Home > Bank of San Francisco > Performance and Condition Ratios
Bank of San Francisco, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 2,034 |
| Cost of funding earning assets | 1.2981% | 2,521 |
| Net interest margin | 3.7246% | 1,710 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.0636% | 3,488 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1424% | 1,803 |
| Return on assets (ROA) | 1.1424% | 1,776 |
| Pretax return on assets | 1.6233% | 1,192 |
| Return on Equity (ROE) | 10.6900% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.6946% | 858 |
| Net charge-offs to loans | 0.1418% | 716 |
| Credit loss provision to net charge-offs | 40.0552% | 2,239 |
| Earnings coverage of net charge-offs (x) | 14.0014% | 2,091 |
| Efficiency ratio | 55.2549% | 3,571 |
| Assets per employee ($millions) | 13.0208% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 1,597 |
| Loan loss allowance to noncurrent loans | 166.9554% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 808 |
| Noncurrent loans to loans | 0.8049% | 964 |
| Net loans and leases to total assets | 80.9200% | 542 |
| Net loans and leases to deposits | 92.4865% | 1,052 |
| Net loans and leases to core deposits | 118.7273% | 666 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 11.1725% | 1,410 |
| Core capital (leverage) ratio | 11.2135% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3622% | 855 |
| Memoranda: | ||
| Average total assets | $606,608,400 | 1,463 |
| Average earning assets | $583,525,000 | 1,410 |
| Average equity | $64,799,200 | 1,321 |
| Average total loans | $510,441,000 | 1,211 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 1,955 |
| Cost of funding earning assets | 1.2391% | 2,306 |
| Net interest margin | 3.7090% | 1,759 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0768% | 3,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1719% | 1,876 |
| Return on assets (ROA) | 1.1719% | 1,856 |
| Pretax return on assets | 1.6651% | 1,228 |
| Return on Equity (ROE) | 11.1000% | 2,350 |
| Retained earnings to average equity (ytd only) | 11.0994% | 1,144 |
| Net charge-offs to loans | -0.0023% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.5013% | 3,445 |
| Assets per employee ($millions) | 13.3085% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,354 |
| Loan loss allowance to noncurrent loans | 182.3903% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 891 |
| Noncurrent loans to loans | 0.7809% | 1,062 |
| Net loans and leases to total assets | 81.2700% | 503 |
| Net loans and leases to deposits | 92.7424% | 992 |
| Net loans and leases to core deposits | 117.9138% | 608 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 10.8860% | 1,389 |
| Core capital (leverage) ratio | 10.7760% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8580% | 964 |
| Memoranda: | ||
| Average total assets | $605,266,500 | 1,469 |
| Average earning assets | $583,432,000 | 1,413 |
| Average equity | $63,905,750 | 1,322 |
| Average total loans | $512,566,000 | 1,201 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 1,965 |
| Cost of funding earning assets | 1.1612% | 2,105 |
| Net interest margin | 3.6533% | 1,908 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0837% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1507% | 1,967 |
| Return on assets (ROA) | 1.1507% | 1,963 |
| Pretax return on assets | 1.6346% | 1,350 |
| Return on Equity (ROE) | 11.0100% | 2,413 |
| Retained earnings to average equity (ytd only) | 11.0139% | 1,183 |
| Net charge-offs to loans | -0.0035% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0393% | 3,407 |
| Assets per employee ($millions) | 12.7583% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,501 |
| Loan loss allowance to noncurrent loans | 176.1765% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 792 |
| Noncurrent loans to loans | 0.7995% | 954 |
| Net loans and leases to total assets | 82.1600% | 406 |
| Net loans and leases to deposits | 93.2112% | 935 |
| Net loans and leases to core deposits | 119.9278% | 515 |
| Total domestic deposits to total assets | 88.1400% | 1,555 |
| Equity capital to assets | 10.5621% | 1,567 |
| Core capital (leverage) ratio | 10.7772% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0985% | 1,109 |
| Memoranda: | ||
| Average total assets | $602,958,667 | 1,469 |
| Average earning assets | $580,787,667 | 1,420 |
| Average equity | $62,993,333 | 1,336 |
| Average total loans | $515,187,000 | 1,190 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 1,918 |
| Cost of funding earning assets | 0.9976% | 2,060 |
| Net interest margin | 3.6747% | 1,955 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.0839% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1101% | 2,192 |
| Return on assets (ROA) | 1.1101% | 2,159 |
| Pretax return on assets | 1.5776% | 1,515 |
| Return on Equity (ROE) | 10.7000% | 2,579 |
| Retained earnings to average equity (ytd only) | 10.7043% | 1,537 |
| Net charge-offs to loans | -0.0070% | 3,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.9132% | 3,311 |
| Assets per employee ($millions) | 12.6019% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,623 |
| Loan loss allowance to noncurrent loans | 167.6697% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 690 |
| Noncurrent loans to loans | 0.8351% | 918 |
| Net loans and leases to total assets | 83.6800% | 257 |
| Net loans and leases to deposits | 94.7270% | 735 |
| Net loans and leases to core deposits | 124.4850% | 356 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 10.3359% | 1,648 |
| Core capital (leverage) ratio | 10.5602% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6064% | 1,233 |
| Memoranda: | ||
| Average total assets | $598,120,500 | 1,504 |
| Average earning assets | $576,588,000 | 1,454 |
| Average equity | $62,031,000 | 1,363 |
| Average total loans | $517,611,000 | 1,194 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 1,133 |
| Cost of funding earning assets | 0.3167% | 2,744 |
| Net interest margin | 3.9458% | 866 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.0103% | 3,558 |
| Loan and lease loss provision to assets | 0.5200% | 114 |
| Net operating income to assets | 0.9712% | 2,670 |
| Return on assets (ROA) | 0.9712% | 2,612 |
| Pretax return on assets | 1.3744% | 1,846 |
| Return on Equity (ROE) | 9.9600% | 2,822 |
| Retained earnings to average equity (ytd only) | 9.9562% | 1,168 |
| Net charge-offs to loans | 0.7723% | 89 |
| Credit loss provision to net charge-offs | 80.0564% | 1,682 |
| Earnings coverage of net charge-offs (x) | 2.9272% | 2,488 |
| Efficiency ratio | 51.5179% | 4,029 |
| Assets per employee ($millions) | 12.5820% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,279 |
| Loan loss allowance to noncurrent loans | 146.1750% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 644 |
| Noncurrent loans to loans | 0.8366% | 891 |
| Net loans and leases to total assets | 87.1700% | 97 |
| Net loans and leases to deposits | 98.6938% | 492 |
| Net loans and leases to core deposits | 115.4858% | 454 |
| Total domestic deposits to total assets | 88.3200% | 1,961 |
| Equity capital to assets | 10.4068% | 1,496 |
| Core capital (leverage) ratio | 10.2584% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9980% | 1,372 |
| Memoranda: | ||
| Average total assets | $603,591,000 | 1,469 |
| Average earning assets | $580,087,200 | 1,425 |
| Average equity | $58,877,800 | 1,423 |
| Average total loans | $505,124,000 | 1,172 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 1,077 |
| Cost of funding earning assets | 0.2307% | 2,921 |
| Net interest margin | 3.8670% | 857 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.0565% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2567% | 1,503 |
| Return on assets (ROA) | 1.2567% | 1,471 |
| Pretax return on assets | 1.7851% | 760 |
| Return on Equity (ROE) | 13.1000% | 1,670 |
| Retained earnings to average equity (ytd only) | 13.0966% | 593 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5328% | 3,861 |
| Assets per employee ($millions) | 13.2719% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,661 |
| Loan loss allowance to noncurrent loans | 161.9177% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 711 |
| Noncurrent loans to loans | 0.8551% | 920 |
| Net loans and leases to total assets | 83.5300% | 283 |
| Net loans and leases to deposits | 94.1706% | 633 |
| Net loans and leases to core deposits | 107.0897% | 558 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 10.0456% | 1,595 |
| Core capital (leverage) ratio | 9.8341% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1441% | 1,390 |
| Memoranda: | ||
| Average total assets | $606,650,750 | 1,472 |
| Average earning assets | $582,630,000 | 1,430 |
| Average equity | $58,212,000 | 1,453 |
| Average total loans | $500,943,250 | 1,175 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 990 |
| Cost of funding earning assets | 0.1848% | 3,114 |
| Net interest margin | 3.7830% | 779 |
| Noninterest income to average assets | 0.1074% | 4,453 |
| Noninterest expense to average assets | 2.0341% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2006% | 1,424 |
| Return on assets (ROA) | 1.2006% | 1,411 |
| Pretax return on assets | 1.7054% | 744 |
| Return on Equity (ROE) | 12.7123% | 1,460 |
| Retained earnings to average equity (ytd only) | 12.7123% | 502 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3953% | 3,928 |
| Assets per employee ($millions) | 12.8818% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,554 |
| Loan loss allowance to noncurrent loans | 158.5474% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 749 |
| Noncurrent loans to loans | 0.9153% | 911 |
| Net loans and leases to total assets | 77.0323% | 635 |
| Net loans and leases to deposits | 85.2701% | 1,029 |
| Net loans and leases to core deposits | 97.7913% | 764 |
| Total domestic deposits to total assets | 90.3391% | 1,556 |
| Equity capital to assets | 9.3617% | 2,122 |
| Core capital (leverage) ratio | 9.7046% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4671% | 1,308 |
| Memoranda: | ||
| Average total assets | $605,365,333 | 1,482 |
| Average earning assets | $581,230,667 | 1,445 |
| Average equity | $57,173,000 | 1,499 |
| Average total loans | $495,545,333 | 1,178 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 796 |
| Cost of funding earning assets | 0.1530% | 3,467 |
| Net interest margin | 3.8327% | 597 |
| Noninterest income to average assets | 0.1587% | 4,206 |
| Noninterest expense to average assets | 2.0046% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2848% | 1,033 |
| Return on assets (ROA) | 1.2848% | 1,025 |
