
| Noncurrent loans to loans | 0.0124% | 6,242 |
| Net loans and leases to total assets | 55.2803% | 4,422 |
| Net loans and leases to deposits | 69.9864% | 3,787 |
| Net loans and leases to core deposits | 75.1361% | 3,711 |
| Total domestic deposits to total assets | 78.9872% | 5,654 |
| Equity capital to assets | 17.3341% | 374 |
| Core capital (leverage) ratio | 16.4001% | 423 |
| Tier 1 risk-based capital ratio | 25.8048% | 788 |
| Total risk-based capital ratio | 26.8985% | 786 |
| Memoranda: | ||
| Average total assets | $132,202,000 | 4,030 |
| Average earning assets | $111,748,400 | 4,227 |
| Average equity | $22,141,600 | 2,913 |
| Average total loans | $81,120,400 | 3,900 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 559 |
| Cost of funding earning assets | 0.9511% | 641 |
| Net interest margin | 4.3145% | 1,062 |
| Noninterest income to average assets | 0.1284% | 6,375 |
| Noninterest expense to average assets | 3.3721% | 1,886 |
| Loan and lease loss provision to assets | 0.2548% | 1,397 |
| Net operating income to assets | 0.1825% | 5,958 |
| Return on assets (ROA) | 0.1825% | 6,025 |
| Pretax return on assets | 0.1825% | 6,066 |
| Return on Equity (ROE) | 1.0993% | 6,159 |
| Retained earnings to average equity (ytd only) | 1.0993% | 5,535 |
| Net charge-offs to loans | 0.0016% | 5,191 |
| Credit loss provision to net charge-offs | 25,400.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 437.0827% | 132 |
| Efficiency ratio | 84.1759% | 1,568 |
| Assets per employee ($millions) | 6.2468% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 5,544 |
| Loan loss allowance to noncurrent loans | 4,815.7895% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 6,457 |
| Noncurrent loans to loans | 0.0217% | 6,288 |
| Net loans and leases to total assets | 66.1440% | 2,615 |
| Net loans and leases to deposits | 83.3124% | 1,962 |
| Net loans and leases to core deposits | 90.2584% | 1,945 |
| Total domestic deposits to total assets | 79.3928% | 5,653 |
| Equity capital to assets | 16.9147% | 429 |
| Core capital (leverage) ratio | 15.9025% | 506 |
| Tier 1 risk-based capital ratio | 21.0727% | 1,480 |
| Total risk-based capital ratio | 22.0026% | 1,520 |
| Memoranda: | ||
| Average total assets | $132,931,750 | 4,055 |
| Average earning assets | $113,412,500 | 4,238 |
| Average equity | $22,074,500 | 2,956 |
| Average total loans | $83,309,250 | 3,875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 700 |
| Cost of funding earning assets | 0.9469% | 722 |
| Net interest margin | 4.2006% | 1,272 |
| Noninterest income to average assets | 0.1738% | 6,163 |
| Noninterest expense to average assets | 3.4753% | 1,665 |
| Loan and lease loss provision to assets | 0.3490% | 956 |
| Net operating income to assets | -0.0090% | 6,308 |
| Return on assets (ROA) | -0.0090% | 6,371 |
| Pretax return on assets | -0.0090% | 6,364 |
| Return on Equity (ROE) | -0.0545% | 6,372 |
| Retained earnings to average equity (ytd only) | -0.0545% | 5,867 |
| Net charge-offs to loans | 0.0147% | 4,555 |
| Credit loss provision to net charge-offs | 3,883.3333% | 77 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 965 |
| Efficiency ratio | 86.7687% | 1,340 |
| Assets per employee ($millions) | 6.2857% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 5,706 |
| Loan loss allowance to noncurrent loans | 888.0000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,274 |
| Noncurrent loans to loans | 0.1162% | 6,043 |
| Net loans and leases to total assets | 64.5444% | 2,833 |
| Net loans and leases to deposits | 81.0537% | 2,172 |
| Net loans and leases to core deposits | 89.2331% | 1,980 |
| Total domestic deposits to total assets | 79.6317% | 5,683 |
| Equity capital to assets | 16.6251% | 455 |
| Core capital (leverage) ratio | 15.6760% | 495 |
| Tier 1 risk-based capital ratio | 21.2804% | 1,427 |
| Total risk-based capital ratio | 22.2022% | 1,478 |
| Memoranda: | ||
| Average total assets | $133,515,000 | 4,067 |
| Average earning assets | $115,746,000 | 4,207 |
| Average equity | $22,036,330 | 2,982 |
| Average total loans | $81,851,000 | 3,928 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 652 |
| Cost of funding earning assets | 0.9561% | 764 |
