Home > Bank of Bird-in-Hand > Performance and Condition Ratios
Bank of Bird-in-Hand, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 2,018 |
| Cost of funding earning assets | 3.0598% | 461 |
| Net interest margin | 2.4731% | 3,932 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 1.8298% | 3,881 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.5372% | 3,379 |
| Return on assets (ROA) | 0.5372% | 3,399 |
| Pretax return on assets | 0.6971% | 3,274 |
| Return on Equity (ROE) | 5.4400% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.4438% | 2,289 |
| Net charge-offs to loans | 0.0009% | 2,791 |
| Credit loss provision to net charge-offs | 8,522.2222% | 65 |
| Earnings coverage of net charge-offs (x) | 933.5556% | 131 |
| Efficiency ratio | 70.4540% | 1,964 |
| Assets per employee ($millions) | 9.8014% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 4,249 |
| Loan loss allowance to noncurrent loans | 3,765.7005% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,690 |
| Noncurrent loans to loans | 0.0154% | 3,689 |
| Net loans and leases to total assets | 84.5000% | 226 |
| Net loans and leases to deposits | 102.0360% | 398 |
| Net loans and leases to core deposits | 117.5140% | 685 |
| Total domestic deposits to total assets | 82.8100% | 2,907 |
| Equity capital to assets | 9.3254% | 2,795 |
| Core capital (leverage) ratio | 9.5496% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7395% | 2,617 |
| Memoranda: | ||
| Average total assets | $1,459,839,000 | 738 |
| Average earning assets | $1,392,551,250 | 717 |
| Average equity | $144,062,500 | 740 |
| Average total loans | $1,269,262,750 | 625 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 2,123 |
| Cost of funding earning assets | 2.9463% | 508 |
| Net interest margin | 2.4693% | 3,919 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 1.8403% | 3,872 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.5156% | 3,392 |
| Return on assets (ROA) | 0.5156% | 3,417 |
| Pretax return on assets | 0.6657% | 3,304 |
| Return on Equity (ROE) | 5.1200% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.1206% | 2,298 |
| Net charge-offs to loans | 0.0013% | 2,545 |
| Credit loss provision to net charge-offs | 7,812.5000% | 66 |
| Earnings coverage of net charge-offs (x) | 669.6250% | 177 |
| Efficiency ratio | 70.9285% | 1,988 |
| Assets per employee ($millions) | 9.9683% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 4,255 |
| Loan loss allowance to noncurrent loans | 4,374.2857% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,691 |
| Noncurrent loans to loans | 0.0134% | 3,688 |
| Net loans and leases to total assets | 86.6700% | 129 |
| Net loans and leases to deposits | 107.3764% | 270 |
| Net loans and leases to core deposits | 123.6214% | 536 |
| Total domestic deposits to total assets | 80.7200% | 3,326 |
| Equity capital to assets | 9.6927% | 2,273 |
| Core capital (leverage) ratio | 10.0628% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7206% | 2,642 |
| Memoranda: | ||
| Average total assets | $1,420,445,000 | 761 |
| Average earning assets | $1,354,661,333 | 733 |
| Average equity | $143,031,333 | 738 |
| Average total loans | $1,245,300,000 | 644 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 2,111 |
| Cost of funding earning assets | 2.8902% | 510 |
| Net interest margin | 2.4573% | 3,931 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.8857% | 3,804 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.4795% | 3,452 |
| Return on assets (ROA) | 0.4795% | 3,477 |
| Pretax return on assets | 0.6155% | 3,358 |
| Return on Equity (ROE) | 4.6700% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.6677% | 2,503 |
| Net charge-offs to loans | 0.0023% | 2,100 |
| Credit loss provision to net charge-offs | 4,257.1429% | 107 |
| Earnings coverage of net charge-offs (x) | 346.8571% | 268 |
| Efficiency ratio | 72.8654% | 1,862 |
| Assets per employee ($millions) | 9.1676% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5894% | 4,248 |
| Loan loss allowance to noncurrent loans | 4,188.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,721 |
| Noncurrent loans to loans | 0.0141% | 3,684 |
| Net loans and leases to total assets | 88.1200% | 75 |
| Net loans and leases to deposits | 109.7154% | 198 |
| Net loans and leases to core deposits | 124.6275% | 506 |
| Total domestic deposits to total assets | 80.3200% | 3,480 |
| Equity capital to assets | 10.1887% | 1,899 |
| Core capital (leverage) ratio | 10.3308% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1676% | 2,537 |
| Memoranda: | ||
| Average total assets | $1,383,044,500 | 788 |
| Average earning assets | $1,319,634,000 | 758 |
| Average equity | $142,082,000 | 743 |
| Average total loans | $1,216,138,500 | 658 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 2,333 |
| Cost of funding earning assets | 2.2411% | 597 |
| Net interest margin | 2.6334% | 3,925 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8315% | 3,950 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6191% | 3,390 |
| Return on assets (ROA) | 0.6191% | 3,378 |
| Pretax return on assets | 0.8121% | 3,183 |
| Return on Equity (ROE) | 6.2500% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.6481% | 2,736 |
| Net charge-offs to loans | 0.0003% | 2,903 |
| Credit loss provision to net charge-offs | 34,833.3333% | 10 |
| Earnings coverage of net charge-offs (x) | 3,709.6667% | 29 |
| Efficiency ratio | 67.1372% | 2,217 |
| Assets per employee ($millions) | 8.9114% | 1,017 |
| Cash dividends to net income (ytd only)* | 25.5790% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 4,256 |
| Loan loss allowance to noncurrent loans | 4,044.8276% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,678 |
| Noncurrent loans to loans | 0.0146% | 3,642 |
| Net loans and leases to total assets | 86.6800% | 133 |
| Net loans and leases to deposits | 108.4867% | 230 |
| Net loans and leases to core deposits | 122.9741% | 544 |
| Total domestic deposits to total assets | 79.9000% | 3,479 |
| Equity capital to assets | 10.3600% | 1,806 |
| Core capital (leverage) ratio | 10.7731% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3686% | 2,465 |
| Memoranda: | ||
| Average total assets | $1,241,388,400 | 833 |
| Average earning assets | $1,182,480,600 | 804 |
| Average equity | $123,060,200 | 804 |
| Average total loans | $1,076,664,800 | 689 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 2,340 |
| Cost of funding earning assets | 2.1260% | 568 |
| Net interest margin | 2.6401% | 3,965 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8566% | 3,874 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6015% | 3,541 |
| Return on assets (ROA) | 0.6015% | 3,528 |
| Pretax return on assets | 0.7905% | 3,357 |
| Return on Equity (ROE) | 6.1500% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.9342% | 3,275 |
| Net charge-offs to loans | 0.0003% | 2,657 |
| Credit loss provision to net charge-offs | 36,750.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,957.5000% | 18 |
| Efficiency ratio | 68.0538% | 2,008 |
| Assets per employee ($millions) | 8.5621% | 1,094 |
| Cash dividends to net income (ytd only)* | 35.9876% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 4,268 |
| Loan loss allowance to noncurrent loans | 899.5989% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,231 |
| Noncurrent loans to loans | 0.0665% | 3,281 |
| Net loans and leases to total assets | 87.5900% | 94 |
| Net loans and leases to deposits | 107.0533% | 271 |
| Net loans and leases to core deposits | 122.0210% | 502 |
| Total domestic deposits to total assets | 81.8200% | 3,246 |
| Equity capital to assets | 9.6544% | 2,012 |
| Core capital (leverage) ratio | 9.8029% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4171% | 2,747 |
| Memoranda: | ||
| Average total assets | $1,210,872,750 | 854 |
| Average earning assets | $1,155,143,500 | 823 |
| Average equity | $118,512,000 | 830 |
| Average total loans | $1,048,612,500 | 702 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 2,409 |