| Pretax return on assets | 1.8250% | 521 |
| Return on Equity (ROE) | 13.5412% | 924 |
| Retained earnings to average equity (ytd only) | 13.5412% | 415 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3449% | 4,176 |
| Assets per employee ($millions) | 12.4562% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,645 |
| Loan loss allowance to noncurrent loans | 156.9487% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 710 |
| Noncurrent loans to loans | 0.9376% | 973 |
| Net loans and leases to total assets | 81.8847% | 171 |
| Net loans and leases to deposits | 91.2942% | 460 |
| Net loans and leases to core deposits | 106.2278% | 346 |
| Total domestic deposits to total assets | 89.6932% | 1,720 |
| Equity capital to assets | 9.7733% | 2,071 |
| Core capital (leverage) ratio | 9.5565% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7883% | 1,311 |
| Memoranda: | ||
| Average total assets | $592,444,500 | 1,519 |
| Average earning assets | $567,437,500 | 1,488 |
| Average equity | $56,213,500 | 1,566 |
| Average total loans | $496,621,500 | 1,169 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 1,673 |
| Cost of funding earning assets | 0.1714% | 3,764 |
| Net interest margin | 3.7063% | 1,197 |
| Noninterest income to average assets | 0.0994% | 4,607 |
| Noninterest expense to average assets | 1.7105% | 4,281 |
| Loan and lease loss provision to assets | 0.0152% | 2,773 |
| Net operating income to assets | 1.3686% | 1,380 |
| Return on assets (ROA) | 1.3686% | 1,431 |
| Pretax return on assets | 1.9433% | 673 |
| Return on Equity (ROE) | 17.7540% | 488 |
| Retained earnings to average equity (ytd only) | 17.7540% | 97 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6194% | 4,471 |
| Assets per employee ($millions) | 13.0315% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,879 |
| Loan loss allowance to noncurrent loans | 152.8934% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 775 |
| Noncurrent loans to loans | 0.9242% | 1,095 |
| Net loans and leases to total assets | 83.3327% | 133 |
| Net loans and leases to deposits | 92.2017% | 458 |
| Net loans and leases to core deposits | 109.1355% | 301 |
| Total domestic deposits to total assets | 90.3808% | 771 |
| Equity capital to assets | 9.2101% | 3,409 |
| Core capital (leverage) ratio | 9.1321% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4474% | 1,402 |
| Memoranda: | ||
| Average total assets | $656,669,000 | 1,350 |
| Average earning assets | $632,430,000 | 1,321 |
| Average equity | $50,619,600 | 1,744 |
| Average total loans | $537,661,400 | 1,104 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 1,961 |
| Cost of funding earning assets | 0.1779% | 3,841 |
| Net interest margin | 3.6490% | 1,468 |
| Noninterest income to average assets | 0.1111% | 4,624 |
| Noninterest expense to average assets | 1.6726% | 4,368 |
| Loan and lease loss provision to assets | 0.0198% | 2,604 |
| Net operating income to assets | 1.3636% | 1,646 |
| Return on assets (ROA) | 1.3636% | 1,702 |
| Pretax return on assets | 1.9362% | 889 |
| Return on Equity (ROE) | 18.4935% | 569 |
| Retained earnings to average equity (ytd only) | 18.4935% | 181 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0928% | 4,498 |
| Assets per employee ($millions) | 13.3549% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,991 |
| Loan loss allowance to noncurrent loans | 214.8860% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 1,438 |
| Noncurrent loans to loans | 0.6555% | 1,673 |
| Net loans and leases to total assets | 79.8407% | 301 |
| Net loans and leases to deposits | 91.2325% | 530 |
| Net loans and leases to core deposits | 111.2435% | 302 |
| Total domestic deposits to total assets | 87.5134% | 2,102 |
| Equity capital to assets | 8.4406% | 4,249 |
| Core capital (leverage) ratio | 8.7036% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6048% | 1,452 |
| Memoranda: | ||
| Average total assets | $670,974,000 | 1,337 |
| Average earning assets | $646,809,500 | 1,311 |
| Average equity | $49,472,000 | 1,795 |
| Average total loans | $545,402,500 | 1,114 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 2,091 |
| Cost of funding earning assets | 0.1846% | 3,906 |
| Net interest margin | 3.6076% | 1,575 |
| Noninterest income to average assets | 0.0516% | 4,838 |
| Noninterest expense to average assets | 1.6577% | 4,433 |
| Loan and lease loss provision to assets | 0.0292% | 2,393 |
| Net operating income to assets | 1.3026% | 1,860 |
| Return on assets (ROA) | 1.3026% | 1,928 |
| Pretax return on assets | 1.8497% | 1,125 |
| Return on Equity (ROE) | 18.4835% | 598 |
| Retained earnings to average equity (ytd only) | 18.4835% | 207 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8729% | 4,473 |
| Assets per employee ($millions) | 14.5816% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,327 |
| Loan loss allowance to noncurrent loans | 208.0186% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 1,582 |
| Noncurrent loans to loans | 0.6357% | 1,820 |
| Net loans and leases to total assets | 81.4299% | 242 |
| Net loans and leases to deposits | 97.1977% | 345 |
| Net loans and leases to core deposits | 123.9959% | 176 |
| Total domestic deposits to total assets | 83.7776% | 3,498 |
| Equity capital to assets | 7.7009% | 4,678 |
| Core capital (leverage) ratio | 8.8111% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5490% | 1,456 |
| Memoranda: | ||
| Average total assets | $685,405,667 | 1,317 |
| Average earning assets | $662,110,333 | 1,286 |
| Average equity | $48,302,667 | 1,820 |
| Average total loans | $557,769,000 | 1,098 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 2,099 |
| Cost of funding earning assets | 0.1861% | 4,035 |
| Net interest margin | 3.6141% | 1,547 |
| Noninterest income to average assets | 0.0463% | 4,859 |
| Noninterest expense to average assets | 1.5040% | 4,647 |
| Loan and lease loss provision to assets | 0.0571% | 1,972 |
| Net operating income to assets | 1.4022% | 1,567 |
| Return on assets (ROA) | 1.4022% | 1,641 |
| Pretax return on assets | 1.9914% | 959 |
| Return on Equity (ROE) | 20.8017% | 484 |
| Retained earnings to average equity (ytd only) | 20.8017% | 244 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3355% | 4,659 |
| Assets per employee ($millions) | 16.1252% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,792 |
| Loan loss allowance to noncurrent loans | 123.7042% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 1,125 |
| Noncurrent loans to loans | 0.9905% | 1,359 |
| Net loans and leases to total assets | 79.5426% | 358 |
| Net loans and leases to deposits | 101.7213% | 246 |
| Net loans and leases to core deposits | 142.2565% | 88 |
| Total domestic deposits to total assets | 78.1966% | 4,419 |
| Equity capital to assets | 6.6770% | 4,896 |
| Core capital (leverage) ratio | 8.5208% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4938% | 1,432 |
| Memoranda: | ||
| Average total assets | $700,021,500 | 1,283 |
| Average earning assets | $679,119,500 | 1,245 |
| Average equity | $47,188,500 | 1,855 |
| Average total loans | $565,912,500 | 1,092 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 3,559 |
| Cost of funding earning assets | 0.3320% | 3,966 |
| Net interest margin | 3.3742% | 2,856 |
| Noninterest income to average assets | 0.1214% | 4,665 |
| Noninterest expense to average assets | 1.7493% | 4,547 |
| Loan and lease loss provision to assets | 0.4840% | 536 |
| Net operating income to assets | 0.8257% | 2,993 |
| Return on assets (ROA) | 0.8257% | 3,118 |
| Pretax return on assets | 1.1728% | 2,431 |
| Return on Equity (ROE) | 10.7911% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.7911% | 460 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3584% | 4,433 |
| Assets per employee ($millions) | 14.9868% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,466 |
| Loan loss allowance to noncurrent loans | 141.9095% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 1,401 |
| Noncurrent loans to loans | 0.9087% | 1,552 |
| Net loans and leases to total assets | 80.1319% | 417 |
| Net loans and leases to deposits | 100.8854% | 335 |
| Net loans and leases to core deposits | 133.9036% | 169 |
| Total domestic deposits to total assets | 79.4286% | 4,149 |
| Equity capital to assets | 6.8098% | 4,931 |
| Core capital (leverage) ratio | 8.2479% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6740% | 1,635 |
| Memoranda: | ||
| Average total assets | $564,103,600 | 1,410 |
| Average earning assets | $549,140,200 | 1,352 |
| Average equity | $43,165,400 | 1,904 |
| Average total loans | $449,093,600 | 1,227 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 3,753 |
| Cost of funding earning assets | 0.3716% | 3,951 |
| Net interest margin | 3.3494% | 3,043 |
| Noninterest income to average assets | 0.1054% | 4,739 |
| Noninterest expense to average assets | 1.7348% | 4,583 |
| Loan and lease loss provision to assets | 0.6138% | 402 |
| Net operating income to assets | 0.7132% | 3,420 |
| Return on assets (ROA) | 0.7132% | 3,520 |
| Pretax return on assets | 1.0134% | 3,018 |
| Return on Equity (ROE) | 9.0089% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.0089% | 976 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6003% | 4,372 |
| Assets per employee ($millions) | 14.4005% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 2,247 |
| Loan loss allowance to noncurrent loans | 654.4755% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,628 |
| Noncurrent loans to loans | 0.1955% | 3,611 |
| Net loans and leases to total assets | 79.1928% | 687 |
| Net loans and leases to deposits | 101.7018% | 465 |
| Net loans and leases to core deposits | 130.7803% | 239 |
| Total domestic deposits to total assets | 77.8677% | 4,218 |
| Equity capital to assets | 6.6526% | 4,981 |
| Core capital (leverage) ratio | 8.1744% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4015% | 1,396 |
| Memoranda: | ||
| Average total assets | $536,527,750 | 1,443 |
| Average earning assets | $521,667,000 | 1,395 |
| Average equity | $42,475,250 | 1,909 |
| Average total loans | $424,498,250 | 1,278 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,774 |
| Cost of funding earning assets | 0.4338% | 3,878 |
| Net interest margin | 3.4010% | 3,103 |
| Noninterest income to average assets | 0.1343% | 4,632 |
| Noninterest expense to average assets | 1.7854% | 4,579 |
| Loan and lease loss provision to assets | 0.6248% | 497 |
| Net operating income to assets | 0.7186% | 3,325 |
| Return on assets (ROA) | 0.7186% | 3,434 |
| Pretax return on assets | 1.0215% | 2,963 |
| Return on Equity (ROE) | 8.4731% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.4731% | 1,171 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0269% | 4,351 |
