Home > Bank of England > Performance and Condition Ratios
Bank of England, 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 | 4.9469% | 2,184 |
| Cost of funding earning assets | 1.6142% | 1,657 |
| Net interest margin | 3.3327% | 2,553 |
| Noninterest income to average assets | 19.5100% | 74 |
| Noninterest expense to average assets | 24.9727% | 66 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | -2.2545% | 4,575 |
| Return on assets (ROA) | -2.2545% | 4,571 |
| Pretax return on assets | -2.9832% | 4,577 |
| Return on Equity (ROE) | -13.4100% | 4,519 |
| Retained earnings to average equity (ytd only) | -13.4070% | 4,487 |
| Net charge-offs to loans | 1.0585% | 95 |
| Credit loss provision to net charge-offs | 53.9768% | 2,179 |
| Earnings coverage of net charge-offs (x) | -4.5436% | 4,539 |
| Efficiency ratio | 111.9536% | 100 |
| Assets per employee ($millions) | 0.6226% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 343 |
| Loan loss allowance to noncurrent loans | 96.0075% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1590% | 385 |
| Noncurrent loans to loans | 2.1439% | 251 |
| Net loans and leases to total assets | 52.9500% | 3,418 |
| Net loans and leases to deposits | 71.5875% | 2,779 |
| Net loans and leases to core deposits | 76.2059% | 2,962 |
| Total domestic deposits to total assets | 73.9600% | 4,108 |
| Equity capital to assets | 16.8166% | 396 |
| Core capital (leverage) ratio | 14.0188% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2344% | 1,039 |
| Memoranda: | ||
| Average total assets | $441,341,200 | 1,891 |
| Average earning assets | $370,031,000 | 2,008 |
| Average equity | $74,215,000 | 1,191 |
| Average total loans | $244,675,400 | 2,034 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 2,301 |
| Cost of funding earning assets | 1.6261% | 1,324 |
| Net interest margin | 3.1590% | 3,008 |
| Noninterest income to average assets | 20.7200% | 71 |
| Noninterest expense to average assets | 25.7702% | 64 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | -2.1051% | 4,598 |
| Return on assets (ROA) | -2.1051% | 4,597 |
| Pretax return on assets | -2.8228% | 4,603 |
| Return on Equity (ROE) | -12.5200% | 4,550 |
| Retained earnings to average equity (ytd only) | -12.5189% | 4,516 |
| Net charge-offs to loans | 1.3788% | 65 |
| Credit loss provision to net charge-offs | 54.7951% | 1,875 |
| Earnings coverage of net charge-offs (x) | -3.1237% | 4,576 |
| Efficiency ratio | 110.2767% | 104 |
| Assets per employee ($millions) | 0.5485% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 414 |
| Loan loss allowance to noncurrent loans | 177.8536% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 966 |
| Noncurrent loans to loans | 1.1082% | 708 |
| Net loans and leases to total assets | 53.8300% | 3,372 |
| Net loans and leases to deposits | 73.0308% | 2,642 |
| Net loans and leases to core deposits | 77.1497% | 2,788 |
| Total domestic deposits to total assets | 73.7100% | 4,177 |
| Equity capital to assets | 16.5245% | 419 |
| Core capital (leverage) ratio | 14.0145% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1812% | 925 |
| Memoranda: | ||
| Average total assets | $448,481,000 | 1,858 |
| Average earning assets | $376,521,250 | 1,986 |
| Average equity | $75,414,750 | 1,171 |
| Average total loans | $250,058,250 | 1,997 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,126 |
| Cost of funding earning assets | 1.5049% | 1,231 |
| Net interest margin | 3.2369% | 2,894 |
| Noninterest income to average assets | 21.4000% | 70 |
| Noninterest expense to average assets | 25.9791% | 61 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | -1.7114% | 4,622 |
| Return on assets (ROA) | -1.7114% | 4,619 |
| Pretax return on assets | -2.2803% | 4,626 |
| Return on Equity (ROE) | -10.1200% | 4,578 |
| Retained earnings to average equity (ytd only) | -10.1218% | 4,514 |
| Net charge-offs to loans | 2.1456% | 44 |
| Credit loss provision to net charge-offs | 35.1064% | 1,725 |
| Earnings coverage of net charge-offs (x) | -1.5459% | 4,615 |
| Efficiency ratio | 107.7040% | 109 |
| Assets per employee ($millions) | 0.5082% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,266 |
| Loan loss allowance to noncurrent loans | 139.8769% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 808 |
| Noncurrent loans to loans | 1.0533% | 699 |
| Net loans and leases to total assets | 58.4300% | 2,925 |
| Net loans and leases to deposits | 84.9362% | 1,593 |
| Net loans and leases to core deposits | 90.2490% | 1,782 |
| Total domestic deposits to total assets | 68.8000% | 4,386 |
| Equity capital to assets | 15.9869% | 449 |
| Core capital (leverage) ratio | 14.4635% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0236% | 953 |
| Memoranda: | ||
| Average total assets | $453,542,333 | 1,845 |
| Average earning assets | $381,288,000 | 1,974 |
| Average equity | $76,686,333 | 1,155 |
| Average total loans | $254,096,667 | 1,986 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,498 |
| Cost of funding earning assets | 1.3227% | 1,180 |
| Net interest margin | 3.5309% | 2,285 |
| Noninterest income to average assets | 19.1700% | 74 |
| Noninterest expense to average assets | 25.0720% | 65 |
| Loan and lease loss provision to assets | -0.2500% | 4,637 |
| Net operating income to assets | -2.0347% | 4,650 |
| Return on assets (ROA) | -2.0347% | 4,644 |
| Pretax return on assets | -2.6935% | 4,646 |
| Return on Equity (ROE) | -11.7000% | 4,604 |
| Retained earnings to average equity (ytd only) | -11.6991% | 4,504 |
| Net charge-offs to loans | 0.6388% | 125 |
| Credit loss provision to net charge-offs | -71.8346% | 4,582 |
| Earnings coverage of net charge-offs (x) | -8.4832% | 4,663 |
| Efficiency ratio | 113.2974% | 89 |
| Assets per employee ($millions) | 0.4825% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 397 |
| Loan loss allowance to noncurrent loans | 453.6245% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 1,855 |
| Noncurrent loans to loans | 0.4541% | 1,587 |
| Net loans and leases to total assets | 54.8000% | 3,137 |
| Net loans and leases to deposits | 79.0555% | 1,892 |
| Net loans and leases to core deposits | 83.5366% | 2,018 |
| Total domestic deposits to total assets | 69.3100% | 4,435 |
| Equity capital to assets | 16.9884% | 343 |
| Core capital (leverage) ratio | 15.4069% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3274% | 803 |
| Memoranda: | ||
| Average total assets | $446,266,000 | 1,889 |
| Average earning assets | $374,069,500 | 2,020 |
| Average equity | $77,612,500 | 1,157 |
| Average total loans | $242,337,500 | 2,056 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 2,960 |
| Cost of funding earning assets | 0.6026% | 892 |
| Net interest margin | 2.9408% | 3,590 |
| Noninterest income to average assets | 25.0900% | 70 |
| Noninterest expense to average assets | 28.5342% | 60 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | -0.7820% | 4,656 |
| Return on assets (ROA) | -0.7474% | 4,647 |
| Pretax return on assets | -1.2390% | 4,656 |
| Return on Equity (ROE) | -4.7200% | 4,623 |
| Retained earnings to average equity (ytd only) | -5.3318% | 4,578 |
| Net charge-offs to loans | -0.0742% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 103.4081% | 128 |
| Assets per employee ($millions) | 0.4564% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5198% | 208 |
| Loan loss allowance to noncurrent loans | 356.1702% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 1,139 |
| Noncurrent loans to loans | 0.7075% | 1,061 |
| Net loans and leases to total assets | 51.3000% | 3,412 |
| Net loans and leases to deposits | 72.5077% | 2,370 |
| Net loans and leases to core deposits | 77.1190% | 2,339 |
| Total domestic deposits to total assets | 70.7500% | 4,455 |
| Equity capital to assets | 17.8027% | 304 |
| Core capital (leverage) ratio | 14.4615% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3228% | 689 |
| Memoranda: | ||
| Average total assets | $516,155,200 | 1,682 |
| Average earning assets | $439,782,000 | 1,788 |
| Average equity | $81,735,800 | 1,107 |
| Average total loans | $284,348,200 | 1,792 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1446% | 3,569 |
| Cost of funding earning assets | 0.5051% | 742 |
| Net interest margin | 2.6395% | 4,045 |
| Noninterest income to average assets | 26.9600% | 67 |
| Noninterest expense to average assets | 29.7886% | 56 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | -0.6068% | 4,686 |
| Return on assets (ROA) | -0.5623% | 4,670 |
| Pretax return on assets | -0.8029% | 4,683 |
| Return on Equity (ROE) | -3.6400% | 4,644 |
| Retained earnings to average equity (ytd only) | -3.6441% | 4,562 |
| Net charge-offs to loans | -0.0744% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 101.9508% | 142 |
| Assets per employee ($millions) | 0.4573% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0506% | 462 |
| Loan loss allowance to noncurrent loans | 392.6848% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 1,644 |
| Noncurrent loans to loans | 0.5222% | 1,495 |
| Net loans and leases to total assets | 48.9100% | 3,538 |
| Net loans and leases to deposits | 66.7627% | 2,650 |
| Net loans and leases to core deposits | 77.0124% | 2,108 |
| Total domestic deposits to total assets | 73.2600% | 4,471 |
| Equity capital to assets | 15.8389% | 381 |
| Core capital (leverage) ratio | 13.9135% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5636% | 675 |
| Memoranda: | ||
| Average total assets | $534,733,250 | 1,661 |
| Average earning assets | $457,498,750 | 1,745 |
| Average equity | $82,504,750 | 1,117 |
| Average total loans | $297,305,000 | 1,725 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7239% | 4,105 |
| Cost of funding earning assets | 0.4527% | 683 |
| Net interest margin | 2.2712% | 4,359 |
| Noninterest income to average assets | 27.9565% | 31 |
| Noninterest expense to average assets | 30.5713% | 27 |
| Loan and lease loss provision to assets | 0.1075% | 924 |
| Net operating income to assets | -0.5728% | 4,686 |
| Return on assets (ROA) | -0.5071% | 4,667 |
| Pretax return on assets | -0.6874% | 4,676 |
| Return on Equity (ROE) | -3.3142% | 4,651 |
| Retained earnings to average equity (ytd only) | -3.3142% | 4,473 |
| Net charge-offs to loans | -0.0776% | 4,379 |
| Credit loss provision to net charge-offs | -241.3223% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2173% | 171 |
| Assets per employee ($millions) | 0.4446% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,552 |
| Loan loss allowance to noncurrent loans | 400.9337% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 1,662 |
| Noncurrent loans to loans | 0.3621% | 2,059 |
| Net loans and leases to total assets | 54.8618% | 2,875 |
| Net loans and leases to deposits | 74.2357% | 1,845 |
| Net loans and leases to core deposits | 86.2917% | 1,323 |
| Total domestic deposits to total assets | 73.9022% | 4,535 |
| Equity capital to assets | 15.4825% | 370 |
| Core capital (leverage) ratio | 13.4348% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0567% | 709 |
| Memoranda: | ||
| Average total assets | $543,458,000 | 1,643 |
| Average earning assets | $466,971,333 | 1,730 |
| Average equity | $83,156,333 | 1,118 |
| Average total loans | $311,763,333 | 1,663 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3489% | 4,420 |
| Cost of funding earning assets | 0.4547% | 637 |
| Net interest margin | 1.8941% | 4,578 |
| Noninterest income to average assets | 28.6154% | 31 |
| Noninterest expense to average assets | 30.8835% | 26 |
| Loan and lease loss provision to assets | 0.4942% | 99 |
| Net operating income to assets | -0.8331% | 4,728 |
| Return on assets (ROA) | -0.7032% | 4,719 |
| Pretax return on assets | -0.9667% | 4,726 |
| Return on Equity (ROE) | -4.6218% | 4,700 |
| Retained earnings to average equity (ytd only) | -4.6218% | 4,408 |
| Net charge-offs to loans | -0.0150% | 3,768 |
| Credit loss provision to net charge-offs | -5,658.3333% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1057% | 213 |
| Assets per employee ($millions) | 0.4397% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 1,375 |
| Loan loss allowance to noncurrent loans | 356.3523% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 1,613 |
| Noncurrent loans to loans | 0.4383% | 1,931 |
| Net loans and leases to total assets | 52.2605% | 2,962 |
| Net loans and leases to deposits | 70.3682% | 1,933 |
| Net loans and leases to core deposits | 82.0247% | 1,351 |
| Total domestic deposits to total assets | 74.2672% | 4,564 |
| Equity capital to assets | 15.0297% | 390 |
| Core capital (leverage) ratio | 13.3611% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9899% | 909 |
| Memoranda: | ||
| Average total assets | $549,523,000 | 1,637 |
| Average earning assets | $473,252,000 | 1,722 |
| Average equity | $83,603,000 | 1,151 |
| Average total loans | $319,750,000 | 1,622 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8357% | 4,151 |