| Cost of funding earning assets | 1.9564% | 545 |
| Net interest margin | 2.6480% | 4,043 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.8713% | 3,877 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.6137% | 3,546 |
| Return on assets (ROA) | 0.6137% | 3,549 |
| Pretax return on assets | 0.8106% | 3,380 |
| Return on Equity (ROE) | 6.2400% | 3,640 |
| Retained earnings to average equity (ytd only) | 2.8864% | 3,510 |
| Net charge-offs to loans | 0.0002% | 2,449 |
| Credit loss provision to net charge-offs | 30,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 5,121.0000% | 14 |
| Efficiency ratio | 68.4823% | 1,925 |
| Assets per employee ($millions) | 8.5063% | 1,090 |
| Cash dividends to net income (ytd only)* | 53.7408% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 4,311 |
| Loan loss allowance to noncurrent loans | 813.3075% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,140 |
| Noncurrent loans to loans | 0.0725% | 3,176 |
| Net loans and leases to total assets | 85.4000% | 183 |
| Net loans and leases to deposits | 106.1730% | 302 |
| Net loans and leases to core deposits | 122.7793% | 456 |
| Total domestic deposits to total assets | 80.4300% | 3,514 |
| Equity capital to assets | 9.4987% | 2,159 |
| Core capital (leverage) ratio | 9.7607% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5448% | 2,753 |
| Memoranda: | ||
| Average total assets | $1,189,243,667 | 856 |
| Average earning assets | $1,136,469,333 | 823 |
| Average equity | $116,960,333 | 834 |
| Average total loans | $1,023,419,333 | 698 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,451 |
| Cost of funding earning assets | 1.6505% | 633 |
| Net interest margin | 2.7842% | 3,965 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8271% | 3,981 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7388% | 3,375 |
| Return on assets (ROA) | 0.7388% | 3,333 |
| Pretax return on assets | 0.9861% | 3,034 |
| Return on Equity (ROE) | 7.3800% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.3778% | 2,398 |
| Net charge-offs to loans | 0.0004% | 2,054 |
| Credit loss provision to net charge-offs | 15,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 3,025.0000% | 26 |
| Efficiency ratio | 63.7160% | 2,497 |
| Assets per employee ($millions) | 8.5240% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 4,353 |
| Loan loss allowance to noncurrent loans | 768.7500% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,130 |
| Noncurrent loans to loans | 0.0784% | 3,179 |
| Net loans and leases to total assets | 85.0100% | 184 |
| Net loans and leases to deposits | 106.8160% | 233 |
| Net loans and leases to core deposits | 126.0533% | 325 |
| Total domestic deposits to total assets | 79.5800% | 3,821 |
| Equity capital to assets | 9.9083% | 1,865 |
| Core capital (leverage) ratio | 10.3375% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1474% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,162,907,500 | 886 |
| Average earning assets | $1,112,116,500 | 854 |
| Average equity | $116,457,500 | 845 |
| Average total loans | $1,001,699,000 | 722 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 2,430 |
| Cost of funding earning assets | 0.7652% | 442 |
| Net interest margin | 2.9750% | 3,515 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.6920% | 4,194 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.8343% | 3,208 |
| Return on assets (ROA) | 0.8343% | 3,131 |
| Pretax return on assets | 1.1089% | 2,743 |
| Return on Equity (ROE) | 7.2300% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.6016% | 2,785 |
| Net charge-offs to loans | 0.0476% | 1,210 |
| Credit loss provision to net charge-offs | 636.2283% | 577 |
| Earnings coverage of net charge-offs (x) | 32.8834% | 1,637 |
| Efficiency ratio | 55.1707% | 3,662 |
| Assets per employee ($millions) | 8.6447% | 1,039 |
| Cash dividends to net income (ytd only)* | 22.5441% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7959% | 4,036 |
| Loan loss allowance to noncurrent loans | 1,090.9344% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,174 |
| Noncurrent loans to loans | 0.0730% | 3,240 |
| Net loans and leases to total assets | 86.1000% | 152 |
| Net loans and leases to deposits | 109.0674% | 175 |
| Net loans and leases to core deposits | 126.4856% | 272 |
| Total domestic deposits to total assets | 78.9400% | 4,010 |
| Equity capital to assets | 10.1261% | 1,647 |
| Core capital (leverage) ratio | 10.5990% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4076% | 2,609 |
| Memoranda: | ||
| Average total assets | $963,874,400 | 1,014 |
| Average earning assets | $922,138,600 | 978 |
| Average equity | $111,199,600 | 872 |
| Average total loans | $846,045,000 | 788 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5344% | 2,511 |
| Cost of funding earning assets | 0.6174% | 396 |
| Net interest margin | 2.9170% | 3,442 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6597% | 4,224 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 0.8021% | 3,256 |
| Return on assets (ROA) | 0.8021% | 3,213 |
| Pretax return on assets | 1.0635% | 2,836 |
| Return on Equity (ROE) | 6.7000% | 3,652 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,281 |
| Net charge-offs to loans | 0.0642% | 847 |
| Credit loss provision to net charge-offs | 524.2967% | 594 |
| Earnings coverage of net charge-offs (x) | 24.0460% | 1,638 |
| Efficiency ratio | 54.9626% | 3,729 |
| Assets per employee ($millions) | 8.3514% | 1,142 |
| Cash dividends to net income (ytd only)* | 32.6961% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,094 |
| Loan loss allowance to noncurrent loans | 91,500.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,037 |
| Noncurrent loans to loans | 0.0009% | 3,980 |
| Net loans and leases to total assets | 86.4300% | 100 |
| Net loans and leases to deposits | 110.9285% | 117 |
| Net loans and leases to core deposits | 122.4084% | 225 |
| Total domestic deposits to total assets | 77.9200% | 4,265 |
| Equity capital to assets | 10.6556% | 1,309 |
| Core capital (leverage) ratio | 11.0034% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9553% | 2,492 |
| Memoranda: | ||
| Average total assets | $921,728,250 | 1,059 |
| Average earning assets | $882,626,750 | 1,023 |
| Average equity | $110,331,000 | 897 |
| Average total loans | $811,850,000 | 810 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 2,676 |
| Cost of funding earning assets | 0.4998% | 520 |
| Net interest margin | 2.8206% | 3,377 |
| Noninterest income to average assets | 0.2341% | 3,778 |
| Noninterest expense to average assets | 1.6593% | 4,199 |
| Loan and lease loss provision to assets | 0.3571% | 167 |
| Net operating income to assets | 0.7003% | 3,310 |
| Return on assets (ROA) | 0.7003% | 3,264 |
| Pretax return on assets | 0.9216% | 2,989 |
| Return on Equity (ROE) | 5.6045% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.6045% | 2,469 |
| Net charge-offs to loans | 0.1009% | 582 |
| Credit loss provision to net charge-offs | 400.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 14.3240% | 1,659 |
| Efficiency ratio | 56.4762% | 3,726 |
| Assets per employee ($millions) | 8.4227% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 4,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 86.9601% | 67 |
| Net loans and leases to deposits | 113.5252% | 69 |
| Net loans and leases to core deposits | 125.5198% | 146 |
| Total domestic deposits to total assets | 76.5998% | 4,431 |
| Equity capital to assets | 11.4090% | 1,060 |
| Core capital (leverage) ratio | 12.0493% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6970% | 2,210 |
| Memoranda: | ||
| Average total assets | $878,210,667 | 1,098 |
| Average earning assets | $841,866,667 | 1,074 |
| Average equity | $109,732,333 | 904 |
| Average total loans | $776,850,333 | 824 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 2,538 |
| Cost of funding earning assets | 0.3936% | 905 |
| Net interest margin | 2.8549% | 2,975 |
| Noninterest income to average assets | 0.2307% | 3,767 |