| Assets per employee ($millions) | 15.5414% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.1347% | 1,118 |
| Net loans and leases to deposits | 97.2309% | 710 |
| Net loans and leases to core deposits | 122.8215% | 366 |
| Total domestic deposits to total assets | 78.3030% | 4,145 |
| Equity capital to assets | 6.4175% | 5,020 |
| Core capital (leverage) ratio | 7.9389% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4860% | 1,369 |
| Memoranda: | ||
| Average total assets | $494,563,333 | 1,514 |
| Average earning assets | $479,509,000 | 1,458 |
| Average equity | $41,944,333 | 1,921 |
| Average total loans | $388,867,667 | 1,360 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,724 |
| Cost of funding earning assets | 0.5487% | 3,700 |
| Net interest margin | 3.8183% | 1,907 |
| Noninterest income to average assets | 0.1050% | 4,804 |
| Noninterest expense to average assets | 2.3115% | 3,749 |
| Loan and lease loss provision to assets | 0.1913% | 1,569 |
| Net operating income to assets | 0.9016% | 2,520 |
| Return on assets (ROA) | 0.9016% | 2,622 |
| Pretax return on assets | 1.2823% | 1,921 |
| Return on Equity (ROE) | 8.8636% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.8636% | 1,009 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0679% | 3,607 |
| Assets per employee ($millions) | 9.2903% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 78.0251% | 981 |
| Net loans and leases to deposits | 90.0144% | 1,511 |
| Net loans and leases to core deposits | 114.3336% | 652 |
| Total domestic deposits to total assets | 86.6807% | 1,699 |
| Equity capital to assets | 10.0379% | 3,749 |
| Core capital (leverage) ratio | 11.0355% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4850% | 1,477 |
| Memoranda: | ||
| Average total assets | $407,705,000 | 1,739 |
| Average earning assets | $392,946,000 | 1,689 |
| Average equity | $41,473,000 | 1,932 |
| Average total loans | $325,967,500 | 1,535 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 1,727 |
| Cost of funding earning assets | 0.6658% | 3,328 |
| Net interest margin | 4.2429% | 1,225 |
| Noninterest income to average assets | 0.2286% | 4,299 |
| Noninterest expense to average assets | 2.5722% | 3,254 |
| Loan and lease loss provision to assets | 0.1099% | 1,897 |
| Net operating income to assets | 1.1440% | 2,278 |
| Return on assets (ROA) | 1.1440% | 2,375 |
| Pretax return on assets | 1.6230% | 1,421 |
| Return on Equity (ROE) | 10.4710% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.4710% | 407 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7472% | 3,735 |
| Assets per employee ($millions) | 9.4606% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.7504% | 819 |
| Net loans and leases to deposits | 89.8116% | 1,612 |
| Net loans and leases to core deposits | 104.8150% | 1,178 |
| Total domestic deposits to total assets | 88.7974% | 751 |
| Equity capital to assets | 10.3137% | 3,620 |
| Core capital (leverage) ratio | 10.8374% | 2,649 |
| Tier 1 risk-based capital ratio | 15.2293% | 2,682 |
| Total risk-based capital ratio | 16.4841% | 2,617 |
| Memoranda: | ||
| Average total assets | $354,717,000 | 1,894 |
| Average earning assets | $340,800,800 | 1,843 |
| Average equity | $38,754,800 | 1,988 |
| Average total loans | $301,273,600 | 1,595 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,717 |
| Cost of funding earning assets | 0.6816% | 3,298 |
| Net interest margin | 4.2536% | 1,264 |
| Noninterest income to average assets | 0.2740% | 4,108 |
| Noninterest expense to average assets | 2.6576% | 2,989 |
| Loan and lease loss provision to assets | 0.1163% | 1,676 |
| Net operating income to assets | 1.1137% | 2,522 |
| Return on assets (ROA) | 1.1137% | 2,611 |
| Pretax return on assets | 1.5850% | 1,686 |
| Return on Equity (ROE) | 10.0316% | 2,414 |
| Retained earnings to average equity (ytd only) | 10.0316% | 741 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9708% | 3,479 |
| Assets per employee ($millions) | 8.8065% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.9092% | 264 |
| Net loans and leases to deposits | 96.4722% | 963 |
| Net loans and leases to core deposits | 115.6456% | 673 |
| Total domestic deposits to total assets | 88.0142% | 1,030 |
| Equity capital to assets | 11.0043% | 3,100 |
| Core capital (leverage) ratio | 10.8854% | 2,751 |
| Tier 1 risk-based capital ratio | 15.0943% | 2,803 |
| Total risk-based capital ratio | 16.3494% | 2,733 |
| Memoranda: | ||
| Average total assets | $344,059,750 | 1,940 |
| Average earning assets | $330,408,750 | 1,897 |
| Average equity | $38,198,250 | 2,017 |
| Average total loans | $296,288,250 | 1,631 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,990 |
| Cost of funding earning assets | 0.6614% | 3,348 |
| Net interest margin | 4.1616% | 1,454 |
| Noninterest income to average assets | 0.2506% | 4,256 |
| Noninterest expense to average assets | 2.6478% | 3,066 |
| Loan and lease loss provision to assets | 0.0946% | 1,962 |
| Net operating income to assets | 1.0568% | 2,693 |
| Return on assets (ROA) | 1.0568% | 2,758 |
| Pretax return on assets | 1.5024% | 1,853 |
| Return on Equity (ROE) | 9.4888% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.4888% | 911 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3782% | 3,369 |
| Assets per employee ($millions) | 8.5934% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.6671% | 239 |
| Net loans and leases to deposits | 97.2807% | 910 |
| Net loans and leases to core deposits | 122.2256% | 481 |
| Total domestic deposits to total assets | 88.0617% | 1,080 |
| Equity capital to assets | 10.9528% | 3,112 |
| Core capital (leverage) ratio | 11.3500% | 2,296 |
| Tier 1 risk-based capital ratio | 15.1218% | 2,781 |
| Total risk-based capital ratio | 16.3768% | 2,707 |
| Memoranda: | ||
| Average total assets | $338,390,330 | 1,969 |
| Average earning assets | $324,781,670 | 1,929 |
| Average equity | $37,686,670 | 2,033 |
| Average total loans | $291,444,330 | 1,652 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,029 |
| Cost of funding earning assets | 0.5859% | 3,647 |
| Net interest margin | 4.1759% | 1,360 |
| Noninterest income to average assets | 0.2909% | 3,933 |
| Noninterest expense to average assets | 2.5647% | 3,317 |
| Loan and lease loss provision to assets | 0.0905% | 1,901 |
| Net operating income to assets | 1.1502% | 2,268 |
| Return on assets (ROA) | 1.1502% | 2,318 |
| Pretax return on assets | 1.6354% | 1,381 |
| Return on Equity (ROE) | 10.2377% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.2377% | 979 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7750% | 3,843 |
| Assets per employee ($millions) | 8.3439% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.0183% | 275 |
| Net loans and leases to deposits | 96.9386% | 895 |
| Net loans and leases to core deposits | 122.6124% | 460 |
| Total domestic deposits to total assets | 87.7032% | 1,477 |
| Equity capital to assets | 11.3035% | 2,559 |
| Core capital (leverage) ratio | 11.6186% | 2,035 |
| Tier 1 risk-based capital ratio | 15.7150% | 2,564 |
| Total risk-based capital ratio | 16.9707% | 2,480 |
| Memoranda: | ||
| Average total assets | $331,421,000 | 2,017 |
| Average earning assets | $317,442,500 | 1,968 |
| Average equity | $37,235,000 | 2,047 |
| Average total loans | $284,201,500 | 1,699 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 1,849 |
| Cost of funding earning assets | 0.3216% | 4,456 |
| Net interest margin | 4.3698% | 1,003 |
| Noninterest income to average assets | 0.2261% | 4,566 |
| Noninterest expense to average assets | 2.6754% | 3,107 |
| Loan and lease loss provision to assets | 0.2507% | 683 |
| Net operating income to assets | 1.0714% | 2,712 |
| Return on assets (ROA) | 1.0714% | 2,694 |
| Pretax return on assets | 1.5114% | 1,744 |
| Return on Equity (ROE) | 10.6210% | 2,236 |
| Retained earnings to average equity (ytd only) | 10.6210% | 504 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2902% | 3,807 |
| Assets per employee ($millions) | 8.4382% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.0796% | 409 |
| Net loans and leases to deposits | 95.0666% | 1,165 |
| Net loans and leases to core deposits | 99.6047% | 1,746 |
| Total domestic deposits to total assets | 88.4429% | 1,100 |
| Equity capital to assets | 11.1654% | 2,539 |
| Core capital (leverage) ratio | 10.9664% | 2,556 |
| Tier 1 risk-based capital ratio | 15.7590% | 2,509 |
| Total risk-based capital ratio | 17.0150% | 2,431 |
| Memoranda: | ||
| Average total assets | $309,114,000 | 2,097 |
| Average earning assets | $297,906,800 | 2,029 |
| Average equity | $31,183,400 | 2,271 |
| Average total loans | $258,090,400 | 1,790 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,102 |
| Cost of funding earning assets | 0.2993% | 4,523 |
| Net interest margin | 4.2622% | 1,203 |
| Noninterest income to average assets | 0.2657% | 4,372 |
| Noninterest expense to average assets | 2.6844% | 3,018 |
| Loan and lease loss provision to assets | 0.2587% | 601 |
| Net operating income to assets | 1.0092% | 3,044 |
| Return on assets (ROA) | 1.0092% | 3,056 |
| Pretax return on assets | 1.4362% | 2,102 |
| Return on Equity (ROE) | 10.3019% | 2,479 |
| Retained earnings to average equity (ytd only) | 10.3019% | 825 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2974% | 3,619 |
| Assets per employee ($millions) | 8.2386% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.5321% | 511 |
| Net loans and leases to deposits | 94.3126% | 1,346 |
| Net loans and leases to core deposits | 98.6655% | 1,889 |
| Total domestic deposits to total assets | 88.5694% | 1,016 |
| Equity capital to assets | 11.1122% | 2,557 |
| Core capital (leverage) ratio | 11.1363% | 2,471 |
| Tier 1 risk-based capital ratio | 15.3213% | 2,731 |
| Total risk-based capital ratio | 16.5766% | 2,650 |
| Memoranda: | ||
| Average total assets | $304,120,500 | 2,137 |
| Average earning assets | $293,520,250 | 2,071 |
| Average equity | $29,793,250 | 2,354 |
| Average total loans | $252,454,000 | 1,817 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 2,247 |
| Cost of funding earning assets | 0.2828% | 4,546 |
| Net interest margin | 4.1700% | 1,354 |
| Noninterest income to average assets | 0.3405% | 3,903 |
| Noninterest expense to average assets | 2.7527% | 2,837 |
| Loan and lease loss provision to assets | 0.3083% | 451 |
| Net operating income to assets | 0.9142% | 3,399 |
| Return on assets (ROA) | 0.9142% | 3,401 |
| Pretax return on assets | 1.3016% | 2,504 |
| Return on Equity (ROE) | 9.8048% | 2,655 |