| Cost of funding earning assets | 0.4924% | 967 |
| Net interest margin | 2.3433% | 4,378 |
| Noninterest income to average assets | 45.5810% | 25 |
| Noninterest expense to average assets | 41.0915% | 21 |
| Loan and lease loss provision to assets | 0.2043% | 513 |
| Net operating income to assets | 4.6792% | 49 |
| Return on assets (ROA) | 4.6792% | 50 |
| Pretax return on assets | 6.3347% | 42 |
| Return on Equity (ROE) | 30.0991% | 69 |
| Retained earnings to average equity (ytd only) | 8.0501% | 1,513 |
| Net charge-offs to loans | 0.0192% | 1,894 |
| Credit loss provision to net charge-offs | 1,548.0519% | 372 |
| Earnings coverage of net charge-offs (x) | 495.4935% | 278 |
| Efficiency ratio | 86.2715% | 461 |
| Assets per employee ($millions) | 0.4388% | 4,822 |
| Cash dividends to net income (ytd only)* | 73.2547% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,278 |
| Loan loss allowance to noncurrent loans | 355.0778% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 1,856 |
| Noncurrent loans to loans | 0.3152% | 2,460 |
| Net loans and leases to total assets | 62.6110% | 1,870 |
| Net loans and leases to deposits | 82.4632% | 1,021 |
| Net loans and leases to core deposits | 95.9184% | 694 |
| Total domestic deposits to total assets | 75.9259% | 4,513 |
| Equity capital to assets | 15.3991% | 447 |
| Core capital (leverage) ratio | 13.3507% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1872% | 1,010 |
| Memoranda: | ||
| Average total assets | $583,471,400 | 1,489 |
| Average earning assets | $510,311,000 | 1,576 |
| Average equity | $90,707,000 | 1,092 |
| Average total loans | $401,693,400 | 1,367 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 4,260 |
| Cost of funding earning assets | 0.5003% | 1,042 |
| Net interest margin | 2.3312% | 4,462 |
| Noninterest income to average assets | 47.6427% | 23 |
| Noninterest expense to average assets | 41.6390% | 20 |
| Loan and lease loss provision to assets | 0.0974% | 1,227 |
| Net operating income to assets | 5.8505% | 41 |
| Return on assets (ROA) | 5.8505% | 40 |
| Pretax return on assets | 7.9491% | 36 |
| Return on Equity (ROE) | 37.5512% | 47 |
| Retained earnings to average equity (ytd only) | 37.5512% | 13 |
| Net charge-offs to loans | -0.0324% | 4,165 |
| Credit loss provision to net charge-offs | -428.7129% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8050% | 530 |
| Assets per employee ($millions) | 0.4612% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,368 |
| Loan loss allowance to noncurrent loans | 411.4713% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 2,420 |
| Noncurrent loans to loans | 0.1909% | 3,186 |
| Net loans and leases to total assets | 71.1995% | 960 |
| Net loans and leases to deposits | 96.9842% | 312 |
| Net loans and leases to core deposits | 113.5676% | 263 |
| Total domestic deposits to total assets | 73.4135% | 4,659 |
| Equity capital to assets | 17.6163% | 291 |
| Core capital (leverage) ratio | 16.4688% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3263% | 662 |
| Memoranda: | ||
| Average total assets | $592,436,750 | 1,482 |
| Average earning assets | $519,145,250 | 1,555 |
| Average equity | $92,302,000 | 1,091 |
| Average total loans | $415,430,500 | 1,361 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7386% | 4,418 |
| Cost of funding earning assets | 0.5204% | 1,089 |
| Net interest margin | 2.2182% | 4,583 |
| Noninterest income to average assets | 48.7877% | 21 |
| Noninterest expense to average assets | 41.7422% | 19 |
| Loan and lease loss provision to assets | 0.3231% | 248 |
| Net operating income to assets | 6.3562% | 39 |
| Return on assets (ROA) | 6.3562% | 40 |
| Pretax return on assets | 8.6685% | 33 |
| Return on Equity (ROE) | 42.6241% | 36 |
| Retained earnings to average equity (ytd only) | 42.6241% | 12 |
| Net charge-offs to loans | -0.0019% | 3,195 |
| Credit loss provision to net charge-offs | -24,025.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2769% | 652 |
| Assets per employee ($millions) | 0.4473% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,153 |
| Loan loss allowance to noncurrent loans | 162.0765% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 1,691 |
| Noncurrent loans to loans | 0.5548% | 2,010 |
| Net loans and leases to total assets | 71.3618% | 1,035 |
| Net loans and leases to deposits | 97.5915% | 326 |
| Net loans and leases to core deposits | 117.4143% | 247 |
| Total domestic deposits to total assets | 73.1230% | 4,685 |
| Equity capital to assets | 16.6547% | 356 |
| Core capital (leverage) ratio | 16.4924% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0595% | 948 |
| Memoranda: | ||
| Average total assets | $594,822,000 | 1,471 |
| Average earning assets | $521,865,667 | 1,545 |
| Average equity | $88,701,000 | 1,120 |
| Average total loans | $413,901,667 | 1,370 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7641% | 4,412 |
| Cost of funding earning assets | 0.5453% | 1,129 |
| Net interest margin | 2.2189% | 4,597 |
| Noninterest income to average assets | 55.7442% | 18 |
| Noninterest expense to average assets | 43.0355% | 19 |
| Loan and lease loss provision to assets | 0.2953% | 319 |
| Net operating income to assets | 10.6523% | 19 |
| Return on assets (ROA) | 10.6523% | 19 |
| Pretax return on assets | 14.3613% | 18 |
| Return on Equity (ROE) | 75.6484% | 8 |
| Retained earnings to average equity (ytd only) | 75.6484% | 2 |
| Net charge-offs to loans | 0.0610% | 918 |
| Credit loss provision to net charge-offs | 707.9365% | 509 |
| Earnings coverage of net charge-offs (x) | 351.3810% | 263 |
| Efficiency ratio | 74.5952% | 1,260 |
| Assets per employee ($millions) | 0.4851% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 4,504 |
| Loan loss allowance to noncurrent loans | 174.2667% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,236 |
| Noncurrent loans to loans | 0.4245% | 2,588 |
| Net loans and leases to total assets | 68.5877% | 1,455 |
| Net loans and leases to deposits | 92.7466% | 557 |
| Net loans and leases to core deposits | 109.7389% | 415 |
| Total domestic deposits to total assets | 73.9517% | 4,675 |
| Equity capital to assets | 15.1202% | 479 |
| Core capital (leverage) ratio | 13.8241% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1078% | 1,267 |
| Memoranda: | ||
| Average total assets | $604,152,500 | 1,441 |
| Average earning assets | $530,362,500 | 1,514 |
| Average equity | $85,072,500 | 1,147 |
| Average total loans | $413,407,500 | 1,375 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 4,539 |
| Cost of funding earning assets | 0.8614% | 986 |
| Net interest margin | 2.2613% | 4,737 |
| Noninterest income to average assets | 57.6870% | 18 |
| Noninterest expense to average assets | 47.2545% | 17 |
| Loan and lease loss provision to assets | 0.0769% | 3,419 |
| Net operating income to assets | 9.1512% | 21 |
| Return on assets (ROA) | 9.1540% | 22 |
| Pretax return on assets | 12.3898% | 19 |
| Return on Equity (ROE) | 67.7757% | 10 |
| Retained earnings to average equity (ytd only) | 33.5725% | 20 |
| Net charge-offs to loans | 0.2069% | 840 |
| Credit loss provision to net charge-offs | 52.6582% | 3,131 |
| Earnings coverage of net charge-offs (x) | 85.3759% | 863 |
| Efficiency ratio | 79.1299% | 948 |
| Assets per employee ($millions) | 0.4768% | 4,981 |
| Cash dividends to net income (ytd only)* | 50.4653% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 4,603 |
| Loan loss allowance to noncurrent loans | 93.9538% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 1,746 |
| Noncurrent loans to loans | 0.7340% | 1,869 |
| Net loans and leases to total assets | 67.2624% | 1,923 |
| Net loans and leases to deposits | 87.9037% | 1,096 |
| Net loans and leases to core deposits | 102.4686% | 791 |
| Total domestic deposits to total assets | 76.5182% | 4,465 |
| Equity capital to assets | 13.0004% | 1,084 |
| Core capital (leverage) ratio | 11.9966% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9962% | 1,848 |
| Memoranda: | ||
| Average total assets | $541,172,000 | 1,451 |
| Average earning assets | $485,956,000 | 1,486 |
| Average equity | $73,092,600 | 1,246 |
| Average total loans | $381,878,000 | 1,418 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 4,524 |
| Cost of funding earning assets | 0.9113% | 1,032 |
| Net interest margin | 2.3510% | 4,754 |
| Noninterest income to average assets | 55.5175% | 19 |
| Noninterest expense to average assets | 45.0626% | 17 |
| Loan and lease loss provision to assets | 0.1845% | 2,140 |
| Net operating income to assets | 9.2713% | 22 |
| Return on assets (ROA) | 9.2713% | 22 |
| Pretax return on assets | 12.3925% | 23 |
| Return on Equity (ROE) | 67.9307% | 12 |
| Retained earnings to average equity (ytd only) | 67.9307% | 6 |
| Net charge-offs to loans | -0.0078% | 4,167 |
| Credit loss provision to net charge-offs | -3,322.7273% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1801% | 1,018 |
| Assets per employee ($millions) | 0.4733% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 3,862 |
| Loan loss allowance to noncurrent loans | 154.9761% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 1,999 |
| Noncurrent loans to loans | 0.6169% | 2,258 |
| Net loans and leases to total assets | 68.8280% | 2,135 |
| Net loans and leases to deposits | 98.9769% | 577 |
| Net loans and leases to core deposits | 115.9848% | 502 |
| Total domestic deposits to total assets | 69.5395% | 4,774 |
| Equity capital to assets | 16.4149% | 425 |
| Core capital (leverage) ratio | 17.1712% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0397% | 779 |
| Memoranda: | ||
| Average total assets | $528,416,000 | 1,460 |
| Average earning assets | $476,949,750 | 1,492 |
| Average equity | $72,118,750 | 1,249 |
| Average total loans | $377,074,750 | 1,422 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4161% | 4,524 |
| Cost of funding earning assets | 1.0903% | 732 |
| Net interest margin | 2.3258% | 4,826 |
| Noninterest income to average assets | 47.2022% | 21 |
| Noninterest expense to average assets | 41.0175% | 18 |
| Loan and lease loss provision to assets | 0.3338% | 1,281 |
| Net operating income to assets | 5.9785% | 27 |
| Return on assets (ROA) | 5.9785% | 28 |
| Pretax return on assets | 7.9662% | 26 |
| Return on Equity (ROE) | 47.4980% | 18 |
| Retained earnings to average equity (ytd only) | 47.4980% | 8 |
| Net charge-offs to loans | -0.0065% | 4,083 |
| Credit loss provision to net charge-offs | -7,083.3333% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1702% | 688 |
| Assets per employee ($millions) | 0.4557% | 5,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,378 |
| Loan loss allowance to noncurrent loans | 180.5957% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 1,939 |
| Noncurrent loans to loans | 0.5744% | 2,437 |
| Net loans and leases to total assets | 70.2180% | 1,994 |
| Net loans and leases to deposits | 100.6695% | 512 |
| Net loans and leases to core deposits | 118.6520% | 464 |
| Total domestic deposits to total assets | 69.7510% | 4,797 |
| Equity capital to assets | 13.7171% | 922 |
| Core capital (leverage) ratio | 14.1505% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0924% | 1,465 |
| Memoranda: | ||
| Average total assets | $509,226,333 | 1,476 |
| Average earning assets | $463,160,667 | 1,504 |
| Average equity | $64,095,333 | 1,365 |
| Average total loans | $367,028,000 | 1,442 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 4,715 |
| Cost of funding earning assets | 1.0127% | 1,368 |
| Net interest margin | 2.4124% | 4,869 |
| Noninterest income to average assets | 32.6631% | 27 |
| Noninterest expense to average assets | 34.9095% | 22 |
| Loan and lease loss provision to assets | 0.5878% | 477 |
| Net operating income to assets | -0.5350% | 4,938 |
| Return on assets (ROA) | -0.5350% | 4,912 |
| Pretax return on assets | -0.6244% | 4,908 |
| Return on Equity (ROE) | -4.4721% | 4,906 |
| Retained earnings to average equity (ytd only) | -4.4721% | 4,478 |
| Net charge-offs to loans | 0.0034% | 2,467 |
| Credit loss provision to net charge-offs | 24,100.0000% | 23 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 2,538 |
| Efficiency ratio | 100.1049% | 236 |
| Assets per employee ($millions) | 0.4163% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,383 |
| Loan loss allowance to noncurrent loans | 202.2001% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 2,131 |
| Noncurrent loans to loans | 0.5262% | 2,682 |
| Net loans and leases to total assets | 69.0968% | 2,385 |
| Net loans and leases to deposits | 104.2905% | 357 |
| Net loans and leases to core deposits | 124.6116% | 355 |
| Total domestic deposits to total assets | 66.2542% | 4,954 |
| Equity capital to assets | 11.2957% | 2,595 |
| Core capital (leverage) ratio | 12.5739% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9310% | 2,741 |
| Memoranda: | ||
| Average total assets | $491,992,500 | 1,485 |
