Home > Alliance Bank & Trust Company > Performance and Condition Ratios
Alliance Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9217% | 702 |
| Cost of funding earning assets | 1.1082% | 3,048 |
| Net interest margin | 4.8134% | 410 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.6552% | 1,858 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.6188% | 840 |
| Return on assets (ROA) | 1.6188% | 807 |
| Pretax return on assets | 2.1028% | 565 |
| Return on Equity (ROE) | 19.2400% | 686 |
| Retained earnings to average equity (ytd only) | 19.2356% | 147 |
| Net charge-offs to loans | -0.0340% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.9916% | 3,601 |
| Assets per employee ($millions) | 7.3182% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,014 |
| Loan loss allowance to noncurrent loans | 427.6423% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 2,044 |
| Noncurrent loans to loans | 0.2923% | 2,129 |
| Net loans and leases to total assets | 78.8600% | 776 |
| Net loans and leases to deposits | 86.6570% | 1,563 |
| Net loans and leases to core deposits | 90.1860% | 2,037 |
| Total domestic deposits to total assets | 91.0100% | 502 |
| Equity capital to assets | 8.6113% | 2,964 |
| Core capital (leverage) ratio | 9.0570% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0921% | 2,557 |
| Memoranda: | ||
| Average total assets | $247,288,800 | 2,703 |
| Average earning assets | $237,855,400 | 2,640 |
| Average equity | $20,810,400 | 2,790 |
| Average total loans | $197,221,600 | 2,301 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7924% | 697 |
| Cost of funding earning assets | 0.9524% | 3,151 |
| Net interest margin | 4.8401% | 386 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.7127% | 1,623 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.5983% | 941 |
| Return on assets (ROA) | 1.5983% | 939 |
| Pretax return on assets | 2.0741% | 691 |
| Return on Equity (ROE) | 19.1100% | 810 |
| Retained earnings to average equity (ytd only) | 19.1134% | 295 |
| Net charge-offs to loans | -0.0261% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.9209% | 3,405 |
| Assets per employee ($millions) | 6.6517% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,105 |
| Loan loss allowance to noncurrent loans | 409.6618% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 2,026 |
| Noncurrent loans to loans | 0.3051% | 2,140 |
| Net loans and leases to total assets | 79.5200% | 700 |
| Net loans and leases to deposits | 87.2475% | 1,455 |
| Net loans and leases to core deposits | 90.2341% | 1,917 |
| Total domestic deposits to total assets | 91.1400% | 637 |
| Equity capital to assets | 8.5198% | 2,717 |
| Core capital (leverage) ratio | 9.0638% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1930% | 2,550 |
| Memoranda: | ||
| Average total assets | $243,247,000 | 2,726 |
| Average earning assets | $233,931,000 | 2,673 |
| Average equity | $20,341,250 | 2,814 |
| Average total loans | $193,926,000 | 2,329 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6507% | 687 |
| Cost of funding earning assets | 0.8257% | 3,142 |
| Net interest margin | 4.8250% | 390 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.8108% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5637% | 999 |
| Return on assets (ROA) | 1.5637% | 996 |
| Pretax return on assets | 2.0302% | 714 |
| Return on Equity (ROE) | 18.8200% | 851 |
| Retained earnings to average equity (ytd only) | 18.8233% | 296 |
| Net charge-offs to loans | -0.0388% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.0623% | 3,183 |
| Assets per employee ($millions) | 6.7935% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,247 |
| Loan loss allowance to noncurrent loans | 346.0770% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 1,774 |
| Noncurrent loans to loans | 0.3571% | 1,855 |
| Net loans and leases to total assets | 79.2700% | 704 |
| Net loans and leases to deposits | 86.9031% | 1,433 |
| Net loans and leases to core deposits | 87.8351% | 1,937 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 8.4669% | 2,888 |
| Core capital (leverage) ratio | 9.0120% | 3,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3927% | 2,508 |
| Memoranda: | ||
| Average total assets | $240,074,667 | 2,748 |
| Average earning assets | $230,837,333 | 2,699 |
| Average equity | $19,943,333 | 2,873 |
| Average total loans | $190,722,667 | 2,349 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 549 |
| Cost of funding earning assets | 0.7237% | 2,976 |
| Net interest margin | 4.8578% | 342 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.8508% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5641% | 1,050 |
| Return on assets (ROA) | 1.5641% | 1,043 |
| Pretax return on assets | 2.0267% | 739 |
| Return on Equity (ROE) | 19.0200% | 885 |
| Retained earnings to average equity (ytd only) | 19.0169% | 436 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4483% | 3,138 |
| Assets per employee ($millions) | 6.4614% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,288 |
| Loan loss allowance to noncurrent loans | 237.1032% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 1,188 |
| Noncurrent loans to loans | 0.5274% | 1,402 |
| Net loans and leases to total assets | 81.1400% | 443 |
| Net loans and leases to deposits | 89.0612% | 1,132 |
| Net loans and leases to core deposits | 89.9320% | 1,618 |
| Total domestic deposits to total assets | 91.1100% | 764 |
| Equity capital to assets | 8.5434% | 2,855 |
| Core capital (leverage) ratio | 8.6262% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3476% | 2,618 |
| Memoranda: | ||
| Average total assets | $237,829,500 | 2,807 |
| Average earning assets | $228,826,000 | 2,745 |
| Average equity | $19,561,500 | 2,926 |
| Average total loans | $187,941,500 | 2,389 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 946 |
| Cost of funding earning assets | 0.2082% | 3,694 |
| Net interest margin | 4.1567% | 600 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.7061% | 1,539 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0820% | 2,250 |
| Return on assets (ROA) | 1.0820% | 2,194 |
| Pretax return on assets | 1.4045% | 1,760 |
| Return on Equity (ROE) | 14.4500% | 1,420 |
| Retained earnings to average equity (ytd only) | 13.0583% | 503 |
| Net charge-offs to loans | -0.0777% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5145% | 2,432 |
| Assets per employee ($millions) | 6.3960% | 2,423 |
| Cash dividends to net income (ytd only)* | 9.6236% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 2,901 |
| Loan loss allowance to noncurrent loans | 278.0822% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 1,656 |
| Noncurrent loans to loans | 0.3951% | 1,733 |
| Net loans and leases to total assets | 75.1800% | 1,108 |
| Net loans and leases to deposits | 81.8045% | 1,633 |
| Net loans and leases to core deposits | 83.4275% | 1,906 |
| Total domestic deposits to total assets | 91.9000% | 667 |
| Equity capital to assets | 7.9203% | 3,107 |
| Core capital (leverage) ratio | 8.3831% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2283% | 2,667 |
| Memoranda: | ||
| Average total assets | $238,168,200 | 2,793 |
| Average earning assets | $229,532,800 | 2,738 |
| Average equity | $17,835,400 | 3,135 |
| Average total loans | $164,631,400 | 2,507 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 1,097 |
| Cost of funding earning assets | 0.1395% | 3,944 |
| Net interest margin | 3.9409% | 717 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.6700% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0162% | 2,421 |
| Return on assets (ROA) | 1.0162% | 2,393 |
| Pretax return on assets | 1.3178% | 1,987 |
| Return on Equity (ROE) | 13.7700% | 1,491 |
| Retained earnings to average equity (ytd only) | 12.4775% | 697 |
| Net charge-offs to loans | -0.0977% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.9536% | 2,160 |
| Assets per employee ($millions) | 6.5469% | 2,282 |
| Cash dividends to net income (ytd only)* | 9.4131% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 3,217 |
| Loan loss allowance to noncurrent loans | 240.2906% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,692 |
| Noncurrent loans to loans | 0.4400% | 1,706 |
| Net loans and leases to total assets | 70.2700% | 1,456 |
| Net loans and leases to deposits | 76.3855% | 1,845 |
| Net loans and leases to core deposits | 76.8483% | 2,124 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.6075% | 3,149 |
| Core capital (leverage) ratio | 8.0110% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4459% | 2,670 |
| Memoranda: | ||
| Average total assets | $236,948,500 | 2,824 |
| Average earning assets | $228,370,500 | 2,770 |
| Average equity | $17,481,750 | 3,201 |
| Average total loans | $159,603,750 | 2,550 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 1,310 |
| Cost of funding earning assets | 0.1394% | 3,718 |
| Net interest margin | 3.6628% | 972 |
| Noninterest income to average assets | 0.1803% | 4,102 |
| Noninterest expense to average assets | 2.6702% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7977% | 2,965 |
| Return on assets (ROA) | 0.7977% | 2,936 |
| Pretax return on assets | 1.0400% | 2,602 |
| Return on Equity (ROE) | 10.9284% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.7283% | 1,090 |
| Net charge-offs to loans | -0.1351% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9688% | 1,732 |
| Assets per employee ($millions) | 6.4975% | 2,319 |
| Cash dividends to net income (ytd only)* | 10.9808% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,169 |
| Loan loss allowance to noncurrent loans | 228.1566% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,682 |
| Noncurrent loans to loans | 0.4815% | 1,673 |
| Net loans and leases to total assets | 67.6680% | 1,509 |
| Net loans and leases to deposits | 73.3084% | 1,933 |
| Net loans and leases to core deposits | 74.0293% | 2,169 |
| Total domestic deposits to total assets | 92.3059% | 725 |
| Equity capital to assets | 7.5202% | 3,461 |
| Core capital (leverage) ratio | 7.9120% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9855% | 2,821 |
| Memoranda: | ||
| Average total assets | $235,186,333 | 2,859 |
| Average earning assets | $226,656,333 | 2,816 |
| Average equity | $17,166,333 | 3,306 |
| Average total loans | $155,458,000 | 2,591 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 1,420 |
| Cost of funding earning assets | 0.1410% | 3,616 |
| Net interest margin | 3.4911% | 1,106 |
| Noninterest income to average assets | 0.1634% | 4,181 |
| Noninterest expense to average assets | 2.6314% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6931% | 3,083 |
| Return on assets (ROA) | 0.6931% | 3,072 |
| Pretax return on assets | 0.8960% | 2,790 |
| Return on Equity (ROE) | 9.6469% | 2,103 |
| Retained earnings to average equity (ytd only) | 8.6894% | 1,372 |
| Net charge-offs to loans | -0.2173% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5978% | 1,675 |
| Assets per employee ($millions) | 6.9090% | 2,054 |
| Cash dividends to net income (ytd only)* | 9.9256% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,988 |
| Loan loss allowance to noncurrent loans | 182.7869% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 1,457 |
| Noncurrent loans to loans | 0.6426% | 1,468 |
| Net loans and leases to total assets | 63.8981% | 1,635 |
| Net loans and leases to deposits | 69.2335% | 2,034 |
| Net loans and leases to core deposits | 69.9283% | 2,299 |
| Total domestic deposits to total assets | 92.2935% | 476 |
| Equity capital to assets | 7.5860% | 3,867 |
| Core capital (leverage) ratio | 8.1355% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2520% | 2,836 |
| Memoranda: | ||
| Average total assets | $232,576,500 | 2,884 |
| Average earning assets | $224,112,500 | 2,841 |
| Average equity | $16,710,000 | 3,423 |
| Average total loans | $150,944,500 | 2,621 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 1,791 |
| Cost of funding earning assets | 0.2140% | 3,327 |
| Net interest margin | 3.6173% | 1,418 |
| Noninterest income to average assets | 0.1471% | 4,418 |
| Noninterest expense to average assets | 2.6763% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7516% | 3,486 |
| Return on assets (ROA) | 0.7628% | 3,510 |
| Pretax return on assets | 0.9909% | 3,284 |
| Return on Equity (ROE) | 10.7587% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.6948% | 996 |
| Net charge-offs to loans | -0.0424% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2611% | 1,393 |