| Net interest margin | 4.2116% | 1,162 |
| Noninterest income to average assets | 0.0864% | 6,628 |
| Noninterest expense to average assets | 3.4944% | 1,636 |
| Loan and lease loss provision to assets | 0.2085% | 1,783 |
| Net operating income to assets | -0.0864% | 6,428 |
| Return on assets (ROA) | -0.0864% | 6,483 |
| Pretax return on assets | -0.0864% | 6,477 |
| Return on Equity (ROE) | -0.5253% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.5253% | 5,887 |
| Net charge-offs to loans | 0.0351% | 3,534 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 5.8571% | 2,313 |
| Efficiency ratio | 92.0923% | 971 |
| Assets per employee ($millions) | 5.7542% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 6,307 |
| Loan loss allowance to noncurrent loans | 689.5238% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 6,177 |
| Noncurrent loans to loans | 0.1276% | 6,088 |
| Net loans and leases to total assets | 61.6365% | 3,138 |
| Net loans and leases to deposits | 77.4285% | 2,428 |
| Net loans and leases to core deposits | 85.2206% | 2,189 |
| Total domestic deposits to total assets | 79.6044% | 5,842 |
| Equity capital to assets | 16.7008% | 460 |
| Core capital (leverage) ratio | 15.3375% | 536 |
| Tier 1 risk-based capital ratio | 21.8680% | 1,356 |
| Total risk-based capital ratio | 22.6433% | 1,423 |
| Memoranda: | ||
| Average total assets | $134,273,000 | 4,097 |
| Average earning assets | $112,546,000 | 4,319 |
| Average equity | $22,082,000 | 3,016 |
| Average total loans | $79,733,500 | 4,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,420 |
| Cost of funding earning assets | 0.9659% | 1,551 |
| Net interest margin | 3.7767% | 3,333 |
| Noninterest income to average assets | 0.4088% | 4,535 |
| Noninterest expense to average assets | 4.0401% | 936 |
| Loan and lease loss provision to assets | 0.2413% | 2,719 |
| Net operating income to assets | -0.7018% | 6,650 |
| Return on assets (ROA) | -0.6682% | 6,670 |
| Pretax return on assets | -0.6682% | 6,645 |
| Return on Equity (ROE) | -3.8397% | 6,543 |
| Retained earnings to average equity (ytd only) | -3.8397% | 6,347 |
| Net charge-offs to loans | -0.0062% | 6,405 |
| Credit loss provision to net charge-offs | -7,350.0000% | 6,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8193% | 370 |
| Assets per employee ($millions) | 7.5666% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,380 |
| Loan loss allowance to noncurrent loans | 751.1364% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 6,289 |
| Noncurrent loans to loans | 0.1140% | 6,201 |
| Net loans and leases to total assets | 56.1737% | 4,263 |
| Net loans and leases to deposits | 70.0270% | 3,708 |
| Net loans and leases to core deposits | 78.2819% | 3,223 |
| Total domestic deposits to total assets | 80.2172% | 5,606 |
| Equity capital to assets | 16.1976% | 521 |
| Core capital (leverage) ratio | 15.2540% | 532 |
| Tier 1 risk-based capital ratio | 21.9920% | 1,262 |
| Total risk-based capital ratio | 22.7050% | 1,342 |
| Memoranda: | ||
| Average total assets | $121,828,200 | 4,319 |
| Average earning assets | $102,284,400 | 4,539 |
| Average equity | $21,199,800 | 3,072 |
| Average total loans | $64,962,200 | 4,548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 2,838 |
| Cost of funding earning assets | 0.9551% | 1,826 |
| Net interest margin | 3.7356% | 3,631 |
| Noninterest income to average assets | 0.4939% | 3,967 |
| Noninterest expense to average assets | 4.3020% | 659 |
| Loan and lease loss provision to assets | 0.2864% | 2,280 |
| Net operating income to assets | -0.9630% | 6,848 |
| Return on assets (ROA) | -0.9630% | 6,878 |
| Pretax return on assets | -0.9630% | 6,855 |
| Return on Equity (ROE) | -5.4261% | 6,730 |
| Retained earnings to average equity (ytd only) | -5.4261% | 6,640 |
| Net charge-offs to loans | -0.0086% | 6,343 |
| Credit loss provision to net charge-offs | -6,350.0000% | 6,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.5303% | 247 |
| Assets per employee ($millions) | 6.4772% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 6,518 |
| Loan loss allowance to noncurrent loans | 5,175.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 6,576 |