| Average earning assets | $450,669,500 | 1,490 |
| Average equity | $58,853,500 | 1,440 |
| Average total loans | $357,655,500 | 1,427 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 3,361 |
| Cost of funding earning assets | 1.3494% | 661 |
| Net interest margin | 3.0126% | 4,502 |
| Noninterest income to average assets | 41.6524% | 23 |
| Noninterest expense to average assets | 40.5370% | 22 |
| Loan and lease loss provision to assets | 0.1884% | 1,089 |
| Net operating income to assets | 2.7354% | 100 |
| Return on assets (ROA) | 2.7549% | 101 |
| Pretax return on assets | 3.6829% | 71 |
| Return on Equity (ROE) | 20.1099% | 208 |
| Retained earnings to average equity (ytd only) | 15.5311% | 82 |
| Net charge-offs to loans | 0.1277% | 1,494 |
| Credit loss provision to net charge-offs | 185.8911% | 1,422 |
| Earnings coverage of net charge-offs (x) | 37.9505% | 1,361 |
| Efficiency ratio | 91.3330% | 303 |
| Assets per employee ($millions) | 0.3646% | 5,159 |
| Cash dividends to net income (ytd only)* | 22.7687% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 3,998 |
| Loan loss allowance to noncurrent loans | 253.2258% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,199 |
| Noncurrent loans to loans | 0.3518% | 3,191 |
| Net loans and leases to total assets | 75.2127% | 1,547 |
| Net loans and leases to deposits | 107.4695% | 241 |
| Net loans and leases to core deposits | 128.7838% | 291 |
| Total domestic deposits to total assets | 69.9852% | 4,937 |
| Equity capital to assets | 12.7077% | 1,701 |
| Core capital (leverage) ratio | 12.4456% | 1,517 |
| Tier 1 risk-based capital ratio | 12.5642% | 4,028 |
| Total risk-based capital ratio | 13.2507% | 4,238 |
| Memoranda: | ||
| Average total assets | $398,569,600 | 1,747 |
| Average earning assets | $361,348,800 | 1,776 |
| Average equity | $54,600,000 | 1,480 |
| Average total loans | $316,284,000 | 1,539 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 3,070 |
| Cost of funding earning assets | 1.3782% | 615 |
| Net interest margin | 3.1185% | 4,448 |
| Noninterest income to average assets | 42.1640% | 23 |
| Noninterest expense to average assets | 40.8990% | 21 |
| Loan and lease loss provision to assets | 0.1874% | 964 |
| Net operating income to assets | 2.8559% | 99 |
| Return on assets (ROA) | 2.8747% | 101 |
| Pretax return on assets | 3.9233% | 66 |
| Return on Equity (ROE) | 20.5330% | 223 |
| Retained earnings to average equity (ytd only) | 20.5330% | 45 |
| Net charge-offs to loans | 0.0087% | 3,054 |
| Credit loss provision to net charge-offs | 2,685.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 585.5122% | 170 |
| Efficiency ratio | 90.9151% | 299 |
| Assets per employee ($millions) | 0.3769% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,147 |
| Loan loss allowance to noncurrent loans | 242.5953% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 2,090 |
| Noncurrent loans to loans | 0.3600% | 3,257 |
| Net loans and leases to total assets | 79.7234% | 884 |
| Net loans and leases to deposits | 114.1223% | 139 |
| Net loans and leases to core deposits | 142.8167% | 159 |
| Total domestic deposits to total assets | 69.8579% | 5,001 |
| Equity capital to assets | 12.4769% | 1,928 |
| Core capital (leverage) ratio | 13.1240% | 1,292 |
| Tier 1 risk-based capital ratio | 12.0402% | 4,399 |
| Total risk-based capital ratio | 12.7230% | 4,581 |
| Memoranda: | ||
| Average total assets | $382,086,000 | 1,809 |
| Average earning assets | $345,759,000 | 1,845 |
| Average equity | $53,493,000 | 1,508 |
| Average total loans | $307,228,500 | 1,587 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 2,476 |
| Cost of funding earning assets | 1.3526% | 638 |
| Net interest margin | 3.3088% | 4,121 |
| Noninterest income to average assets | 39.1550% | 24 |
| Noninterest expense to average assets | 39.2719% | 23 |
| Loan and lease loss provision to assets | 0.2951% | 470 |
| Net operating income to assets | 1.8633% | 527 |
| Return on assets (ROA) | 1.8875% | 518 |
| Pretax return on assets | 2.5895% | 211 |
| Return on Equity (ROE) | 12.8587% | 1,286 |
| Retained earnings to average equity (ytd only) | 12.8587% | 315 |
| Net charge-offs to loans | 0.0268% | 2,314 |
| Credit loss provision to net charge-offs | 1,368.4211% | 262 |
| Earnings coverage of net charge-offs (x) | 132.3421% | 555 |
| Efficiency ratio | 93.2251% | 250 |
| Assets per employee ($millions) | 0.3209% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 3,533 |
| Loan loss allowance to noncurrent loans | 388.0332% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 2,182 |
| Noncurrent loans to loans | 0.2614% | 3,592 |
| Net loans and leases to total assets | 80.1104% | 864 |
| Net loans and leases to deposits | 100.9371% | 611 |
| Net loans and leases to core deposits | 122.2682% | 480 |
| Total domestic deposits to total assets | 79.3666% | 4,149 |
| Equity capital to assets | 13.4940% | 1,324 |
| Core capital (leverage) ratio | 13.8368% | 1,013 |
| Tier 1 risk-based capital ratio | 11.6540% | 4,607 |
| Total risk-based capital ratio | 12.3644% | 4,769 |
| Memoranda: | ||
| Average total assets | $352,419,670 | 1,927 |
| Average earning assets | $316,424,330 | 1,957 |
| Average equity | $51,731,670 | 1,543 |
| Average total loans | $283,346,670 | 1,699 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,828 |
| Cost of funding earning assets | 1.1048% | 1,165 |
| Net interest margin | 3.4058% | 3,873 |
| Noninterest income to average assets | 32.9711% | 29 |
| Noninterest expense to average assets | 35.0356% | 26 |
| Loan and lease loss provision to assets | 0.1811% | 914 |
| Net operating income to assets | 0.5517% | 4,377 |
| Return on assets (ROA) | 0.5517% | 4,404 |
| Pretax return on assets | 0.7886% | 4,071 |
| Return on Equity (ROE) | 3.5831% | 4,663 |
| Retained earnings to average equity (ytd only) | 3.5831% | 3,485 |
| Net charge-offs to loans | 0.0410% | 1,683 |
| Credit loss provision to net charge-offs | 551.8519% | 578 |
| Earnings coverage of net charge-offs (x) | 29.5556% | 1,342 |
| Efficiency ratio | 97.3068% | 207 |
| Assets per employee ($millions) | 0.2905% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,382 |
| Loan loss allowance to noncurrent loans | 277.7143% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 1,622 |
| Noncurrent loans to loans | 0.3800% | 3,226 |
| Net loans and leases to total assets | 78.9545% | 997 |
| Net loans and leases to deposits | 104.0726% | 392 |
| Net loans and leases to core deposits | 123.3082% | 438 |
| Total domestic deposits to total assets | 75.8648% | 4,776 |
| Equity capital to assets | 14.7143% | 824 |
| Core capital (leverage) ratio | 16.1319% | 516 |
| Tier 1 risk-based capital ratio | 11.8337% | 4,547 |
| Total risk-based capital ratio | 12.5114% | 4,768 |
| Memoranda: | ||
| Average total assets | $329,173,500 | 2,026 |
| Average earning assets | $293,260,500 | 2,088 |
| Average equity | $50,683,000 | 1,563 |
| Average total loans | $263,597,500 | 1,789 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 1,434 |
| Cost of funding earning assets | 1.0416% | 633 |
| Net interest margin | 3.8047% | 2,648 |
| Noninterest income to average assets | 35.7354% | 27 |
| Noninterest expense to average assets | 37.1369% | 26 |
| Loan and lease loss provision to assets | -0.0028% | 5,080 |
| Net operating income to assets | 1.4324% | 1,329 |
| Return on assets (ROA) | 1.4324% | 1,322 |
| Pretax return on assets | 1.9139% | 694 |
| Return on Equity (ROE) | 9.1347% | 2,928 |
| Retained earnings to average equity (ytd only) | 4.1594% | 3,271 |
| Net charge-offs to loans | 0.0152% | 3,174 |
| Credit loss provision to net charge-offs | -23.0769% | 4,296 |
| Earnings coverage of net charge-offs (x) | 157.0256% | 548 |
| Efficiency ratio | 95.1059% | 224 |
| Assets per employee ($millions) | 0.2521% | 5,391 |
| Cash dividends to net income (ytd only)* | 54.4662% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,015 |
| Loan loss allowance to noncurrent loans | 294.7257% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,462 |
| Noncurrent loans to loans | 0.3778% | 3,182 |
| Net loans and leases to total assets | 79.4962% | 1,020 |
| Net loans and leases to deposits | 110.5787% | 238 |
| Net loans and leases to core deposits | 122.2593% | 491 |
| Total domestic deposits to total assets | 71.8911% | 5,077 |
| Equity capital to assets | 16.1545% | 515 |
| Core capital (leverage) ratio | 15.4963% | 597 |
| Tier 1 risk-based capital ratio | 12.0235% | 4,418 |
| Total risk-based capital ratio | 12.6896% | 4,661 |
| Memoranda: | ||
| Average total assets | $320,449,800 | 2,040 |
| Average earning assets | $278,999,800 | 2,141 |
| Average equity | $50,247,800 | 1,516 |
| Average total loans | $256,084,200 | 1,795 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 1,365 |
| Cost of funding earning assets | 1.0085% | 576 |
| Net interest margin | 3.8151% | 2,592 |
| Noninterest income to average assets | 35.7079% | 28 |
| Noninterest expense to average assets | 36.4164% | 26 |
| Loan and lease loss provision to assets | 0.0814% | 2,324 |
| Net operating income to assets | 1.9032% | 482 |
| Return on assets (ROA) | 1.9032% | 479 |
| Pretax return on assets | 2.5175% | 228 |
| Return on Equity (ROE) | 12.2268% | 1,714 |
| Retained earnings to average equity (ytd only) | 12.2268% | 451 |
| Net charge-offs to loans | 0.0176% | 2,813 |
| Credit loss provision to net charge-offs | 579.4118% | 618 |
| Earnings coverage of net charge-offs (x) | 184.9208% | 465 |
| Efficiency ratio | 93.3388% | 251 |
| Assets per employee ($millions) | 0.2592% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,634 |
| Loan loss allowance to noncurrent loans | 183.3944% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 1,180 |
| Noncurrent loans to loans | 0.6536% | 2,449 |
| Net loans and leases to total assets | 77.0926% | 1,485 |
| Net loans and leases to deposits | 105.0391% | 482 |
| Net loans and leases to core deposits | 120.9488% | 549 |
| Total domestic deposits to total assets | 73.3942% | 5,030 |
| Equity capital to assets | 16.4975% | 456 |
| Core capital (leverage) ratio | 14.6442% | 789 |
| Tier 1 risk-based capital ratio | 11.8862% | 4,564 |
| Total risk-based capital ratio | 12.6107% | 4,754 |
| Memoranda: | ||
| Average total assets | $322,539,000 | 2,044 |
| Average earning assets | $279,618,500 | 2,146 |
| Average equity | $50,205,500 | 1,522 |
| Average total loans | $257,381,250 | 1,802 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,839 |
| Cost of funding earning assets | 0.9254% | 650 |
| Net interest margin | 3.6553% | 3,094 |
| Noninterest income to average assets | 33.1488% | 30 |
| Noninterest expense to average assets | 34.2758% | 26 |
| Loan and lease loss provision to assets | 0.0427% | 3,047 |
| Net operating income to assets | 1.5684% | 994 |
| Return on assets (ROA) | 1.5684% | 1,000 |
| Pretax return on assets | 2.0099% | 592 |
| Return on Equity (ROE) | 10.2802% | 2,436 |
| Retained earnings to average equity (ytd only) | 10.2802% | 847 |
| Net charge-offs to loans | 0.0154% | 2,628 |
| Credit loss provision to net charge-offs | 345.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 165.7500% | 479 |
| Efficiency ratio | 94.3498% | 251 |
| Assets per employee ($millions) | 0.3152% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,417 |
| Loan loss allowance to noncurrent loans | 320.7547% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 970 |
| Noncurrent loans to loans | 0.3344% | 3,499 |
| Net loans and leases to total assets | 77.5110% | 1,393 |
| Net loans and leases to deposits | 98.5719% | 923 |
| Net loans and leases to core deposits | 121.7951% | 526 |
| Total domestic deposits to total assets | 78.6339% | 4,483 |
| Equity capital to assets | 14.7893% | 733 |
| Core capital (leverage) ratio | 13.8810% | 937 |
| Tier 1 risk-based capital ratio | 13.0334% | 3,875 |
| Total risk-based capital ratio | 13.8454% | 4,028 |
| Memoranda: | ||
| Average total assets | $322,997,670 | 2,050 |
| Average earning assets | $280,961,670 | 2,151 |
| Average equity | $49,279,330 | 1,550 |
| Average total loans | $259,642,670 | 1,793 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,737 |
| Cost of funding earning assets | 0.8006% | 953 |
| Net interest margin | 3.4414% | 3,737 |
| Noninterest income to average assets | 29.7919% | 32 |
| Noninterest expense to average assets | 32.1429% | 28 |
| Loan and lease loss provision to assets | 0.1101% | 1,702 |
| Net operating income to assets | 0.3891% | 4,946 |
| Return on assets (ROA) | 0.3891% | 4,952 |
| Pretax return on assets | 0.5426% | 4,806 |
| Return on Equity (ROE) | 2.5078% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.5078% | 4,164 |
| Net charge-offs to loans | 0.0141% | 2,259 |
| Credit loss provision to net charge-offs | 955.5556% | 360 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 873 |
| Efficiency ratio | 98.0098% | 209 |