| Noninterest expense to average assets | 1.7090% | 4,124 |
| Loan and lease loss provision to assets | 0.4126% | 125 |
| Net operating income to assets | 0.6453% | 3,247 |
| Return on assets (ROA) | 0.6453% | 3,227 |
| Pretax return on assets | 0.8431% | 2,967 |
| Return on Equity (ROE) | 4.9126% | 3,647 |
| Retained earnings to average equity (ytd only) | 4.9126% | 2,618 |
| Net charge-offs to loans | 0.2176% | 285 |
| Credit loss provision to net charge-offs | 213.2170% | 757 |
| Earnings coverage of net charge-offs (x) | 6.4888% | 1,569 |
| Efficiency ratio | 57.6428% | 3,720 |
| Assets per employee ($millions) | 8.0534% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 88.0861% | 27 |
| Net loans and leases to deposits | 113.3425% | 51 |
| Net loans and leases to core deposits | 118.4524% | 159 |
| Total domestic deposits to total assets | 77.7167% | 4,424 |
| Equity capital to assets | 12.7226% | 754 |
| Core capital (leverage) ratio | 13.1987% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9885% | 1,797 |
| Memoranda: | ||
| Average total assets | $828,797,500 | 1,160 |
| Average earning assets | $793,711,500 | 1,136 |
| Average equity | $108,863,500 | 939 |
| Average total loans | $737,041,000 | 847 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2357% | 3,388 |
| Cost of funding earning assets | 0.3820% | 1,667 |
| Net interest margin | 2.8537% | 3,550 |
| Noninterest income to average assets | 0.2410% | 3,937 |
| Noninterest expense to average assets | 1.6866% | 4,314 |
| Loan and lease loss provision to assets | 0.2032% | 522 |
| Net operating income to assets | 0.8222% | 3,266 |
| Return on assets (ROA) | 0.8222% | 3,338 |
| Pretax return on assets | 1.0895% | 3,009 |
| Return on Equity (ROE) | 6.2514% | 3,716 |
| Retained earnings to average equity (ytd only) | 4.7334% | 2,899 |
| Net charge-offs to loans | 0.0003% | 2,694 |
| Credit loss provision to net charge-offs | 68,600.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,364.0000% | 29 |
| Efficiency ratio | 56.6095% | 3,627 |
| Assets per employee ($millions) | 8.5579% | 1,062 |
| Cash dividends to net income (ytd only)* | 24.2839% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7985% | 4,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 88.3620% | 27 |
| Net loans and leases to deposits | 118.3865% | 43 |
| Net loans and leases to core deposits | 120.9894% | 155 |
| Total domestic deposits to total assets | 74.6386% | 4,569 |
| Equity capital to assets | 13.5818% | 746 |
| Core capital (leverage) ratio | 14.5096% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0200% | 1,503 |
| Memoranda: | ||
| Average total assets | $675,157,600 | 1,317 |
| Average earning assets | $647,865,800 | 1,293 |
| Average equity | $88,795,400 | 1,117 |
| Average total loans | $591,360,200 | 1,026 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2377% | 3,536 |
| Cost of funding earning assets | 0.3793% | 1,860 |
| Net interest margin | 2.8583% | 3,636 |
| Noninterest income to average assets | 0.2433% | 3,939 |
| Noninterest expense to average assets | 1.6873% | 4,347 |
| Loan and lease loss provision to assets | 0.2299% | 422 |
| Net operating income to assets | 0.8091% | 3,509 |
| Return on assets (ROA) | 0.8091% | 3,577 |
| Pretax return on assets | 1.0692% | 3,273 |
| Return on Equity (ROE) | 6.2147% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.0743% | 3,556 |
| Net charge-offs to loans | 0.0005% | 2,440 |
| Credit loss provision to net charge-offs | 55,600.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 3,142.0000% | 41 |
| Efficiency ratio | 56.5001% | 3,467 |
| Assets per employee ($millions) | 7.6508% | 1,471 |
| Cash dividends to net income (ytd only)* | 34.4405% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8514% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 88.3923% | 33 |
| Net loans and leases to deposits | 107.3404% | 120 |
| Net loans and leases to core deposits | 109.7771% | 328 |
| Total domestic deposits to total assets | 82.3476% | 3,854 |
| Equity capital to assets | 13.5560% | 835 |
| Core capital (leverage) ratio | 13.9897% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8961% | 1,655 |
| Memoranda: | ||
| Average total assets | $644,976,500 | 1,386 |
| Average earning assets | $618,951,500 | 1,352 |
| Average equity | $83,970,500 | 1,177 |
| Average total loans | $561,970,750 | 1,092 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2178% | 3,636 |
| Cost of funding earning assets | 0.3948% | 1,932 |
| Net interest margin | 2.8230% | 3,741 |
| Noninterest income to average assets | 0.2521% | 3,889 |
| Noninterest expense to average assets | 1.6124% | 4,495 |
| Loan and lease loss provision to assets | 0.2335% | 435 |
| Net operating income to assets | 0.8407% | 3,395 |
| Return on assets (ROA) | 0.8407% | 3,469 |
| Pretax return on assets | 1.1111% | 3,177 |
| Return on Equity (ROE) | 6.5606% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.1826% | 3,785 |
| Net charge-offs to loans | 0.0004% | 2,239 |
| Credit loss provision to net charge-offs | 72,700.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 4,187.0000% | 18 |
| Efficiency ratio | 54.5287% | 3,739 |
| Assets per employee ($millions) | 7.8261% | 1,288 |
| Cash dividends to net income (ytd only)* | 51.4897% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 4,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 87.8424% | 45 |
| Net loans and leases to deposits | 105.2394% | 170 |
| Net loans and leases to core deposits | 107.5884% | 424 |
| Total domestic deposits to total assets | 83.4691% | 3,586 |
| Equity capital to assets | 12.0640% | 1,331 |
| Core capital (leverage) ratio | 12.6493% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1987% | 2,292 |
| Memoranda: | ||
| Average total assets | $622,793,667 | 1,416 |
| Average earning assets | $596,734,333 | 1,385 |
| Average equity | $79,809,333 | 1,221 |
| Average total loans | $537,849,667 | 1,128 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 3,705 |
| Cost of funding earning assets | 0.4078% | 2,033 |
| Net interest margin | 2.7876% | 3,792 |
| Noninterest income to average assets | 0.2593% | 3,850 |
| Noninterest expense to average assets | 1.6131% | 4,513 |
| Loan and lease loss provision to assets | 0.1616% | 780 |
| Net operating income to assets | 0.8724% | 3,203 |
| Return on assets (ROA) | 0.8724% | 3,285 |
| Pretax return on assets | 1.1530% | 2,978 |
| Return on Equity (ROE) | 6.5940% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.5940% | 2,697 |
| Net charge-offs to loans | 0.0008% | 1,914 |
| Credit loss provision to net charge-offs | 24,300.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 1,977.0000% | 38 |
| Efficiency ratio | 55.0988% | 3,652 |
| Assets per employee ($millions) | 7.7867% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.7131% | 123 |
| Net loans and leases to deposits | 99.7271% | 294 |
| Net loans and leases to core deposits | 102.0593% | 629 |
| Total domestic deposits to total assets | 84.9449% | 3,118 |
| Equity capital to assets | 12.8897% | 948 |
| Core capital (leverage) ratio | 13.4061% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5560% | 1,723 |
| Memoranda: | ||
| Average total assets | $601,580,500 | 1,448 |
| Average earning assets | $575,838,500 | 1,418 |
| Average equity | $79,588,000 | 1,216 |
| Average total loans | $512,093,500 | 1,162 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 3,815 |
| Cost of funding earning assets | 0.8676% | 958 |
| Net interest margin | 2.7320% | 4,340 |
| Noninterest income to average assets | 0.2433% | 4,031 |
| Noninterest expense to average assets | 1.6835% | 4,636 |
| Loan and lease loss provision to assets | 0.1703% | 2,254 |
| Net operating income to assets | 0.7826% | 3,163 |
| Return on assets (ROA) | 0.7826% | 3,285 |
| Pretax return on assets | 1.0203% | 2,978 |
| Return on Equity (ROE) | 6.3703% | 3,459 |
| Retained earnings to average equity (ytd only) | 4.7710% | 2,385 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5760% | 3,649 |
| Assets per employee ($millions) | 7.1633% | 1,468 |