| Assets per employee ($millions) | 6.5785% | 2,259 |
| Cash dividends to net income (ytd only)* | 9.8888% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 3,198 |
| Loan loss allowance to noncurrent loans | 169.5219% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,508 |
| Noncurrent loans to loans | 0.6693% | 1,495 |
| Net loans and leases to total assets | 64.4102% | 1,654 |
| Net loans and leases to deposits | 69.1591% | 2,206 |
| Net loans and leases to core deposits | 69.8592% | 2,461 |
| Total domestic deposits to total assets | 93.1334% | 44 |
| Equity capital to assets | 6.7754% | 4,755 |
| Core capital (leverage) ratio | 6.6861% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8918% | 3,055 |
| Memoranda: | ||
| Average total assets | $212,122,800 | 2,968 |
| Average earning assets | $205,593,600 | 2,910 |
| Average equity | $15,039,000 | 3,630 |
| Average total loans | $148,514,800 | 2,645 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 1,905 |
| Cost of funding earning assets | 0.2256% | 3,368 |
| Net interest margin | 3.6283% | 1,533 |
| Noninterest income to average assets | 0.1387% | 4,503 |
| Noninterest expense to average assets | 2.6307% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7934% | 3,537 |
| Return on assets (ROA) | 0.8086% | 3,578 |
| Pretax return on assets | 1.0501% | 3,322 |
| Return on Equity (ROE) | 11.2669% | 2,286 |
| Retained earnings to average equity (ytd only) | 10.1930% | 1,266 |
| Net charge-offs to loans | -0.0351% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8470% | 1,420 |
| Assets per employee ($millions) | 6.3005% | 2,422 |
| Cash dividends to net income (ytd only)* | 9.5314% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,225 |
| Loan loss allowance to noncurrent loans | 164.0900% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 1,680 |
| Noncurrent loans to loans | 0.6978% | 1,589 |
| Net loans and leases to total assets | 63.8322% | 1,792 |
| Net loans and leases to deposits | 68.5737% | 2,383 |
| Net loans and leases to core deposits | 69.2768% | 2,657 |
| Total domestic deposits to total assets | 93.0856% | 29 |
| Equity capital to assets | 6.7949% | 4,844 |
| Core capital (leverage) ratio | 6.8211% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8511% | 3,101 |
| Memoranda: | ||
| Average total assets | $207,592,000 | 3,037 |
| Average earning assets | $201,556,250 | 2,972 |
| Average equity | $14,898,750 | 3,695 |
| Average total loans | $148,142,500 | 2,690 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 1,526 |
| Cost of funding earning assets | 0.2327% | 3,445 |
| Net interest margin | 3.7865% | 1,160 |
| Noninterest income to average assets | 0.1332% | 4,535 |
| Noninterest expense to average assets | 2.6782% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8699% | 3,305 |
| Return on assets (ROA) | 0.8699% | 3,377 |
| Pretax return on assets | 1.1263% | 3,125 |
| Return on Equity (ROE) | 11.8824% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.7960% | 1,177 |
| Net charge-offs to loans | -0.0040% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3946% | 1,588 |
| Assets per employee ($millions) | 6.3395% | 2,298 |
| Cash dividends to net income (ytd only)* | 9.1429% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 3,465 |
| Loan loss allowance to noncurrent loans | 155.3977% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 1,713 |
| Noncurrent loans to loans | 0.7005% | 1,679 |
| Net loans and leases to total assets | 69.1817% | 1,303 |
| Net loans and leases to deposits | 74.6174% | 1,940 |
| Net loans and leases to core deposits | 75.4240% | 2,294 |
| Total domestic deposits to total assets | 92.7152% | 53 |
| Equity capital to assets | 7.0218% | 4,843 |
| Core capital (leverage) ratio | 7.4547% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1442% | 3,073 |
| Memoranda: | ||
| Average total assets | $201,183,333 | 3,092 |
| Average earning assets | $195,059,667 | 3,022 |
| Average equity | $14,727,667 | 3,710 |
| Average total loans | $148,703,333 | 2,698 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 2,359 |
| Cost of funding earning assets | 0.2596% | 3,381 |
| Net interest margin | 3.4405% | 1,991 |
| Noninterest income to average assets | 0.1278% | 4,561 |
| Noninterest expense to average assets | 2.7752% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5278% | 4,121 |
| Return on assets (ROA) | 0.5278% | 4,160 |
| Pretax return on assets | 0.6866% | 4,044 |
| Return on Equity (ROE) | 7.0504% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.9488% | 2,918 |
| Net charge-offs to loans | -0.0163% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1668% | 813 |
| Assets per employee ($millions) | 5.9809% | 2,616 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,482 |
| Loan loss allowance to noncurrent loans | 150.2283% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 1,762 |
| Noncurrent loans to loans | 0.7263% | 1,787 |
| Net loans and leases to total assets | 73.3358% | 870 |
| Net loans and leases to deposits | 79.1753% | 1,598 |
| Net loans and leases to core deposits | 80.0813% | 1,995 |
| Total domestic deposits to total assets | 92.6246% | 63 |
| Equity capital to assets | 7.1713% | 4,804 |
| Core capital (leverage) ratio | 7.4973% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4379% | 3,020 |
| Memoranda: | ||
| Average total assets | $194,003,000 | 3,133 |
| Average earning assets | $187,998,500 | 3,071 |
| Average equity | $14,524,000 | 3,742 |
| Average total loans | $147,676,000 | 2,720 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 1,492 |
| Cost of funding earning assets | 0.3839% | 3,682 |
| Net interest margin | 4.0483% | 881 |
| Noninterest income to average assets | 0.1344% | 4,612 |
| Noninterest expense to average assets | 3.0888% | 1,253 |
| Loan and lease loss provision to assets | 0.1745% | 2,206 |
| Net operating income to assets | 0.5981% | 3,762 |
| Return on assets (ROA) | 0.6358% | 3,758 |
| Pretax return on assets | 0.8260% | 3,563 |
| Return on Equity (ROE) | 7.8155% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.6714% | 1,524 |
| Net charge-offs to loans | -0.1398% | 4,858 |
| Credit loss provision to net charge-offs | -168.5393% | 3,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4249% | 1,177 |
| Assets per employee ($millions) | 5.4306% | 2,919 |
| Cash dividends to net income (ytd only)* | 14.6386% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,295 |
| Loan loss allowance to noncurrent loans | 144.1901% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 1,713 |
| Noncurrent loans to loans | 0.7857% | 1,764 |
| Net loans and leases to total assets | 77.4147% | 656 |
| Net loans and leases to deposits | 84.1928% | 1,436 |
| Net loans and leases to core deposits | 85.0231% | 1,953 |
| Total domestic deposits to total assets | 91.9493% | 78 |
| Equity capital to assets | 7.8270% | 4,766 |
| Core capital (leverage) ratio | 7.6304% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8041% | 2,966 |
| Memoranda: | ||
| Average total assets | $171,912,400 | 3,179 |
| Average earning assets | $165,923,000 | 3,112 |
| Average equity | $13,985,000 | 3,759 |
| Average total loans | $127,283,400 | 2,896 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 1,403 |
| Cost of funding earning assets | 0.4211% | 3,696 |
| Net interest margin | 4.1464% | 814 |
| Noninterest income to average assets | 0.1430% | 4,590 |
| Noninterest expense to average assets | 3.0984% | 1,242 |
| Loan and lease loss provision to assets | 0.1974% | 2,007 |
| Net operating income to assets | 0.6608% | 3,595 |
| Return on assets (ROA) | 0.7120% | 3,523 |
| Pretax return on assets | 0.9111% | 3,350 |
| Return on Equity (ROE) | 8.6623% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.5086% | 1,492 |
| Net charge-offs to loans | -0.1388% | 4,880 |
| Credit loss provision to net charge-offs | -195.3125% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7997% | 1,326 |
| Assets per employee ($millions) | 5.3027% | 2,890 |
| Cash dividends to net income (ytd only)* | 13.3185% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,115 |
| Loan loss allowance to noncurrent loans | 112.3358% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 1,524 |
| Noncurrent loans to loans | 0.9942% | 1,509 |
| Net loans and leases to total assets | 75.5786% | 1,148 |
| Net loans and leases to deposits | 82.2735% | 2,065 |
| Net loans and leases to core deposits | 83.1029% | 2,574 |
| Total domestic deposits to total assets | 91.8627% | 64 |
| Equity capital to assets | 7.9537% | 4,730 |
| Core capital (leverage) ratio | 7.9927% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5003% | 3,031 |
| Memoranda: | ||
| Average total assets | $168,730,000 | 3,191 |
| Average earning assets | $162,741,250 | 3,127 |
| Average equity | $13,868,250 | 3,774 |
| Average total loans | $122,959,750 | 2,959 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 965 |
| Cost of funding earning assets | 0.5006% | 3,529 |
| Net interest margin | 4.4050% | 609 |
| Noninterest income to average assets | 0.1456% | 4,576 |
| Noninterest expense to average assets | 3.1296% | 1,285 |
| Loan and lease loss provision to assets | 0.3033% | 1,421 |
| Net operating income to assets | 0.7732% | 3,145 |
| Return on assets (ROA) | 0.8528% | 2,973 |
| Pretax return on assets | 1.0602% | 2,835 |
| Return on Equity (ROE) | 10.2545% | 1,905 |
| Retained earnings to average equity (ytd only) | 9.0876% | 982 |
| Net charge-offs to loans | -0.0610% | 4,731 |
| Credit loss provision to net charge-offs | -694.4444% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2314% | 1,794 |
| Assets per employee ($millions) | 5.4006% | 2,735 |
| Cash dividends to net income (ytd only)* | 11.3798% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,219 |
| Loan loss allowance to noncurrent loans | 132.9963% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 1,975 |
| Noncurrent loans to loans | 0.8065% | 1,883 |
| Net loans and leases to total assets | 74.8840% | 1,290 |
| Net loans and leases to deposits | 81.5116% | 2,258 |
| Net loans and leases to core deposits | 83.7332% | 2,632 |
| Total domestic deposits to total assets | 91.8691% | 57 |
| Equity capital to assets | 7.9592% | 4,738 |
| Core capital (leverage) ratio | 7.8963% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4500% | 2,838 |
| Memoranda: | ||
| Average total assets | $164,875,667 | 3,202 |
| Average earning assets | $159,001,333 | 3,143 |
| Average equity | $13,711,000 | 3,803 |
| Average total loans | $118,012,333 | 3,004 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 2,531 |
| Cost of funding earning assets | 0.6299% | 3,273 |
| Net interest margin | 3.7928% | 2,011 |
| Noninterest income to average assets | 0.1618% | 4,564 |
| Noninterest expense to average assets | 3.2313% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4456% | 4,032 |
| Return on assets (ROA) | 0.6093% | 3,631 |
| Pretax return on assets | 0.7914% | 3,433 |
| Return on Equity (ROE) | 7.1545% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.9670% | 1,889 |
| Net charge-offs to loans | -0.0256% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6918% | 786 |
| Assets per employee ($millions) | 4.9697% | 2,682 |
| Cash dividends to net income (ytd only)* | 16.5975% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,522 |
| Loan loss allowance to noncurrent loans | 105.1305% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 1,915 |
| Noncurrent loans to loans | 0.9838% | 1,680 |
| Net loans and leases to total assets | 70.2752% | 2,203 |
| Net loans and leases to deposits | 76.9948% | 2,981 |
| Net loans and leases to core deposits | 79.6502% | 3,230 |
| Total domestic deposits to total assets | 91.2727% | 82 |
| Equity capital to assets | 8.5840% | 4,797 |
| Core capital (leverage) ratio | 8.4812% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9295% | 3,124 |
| Memoranda: | ||
| Average total assets | $158,203,000 | 3,230 |
| Average earning assets | $152,395,500 | 3,168 |
| Average equity | $13,474,000 | 3,836 |
| Average total loans | $109,565,500 | 3,084 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 1,598 |
| Cost of funding earning assets | 0.6096% | 3,599 |
| Net interest margin | 4.3468% | 990 |
| Noninterest income to average assets | 0.2064% | 4,423 |
| Noninterest expense to average assets | 3.3609% | 1,181 |
| Loan and lease loss provision to assets | 0.0852% | 2,299 |
| Net operating income to assets | 0.7113% | 3,837 |
| Return on assets (ROA) | 0.7113% | 3,895 |
| Pretax return on assets | 0.9239% | 3,669 |