| Noncurrent loans to loans | 0.0163% | 6,607 |
| Net loans and leases to total assets | 56.2230% | 4,412 |
| Net loans and leases to deposits | 68.0142% | 4,177 |
| Net loans and leases to core deposits | 76.1549% | 3,704 |
| Total domestic deposits to total assets | 82.6637% | 4,770 |
| Equity capital to assets | 17.0700% | 453 |
| Core capital (leverage) ratio | 17.3448% | 345 |
| Tier 1 risk-based capital ratio | 25.0748% | 901 |
| Total risk-based capital ratio | 25.8429% | 937 |
| Memoranda: | ||
| Average total assets | $118,235,500 | 4,440 |
| Average earning assets | $99,115,750 | 4,661 |
| Average equity | $20,984,500 | 3,121 |
| Average total loans | $61,910,500 | 4,686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 3,354 |
| Cost of funding earning assets | 1.0790% | 1,318 |
| Net interest margin | 3.5229% | 4,582 |
| Noninterest income to average assets | 0.6342% | 3,046 |
| Noninterest expense to average assets | 4.4869% | 559 |
| Loan and lease loss provision to assets | 0.2883% | 2,276 |
| Net operating income to assets | -1.2772% | 6,976 |
| Return on assets (ROA) | -1.2772% | 6,993 |
| Pretax return on assets | -1.2772% | 6,964 |
| Return on Equity (ROE) | -7.0942% | 6,834 |
| Retained earnings to average equity (ytd only) | -7.0942% | 6,724 |
| Net charge-offs to loans | -0.0103% | 6,288 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7772% | 207 |
| Assets per employee ($millions) | 5.5559% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 6,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,606 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.6398% | 3,890 |
| Net loans and leases to deposits | 73.2419% | 3,418 |
| Net loans and leases to core deposits | 82.5290% | 2,895 |
| Total domestic deposits to total assets | 81.4286% | 5,322 |
| Equity capital to assets | 18.1988% | 325 |
| Core capital (leverage) ratio | 17.0401% | 365 |
| Tier 1 risk-based capital ratio | 22.9379% | 1,140 |
| Total risk-based capital ratio | 23.6021% | 1,208 |
| Memoranda: | ||
| Average total assets | $114,466,330 | 4,550 |
| Average earning assets | $93,048,670 | 4,846 |
| Average equity | $20,608,330 | 3,151 |
| Average total loans | $58,062,670 | 4,869 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 4,429 |
| Cost of funding earning assets | 1.2793% | 687 |
| Net interest margin | 3.0961% | 6,056 |
| Noninterest income to average assets | 0.7474% | 2,413 |
| Noninterest expense to average assets | 4.3637% | 621 |
| Loan and lease loss provision to assets | 0.4684% | 1,311 |
| Net operating income to assets | -1.6842% | 7,125 |
| Return on assets (ROA) | -1.6842% | 7,129 |
| Pretax return on assets | -1.6842% | 7,104 |
| Return on Equity (ROE) | -9.4032% | 6,978 |
| Retained earnings to average equity (ytd only) | -9.4032% | 6,820 |
| Net charge-offs to loans | -0.0074% | 5,869 |
| Credit loss provision to net charge-offs | -13,600.0000% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6039% | 154 |
| Assets per employee ($millions) | 4.9110% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,686 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.3951% | 4,485 |
| Net loans and leases to deposits | 67.9743% | 4,063 |
| Net loans and leases to core deposits | 80.6754% | 2,987 |
| Total domestic deposits to total assets | 81.4942% | 5,465 |
| Equity capital to assets | 18.2074% | 322 |
| Core capital (leverage) ratio | 16.6389% | 397 |
| Tier 1 risk-based capital ratio | 25.6536% | 839 |
| Total risk-based capital ratio | 26.3468% | 882 |
| Memoranda: | ||
| Average total assets | $116,141,000 | 4,540 |
| Average earning assets | $90,048,500 | 4,965 |
| Average equity | $20,801,500 | 3,130 |
| Average total loans | $53,693,500 | 5,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 5,451 |
| Cost of funding earning assets | 1.3035% | 1,471 |
| Net interest margin | 3.0896% | 6,367 |
| Noninterest income to average assets | 0.3532% | 4,977 |
| Noninterest expense to average assets | 4.4318% | 625 |
| Loan and lease loss provision to assets | 0.0492% | 5,972 |
| Net operating income to assets | -1.9114% | 7,015 |
| Return on assets (ROA) | -1.9114% | 7,024 |
| Pretax return on assets | -1.9114% | 7,004 |