| Cash dividends to net income (ytd only)* | 25.1054% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 4,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 84.0458% | 172 |
| Net loans and leases to deposits | 99.9142% | 377 |
| Net loans and leases to core deposits | 102.5610% | 785 |
| Total domestic deposits to total assets | 84.1180% | 3,081 |
| Equity capital to assets | 13.5950% | 900 |
| Core capital (leverage) ratio | 14.0015% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2635% | 1,461 |
| Memoranda: | ||
| Average total assets | $515,057,200 | 1,503 |
| Average earning assets | $495,969,000 | 1,465 |
| Average equity | $63,278,200 | 1,389 |
| Average total loans | $438,041,000 | 1,258 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 3,717 |
| Cost of funding earning assets | 0.9790% | 821 |
| Net interest margin | 2.7535% | 4,395 |
| Noninterest income to average assets | 0.2529% | 3,960 |
| Noninterest expense to average assets | 1.7122% | 4,610 |
| Loan and lease loss provision to assets | 0.1979% | 2,004 |
| Net operating income to assets | 0.7691% | 3,215 |
| Return on assets (ROA) | 0.7691% | 3,329 |
| Pretax return on assets | 0.9992% | 3,071 |
| Return on Equity (ROE) | 6.4602% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.1878% | 2,953 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8533% | 3,542 |
| Assets per employee ($millions) | 7.2934% | 1,325 |
| Cash dividends to net income (ytd only)* | 35.1755% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.4698% | 175 |
| Net loans and leases to deposits | 98.3082% | 606 |
| Net loans and leases to core deposits | 101.6444% | 1,051 |
| Total domestic deposits to total assets | 86.9407% | 1,687 |
| Equity capital to assets | 12.7868% | 1,286 |
| Core capital (leverage) ratio | 13.1692% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6870% | 1,598 |
| Memoranda: | ||
| Average total assets | $498,764,500 | 1,530 |
| Average earning assets | $481,171,250 | 1,476 |
| Average equity | $59,377,250 | 1,448 |
| Average total loans | $424,564,250 | 1,277 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,720 |
| Cost of funding earning assets | 1.1162% | 676 |
| Net interest margin | 2.7437% | 4,514 |
| Noninterest income to average assets | 0.2597% | 3,921 |
| Noninterest expense to average assets | 1.7147% | 4,670 |
| Loan and lease loss provision to assets | 0.1879% | 2,143 |
| Net operating income to assets | 0.7761% | 3,130 |
| Return on assets (ROA) | 0.7761% | 3,243 |
| Pretax return on assets | 1.0071% | 3,002 |
| Return on Equity (ROE) | 6.7001% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.7001% | 1,776 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9313% | 3,565 |
| Assets per employee ($millions) | 7.4298% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.5723% | 528 |
| Net loans and leases to deposits | 93.7952% | 977 |
| Net loans and leases to core deposits | 97.0896% | 1,490 |
| Total domestic deposits to total assets | 85.9023% | 2,058 |
| Equity capital to assets | 10.9628% | 2,377 |
| Core capital (leverage) ratio | 11.6791% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0017% | 2,181 |
| Memoranda: | ||
| Average total assets | $487,547,333 | 1,537 |
| Average earning assets | $470,897,333 | 1,478 |
| Average equity | $56,476,667 | 1,493 |
| Average total loans | $413,016,000 | 1,297 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 3,153 |
| Cost of funding earning assets | 1.4280% | 350 |
| Net interest margin | 2.7914% | 4,575 |
| Noninterest income to average assets | 0.2609% | 3,980 |
| Noninterest expense to average assets | 1.7632% | 4,708 |
| Loan and lease loss provision to assets | 0.2909% | 1,066 |
| Net operating income to assets | 0.7024% | 3,267 |
| Return on assets (ROA) | 0.7024% | 3,341 |
| Pretax return on assets | 0.9026% | 3,135 |
| Return on Equity (ROE) | 5.8854% | 3,358 |
| Retained earnings to average equity (ytd only) | 5.8854% | 1,922 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6354% | 3,791 |
| Assets per employee ($millions) | 7.2125% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 88.4386% | 62 |
| Net loans and leases to deposits | 100.7754% | 505 |
| Net loans and leases to core deposits | 105.1336% | 1,106 |
| Total domestic deposits to total assets | 87.7582% | 1,207 |
| Equity capital to assets | 12.0006% | 2,069 |
| Core capital (leverage) ratio | 12.0611% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0901% | 2,244 |
| Memoranda: | ||
| Average total assets | $467,561,500 | 1,543 |
| Average earning assets | $451,528,500 | 1,489 |
| Average equity | $55,799,500 | 1,503 |
| Average total loans | $405,071,000 | 1,286 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,778 |
| Cost of funding earning assets | 1.6619% | 228 |
| Net interest margin | 2.8894% | 4,667 |
| Noninterest income to average assets | 0.2509% | 4,177 |
| Noninterest expense to average assets | 1.7298% | 4,845 |
| Loan and lease loss provision to assets | 0.1793% | 1,164 |
| Net operating income to assets | 0.8632% | 3,348 |
| Return on assets (ROA) | 0.8632% | 3,437 |
| Pretax return on assets | 1.1158% | 3,119 |
| Return on Equity (ROE) | 6.6725% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.8205% | 2,523 |
| Net charge-offs to loans | -0.0009% | 4,167 |
| Credit loss provision to net charge-offs | -24,866.6667% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1860% | 4,065 |
| Assets per employee ($millions) | 7.2861% | 940 |
| Cash dividends to net income (ytd only)* | 27.7561% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.2842% | 390 |
| Net loans and leases to deposits | 94.7035% | 1,087 |
| Net loans and leases to core deposits | 99.6963% | 1,589 |
| Total domestic deposits to total assets | 87.9420% | 1,149 |
| Equity capital to assets | 11.8674% | 2,228 |
| Core capital (leverage) ratio | 12.0178% | 1,763 |
| Tier 1 risk-based capital ratio | 13.7954% | 3,369 |
| Total risk-based capital ratio | 14.6485% | 3,463 |
| Memoranda: | ||
| Average total assets | $416,122,600 | 1,686 |
| Average earning assets | $399,488,600 | 1,633 |
| Average equity | $53,832,800 | 1,500 |
| Average total loans | $352,503,000 | 1,413 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 2,669 |
| Cost of funding earning assets | 1.6571% | 239 |
| Net interest margin | 2.9598% | 4,682 |
| Noninterest income to average assets | 0.2550% | 4,211 |
| Noninterest expense to average assets | 1.7401% | 4,882 |
| Loan and lease loss provision to assets | 0.1645% | 1,132 |
| Net operating income to assets | 0.9165% | 3,280 |
| Return on assets (ROA) | 0.9165% | 3,363 |
| Pretax return on assets | 1.1870% | 3,019 |
| Return on Equity (ROE) | 6.9189% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,174 |
| Net charge-offs to loans | -0.0008% | 3,987 |
| Credit loss provision to net charge-offs | -24,900.0000% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2834% | 4,141 |
| Assets per employee ($millions) | 7.1831% | 959 |
| Cash dividends to net income (ytd only)* | 35.8687% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.3872% | 798 |
| Net loans and leases to deposits | 91.8634% | 1,452 |
| Net loans and leases to core deposits | 98.8471% | 1,756 |
| Total domestic deposits to total assets | 87.5073% | 1,250 |
| Equity capital to assets | 12.0263% | 2,239 |
| Core capital (leverage) ratio | 12.4834% | 1,578 |
| Tier 1 risk-based capital ratio | 14.6923% | 2,991 |
| Total risk-based capital ratio | 15.5489% | 3,082 |
| Memoranda: | ||
| Average total assets | $403,575,250 | 1,740 |
| Average earning assets | $386,773,000 | 1,689 |
| Average equity | $53,456,250 | 1,509 |
| Average total loans | $342,684,250 | 1,462 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 2,625 |
| Cost of funding earning assets | 1.5975% | 273 |
| Net interest margin | 3.0197% | 4,651 |
| Noninterest income to average assets | 0.2696% | 4,134 |
| Noninterest expense to average assets | 1.7534% | 4,920 |
| Loan and lease loss provision to assets | 0.2092% | 807 |