| Return on Equity (ROE) | 8.1930% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.2513% | 1,277 |
| Net charge-offs to loans | 0.2646% | 783 |
| Credit loss provision to net charge-offs | 45.9559% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.4449% | 3,085 |
| Efficiency ratio | 76.9099% | 1,273 |
| Assets per employee ($millions) | 4.9180% | 2,689 |
| Cash dividends to net income (ytd only)* | 11.4943% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 2,991 |
| Loan loss allowance to noncurrent loans | 102.1108% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 1,795 |
| Noncurrent loans to loans | 1.0706% | 1,415 |
| Net loans and leases to total assets | 66.7467% | 2,868 |
| Net loans and leases to deposits | 73.2683% | 3,415 |
| Net loans and leases to core deposits | 76.5086% | 3,541 |
| Total domestic deposits to total assets | 91.0991% | 107 |
| Equity capital to assets | 8.4491% | 4,930 |
| Core capital (leverage) ratio | 8.4026% | 4,892 |
| Tier 1 risk-based capital ratio | 11.1750% | 4,789 |
| Total risk-based capital ratio | 12.1801% | 4,789 |
| Memoranda: | ||
| Average total assets | $146,776,800 | 3,336 |
| Average earning assets | $140,585,800 | 3,269 |
| Average equity | $12,742,600 | 3,910 |
| Average total loans | $102,787,000 | 3,191 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,564 |
| Cost of funding earning assets | 0.5753% | 3,797 |
| Net interest margin | 4.4170% | 916 |
| Noninterest income to average assets | 0.2035% | 4,501 |
| Noninterest expense to average assets | 3.3386% | 1,198 |
| Loan and lease loss provision to assets | 0.1156% | 1,685 |
| Net operating income to assets | 0.7512% | 3,845 |
| Return on assets (ROA) | 0.7512% | 3,908 |
| Pretax return on assets | 0.9750% | 3,663 |
| Return on Equity (ROE) | 8.5897% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.7434% | 1,519 |
| Net charge-offs to loans | 0.4643% | 364 |
| Credit loss provision to net charge-offs | 35.2113% | 2,884 |
| Earnings coverage of net charge-offs (x) | 3.3211% | 3,110 |
| Efficiency ratio | 75.3759% | 1,402 |
| Assets per employee ($millions) | 4.7033% | 2,917 |
| Cash dividends to net income (ytd only)* | 9.8518% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,478 |
| Loan loss allowance to noncurrent loans | 92.4528% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 1,448 |
| Noncurrent loans to loans | 1.0994% | 1,446 |
| Net loans and leases to total assets | 69.7550% | 2,507 |
| Net loans and leases to deposits | 76.5524% | 3,245 |
| Net loans and leases to core deposits | 80.0806% | 3,386 |
| Total domestic deposits to total assets | 91.1205% | 87 |
| Equity capital to assets | 8.7160% | 4,916 |
| Core capital (leverage) ratio | 8.6971% | 4,842 |
| Tier 1 risk-based capital ratio | 11.2227% | 4,812 |
| Total risk-based capital ratio | 12.1780% | 4,823 |
| Memoranda: | ||
| Average total assets | $144,126,750 | 3,412 |
| Average earning assets | $137,888,750 | 3,344 |
| Average equity | $12,604,000 | 3,963 |
| Average total loans | $101,932,500 | 3,236 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 1,326 |
| Cost of funding earning assets | 0.5300% | 3,987 |
| Net interest margin | 4.5284% | 718 |
| Noninterest income to average assets | 0.2113% | 4,475 |
| Noninterest expense to average assets | 3.3788% | 1,140 |
| Loan and lease loss provision to assets | 0.1761% | 1,021 |
| Net operating income to assets | 0.7620% | 3,783 |
| Return on assets (ROA) | 0.7620% | 3,848 |
| Pretax return on assets | 0.9887% | 3,588 |
| Return on Equity (ROE) | 8.7029% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.0594% | 1,366 |
| Net charge-offs to loans | 0.7240% | 202 |
| Credit loss provision to net charge-offs | 34.3407% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.2720% | 2,953 |
| Efficiency ratio | 74.3645% | 1,598 |
| Assets per employee ($millions) | 4.6337% | 2,956 |
| Cash dividends to net income (ytd only)* | 7.3937% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,409 |
| Loan loss allowance to noncurrent loans | 89.0092% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 1,391 |
| Noncurrent loans to loans | 1.1645% | 1,390 |
| Net loans and leases to total assets | 71.0520% | 2,370 |
| Net loans and leases to deposits | 78.1641% | 3,139 |
| Net loans and leases to core deposits | 79.8957% | 3,431 |
| Total domestic deposits to total assets | 90.9011% | 117 |
| Equity capital to assets | 8.9645% | 4,815 |
| Core capital (leverage) ratio | 8.8987% | 4,715 |
| Tier 1 risk-based capital ratio | 11.2982% | 4,787 |
| Total risk-based capital ratio | 12.2762% | 4,815 |
| Memoranda: | ||
| Average total assets | $142,001,000 | 3,467 |
| Average earning assets | $135,854,000 | 3,396 |
| Average equity | $12,432,670 | 3,991 |
| Average total loans | $100,556,000 | 3,281 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 828 |
| Cost of funding earning assets | 0.4748% | 4,184 |
| Net interest margin | 4.7717% | 431 |
| Noninterest income to average assets | 0.2040% | 4,528 |
| Noninterest expense to average assets | 3.3348% | 1,218 |
| Loan and lease loss provision to assets | 0.3542% | 333 |
| Net operating income to assets | 0.8245% | 3,533 |
| Return on assets (ROA) | 0.8245% | 3,575 |
| Pretax return on assets | 1.0710% | 3,236 |
| Return on Equity (ROE) | 9.5328% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.5328% | 1,152 |
| Net charge-offs to loans | -0.0282% | 4,621 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0595% | 2,329 |
| Assets per employee ($millions) | 4.3447% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,572 |
| Loan loss allowance to noncurrent loans | 80.0445% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 1,012 |
| Noncurrent loans to loans | 1.7868% | 867 |
| Net loans and leases to total assets | 71.3839% | 2,275 |
| Net loans and leases to deposits | 78.4756% | 3,010 |
| Net loans and leases to core deposits | 80.0725% | 3,368 |
| Total domestic deposits to total assets | 90.9631% | 180 |
| Equity capital to assets | 8.9506% | 4,717 |
| Core capital (leverage) ratio | 8.7255% | 4,848 |
| Tier 1 risk-based capital ratio | 11.2522% | 4,861 |
| Total risk-based capital ratio | 12.5037% | 4,774 |
| Memoranda: | ||
| Average total assets | $141,179,500 | 3,518 |
| Average earning assets | $134,796,000 | 3,445 |
| Average equity | $12,210,500 | 4,035 |
| Average total loans | $99,268,500 | 3,335 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 2,478 |
| Cost of funding earning assets | 0.4373% | 3,755 |
| Net interest margin | 4.0564% | 1,801 |
| Noninterest income to average assets | 0.1883% | 4,778 |
| Noninterest expense to average assets | 3.4490% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7277% | 4,045 |
| Return on assets (ROA) | 0.7277% | 4,052 |
| Pretax return on assets | 0.6105% | 4,615 |
| Return on Equity (ROE) | 9.3137% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.3137% | 781 |
| Net charge-offs to loans | 0.0481% | 2,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 18.4375% | 2,134 |
| Efficiency ratio | 84.9618% | 584 |
| Assets per employee ($millions) | 4.6235% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 1,886 |
| Loan loss allowance to noncurrent loans | 68.4458% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3333% | 949 |
| Noncurrent loans to loans | 1.9529% | 696 |
| Net loans and leases to total assets | 67.3583% | 2,956 |
| Net loans and leases to deposits | 73.5994% | 3,536 |
| Net loans and leases to core deposits | 75.1912% | 3,774 |
| Total domestic deposits to total assets | 91.5202% | 116 |
| Equity capital to assets | 8.3563% | 5,013 |
| Core capital (leverage) ratio | 7.9040% | 5,268 |
| Tier 1 risk-based capital ratio | 11.2333% | 4,843 |
| Total risk-based capital ratio | 12.4846% | 4,767 |
| Memoranda: | ||
| Average total assets | $144,971,600 | 3,446 |
| Average earning assets | $138,349,000 | 3,381 |
| Average equity | $11,327,400 | 4,114 |
| Average total loans | $99,860,200 | 3,292 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 2,499 |
| Cost of funding earning assets | 0.4314% | 3,655 |
| Net interest margin | 4.0096% | 1,928 |
| Noninterest income to average assets | 0.1880% | 4,848 |
| Noninterest expense to average assets | 3.3584% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6566% | 4,345 |
| Return on assets (ROA) | 0.6566% | 4,363 |
| Pretax return on assets | 0.6566% | 4,629 |
| Return on Equity (ROE) | 8.5503% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.5503% | 1,395 |
| Net charge-offs to loans | 0.0306% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 31.1262% | 1,573 |
| Efficiency ratio | 83.6455% | 668 |
| Assets per employee ($millions) | 4.8706% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,902 |
| Loan loss allowance to noncurrent loans | 66.7501% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3226% | 1,021 |
| Noncurrent loans to loans | 2.0134% | 727 |
| Net loans and leases to total assets | 64.8069% | 3,329 |
| Net loans and leases to deposits | 70.1403% | 3,908 |
| Net loans and leases to core deposits | 71.8422% | 4,092 |
| Total domestic deposits to total assets | 92.3962% | 61 |
| Equity capital to assets | 7.5435% | 5,301 |
| Core capital (leverage) ratio | 7.6815% | 5,373 |
| Tier 1 risk-based capital ratio | 11.1973% | 4,944 |
| Total risk-based capital ratio | 12.4484% | 4,847 |
| Memoranda: | ||
| Average total assets | $145,382,250 | 3,476 |
| Average earning assets | $138,763,000 | 3,412 |
| Average equity | $11,165,000 | 4,180 |
| Average total loans | $100,362,250 | 3,319 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,576 |
| Cost of funding earning assets | 0.4214% | 3,560 |
| Net interest margin | 3.9314% | 2,100 |
| Noninterest income to average assets | 0.1979% | 4,833 |
| Noninterest expense to average assets | 3.3669% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5881% | 4,532 |
| Return on assets (ROA) | 0.5881% | 4,532 |
| Pretax return on assets | 0.5881% | 4,754 |
| Return on Equity (ROE) | 7.6105% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.6105% | 1,791 |
| Net charge-offs to loans | -0.1429% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1304% | 619 |
| Assets per employee ($millions) | 4.5777% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,633 |
| Loan loss allowance to noncurrent loans | 72.4873% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 1,042 |
| Noncurrent loans to loans | 1.9761% | 763 |
| Net loans and leases to total assets | 67.0797% | 3,001 |
| Net loans and leases to deposits | 72.6905% | 3,661 |
| Net loans and leases to core deposits | 74.1658% | 3,872 |
| Total domestic deposits to total assets | 92.2812% | 65 |
| Equity capital to assets | 7.6526% | 5,332 |
| Core capital (leverage) ratio | 8.0032% | 5,345 |
| Tier 1 risk-based capital ratio | 10.6621% | 5,205 |
| Total risk-based capital ratio | 11.9132% | 5,102 |
| Memoranda: | ||
| Average total assets | $143,513,000 | 3,518 |
| Average earning assets | $137,151,000 | 3,454 |
| Average equity | $11,090,000 | 4,219 |
| Average total loans | $100,754,670 | 3,324 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,530 |
| Cost of funding earning assets | 0.4305% | 3,366 |
| Net interest margin | 3.8659% | 2,171 |
| Noninterest income to average assets | 0.2169% | 4,706 |
| Noninterest expense to average assets | 3.3684% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5407% | 4,604 |
| Return on assets (ROA) | 0.5407% | 4,608 |
| Pretax return on assets | 0.5407% | 4,810 |
| Return on Equity (ROE) | 6.9628% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.9628% | 2,294 |
| Net charge-offs to loans | -0.2488% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1671% | 634 |
| Assets per employee ($millions) | 4.5665% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,862 |
| Loan loss allowance to noncurrent loans | 61.1902% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.6382% | 821 |
| Noncurrent loans to loans | 2.2797% | 635 |
| Net loans and leases to total assets | 70.8550% | 2,352 |
| Net loans and leases to deposits | 76.9360% | 3,120 |
| Net loans and leases to core deposits | 78.7073% | 3,434 |
| Total domestic deposits to total assets | 92.0960% | 97 |
| Equity capital to assets | 7.8016% | 5,328 |
| Core capital (leverage) ratio | 7.8431% | 5,432 |
| Tier 1 risk-based capital ratio | 10.6615% | 5,296 |
| Total risk-based capital ratio | 11.9134% | 5,195 |
| Memoranda: | ||
| Average total assets | $142,026,000 | 3,576 |
| Average earning assets | $135,648,000 | 3,512 |