| Retained earnings to average equity (ytd only) | 9.8048% | 984 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0972% | 3,452 |
| Assets per employee ($millions) | 8.1391% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.8705% | 596 |
| Net loans and leases to deposits | 93.6928% | 1,389 |
| Net loans and leases to core deposits | 98.1049% | 1,883 |
| Total domestic deposits to total assets | 88.4492% | 1,167 |
| Equity capital to assets | 11.2317% | 2,425 |
| Core capital (leverage) ratio | 11.2884% | 2,266 |
| Tier 1 risk-based capital ratio | 15.3558% | 2,706 |
| Total risk-based capital ratio | 16.6105% | 2,636 |
| Memoranda: | ||
| Average total assets | $298,392,670 | 2,184 |
| Average earning assets | $287,815,330 | 2,111 |
| Average equity | $27,823,000 | 2,479 |
| Average total loans | $245,889,670 | 1,861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,453 |
| Cost of funding earning assets | 0.2604% | 4,645 |
| Net interest margin | 4.0588% | 1,541 |
| Noninterest income to average assets | 0.2758% | 4,321 |
| Noninterest expense to average assets | 2.7254% | 2,958 |
| Loan and lease loss provision to assets | 0.3550% | 341 |
| Net operating income to assets | 0.7797% | 3,794 |
| Return on assets (ROA) | 0.7797% | 3,792 |
| Pretax return on assets | 1.1115% | 3,132 |
| Return on Equity (ROE) | 9.3739% | 2,731 |
| Retained earnings to average equity (ytd only) | 9.3739% | 1,336 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0163% | 3,315 |
| Assets per employee ($millions) | 7.5898% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 1,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.6994% | 572 |
| Net loans and leases to deposits | 90.6207% | 1,614 |
| Net loans and leases to core deposits | 104.6625% | 1,333 |
| Total domestic deposits to total assets | 91.2588% | 235 |
| Equity capital to assets | 8.3331% | 5,087 |
| Core capital (leverage) ratio | 8.6952% | 4,996 |
| Tier 1 risk-based capital ratio | 11.2237% | 5,019 |
| Total risk-based capital ratio | 12.4781% | 4,912 |
| Memoranda: | ||
| Average total assets | $292,946,000 | 2,236 |
| Average earning assets | $282,645,500 | 2,164 |
| Average equity | $24,365,500 | 2,735 |
| Average total loans | $238,868,500 | 1,904 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,926 |
| Cost of funding earning assets | 0.2644% | 4,443 |
| Net interest margin | 3.8722% | 2,179 |
| Noninterest income to average assets | 0.3062% | 4,269 |
| Noninterest expense to average assets | 2.6929% | 3,149 |
| Loan and lease loss provision to assets | 0.2266% | 865 |
| Net operating income to assets | 0.5032% | 4,368 |
| Return on assets (ROA) | 0.5032% | 4,402 |
| Pretax return on assets | 1.1221% | 3,102 |
| Return on Equity (ROE) | 5.5757% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.5757% | 1,787 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6286% | 3,145 |
| Assets per employee ($millions) | 7.6287% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,842 |
| Loan loss allowance to noncurrent loans | 904.2857% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,528 |
| Noncurrent loans to loans | 0.1525% | 4,317 |
| Net loans and leases to total assets | 78.0831% | 1,280 |
| Net loans and leases to deposits | 85.4838% | 2,329 |
| Net loans and leases to core deposits | 93.9833% | 2,198 |
| Total domestic deposits to total assets | 91.3426% | 169 |
| Equity capital to assets | 8.3014% | 5,259 |
| Core capital (leverage) ratio | 8.2618% | 5,313 |
| Tier 1 risk-based capital ratio | 11.8162% | 4,650 |
| Total risk-based capital ratio | 13.0705% | 4,535 |
| Memoranda: | ||
| Average total assets | $260,317,400 | 2,412 |
| Average earning assets | $251,120,800 | 2,341 |
| Average equity | $23,494,800 | 2,807 |
| Average total loans | $205,382,200 | 2,115 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,946 |
| Cost of funding earning assets | 0.2605% | 4,474 |
| Net interest margin | 3.8517% | 2,214 |
| Noninterest income to average assets | 0.3289% | 4,184 |
| Noninterest expense to average assets | 2.7154% | 3,011 |
| Loan and lease loss provision to assets | 0.1634% | 1,242 |
| Net operating income to assets | 0.6848% | 4,050 |
| Return on assets (ROA) | 0.6848% | 4,118 |
| Pretax return on assets | 1.1682% | 3,026 |
| Return on Equity (ROE) | 7.4167% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.4167% | 1,477 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0965% | 3,033 |
| Assets per employee ($millions) | 7.1874% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 1,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.4751% | 2,007 |
| Net loans and leases to deposits | 80.6527% | 2,905 |
| Net loans and leases to core deposits | 90.0843% | 2,601 |
| Total domestic deposits to total assets | 91.1006% | 162 |
| Equity capital to assets | 8.5709% | 5,238 |
| Core capital (leverage) ratio | 8.8507% | 4,924 |
| Tier 1 risk-based capital ratio | 12.8654% | 4,107 |
| Total risk-based capital ratio | 14.1194% | 4,000 |
| Memoranda: | ||
| Average total assets | $252,924,000 | 2,488 |
| Average earning assets | $244,147,750 | 2,407 |
| Average equity | $23,352,250 | 2,847 |
| Average total loans | $199,347,500 | 2,166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,831 |
| Cost of funding earning assets | 0.2451% | 4,590 |
| Net interest margin | 3.8542% | 2,083 |
| Noninterest income to average assets | 0.3667% | 3,933 |
| Noninterest expense to average assets | 2.7851% | 2,813 |
| Loan and lease loss provision to assets | 0.1723% | 1,123 |
| Net operating income to assets | 0.6587% | 4,036 |
| Return on assets (ROA) | 0.6587% | 4,095 |
| Pretax return on assets | 1.1247% | 3,069 |
| Return on Equity (ROE) | 6.9440% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.9440% | 1,619 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2275% | 2,966 |
| Assets per employee ($millions) | 7.3802% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 2,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.0559% | 1,087 |
| Net loans and leases to deposits | 87.2724% | 2,071 |
| Net loans and leases to core deposits | 101.9541% | 1,513 |
| Total domestic deposits to total assets | 90.5852% | 328 |
| Equity capital to assets | 9.1089% | 4,795 |
| Core capital (leverage) ratio | 9.6773% | 3,925 |
| Tier 1 risk-based capital ratio | 13.0931% | 3,946 |
| Total risk-based capital ratio | 14.3470% | 3,855 |
| Memoranda: | ||
| Average total assets | $243,795,330 | 2,563 |
| Average earning assets | $235,013,330 | 2,489 |
| Average equity | $23,128,000 | 2,872 |
| Average total loans | $196,182,330 | 2,202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 2,525 |
| Cost of funding earning assets | 0.2426% | 4,600 |
| Net interest margin | 3.8955% | 1,793 |
| Noninterest income to average assets | 0.3010% | 4,410 |
| Noninterest expense to average assets | 2.7919% | 2,825 |
| Loan and lease loss provision to assets | 0.0930% | 1,984 |
| Net operating income to assets | 0.6815% | 3,784 |
| Return on assets (ROA) | 0.6815% | 3,821 |
| Pretax return on assets | 1.1634% | 2,726 |
| Return on Equity (ROE) | 7.0309% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.0309% | 1,839 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9641% | 3,055 |
| Assets per employee ($millions) | 7.0456% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.8795% | 846 |
| Net loans and leases to deposits | 88.7154% | 1,708 |
| Net loans and leases to core deposits | 102.8138% | 1,304 |
| Total domestic deposits to total assets | 90.0402% | 641 |
| Equity capital to assets | 9.6551% | 4,118 |
| Core capital (leverage) ratio | 10.2220% | 3,220 |
| Tier 1 risk-based capital ratio | 13.7982% | 3,604 |
| Total risk-based capital ratio | 15.0526% | 3,511 |
| Memoranda: | ||
| Average total assets | $236,539,500 | 2,649 |
| Average earning assets | $227,544,000 | 2,573 |
| Average equity | $22,927,500 | 2,902 |
| Average total loans | $190,777,500 | 2,268 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,156 |
| Cost of funding earning assets | 0.2312% | 4,727 |
| Net interest margin | 4.0644% | 1,462 |
| Noninterest income to average assets | 0.3620% | 4,157 |
| Noninterest expense to average assets | 2.9755% | 2,420 |
| Loan and lease loss provision to assets | 0.1141% | 2,161 |
| Net operating income to assets | 0.6902% | 3,827 |
| Return on assets (ROA) | 0.6902% | 3,936 |
| Pretax return on assets | 1.1713% | 2,799 |
| Return on Equity (ROE) | 7.2451% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.2451% | 1,136 |
| Net charge-offs to loans | -0.0093% | 4,924 |
| Credit loss provision to net charge-offs | -1,488.2353% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8339% | 2,928 |
| Assets per employee ($millions) | 6.8684% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 2,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.2187% | 1,000 |
| Net loans and leases to deposits | 88.1648% | 1,904 |
| Net loans and leases to core deposits | 99.3774% | 1,677 |
| Total domestic deposits to total assets | 89.8530% | 702 |
| Equity capital to assets | 9.7316% | 4,022 |
| Core capital (leverage) ratio | 9.6612% | 3,900 |
| Tier 1 risk-based capital ratio | 13.8265% | 3,562 |
| Total risk-based capital ratio | 15.0806% | 3,467 |
| Memoranda: | ||
| Average total assets | $221,812,000 | 2,744 |
| Average earning assets | $212,772,000 | 2,671 |
| Average equity | $21,131,400 | 3,054 |
| Average total loans | $182,747,400 | 2,285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,206 |
| Cost of funding earning assets | 0.2322% | 4,774 |
| Net interest margin | 4.0538% | 1,516 |
| Noninterest income to average assets | 0.4368% | 3,653 |
| Noninterest expense to average assets | 3.0085% | 2,299 |
| Loan and lease loss provision to assets | 0.1060% | 2,162 |
| Net operating income to assets | 0.7048% | 3,817 |
| Return on assets (ROA) | 0.7048% | 3,952 |
| Pretax return on assets | 1.2037% | 2,821 |
| Return on Equity (ROE) | 7.4405% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.4405% | 1,424 |
| Net charge-offs to loans | -0.0125% | 4,853 |
| Credit loss provision to net charge-offs | -1,023.5294% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6713% | 2,940 |
| Assets per employee ($millions) | 6.6475% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.3259% | 714 |
| Net loans and leases to deposits | 90.5900% | 1,682 |
| Net loans and leases to core deposits | 102.4068% | 1,450 |
| Total domestic deposits to total assets | 89.7736% | 570 |
| Equity capital to assets | 9.8897% | 4,255 |
| Core capital (leverage) ratio | 10.1264% | 3,405 |
| Tier 1 risk-based capital ratio | 13.1436% | 4,072 |
| Total risk-based capital ratio | 14.3964% | 3,978 |