| Net operating income to assets | 0.9265% | 3,184 |
| Return on assets (ROA) | 0.9265% | 3,242 |
| Pretax return on assets | 1.1977% | 2,914 |
| Return on Equity (ROE) | 6.7527% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.7527% | 1,926 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4829% | 4,310 |
| Assets per employee ($millions) | 6.9419% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,223 |
| Loan loss allowance to noncurrent loans | 1,955.4140% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,580 |
| Noncurrent loans to loans | 0.0442% | 4,489 |
| Net loans and leases to total assets | 83.2033% | 446 |
| Net loans and leases to deposits | 95.6532% | 1,073 |
| Net loans and leases to core deposits | 102.7423% | 1,493 |
| Total domestic deposits to total assets | 86.9843% | 1,599 |
| Equity capital to assets | 12.7880% | 1,693 |
| Core capital (leverage) ratio | 13.6876% | 1,053 |
| Tier 1 risk-based capital ratio | 15.0905% | 2,794 |
| Total risk-based capital ratio | 15.9480% | 2,892 |
| Memoranda: | ||
| Average total assets | $387,255,330 | 1,801 |
| Average earning assets | $370,703,000 | 1,761 |
| Average equity | $53,134,000 | 1,507 |
| Average total loans | $334,597,330 | 1,492 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 2,416 |
| Cost of funding earning assets | 1.5178% | 307 |
| Net interest margin | 3.1219% | 4,550 |
| Noninterest income to average assets | 0.2861% | 3,967 |
| Noninterest expense to average assets | 1.6849% | 5,031 |
| Loan and lease loss provision to assets | 0.2124% | 734 |
| Net operating income to assets | 1.0554% | 2,641 |
| Return on assets (ROA) | 1.0554% | 2,685 |
| Pretax return on assets | 1.3707% | 2,190 |
| Return on Equity (ROE) | 7.4033% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.4033% | 1,881 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5584% | 4,726 |
| Assets per employee ($millions) | 6.9105% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 87.2895% | 132 |
| Net loans and leases to deposits | 103.3738% | 423 |
| Net loans and leases to core deposits | 111.0457% | 877 |
| Total domestic deposits to total assets | 84.4406% | 2,870 |
| Equity capital to assets | 13.9750% | 1,045 |
| Core capital (leverage) ratio | 14.4625% | 825 |
| Tier 1 risk-based capital ratio | 15.8004% | 2,528 |
| Total risk-based capital ratio | 16.6533% | 2,614 |
| Memoranda: | ||
| Average total assets | $369,154,000 | 1,881 |
| Average earning assets | $352,610,000 | 1,836 |
| Average equity | $52,625,000 | 1,507 |
| Average total loans | $324,195,500 | 1,549 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 3,174 |
| Cost of funding earning assets | 1.1289% | 458 |
| Net interest margin | 3.1535% | 4,570 |
| Noninterest income to average assets | 0.2825% | 4,205 |
| Noninterest expense to average assets | 1.8025% | 5,000 |
| Loan and lease loss provision to assets | 0.2194% | 821 |
| Net operating income to assets | 0.9447% | 3,263 |
| Return on assets (ROA) | 0.9447% | 3,257 |
| Pretax return on assets | 1.2973% | 2,509 |
| Return on Equity (ROE) | 7.9367% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.9367% | 1,266 |
| Net charge-offs to loans | 0.0019% | 3,682 |
| Credit loss provision to net charge-offs | 13,340.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 922.2000% | 117 |
| Efficiency ratio | 54.3058% | 4,587 |
| Assets per employee ($millions) | 7.1646% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 86.8428% | 183 |
| Net loans and leases to deposits | 109.0123% | 275 |
| Net loans and leases to core deposits | 115.3925% | 712 |
| Total domestic deposits to total assets | 79.6633% | 4,181 |
| Equity capital to assets | 14.5532% | 825 |
| Core capital (leverage) ratio | 15.3306% | 622 |
| Tier 1 risk-based capital ratio | 16.2353% | 2,328 |
| Total risk-based capital ratio | 17.0670% | 2,409 |
| Memoranda: | ||
| Average total assets | $304,025,000 | 2,133 |
| Average earning assets | $292,753,400 | 2,059 |
| Average equity | $36,186,400 | 2,022 |
| Average total loans | $267,710,800 | 1,741 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,377 |
| Cost of funding earning assets | 1.0729% | 444 |
| Net interest margin | 3.1089% | 4,689 |
| Noninterest income to average assets | 0.2791% | 4,279 |
| Noninterest expense to average assets | 1.7580% | 5,078 |
| Loan and lease loss provision to assets | 0.1997% | 872 |
| Net operating income to assets | 0.9079% | 3,491 |
| Return on assets (ROA) | 0.9079% | 3,495 |
| Pretax return on assets | 1.3261% | 2,521 |
| Return on Equity (ROE) | 8.1904% | 3,472 |
| Retained earnings to average equity (ytd only) | 8.1904% | 1,564 |
| Net charge-offs to loans | 0.0026% | 3,386 |
| Credit loss provision to net charge-offs | 8,700.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 664.4513% | 132 |
| Efficiency ratio | 53.5365% | 4,651 |
| Assets per employee ($millions) | 6.5078% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 87.2654% | 169 |
| Net loans and leases to deposits | 107.7895% | 363 |
| Net loans and leases to core deposits | 114.4769% | 792 |
| Total domestic deposits to total assets | 80.9592% | 3,880 |
| Equity capital to assets | 12.0686% | 1,858 |
| Core capital (leverage) ratio | 12.6569% | 1,436 |
| Tier 1 risk-based capital ratio | 13.1748% | 3,800 |
| Total risk-based capital ratio | 13.9934% | 3,956 |
| Memoranda: | ||
| Average total assets | $290,473,750 | 2,216 |
| Average earning assets | $280,735,250 | 2,141 |
| Average equity | $32,199,500 | 2,204 |
| Average total loans | $256,198,000 | 1,808 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,608 |
| Cost of funding earning assets | 0.9720% | 532 |
| Net interest margin | 3.0801% | 4,768 |
| Noninterest income to average assets | 0.2647% | 4,418 |
| Noninterest expense to average assets | 1.7702% | 5,132 |
| Loan and lease loss provision to assets | 0.2188% | 749 |
| Net operating income to assets | 0.8657% | 3,601 |
| Return on assets (ROA) | 0.8657% | 3,602 |
| Pretax return on assets | 1.2667% | 2,643 |
| Return on Equity (ROE) | 8.0891% | 3,464 |
| Retained earnings to average equity (ytd only) | 8.0891% | 1,592 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3732% | 4,653 |
| Assets per employee ($millions) | 6.7032% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 4,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 86.4097% | 233 |
| Net loans and leases to deposits | 106.8572% | 400 |
| Net loans and leases to core deposits | 113.7189% | 804 |
| Total domestic deposits to total assets | 80.8646% | 4,033 |
| Equity capital to assets | 9.8756% | 3,743 |
| Core capital (leverage) ratio | 10.6240% | 2,896 |
| Tier 1 risk-based capital ratio | 11.2780% | 4,910 |
| Total risk-based capital ratio | 12.1351% | 5,003 |
| Memoranda: | ||
| Average total assets | $278,835,000 | 2,297 |
| Average earning assets | $270,773,330 | 2,204 |
| Average equity | $29,842,670 | 2,360 |
| Average total loans | $246,135,330 | 1,858 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,818 |
| Cost of funding earning assets | 0.8086% | 917 |
| Net interest margin | 3.1303% | 4,644 |
| Noninterest income to average assets | 0.2757% | 4,323 |
| Noninterest expense to average assets | 1.7904% | 5,162 |
| Loan and lease loss provision to assets | 0.2363% | 654 |
| Net operating income to assets | 0.8922% | 3,328 |
| Return on assets (ROA) | 0.8922% | 3,339 |
| Pretax return on assets | 1.2981% | 2,373 |
| Return on Equity (ROE) | 7.9760% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.9760% | 1,844 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8497% | 4,814 |
| Assets per employee ($millions) | 6.3274% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8798% | 4,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 89.3994% | 78 |
| Net loans and leases to deposits | 112.3646% | 201 |
| Net loans and leases to core deposits | 119.1765% | 607 |
| Total domestic deposits to total assets | 79.5619% | 4,485 |
| Equity capital to assets | 10.9648% | 2,623 |
| Core capital (leverage) ratio | 11.5865% | 1,948 |