| Return on Equity (ROE) | -10.9203% | 6,761 |
| Retained earnings to average equity (ytd only) | -10.9203% | 6,726 |
| Net charge-offs to loans | -0.0593% | 7,078 |
| Credit loss provision to net charge-offs | -222.7273% | 6,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.8813% | 107 |
| Assets per employee ($millions) | 4.9720% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 6,770 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.8338% | 6,713 |
| Net loans and leases to deposits | 44.8885% | 6,680 |
| Net loans and leases to core deposits | 54.5383% | 6,261 |
| Total domestic deposits to total assets | 82.0562% | 5,111 |
| Equity capital to assets | 17.6296% | 370 |
| Core capital (leverage) ratio | 16.5521% | 409 |
| Tier 1 risk-based capital ratio | 29.5134% | 541 |
| Total risk-based capital ratio | 30.0797% | 564 |
| Memoranda: | ||
| Average total assets | $99,665,000 | 4,898 |
| Average earning assets | $71,497,800 | 5,485 |
| Average equity | $17,444,600 | 3,512 |
| Average total loans | $37,116,600 | 5,828 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 5,859 |
| Cost of funding earning assets | 1.2669% | 1,888 |
| Net interest margin | 3.0602% | 6,472 |
| Noninterest income to average assets | 0.3884% | 4,750 |
| Noninterest expense to average assets | 4.4298% | 611 |
| Loan and lease loss provision to assets | 0.0352% | 5,996 |
| Net operating income to assets | -1.8026% | 7,101 |
| Return on assets (ROA) | -1.8026% | 7,113 |
| Pretax return on assets | -1.8026% | 7,080 |
| Return on Equity (ROE) | -10.3222% | 6,897 |
| Retained earnings to average equity (ytd only) | -10.3222% | 6,862 |
| Net charge-offs to loans | -0.0906% | 7,149 |
| Credit loss provision to net charge-offs | -104.1667% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.6638% | 113 |
| Assets per employee ($millions) | 5.6017% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 6,797 |
| Loan loss allowance to noncurrent loans | 391.9540% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 6,863 |
| Noncurrent loans to loans | 0.2074% | 6,461 |
| Net loans and leases to total assets | 37.1378% | 6,815 |
| Net loans and leases to deposits | 46.2151% | 6,733 |
| Net loans and leases to core deposits | 58.0115% | 6,128 |
| Total domestic deposits to total assets | 80.3586% | 5,631 |
| Equity capital to assets | 19.3691% | 290 |
| Core capital (leverage) ratio | 19.3854% | 248 |
| Tier 1 risk-based capital ratio | 31.5436% | 471 |
| Total risk-based capital ratio | 32.0960% | 489 |
| Memoranda: | ||
| Average total assets | $94,749,250 | 5,083 |
| Average earning assets | $70,407,250 | 5,570 |
| Average equity | $16,546,500 | 3,653 |
| Average total loans | $35,316,750 | 5,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 6,493 |
| Cost of funding earning assets | 1.2027% | 2,566 |
| Net interest margin | 2.8954% | 6,798 |
| Noninterest income to average assets | 0.3708% | 4,901 |
| Noninterest expense to average assets | 4.1579% | 864 |
| Loan and lease loss provision to assets | 0.0360% | 5,867 |
| Net operating income to assets | -1.5126% | 7,099 |
| Return on assets (ROA) | -1.5126% | 7,114 |
| Pretax return on assets | -1.5126% | 7,076 |
| Return on Equity (ROE) | -9.0770% | 6,905 |
| Retained earnings to average equity (ytd only) | -9.0770% | 6,831 |
| Net charge-offs to loans | -0.0665% | 7,084 |
| Credit loss provision to net charge-offs | -145.4545% | 6,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.8508% | 171 |
| Assets per employee ($millions) | 5.0204% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 6,824 |
| Loan loss allowance to noncurrent loans | 3,987.5000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,109 |
| Noncurrent loans to loans | 0.0207% | 6,945 |
| Net loans and leases to total assets | 40.1403% | 6,734 |
| Net loans and leases to deposits | 47.6931% | 6,743 |
| Net loans and leases to core deposits | 60.7328% | 6,030 |
| Total domestic deposits to total assets | 84.1636% | 4,279 |
| Equity capital to assets | 15.4904% | 702 |
| Core capital (leverage) ratio | 13.8832% | 896 |
| Tier 1 risk-based capital ratio | 22.6819% | 1,168 |
| Total risk-based capital ratio | 23.2626% | 1,225 |