| Memoranda: | ||
| Average total assets | $218,883,250 | 2,778 |
| Average earning assets | $209,575,250 | 2,707 |
| Average equity | $20,732,750 | 3,117 |
| Average total loans | $181,541,250 | 2,297 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3044% | 2,144 |
| Cost of funding earning assets | 0.2302% | 4,849 |
| Net interest margin | 4.0742% | 1,436 |
| Noninterest income to average assets | 0.3353% | 4,385 |
| Noninterest expense to average assets | 3.0632% | 2,161 |
| Loan and lease loss provision to assets | 0.1099% | 2,035 |
| Net operating income to assets | 0.6161% | 4,205 |
| Return on assets (ROA) | 0.6161% | 4,329 |
| Pretax return on assets | 1.0531% | 3,387 |
| Return on Equity (ROE) | 6.6062% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.6062% | 1,812 |
| Net charge-offs to loans | -0.0645% | 5,462 |
| Credit loss provision to net charge-offs | -205.1724% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4809% | 2,588 |
| Assets per employee ($millions) | 6.2075% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 2,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 85.7203% | 272 |
| Net loans and leases to deposits | 95.9858% | 1,081 |
| Net loans and leases to core deposits | 109.1209% | 971 |
| Total domestic deposits to total assets | 89.3052% | 761 |
| Equity capital to assets | 10.3584% | 3,781 |
| Core capital (leverage) ratio | 10.2303% | 3,292 |
| Tier 1 risk-based capital ratio | 12.7852% | 4,322 |
| Total risk-based capital ratio | 14.0383% | 4,234 |
| Memoranda: | ||
| Average total assets | $216,506,330 | 2,808 |
| Average earning assets | $206,764,330 | 2,744 |
| Average equity | $20,193,000 | 3,176 |
| Average total loans | $179,953,670 | 2,316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 2,512 |
| Cost of funding earning assets | 0.2253% | 4,946 |
| Net interest margin | 3.9637% | 1,731 |
| Noninterest income to average assets | 0.3321% | 4,358 |
| Noninterest expense to average assets | 2.9941% | 2,410 |
| Loan and lease loss provision to assets | 0.0602% | 2,745 |
| Net operating income to assets | 0.6240% | 4,082 |
| Return on assets (ROA) | 0.6240% | 4,197 |
| Pretax return on assets | 1.0655% | 3,220 |
| Return on Equity (ROE) | 7.0667% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.0667% | 1,855 |
| Net charge-offs to loans | -0.0830% | 5,564 |
| Credit loss provision to net charge-offs | -89.1892% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6749% | 2,700 |
| Assets per employee ($millions) | 6.4430% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.1485% | 1,083 |
| Net loans and leases to deposits | 86.6424% | 1,995 |
| Net loans and leases to core deposits | 98.5461% | 1,598 |
| Total domestic deposits to total assets | 90.1966% | 528 |
| Equity capital to assets | 9.5506% | 4,619 |
| Core capital (leverage) ratio | 10.0226% | 3,514 |
| Tier 1 risk-based capital ratio | 13.0484% | 4,237 |
| Total risk-based capital ratio | 14.3013% | 4,147 |
| Memoranda: | ||
| Average total assets | $219,232,000 | 2,789 |
| Average earning assets | $209,503,500 | 2,727 |
| Average equity | $19,358,500 | 3,267 |
| Average total loans | $178,231,000 | 2,331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,742 |
| Cost of funding earning assets | 0.2453% | 4,834 |
| Net interest margin | 4.2054% | 1,162 |
| Noninterest income to average assets | 0.4168% | 3,912 |
| Noninterest expense to average assets | 3.1745% | 2,025 |
| Loan and lease loss provision to assets | 0.1286% | 1,872 |
| Net operating income to assets | 0.6641% | 3,979 |
| Return on assets (ROA) | 0.6641% | 4,068 |
| Pretax return on assets | 1.1366% | 2,901 |
| Return on Equity (ROE) | 7.6244% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.6244% | 1,057 |
| Net charge-offs to loans | 0.0153% | 3,983 |
| Credit loss provision to net charge-offs | 980.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 96.4000% | 594 |
| Efficiency ratio | 71.5029% | 2,982 |
| Assets per employee ($millions) | 6.0846% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.4352% | 553 |
| Net loans and leases to deposits | 90.0485% | 1,607 |
| Net loans and leases to core deposits | 104.1511% | 1,212 |
| Total domestic deposits to total assets | 91.5454% | 170 |
| Equity capital to assets | 8.0672% | 5,827 |
| Core capital (leverage) ratio | 8.2038% | 5,697 |
| Tier 1 risk-based capital ratio | 10.4734% | 5,785 |
| Total risk-based capital ratio | 11.7254% | 5,706 |
| Memoranda: | ||
| Average total assets | $190,485,600 | 3,044 |
| Average earning assets | $182,217,600 | 2,975 |
| Average equity | $16,591,400 | 3,588 |
| Average total loans | $163,762,600 | 2,419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 1,724 |
| Cost of funding earning assets | 0.2470% | 4,912 |
| Net interest margin | 4.2146% | 1,136 |
| Noninterest income to average assets | 0.5041% | 3,332 |
| Noninterest expense to average assets | 3.1784% | 2,027 |
| Loan and lease loss provision to assets | 0.0252% | 3,760 |
| Net operating income to assets | 0.7811% | 3,521 |
| Return on assets (ROA) | 0.7811% | 3,607 |
| Pretax return on assets | 1.3364% | 2,260 |
| Return on Equity (ROE) | 8.7809% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.7809% | 981 |
| Net charge-offs to loans | -0.0316% | 5,380 |
| Credit loss provision to net charge-offs | -92.1053% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0079% | 3,213 |
| Assets per employee ($millions) | 5.3721% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 3,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 85.6409% | 254 |
| Net loans and leases to deposits | 95.4540% | 1,057 |
| Net loans and leases to core deposits | 109.4378% | 908 |
| Total domestic deposits to total assets | 89.7196% | 683 |
| Equity capital to assets | 8.5518% | 5,676 |
| Core capital (leverage) ratio | 8.3830% | 5,641 |
| Tier 1 risk-based capital ratio | 10.4909% | 5,883 |
| Total risk-based capital ratio | 11.7423% | 5,820 |
| Memoranda: | ||
| Average total assets | $184,867,000 | 3,140 |
| Average earning assets | $177,032,500 | 3,054 |
| Average equity | $16,444,250 | 3,633 |
| Average total loans | $160,238,500 | 2,473 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,567 |
| Cost of funding earning assets | 0.2382% | 5,073 |
| Net interest margin | 4.2531% | 1,011 |
| Noninterest income to average assets | 0.5293% | 3,177 |
| Noninterest expense to average assets | 3.2125% | 1,947 |
| Loan and lease loss provision to assets | 0.0388% | 3,339 |
| Net operating income to assets | 0.7812% | 3,481 |
| Return on assets (ROA) | 0.7812% | 3,586 |
| Pretax return on assets | 1.3394% | 2,209 |
| Return on Equity (ROE) | 8.6595% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.6595% | 1,026 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9782% | 3,337 |
| Assets per employee ($millions) | 5.4266% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 3,351 |
| Loan loss allowance to noncurrent loans | 848.0000% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 5,330 |
| Noncurrent loans to loans | 0.1509% | 5,145 |
| Net loans and leases to total assets | 86.0923% | 238 |
| Net loans and leases to deposits | 98.9692% | 723 |
| Net loans and leases to core deposits | 113.7170% | 678 |
| Total domestic deposits to total assets | 86.9890% | 2,176 |
| Equity capital to assets | 8.7500% | 5,488 |
| Core capital (leverage) ratio | 9.0518% | 4,889 |
| Tier 1 risk-based capital ratio | 10.5913% | 5,889 |
| Total risk-based capital ratio | 11.8420% | 5,834 |
| Memoranda: | ||
| Average total assets | $180,234,000 | 3,212 |
| Average earning assets | $172,108,000 | 3,136 |
| Average equity | $16,259,670 | 3,685 |
| Average total loans | $156,190,330 | 2,537 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,524 |
| Cost of funding earning assets | 0.2368% | 5,154 |
| Net interest margin | 4.2414% | 992 |
| Noninterest income to average assets | 0.5109% | 3,219 |
| Noninterest expense to average assets | 3.2659% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7526% | 3,524 |
| Return on assets (ROA) | 0.7526% | 3,659 |
| Pretax return on assets | 1.2886% | 2,338 |
| Return on Equity (ROE) | 8.2090% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.2090% | 1,488 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7076% | 3,216 |
| Assets per employee ($millions) | 5.3389% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 3,107 |
| Loan loss allowance to noncurrent loans | 834.0000% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 5,389 |
| Noncurrent loans to loans | 0.1629% | 5,189 |
| Net loans and leases to total assets | 85.9080% | 198 |
| Net loans and leases to deposits | 98.1875% | 667 |
| Net loans and leases to core deposits | 108.9283% | 791 |
| Total domestic deposits to total assets | 87.4938% | 2,110 |
| Equity capital to assets | 9.2204% | 5,059 |
| Core capital (leverage) ratio | 9.3958% | 4,440 |
| Tier 1 risk-based capital ratio | 10.7750% | 5,908 |
| Total risk-based capital ratio | 12.0270% | 5,832 |
| Memoranda: | ||
| Average total assets | $175,385,500 | 3,296 |
| Average earning assets | $167,208,500 | 3,218 |
| Average equity | $16,080,000 | 3,736 |
| Average total loans | $151,467,500 | 2,606 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,860 |
| Cost of funding earning assets | 0.2530% | 5,291 |
| Net interest margin | 4.2477% | 1,168 |
| Noninterest income to average assets | 0.4012% | 4,170 |
| Noninterest expense to average assets | 3.2773% | 1,984 |
| Loan and lease loss provision to assets | 0.0019% | 4,571 |
| Net operating income to assets | 0.6840% | 3,974 |
| Return on assets (ROA) | 0.6840% | 4,091 |
| Pretax return on assets | 1.1716% | 2,773 |
| Return on Equity (ROE) | 6.9757% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.9757% | 1,421 |
| Net charge-offs to loans | -0.0236% | 5,736 |
| Credit loss provision to net charge-offs | -9.6774% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6343% | 2,896 |
| Assets per employee ($millions) | 6.0202% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 2,975 |
| Loan loss allowance to noncurrent loans | 834.0000% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,459 |
| Noncurrent loans to loans | 0.1672% | 5,231 |
| Net loans and leases to total assets | 84.4329% | 311 |
| Net loans and leases to deposits | 93.3789% | 1,140 |
| Net loans and leases to core deposits | 104.0180% | 1,128 |
| Total domestic deposits to total assets | 90.4196% | 571 |
| Equity capital to assets | 9.1159% | 5,165 |
| Core capital (leverage) ratio | 9.0701% | 4,871 |
| Tier 1 risk-based capital ratio | 11.2551% | 5,789 |
| Total risk-based capital ratio | 12.5083% | 5,714 |
| Memoranda: | ||