| Average equity | $11,030,000 | 4,271 |
| Average total loans | $101,286,500 | 3,336 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 2,416 |
| Cost of funding earning assets | 0.4436% | 2,840 |
| Net interest margin | 3.8307% | 2,314 |
| Noninterest income to average assets | 0.2261% | 4,785 |
| Noninterest expense to average assets | 3.5145% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6149% | 3,951 |
| Return on assets (ROA) | 0.6149% | 3,993 |
| Pretax return on assets | 0.3640% | 5,131 |
| Return on Equity (ROE) | 8.2426% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.2426% | 679 |
| Net charge-offs to loans | 0.4183% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.1935% | 3,919 |
| Efficiency ratio | 90.6158% | 399 |
| Assets per employee ($millions) | 4.5965% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,002 |
| Loan loss allowance to noncurrent loans | 60.7255% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 852 |
| Noncurrent loans to loans | 2.2142% | 651 |
| Net loans and leases to total assets | 69.8255% | 2,544 |
| Net loans and leases to deposits | 77.6983% | 3,151 |
| Net loans and leases to core deposits | 80.2457% | 3,400 |
| Total domestic deposits to total assets | 89.8674% | 613 |
| Equity capital to assets | 7.7310% | 5,476 |
| Core capital (leverage) ratio | 7.8072% | 5,497 |
| Tier 1 risk-based capital ratio | 10.2578% | 5,458 |
| Total risk-based capital ratio | 11.5093% | 5,384 |
| Memoranda: | ||
| Average total assets | $140,673,000 | 3,606 |
| Average earning assets | $134,128,600 | 3,543 |
| Average equity | $10,494,200 | 4,379 |
| Average total loans | $102,554,400 | 3,306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,350 |
| Cost of funding earning assets | 0.4530% | 2,692 |
| Net interest margin | 3.8193% | 2,321 |
| Noninterest income to average assets | 0.2311% | 4,828 |
| Noninterest expense to average assets | 3.5125% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3585% | 5,085 |
| Return on assets (ROA) | 0.3585% | 5,106 |
| Pretax return on assets | 0.3585% | 5,247 |
| Return on Equity (ROE) | 4.8501% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.8501% | 2,986 |
| Net charge-offs to loans | 0.5269% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.9263% | 3,614 |
| Efficiency ratio | 90.7394% | 383 |
| Assets per employee ($millions) | 4.2424% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,971 |
| Loan loss allowance to noncurrent loans | 57.2973% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 795 |
| Noncurrent loans to loans | 2.4108% | 649 |
| Net loans and leases to total assets | 72.4685% | 2,185 |
| Net loans and leases to deposits | 80.7288% | 2,899 |
| Net loans and leases to core deposits | 82.9848% | 3,215 |
| Total domestic deposits to total assets | 89.7677% | 552 |
| Equity capital to assets | 7.7705% | 5,581 |
| Core capital (leverage) ratio | 7.6278% | 5,604 |
| Tier 1 risk-based capital ratio | 10.5032% | 5,449 |
| Total risk-based capital ratio | 11.7547% | 5,379 |
| Memoranda: | ||
| Average total assets | $140,218,500 | 3,646 |
| Average earning assets | $133,634,500 | 3,580 |
| Average equity | $10,363,750 | 4,439 |
| Average total loans | $102,980,250 | 3,332 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,345 |
| Cost of funding earning assets | 0.4425% | 2,673 |
| Net interest margin | 3.7914% | 2,316 |
| Noninterest income to average assets | 0.2484% | 4,754 |
| Noninterest expense to average assets | 3.5171% | 987 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3472% | 5,105 |
| Return on assets (ROA) | 0.3472% | 5,127 |
| Pretax return on assets | 0.3472% | 5,271 |
| Return on Equity (ROE) | 4.7758% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.7758% | 2,866 |
| Net charge-offs to loans | 0.6324% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.7477% | 3,348 |
| Efficiency ratio | 91.0153% | 399 |
| Assets per employee ($millions) | 4.4392% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 1,822 |
| Loan loss allowance to noncurrent loans | 60.9971% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 869 |
| Noncurrent loans to loans | 2.3431% | 673 |
| Net loans and leases to total assets | 70.6912% | 2,413 |
| Net loans and leases to deposits | 86.0710% | 2,206 |
| Net loans and leases to core deposits | 88.6921% | 2,642 |
| Total domestic deposits to total assets | 82.1313% | 3,850 |
| Equity capital to assets | 7.3466% | 5,674 |
| Core capital (leverage) ratio | 7.5177% | 5,654 |
| Tier 1 risk-based capital ratio | 10.2758% | 5,550 |
| Total risk-based capital ratio | 11.5281% | 5,485 |
| Memoranda: | ||
| Average total assets | $141,705,670 | 3,639 |
| Average earning assets | $135,146,670 | 3,571 |
| Average equity | $10,302,000 | 4,469 |
| Average total loans | $104,054,000 | 3,317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0695% | 2,771 |
| Cost of funding earning assets | 0.4298% | 2,723 |
| Net interest margin | 3.6397% | 2,740 |
| Noninterest income to average assets | 0.2798% | 4,552 |
| Noninterest expense to average assets | 3.3745% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3759% | 5,011 |
| Return on assets (ROA) | 0.3759% | 5,034 |
| Pretax return on assets | 0.3759% | 5,200 |
| Return on Equity (ROE) | 5.1979% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.1979% | 2,788 |
| Net charge-offs to loans | 0.5897% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.8581% | 2,789 |
| Efficiency ratio | 89.9774% | 559 |
| Assets per employee ($millions) | 4.6503% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,436 |
| Loan loss allowance to noncurrent loans | 57.4348% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.0343% | 647 |
| Noncurrent loans to loans | 2.7448% | 534 |
| Net loans and leases to total assets | 72.9439% | 1,926 |
| Net loans and leases to deposits | 89.7928% | 1,565 |
| Net loans and leases to core deposits | 92.8546% | 2,084 |
| Total domestic deposits to total assets | 81.2358% | 4,356 |
| Equity capital to assets | 7.3866% | 5,702 |
| Core capital (leverage) ratio | 7.4612% | 5,713 |
| Tier 1 risk-based capital ratio | 10.0855% | 5,677 |
| Total risk-based capital ratio | 11.3396% | 5,631 |
| Memoranda: | ||
| Average total assets | $141,532,000 | 3,672 |
| Average earning assets | $134,955,000 | 3,606 |
| Average equity | $10,235,000 | 4,506 |
| Average total loans | $105,143,500 | 3,316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 2,346 |
| Cost of funding earning assets | 0.4553% | 2,494 |
| Net interest margin | 3.7859% | 2,369 |
| Noninterest income to average assets | 0.1324% | 5,527 |
| Noninterest expense to average assets | 3.3911% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3185% | 5,172 |
| Return on assets (ROA) | 0.2971% | 5,294 |
| Pretax return on assets | 0.2971% | 5,368 |
| Return on Equity (ROE) | 4.3097% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.3097% | 2,834 |
| Net charge-offs to loans | 0.3296% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.2658% | 4,013 |
| Efficiency ratio | 91.4142% | 486 |
| Assets per employee ($millions) | 4.7851% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 1,203 |
| Loan loss allowance to noncurrent loans | 59.6790% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1079% | 635 |
| Noncurrent loans to loans | 2.7981% | 519 |
| Net loans and leases to total assets | 73.2184% | 1,971 |
| Net loans and leases to deposits | 89.5283% | 1,734 |
| Net loans and leases to core deposits | 92.4644% | 2,253 |
| Total domestic deposits to total assets | 81.7825% | 4,135 |
| Equity capital to assets | 7.0810% | 5,786 |
| Core capital (leverage) ratio | 6.9637% | 5,814 |
| Tier 1 risk-based capital ratio | 9.7016% | 5,793 |
| Total risk-based capital ratio | 10.9567% | 5,775 |
| Memoranda: | ||
| Average total assets | $145,056,400 | 3,587 |
| Average earning assets | $137,059,800 | 3,534 |
| Average equity | $10,000,600 | 4,575 |
| Average total loans | $110,739,000 | 3,206 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,403 |
| Cost of funding earning assets | 0.4591% | 2,468 |
| Net interest margin | 3.7727% | 2,441 |
| Noninterest income to average assets | 0.1623% | 5,459 |
| Noninterest expense to average assets | 3.3747% | 1,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3438% | 5,179 |
| Return on assets (ROA) | 0.3154% | 5,336 |
| Pretax return on assets | 0.3154% | 5,442 |
| Return on Equity (ROE) | 4.6053% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.6053% | 3,076 |
| Net charge-offs to loans | 0.2578% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.7361% | 3,660 |
| Efficiency ratio | 90.7544% | 528 |
| Assets per employee ($millions) | 5.0733% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 1,049 |
| Loan loss allowance to noncurrent loans | 45.1869% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 3.1599% | 351 |
| Noncurrent loans to loans | 3.9376% | 283 |
| Net loans and leases to total assets | 72.5662% | 2,102 |
| Net loans and leases to deposits | 89.5971% | 1,810 |
| Net loans and leases to core deposits | 92.4964% | 2,331 |
| Total domestic deposits to total assets | 80.9917% | 4,248 |
| Equity capital to assets | 6.8873% | 5,895 |
| Core capital (leverage) ratio | 7.0200% | 5,879 |
| Tier 1 risk-based capital ratio | 9.0093% | 5,918 |
| Total risk-based capital ratio | 10.2653% | 5,919 |
| Memoranda: | ||
| Average total assets | $145,432,000 | 3,600 |
| Average earning assets | $137,085,000 | 3,555 |
| Average equity | $9,959,500 | 4,628 |
| Average total loans | $111,700,500 | 3,201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 2,308 |
| Cost of funding earning assets | 0.4614% | 2,460 |
| Net interest margin | 3.7959% | 2,337 |
| Noninterest income to average assets | 0.1312% | 5,663 |
| Noninterest expense to average assets | 3.3437% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3534% | 5,170 |
| Return on assets (ROA) | 0.3106% | 5,382 |
| Pretax return on assets | 0.3106% | 5,487 |
| Return on Equity (ROE) | 4.5447% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.5447% | 3,021 |
| Net charge-offs to loans | 0.3318% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3690% | 3,418 |
| Efficiency ratio | 90.4406% | 585 |
| Assets per employee ($millions) | 4.4719% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 1,158 |
| Loan loss allowance to noncurrent loans | 45.8217% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 3.4186% | 319 |
| Noncurrent loans to loans | 3.8379% | 327 |
| Net loans and leases to total assets | 74.3092% | 1,778 |
| Net loans and leases to deposits | 92.0577% | 1,508 |
| Net loans and leases to core deposits | 94.8247% | 2,080 |
| Total domestic deposits to total assets | 80.7202% | 4,356 |
| Equity capital to assets | 6.7851% | 5,979 |
| Core capital (leverage) ratio | 6.9487% | 5,956 |
| Tier 1 risk-based capital ratio | 8.6811% | 6,007 |
| Total risk-based capital ratio | 9.9367% | 6,008 |
| Memoranda: | ||
| Average total assets | $144,867,670 | 3,631 |
| Average earning assets | $136,093,330 | 3,595 |
| Average equity | $9,901,670 | 4,667 |
| Average total loans | $112,701,670 | 3,193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,713 |
| Cost of funding earning assets | 0.4603% | 2,461 |
| Net interest margin | 3.6735% | 2,787 |
| Noninterest income to average assets | 0.2007% | 5,304 |
| Noninterest expense to average assets | 3.3084% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3400% | 5,182 |
| Return on assets (ROA) | 0.2899% | 5,412 |
| Pretax return on assets | 0.2899% | 5,526 |
| Return on Equity (ROE) | 4.2251% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,364 |
| Net charge-offs to loans | 0.0777% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.5455% | 2,323 |
| Efficiency ratio | 90.6799% | 628 |
| Assets per employee ($millions) | 4.3482% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 997 |
| Loan loss allowance to noncurrent loans | 45.2381% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.8455% | 272 |
| Noncurrent loans to loans | 4.1541% | 281 |
| Net loans and leases to total assets | 77.4322% | 1,183 |
| Net loans and leases to deposits | 96.3777% | 907 |
| Net loans and leases to core deposits | 99.5993% | 1,515 |
| Total domestic deposits to total assets | 80.3425% | 4,671 |
| Equity capital to assets | 6.8770% | 6,019 |
| Core capital (leverage) ratio | 7.0284% | 5,999 |
| Tier 1 risk-based capital ratio | 8.8855% | 6,060 |
| Total risk-based capital ratio | 10.1435% | 6,059 |
| Memoranda: | ||