| Assets per employee ($millions) | 0.3048% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,063 |
| Loan loss allowance to noncurrent loans | 167.1249% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 618 |
| Noncurrent loans to loans | 0.6918% | 2,483 |
| Net loans and leases to total assets | 80.8089% | 818 |
| Net loans and leases to deposits | 111.8077% | 213 |
| Net loans and leases to core deposits | 126.1291% | 419 |
| Total domestic deposits to total assets | 72.2749% | 5,267 |
| Equity capital to assets | 15.7529% | 528 |
| Core capital (leverage) ratio | 15.0807% | 646 |
| Tier 1 risk-based capital ratio | 25.3252% | 732 |
| Total risk-based capital ratio | 26.6056% | 718 |
| Memoranda: | ||
| Average total assets | $312,541,500 | 2,129 |
| Average earning assets | $272,796,000 | 2,217 |
| Average equity | $48,488,000 | 1,569 |
| Average total loans | $254,735,000 | 1,830 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,523 |
| Cost of funding earning assets | 0.7106% | 973 |
| Net interest margin | 3.5323% | 3,416 |
| Noninterest income to average assets | 34.4279% | 29 |
| Noninterest expense to average assets | 34.7313% | 27 |
| Loan and lease loss provision to assets | -0.0930% | 5,469 |
| Net operating income to assets | 1.9638% | 303 |
| Return on assets (ROA) | 1.9824% | 295 |
| Pretax return on assets | 2.9764% | 103 |
| Return on Equity (ROE) | 13.2028% | 906 |
| Retained earnings to average equity (ytd only) | 7.6727% | 869 |
| Net charge-offs to loans | 0.3051% | 843 |
| Credit loss provision to net charge-offs | -36.4312% | 4,631 |
| Earnings coverage of net charge-offs (x) | 11.1859% | 2,597 |
| Efficiency ratio | 92.3709% | 341 |
| Assets per employee ($millions) | 0.2929% | 5,649 |
| Cash dividends to net income (ytd only)* | 41.8861% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,330 |
| Loan loss allowance to noncurrent loans | 250.7502% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7942% | 695 |
| Noncurrent loans to loans | 0.4407% | 3,203 |
| Net loans and leases to total assets | 80.3627% | 910 |
| Net loans and leases to deposits | 107.9519% | 324 |
| Net loans and leases to core deposits | 120.1528% | 577 |
| Total domestic deposits to total assets | 74.4430% | 5,145 |
| Equity capital to assets | 15.2811% | 628 |
| Core capital (leverage) ratio | 14.7966% | 660 |
| Tier 1 risk-based capital ratio | 25.3974% | 694 |
| Total risk-based capital ratio | 26.6633% | 687 |
| Memoranda: | ||
| Average total assets | $316,124,000 | 2,085 |
| Average earning assets | $282,706,600 | 2,140 |
| Average equity | $47,467,200 | 1,581 |
| Average total loans | $264,531,000 | 1,738 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 2,899 |
| Cost of funding earning assets | 0.6545% | 1,207 |
| Net interest margin | 3.4698% | 3,600 |
| Noninterest income to average assets | 35.0381% | 31 |
| Noninterest expense to average assets | 34.7061% | 30 |
| Loan and lease loss provision to assets | -0.1514% | 5,629 |
| Net operating income to assets | 2.1886% | 218 |
| Return on assets (ROA) | 2.1978% | 221 |
| Pretax return on assets | 3.6240% | 79 |
| Return on Equity (ROE) | 14.7020% | 701 |
| Retained earnings to average equity (ytd only) | 14.7020% | 126 |
| Net charge-offs to loans | 0.2723% | 791 |
| Credit loss provision to net charge-offs | -65.9926% | 4,467 |
| Earnings coverage of net charge-offs (x) | 15.0697% | 2,255 |
| Efficiency ratio | 90.9208% | 376 |
| Assets per employee ($millions) | 0.3625% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,676 |
| Loan loss allowance to noncurrent loans | 77.4268% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.7254% | 829 |
| Noncurrent loans to loans | 1.3798% | 1,365 |
| Net loans and leases to total assets | 83.9315% | 438 |
| Net loans and leases to deposits | 115.3677% | 162 |
| Net loans and leases to core deposits | 133.0986% | 295 |
| Total domestic deposits to total assets | 72.7513% | 5,338 |
| Equity capital to assets | 14.8913% | 751 |
| Core capital (leverage) ratio | 13.9760% | 898 |
| Tier 1 risk-based capital ratio | 29.2952% | 500 |
| Total risk-based capital ratio | 30.5825% | 497 |
| Memoranda: | ||
| Average total assets | $316,067,000 | 2,094 |
| Average earning assets | $284,771,750 | 2,140 |
| Average equity | $47,248,500 | 1,604 |
| Average total loans | $266,396,250 | 1,739 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,387 |
| Cost of funding earning assets | 0.5302% | 1,912 |
| Net interest margin | 3.4150% | 3,719 |
| Noninterest income to average assets | 35.1554% | 30 |
| Noninterest expense to average assets | 34.6626% | 31 |
| Loan and lease loss provision to assets | -0.0078% | 5,536 |
| Net operating income to assets | 2.1038% | 256 |
| Return on assets (ROA) | 2.1236% | 254 |
| Pretax return on assets | 3.6098% | 86 |
| Return on Equity (ROE) | 14.1862% | 787 |
| Retained earnings to average equity (ytd only) | 14.1862% | 173 |
| Net charge-offs to loans | 0.4179% | 484 |
| Credit loss provision to net charge-offs | -2.2059% | 4,202 |
| Earnings coverage of net charge-offs (x) | 10.1636% | 2,363 |
| Efficiency ratio | 90.6499% | 421 |
| Assets per employee ($millions) | 0.3436% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,102 |
| Loan loss allowance to noncurrent loans | 81.2185% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.8585% | 723 |
| Noncurrent loans to loans | 1.4622% | 1,292 |
| Net loans and leases to total assets | 84.5173% | 397 |
| Net loans and leases to deposits | 117.3006% | 131 |
| Net loans and leases to core deposits | 135.0506% | 238 |
| Total domestic deposits to total assets | 72.0519% | 5,450 |
| Equity capital to assets | 14.4013% | 852 |
| Core capital (leverage) ratio | 14.9163% | 650 |
| Tier 1 risk-based capital ratio | 22.0516% | 1,048 |
| Total risk-based capital ratio | 23.3293% | 1,024 |
| Memoranda: | ||
| Average total assets | $309,659,670 | 2,133 |
| Average earning assets | $279,120,330 | 2,180 |
| Average equity | $46,355,000 | 1,633 |
| Average total loans | $260,377,670 | 1,763 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 2,480 |
| Cost of funding earning assets | 0.5787% | 1,521 |
| Net interest margin | 3.5696% | 3,007 |
| Noninterest income to average assets | 34.3402% | 31 |
| Noninterest expense to average assets | 33.8513% | 31 |
| Loan and lease loss provision to assets | -0.1034% | 5,752 |
| Net operating income to assets | 2.2164% | 218 |
| Return on assets (ROA) | 2.1812% | 236 |
| Pretax return on assets | 3.7351% | 92 |
| Return on Equity (ROE) | 14.2675% | 758 |
| Retained earnings to average equity (ytd only) | 14.2675% | 279 |
| Net charge-offs to loans | 0.0065% | 2,748 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,573 |
| Earnings coverage of net charge-offs (x) | 686.2500% | 76 |
| Efficiency ratio | 90.1678% | 548 |
| Assets per employee ($millions) | 0.2865% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6736% | 1,202 |
| Loan loss allowance to noncurrent loans | 84.5968% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.3881% | 506 |
| Noncurrent loans to loans | 1.9783% | 904 |
| Net loans and leases to total assets | 81.6195% | 612 |
| Net loans and leases to deposits | 110.9426% | 204 |
| Net loans and leases to core deposits | 124.2086% | 357 |
| Total domestic deposits to total assets | 73.5691% | 5,447 |
| Equity capital to assets | 16.6743% | 413 |
| Core capital (leverage) ratio | 14.9102% | 623 |
| Tier 1 risk-based capital ratio | 25.5978% | 722 |
| Total risk-based capital ratio | 26.8857% | 701 |
| Memoranda: | ||
| Average total assets | $297,820,000 | 2,223 |
| Average earning assets | $266,808,500 | 2,267 |
| Average equity | $45,530,000 | 1,666 |
| Average total loans | $248,009,000 | 1,844 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,512 |
| Cost of funding earning assets | 0.5963% | 1,364 |
| Net interest margin | 3.3207% | 4,082 |
| Noninterest income to average assets | 34.5189% | 32 |
| Noninterest expense to average assets | 33.2709% | 29 |
| Loan and lease loss provision to assets | 0.3041% | 617 |
| Net operating income to assets | 2.5405% | 136 |
| Return on assets (ROA) | 2.6293% | 123 |
| Pretax return on assets | 4.1059% | 58 |
| Return on Equity (ROE) | 20.9327% | 182 |
| Retained earnings to average equity (ytd only) | 16.1617% | 85 |
| Net charge-offs to loans | -0.0051% | 4,811 |
| Credit loss provision to net charge-offs | -7,250.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6122% | 632 |
| Assets per employee ($millions) | 0.3344% | 5,892 |
| Cash dividends to net income (ytd only)* | 22.7920% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 1,726 |
| Loan loss allowance to noncurrent loans | 92.2969% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.9914% | 693 |
| Noncurrent loans to loans | 1.6098% | 1,221 |
| Net loans and leases to total assets | 82.2668% | 568 |
| Net loans and leases to deposits | 113.8374% | 161 |
| Net loans and leases to core deposits | 124.2053% | 379 |
| Total domestic deposits to total assets | 72.2670% | 5,541 |
| Equity capital to assets | 14.0749% | 864 |
| Core capital (leverage) ratio | 12.9959% | 1,133 |
| Tier 1 risk-based capital ratio | 27.4222% | 599 |
| Total risk-based capital ratio | 28.6905% | 585 |
| Memoranda: | ||
| Average total assets | $333,736,000 | 1,983 |
| Average earning assets | $303,855,400 | 2,017 |
| Average equity | $41,920,000 | 1,767 |
| Average total loans | $273,828,400 | 1,653 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 3,723 |
| Cost of funding earning assets | 0.5930% | 1,389 |
| Net interest margin | 3.2702% | 4,280 |
| Noninterest income to average assets | 33.9518% | 31 |
| Noninterest expense to average assets | 32.0265% | 29 |
| Loan and lease loss provision to assets | 0.3869% | 388 |
| Net operating income to assets | 2.7421% | 114 |
| Return on assets (ROA) | 2.8060% | 109 |
| Pretax return on assets | 4.6251% | 58 |
| Return on Equity (ROE) | 22.9912% | 128 |
| Retained earnings to average equity (ytd only) | 22.9912% | 36 |
| Net charge-offs to loans | -0.0353% | 5,225 |
| Credit loss provision to net charge-offs | -1,342.4658% | 5,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6923% | 765 |
| Assets per employee ($millions) | 0.3824% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,344 |
| Loan loss allowance to noncurrent loans | 92.8806% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 990 |
| Noncurrent loans to loans | 1.4735% | 1,465 |
| Net loans and leases to total assets | 82.1335% | 599 |
| Net loans and leases to deposits | 124.0119% | 79 |
| Net loans and leases to core deposits | 135.5614% | 240 |
| Total domestic deposits to total assets | 66.2304% | 5,810 |
| Equity capital to assets | 12.9503% | 1,510 |
| Core capital (leverage) ratio | 12.7122% | 1,303 |
| Tier 1 risk-based capital ratio | 25.4736% | 763 |
| Total risk-based capital ratio | 26.7365% | 744 |
| Memoranda: | ||
| Average total assets | $337,741,250 | 1,968 |
| Average earning assets | $308,477,250 | 1,988 |
| Average equity | $41,220,500 | 1,808 |
| Average total loans | $275,956,500 | 1,635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,727 |
| Cost of funding earning assets | 0.5865% | 1,424 |
| Net interest margin | 3.2766% | 4,303 |
| Noninterest income to average assets | 30.3669% | 31 |
| Noninterest expense to average assets | 29.4744% | 30 |
| Loan and lease loss provision to assets | 0.3051% | 577 |
| Net operating income to assets | 2.1707% | 238 |
| Return on assets (ROA) | 2.2320% | 229 |
| Pretax return on assets | 3.6809% | 83 |
| Return on Equity (ROE) | 18.6836% | 316 |
| Retained earnings to average equity (ytd only) | 18.6836% | 73 |
| Net charge-offs to loans | -0.0575% | 5,420 |
| Credit loss provision to net charge-offs | -653.8462% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3295% | 698 |
| Assets per employee ($millions) | 0.3990% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 3,146 |
| Loan loss allowance to noncurrent loans | 81.7036% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.8314% | 928 |
| Noncurrent loans to loans | 1.5149% | 1,445 |
| Net loans and leases to total assets | 81.2196% | 721 |
| Net loans and leases to deposits | 122.3766% | 90 |
| Net loans and leases to core deposits | 134.9408% | 238 |
| Total domestic deposits to total assets | 66.3686% | 5,881 |
| Equity capital to assets | 12.1538% | 2,013 |
| Core capital (leverage) ratio | 12.1558% | 1,536 |
| Tier 1 risk-based capital ratio | 19.7061% | 1,519 |
| Total risk-based capital ratio | 20.9610% | 1,479 |
| Memoranda: | ||
| Average total assets | $334,324,000 | 1,995 |
| Average earning assets | $305,868,330 | 2,013 |
| Average equity | $39,938,670 | 1,860 |
| Average total loans | $271,347,000 | 1,664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,656 |
| Cost of funding earning assets | 0.5114% | 2,014 |
| Net interest margin | 3.0764% | 4,932 |