| Memoranda: | ||
| Average total assets | $88,987,670 | 5,288 |
| Average earning assets | $71,009,330 | 5,596 |
| Average equity | $14,828,670 | 3,939 |
| Average total loans | $33,106,330 | 6,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7419% | 7,020 |
| Cost of funding earning assets | 1.1403% | 3,226 |
| Net interest margin | 2.6016% | 7,125 |
| Noninterest income to average assets | 0.2518% | 5,887 |
| Noninterest expense to average assets | 4.1918% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.7485% | 7,243 |
| Return on assets (ROA) | -1.7485% | 7,246 |
| Pretax return on assets | -1.7485% | 7,215 |
| Return on Equity (ROE) | -10.0976% | 7,033 |
| Retained earnings to average equity (ytd only) | -10.0976% | 6,875 |
| Net charge-offs to loans | -0.0527% | 6,903 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.0687% | 122 |
| Assets per employee ($millions) | 4.6229% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 6,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 37.9651% | 6,907 |
| Net loans and leases to deposits | 45.7579% | 6,867 |
| Net loans and leases to core deposits | 59.9163% | 6,099 |
| Total domestic deposits to total assets | 82.9694% | 4,945 |
| Equity capital to assets | 16.7551% | 470 |
| Core capital (leverage) ratio | 14.8963% | 680 |
| Tier 1 risk-based capital ratio | 25.6818% | 816 |
| Total risk-based capital ratio | 26.2971% | 854 |
| Memoranda: | ||
| Average total assets | $85,787,500 | 5,413 |
| Average earning assets | $72,263,500 | 5,596 |
| Average equity | $14,855,000 | 3,928 |
| Average total loans | $30,355,500 | 6,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 7,071 |
| Cost of funding earning assets | 1.4928% | 2,691 |
| Net interest margin | 2.5830% | 7,222 |
| Noninterest income to average assets | 1.5419% | 618 |
| Noninterest expense to average assets | 4.3420% | 772 |
| Loan and lease loss provision to assets | -0.5536% | 7,645 |
| Net operating income to assets | 0.0360% | 5,742 |
| Return on assets (ROA) | 0.0900% | 5,750 |
| Pretax return on assets | 0.0900% | 5,723 |
| Return on Equity (ROE) | 0.4380% | 5,842 |
| Retained earnings to average equity (ytd only) | 0.4380% | 5,357 |
| Net charge-offs to loans | 0.9393% | 2,303 |
| Credit loss provision to net charge-offs | -168.7764% | 7,050 |
| Earnings coverage of net charge-offs (x) | -1.5781% | 6,682 |
| Efficiency ratio | 105.5737% | 633 |
| Assets per employee ($millions) | 4.6522% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 6,047 |
| Loan loss allowance to noncurrent loans | 1,616.6667% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 7,190 |
| Noncurrent loans to loans | 0.0665% | 6,958 |
| Net loans and leases to total assets | 31.9767% | 7,288 |
| Net loans and leases to deposits | 39.0569% | 7,283 |
| Net loans and leases to core deposits | 61.3321% | 6,292 |
| Total domestic deposits to total assets | 81.8722% | 5,227 |
| Equity capital to assets | 17.9044% | 380 |
| Core capital (leverage) ratio | 16.3224% | 472 |
| Tier 1 risk-based capital ratio | 29.5116% | 529 |
| Total risk-based capital ratio | 30.1913% | 539 |
| Memoranda: | ||
| Average total assets | $72,248,400 | 5,805 |
| Average earning assets | $63,840,600 | 5,862 |
| Average equity | $14,839,600 | 3,967 |
| Average total loans | $25,230,800 | 6,660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 7,114 |
| Cost of funding earning assets | 1.5846% | 2,475 |
| Net interest margin | 2.5993% | 7,315 |
| Noninterest income to average assets | 1.9449% | 392 |
| Noninterest expense to average assets | 4.3761% | 678 |
| Loan and lease loss provision to assets | -0.7687% | 7,755 |
| Net operating income to assets | 0.6957% | 3,434 |
| Return on assets (ROA) | 0.7707% | 3,284 |
| Pretax return on assets | 0.7707% | 4,007 |
| Return on Equity (ROE) | 3.6122% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.6122% | 3,906 |
| Net charge-offs to loans | 1.0980% | 1,852 |
| Credit loss provision to net charge-offs | -196.0784% | 6,945 |
| Earnings coverage of net charge-offs (x) | -0.1863% | 6,169 |
| Efficiency ratio | 94.3278% | 987 |
| Assets per employee ($millions) | 4.1815% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,536 |