| Average total assets | $143,514,500 | 3,675 |
| Average earning assets | $134,696,000 | 3,638 |
| Average equity | $9,846,000 | 4,686 |
| Average total loans | $113,240,500 | 3,195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 3,996 |
| Cost of funding earning assets | 0.6441% | 1,105 |
| Net interest margin | 3.1715% | 4,709 |
| Noninterest income to average assets | -0.3537% | 6,172 |
| Noninterest expense to average assets | 3.5534% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.9572% | 6,099 |
| Return on assets (ROA) | -0.9590% | 6,102 |
| Pretax return on assets | -0.9952% | 6,096 |
| Return on Equity (ROE) | -16.7902% | 6,131 |
| Retained earnings to average equity (ytd only) | -16.7902% | 6,107 |
| Net charge-offs to loans | 0.4221% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -3.1996% | 4,379 |
| Efficiency ratio | 138.7951% | 50 |
| Assets per employee ($millions) | 4.3596% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 957 |
| Loan loss allowance to noncurrent loans | 44.6800% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 5.1235% | 167 |
| Noncurrent loans to loans | 4.2492% | 270 |
| Net loans and leases to total assets | 77.2199% | 1,224 |
| Net loans and leases to deposits | 96.1320% | 992 |
| Net loans and leases to core deposits | 98.6739% | 1,621 |
| Total domestic deposits to total assets | 80.3270% | 4,659 |
| Equity capital to assets | 7.0579% | 6,050 |
| Core capital (leverage) ratio | 6.9705% | 6,055 |
| Tier 1 risk-based capital ratio | 8.6864% | 6,120 |
| Total risk-based capital ratio | 9.9435% | 6,118 |
| Memoranda: | ||
| Average total assets | $154,949,600 | 3,494 |
| Average earning assets | $142,362,200 | 3,510 |
| Average equity | $8,850,400 | 4,882 |
| Average total loans | $113,956,000 | 3,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 4,070 |
| Cost of funding earning assets | 0.6978% | 848 |
| Net interest margin | 3.1083% | 4,940 |
| Noninterest income to average assets | -0.0795% | 6,229 |
| Noninterest expense to average assets | 3.5649% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.7466% | 6,169 |
| Return on assets (ROA) | -0.7490% | 6,169 |
| Pretax return on assets | -0.7963% | 6,169 |
| Return on Equity (ROE) | -13.8577% | 6,207 |
| Retained earnings to average equity (ytd only) | -13.8577% | 6,169 |
| Net charge-offs to loans | 0.4100% | 625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -2.6752% | 4,092 |
| Efficiency ratio | 128.6455% | 74 |
| Assets per employee ($millions) | 4.4609% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 874 |
| Loan loss allowance to noncurrent loans | 101.0191% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 3.6659% | 337 |
| Noncurrent loans to loans | 2.0123% | 1,146 |
| Net loans and leases to total assets | 72.4479% | 1,991 |
| Net loans and leases to deposits | 90.3278% | 1,598 |
| Net loans and leases to core deposits | 92.6476% | 2,202 |
| Total domestic deposits to total assets | 80.2056% | 4,692 |
| Equity capital to assets | 7.0766% | 6,143 |
| Core capital (leverage) ratio | 6.8310% | 6,150 |
| Tier 1 risk-based capital ratio | 10.1804% | 5,985 |
| Total risk-based capital ratio | 11.4420% | 5,926 |
| Memoranda: | ||
| Average total assets | $157,720,250 | 3,498 |
| Average earning assets | $144,642,000 | 3,513 |
| Average equity | $8,524,500 | 5,012 |
| Average total loans | $114,134,000 | 3,164 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,370 |
| Cost of funding earning assets | 0.7202% | 759 |
| Net interest margin | 2.9926% | 5,241 |
| Noninterest income to average assets | -0.0326% | 6,284 |
| Noninterest expense to average assets | 3.6009% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.8116% | 6,243 |
| Return on assets (ROA) | -0.8151% | 6,247 |
| Pretax return on assets | -0.8852% | 6,244 |
| Return on Equity (ROE) | -16.7173% | 6,284 |
| Retained earnings to average equity (ytd only) | -16.7173% | 6,244 |
| Net charge-offs to loans | 0.9896% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.2394% | 3,775 |
| Efficiency ratio | 132.4125% | 69 |
| Assets per employee ($millions) | 4.7123% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8327% | 1,308 |
| Loan loss allowance to noncurrent loans | 102.5858% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 3.6226% | 385 |
| Noncurrent loans to loans | 1.7865% | 1,435 |
| Net loans and leases to total assets | 68.9698% | 2,489 |
| Net loans and leases to deposits | 86.2684% | 2,026 |
| Net loans and leases to core deposits | 94.4389% | 1,916 |
| Total domestic deposits to total assets | 79.9479% | 4,884 |
| Equity capital to assets | 6.8463% | 6,214 |
| Core capital (leverage) ratio | 7.0536% | 6,180 |
| Tier 1 risk-based capital ratio | 9.6622% | 6,170 |
| Total risk-based capital ratio | 10.9193% | 6,140 |
| Memoranda: | ||
| Average total assets | $159,737,330 | 3,488 |
| Average earning assets | $146,894,330 | 3,505 |
| Average equity | $7,788,330 | 5,202 |
| Average total loans | $114,791,670 | 3,171 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 4,962 |
| Cost of funding earning assets | 0.7416% | 689 |
| Net interest margin | 2.7590% | 5,723 |
| Noninterest income to average assets | 0.2959% | 4,803 |
| Noninterest expense to average assets | 3.5060% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5333% | 6,255 |
| Return on assets (ROA) | -0.5392% | 6,266 |
| Pretax return on assets | -0.6796% | 6,271 |
| Return on Equity (ROE) | -13.8754% | 6,342 |
| Retained earnings to average equity (ytd only) | -13.8754% | 6,211 |
| Net charge-offs to loans | 1.4391% | 135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.6427% | 3,154 |
| Efficiency ratio | 123.7168% | 105 |
| Assets per employee ($millions) | 4.7033% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 1,152 |
| Loan loss allowance to noncurrent loans | 87.8223% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 4.3207% | 320 |
| Noncurrent loans to loans | 2.2353% | 1,122 |
| Net loans and leases to total assets | 71.2386% | 1,939 |
| Net loans and leases to deposits | 86.2377% | 1,800 |
| Net loans and leases to core deposits | 94.3687% | 1,736 |
| Total domestic deposits to total assets | 82.6072% | 4,301 |
| Equity capital to assets | 5.0455% | 6,370 |
| Core capital (leverage) ratio | 4.9657% | 6,367 |
| Tier 1 risk-based capital ratio | 6.8859% | 6,377 |
| Total risk-based capital ratio | 8.1437% | 6,377 |
| Memoranda: | ||
| Average total assets | $159,497,000 | 3,514 |
| Average earning assets | $146,719,500 | 3,526 |
| Average equity | $6,198,000 | 5,554 |
| Average total loans | $115,905,000 | 3,164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,671 |
| Cost of funding earning assets | 0.8826% | 435 |
| Net interest margin | 3.1332% | 5,120 |
| Noninterest income to average assets | -0.0042% | 6,406 |
| Noninterest expense to average assets | 3.5497% | 1,392 |
| Loan and lease loss provision to assets | 0.3216% | 613 |
| Net operating income to assets | -0.9709% | 6,375 |
| Return on assets (ROA) | -0.9666% | 6,373 |
| Pretax return on assets | -0.9666% | 6,368 |
| Return on Equity (ROE) | -30.1797% | 6,466 |
| Retained earnings to average equity (ytd only) | -30.1797% | 6,457 |
| Net charge-offs to loans | 0.6986% | 533 |
| Credit loss provision to net charge-offs | 63.4524% | 3,221 |
| Earnings coverage of net charge-offs (x) | -1.2810% | 4,810 |
| Efficiency ratio | 122.3840% | 115 |
| Assets per employee ($millions) | 4.9632% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 810 |
| Loan loss allowance to noncurrent loans | 54.9958% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 4.3825% | 361 |
| Noncurrent loans to loans | 4.0192% | 459 |
| Net loans and leases to total assets | 71.0665% | 2,063 |
| Net loans and leases to deposits | 83.3270% | 2,291 |
| Net loans and leases to core deposits | 90.2841% | 2,249 |
| Total domestic deposits to total assets | 85.2863% | 3,168 |
| Equity capital to assets | 2.7872% | 6,495 |
| Core capital (leverage) ratio | 2.8308% | 6,495 |
| Tier 1 risk-based capital ratio | 3.8845% | 6,498 |
| Total risk-based capital ratio | 5.1459% | 6,498 |
| Memoranda: | ||
| Average total assets | $165,730,200 | 3,400 |
| Average earning assets | $153,643,800 | 3,384 |
| Average equity | $5,308,200 | 5,788 |
| Average total loans | $120,241,000 | 3,034 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,923 |
| Cost of funding earning assets | 0.8950% | 425 |
| Net interest margin | 3.0662% | 5,345 |
| Noninterest income to average assets | -0.0425% | 6,507 |
| Noninterest expense to average assets | 3.5872% | 1,316 |
| Loan and lease loss provision to assets | 0.1636% | 1,517 |
| Net operating income to assets | -0.9489% | 6,456 |
| Return on assets (ROA) | -0.9433% | 6,453 |
| Pretax return on assets | -0.9433% | 6,441 |
| Return on Equity (ROE) | -28.5395% | 6,536 |
| Retained earnings to average equity (ytd only) | -28.5395% | 6,526 |
| Net charge-offs to loans | 0.5796% | 642 |
| Credit loss provision to net charge-offs | 38.9313% | 3,307 |
| Earnings coverage of net charge-offs (x) | -1.8683% | 4,565 |
| Efficiency ratio | 128.0275% | 94 |
| Assets per employee ($millions) | 4.2955% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1681% | 988 |
| Loan loss allowance to noncurrent loans | 58.5028% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 4.4141% | 420 |
| Noncurrent loans to loans | 3.7059% | 614 |
| Net loans and leases to total assets | 72.3736% | 1,789 |
| Net loans and leases to deposits | 85.1834% | 2,008 |
| Net loans and leases to core deposits | 97.1457% | 1,583 |
| Total domestic deposits to total assets | 84.9621% | 3,349 |
| Equity capital to assets | 3.0264% | 6,565 |
| Core capital (leverage) ratio | 3.0508% | 6,566 |
| Tier 1 risk-based capital ratio | 4.1567% | 6,568 |
| Total risk-based capital ratio | 5.4179% | 6,570 |
| Memoranda: | ||
| Average total assets | $166,216,250 | 3,421 |
| Average earning assets | $154,193,250 | 3,401 |
| Average equity | $5,494,000 | 5,802 |
| Average total loans | $120,544,250 | 3,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,112 |
| Cost of funding earning assets | 0.8940% | 444 |
| Net interest margin | 3.0134% | 5,481 |
| Noninterest income to average assets | -0.1663% | 6,617 |
| Noninterest expense to average assets | 3.5045% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.8767% | 6,513 |
| Return on assets (ROA) | -0.8743% | 6,513 |
| Pretax return on assets | -0.8743% | 6,497 |
| Return on Equity (ROE) | -25.7455% | 6,596 |
| Retained earnings to average equity (ytd only) | -25.7455% | 6,567 |
| Net charge-offs to loans | 0.3669% | 1,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.3167% | 4,276 |
| Efficiency ratio | 133.3637% | 86 |
| Assets per employee ($millions) | 4.4678% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2848% | 918 |
| Loan loss allowance to noncurrent loans | 54.2424% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 4.5348% | 431 |
| Noncurrent loans to loans | 4.2123% | 550 |
| Net loans and leases to total assets | 68.4414% | 2,338 |
| Net loans and leases to deposits | 80.2554% | 2,484 |
| Net loans and leases to core deposits | 93.9042% | 1,785 |
| Total domestic deposits to total assets | 85.2794% | 3,369 |
| Equity capital to assets | 3.1648% | 6,627 |
| Core capital (leverage) ratio | 3.3337% | 6,627 |
| Tier 1 risk-based capital ratio | 4.6247% | 6,631 |
| Total risk-based capital ratio | 5.8869% | 6,632 |
| Memoranda: | ||
| Average total assets | $167,212,330 | 3,420 |
| Average earning assets | $155,040,670 | 3,394 |
| Average equity | $5,678,670 | 5,783 |
| Average total loans | $120,475,000 | 3,051 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,499 |
| Cost of funding earning assets | 0.9163% | 413 |
| Net interest margin | 3.1291% | 5,150 |
| Noninterest income to average assets | -0.2965% | 6,698 |
| Noninterest expense to average assets | 3.4496% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8485% | 6,550 |
| Return on assets (ROA) | -0.8485% | 6,550 |
| Pretax return on assets | -0.8485% | 6,539 |
| Return on Equity (ROE) | -24.1447% | 6,643 |
| Retained earnings to average equity (ytd only) | -24.1447% | 6,577 |
| Net charge-offs to loans | 0.0132% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -88.0000% | 3,647 |
| Efficiency ratio | 132.6228% | 110 |
| Assets per employee ($millions) | 4.1511% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4502% | 862 |
| Loan loss allowance to noncurrent loans | 76.8465% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 4.1826% | 546 |