| Tier 1 risk-based capital ratio | 12.2978% | 4,382 |
| Total risk-based capital ratio | 13.1899% | 4,481 |
| Memoranda: | ||
| Average total assets | $264,080,000 | 2,410 |
| Average earning assets | $257,231,500 | 2,311 |
| Average equity | $29,538,500 | 2,403 |
| Average total loans | $234,829,000 | 1,932 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,408 |
| Cost of funding earning assets | 0.7050% | 995 |
| Net interest margin | 2.9653% | 4,956 |
| Noninterest income to average assets | 0.2835% | 4,433 |
| Noninterest expense to average assets | 1.9260% | 5,082 |
| Loan and lease loss provision to assets | 0.1069% | 2,097 |
| Net operating income to assets | 0.9610% | 2,402 |
| Return on assets (ROA) | 0.9610% | 2,436 |
| Pretax return on assets | 1.0925% | 3,219 |
| Return on Equity (ROE) | 8.2596% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.2596% | 675 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6247% | 3,997 |
| Assets per employee ($millions) | 6.4020% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 86.7924% | 205 |
| Net loans and leases to deposits | 107.7343% | 332 |
| Net loans and leases to core deposits | 115.6630% | 732 |
| Total domestic deposits to total assets | 80.5615% | 4,229 |
| Equity capital to assets | 11.4199% | 2,261 |
| Core capital (leverage) ratio | 12.1781% | 1,510 |
| Tier 1 risk-based capital ratio | 13.1546% | 3,815 |
| Total risk-based capital ratio | 14.0578% | 3,926 |
| Memoranda: | ||
| Average total assets | $219,778,200 | 2,728 |
| Average earning assets | $210,636,400 | 2,659 |
| Average equity | $25,570,200 | 2,637 |
| Average total loans | $190,412,000 | 2,239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,557 |
| Cost of funding earning assets | 0.7119% | 912 |
| Net interest margin | 2.8887% | 5,100 |
| Noninterest income to average assets | 0.2911% | 4,448 |
| Noninterest expense to average assets | 1.8749% | 5,167 |
| Loan and lease loss provision to assets | 0.2424% | 724 |
| Net operating income to assets | 0.8422% | 3,315 |
| Return on assets (ROA) | 0.8422% | 3,363 |
| Pretax return on assets | 0.9391% | 3,904 |
| Return on Equity (ROE) | 7.1988% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,588 |
| Net charge-offs to loans | 0.0007% | 3,777 |
| Credit loss provision to net charge-offs | 38,300.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,871.6316% | 40 |
| Efficiency ratio | 61.3458% | 3,991 |
| Assets per employee ($millions) | 6.2108% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.1895% | 190 |
| Net loans and leases to deposits | 99.3362% | 790 |
| Net loans and leases to core deposits | 106.0045% | 1,272 |
| Total domestic deposits to total assets | 87.7721% | 1,484 |
| Equity capital to assets | 12.0177% | 1,957 |
| Core capital (leverage) ratio | 12.0512% | 1,653 |
| Tier 1 risk-based capital ratio | 13.7049% | 3,572 |
| Total risk-based capital ratio | 14.7462% | 3,615 |
| Memoranda: | ||
| Average total assets | $210,702,750 | 2,840 |
| Average earning assets | $201,701,250 | 2,780 |
| Average equity | $24,651,750 | 2,719 |
| Average total loans | $181,949,750 | 2,313 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,762 |
| Cost of funding earning assets | 0.6751% | 1,022 |
| Net interest margin | 2.8260% | 5,209 |
| Noninterest income to average assets | 0.2927% | 4,457 |
| Noninterest expense to average assets | 1.8866% | 5,205 |
| Loan and lease loss provision to assets | 0.2887% | 541 |
| Net operating income to assets | 0.7258% | 3,731 |
| Return on assets (ROA) | 0.7258% | 3,797 |
| Pretax return on assets | 0.8078% | 4,238 |
| Return on Equity (ROE) | 6.2696% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2696% | 1,981 |
| Net charge-offs to loans | 0.0012% | 3,486 |
| Credit loss provision to net charge-offs | 29,200.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,109.0000% | 60 |
| Efficiency ratio | 63.2416% | 3,796 |
| Assets per employee ($millions) | 5.9894% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.7387% | 840 |
| Net loans and leases to deposits | 91.8336% | 1,520 |
| Net loans and leases to core deposits | 98.3187% | 1,778 |
| Total domestic deposits to total assets | 87.9185% | 1,498 |
| Equity capital to assets | 11.8872% | 2,013 |
| Core capital (leverage) ratio | 13.0678% | 1,152 |
| Tier 1 risk-based capital ratio | 14.6265% | 3,100 |
| Total risk-based capital ratio | 15.7137% | 3,108 |
| Memoranda: | ||
| Average total assets | $202,267,000 | 2,940 |
| Average earning assets | $192,571,670 | 2,876 |
| Average equity | $23,414,670 | 2,840 |
| Average total loans | $173,291,000 | 2,415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4476% | 4,832 |
| Cost of funding earning assets | 0.6293% | 1,191 |
| Net interest margin | 2.8183% | 5,213 |
| Noninterest income to average assets | 0.3087% | 4,345 |
| Noninterest expense to average assets | 1.8499% | 5,304 |
| Loan and lease loss provision to assets | 0.3280% | 376 |
| Net operating income to assets | 0.7524% | 3,466 |
| Return on assets (ROA) | 0.7524% | 3,520 |
| Pretax return on assets | 0.8381% | 3,982 |
| Return on Equity (ROE) | 6.6106% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6106% | 2,021 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3362% | 4,256 |
| Assets per employee ($millions) | 5.6413% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.9847% | 288 |
| Net loans and leases to deposits | 98.5058% | 727 |
| Net loans and leases to core deposits | 106.5692% | 1,063 |
| Total domestic deposits to total assets | 86.2738% | 2,546 |
| Equity capital to assets | 13.4835% | 1,072 |
| Core capital (leverage) ratio | 14.9105% | 622 |
| Tier 1 risk-based capital ratio | 16.2084% | 2,471 |
| Total risk-based capital ratio | 17.3479% | 2,460 |
| Memoranda: | ||
| Average total assets | $186,606,500 | 3,124 |
| Average earning assets | $179,254,500 | 3,043 |
| Average equity | $21,238,500 | 3,059 |
| Average total loans | $164,609,000 | 2,516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 5,197 |
| Cost of funding earning assets | 0.7070% | 790 |
| Net interest margin | 2.5681% | 5,545 |
| Noninterest income to average assets | 0.2825% | 4,721 |
| Noninterest expense to average assets | 1.9001% | 5,364 |
| Loan and lease loss provision to assets | 0.3253% | 556 |
| Net operating income to assets | 0.4786% | 4,717 |
| Return on assets (ROA) | 0.4786% | 4,791 |
| Pretax return on assets | 0.5408% | 4,946 |
| Return on Equity (ROE) | 4.7215% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.7215% | 2,536 |
| Net charge-offs to loans | 0.0016% | 4,225 |
| Credit loss provision to net charge-offs | 23,550.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 132 |
| Efficiency ratio | 68.6891% | 3,135 |
| Assets per employee ($millions) | 5.6709% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 3,474 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 89.8958% | 71 |
| Net loans and leases to deposits | 105.8168% | 351 |
| Net loans and leases to core deposits | 116.0592% | 615 |
| Total domestic deposits to total assets | 84.9542% | 3,070 |
| Equity capital to assets | 8.8722% | 4,942 |
| Core capital (leverage) ratio | 9.1610% | 4,538 |
| Tier 1 risk-based capital ratio | 10.0364% | 5,726 |
| Total risk-based capital ratio | 11.2146% | 5,705 |
| Memoranda: | ||
| Average total assets | $144,784,000 | 3,594 |
| Average earning assets | $140,027,200 | 3,495 |
| Average equity | $14,677,400 | 3,853 |
| Average total loans | $127,352,200 | 2,956 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 5,308 |
| Cost of funding earning assets | 0.7317% | 693 |
| Net interest margin | 2.5042% | 5,653 |
| Noninterest income to average assets | 0.2610% | 4,901 |
| Noninterest expense to average assets | 1.8086% | 5,507 |
| Loan and lease loss provision to assets | 0.3428% | 468 |
| Net operating income to assets | 0.4738% | 4,790 |
| Return on assets (ROA) | 0.4738% | 4,870 |
| Pretax return on assets | 0.5354% | 5,050 |
| Return on Equity (ROE) | 4.5013% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.5013% | 3,134 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3118% | 3,355 |