| Loan loss allowance to noncurrent loans | 531.1475% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 7,132 |
| Noncurrent loans to loans | 0.2612% | 6,662 |
| Net loans and leases to total assets | 32.3950% | 7,397 |
| Net loans and leases to deposits | 41.4374% | 7,321 |
| Net loans and leases to core deposits | 66.8001% | 6,053 |
| Total domestic deposits to total assets | 78.1782% | 6,222 |
| Equity capital to assets | 21.3153% | 215 |
| Core capital (leverage) ratio | 18.6963% | 315 |
| Tier 1 risk-based capital ratio | 34.7128% | 357 |
| Total risk-based capital ratio | 35.6020% | 361 |
| Memoranda: | ||
| Average total assets | $69,375,750 | 5,960 |
| Average earning assets | $62,939,000 | 5,959 |
| Average equity | $14,801,250 | 4,031 |
| Average total loans | $24,771,500 | 6,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 7,219 |
| Cost of funding earning assets | 1.5785% | 2,782 |
| Net interest margin | 2.5806% | 7,366 |
| Noninterest income to average assets | 1.6946% | 455 |
| Noninterest expense to average assets | 4.1653% | 849 |
| Loan and lease loss provision to assets | -1.1627% | 7,827 |
| Net operating income to assets | 1.0348% | 2,064 |
| Return on assets (ROA) | 1.0842% | 1,979 |
| Pretax return on assets | 1.0842% | 2,831 |
| Return on Equity (ROE) | 5.0802% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.0802% | 2,861 |
| Net charge-offs to loans | 0.1030% | 5,118 |
| Credit loss provision to net charge-offs | -3,076.9231% | 7,008 |
| Earnings coverage of net charge-offs (x) | -3.3846% | 6,270 |
| Efficiency ratio | 95.2484% | 997 |
| Assets per employee ($millions) | 4.8610% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,480 |
| Loan loss allowance to noncurrent loans | 2,340.9091% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,324 |
| Noncurrent loans to loans | 0.0802% | 7,108 |
| Net loans and leases to total assets | 36.9087% | 7,327 |
| Net loans and leases to deposits | 50.2709% | 7,056 |
| Net loans and leases to core deposits | 83.3550% | 4,233 |
| Total domestic deposits to total assets | 73.4197% | 7,050 |
| Equity capital to assets | 20.5609% | 257 |
| Core capital (leverage) ratio | 18.6478% | 316 |
| Tier 1 risk-based capital ratio | 30.8982% | 462 |
| Total risk-based capital ratio | 32.1478% | 461 |
| Memoranda: | ||
| Average total assets | $68,806,000 | 6,009 |
| Average earning assets | $62,466,330 | 6,004 |
| Average equity | $14,684,330 | 4,054 |
| Average total loans | $25,244,670 | 6,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 6,548 |
| Cost of funding earning assets | 1.5857% | 3,041 |
| Net interest margin | 3.0202% | 6,783 |
| Noninterest income to average assets | 0.6652% | 2,851 |
| Noninterest expense to average assets | 4.2546% | 761 |
| Loan and lease loss provision to assets | -1.1985% | 7,921 |
| Net operating income to assets | 0.3595% | 5,024 |
| Return on assets (ROA) | 0.3595% | 5,153 |
| Pretax return on assets | 0.3595% | 5,416 |
| Return on Equity (ROE) | 1.6517% | 5,902 |
| Retained earnings to average equity (ytd only) | 1.6517% | 5,110 |
| Net charge-offs to loans | 0.2484% | 3,455 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,436 |
| Earnings coverage of net charge-offs (x) | -9.3333% | 5,558 |
| Efficiency ratio | 114.9123% | 517 |
| Assets per employee ($millions) | 4.4974% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 863 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 7,412 |
| Noncurrent loans to loans | 0.0950% | 7,158 |
| Net loans and leases to total assets | 34.8453% | 7,471 |
| Net loans and leases to deposits | 44.6910% | 7,377 |
| Net loans and leases to core deposits | 73.6596% | 5,526 |
| Total domestic deposits to total assets | 77.9695% | 6,321 |
| Equity capital to assets | 21.6703% | 221 |
| Core capital (leverage) ratio | 19.0387% | 307 |
| Tier 1 risk-based capital ratio | 30.8051% | 484 |
| Total risk-based capital ratio | 32.0629% | 475 |
| Memoranda: | ||
| Average total assets | $66,751,500 | 6,145 |
| Average earning assets | $60,791,500 | 6,140 |
| Average equity | $14,530,500 | 4,112 |
| Average total loans | $24,153,500 | 6,933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 6,078 |