| Noncurrent loans to loans | 3.1884% | 963 |
| Net loans and leases to total assets | 70.3506% | 1,829 |
| Net loans and leases to deposits | 82.9544% | 1,949 |
| Net loans and leases to core deposits | 97.2996% | 1,293 |
| Total domestic deposits to total assets | 84.8064% | 3,952 |
| Equity capital to assets | 3.3756% | 6,686 |
| Core capital (leverage) ratio | 3.5703% | 6,687 |
| Tier 1 risk-based capital ratio | 5.1022% | 6,696 |
| Total risk-based capital ratio | 6.3685% | 6,698 |
| Memoranda: | ||
| Average total assets | $165,930,500 | 3,466 |
| Average earning assets | $153,655,000 | 3,443 |
| Average equity | $5,831,500 | 5,791 |
| Average total loans | $121,255,500 | 3,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,554 |
| Cost of funding earning assets | 0.9347% | 624 |
| Net interest margin | 2.9408% | 5,707 |
| Noninterest income to average assets | -0.8198% | 6,803 |
| Noninterest expense to average assets | 4.0084% | 868 |
| Loan and lease loss provision to assets | 1.2959% | 122 |
| Net operating income to assets | -3.4139% | 6,776 |
| Return on assets (ROA) | -3.3862% | 6,772 |
| Pretax return on assets | -3.3862% | 6,771 |
| Return on Equity (ROE) | -64.5215% | 6,789 |
| Retained earnings to average equity (ytd only) | -64.5215% | 6,787 |
| Net charge-offs to loans | 3.8301% | 41 |
| Credit loss provision to net charge-offs | 46.4678% | 3,901 |
| Earnings coverage of net charge-offs (x) | -0.7595% | 5,240 |
| Efficiency ratio | 212.0416% | 26 |
| Assets per employee ($millions) | 4.1454% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3932% | 940 |
| Loan loss allowance to noncurrent loans | 86.5135% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 4.5894% | 537 |
| Noncurrent loans to loans | 2.7663% | 1,285 |
| Net loans and leases to total assets | 72.2640% | 1,645 |
| Net loans and leases to deposits | 85.5753% | 1,740 |
| Net loans and leases to core deposits | 100.4451% | 1,118 |
| Total domestic deposits to total assets | 84.4449% | 3,989 |
| Equity capital to assets | 3.6534% | 6,751 |
| Core capital (leverage) ratio | 3.7927% | 6,757 |
| Tier 1 risk-based capital ratio | 5.1539% | 6,768 |
| Total risk-based capital ratio | 6.4187% | 6,768 |
| Memoranda: | ||
| Average total assets | $173,086,000 | 3,366 |
| Average earning assets | $159,515,000 | 3,357 |
| Average equity | $9,083,800 | 5,061 |
| Average total loans | $126,027,800 | 2,915 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 4,893 |
| Cost of funding earning assets | 0.9432% | 667 |
| Net interest margin | 2.8462% | 5,928 |
| Noninterest income to average assets | -1.1282% | 6,887 |
| Noninterest expense to average assets | 3.9975% | 862 |
| Loan and lease loss provision to assets | 1.6397% | 65 |
| Net operating income to assets | -4.1409% | 6,874 |
| Return on assets (ROA) | -4.1043% | 6,874 |
| Pretax return on assets | -4.1043% | 6,871 |
| Return on Equity (ROE) | -72.9503% | 6,873 |
| Retained earnings to average equity (ytd only) | -72.9503% | 6,870 |
| Net charge-offs to loans | 4.8068% | 23 |
| Credit loss provision to net charge-offs | 47.0370% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.7175% | 4,980 |
| Efficiency ratio | 267.1421% | 11 |
| Assets per employee ($millions) | 3.8900% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 825 |
| Loan loss allowance to noncurrent loans | 52.5513% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 5.8208% | 427 |
| Noncurrent loans to loans | 4.9642% | 607 |
| Net loans and leases to total assets | 70.8353% | 1,810 |
| Net loans and leases to deposits | 84.4578% | 1,823 |
| Net loans and leases to core deposits | 98.8529% | 1,180 |
| Total domestic deposits to total assets | 83.8706% | 4,247 |
| Equity capital to assets | 4.0678% | 6,814 |
| Core capital (leverage) ratio | 4.0065% | 6,827 |
| Tier 1 risk-based capital ratio | 5.7079% | 6,836 |
| Total risk-based capital ratio | 6.9747% | 6,836 |
| Memoranda: | ||
| Average total assets | $174,903,250 | 3,365 |
| Average earning assets | $161,286,750 | 3,347 |
| Average equity | $9,840,250 | 4,943 |
| Average total loans | $126,843,750 | 2,930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8166% | 4,770 |
| Cost of funding earning assets | 0.9402% | 740 |
| Net interest margin | 2.8764% | 5,838 |
| Noninterest income to average assets | -0.1544% | 6,861 |
| Noninterest expense to average assets | 3.8468% | 1,039 |
| Loan and lease loss provision to assets | 2.2949% | 41 |
| Net operating income to assets | -3.6465% | 6,911 |
| Return on assets (ROA) | -3.5928% | 6,912 |
| Pretax return on assets | -3.5928% | 6,907 |
| Return on Equity (ROE) | -58.8904% | 6,916 |
| Retained earnings to average equity (ytd only) | -58.8904% | 6,912 |
| Net charge-offs to loans | 6.3282% | 22 |
| Credit loss provision to net charge-offs | 50.0488% | 3,202 |
| Earnings coverage of net charge-offs (x) | -0.2948% | 4,635 |
| Efficiency ratio | 154.1704% | 66 |
| Assets per employee ($millions) | 4.2816% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8239% | 687 |
| Loan loss allowance to noncurrent loans | 40.6433% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 7.7724% | 276 |
| Noncurrent loans to loans | 6.9481% | 350 |
| Net loans and leases to total assets | 68.1202% | 2,206 |
| Net loans and leases to deposits | 81.4069% | 2,130 |
| Net loans and leases to core deposits | 96.4612% | 1,311 |
| Total domestic deposits to total assets | 83.6787% | 4,465 |
| Equity capital to assets | 5.0665% | 6,823 |
| Core capital (leverage) ratio | 5.1032% | 6,822 |
| Tier 1 risk-based capital ratio | 7.2147% | 6,833 |
| Total risk-based capital ratio | 8.4835% | 6,834 |
| Memoranda: | ||
| Average total assets | $178,744,670 | 3,328 |
| Average earning assets | $164,648,330 | 3,327 |
| Average equity | $10,905,000 | 4,747 |
| Average total loans | $129,515,000 | 2,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 3,622 |
| Cost of funding earning assets | 0.9442% | 807 |
| Net interest margin | 3.1810% | 4,994 |
| Noninterest income to average assets | 0.1974% | 6,063 |
| Noninterest expense to average assets | 3.2826% | 2,125 |
| Loan and lease loss provision to assets | 0.4702% | 584 |
| Net operating income to assets | -0.6188% | 6,716 |
| Return on assets (ROA) | -0.5966% | 6,728 |
| Pretax return on assets | -0.5966% | 6,700 |
| Return on Equity (ROE) | -9.0340% | 6,784 |
| Retained earnings to average equity (ytd only) | -9.0340% | 6,577 |
| Net charge-offs to loans | 3.7214% | 76 |
| Credit loss provision to net charge-offs | 17.1660% | 3,080 |
| Earnings coverage of net charge-offs (x) | -0.0543% | 3,842 |
| Efficiency ratio | 104.7417% | 424 |
| Assets per employee ($millions) | 4.5164% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4574% | 436 |
| Loan loss allowance to noncurrent loans | 39.9627% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 8.9617% | 251 |
| Noncurrent loans to loans | 8.6515% | 287 |
| Net loans and leases to total assets | 71.3232% | 1,470 |
| Net loans and leases to deposits | 86.8574% | 1,262 |
| Net loans and leases to core deposits | 102.9366% | 777 |
| Total domestic deposits to total assets | 82.1153% | 5,153 |
| Equity capital to assets | 6.7010% | 6,760 |
| Core capital (leverage) ratio | 6.5061% | 6,748 |
| Tier 1 risk-based capital ratio | 9.2011% | 6,790 |
| Total risk-based capital ratio | 10.4787% | 6,786 |
| Memoranda: | ||
| Average total assets | $180,345,000 | 3,340 |
| Average earning assets | $166,491,000 | 3,334 |
| Average equity | $11,910,500 | 4,596 |
| Average total loans | $132,744,500 | 2,846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 4,650 |
| Cost of funding earning assets | 0.9781% | 1,477 |
| Net interest margin | 3.2064% | 5,553 |
| Noninterest income to average assets | -0.1836% | 6,951 |
| Noninterest expense to average assets | 3.1507% | 2,769 |
| Loan and lease loss provision to assets | 2.0154% | 102 |
| Net operating income to assets | -3.1560% | 7,015 |
| Return on assets (ROA) | -3.0576% | 7,014 |
| Pretax return on assets | -2.3168% | 6,962 |
| Return on Equity (ROE) | -37.0410% | 6,982 |
| Retained earnings to average equity (ytd only) | -37.0410% | 6,972 |
| Net charge-offs to loans | 1.2507% | 790 |
| Credit loss provision to net charge-offs | 219.0577% | 1,150 |
| Earnings coverage of net charge-offs (x) | -0.4346% | 5,654 |
| Efficiency ratio | 114.5361% | 267 |
| Assets per employee ($millions) | 4.3941% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0794% | 269 |
| Loan loss allowance to noncurrent loans | 57.6169% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 7.8141% | 368 |
| Noncurrent loans to loans | 7.0803% | 448 |
| Net loans and leases to total assets | 70.3545% | 1,771 |
| Net loans and leases to deposits | 84.9989% | 1,640 |
| Net loans and leases to core deposits | 104.6624% | 752 |
| Total domestic deposits to total assets | 82.7712% | 4,815 |
| Equity capital to assets | 6.5120% | 6,845 |
| Core capital (leverage) ratio | 6.5280% | 6,789 |
| Tier 1 risk-based capital ratio | 9.0306% | 6,848 |
| Total risk-based capital ratio | 10.3162% | 6,843 |
| Memoranda: | ||
| Average total assets | $205,322,400 | 2,981 |
| Average earning assets | $187,908,200 | 2,986 |
| Average equity | $16,948,800 | 3,640 |
| Average total loans | $151,036,400 | 2,561 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 4,665 |
| Cost of funding earning assets | 0.9793% | 1,685 |
| Net interest margin | 3.2652% | 5,497 |
| Noninterest income to average assets | 0.0089% | 6,909 |
| Noninterest expense to average assets | 3.0604% | 3,015 |
| Loan and lease loss provision to assets | 0.8994% | 492 |
| Net operating income to assets | -0.9671% | 6,852 |
| Return on assets (ROA) | -0.8538% | 6,843 |
| Pretax return on assets | -0.8538% | 6,817 |
| Return on Equity (ROE) | -9.8853% | 6,856 |
| Retained earnings to average equity (ytd only) | -9.8853% | 6,808 |
| Net charge-offs to loans | 0.7684% | 1,440 |
| Credit loss provision to net charge-offs | 159.0146% | 1,761 |
| Earnings coverage of net charge-offs (x) | -0.1198% | 5,389 |
| Efficiency ratio | 102.2646% | 468 |
| Assets per employee ($millions) | 4.5780% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6235% | 1,057 |
| Loan loss allowance to noncurrent loans | 37.2050% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 8.0005% | 385 |
| Noncurrent loans to loans | 7.0516% | 511 |
| Net loans and leases to total assets | 73.3356% | 1,345 |
| Net loans and leases to deposits | 90.5580% | 1,089 |
| Net loans and leases to core deposits | 110.3463% | 555 |
| Total domestic deposits to total assets | 80.9819% | 5,365 |
| Equity capital to assets | 8.8737% | 5,952 |
| Core capital (leverage) ratio | 7.8286% | 6,448 |
| Tier 1 risk-based capital ratio | 10.7113% | 6,600 |
| Total risk-based capital ratio | 11.9783% | 6,578 |
| Memoranda: | ||
| Average total assets | $210,515,250 | 2,952 |
| Average earning assets | $192,368,000 | 2,960 |
| Average equity | $18,181,500 | 3,478 |
| Average total loans | $154,955,000 | 2,534 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 5,079 |
| Cost of funding earning assets | 0.9829% | 1,866 |
| Net interest margin | 3.1789% | 5,802 |
| Noninterest income to average assets | 0.2862% | 5,520 |
| Noninterest expense to average assets | 2.6575% | 4,580 |
| Loan and lease loss provision to assets | 0.3417% | 1,928 |
| Net operating income to assets | 0.1930% | 5,936 |
| Return on assets (ROA) | 0.3389% | 5,689 |
| Pretax return on assets | 0.3389% | 5,867 |
| Return on Equity (ROE) | 3.9559% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.9559% | 3,985 |
| Net charge-offs to loans | 0.2804% | 2,918 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 2.6081% | 3,701 |
| Efficiency ratio | 83.2514% | 1,716 |
| Assets per employee ($millions) | 5.2841% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 1,708 |
| Loan loss allowance to noncurrent loans | 26.0330% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 8.9427% | 343 |
| Noncurrent loans to loans | 8.5630% | 381 |
| Net loans and leases to total assets | 72.8084% | 1,424 |
| Net loans and leases to deposits | 89.3831% | 1,208 |
| Net loans and leases to core deposits | 107.4099% | 685 |
| Total domestic deposits to total assets | 81.4565% | 5,311 |
| Equity capital to assets | 9.1179% | 5,564 |
| Core capital (leverage) ratio | 8.2191% | 6,025 |
| Tier 1 risk-based capital ratio | 11.2398% | 6,376 |
| Total risk-based capital ratio | 12.5015% | 6,346 |
| Memoranda: | ||