| Noninterest income to average assets | 26.8383% | 34 |
| Noninterest expense to average assets | 26.2410% | 31 |
| Loan and lease loss provision to assets | 0.1639% | 1,263 |
| Net operating income to assets | 1.9762% | 354 |
| Return on assets (ROA) | 1.9762% | 372 |
| Pretax return on assets | 3.2593% | 110 |
| Return on Equity (ROE) | 16.6944% | 470 |
| Retained earnings to average equity (ytd only) | 16.6944% | 170 |
| Net charge-offs to loans | -0.0151% | 4,715 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4478% | 780 |
| Assets per employee ($millions) | 0.3961% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,961 |
| Loan loss allowance to noncurrent loans | 118.2064% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 1,555 |
| Noncurrent loans to loans | 0.9442% | 2,490 |
| Net loans and leases to total assets | 79.5270% | 886 |
| Net loans and leases to deposits | 122.4948% | 81 |
| Net loans and leases to core deposits | 136.1217% | 211 |
| Total domestic deposits to total assets | 64.9227% | 5,984 |
| Equity capital to assets | 11.7085% | 2,235 |
| Core capital (leverage) ratio | 12.4808% | 1,347 |
| Tier 1 risk-based capital ratio | 20.6511% | 1,376 |
| Total risk-based capital ratio | 21.9134% | 1,349 |
| Memoranda: | ||
| Average total assets | $329,514,500 | 2,031 |
| Average earning assets | $302,694,000 | 2,042 |
| Average equity | $39,007,000 | 1,893 |
| Average total loans | $265,595,500 | 1,691 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9616% | 3,463 |
| Cost of funding earning assets | 0.5099% | 2,072 |
| Net interest margin | 3.4517% | 3,711 |
| Noninterest income to average assets | 27.1469% | 31 |
| Noninterest expense to average assets | 26.6466% | 30 |
| Loan and lease loss provision to assets | 0.1831% | 1,229 |
| Net operating income to assets | 2.1483% | 270 |
| Return on assets (ROA) | 2.1208% | 289 |
| Pretax return on assets | 3.4572% | 91 |
| Return on Equity (ROE) | 19.7649% | 262 |
| Retained earnings to average equity (ytd only) | 10.4179% | 407 |
| Net charge-offs to loans | 0.2605% | 1,162 |
| Credit loss provision to net charge-offs | 83.7484% | 2,883 |
| Earnings coverage of net charge-offs (x) | 16.8467% | 2,105 |
| Efficiency ratio | 87.8435% | 842 |
| Assets per employee ($millions) | 0.3745% | 6,157 |
| Cash dividends to net income (ytd only)* | 47.2909% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,853 |
| Loan loss allowance to noncurrent loans | 144.2079% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5011% | 1,345 |
| Noncurrent loans to loans | 0.7854% | 2,821 |
| Net loans and leases to total assets | 79.8769% | 862 |
| Net loans and leases to deposits | 108.2635% | 292 |
| Net loans and leases to core deposits | 121.1100% | 450 |
| Total domestic deposits to total assets | 73.7801% | 5,669 |
| Equity capital to assets | 11.9760% | 1,969 |
| Core capital (leverage) ratio | 11.8957% | 1,685 |
| Tier 1 risk-based capital ratio | 18.1124% | 1,931 |
| Total risk-based capital ratio | 19.3639% | 1,892 |
| Memoranda: | ||
| Average total assets | $348,979,000 | 1,874 |
| Average earning assets | $321,813,000 | 1,882 |
| Average equity | $37,445,200 | 1,911 |
| Average total loans | $292,885,200 | 1,491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,406 |
| Cost of funding earning assets | 0.4991% | 2,219 |
| Net interest margin | 3.4818% | 3,619 |
| Noninterest income to average assets | 27.4942% | 32 |
| Noninterest expense to average assets | 26.4119% | 32 |
| Loan and lease loss provision to assets | 0.1903% | 1,068 |
| Net operating income to assets | 2.4626% | 167 |
| Return on assets (ROA) | 2.4267% | 184 |
| Pretax return on assets | 4.0436% | 77 |
| Return on Equity (ROE) | 23.2180% | 155 |
| Retained earnings to average equity (ytd only) | 23.2180% | 54 |
| Net charge-offs to loans | 0.1369% | 1,765 |
| Credit loss provision to net charge-offs | 164.1935% | 1,568 |
| Earnings coverage of net charge-offs (x) | 37.0164% | 1,316 |
| Efficiency ratio | 86.0159% | 1,003 |
| Assets per employee ($millions) | 0.4178% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 4,201 |
| Loan loss allowance to noncurrent loans | 78.1643% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9800% | 1,044 |
| Noncurrent loans to loans | 1.4132% | 1,796 |
| Net loans and leases to total assets | 81.8658% | 591 |
| Net loans and leases to deposits | 121.7495% | 86 |
| Net loans and leases to core deposits | 135.8869% | 206 |
| Total domestic deposits to total assets | 67.2412% | 6,060 |
| Equity capital to assets | 11.5160% | 2,497 |
| Core capital (leverage) ratio | 10.5542% | 2,982 |
| Tier 1 risk-based capital ratio | 20.1357% | 1,508 |
| Total risk-based capital ratio | 21.3954% | 1,480 |
| Memoranda: | ||
| Average total assets | $356,633,500 | 1,851 |
| Average earning assets | $328,554,000 | 1,859 |
| Average equity | $37,274,750 | 1,931 |
| Average total loans | $301,804,000 | 1,472 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,177 |
| Cost of funding earning assets | 0.4549% | 2,666 |
| Net interest margin | 3.3158% | 4,234 |
| Noninterest income to average assets | 26.9430% | 34 |
| Noninterest expense to average assets | 25.7297% | 32 |
| Loan and lease loss provision to assets | 0.3440% | 387 |
| Net operating income to assets | 2.3454% | 210 |
| Return on assets (ROA) | 2.2917% | 235 |
| Pretax return on assets | 3.8473% | 85 |
| Return on Equity (ROE) | 22.6886% | 173 |
| Retained earnings to average equity (ytd only) | 22.6886% | 60 |
| Net charge-offs to loans | 0.1516% | 1,576 |
| Credit loss provision to net charge-offs | 266.2338% | 1,004 |
| Earnings coverage of net charge-offs (x) | 33.0866% | 1,282 |
| Efficiency ratio | 85.7404% | 1,079 |
| Assets per employee ($millions) | 0.4460% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,792 |
| Loan loss allowance to noncurrent loans | 85.5678% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6062% | 1,500 |
| Noncurrent loans to loans | 1.1872% | 2,279 |
| Net loans and leases to total assets | 85.9137% | 244 |
| Net loans and leases to deposits | 137.6103% | 26 |
| Net loans and leases to core deposits | 154.6960% | 91 |
| Total domestic deposits to total assets | 62.4326% | 6,222 |
| Equity capital to assets | 9.8646% | 4,196 |
| Core capital (leverage) ratio | 10.0878% | 3,479 |
| Tier 1 risk-based capital ratio | 18.1716% | 2,018 |
| Total risk-based capital ratio | 19.4294% | 1,975 |
| Memoranda: | ||
| Average total assets | $357,548,000 | 1,858 |
| Average earning assets | $330,180,000 | 1,861 |
| Average equity | $36,115,000 | 1,993 |
| Average total loans | $304,755,000 | 1,459 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 4,586 |
| Cost of funding earning assets | 0.4303% | 2,975 |
| Net interest margin | 3.2024% | 4,602 |
| Noninterest income to average assets | 24.9926% | 36 |
| Noninterest expense to average assets | 24.0870% | 33 |
| Loan and lease loss provision to assets | 0.0946% | 2,101 |
| Net operating income to assets | 2.2657% | 206 |
| Return on assets (ROA) | 2.1535% | 266 |
| Pretax return on assets | 3.5837% | 103 |
| Return on Equity (ROE) | 21.0415% | 229 |
| Retained earnings to average equity (ytd only) | 21.0415% | 87 |
| Net charge-offs to loans | 0.0277% | 2,625 |
| Credit loss provision to net charge-offs | 405.0000% | 657 |
| Earnings coverage of net charge-offs (x) | 164.9000% | 331 |
| Efficiency ratio | 86.1952% | 1,168 |
| Assets per employee ($millions) | 0.4841% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,960 |
| Loan loss allowance to noncurrent loans | 102.3456% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4070% | 1,885 |
| Noncurrent loans to loans | 0.9876% | 2,795 |
| Net loans and leases to total assets | 83.5544% | 339 |
| Net loans and leases to deposits | 137.9073% | 24 |
| Net loans and leases to core deposits | 158.4768% | 81 |
| Total domestic deposits to total assets | 60.5874% | 6,315 |
| Equity capital to assets | 9.8914% | 4,281 |
| Core capital (leverage) ratio | 10.9026% | 2,514 |
| Tier 1 risk-based capital ratio | 15.9247% | 2,957 |
| Total risk-based capital ratio | 17.0160% | 2,968 |
| Memoranda: | ||
| Average total assets | $342,325,500 | 1,948 |
| Average earning assets | $315,135,500 | 1,957 |
| Average equity | $35,035,500 | 2,066 |
| Average total loans | $288,752,500 | 1,519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,672 |
| Cost of funding earning assets | 0.5319% | 2,368 |
| Net interest margin | 3.7505% | 2,808 |
| Noninterest income to average assets | 21.9435% | 37 |
| Noninterest expense to average assets | 22.5827% | 32 |
| Loan and lease loss provision to assets | 0.0526% | 3,503 |
| Net operating income to assets | 1.7069% | 572 |
| Return on assets (ROA) | 1.7262% | 562 |
| Pretax return on assets | 2.7522% | 146 |
| Return on Equity (ROE) | 14.3695% | 871 |
| Retained earnings to average equity (ytd only) | 5.4921% | 2,265 |
| Net charge-offs to loans | 0.0231% | 4,379 |
| Credit loss provision to net charge-offs | 284.6154% | 895 |
| Earnings coverage of net charge-offs (x) | 150.0962% | 359 |
| Efficiency ratio | 89.0398% | 910 |
| Assets per employee ($millions) | 0.4405% | 6,479 |
| Cash dividends to net income (ytd only)* | 61.7792% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 4,443 |
| Loan loss allowance to noncurrent loans | 110.6778% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 1,727 |
| Noncurrent loans to loans | 1.0125% | 2,802 |
| Net loans and leases to total assets | 83.3411% | 394 |
| Net loans and leases to deposits | 125.0071% | 68 |
| Net loans and leases to core deposits | 144.8031% | 133 |
| Total domestic deposits to total assets | 66.6691% | 6,308 |
| Equity capital to assets | 10.6220% | 3,331 |
| Core capital (leverage) ratio | 10.8616% | 2,543 |
| Tier 1 risk-based capital ratio | 16.2302% | 2,847 |
| Total risk-based capital ratio | 17.4645% | 2,795 |
| Memoranda: | ||
| Average total assets | $281,304,400 | 2,267 |
| Average earning assets | $256,045,200 | 2,303 |
| Average equity | $33,793,800 | 2,063 |
| Average total loans | $225,140,600 | 1,863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 2,742 |
| Cost of funding earning assets | 0.5470% | 2,316 |
| Net interest margin | 3.7245% | 2,928 |
| Noninterest income to average assets | 21.0004% | 39 |
| Noninterest expense to average assets | 21.5971% | 32 |
| Loan and lease loss provision to assets | 0.0369% | 3,668 |
| Net operating income to assets | 1.7003% | 613 |
| Return on assets (ROA) | 1.7057% | 631 |
| Pretax return on assets | 2.7551% | 147 |
| Return on Equity (ROE) | 13.7271% | 1,044 |
| Retained earnings to average equity (ytd only) | 13.7271% | 268 |
| Net charge-offs to loans | -0.0112% | 5,451 |
| Credit loss provision to net charge-offs | -416.6667% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5645% | 951 |
| Assets per employee ($millions) | 0.4121% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,319 |
| Loan loss allowance to noncurrent loans | 95.2291% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8628% | 1,581 |
| Noncurrent loans to loans | 1.2430% | 2,564 |
| Net loans and leases to total assets | 82.7161% | 438 |
| Net loans and leases to deposits | 129.0703% | 46 |
| Net loans and leases to core deposits | 154.6968% | 90 |
| Total domestic deposits to total assets | 64.0861% | 6,433 |
| Equity capital to assets | 11.6531% | 2,360 |
| Core capital (leverage) ratio | 11.8060% | 1,827 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,401 |
| Total risk-based capital ratio | 18.7207% | 2,367 |
| Memoranda: | ||
| Average total assets | $271,245,750 | 2,367 |
| Average earning assets | $246,183,250 | 2,391 |
| Average equity | $33,703,750 | 2,072 |
| Average total loans | $213,673,000 | 1,958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,549 |
| Cost of funding earning assets | 0.5457% | 2,384 |
| Net interest margin | 3.5030% | 3,780 |
| Noninterest income to average assets | 20.1348% | 39 |
| Noninterest expense to average assets | 20.6348% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6565% | 633 |
| Return on assets (ROA) | 1.6565% | 666 |
| Pretax return on assets | 2.6704% | 163 |
| Return on Equity (ROE) | 13.0130% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.0130% | 336 |
| Net charge-offs to loans | -0.0201% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5219% | 1,041 |
| Assets per employee ($millions) | 0.3792% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 3,788 |
| Loan loss allowance to noncurrent loans | 93.7322% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2804% | 1,321 |
| Noncurrent loans to loans | 1.4000% | 2,461 |
| Net loans and leases to total assets | 79.7825% | 710 |
| Net loans and leases to deposits | 110.7713% | 192 |
| Net loans and leases to core deposits | 132.6967% | 201 |
| Total domestic deposits to total assets | 72.0246% | 6,250 |
| Equity capital to assets | 12.3062% | 1,768 |
| Core capital (leverage) ratio | 12.9156% | 1,186 |