| Average total assets | $156,287,800 | 3,549 |
| Average earning assets | $148,997,000 | 3,459 |
| Average equity | $15,324,600 | 3,778 |
| Average total loans | $131,602,200 | 2,837 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 1,966 |
| Cost of funding earning assets | 0.2485% | 5,426 |
| Net interest margin | 4.2261% | 1,206 |
| Noninterest income to average assets | 0.4139% | 4,147 |
| Noninterest expense to average assets | 3.3562% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6371% | 4,277 |
| Return on assets (ROA) | 0.6371% | 4,378 |
| Pretax return on assets | 1.0924% | 3,216 |
| Return on Equity (ROE) | 6.3691% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.3691% | 2,179 |
| Net charge-offs to loans | 0.0126% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 103.5806% | 573 |
| Efficiency ratio | 75.4445% | 2,583 |
| Assets per employee ($millions) | 5.7569% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 2,838 |
| Loan loss allowance to noncurrent loans | 815.6000% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 5,563 |
| Noncurrent loans to loans | 0.1809% | 5,368 |
| Net loans and leases to total assets | 84.4658% | 307 |
| Net loans and leases to deposits | 93.9135% | 1,052 |
| Net loans and leases to core deposits | 105.2838% | 1,000 |
| Total domestic deposits to total assets | 89.9400% | 760 |
| Equity capital to assets | 9.6598% | 4,598 |
| Core capital (leverage) ratio | 10.0132% | 3,663 |
| Tier 1 risk-based capital ratio | 11.9888% | 5,492 |
| Total risk-based capital ratio | 13.2430% | 5,409 |
| Memoranda: | ||
| Average total assets | $151,713,250 | 3,628 |
| Average earning assets | $144,842,000 | 3,560 |
| Average equity | $15,177,000 | 3,822 |
| Average total loans | $127,129,500 | 2,927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 2,151 |
| Cost of funding earning assets | 0.2470% | 5,517 |
| Net interest margin | 4.1614% | 1,344 |
| Noninterest income to average assets | 0.4685% | 3,732 |
| Noninterest expense to average assets | 3.4493% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5762% | 4,479 |
| Return on assets (ROA) | 0.5762% | 4,583 |
| Pretax return on assets | 0.9882% | 3,523 |
| Return on Equity (ROE) | 5.6893% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.6893% | 2,519 |
| Net charge-offs to loans | -0.0810% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7306% | 2,334 |
| Assets per employee ($millions) | 5.4446% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 2,494 |
| Loan loss allowance to noncurrent loans | 673.3974% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 5,510 |
| Noncurrent loans to loans | 0.2363% | 5,286 |
| Net loans and leases to total assets | 85.2455% | 227 |
| Net loans and leases to deposits | 99.2508% | 593 |
| Net loans and leases to core deposits | 112.0524% | 598 |
| Total domestic deposits to total assets | 85.8890% | 3,101 |
| Equity capital to assets | 10.0192% | 4,083 |
| Core capital (leverage) ratio | 10.2355% | 3,286 |
| Tier 1 risk-based capital ratio | 11.8724% | 5,607 |
| Total risk-based capital ratio | 13.1278% | 5,531 |
| Memoranda: | ||
| Average total assets | $148,553,330 | 3,702 |
| Average earning assets | $141,683,670 | 3,623 |
| Average equity | $15,045,670 | 3,848 |
| Average total loans | $123,442,000 | 3,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,659 |
| Cost of funding earning assets | 0.2514% | 5,568 |
| Net interest margin | 4.0104% | 1,719 |
| Noninterest income to average assets | 0.4120% | 4,089 |
| Noninterest expense to average assets | 3.4405% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4666% | 4,864 |
| Return on assets (ROA) | 0.4666% | 4,930 |
| Pretax return on assets | 0.8021% | 4,107 |
| Return on Equity (ROE) | 4.5809% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.5809% | 3,371 |
| Net charge-offs to loans | -0.1007% | 6,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0932% | 2,037 |
| Assets per employee ($millions) | 4.9194% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 81.7796% | 372 |
| Net loans and leases to deposits | 91.4922% | 993 |
| Net loans and leases to core deposits | 104.3308% | 840 |
| Total domestic deposits to total assets | 89.3842% | 1,428 |
| Equity capital to assets | 10.1754% | 3,630 |
| Core capital (leverage) ratio | 10.2455% | 3,223 |
| Tier 1 risk-based capital ratio | 12.3793% | 5,383 |
| Total risk-based capital ratio | 13.6357% | 5,320 |
| Memoranda: | ||
| Average total assets | $146,606,000 | 3,760 |
| Average earning assets | $140,035,500 | 3,667 |
| Average equity | $14,931,500 | 3,873 |
| Average total loans | $119,135,000 | 3,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 1,208 |
| Cost of funding earning assets | 0.2863% | 5,701 |
| Net interest margin | 4.5603% | 652 |
| Noninterest income to average assets | 0.4378% | 4,174 |
| Noninterest expense to average assets | 3.6056% | 1,436 |
| Loan and lease loss provision to assets | -0.0984% | 6,479 |
| Net operating income to assets | 0.7618% | 3,489 |
| Return on assets (ROA) | 0.7618% | 3,585 |
| Pretax return on assets | 1.2489% | 2,368 |
| Return on Equity (ROE) | 7.2324% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.2324% | 1,345 |
| Net charge-offs to loans | -0.1213% | 6,525 |
| Credit loss provision to net charge-offs | 99.2593% | 2,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8109% | 2,807 |
| Assets per employee ($millions) | 5.2011% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.9002% | 837 |
| Net loans and leases to deposits | 87.1314% | 1,557 |
| Net loans and leases to core deposits | 99.9727% | 1,162 |
| Total domestic deposits to total assets | 89.4053% | 1,381 |
| Equity capital to assets | 10.1943% | 3,513 |
| Core capital (leverage) ratio | 10.0953% | 3,439 |
| Tier 1 risk-based capital ratio | 12.9502% | 5,011 |
| Total risk-based capital ratio | 14.2072% | 4,959 |
| Memoranda: | ||
| Average total assets | $136,120,600 | 3,952 |
| Average earning assets | $128,895,200 | 3,871 |
| Average equity | $14,338,200 | 3,998 |
| Average total loans | $111,284,800 | 3,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 924 |
| Cost of funding earning assets | 0.2845% | 5,853 |
| Net interest margin | 4.7264% | 496 |
| Noninterest income to average assets | 0.5114% | 3,725 |
| Noninterest expense to average assets | 3.7035% | 1,242 |
| Loan and lease loss provision to assets | 0.0020% | 4,915 |
| Net operating income to assets | 0.7836% | 3,433 |
| Return on assets (ROA) | 0.7836% | 3,561 |
| Pretax return on assets | 1.2611% | 2,474 |
| Return on Equity (ROE) | 7.3742% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.3742% | 1,697 |
| Net charge-offs to loans | -0.0641% | 6,381 |
| Credit loss provision to net charge-offs | -3.7736% | 5,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5684% | 2,972 |
| Assets per employee ($millions) | 5.1980% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 1,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 76.5729% | 925 |
| Net loans and leases to deposits | 85.8891% | 1,629 |
| Net loans and leases to core deposits | 97.6103% | 1,268 |
| Total domestic deposits to total assets | 89.1532% | 1,479 |
| Equity capital to assets | 10.3993% | 3,390 |
| Core capital (leverage) ratio | 10.4555% | 3,055 |
| Tier 1 risk-based capital ratio | 13.2461% | 4,950 |
| Total risk-based capital ratio | 14.5050% | 4,882 |
| Memoranda: | ||
| Average total assets | $133,743,250 | 4,039 |
| Average earning assets | $126,068,250 | 3,961 |
| Average equity | $14,211,250 | 4,077 |
| Average total loans | $110,231,750 | 3,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 569 |
| Cost of funding earning assets | 0.2778% | 5,999 |
| Net interest margin | 4.9811% | 321 |
| Noninterest income to average assets | 0.4212% | 4,369 |
| Noninterest expense to average assets | 3.7889% | 1,112 |
| Loan and lease loss provision to assets | 0.0015% | 4,766 |
| Net operating income to assets | 0.8043% | 3,276 |
| Return on assets (ROA) | 0.8043% | 3,428 |
| Pretax return on assets | 1.3197% | 2,235 |
| Return on Equity (ROE) | 7.5124% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.5124% | 1,666 |
| Net charge-offs to loans | -0.0797% | 6,429 |
| Credit loss provision to net charge-offs | -2.2727% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1446% | 3,098 |
| Assets per employee ($millions) | 5.0493% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 1,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 77.4330% | 811 |
| Net loans and leases to deposits | 86.8506% | 1,474 |
| Net loans and leases to core deposits | 98.8640% | 1,153 |
| Total domestic deposits to total assets | 89.1566% | 1,534 |
| Equity capital to assets | 10.5170% | 3,279 |
| Core capital (leverage) ratio | 10.6760% | 2,693 |
| Tier 1 risk-based capital ratio | 13.2692% | 4,940 |
| Total risk-based capital ratio | 14.5278% | 4,878 |
| Memoranda: | ||
| Average total assets | $131,542,330 | 4,108 |
| Average earning assets | $123,827,330 | 4,036 |
| Average equity | $14,083,330 | 4,132 |
| Average total loans | $110,451,670 | 3,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 749 |
| Cost of funding earning assets | 0.2598% | 6,223 |
| Net interest margin | 4.8336% | 379 |
| Noninterest income to average assets | 0.6009% | 3,132 |
| Noninterest expense to average assets | 3.6578% | 1,322 |
| Loan and lease loss provision to assets | 0.0031% | 4,382 |
| Net operating income to assets | 0.9106% | 2,600 |
| Return on assets (ROA) | 0.9106% | 2,749 |
| Pretax return on assets | 1.4929% | 1,575 |
| Return on Equity (ROE) | 8.4265% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.4265% | 1,593 |
| Net charge-offs to loans | -0.1574% | 6,618 |
| Credit loss provision to net charge-offs | -2.2727% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9736% | 3,793 |
| Assets per employee ($millions) | 4.4750% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 84.2906% | 182 |
| Net loans and leases to deposits | 96.8276% | 500 |
| Net loans and leases to core deposits | 109.4164% | 512 |
| Total domestic deposits to total assets | 87.0523% | 2,931 |
| Equity capital to assets | 10.8672% | 3,115 |
| Core capital (leverage) ratio | 10.8261% | 2,428 |
| Tier 1 risk-based capital ratio | 12.6692% | 5,453 |
| Total risk-based capital ratio | 13.9278% | 5,398 |
| Memoranda: | ||
| Average total assets | $129,147,500 | 4,200 |
| Average earning assets | $121,649,500 | 4,124 |
| Average equity | $13,956,000 | 4,208 |
| Average total loans | $111,847,000 | 3,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 1,555 |
| Cost of funding earning assets | 0.2449% | 6,690 |