| Average total assets | $216,595,330 | 2,909 |
| Average earning assets | $197,994,330 | 2,898 |
| Average equity | $18,554,670 | 3,419 |
| Average total loans | $158,338,330 | 2,484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 5,853 |
| Cost of funding earning assets | 0.9929% | 2,022 |
| Net interest margin | 2.9788% | 6,342 |
| Noninterest income to average assets | 0.3498% | 5,062 |
| Noninterest expense to average assets | 2.4845% | 5,199 |
| Loan and lease loss provision to assets | 0.3336% | 1,876 |
| Net operating income to assets | 0.2849% | 5,705 |
| Return on assets (ROA) | 0.3732% | 5,556 |
| Pretax return on assets | 0.3732% | 5,803 |
| Return on Equity (ROE) | 4.4910% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.4910% | 3,896 |
| Net charge-offs to loans | 0.2986% | 2,466 |
| Credit loss provision to net charge-offs | 154.1667% | 1,632 |
| Earnings coverage of net charge-offs (x) | 2.8583% | 3,037 |
| Efficiency ratio | 80.0697% | 2,196 |
| Assets per employee ($millions) | 5.7678% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 2,089 |
| Loan loss allowance to noncurrent loans | 21.3086% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 9.6219% | 329 |
| Noncurrent loans to loans | 9.8825% | 316 |
| Net loans and leases to total assets | 70.7986% | 1,610 |
| Net loans and leases to deposits | 85.6417% | 1,462 |
| Net loans and leases to core deposits | 105.9866% | 673 |
| Total domestic deposits to total assets | 82.6684% | 5,054 |
| Equity capital to assets | 8.4653% | 6,116 |
| Core capital (leverage) ratio | 7.7822% | 6,429 |
| Tier 1 risk-based capital ratio | 10.7859% | 6,632 |
| Total risk-based capital ratio | 12.0461% | 6,612 |
| Memoranda: | ||
| Average total assets | $221,854,000 | 2,866 |
| Average earning assets | $205,050,000 | 2,833 |
| Average equity | $18,437,000 | 3,436 |
| Average total loans | $160,776,000 | 2,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 5,940 |
| Cost of funding earning assets | 1.0745% | 2,849 |
| Net interest margin | 3.1668% | 6,176 |
| Noninterest income to average assets | -0.0189% | 7,028 |
| Noninterest expense to average assets | 3.1376% | 3,075 |
| Loan and lease loss provision to assets | 1.0544% | 875 |
| Net operating income to assets | -1.5537% | 6,919 |
| Return on assets (ROA) | -1.5291% | 6,936 |
| Pretax return on assets | -1.2780% | 6,834 |
| Return on Equity (ROE) | -16.0662% | 6,908 |
| Retained earnings to average equity (ytd only) | -16.2798% | 6,897 |
| Net charge-offs to loans | 2.5501% | 453 |
| Credit loss provision to net charge-offs | 53.3110% | 5,339 |
| Earnings coverage of net charge-offs (x) | -0.1255% | 5,908 |
| Efficiency ratio | 108.5911% | 459 |
| Assets per employee ($millions) | 6.2369% | 1,079 |
| Cash dividends to net income (ytd only)* | -1.3296% | 7,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 2,252 |
| Loan loss allowance to noncurrent loans | 26.7971% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 7.9361% | 514 |
| Noncurrent loans to loans | 7.4915% | 565 |
| Net loans and leases to total assets | 71.1557% | 1,796 |
| Net loans and leases to deposits | 85.5155% | 1,729 |
| Net loans and leases to core deposits | 113.1648% | 534 |
| Total domestic deposits to total assets | 83.2080% | 4,662 |
| Equity capital to assets | 8.1593% | 6,478 |
| Core capital (leverage) ratio | 7.6832% | 6,544 |
| Tier 1 risk-based capital ratio | 10.9628% | 6,472 |
| Total risk-based capital ratio | 12.2290% | 6,448 |
| Memoranda: | ||
| Average total assets | $211,498,600 | 2,925 |
| Average earning assets | $194,233,800 | 2,919 |
| Average equity | $20,129,200 | 3,117 |
| Average total loans | $164,035,800 | 2,438 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 6,138 |
| Cost of funding earning assets | 1.0672% | 3,199 |
| Net interest margin | 3.1631% | 6,252 |
| Noninterest income to average assets | -0.0115% | 7,130 |
| Noninterest expense to average assets | 3.3352% | 2,386 |
| Loan and lease loss provision to assets | 1.0821% | 765 |
| Net operating income to assets | -1.5469% | 7,053 |
| Return on assets (ROA) | -1.5283% | 7,061 |
| Pretax return on assets | -1.5085% | 7,019 |
| Return on Equity (ROE) | -15.4634% | 7,024 |
| Retained earnings to average equity (ytd only) | -15.7419% | 7,002 |
| Net charge-offs to loans | 2.8121% | 354 |
| Credit loss provision to net charge-offs | 48.7734% | 5,058 |
| Earnings coverage of net charge-offs (x) | -0.2006% | 5,719 |
| Efficiency ratio | 115.3965% | 353 |
| Assets per employee ($millions) | 5.9944% | 1,208 |
| Cash dividends to net income (ytd only)* | -1.8014% | 7,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 2,098 |
| Loan loss allowance to noncurrent loans | 23.0220% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 9.8703% | 368 |
| Noncurrent loans to loans | 9.0651% | 426 |
| Net loans and leases to total assets | 75.0269% | 1,140 |
| Net loans and leases to deposits | 86.6722% | 1,593 |
| Net loans and leases to core deposits | 114.6974% | 533 |
| Total domestic deposits to total assets | 86.5639% | 2,901 |
| Equity capital to assets | 8.8930% | 5,868 |
| Core capital (leverage) ratio | 8.1269% | 6,251 |
| Tier 1 risk-based capital ratio | 11.1105% | 6,475 |
| Total risk-based capital ratio | 12.3722% | 6,454 |
| Memoranda: | ||
| Average total assets | $208,240,750 | 2,981 |
| Average earning assets | $191,031,500 | 2,964 |
| Average equity | $20,581,500 | 3,064 |
| Average total loans | $164,285,000 | 2,451 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 6,364 |
| Cost of funding earning assets | 1.0540% | 3,576 |
| Net interest margin | 3.1079% | 6,391 |
| Noninterest income to average assets | 0.1487% | 6,581 |
| Noninterest expense to average assets | 3.7381% | 1,468 |
| Loan and lease loss provision to assets | 0.2314% | 3,594 |
| Net operating income to assets | -0.9984% | 6,939 |
| Return on assets (ROA) | -0.9702% | 6,941 |
| Pretax return on assets | -0.9401% | 6,877 |
| Return on Equity (ROE) | -9.4844% | 6,921 |
| Retained earnings to average equity (ytd only) | -9.8931% | 6,874 |
| Net charge-offs to loans | 1.6324% | 892 |
| Credit loss provision to net charge-offs | 17.7877% | 5,162 |
| Earnings coverage of net charge-offs (x) | -0.5665% | 5,543 |
| Efficiency ratio | 124.5546% | 302 |
| Assets per employee ($millions) | 6.3453% | 1,000 |
| Cash dividends to net income (ytd only)* | -4.3086% | 7,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4117% | 1,568 |
| Loan loss allowance to noncurrent loans | 28.5912% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 9.6403% | 421 |
| Noncurrent loans to loans | 8.4351% | 512 |
| Net loans and leases to total assets | 77.3877% | 861 |
| Net loans and leases to deposits | 89.2747% | 1,346 |
| Net loans and leases to core deposits | 121.6347% | 383 |
| Total domestic deposits to total assets | 86.6850% | 2,935 |
| Equity capital to assets | 9.4748% | 4,849 |
| Core capital (leverage) ratio | 8.8907% | 4,894 |
| Tier 1 risk-based capital ratio | 11.1495% | 6,418 |
| Total risk-based capital ratio | 12.4138% | 6,401 |
| Memoranda: | ||
| Average total assets | $205,721,000 | 3,024 |
| Average earning assets | $188,808,330 | 3,014 |
| Average equity | $21,045,000 | 2,992 |
| Average total loans | $163,927,000 | 2,479 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 6,421 |
| Cost of funding earning assets | 1.0520% | 3,840 |
| Net interest margin | 3.0863% | 6,382 |
| Noninterest income to average assets | 0.2093% | 6,239 |
| Noninterest expense to average assets | 4.6634% | 504 |
| Loan and lease loss provision to assets | -1.7478% | 7,567 |
| Net operating income to assets | 0.0750% | 6,157 |
| Return on assets (ROA) | 0.0737% | 6,219 |
| Pretax return on assets | 0.1216% | 6,125 |
| Return on Equity (ROE) | 0.6933% | 6,217 |
| Retained earnings to average equity (ytd only) | -0.1124% | 5,808 |
| Net charge-offs to loans | 0.0549% | 4,384 |
| Credit loss provision to net charge-offs | -3,986.3636% | 6,344 |
| Earnings coverage of net charge-offs (x) | -37.0455% | 5,087 |
| Efficiency ratio | 153.4426% | 145 |
| Assets per employee ($millions) | 6.1857% | 1,079 |
| Cash dividends to net income (ytd only)* | 116.2162% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5097% | 1,445 |
| Loan loss allowance to noncurrent loans | 31.9713% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 9.0485% | 476 |
| Noncurrent loans to loans | 7.8499% | 648 |
| Net loans and leases to total assets | 77.6364% | 779 |
| Net loans and leases to deposits | 90.0182% | 1,225 |
| Net loans and leases to core deposits | 127.3850% | 300 |
| Total domestic deposits to total assets | 86.2452% | 3,370 |
| Equity capital to assets | 9.8652% | 3,945 |
| Core capital (leverage) ratio | 9.1401% | 4,389 |
| Tier 1 risk-based capital ratio | 11.3935% | 6,179 |
| Total risk-based capital ratio | 12.6582% | 6,161 |
| Memoranda: | ||
| Average total assets | $200,711,000 | 3,101 |
| Average earning assets | $184,037,000 | 3,089 |
| Average equity | $21,347,000 | 2,939 |
| Average total loans | $160,349,000 | 2,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 6,560 |
| Cost of funding earning assets | 1.3043% | 3,854 |
| Net interest margin | 3.1261% | 6,446 |
| Noninterest income to average assets | 0.2477% | 6,025 |
| Noninterest expense to average assets | 3.2949% | 2,754 |
| Loan and lease loss provision to assets | 1.9017% | 715 |
| Net operating income to assets | -2.1824% | 7,102 |
| Return on assets (ROA) | -1.9494% | 7,057 |
| Pretax return on assets | -1.9011% | 6,992 |
| Return on Equity (ROE) | -14.1606% | 6,889 |
| Retained earnings to average equity (ytd only) | -15.0356% | 6,881 |
| Net charge-offs to loans | 0.3816% | 4,134 |
| Credit loss provision to net charge-offs | 631.5094% | 337 |
| Earnings coverage of net charge-offs (x) | -0.7717% | 6,542 |
| Efficiency ratio | 107.5881% | 585 |
| Assets per employee ($millions) | 5.2835% | 1,768 |
| Cash dividends to net income (ytd only)* | -6.1790% | 7,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5242% | 592 |
| Loan loss allowance to noncurrent loans | 43.0939% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 10.0198% | 410 |
| Noncurrent loans to loans | 8.1779% | 621 |
| Net loans and leases to total assets | 77.3636% | 1,038 |
| Net loans and leases to deposits | 95.7347% | 893 |
| Net loans and leases to core deposits | 130.5820% | 323 |
| Total domestic deposits to total assets | 80.8104% | 5,586 |
| Equity capital to assets | 11.5378% | 2,230 |
| Core capital (leverage) ratio | 11.2493% | 1,983 |
| Tier 1 risk-based capital ratio | 13.5430% | 4,169 |
| Total risk-based capital ratio | 14.8219% | 4,121 |
| Memoranda: | ||
| Average total assets | $176,001,200 | 3,438 |
| Average earning assets | $158,470,400 | 3,474 |
| Average equity | $24,229,200 | 2,634 |
| Average total loans | $138,881,000 | 2,970 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 6,633 |
| Cost of funding earning assets | 1.3662% | 3,799 |
| Net interest margin | 3.1232% | 6,552 |
| Noninterest income to average assets | 0.2417% | 6,162 |
| Noninterest expense to average assets | 2.8205% | 4,402 |
| Loan and lease loss provision to assets | 0.4159% | 3,410 |
| Net operating income to assets | -0.1271% | 6,214 |
| Return on assets (ROA) | 0.0806% | 5,958 |
| Pretax return on assets | 0.1228% | 5,877 |
| Return on Equity (ROE) | 0.5611% | 6,000 |
| Retained earnings to average equity (ytd only) | -0.3366% | 5,871 |
| Net charge-offs to loans | 0.4883% | 3,319 |
| Credit loss provision to net charge-offs | 108.4000% | 3,928 |
| Earnings coverage of net charge-offs (x) | 0.5840% | 5,435 |
| Efficiency ratio | 92.6411% | 1,073 |
| Assets per employee ($millions) | 4.9238% | 2,284 |
| Cash dividends to net income (ytd only)* | 159.9929% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 2,685 |
| Loan loss allowance to noncurrent loans | 24.3953% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 8.5434% | 560 |
| Noncurrent loans to loans | 7.5089% | 718 |
| Net loans and leases to total assets | 76.2192% | 1,364 |
| Net loans and leases to deposits | 96.5269% | 923 |
| Net loans and leases to core deposits | 139.0521% | 267 |
| Total domestic deposits to total assets | 78.9615% | 6,030 |
| Equity capital to assets | 14.4721% | 1,026 |
| Core capital (leverage) ratio | 13.7846% | 970 |
| Tier 1 risk-based capital ratio | 17.5643% | 2,155 |
| Total risk-based capital ratio | 18.8213% | 2,125 |
| Memoranda: | ||
| Average total assets | $173,770,750 | 3,515 |
| Average earning assets | $155,948,000 | 3,573 |