| Tier 1 risk-based capital ratio | 18.2964% | 2,134 |
| Total risk-based capital ratio | 19.5204% | 2,106 |
| Memoranda: | ||
| Average total assets | $259,591,000 | 2,460 |
| Average earning assets | $234,943,670 | 2,491 |
| Average equity | $33,044,000 | 2,095 |
| Average total loans | $199,457,670 | 2,048 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,303 |
| Cost of funding earning assets | 0.5393% | 2,512 |
| Net interest margin | 3.5559% | 3,452 |
| Noninterest income to average assets | 17.4585% | 44 |
| Noninterest expense to average assets | 18.6337% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2713% | 1,295 |
| Return on assets (ROA) | 1.2713% | 1,345 |
| Pretax return on assets | 2.0446% | 484 |
| Return on Equity (ROE) | 9.8050% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.8050% | 1,014 |
| Net charge-offs to loans | -0.0215% | 5,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0890% | 1,031 |
| Assets per employee ($millions) | 0.4414% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 2,390 |
| Loan loss allowance to noncurrent loans | 114.9591% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 1,568 |
| Noncurrent loans to loans | 1.4694% | 2,584 |
| Net loans and leases to total assets | 67.6713% | 2,271 |
| Net loans and leases to deposits | 81.4060% | 2,115 |
| Net loans and leases to core deposits | 96.4837% | 1,349 |
| Total domestic deposits to total assets | 83.1282% | 4,561 |
| Equity capital to assets | 12.9599% | 1,324 |
| Core capital (leverage) ratio | 13.0348% | 1,149 |
| Tier 1 risk-based capital ratio | 20.5418% | 1,574 |
| Total risk-based capital ratio | 21.7811% | 1,547 |
| Memoranda: | ||
| Average total assets | $249,826,500 | 2,555 |
| Average earning assets | $226,216,500 | 2,591 |
| Average equity | $32,391,500 | 2,127 |
| Average total loans | $186,361,500 | 2,169 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3880% | 2,623 |
| Cost of funding earning assets | 0.5893% | 2,760 |
| Net interest margin | 3.7987% | 2,663 |
| Noninterest income to average assets | 23.1186% | 32 |
| Noninterest expense to average assets | 23.0404% | 30 |
| Loan and lease loss provision to assets | 0.0912% | 3,283 |
| Net operating income to assets | 2.2081% | 242 |
| Return on assets (ROA) | 2.1849% | 251 |
| Pretax return on assets | 3.4434% | 89 |
| Return on Equity (ROE) | 17.1367% | 494 |
| Retained earnings to average equity (ytd only) | 7.8440% | 1,107 |
| Net charge-offs to loans | 0.0307% | 4,819 |
| Credit loss provision to net charge-offs | 378.6885% | 598 |
| Earnings coverage of net charge-offs (x) | 148.3279% | 311 |
| Efficiency ratio | 86.5634% | 1,357 |
| Assets per employee ($millions) | 0.4313% | 6,778 |
| Cash dividends to net income (ytd only)* | 54.2269% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 3,264 |
| Loan loss allowance to noncurrent loans | 92.1944% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4587% | 1,407 |
| Noncurrent loans to loans | 1.6109% | 2,493 |
| Net loans and leases to total assets | 79.3483% | 666 |
| Net loans and leases to deposits | 95.1282% | 787 |
| Net loans and leases to core deposits | 111.1093% | 572 |
| Total domestic deposits to total assets | 83.4119% | 4,393 |
| Equity capital to assets | 12.9715% | 1,286 |
| Core capital (leverage) ratio | 12.8508% | 1,199 |
| Tier 1 risk-based capital ratio | 19.8295% | 1,693 |
| Total risk-based capital ratio | 21.0756% | 1,662 |
| Memoranda: | ||
| Average total assets | $253,380,800 | 2,499 |
| Average earning assets | $232,976,000 | 2,489 |
| Average equity | $32,305,000 | 2,115 |
| Average total loans | $198,470,800 | 2,017 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,460 |
| Cost of funding earning assets | 0.5778% | 3,019 |
| Net interest margin | 3.8616% | 2,414 |
| Noninterest income to average assets | 24.2988% | 31 |
| Noninterest expense to average assets | 23.5362% | 29 |
| Loan and lease loss provision to assets | 0.1295% | 2,673 |
| Net operating income to assets | 2.5996% | 157 |
| Return on assets (ROA) | 2.5996% | 163 |
| Pretax return on assets | 4.1938% | 71 |
| Return on Equity (ROE) | 20.4757% | 272 |
| Retained earnings to average equity (ytd only) | 20.4675% | 75 |
| Net charge-offs to loans | 0.0047% | 5,096 |
| Credit loss provision to net charge-offs | 3,542.8571% | 97 |
| Earnings coverage of net charge-offs (x) | 1,182.8210% | 32 |
| Efficiency ratio | 84.4648% | 1,539 |
| Assets per employee ($millions) | 0.4152% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0402% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,011 |
| Loan loss allowance to noncurrent loans | 103.8263% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.4735% | 1,560 |
| Noncurrent loans to loans | 1.5379% | 2,860 |
| Net loans and leases to total assets | 75.7783% | 1,035 |
| Net loans and leases to deposits | 93.4047% | 871 |
| Net loans and leases to core deposits | 109.5398% | 593 |
| Total domestic deposits to total assets | 81.1290% | 5,183 |
| Equity capital to assets | 14.1041% | 935 |
| Core capital (leverage) ratio | 14.2024% | 817 |
| Tier 1 risk-based capital ratio | 20.7628% | 1,540 |
| Total risk-based capital ratio | 22.0171% | 1,515 |
| Memoranda: | ||
| Average total assets | $255,260,250 | 2,496 |
| Average earning assets | $235,372,250 | 2,479 |
| Average equity | $32,408,250 | 2,129 |
| Average total loans | $198,581,250 | 2,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,727 |
| Cost of funding earning assets | 0.5935% | 3,000 |
| Net interest margin | 3.7646% | 2,695 |
| Noninterest income to average assets | 25.9580% | 31 |
| Noninterest expense to average assets | 24.4752% | 29 |
| Loan and lease loss provision to assets | 0.0387% | 4,179 |
| Net operating income to assets | 3.0855% | 109 |
| Return on assets (ROA) | 3.0855% | 112 |
| Pretax return on assets | 4.9309% | 58 |
| Return on Equity (ROE) | 25.1840% | 119 |
| Retained earnings to average equity (ytd only) | 25.1714% | 49 |
| Net charge-offs to loans | -0.0188% | 5,952 |
| Credit loss provision to net charge-offs | -263.1579% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1067% | 1,741 |
| Assets per employee ($millions) | 0.3824% | 6,908 |
| Cash dividends to net income (ytd only)* | 0.0501% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 3,901 |
| Loan loss allowance to noncurrent loans | 93.3903% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.5605% | 1,640 |
| Noncurrent loans to loans | 1.5302% | 3,005 |
| Net loans and leases to total assets | 80.0480% | 533 |
| Net loans and leases to deposits | 97.0161% | 604 |
| Net loans and leases to core deposits | 112.6594% | 470 |
| Total domestic deposits to total assets | 82.5100% | 4,882 |
| Equity capital to assets | 13.7146% | 1,047 |
| Core capital (leverage) ratio | 13.2809% | 1,059 |
| Tier 1 risk-based capital ratio | 20.2938% | 1,654 |
| Total risk-based capital ratio | 21.5371% | 1,633 |
| Memoranda: | ||
| Average total assets | $258,694,330 | 2,470 |
| Average earning assets | $239,602,330 | 2,450 |
| Average equity | $31,694,670 | 2,171 |
| Average total loans | $201,896,000 | 1,996 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3203% | 2,808 |
| Cost of funding earning assets | 0.5646% | 3,434 |
| Net interest margin | 3.7557% | 2,632 |
| Noninterest income to average assets | 24.2876% | 32 |
| Noninterest expense to average assets | 23.2352% | 34 |
| Loan and lease loss provision to assets | 0.0753% | 3,374 |
| Net operating income to assets | 2.6949% | 133 |
| Return on assets (ROA) | 2.6949% | 140 |
| Pretax return on assets | 4.4625% | 70 |
| Return on Equity (ROE) | 23.2762% | 158 |
| Retained earnings to average equity (ytd only) | 23.2762% | 79 |
| Net charge-offs to loans | -0.0157% | 5,615 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6342% | 1,815 |
| Assets per employee ($millions) | 0.4309% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,889 |
| Loan loss allowance to noncurrent loans | 96.5200% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 2.7262% | 1,663 |
| Noncurrent loans to loans | 1.5378% | 3,245 |
| Net loans and leases to total assets | 72.0263% | 1,343 |
| Net loans and leases to deposits | 85.4159% | 1,425 |
| Net loans and leases to core deposits | 100.7609% | 907 |
| Total domestic deposits to total assets | 84.3242% | 4,346 |
| Equity capital to assets | 12.1437% | 1,944 |
| Core capital (leverage) ratio | 11.9526% | 1,599 |
| Tier 1 risk-based capital ratio | 19.6207% | 1,873 |
| Total risk-based capital ratio | 20.8678% | 1,854 |
| Memoranda: | ||
| Average total assets | $265,683,000 | 2,434 |
| Average earning assets | $246,557,000 | 2,407 |
| Average equity | $30,761,000 | 2,257 |
| Average total loans | $203,478,500 | 1,998 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 2,816 |
| Cost of funding earning assets | 0.7612% | 3,004 |
| Net interest margin | 3.8850% | 2,894 |
| Noninterest income to average assets | 23.6930% | 33 |
| Noninterest expense to average assets | 21.6713% | 33 |
| Loan and lease loss provision to assets | 0.4984% | 1,200 |
| Net operating income to assets | 3.2458% | 88 |
| Return on assets (ROA) | 3.2712% | 89 |
| Pretax return on assets | 5.1746% | 55 |
| Return on Equity (ROE) | 31.3376% | 56 |
| Retained earnings to average equity (ytd only) | 22.1081% | 47 |
| Net charge-offs to loans | 0.3361% | 2,956 |
| Credit loss provision to net charge-offs | 185.4286% | 1,416 |
| Earnings coverage of net charge-offs (x) | 20.9586% | 1,324 |
| Efficiency ratio | 79.3514% | 2,231 |
| Assets per employee ($millions) | 0.4401% | 7,044 |
| Cash dividends to net income (ytd only)* | 29.4518% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,735 |
| Loan loss allowance to noncurrent loans | 48.9317% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 3.3210% | 1,381 |
| Noncurrent loans to loans | 2.6174% | 2,022 |
| Net loans and leases to total assets | 78.9106% | 577 |
| Net loans and leases to deposits | 92.0785% | 905 |
| Net loans and leases to core deposits | 111.8566% | 477 |
| Total domestic deposits to total assets | 85.6992% | 3,513 |
| Equity capital to assets | 11.0333% | 2,909 |
| Core capital (leverage) ratio | 10.8247% | 2,412 |
| Tier 1 risk-based capital ratio | 17.3541% | 2,500 |
| Total risk-based capital ratio | 18.5967% | 2,481 |
| Memoranda: | ||
| Average total assets | $260,427,400 | 2,434 |
| Average earning assets | $242,113,400 | 2,394 |
| Average equity | $27,184,600 | 2,468 |
| Average total loans | $208,290,600 | 1,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 2,716 |
| Cost of funding earning assets | 0.7820% | 3,094 |
| Net interest margin | 3.9377% | 2,768 |
| Noninterest income to average assets | 22.7058% | 35 |
| Noninterest expense to average assets | 20.7865% | 33 |
| Loan and lease loss provision to assets | 0.5181% | 1,166 |
| Net operating income to assets | 3.1313% | 93 |
| Return on assets (ROA) | 3.1654% | 97 |
| Pretax return on assets | 5.1204% | 60 |
| Return on Equity (ROE) | 30.7846% | 70 |
| Retained earnings to average equity (ytd only) | 30.7444% | 32 |
| Net charge-offs to loans | 0.3154% | 2,866 |
| Credit loss provision to net charge-offs | 205.3279% | 1,351 |
| Earnings coverage of net charge-offs (x) | 22.1353% | 1,361 |
| Efficiency ratio | 78.8036% | 2,263 |
| Assets per employee ($millions) | 0.4538% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.1307% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,606 |
| Loan loss allowance to noncurrent loans | 49.5574% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 2.3234% | 2,287 |
| Noncurrent loans to loans | 2.2746% | 2,534 |
| Net loans and leases to total assets | 84.4551% | 201 |
| Net loans and leases to deposits | 108.8477% | 178 |
| Net loans and leases to core deposits | 137.6618% | 152 |
| Total domestic deposits to total assets | 77.5901% | 6,145 |
| Equity capital to assets | 10.7669% | 3,534 |
| Core capital (leverage) ratio | 11.0894% | 2,309 |
| Tier 1 risk-based capital ratio | 15.6921% | 3,433 |
| Total risk-based capital ratio | 16.9197% | 3,410 |
| Memoranda: | ||
| Average total assets | $257,866,500 | 2,479 |
| Average earning assets | $240,069,500 | 2,442 |
| Average equity | $26,514,750 | 2,543 |
| Average total loans | $206,273,500 | 1,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 3,453 |
| Cost of funding earning assets | 0.8121% | 3,098 |
| Net interest margin | 3.7637% | 3,521 |
| Noninterest income to average assets | 20.5623% | 38 |
| Noninterest expense to average assets | 19.5575% | 39 |
| Loan and lease loss provision to assets | 0.6085% | 972 |
| Net operating income to assets | 2.4522% | 190 |
| Return on assets (ROA) | 2.5048% | 201 |
| Pretax return on assets | 3.9857% | 82 |
| Return on Equity (ROE) | 24.7935% | 155 |
| Retained earnings to average equity (ytd only) | 24.7461% | 58 |
| Net charge-offs to loans | 0.5123% | 2,050 |
| Credit loss provision to net charge-offs | 152.2954% | 1,819 |