| Assets per employee ($millions) | 5.4163% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 3,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 84.1213% | 401 |
| Net loans and leases to deposits | 92.8076% | 1,395 |
| Net loans and leases to core deposits | 101.5920% | 1,511 |
| Total domestic deposits to total assets | 90.6405% | 288 |
| Equity capital to assets | 9.1348% | 5,039 |
| Core capital (leverage) ratio | 9.4744% | 4,210 |
| Tier 1 risk-based capital ratio | 11.0899% | 5,321 |
| Total risk-based capital ratio | 12.3286% | 5,232 |
| Memoranda: | ||
| Average total assets | $138,448,250 | 3,719 |
| Average earning assets | $134,119,000 | 3,605 |
| Average equity | $14,573,250 | 3,903 |
| Average total loans | $120,514,000 | 3,064 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2359% | 5,381 |
| Cost of funding earning assets | 0.7382% | 667 |
| Net interest margin | 2.4977% | 5,746 |
| Noninterest income to average assets | 0.2331% | 5,086 |
| Noninterest expense to average assets | 1.8354% | 5,547 |
| Loan and lease loss provision to assets | 0.3634% | 440 |
| Net operating income to assets | 0.4048% | 5,017 |
| Return on assets (ROA) | 0.4048% | 5,101 |
| Pretax return on assets | 0.4569% | 5,229 |
| Return on Equity (ROE) | 3.6456% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.6456% | 3,577 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1109% | 3,131 |
| Assets per employee ($millions) | 6.5658% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 3,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 85.9714% | 255 |
| Net loans and leases to deposits | 95.8965% | 1,089 |
| Net loans and leases to core deposits | 106.8194% | 1,116 |
| Total domestic deposits to total assets | 89.6503% | 617 |
| Equity capital to assets | 10.1178% | 4,074 |
| Core capital (leverage) ratio | 10.9627% | 2,473 |
| Tier 1 risk-based capital ratio | 12.4110% | 4,588 |
| Total risk-based capital ratio | 13.6619% | 4,501 |
| Memoranda: | ||
| Average total assets | $130,435,000 | 3,868 |
| Average earning assets | $126,518,000 | 3,752 |
| Average equity | $14,483,330 | 3,935 |
| Average total loans | $114,571,330 | 3,169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2304% | 5,442 |
| Cost of funding earning assets | 0.7519% | 626 |
| Net interest margin | 2.4785% | 5,823 |
| Noninterest income to average assets | 0.2171% | 5,184 |
| Noninterest expense to average assets | 1.8505% | 5,589 |
| Loan and lease loss provision to assets | 0.3500% | 428 |
| Net operating income to assets | 0.4310% | 4,895 |
| Return on assets (ROA) | 0.4310% | 4,974 |
| Pretax return on assets | 0.4310% | 5,242 |
| Return on Equity (ROE) | 3.6900% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,648 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3202% | 3,063 |
| Assets per employee ($millions) | 6.0429% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 88.2143% | 107 |
| Net loans and leases to deposits | 101.6241% | 526 |
| Net loans and leases to core deposits | 114.5301% | 647 |
| Total domestic deposits to total assets | 86.8046% | 2,297 |
| Equity capital to assets | 11.4137% | 2,520 |
| Core capital (leverage) ratio | 11.7910% | 1,757 |
| Tier 1 risk-based capital ratio | 13.8734% | 3,774 |
| Total risk-based capital ratio | 15.1244% | 3,707 |
| Memoranda: | ||
| Average total assets | $123,428,500 | 4,017 |
| Average earning assets | $120,233,500 | 3,902 |
| Average equity | $14,417,500 | 3,946 |
| Average total loans | $108,997,000 | 3,256 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0412% | 5,698 |
| Cost of funding earning assets | 0.6858% | 882 |
| Net interest margin | 2.3554% | 5,918 |
| Noninterest income to average assets | 0.1497% | 5,667 |
| Noninterest expense to average assets | 2.2899% | 4,819 |
| Loan and lease loss provision to assets | 0.5582% | 201 |
| Net operating income to assets | -0.4137% | 6,021 |
| Return on assets (ROA) | -0.4137% | 6,032 |
| Pretax return on assets | -0.4137% | 6,022 |
| Return on Equity (ROE) | -2.7438% | 6,002 |
| Retained earnings to average equity (ytd only) | -2.7438% | 5,802 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0649% | 480 |
| Assets per employee ($millions) | 5.4526% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 86.1509% | 218 |
| Net loans and leases to deposits | 101.0057% | 607 |
| Net loans and leases to core deposits | 112.8259% | 731 |
| Total domestic deposits to total assets | 85.2931% | 2,955 |
| Equity capital to assets | 11.9635% | 1,982 |
| Core capital (leverage) ratio | 12.4840% | 1,357 |
| Tier 1 risk-based capital ratio | 15.1214% | 3,120 |
| Total risk-based capital ratio | 16.3732% | 3,050 |
| Memoranda: | ||
| Average total assets | $96,204,200 | 4,532 |
| Average earning assets | $93,318,200 | 4,444 |
| Average equity | $14,505,600 | 3,907 |
| Average total loans | $84,812,800 | 3,706 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0117% | 5,804 |
| Cost of funding earning assets | 0.6493% | 1,098 |
| Net interest margin | 2.3624% | 5,996 |
| Noninterest income to average assets | 0.1182% | 5,884 |
| Noninterest expense to average assets | 2.2141% | 5,020 |
| Loan and lease loss provision to assets | 0.6957% | 119 |
| Net operating income to assets | -0.5022% | 6,138 |
| Return on assets (ROA) | -0.5022% | 6,141 |
| Pretax return on assets | -0.5022% | 6,132 |
| Return on Equity (ROE) | -3.1168% | 6,107 |
| Retained earnings to average equity (ytd only) | -3.1168% | 5,943 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9632% | 577 |
| Assets per employee ($millions) | 5.5028% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.7612% | 190 |
| Net loans and leases to deposits | 103.3063% | 485 |
| Net loans and leases to core deposits | 112.7372% | 723 |
| Total domestic deposits to total assets | 83.9844% | 3,435 |
| Equity capital to assets | 13.0925% | 1,401 |
| Core capital (leverage) ratio | 14.1451% | 826 |
| Tier 1 risk-based capital ratio | 16.1277% | 2,741 |
| Total risk-based capital ratio | 17.3791% | 2,691 |
| Memoranda: | ||
| Average total assets | $90,266,000 | 4,719 |
| Average earning assets | $87,479,750 | 4,598 |
| Average equity | $14,544,250 | 3,941 |
| Average total loans | $79,855,250 | 3,861 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0107% | 5,846 |
| Cost of funding earning assets | 0.6076% | 1,365 |
| Net interest margin | 2.4031% | 6,041 |
| Noninterest income to average assets | 0.1028% | 6,019 |
| Noninterest expense to average assets | 2.2302% | 5,026 |
| Loan and lease loss provision to assets | 0.8438% | 91 |
| Net operating income to assets | -0.6454% | 6,217 |
| Return on assets (ROA) | -0.6454% | 6,224 |
| Pretax return on assets | -0.6454% | 6,209 |
| Return on Equity (ROE) | -3.7013% | 6,171 |
| Retained earnings to average equity (ytd only) | -3.7013% | 5,957 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8307% | 652 |
| Assets per employee ($millions) | 5.3486% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 89.7751% | 74 |
| Net loans and leases to deposits | 117.4606% | 130 |
| Net loans and leases to core deposits | 123.1825% | 388 |
| Total domestic deposits to total assets | 76.4300% | 5,539 |
| Equity capital to assets | 15.0392% | 695 |
| Core capital (leverage) ratio | 16.4678% | 415 |
| Tier 1 risk-based capital ratio | 17.9021% | 2,093 |
| Total risk-based capital ratio | 19.1533% | 2,051 |
| Memoranda: | ||
| Average total assets | $83,669,670 | 4,904 |
| Average earning assets | $80,978,330 | 4,802 |
| Average equity | $14,589,330 | 3,948 |
| Average total loans | $74,234,330 | 4,056 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7833% | 6,080 |
| Cost of funding earning assets | 0.5694% | 1,665 |
| Net interest margin | 2.2139% | 6,201 |
| Noninterest income to average assets | 0.0879% | 6,130 |
| Noninterest expense to average assets | 2.2852% | 4,923 |
| Loan and lease loss provision to assets | 1.0340% | 76 |
| Net operating income to assets | -1.0806% | 6,328 |