| Average equity | $24,952,500 | 2,593 |
| Average total loans | $136,529,000 | 3,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 6,596 |
| Cost of funding earning assets | 1.4051% | 3,846 |
| Net interest margin | 3.1430% | 6,484 |
| Noninterest income to average assets | 0.2353% | 6,224 |
| Noninterest expense to average assets | 2.5871% | 5,369 |
| Loan and lease loss provision to assets | 0.5004% | 2,800 |
| Net operating income to assets | -0.0241% | 6,112 |
| Return on assets (ROA) | 0.1779% | 5,765 |
| Pretax return on assets | 0.2824% | 5,557 |
| Return on Equity (ROE) | 1.2422% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.2404% | 5,657 |
| Net charge-offs to loans | 0.4438% | 3,206 |
| Credit loss provision to net charge-offs | 142.9508% | 2,776 |
| Earnings coverage of net charge-offs (x) | 1.3344% | 4,493 |
| Efficiency ratio | 84.7050% | 1,845 |
| Assets per employee ($millions) | 5.3912% | 1,715 |
| Cash dividends to net income (ytd only)* | 80.6452% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 2,452 |
| Loan loss allowance to noncurrent loans | 31.3194% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 6.7158% | 810 |
| Noncurrent loans to loans | 6.0208% | 1,060 |
| Net loans and leases to total assets | 76.6065% | 1,367 |
| Net loans and leases to deposits | 94.9609% | 1,154 |
| Net loans and leases to core deposits | 169.4924% | 139 |
| Total domestic deposits to total assets | 80.6716% | 5,516 |
| Equity capital to assets | 14.4878% | 1,015 |
| Core capital (leverage) ratio | 13.7255% | 991 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,355 |
| Total risk-based capital ratio | 18.0760% | 2,298 |
| Memoranda: | ||
| Average total assets | $174,250,330 | 3,531 |
| Average earning assets | $156,284,330 | 3,594 |
| Average equity | $24,956,670 | 2,596 |
| Average total loans | $137,438,330 | 3,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 6,926 |
| Cost of funding earning assets | 1.4170% | 4,070 |
| Net interest margin | 3.0197% | 6,785 |
| Noninterest income to average assets | 0.2261% | 6,343 |
| Noninterest expense to average assets | 2.5012% | 5,727 |
| Loan and lease loss provision to assets | 0.0845% | 5,792 |
| Net operating income to assets | 0.2398% | 5,546 |
| Return on assets (ROA) | 0.2398% | 5,659 |
| Pretax return on assets | 0.3906% | 5,325 |
| Return on Equity (ROE) | 1.6842% | 5,890 |
| Retained earnings to average equity (ytd only) | 0.3850% | 5,682 |
| Net charge-offs to loans | -0.2161% | 7,688 |
| Credit loss provision to net charge-offs | -49.3333% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0368% | 2,015 |
| Assets per employee ($millions) | 5.5935% | 1,588 |
| Cash dividends to net income (ytd only)* | 77.1429% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 2,632 |
| Loan loss allowance to noncurrent loans | 33.6044% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 6.1344% | 960 |
| Noncurrent loans to loans | 5.4505% | 1,292 |
| Net loans and leases to total assets | 77.9233% | 1,168 |
| Net loans and leases to deposits | 96.3965% | 1,064 |
| Net loans and leases to core deposits | 178.0271% | 133 |
| Total domestic deposits to total assets | 80.8362% | 5,512 |
| Equity capital to assets | 14.4072% | 1,035 |
| Core capital (leverage) ratio | 13.2938% | 1,131 |
| Tier 1 risk-based capital ratio | 17.2301% | 2,185 |
| Total risk-based capital ratio | 18.4874% | 2,134 |
| Memoranda: | ||
| Average total assets | $175,116,500 | 3,575 |
| Average earning assets | $159,488,500 | 3,575 |
| Average equity | $24,938,000 | 2,613 |
| Average total loans | $138,807,500 | 3,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 7,226 |
| Cost of funding earning assets | 2.1185% | 2,374 |
| Net interest margin | 2.5174% | 7,412 |
| Noninterest income to average assets | 0.2151% | 6,572 |
| Noninterest expense to average assets | 3.1095% | 3,691 |
| Loan and lease loss provision to assets | 2.0113% | 1,072 |
| Net operating income to assets | -1.6481% | 6,932 |
| Return on assets (ROA) | -1.6481% | 6,938 |
| Pretax return on assets | -2.6757% | 7,200 |
| Return on Equity (ROE) | -10.9719% | 6,692 |
| Retained earnings to average equity (ytd only) | -11.8766% | 6,673 |
| Net charge-offs to loans | 2.1477% | 1,127 |
| Credit loss provision to net charge-offs | 115.7790% | 4,698 |
| Earnings coverage of net charge-offs (x) | -0.3825% | 6,612 |
| Efficiency ratio | 127.1760% | 502 |
| Assets per employee ($millions) | 5.7043% | 1,462 |
| Cash dividends to net income (ytd only)* | -8.2456% | 7,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 2,830 |
| Loan loss allowance to noncurrent loans | 39.7263% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 4.5885% | 1,403 |
| Noncurrent loans to loans | 4.3322% | 1,660 |
| Net loans and leases to total assets | 77.7943% | 1,430 |
| Net loans and leases to deposits | 95.7181% | 1,365 |
| Net loans and leases to core deposits | 100.5710% | 3,941 |
| Total domestic deposits to total assets | 81.2744% | 5,242 |
| Equity capital to assets | 14.0777% | 1,146 |
| Core capital (leverage) ratio | 13.8235% | 1,015 |
| Tier 1 risk-based capital ratio | 17.0071% | 2,144 |
| Total risk-based capital ratio | 18.2635% | 2,111 |
| Memoranda: | ||
| Average total assets | $172,923,600 | 3,556 |
| Average earning assets | $153,175,600 | 3,650 |
| Average equity | $25,975,400 | 2,531 |
| Average total loans | $139,871,600 | 3,089 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 7,253 |
| Cost of funding earning assets | 2.2914% | 2,011 |
| Net interest margin | 2.4263% | 7,542 |
| Noninterest income to average assets | 0.2256% | 6,618 |
| Noninterest expense to average assets | 2.4542% | 6,232 |
| Loan and lease loss provision to assets | 1.8292% | 1,020 |
| Net operating income to assets | -1.1841% | 6,949 |
| Return on assets (ROA) | -1.1841% | 6,954 |
| Pretax return on assets | -1.9230% | 7,140 |
| Return on Equity (ROE) | -7.7573% | 6,708 |
| Retained earnings to average equity (ytd only) | -8.5396% | 6,661 |
| Net charge-offs to loans | 0.6235% | 2,808 |
| Credit loss provision to net charge-offs | 360.7034% | 1,131 |
| Earnings coverage of net charge-offs (x) | -0.1850% | 6,274 |
| Efficiency ratio | 103.9750% | 922 |
| Assets per employee ($millions) | 5.7708% | 1,373 |
| Cash dividends to net income (ytd only)* | -10.0852% | 7,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 983 |
| Loan loss allowance to noncurrent loans | 51.2387% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 5.8669% | 935 |
| Noncurrent loans to loans | 5.0426% | 1,296 |
| Net loans and leases to total assets | 79.2732% | 1,331 |
| Net loans and leases to deposits | 115.4644% | 280 |
| Net loans and leases to core deposits | 123.0596% | 1,990 |
| Total domestic deposits to total assets | 68.6560% | 7,519 |
| Equity capital to assets | 15.1643% | 958 |
| Core capital (leverage) ratio | 15.5820% | 745 |
| Tier 1 risk-based capital ratio | 18.9952% | 1,748 |
| Total risk-based capital ratio | 20.2628% | 1,705 |
| Memoranda: | ||
| Average total assets | $171,946,250 | 3,594 |
| Average earning assets | $151,284,750 | 3,700 |
| Average equity | $26,245,750 | 2,535 |
| Average total loans | $139,845,750 | 3,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6008% | 7,533 |
| Cost of funding earning assets | 2.4046% | 1,956 |
| Net interest margin | 2.1962% | 7,751 |
| Noninterest income to average assets | 0.2203% | 6,721 |
| Noninterest expense to average assets | 2.4867% | 6,162 |
| Loan and lease loss provision to assets | 0.7543% | 2,178 |
| Net operating income to assets | -0.6505% | 6,703 |
| Return on assets (ROA) | -0.6505% | 6,710 |
| Pretax return on assets | -1.0551% | 6,856 |
| Return on Equity (ROE) | -4.2525% | 6,513 |
| Retained earnings to average equity (ytd only) | -5.0908% | 6,315 |
| Net charge-offs to loans | 0.8946% | 1,908 |
| Credit loss provision to net charge-offs | 103.6859% | 4,428 |
| Earnings coverage of net charge-offs (x) | -0.4135% | 6,024 |
| Efficiency ratio | 113.7600% | 767 |
| Assets per employee ($millions) | 6.0150% | 1,210 |
| Cash dividends to net income (ytd only)* | -19.7133% | 7,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 3,767 |
| Loan loss allowance to noncurrent loans | 129.1557% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 2.6686% | 2,404 |
| Noncurrent loans to loans | 1.0783% | 5,046 |
| Net loans and leases to total assets | 79.4756% | 1,408 |
| Net loans and leases to deposits | 109.6762% | 564 |
| Net loans and leases to core deposits | 120.4455% | 2,329 |
| Total domestic deposits to total assets | 72.4638% | 7,195 |
| Equity capital to assets | 15.5587% | 913 |
| Core capital (leverage) ratio | 16.0236% | 740 |
| Tier 1 risk-based capital ratio | 19.6261% | 1,646 |
| Total risk-based capital ratio | 20.8778% | 1,608 |
| Memoranda: | ||
| Average total assets | $171,553,670 | 3,612 |
| Average earning assets | $153,537,000 | 3,674 |
| Average equity | $26,243,330 | 2,538 |
| Average total loans | $139,500,670 | 3,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 7,739 |
| Cost of funding earning assets | 2.5495% | 1,740 |
| Net interest margin | 1.9257% | 7,930 |
| Noninterest income to average assets | 0.2563% | 6,404 |
| Noninterest expense to average assets | 2.4337% | 6,082 |
| Loan and lease loss provision to assets | 0.8018% | 1,610 |
| Net operating income to assets | -0.7571% | 7,104 |
| Return on assets (ROA) | -0.7571% | 7,138 |
| Pretax return on assets | -1.2298% | 7,269 |
| Return on Equity (ROE) | -4.9932% | 6,974 |
| Retained earnings to average equity (ytd only) | -6.0167% | 6,686 |
| Net charge-offs to loans | 1.5372% | 941 |
| Credit loss provision to net charge-offs | 63.8577% | 4,457 |
| Earnings coverage of net charge-offs (x) | -0.3408% | 5,200 |
| Efficiency ratio | 121.3365% | 612 |
| Assets per employee ($millions) | 5.3074% | 1,734 |
| Cash dividends to net income (ytd only)* | -20.4969% | 8,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,343 |
| Loan loss allowance to noncurrent loans | 84.4401% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 2.9717% | 1,898 |
| Noncurrent loans to loans | 1.4923% | 4,052 |
| Net loans and leases to total assets | 80.3695% | 1,318 |
| Net loans and leases to deposits | 115.0940% | 407 |
| Net loans and leases to core deposits | 321.1189% | 33 |
| Total domestic deposits to total assets | 69.8295% | 7,441 |
| Equity capital to assets | 16.1307% | 853 |
| Core capital (leverage) ratio | 16.2143% | 752 |
| Tier 1 risk-based capital ratio | 20.0625% | 1,612 |
| Total risk-based capital ratio | 21.3130% | 1,566 |
| Memoranda: | ||
| Average total assets | $170,112,500 | 3,648 |
| Average earning assets | $154,541,500 | 3,671 |
| Average equity | $25,795,000 | 2,584 |
| Average total loans | $138,955,000 | 3,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7954% | 6,449 |
| Cost of funding earning assets | 3.0040% | 1,853 |
| Net interest margin | 2.7915% | 7,346 |
| Noninterest income to average assets | 0.0907% | 7,682 |
| Noninterest expense to average assets | 2.3682% | 6,510 |
| Loan and lease loss provision to assets | 0.8043% | 1,844 |
| Net operating income to assets | -0.3149% | 6,750 |
| Return on assets (ROA) | -0.3149% | 6,616 |
| Pretax return on assets | -0.4827% | 6,638 |
| Return on Equity (ROE) | -2.0939% | 6,519 |
| Retained earnings to average equity (ytd only) | -2.0939% | 5,904 |
| Net charge-offs to loans | 0.5623% | 2,129 |
| Credit loss provision to net charge-offs | 175.5348% | 2,894 |
| Earnings coverage of net charge-offs (x) | 0.7019% | 5,802 |
| Efficiency ratio | 88.0437% | 1,676 |
| Assets per employee ($millions) | 5.1632% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 3,284 |
| Loan loss allowance to noncurrent loans | 71.6136% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.9333% | 1,576 |
| Noncurrent loans to loans | 1.9346% | 2,854 |
| Net loans and leases to total assets | 80.8366% | 1,483 |
| Net loans and leases to deposits | 113.5004% | 637 |
| Net loans and leases to core deposits | 309.9487% | 43 |
| Total domestic deposits to total assets | 71.2214% | 7,131 |
| Equity capital to assets | 14.1994% | 1,374 |
| Core capital (leverage) ratio | 13.8434% | 1,295 |
| Tier 1 risk-based capital ratio | 17.8411% | 2,081 |
| Total risk-based capital ratio | 19.0930% | 2,018 |
| Memoranda: | ||
| Average total assets | $163,247,400 | 3,661 |
| Average earning assets | $151,998,600 | 3,615 |
| Average equity | $24,547,400 | 2,685 |
| Average total loans | $133,033,600 | 3,220 |