| Earnings coverage of net charge-offs (x) | 11.2934% | 1,973 |
| Efficiency ratio | 81.2345% | 1,998 |
| Assets per employee ($millions) | 0.4344% | 7,206 |
| Cash dividends to net income (ytd only)* | 0.1910% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 5,712 |
| Loan loss allowance to noncurrent loans | 44.3857% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.6720% | 2,071 |
| Noncurrent loans to loans | 2.5181% | 2,399 |
| Net loans and leases to total assets | 82.6431% | 294 |
| Net loans and leases to deposits | 103.0303% | 307 |
| Net loans and leases to core deposits | 128.0076% | 226 |
| Total domestic deposits to total assets | 80.2124% | 5,686 |
| Equity capital to assets | 10.3952% | 3,817 |
| Core capital (leverage) ratio | 10.6338% | 2,682 |
| Tier 1 risk-based capital ratio | 15.1062% | 3,700 |
| Total risk-based capital ratio | 16.3465% | 3,671 |
| Memoranda: | ||
| Average total assets | $250,799,000 | 2,545 |
| Average earning assets | $233,707,670 | 2,487 |
| Average equity | $25,337,330 | 2,628 |
| Average total loans | $195,573,000 | 2,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 3,684 |
| Cost of funding earning assets | 0.8207% | 3,306 |
| Net interest margin | 3.7368% | 3,654 |
| Noninterest income to average assets | 17.9091% | 41 |
| Noninterest expense to average assets | 17.7708% | 41 |
| Loan and lease loss provision to assets | 0.3238% | 1,938 |
| Net operating income to assets | 2.0711% | 366 |
| Return on assets (ROA) | 1.6952% | 807 |
| Pretax return on assets | 2.7088% | 252 |
| Return on Equity (ROE) | 17.0418% | 665 |
| Retained earnings to average equity (ytd only) | 16.9764% | 308 |
| Net charge-offs to loans | 0.0065% | 4,654 |
| Credit loss provision to net charge-offs | 6,633.3333% | 34 |
| Earnings coverage of net charge-offs (x) | 741.6667% | 27 |
| Efficiency ratio | 83.0545% | 1,792 |
| Assets per employee ($millions) | 0.4484% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.3839% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 4,860 |
| Loan loss allowance to noncurrent loans | 53.3799% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.3515% | 2,532 |
| Noncurrent loans to loans | 2.5007% | 2,607 |
| Net loans and leases to total assets | 69.7405% | 1,801 |
| Net loans and leases to deposits | 79.7874% | 2,230 |
| Net loans and leases to core deposits | 102.1944% | 855 |
| Total domestic deposits to total assets | 87.4079% | 2,721 |
| Equity capital to assets | 9.9535% | 4,181 |
| Core capital (leverage) ratio | 9.9219% | 3,466 |
| Tier 1 risk-based capital ratio | 13.8861% | 4,539 |
| Total risk-based capital ratio | 14.9620% | 4,656 |
| Memoranda: | ||
| Average total assets | $245,864,500 | 2,600 |
| Average earning assets | $229,071,500 | 2,545 |
| Average equity | $24,457,500 | 2,720 |
| Average total loans | $184,430,000 | 2,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 2,220 |
| Cost of funding earning assets | 0.9846% | 3,480 |
| Net interest margin | 4.1770% | 2,132 |
| Noninterest income to average assets | 13.4841% | 47 |
| Noninterest expense to average assets | 14.0256% | 49 |
| Loan and lease loss provision to assets | 0.3518% | 2,889 |
| Net operating income to assets | 1.9224% | 363 |
| Return on assets (ROA) | 1.8394% | 461 |
| Pretax return on assets | 2.8178% | 148 |
| Return on Equity (ROE) | 17.9333% | 387 |
| Retained earnings to average equity (ytd only) | 14.5206% | 152 |
| Net charge-offs to loans | 0.3562% | 3,625 |
| Credit loss provision to net charge-offs | 132.3777% | 2,299 |
| Earnings coverage of net charge-offs (x) | 12.4064% | 1,626 |
| Efficiency ratio | 80.9314% | 2,172 |
| Assets per employee ($millions) | 0.5348% | 7,317 |
| Cash dividends to net income (ytd only)* | 19.0302% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,681 |
| Loan loss allowance to noncurrent loans | 56.7067% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.1999% | 2,739 |
| Noncurrent loans to loans | 2.0022% | 3,201 |
| Net loans and leases to total assets | 78.6263% | 644 |
| Net loans and leases to deposits | 90.3545% | 1,121 |
| Net loans and leases to core deposits | 110.9349% | 590 |
| Total domestic deposits to total assets | 87.0198% | 2,748 |
| Equity capital to assets | 9.9414% | 4,236 |
| Core capital (leverage) ratio | 9.7541% | 3,671 |
| Tier 1 risk-based capital ratio | 13.1053% | 4,987 |
| Total risk-based capital ratio | 14.2055% | 5,086 |
| Memoranda: | ||
| Average total assets | $223,114,000 | 2,808 |
| Average earning assets | $205,051,000 | 2,789 |
| Average equity | $22,884,800 | 2,794 |
| Average total loans | $166,494,800 | 2,408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 2,613 |
| Cost of funding earning assets | 1.0182% | 3,541 |
| Net interest margin | 4.0800% | 2,550 |
| Noninterest income to average assets | 11.9889% | 54 |
| Noninterest expense to average assets | 12.7667% | 55 |
| Loan and lease loss provision to assets | 0.2176% | 3,840 |
| Net operating income to assets | 1.7159% | 604 |
| Return on assets (ROA) | 1.7159% | 661 |
| Pretax return on assets | 2.7467% | 172 |
| Return on Equity (ROE) | 16.5889% | 605 |
| Retained earnings to average equity (ytd only) | 16.1587% | 174 |
| Net charge-offs to loans | 0.1048% | 4,952 |
| Credit loss provision to net charge-offs | 283.3333% | 1,009 |
| Earnings coverage of net charge-offs (x) | 38.5943% | 793 |
| Efficiency ratio | 81.0788% | 2,098 |
| Assets per employee ($millions) | 0.6028% | 7,395 |
| Cash dividends to net income (ytd only)* | 2.5932% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,427 |
| Loan loss allowance to noncurrent loans | 51.2749% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.5078% | 2,576 |
| Noncurrent loans to loans | 2.3571% | 2,944 |
| Net loans and leases to total assets | 76.9040% | 851 |
| Net loans and leases to deposits | 98.3631% | 556 |
| Net loans and leases to core deposits | 124.4453% | 303 |
| Total domestic deposits to total assets | 78.1838% | 6,156 |
| Equity capital to assets | 9.9996% | 4,341 |
| Core capital (leverage) ratio | 10.4727% | 2,898 |
| Tier 1 risk-based capital ratio | 12.3812% | 5,595 |
| Total risk-based capital ratio | 13.4834% | 5,705 |
| Memoranda: | ||
| Average total assets | $218,729,750 | 2,853 |
| Average earning assets | $200,616,250 | 2,852 |
| Average equity | $22,625,000 | 2,824 |
| Average total loans | $160,271,500 | 2,506 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,987 |
| Cost of funding earning assets | 1.0519% | 3,587 |
| Net interest margin | 3.5421% | 4,958 |
| Noninterest income to average assets | 11.2815% | 60 |
| Noninterest expense to average assets | 12.3402% | 61 |
| Loan and lease loss provision to assets | 0.1032% | 5,022 |
| Net operating income to assets | 1.3045% | 1,303 |
| Return on assets (ROA) | 1.3045% | 1,381 |
| Pretax return on assets | 2.0969% | 493 |
| Return on Equity (ROE) | 12.4586% | 1,355 |
| Retained earnings to average equity (ytd only) | 11.9212% | 525 |
| Net charge-offs to loans | 0.0210% | 5,546 |
| Credit loss provision to net charge-offs | 687.5000% | 463 |
| Earnings coverage of net charge-offs (x) | 146.6250% | 245 |
| Efficiency ratio | 84.7598% | 1,731 |
| Assets per employee ($millions) | 0.5467% | 7,471 |
| Cash dividends to net income (ytd only)* | 4.3134% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 5,081 |
| Loan loss allowance to noncurrent loans | 50.5604% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.7288% | 2,453 |
| Noncurrent loans to loans | 2.5621% | 2,815 |
| Net loans and leases to total assets | 72.6674% | 1,650 |
| Net loans and leases to deposits | 90.9789% | 1,164 |
| Net loans and leases to core deposits | 122.1003% | 375 |
| Total domestic deposits to total assets | 79.8729% | 5,854 |
| Equity capital to assets | 10.6186% | 3,363 |
| Core capital (leverage) ratio | 10.9526% | 2,293 |
| Tier 1 risk-based capital ratio | 13.7858% | 4,315 |
| Total risk-based capital ratio | 14.9070% | 4,391 |
| Memoranda: | ||
| Average total assets | $213,269,670 | 2,932 |
| Average earning assets | $196,211,670 | 2,920 |
| Average equity | $22,330,000 | 2,838 |
| Average total loans | $152,688,330 | 2,648 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 5,919 |
| Cost of funding earning assets | 1.1004% | 3,515 |
| Net interest margin | 3.2288% | 5,985 |
| Noninterest income to average assets | 11.4362% | 63 |
| Noninterest expense to average assets | 12.4347% | 59 |
| Loan and lease loss provision to assets | 0.1516% | 4,130 |
| Net operating income to assets | 1.1330% | 1,728 |
| Return on assets (ROA) | 1.1330% | 1,773 |
| Pretax return on assets | 1.8132% | 791 |
| Return on Equity (ROE) | 10.9007% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.3539% | 1,032 |
| Net charge-offs to loans | 0.0403% | 4,548 |
| Credit loss provision to net charge-offs | 533.3333% | 681 |
| Earnings coverage of net charge-offs (x) | 69.1333% | 442 |
| Efficiency ratio | 86.3158% | 1,679 |
| Assets per employee ($millions) | 0.5412% | 7,531 |
| Cash dividends to net income (ytd only)* | 5.0167% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 4,674 |
| Loan loss allowance to noncurrent loans | 56.4570% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,766 |
| Noncurrent loans to loans | 2.4767% | 3,017 |
| Net loans and leases to total assets | 69.2388% | 2,281 |
| Net loans and leases to deposits | 79.6365% | 2,780 |
| Net loans and leases to core deposits | 102.0867% | 1,197 |
| Total domestic deposits to total assets | 86.9436% | 2,977 |
| Equity capital to assets | 10.6324% | 3,056 |
| Core capital (leverage) ratio | 10.6003% | 2,507 |
| Tier 1 risk-based capital ratio | 13.8564% | 4,173 |
| Total risk-based capital ratio | 14.9456% | 4,261 |
| Memoranda: | ||
| Average total assets | $211,118,500 | 2,976 |
| Average earning assets | $193,753,500 | 2,962 |
| Average equity | $21,943,500 | 2,873 |
| Average total loans | $148,943,000 | 2,726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 853 |
| Cost of funding earning assets | 1.2239% | 4,396 |
| Net interest margin | 4.7740% | 693 |
| Noninterest income to average assets | 13.1261% | 51 |
| Noninterest expense to average assets | 13.9791% | 54 |
| Loan and lease loss provision to assets | 0.3562% | 3,985 |
| Net operating income to assets | 2.0411% | 266 |
| Return on assets (ROA) | 2.0071% | 292 |
| Pretax return on assets | 3.0903% | 110 |
| Return on Equity (ROE) | 20.7054% | 216 |
| Retained earnings to average equity (ytd only) | 17.1053% | 82 |
| Net charge-offs to loans | 0.3499% | 4,269 |
| Credit loss provision to net charge-offs | 137.1269% | 2,789 |
| Earnings coverage of net charge-offs (x) | 13.4683% | 1,410 |
| Efficiency ratio | 79.9451% | 2,425 |
| Assets per employee ($millions) | 0.5628% | 7,612 |
| Cash dividends to net income (ytd only)* | 17.3871% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,969 |
| Loan loss allowance to noncurrent loans | 177.6682% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 5,019 |
| Noncurrent loans to loans | 0.7357% | 5,578 |
| Net loans and leases to total assets | 69.9435% | 2,544 |
| Net loans and leases to deposits | 80.1174% | 3,151 |
| Net loans and leases to core deposits | 107.2102% | 1,108 |
| Total domestic deposits to total assets | 87.3013% | 2,670 |
| Equity capital to assets | 10.1616% | 3,545 |
| Core capital (leverage) ratio | 10.1337% | 2,945 |
| Tier 1 risk-based capital ratio | 13.8953% | 3,931 |
| Total risk-based capital ratio | 15.0381% | 3,980 |
| Memoranda: | ||
| Average total assets | $206,322,400 | 3,025 |
| Average earning assets | $188,082,000 | 3,030 |
| Average equity | $19,999,600 | 3,147 |
| Average total loans | $153,203,800 | 2,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 776 |
| Cost of funding earning assets | 1.2303% | 4,688 |
| Net interest margin | 4.8604% | 595 |
| Noninterest income to average assets | 12.8310% | 51 |
| Noninterest expense to average assets | 13.7160% | 55 |
| Loan and lease loss provision to assets | 0.4141% | 3,421 |
| Net operating income to assets | 1.9650% | 356 |
| Return on assets (ROA) | 1.9650% | 386 |
| Pretax return on assets | 3.1272% | 109 |
| Return on Equity (ROE) | 20.5312% | 283 |
| Retained earnings to average equity (ytd only) | 19.9179% | 85 |
| Net charge-offs to loans | 0.3776% | 3,791 |
| Credit loss provision to net charge-offs | 145.9770% | 2,694 |
| Earnings coverage of net charge-offs (x) | 12.4827% | 1,680 |
| Efficiency ratio | 79.4452% | 2,427 |
| Assets per employee ($millions) | 0.5908% | 7,719 |
| Cash dividends to net income (ytd only)* | 2.9871% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,304 |
| Loan loss allowance to noncurrent loans | 169.9828% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 4,791 |
| Noncurrent loans to loans | 0.7275% | 5,747 |
| Net loans and leases to total assets | 74.4220% | 1,708 |
| Net loans and leases to deposits | 85.5433% | 2,434 |