| Cost of funding earning assets | 1.4730% | 5,621 |
| Net interest margin | 3.6293% | 4,436 |
| Noninterest income to average assets | 0.6001% | 3,631 |
| Noninterest expense to average assets | 3.5813% | 2,195 |
| Loan and lease loss provision to assets | -0.1006% | 7,985 |
| Net operating income to assets | 0.4444% | 3,952 |
| Return on assets (ROA) | 0.4817% | 3,902 |
| Pretax return on assets | 0.4817% | 4,245 |
| Return on Equity (ROE) | 2.1167% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.1167% | 3,628 |
| Net charge-offs to loans | 2.1977% | 1,089 |
| Credit loss provision to net charge-offs | -10.4730% | 7,353 |
| Earnings coverage of net charge-offs (x) | 0.3581% | 5,757 |
| Efficiency ratio | 82.1488% | 2,576 |
| Assets per employee ($millions) | 4.4028% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8527% | 395 |
| Loan loss allowance to noncurrent loans | 480.8290% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 6,716 |
| Noncurrent loans to loans | 0.8013% | 5,681 |
| Net loans and leases to total assets | 35.0671% | 7,559 |
| Net loans and leases to deposits | 45.0775% | 7,478 |
| Net loans and leases to core deposits | 67.6550% | 6,900 |
| Total domestic deposits to total assets | 77.7929% | 6,274 |
| Equity capital to assets | 21.8679% | 227 |
| Core capital (leverage) ratio | 19.3922% | 310 |
| Tier 1 risk-based capital ratio | 29.5042% | 553 |
| Total risk-based capital ratio | 30.7671% | 535 |
| Memoranda: | ||
| Average total assets | $61,654,200 | 6,284 |
| Average earning assets | $56,484,600 | 6,274 |
| Average equity | $14,031,600 | 4,243 |
| Average total loans | $26,937,800 | 6,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 5,893 |
| Cost of funding earning assets | 1.5022% | 5,814 |
| Net interest margin | 3.6946% | 4,101 |
| Noninterest income to average assets | 0.5328% | 4,213 |
| Noninterest expense to average assets | 3.4677% | 2,362 |
| Loan and lease loss provision to assets | 0.4007% | 3,912 |
| Net operating income to assets | 0.0705% | 5,556 |
| Return on assets (ROA) | 0.1321% | 5,436 |
| Pretax return on assets | 0.1321% | 5,456 |
| Return on Equity (ROE) | 0.5743% | 5,626 |
| Retained earnings to average equity (ytd only) | 0.5743% | 4,965 |
| Net charge-offs to loans | 1.4514% | 1,423 |
| Credit loss provision to net charge-offs | 60.4651% | 6,161 |
| Earnings coverage of net charge-offs (x) | 0.7110% | 5,328 |
| Efficiency ratio | 78.8150% | 3,029 |
| Assets per employee ($millions) | 5.4896% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3305% | 114 |
| Loan loss allowance to noncurrent loans | 78.2772% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 2.4319% | 2,833 |
| Noncurrent loans to loans | 6.8097% | 817 |
| Net loans and leases to total assets | 33.8083% | 7,692 |
| Net loans and leases to deposits | 61.0245% | 6,748 |
| Net loans and leases to core deposits | 67.0737% | 7,112 |
| Total domestic deposits to total assets | 55.4012% | 7,931 |
| Equity capital to assets | 18.3660% | 478 |
| Core capital (leverage) ratio | 20.6132% | 279 |
| Tier 1 risk-based capital ratio | 28.3003% | 668 |
| Total risk-based capital ratio | 29.5784% | 648 |
| Memoranda: | ||
| Average total assets | $60,557,250 | 6,369 |
| Average earning assets | $55,828,250 | 6,343 |
| Average equity | $13,929,000 | 4,311 |
| Average total loans | $27,650,500 | 6,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 2,184 |
| Cost of funding earning assets | 1.6476% | 5,527 |
| Net interest margin | 4.3511% | 1,519 |
| Noninterest income to average assets | 0.4862% | 4,569 |
| Noninterest expense to average assets | 3.5048% | 2,326 |
| Loan and lease loss provision to assets | 1.6689% | 1,002 |
| Net operating income to assets | -0.7111% | 6,763 |
| Return on assets (ROA) | -0.6095% | 6,675 |
| Pretax return on assets | -0.6095% | 6,534 |
| Return on Equity (ROE) | -2.4230% | 6,287 |
| Retained earnings to average equity (ytd only) | -2.4230% | 5,844 |
| Net charge-offs to loans | 2.0131% | 918 |
| Credit loss provision to net charge-offs | 164.8746% | 2,780 |
| Earnings coverage of net charge-offs (x) | 0.9462% | 4,822 |
| Efficiency ratio | 69.5935% | 4,864 |