| Return on assets (ROA) | -1.0806% | 6,330 |
| Pretax return on assets | -1.0806% | 6,321 |
| Return on Equity (ROE) | -5.7086% | 6,272 |
| Retained earnings to average equity (ytd only) | -5.7086% | 5,978 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0785% | 314 |
| Assets per employee ($millions) | 5.1339% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 3,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 90.7782% | 43 |
| Net loans and leases to deposits | 119.4735% | 88 |
| Net loans and leases to core deposits | 123.2431% | 344 |
| Total domestic deposits to total assets | 75.9818% | 5,739 |
| Equity capital to assets | 17.7011% | 354 |
| Core capital (leverage) ratio | 20.3436% | 194 |
| Tier 1 risk-based capital ratio | 20.8884% | 1,446 |
| Total risk-based capital ratio | 22.1397% | 1,418 |
| Memoranda: | ||
| Average total assets | $77,367,000 | 5,083 |
| Average earning assets | $75,163,000 | 4,986 |
| Average equity | $14,644,500 | 3,969 |
| Average total loans | $67,578,500 | 4,248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0603% | 6,414 |
| Cost of funding earning assets | 0.6836% | 1,193 |
| Net interest margin | 1.3767% | 6,442 |
| Noninterest income to average assets | 0.0693% | 6,244 |
| Noninterest expense to average assets | 2.6193% | 4,146 |
| Loan and lease loss provision to assets | 1.2531% | 76 |
| Net operating income to assets | -2.4806% | 6,467 |
| Return on assets (ROA) | -2.4806% | 6,467 |
| Pretax return on assets | -2.4806% | 6,463 |
| Return on Equity (ROE) | -8.8954% | 6,346 |
| Retained earnings to average equity (ytd only) | -8.8954% | 6,283 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.2045% | 27 |
| Assets per employee ($millions) | 4.8395% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 3,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 81.0916% | 620 |
| Net loans and leases to deposits | 115.9213% | 140 |
| Net loans and leases to core deposits | 117.6708% | 483 |
| Total domestic deposits to total assets | 69.9540% | 6,196 |
| Equity capital to assets | 20.3177% | 215 |
| Core capital (leverage) ratio | 22.2241% | 136 |
| Tier 1 risk-based capital ratio | 25.8401% | 772 |
| Total risk-based capital ratio | 27.0910% | 757 |
| Memoranda: | ||
| Average total assets | $54,824,400 | 5,679 |
| Average earning assets | $52,662,000 | 5,603 |
| Average equity | $15,288,800 | 3,782 |
| Average total loans | $35,734,400 | 5,342 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9290% | 6,506 |
| Cost of funding earning assets | 0.6956% | 1,170 |
| Net interest margin | 1.2333% | 6,537 |
| Noninterest income to average assets | 0.0582% | 6,365 |
| Noninterest expense to average assets | 2.6093% | 4,167 |
| Loan and lease loss provision to assets | 1.4687% | 58 |
| Net operating income to assets | -2.8422% | 6,555 |
| Return on assets (ROA) | -2.8422% | 6,555 |
| Pretax return on assets | -2.8422% | 6,554 |
| Return on Equity (ROE) | -9.2841% | 6,433 |
| Retained earnings to average equity (ytd only) | -9.2841% | 6,363 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.1349% | 20 |
| Assets per employee ($millions) | 4.9365% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 3,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.0311% | 1,676 |
| Net loans and leases to deposits | 95.6528% | 913 |
| Net loans and leases to core deposits | 97.6559% | 1,541 |
| Total domestic deposits to total assets | 76.3502% | 5,770 |
| Equity capital to assets | 23.3506% | 126 |
| Core capital (leverage) ratio | 24.2884% | 96 |
| Tier 1 risk-based capital ratio | 31.2220% | 471 |
| Total risk-based capital ratio | 32.4721% | 462 |
| Memoranda: | ||
| Average total assets | $50,382,500 | 5,841 |
| Average earning assets | $48,107,750 | 5,786 |
| Average equity | $15,423,750 | 3,784 |
| Average total loans | $29,761,000 | 5,626 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6225% | 6,595 |
| Cost of funding earning assets | 0.6490% | 1,522 |
| Net interest margin | 0.9735% | 6,614 |
| Noninterest income to average assets | 0.0349% | 6,478 |
| Noninterest expense to average assets | 2.7738% | 3,597 |
| Loan and lease loss provision to assets | 1.9657% | 34 |
| Net operating income to assets | -3.7741% | 6,639 |
| Return on assets (ROA) | -3.7741% | 6,640 |
| Pretax return on assets | -3.7741% | 6,640 |
| Return on Equity (ROE) | -11.0983% | 6,524 |
| Retained earnings to average equity (ytd only) | -11.0983% | 6,443 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 287.3303% | 9 |
| Assets per employee ($millions) | 4.6073% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 3,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.8973% | 1,931 |
| Net loans and leases to deposits | 98.1520% | 653 |
| Net loans and leases to core deposits | 100.0357% | 1,280 |
| Total domestic deposits to total assets | 72.2322% | 6,236 |
| Equity capital to assets | 27.4839% | 74 |
| Core capital (leverage) ratio | 30.9912% | 61 |
| Tier 1 risk-based capital ratio | 37.7441% | 283 |
| Total risk-based capital ratio | 38.9960% | 279 |
| Memoranda: | ||
| Average total assets | $45,785,330 | 6,009 |
| Average earning assets | $43,760,330 | 5,956 |
| Average equity | $15,570,000 | 3,760 |
| Average total loans | $23,849,000 | 5,933 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2916% | 6,687 |
| Cost of funding earning assets | 0.6253% | 1,768 |
| Net interest margin | 0.6663% | 6,706 |
| Noninterest income to average assets | 0.0292% | 6,541 |
| Noninterest expense to average assets | 2.7294% | 3,835 |
| Loan and lease loss provision to assets | 2.6417% | 25 |
| Net operating income to assets | -4.7082% | 6,708 |
| Return on assets (ROA) | -4.7082% | 6,708 |
| Pretax return on assets | -4.7082% | 6,706 |
| Return on Equity (ROE) | -12.2608% | 6,585 |
| Retained earnings to average equity (ytd only) | -12.2608% | 6,424 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 411.7647% | 4 |
| Assets per employee ($millions) | 3.8928% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 3,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.2887% | 4,238 |
| Net loans and leases to deposits | 83.2699% | 1,912 |
| Net loans and leases to core deposits | 83.9493% | 2,523 |
| Total domestic deposits to total assets | 66.3969% | 6,550 |
| Equity capital to assets | 33.2370% | 60 |
| Core capital (leverage) ratio | 37.4653% | 52 |
| Tier 1 risk-based capital ratio | 51.7516% | 120 |
| Total risk-based capital ratio | 52.9049% | 120 |
| Memoranda: | ||
| Average total assets | $41,034,500 | 6,200 |
| Average earning assets | $39,020,000 | 6,131 |
| Average equity | $15,757,500 | 3,742 |
| Average total loans | $15,912,500 | 6,309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0268% | 6,808 |
| Cost of funding earning assets | 0.0238% | 6,771 |
| Net interest margin | 0.0030% | 6,806 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 2.5342% | 4,662 |
| Loan and lease loss provision to assets | 0.2121% | 1,738 |
| Net operating income to assets | -2.7435% | 6,749 |
| Return on assets (ROA) | -2.7435% | 6,747 |
| Pretax return on assets | -2.7435% | 6,745 |
| Return on Equity (ROE) | -6.0667% | 6,507 |
| Retained earnings to average equity (ytd only) | -6.0667% | 6,416 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89,600.0000% | 2 |
| Assets per employee ($millions) | 3.9284% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 3,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 15.7738% | 6,710 |
| Net loans and leases to deposits | 28.9835% | 6,600 |
| Net loans and leases to core deposits | 28.9835% | 6,613 |
| Total domestic deposits to total assets | 54.4236% | 6,742 |
| Equity capital to assets | 45.2229% | 43 |
| Core capital (leverage) ratio | 184.3537% | 1 |
| Tier 1 risk-based capital ratio | 138.6009% | 39 |
| Total risk-based capital ratio | 139.2510% | 39 |
| Memoranda: | ||
| Average total assets | $35,356,000 | 6,408 |
| Average earning assets | $33,549,000 | 6,359 |
| Average equity | $15,989,000 | 3,704 |
| Average total loans | $5,652,000 | 6,719 |