| Net loans and leases to core deposits | 110.7367% | 996 |
| Total domestic deposits to total assets | 86.9992% | 2,533 |
| Equity capital to assets | 10.0079% | 4,147 |
| Core capital (leverage) ratio | 10.0324% | 3,219 |
| Tier 1 risk-based capital ratio | 12.5543% | 4,932 |
| Total risk-based capital ratio | 13.6739% | 5,021 |
| Memoranda: | ||
| Average total assets | $204,437,000 | 3,087 |
| Average earning assets | $186,179,250 | 3,095 |
| Average equity | $19,566,500 | 3,244 |
| Average total loans | $153,613,500 | 2,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 1,177 |
| Cost of funding earning assets | 1.2161% | 5,041 |
| Net interest margin | 4.6859% | 832 |
| Noninterest income to average assets | 11.0997% | 62 |
| Noninterest expense to average assets | 12.5187% | 59 |
| Loan and lease loss provision to assets | 0.2033% | 4,839 |
| Net operating income to assets | 1.6352% | 675 |
| Return on assets (ROA) | 1.6352% | 723 |
| Pretax return on assets | 2.6457% | 186 |
| Return on Equity (ROE) | 17.3643% | 532 |
| Retained earnings to average equity (ytd only) | 16.7325% | 168 |
| Net charge-offs to loans | 0.2708% | 3,989 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 14.0146% | 1,554 |
| Efficiency ratio | 81.4222% | 2,242 |
| Assets per employee ($millions) | 0.8020% | 7,780 |
| Cash dividends to net income (ytd only)* | 3.6386% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,819 |
| Loan loss allowance to noncurrent loans | 123.2365% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2779% | 4,591 |
| Noncurrent loans to loans | 0.9131% | 5,454 |
| Net loans and leases to total assets | 73.6713% | 1,986 |
| Net loans and leases to deposits | 89.6994% | 1,911 |
| Net loans and leases to core deposits | 118.9608% | 728 |
| Total domestic deposits to total assets | 82.1314% | 4,928 |
| Equity capital to assets | 9.3639% | 4,909 |
| Core capital (leverage) ratio | 9.8855% | 3,296 |
| Tier 1 risk-based capital ratio | 11.4504% | 5,824 |
| Total risk-based capital ratio | 12.4769% | 6,000 |
| Memoranda: | ||
| Average total assets | $201,682,000 | 3,139 |
| Average earning assets | $183,699,000 | 3,155 |
| Average equity | $18,993,000 | 3,303 |
| Average total loans | $151,391,670 | 2,810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 3,575 |
| Cost of funding earning assets | 1.2162% | 5,304 |
| Net interest margin | 4.0786% | 2,534 |
| Noninterest income to average assets | 10.2419% | 68 |
| Noninterest expense to average assets | 11.9030% | 65 |
| Loan and lease loss provision to assets | 0.2140% | 4,373 |
| Net operating income to assets | 1.1047% | 1,816 |
| Return on assets (ROA) | 1.1047% | 1,899 |
| Pretax return on assets | 1.8364% | 831 |
| Return on Equity (ROE) | 11.6946% | 1,585 |
| Retained earnings to average equity (ytd only) | 11.0473% | 913 |
| Net charge-offs to loans | 0.3408% | 3,045 |
| Credit loss provision to net charge-offs | 83.3333% | 3,799 |
| Earnings coverage of net charge-offs (x) | 7.9841% | 2,007 |
| Efficiency ratio | 85.2615% | 1,880 |
| Assets per employee ($millions) | 0.8460% | 7,877 |
| Cash dividends to net income (ytd only)* | 5.5351% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,369 |
| Loan loss allowance to noncurrent loans | 125.5167% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 4,120 |
| Noncurrent loans to loans | 0.9754% | 5,378 |
| Net loans and leases to total assets | 73.0211% | 2,196 |
| Net loans and leases to deposits | 82.6929% | 3,164 |
| Net loans and leases to core deposits | 108.5448% | 1,377 |
| Total domestic deposits to total assets | 88.3039% | 1,901 |
| Equity capital to assets | 9.6712% | 4,269 |
| Core capital (leverage) ratio | 9.8321% | 3,365 |
| Tier 1 risk-based capital ratio | 12.1851% | 5,006 |
| Total risk-based capital ratio | 13.2851% | 5,123 |
| Memoranda: | ||
| Average total assets | $196,253,000 | 3,272 |
| Average earning assets | $178,590,500 | 3,271 |
| Average equity | $18,538,500 | 3,391 |
| Average total loans | $147,906,000 | 2,928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9032% | 2,218 |
| Cost of funding earning assets | 1.4683% | 5,642 |
| Net interest margin | 4.4349% | 1,334 |
| Noninterest income to average assets | 9.4512% | 74 |
| Noninterest expense to average assets | 10.3603% | 95 |
| Loan and lease loss provision to assets | 0.5906% | 3,434 |
| Net operating income to assets | 1.6969% | 443 |
| Return on assets (ROA) | 1.5883% | 600 |
| Pretax return on assets | 2.3701% | 192 |
| Return on Equity (ROE) | 17.2079% | 437 |
| Retained earnings to average equity (ytd only) | 14.1828% | 114 |
| Net charge-offs to loans | 0.3894% | 4,265 |
| Credit loss provision to net charge-offs | 196.7800% | 2,008 |
| Earnings coverage of net charge-offs (x) | 10.4043% | 1,692 |
| Efficiency ratio | 76.4804% | 3,442 |
| Assets per employee ($millions) | 0.8997% | 7,956 |
| Cash dividends to net income (ytd only)* | 17.5794% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 5,521 |
| Loan loss allowance to noncurrent loans | 54.4621% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.2170% | 3,105 |
| Noncurrent loans to loans | 2.1531% | 3,449 |
| Net loans and leases to total assets | 75.8791% | 1,831 |
| Net loans and leases to deposits | 88.8144% | 2,419 |
| Net loans and leases to core deposits | 156.5008% | 385 |
| Total domestic deposits to total assets | 85.4356% | 3,331 |
| Equity capital to assets | 9.2251% | 4,811 |
| Core capital (leverage) ratio | 9.1612% | 4,179 |
| Tier 1 risk-based capital ratio | 10.6709% | 6,231 |
| Total risk-based capital ratio | 11.6701% | 6,454 |
| Memoranda: | ||
| Average total assets | $186,240,400 | 3,335 |
| Average earning assets | $169,314,400 | 3,363 |
| Average equity | $17,189,800 | 3,635 |
| Average total loans | $143,554,600 | 3,023 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0560% | 1,811 |
| Cost of funding earning assets | 1.5459% | 5,653 |
| Net interest margin | 4.5101% | 1,169 |
| Noninterest income to average assets | 8.0346% | 90 |
| Noninterest expense to average assets | 9.1998% | 114 |
| Loan and lease loss provision to assets | 0.7273% | 2,558 |
| Net operating income to assets | 1.5215% | 776 |
| Return on assets (ROA) | 1.5215% | 828 |
| Pretax return on assets | 2.2008% | 351 |
| Return on Equity (ROE) | 16.4826% | 599 |
| Retained earnings to average equity (ytd only) | 15.7735% | 136 |
| Net charge-offs to loans | 0.3158% | 4,065 |
| Credit loss provision to net charge-offs | 298.5075% | 1,387 |
| Earnings coverage of net charge-offs (x) | 12.0178% | 1,805 |
| Efficiency ratio | 75.3643% | 3,622 |
| Assets per employee ($millions) | 0.9865% | 8,040 |
| Cash dividends to net income (ytd only)* | 4.3022% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,874 |
| Loan loss allowance to noncurrent loans | 107.3803% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 2.4839% | 2,779 |
| Noncurrent loans to loans | 1.1592% | 5,005 |
| Net loans and leases to total assets | 76.6377% | 1,862 |
| Net loans and leases to deposits | 92.0975% | 2,214 |
| Net loans and leases to core deposits | 185.2102% | 155 |
| Total domestic deposits to total assets | 83.2136% | 4,107 |
| Equity capital to assets | 9.1065% | 5,323 |
| Core capital (leverage) ratio | 9.2079% | 4,322 |
| Tier 1 risk-based capital ratio | 10.9913% | 5,961 |
| Total risk-based capital ratio | 12.0584% | 6,111 |
| Memoranda: | ||
| Average total assets | $183,318,500 | 3,412 |
| Average earning assets | $166,377,000 | 3,440 |
| Average equity | $16,922,500 | 3,717 |
| Average total loans | $141,451,250 | 3,090 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0999% | 1,793 |
| Cost of funding earning assets | 1.6167% | 5,681 |
| Net interest margin | 4.4831% | 1,212 |
| Noninterest income to average assets | 6.8277% | 104 |
| Noninterest expense to average assets | 8.3412% | 154 |
| Loan and lease loss provision to assets | 0.3918% | 3,566 |
| Net operating income to assets | 1.4732% | 892 |
| Return on assets (ROA) | 1.4732% | 956 |
| Pretax return on assets | 2.1550% | 392 |
| Return on Equity (ROE) | 15.8803% | 716 |
| Retained earnings to average equity (ytd only) | 15.1563% | 200 |
| Net charge-offs to loans | 0.0349% | 5,975 |
| Credit loss provision to net charge-offs | 1,458.3333% | 351 |
| Earnings coverage of net charge-offs (x) | 94.7917% | 402 |
| Efficiency ratio | 76.0436% | 3,681 |
| Assets per employee ($millions) | 1.1542% | 8,118 |
| Cash dividends to net income (ytd only)* | 4.5593% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 5,971 |
| Loan loss allowance to noncurrent loans | 38.9898% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 3.1247% | 2,009 |
| Noncurrent loans to loans | 2.6653% | 2,705 |
| Net loans and leases to total assets | 78.3524% | 1,670 |
| Net loans and leases to deposits | 98.9110% | 1,402 |
| Net loans and leases to core deposits | 169.3733% | 323 |
| Total domestic deposits to total assets | 79.2151% | 5,745 |
| Equity capital to assets | 9.0013% | 5,316 |
| Core capital (leverage) ratio | 9.5427% | 3,821 |
| Tier 1 risk-based capital ratio | 11.2438% | 5,651 |
| Total risk-based capital ratio | 12.2762% | 5,777 |
| Memoranda: | ||
| Average total assets | $178,655,000 | 3,505 |
| Average earning assets | $161,806,330 | 3,529 |
| Average equity | $16,574,000 | 3,801 |
| Average total loans | $137,562,000 | 3,193 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2237% | 1,519 |
| Cost of funding earning assets | 1.8468% | 4,892 |
| Net interest margin | 4.3769% | 1,403 |
| Noninterest income to average assets | 5.6750% | 121 |
| Noninterest expense to average assets | 7.6130% | 171 |
| Loan and lease loss provision to assets | 0.2315% | 4,136 |
| Net operating income to assets | 1.2341% | 1,545 |
| Return on assets (ROA) | 1.2341% | 1,657 |
| Pretax return on assets | 1.7759% | 1,028 |
| Return on Equity (ROE) | 13.0882% | 1,366 |
| Retained earnings to average equity (ytd only) | 12.3761% | 730 |
| Net charge-offs to loans | 0.0672% | 4,529 |
| Credit loss provision to net charge-offs | 454.5455% | 1,166 |
| Earnings coverage of net charge-offs (x) | 39.4091% | 863 |
| Efficiency ratio | 78.4838% | 3,088 |
| Assets per employee ($millions) | 1.2530% | 8,149 |
| Cash dividends to net income (ytd only)* | 5.4409% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 6,088 |
| Loan loss allowance to noncurrent loans | 30.5678% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 3.8748% | 1,354 |
| Noncurrent loans to loans | 3.3173% | 1,931 |
| Net loans and leases to total assets | 75.5566% | 2,376 |
| Net loans and leases to deposits | 87.5992% | 3,356 |
| Net loans and leases to core deposits | 144.1110% | 929 |
| Total domestic deposits to total assets | 86.2526% | 2,584 |
| Equity capital to assets | 9.6937% | 4,392 |
| Core capital (leverage) ratio | 9.4418% | 4,053 |
| Tier 1 risk-based capital ratio | 11.7501% | 5,170 |
| Total risk-based capital ratio | 12.7017% | 5,354 |
| Memoranda: | ||
| Average total assets | $172,757,000 | 3,607 |
| Average earning assets | $155,728,000 | 3,651 |
| Average equity | $16,289,500 | 3,887 |
| Average total loans | $130,948,000 | 3,340 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8415% | 1,550 |
| Cost of funding earning assets | 2.4148% | 4,658 |
| Net interest margin | 4.4267% | 1,604 |
| Noninterest income to average assets | 3.8533% | 155 |
| Noninterest expense to average assets | 6.4267% | 343 |
| Loan and lease loss provision to assets | 0.3585% | 3,534 |
| Net operating income to assets | 0.8333% | 3,293 |
| Return on assets (ROA) | 0.7743% | 3,391 |
| Pretax return on assets | 0.9607% | 3,520 |
| Return on Equity (ROE) | 7.9618% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.5900% | 1,718 |
| Net charge-offs to loans | 0.2628% | 3,652 |
| Credit loss provision to net charge-offs | 185.4839% | 2,672 |
| Earnings coverage of net charge-offs (x) | 7.2032% | 3,162 |
| Efficiency ratio | 81.4623% | 2,378 |
| Assets per employee ($millions) | 1.5360% | 8,152 |
| Cash dividends to net income (ytd only)* | 29.7907% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,440 |
| Loan loss allowance to noncurrent loans | 27.5166% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 3.8788% | 1,080 |
| Noncurrent loans to loans | 3.4213% | 1,500 |
| Net loans and leases to total assets | 74.5728% | 2,970 |
| Net loans and leases to deposits | 94.2755% | 2,715 |
| Net loans and leases to core deposits | 138.9681% | 1,317 |
| Total domestic deposits to total assets | 79.1010% | 5,337 |
| Equity capital to assets | 9.1717% | 5,124 |
| Core capital (leverage) ratio | 8.8772% | 4,930 |
| Tier 1 risk-based capital ratio | 11.5515% | 5,196 |
| Total risk-based capital ratio | 12.4613% | 5,410 |
| Memoranda: | ||
| Average total assets | $160,409,600 | 3,714 |
| Average earning assets | $143,696,400 | 3,767 |
| Average equity | $15,599,400 | 4,005 |
| Average total loans | $117,938,600 | 3,509 |