| Assets per employee ($millions) | 4.7008% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2465% | 72 |
| Loan loss allowance to noncurrent loans | 1,102.5000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 6,766 |
| Noncurrent loans to loans | 0.5666% | 6,133 |
| Net loans and leases to total assets | 46.9358% | 7,131 |
| Net loans and leases to deposits | 62.5009% | 6,701 |
| Net loans and leases to core deposits | 68.7117% | 7,089 |
| Total domestic deposits to total assets | 75.0962% | 6,745 |
| Equity capital to assets | 24.4163% | 216 |
| Core capital (leverage) ratio | 21.5282% | 292 |
| Tier 1 risk-based capital ratio | 34.6843% | 427 |
| Total risk-based capital ratio | 35.9825% | 420 |
| Memoranda: | ||
| Average total assets | $55,125,000 | 6,634 |
| Average earning assets | $50,377,670 | 6,614 |
| Average equity | $13,867,000 | 4,337 |
| Average total loans | $27,718,670 | 6,863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0767% | 2,037 |
| Cost of funding earning assets | 1.6844% | 5,664 |
| Net interest margin | 4.3923% | 1,363 |
| Noninterest income to average assets | 0.3451% | 5,690 |
| Noninterest expense to average assets | 3.5975% | 1,872 |
| Loan and lease loss provision to assets | 0.9838% | 1,318 |
| Net operating income to assets | -0.2349% | 6,602 |
| Return on assets (ROA) | -0.2349% | 6,679 |
| Pretax return on assets | -0.2349% | 6,611 |
| Return on Equity (ROE) | -0.9199% | 6,528 |
| Retained earnings to average equity (ytd only) | -0.9199% | 5,869 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4797% | 3,918 |
| Assets per employee ($millions) | 4.5779% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1455% | 61 |
| Loan loss allowance to noncurrent loans | 5,047.0588% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 7,165 |
| Noncurrent loans to loans | 0.1218% | 7,173 |
| Net loans and leases to total assets | 47.7055% | 7,049 |
| Net loans and leases to deposits | 64.3748% | 6,520 |
| Net loans and leases to core deposits | 66.6201% | 7,214 |
| Total domestic deposits to total assets | 74.1058% | 6,871 |
| Equity capital to assets | 25.3572% | 219 |
| Core capital (leverage) ratio | 21.8569% | 312 |
| Tier 1 risk-based capital ratio | 34.4210% | 457 |
| Total risk-based capital ratio | 35.7184% | 443 |
| Memoranda: | ||
| Average total assets | $54,483,000 | 6,692 |
| Average earning assets | $49,632,500 | 6,676 |
| Average equity | $13,914,000 | 4,351 |
| Average total loans | $27,458,000 | 6,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 7,611 |
| Cost of funding earning assets | 1.1056% | 8,002 |
| Net interest margin | 4.1827% | 2,381 |
| Noninterest income to average assets | 0.6023% | 3,831 |
| Noninterest expense to average assets | 5.2453% | 562 |
| Loan and lease loss provision to assets | 4.9598% | 108 |
| Net operating income to assets | -5.9458% | 8,150 |
| Return on assets (ROA) | -7.2957% | 8,201 |
| Pretax return on assets | -7.4136% | 8,178 |
| Return on Equity (ROE) | -27.7556% | 7,913 |
| Retained earnings to average equity (ytd only) | -27.7556% | 7,863 |
| Net charge-offs to loans | 3.5567% | 220 |
| Credit loss provision to net charge-offs | 447.7541% | 981 |
| Earnings coverage of net charge-offs (x) | -0.9716% | 6,587 |
| Efficiency ratio | 111.9975% | 674 |
| Assets per employee ($millions) | 4.1562% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8608% | 61 |
| Loan loss allowance to noncurrent loans | 1,614.2857% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 6,837 |
| Noncurrent loans to loans | 0.3631% | 6,277 |
| Net loans and leases to total assets | 47.0304% | 7,252 |
| Net loans and leases to deposits | 63.7682% | 6,821 |
| Net loans and leases to core deposits | 65.3289% | 7,386 |
| Total domestic deposits to total assets | 73.7521% | 6,694 |
| Equity capital to assets | 25.7223% | 250 |
| Core capital (leverage) ratio | 22.9421% | 312 |
| Tier 1 risk-based capital ratio | 34.8744% | 449 |
| Total risk-based capital ratio | 36.1670% | 434 |
| Memoranda: | ||
| Average total assets | $38,186,800 | 7,296 |
| Average earning assets | $32,562,800 | 7,384 |
| Average equity | $10,037,600 | 5,398 |
| Average total loans | $11,893,200 | 7,836 |