| Net interest margin | 4.7567% | 584 |
| Noninterest income to average assets | 0.3936% | 4,659 |
| Noninterest expense to average assets | 3.3208% | 2,276 |
| Loan and lease loss provision to assets | 0.2940% | 2,326 |
| Net operating income to assets | 0.8148% | 3,222 |
| Return on assets (ROA) | 0.8148% | 3,465 |
| Pretax return on assets | 1.2613% | 2,561 |
| Return on Equity (ROE) | 7.7644% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.7644% | 1,203 |
| Net charge-offs to loans | 0.0118% | 5,755 |
| Credit loss provision to net charge-offs | 3,100.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 253 |
| Efficiency ratio | 68.1037% | 4,123 |
| Assets per employee ($millions) | 5.1408% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 85.7150% | 139 |
| Net loans and leases to deposits | 100.0790% | 410 |
| Net loans and leases to core deposits | 110.5059% | 525 |
| Total domestic deposits to total assets | 85.6473% | 3,530 |
| Equity capital to assets | 10.7447% | 3,224 |
| Core capital (leverage) ratio | 10.3689% | 2,928 |
| Tier 1 risk-based capital ratio | 12.3102% | 5,594 |
| Total risk-based capital ratio | 13.5672% | 5,543 |
| Memoranda: | ||
| Average total assets | $126,535,800 | 4,217 |
| Average earning assets | $119,241,800 | 4,121 |
| Average equity | $13,278,600 | 4,302 |
| Average total loans | $101,549,000 | 3,480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,873 |
| Cost of funding earning assets | 0.2435% | 6,838 |
| Net interest margin | 4.6939% | 678 |
| Noninterest income to average assets | 0.4157% | 4,511 |
| Noninterest expense to average assets | 3.2687% | 2,362 |
| Loan and lease loss provision to assets | 0.2613% | 2,485 |
| Net operating income to assets | 0.8590% | 3,175 |
| Return on assets (ROA) | 0.8590% | 3,423 |
| Pretax return on assets | 1.3107% | 2,553 |
| Return on Equity (ROE) | 8.2355% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.2355% | 1,524 |
| Net charge-offs to loans | 0.0162% | 5,462 |
| Credit loss provision to net charge-offs | 2,058.3333% | 131 |
| Earnings coverage of net charge-offs (x) | 123.8300% | 352 |
| Efficiency ratio | 67.5262% | 4,171 |
| Assets per employee ($millions) | 5.5684% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 2,646 |
| Loan loss allowance to noncurrent loans | 673.0769% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 5,937 |
| Noncurrent loans to loans | 0.2748% | 5,938 |
| Net loans and leases to total assets | 76.4503% | 900 |
| Net loans and leases to deposits | 85.6031% | 1,649 |
| Net loans and leases to core deposits | 93.4501% | 1,629 |
| Total domestic deposits to total assets | 89.3079% | 1,235 |
| Equity capital to assets | 10.1690% | 4,246 |
| Core capital (leverage) ratio | 10.3488% | 3,109 |
| Tier 1 risk-based capital ratio | 12.9841% | 5,265 |
| Total risk-based capital ratio | 14.2414% | 5,224 |
| Memoranda: | ||
| Average total assets | $126,040,000 | 4,269 |
| Average earning assets | $118,818,000 | 4,181 |
| Average equity | $13,146,000 | 4,370 |
| Average total loans | $98,883,750 | 3,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 1,987 |
| Cost of funding earning assets | 0.2419% | 6,935 |
| Net interest margin | 4.6890% | 687 |
| Noninterest income to average assets | 0.4291% | 4,438 |
| Noninterest expense to average assets | 3.3245% | 2,237 |
| Loan and lease loss provision to assets | 0.2785% | 2,357 |
| Net operating income to assets | 0.7271% | 3,718 |
| Return on assets (ROA) | 0.7271% | 3,997 |
| Pretax return on assets | 1.2518% | 2,723 |
| Return on Equity (ROE) | 6.9088% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.9088% | 2,155 |
| Net charge-offs to loans | 0.0247% | 5,042 |
| Credit loss provision to net charge-offs | 1,433.3333% | 230 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 516 |
| Efficiency ratio | 68.4790% | 4,047 |
| Assets per employee ($millions) | 5.3844% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 2,747 |
| Loan loss allowance to noncurrent loans | 646.8531% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 5,944 |
| Noncurrent loans to loans | 0.2834% | 6,005 |
| Net loans and leases to total assets | 79.9856% | 514 |
| Net loans and leases to deposits | 91.5049% | 1,001 |
| Net loans and leases to core deposits | 100.4055% | 1,070 |
| Total domestic deposits to total assets | 87.4113% | 2,529 |
| Equity capital to assets | 10.6806% | 3,479 |
| Core capital (leverage) ratio | 10.7838% | 2,500 |
| Tier 1 risk-based capital ratio | 12.6568% | 5,449 |
| Total risk-based capital ratio | 13.9137% | 5,421 |
| Memoranda: | ||
| Average total assets | $123,506,330 | 4,341 |
| Average earning assets | $116,571,330 | 4,257 |
| Average equity | $12,998,000 | 4,393 |
| Average total loans | $97,147,000 | 3,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 2,386 |
| Cost of funding earning assets | 0.2406% | 7,031 |
| Net interest margin | 4.6224% | 790 |
| Noninterest income to average assets | 0.1038% | 6,723 |
| Noninterest expense to average assets | 3.2366% | 2,484 |
| Loan and lease loss provision to assets | 0.0486% | 4,798 |
| Net operating income to assets | 0.6843% | 3,960 |
| Return on assets (ROA) | 0.6843% | 4,174 |
| Pretax return on assets | 1.1805% | 2,982 |
| Return on Equity (ROE) | 6.5510% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.5510% | 2,653 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4764% | 3,347 |
| Assets per employee ($millions) | 5.5973% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 3,075 |
| Loan loss allowance to noncurrent loans | 592.0139% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 6,052 |
| Noncurrent loans to loans | 0.2996% | 6,073 |
| Net loans and leases to total assets | 76.6721% | 730 |
| Net loans and leases to deposits | 85.9888% | 1,422 |
| Net loans and leases to core deposits | 93.2466% | 1,527 |
| Total domestic deposits to total assets | 89.1652% | 1,589 |
| Equity capital to assets | 10.5482% | 3,430 |
| Core capital (leverage) ratio | 10.3739% | 2,905 |
| Tier 1 risk-based capital ratio | 13.3920% | 4,901 |
| Total risk-based capital ratio | 14.6494% | 4,889 |
| Memoranda: | ||
| Average total assets | $123,339,000 | 4,372 |
| Average earning assets | $116,390,500 | 4,286 |
| Average equity | $12,883,500 | 4,425 |
| Average total loans | $95,268,000 | 3,703 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 3,707 |
| Cost of funding earning assets | 0.2979% | 7,109 |
| Net interest margin | 4.5234% | 1,087 |
| Noninterest income to average assets | 0.1835% | 6,183 |
| Noninterest expense to average assets | 3.4065% | 2,221 |
| Loan and lease loss provision to assets | 0.2135% | 4,053 |
| Net operating income to assets | 0.4428% | 4,679 |
| Return on assets (ROA) | 0.4428% | 4,887 |
| Pretax return on assets | 0.8221% | 3,904 |
| Return on Equity (ROE) | 4.1152% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.1152% | 3,258 |
| Net charge-offs to loans | 0.2718% | 4,074 |
| Credit loss provision to net charge-offs | 106.6079% | 3,182 |
| Earnings coverage of net charge-offs (x) | 5.1718% | 2,880 |
| Efficiency ratio | 76.6878% | 2,795 |
| Assets per employee ($millions) | 6.1769% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,902 |
| Loan loss allowance to noncurrent loans | 576.7918% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 6,060 |
| Noncurrent loans to loans | 0.3103% | 6,109 |
| Net loans and leases to total assets | 75.0595% | 1,082 |
| Net loans and leases to deposits | 83.9660% | 1,926 |
| Net loans and leases to core deposits | 90.4371% | 2,063 |
| Total domestic deposits to total assets | 89.3927% | 1,317 |
| Equity capital to assets | 10.3434% | 3,722 |
| Core capital (leverage) ratio | 10.1130% | 3,206 |
| Tier 1 risk-based capital ratio | 13.1624% | 4,950 |
| Total risk-based capital ratio | 14.4184% | 4,920 |
| Memoranda: | ||
| Average total assets | $113,372,200 | 4,562 |
| Average earning assets | $106,732,800 | 4,485 |
| Average equity | $12,198,800 | 4,505 |
| Average total loans | $83,529,000 | 4,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8661% | 3,705 |
| Cost of funding earning assets | 0.3136% | 7,192 |
| Net interest margin | 4.5525% | 1,035 |
| Noninterest income to average assets | 0.1708% | 6,365 |
| Noninterest expense to average assets | 3.4683% | 2,022 |
| Loan and lease loss provision to assets | 0.1215% | 4,916 |
| Net operating income to assets | 0.5004% | 4,551 |
| Return on assets (ROA) | 0.5004% | 4,731 |
| Pretax return on assets | 0.8601% | 3,913 |
| Return on Equity (ROE) | 4.6014% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.6014% | 3,446 |
| Net charge-offs to loans | -0.0231% | 6,935 |
| Credit loss provision to net charge-offs | -721.4286% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9400% | 2,556 |
| Assets per employee ($millions) | 5.6167% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 2,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 6,706 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.6613% | 1,951 |
| Net loans and leases to deposits | 79.4693% | 2,725 |
| Net loans and leases to core deposits | 85.8837% | 2,787 |
| Total domestic deposits to total assets | 88.9165% | 1,475 |
| Equity capital to assets | 10.7596% | 3,412 |
| Core capital (leverage) ratio | 10.3860% | 3,001 |
| Tier 1 risk-based capital ratio | 13.5900% | 4,661 |
| Total risk-based capital ratio | 14.8497% | 4,623 |
| Memoranda: | ||
| Average total assets | $110,830,750 | 4,647 |
| Average earning assets | $104,175,000 | 4,568 |
| Average equity | $12,054,000 | 4,559 |
| Average total loans | $80,807,000 | 4,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 3,452 |
| Cost of funding earning assets | 0.3421% | 7,245 |
| Net interest margin | 4.5961% | 913 |
| Noninterest income to average assets | 0.1844% | 6,339 |
| Noninterest expense to average assets | 3.6825% | 1,564 |
| Loan and lease loss provision to assets | 0.0277% | 5,962 |
| Net operating income to assets | 0.4555% | 4,692 |
| Return on assets (ROA) | 0.4555% | 4,829 |
| Pretax return on assets | 0.7856% | 4,084 |
| Return on Equity (ROE) | 4.1717% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.1717% | 3,538 |
| Net charge-offs to loans | -0.0252% | 6,881 |
| Credit loss provision to net charge-offs | -150.0000% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9114% | 2,111 |
| Assets per employee ($millions) | 5.5702% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 2,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 6,747 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.6640% | 2,681 |
| Net loans and leases to deposits | 75.9721% | 3,480 |
| Net loans and leases to core deposits | 82.5623% | 3,421 |
| Total domestic deposits to total assets | 89.0643% | 1,497 |
| Equity capital to assets | 10.7057% | 3,281 |
| Core capital (leverage) ratio | 11.0550% | 2,197 |
| Tier 1 risk-based capital ratio | 14.3283% | 3,917 |
| Total risk-based capital ratio | 15.5872% | 3,885 |
| Memoranda: | ||
| Average total assets | $108,457,670 | 4,746 |
| Average earning assets | $101,738,330 | 4,658 |
| Average equity | $11,841,670 | 4,594 |
| Average total loans | $79,364,330 | 4,241 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 2,954 |
| Cost of funding earning assets | 0.3781% | 7,272 |
| Net interest margin | 4.6523% | 778 |
| Noninterest income to average assets | 0.2956% | 5,550 |
| Noninterest expense to average assets | 3.8043% | 1,333 |
| Loan and lease loss provision to assets | 0.0230% | 5,672 |
| Net operating income to assets | 0.4722% | 4,610 |
| Return on assets (ROA) | 0.4722% | 4,692 |
| Pretax return on assets | 0.8138% | 3,853 |
| Return on Equity (ROE) | 4.2779% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,601 |
| Net charge-offs to loans | -0.0458% | 6,851 |
| Credit loss provision to net charge-offs | -66.6667% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9686% | 2,234 |
| Assets per employee ($millions) | 5.1379% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 2,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 6,681 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.1426% | 1,693 |
| Net loans and leases to deposits | 81.7722% | 2,400 |
| Net loans and leases to core deposits | 92.0333% | 2,125 |
| Total domestic deposits to total assets | 88.2238% | 2,246 |
| Equity capital to assets | 11.4916% | 2,278 |
| Core capital (leverage) ratio | 11.4998% | 1,846 |
| Tier 1 risk-based capital ratio | 14.5130% | 3,730 |
| Total risk-based capital ratio | 15.7732% | 3,686 |
| Memoranda: | ||
| Average total assets | $104,199,000 | 4,884 |
| Average earning assets | $97,327,500 | 4,811 |
| Average equity | $11,501,000 | 4,669 |
| Average total loans | $78,621,500 | 4,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 2,757 |
| Cost of funding earning assets | 0.5088% | 7,289 |
| Net interest margin | 4.8743% | 570 |
| Noninterest income to average assets | 0.6451% | 3,187 |
| Noninterest expense to average assets | 3.7336% | 1,622 |
| Loan and lease loss provision to assets | 0.3262% | 4,203 |
| Net operating income to assets | 0.7515% | 2,993 |
| Return on assets (ROA) | 0.7515% | 3,117 |
| Pretax return on assets | 1.1737% | 2,320 |
| Return on Equity (ROE) | 7.9270% | 2,724 |
| Retained earnings to average equity (ytd only) | 7.9270% | 999 |
| Net charge-offs to loans | 0.0323% | 6,481 |
| Credit loss provision to net charge-offs | 1,264.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 58.1200% | 403 |
| Efficiency ratio | 71.3412% | 3,927 |
| Assets per employee ($millions) | 5.0251% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 1,953 |
| Loan loss allowance to noncurrent loans | 817.0732% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 6,714 |
| Noncurrent loans to loans | 0.2638% | 6,538 |
| Net loans and leases to total assets | 75.6592% | 1,340 |
| Net loans and leases to deposits | 84.8176% | 2,320 |
| Net loans and leases to core deposits | 98.2797% | 1,770 |
| Total domestic deposits to total assets | 89.2022% | 1,538 |
| Equity capital to assets | 10.5500% | 3,104 |
| Core capital (leverage) ratio | 9.5935% | 3,565 |
| Tier 1 risk-based capital ratio | 12.2207% | 5,283 |
| Total risk-based capital ratio | 13.4814% | 5,238 |
| Memoranda: | ||
| Average total assets | $96,876,800 | 5,081 |
| Average earning assets | $91,193,200 | 4,976 |
| Average equity | $9,183,800 | 5,364 |
| Average total loans | $77,348,800 | 4,410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 3,006 |
| Cost of funding earning assets | 0.5229% | 7,415 |
| Net interest margin | 4.8510% | 605 |
| Noninterest income to average assets | 0.6669% | 3,030 |
| Noninterest expense to average assets | 3.4579% | 2,142 |
| Loan and lease loss provision to assets | 0.4335% | 3,314 |
| Net operating income to assets | 0.7766% | 3,105 |
| Return on assets (ROA) | 0.7766% | 3,260 |
| Pretax return on assets | 1.3379% | 2,072 |
| Return on Equity (ROE) | 8.4416% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.4416% | 1,260 |
| Net charge-offs to loans | 0.0449% | 6,090 |
| Credit loss provision to net charge-offs | 1,200.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 49.0326% | 573 |
| Efficiency ratio | 66.1265% | 4,832 |
| Assets per employee ($millions) | 5.7849% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,983 |
| Loan loss allowance to noncurrent loans | 376.1261% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 6,360 |
| Noncurrent loans to loans | 0.5605% | 6,082 |
| Net loans and leases to total assets | 74.4682% | 1,697 |
| Net loans and leases to deposits | 82.4803% | 3,017 |
| Net loans and leases to core deposits | 98.9056% | 1,946 |
| Total domestic deposits to total assets | 90.2861% | 735 |
| Equity capital to assets | 8.9408% | 5,659 |
| Core capital (leverage) ratio | 9.0168% | 4,670 |
| Tier 1 risk-based capital ratio | 10.6335% | 6,684 |
| Total risk-based capital ratio | 11.8920% | 6,668 |
| Memoranda: | ||
| Average total assets | $95,970,500 | 5,157 |
| Average earning assets | $90,261,250 | 5,057 |
| Average equity | $8,829,000 | 5,547 |
| Average total loans | $77,257,500 | 4,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4293% | 2,845 |
| Cost of funding earning assets | 0.5300% | 7,504 |
| Net interest margin | 4.8994% | 538 |
| Noninterest income to average assets | 0.8815% | 1,754 |
| Noninterest expense to average assets | 3.5689% | 1,859 |
| Loan and lease loss provision to assets | 0.5062% | 2,774 |
| Net operating income to assets | 0.8257% | 2,840 |
| Return on assets (ROA) | 0.8257% | 2,994 |
| Pretax return on assets | 1.4263% | 1,764 |
| Return on Equity (ROE) | 8.8826% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.8826% | 1,140 |
| Net charge-offs to loans | -0.0131% | 7,231 |
| Credit loss provision to net charge-offs | -4,720.0000% | 7,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8733% | 5,175 |
| Assets per employee ($millions) | 5.3507% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 1,941 |
| Loan loss allowance to noncurrent loans | 360.3104% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 6,276 |
| Noncurrent loans to loans | 0.5866% | 6,076 |
| Net loans and leases to total assets | 78.1367% | 1,088 |
| Net loans and leases to deposits | 86.3997% | 2,443 |
| Net loans and leases to core deposits | 104.4686% | 1,595 |
| Total domestic deposits to total assets | 90.4363% | 709 |
| Equity capital to assets | 9.2117% | 5,130 |
| Core capital (leverage) ratio | 8.8456% | 4,845 |
| Tier 1 risk-based capital ratio | 10.3608% | 6,790 |
| Total risk-based capital ratio | 11.6211% | 6,772 |
| Memoranda: | ||
| Average total assets | $93,251,000 | 5,274 |
| Average earning assets | $87,929,670 | 5,179 |
| Average equity | $8,668,670 | 5,593 |
| Average total loans | $76,605,670 | 4,554 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4309% | 2,894 |
| Cost of funding earning assets | 0.5486% | 7,607 |
| Net interest margin | 4.8822% | 542 |
| Noninterest income to average assets | 0.7763% | 2,141 |
| Noninterest expense to average assets | 3.5804% | 1,785 |
| Loan and lease loss provision to assets | 0.6062% | 2,101 |
| Net operating income to assets | 0.6978% | 3,449 |
| Return on assets (ROA) | 0.6978% | 3,561 |
| Pretax return on assets | 1.2080% | 2,340 |
| Return on Equity (ROE) | 7.4705% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,937 |
| Net charge-offs to loans | -0.0105% | 6,903 |
| Credit loss provision to net charge-offs | -6,950.0000% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3703% | 5,041 |
| Assets per employee ($millions) | 5.3158% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 2,307 |
| Loan loss allowance to noncurrent loans | 630.1653% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,833 |
| Noncurrent loans to loans | 0.3096% | 6,705 |
| Net loans and leases to total assets | 80.0865% | 837 |
| Net loans and leases to deposits | 88.2539% | 2,184 |
| Net loans and leases to core deposits | 105.3782% | 1,633 |
| Total domestic deposits to total assets | 90.7456% | 634 |
| Equity capital to assets | 9.0370% | 5,224 |
| Core capital (leverage) ratio | 8.8111% | 4,840 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,917 |
| Total risk-based capital ratio | 11.4218% | 6,897 |
| Memoranda: | ||
| Average total assets | $91,720,500 | 5,396 |
| Average earning assets | $86,763,500 | 5,280 |
| Average equity | $8,567,000 | 5,673 |
| Average total loans | $76,468,500 | 4,629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 3,063 |
| Cost of funding earning assets | 0.6295% | 7,752 |
| Net interest margin | 5.0782% | 386 |
| Noninterest income to average assets | 0.3747% | 5,415 |
| Noninterest expense to average assets | 3.7431% | 1,815 |
| Loan and lease loss provision to assets | 1.2609% | 1,831 |
| Net operating income to assets | 0.0641% | 5,306 |
| Return on assets (ROA) | 0.0641% | 5,354 |
| Pretax return on assets | 0.1233% | 5,169 |
| Return on Equity (ROE) | 0.6298% | 5,348 |
| Retained earnings to average equity (ytd only) | 0.6298% | 4,556 |
| Net charge-offs to loans | 0.6608% | 3,203 |
| Credit loss provision to net charge-offs | 221.4286% | 1,704 |
| Earnings coverage of net charge-offs (x) | 2.4307% | 3,911 |
| Efficiency ratio | 73.0048% | 4,097 |
| Assets per employee ($millions) | 5.1622% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 2,408 |
| Loan loss allowance to noncurrent loans | 571.9008% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 6,763 |
| Noncurrent loans to loans | 0.3236% | 6,632 |
| Net loans and leases to total assets | 83.6378% | 476 |
| Net loans and leases to deposits | 92.7012% | 1,784 |
| Net loans and leases to core deposits | 113.4278% | 2,552 |
| Total domestic deposits to total assets | 90.2230% | 867 |
| Equity capital to assets | 9.6710% | 4,186 |
| Core capital (leverage) ratio | 9.1203% | 4,242 |
| Tier 1 risk-based capital ratio | 10.3720% | 6,521 |
| Total risk-based capital ratio | 11.6285% | 6,485 |
| Memoranda: | ||
| Average total assets | $81,135,200 | 5,694 |
| Average earning assets | $75,932,000 | 5,604 |
| Average equity | $8,256,400 | 5,849 |
| Average total loans | $69,918,800 | 4,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 3,439 |
| Cost of funding earning assets | 0.6506% | 7,858 |
| Net interest margin | 5.0285% | 419 |
| Noninterest income to average assets | 0.4261% | 5,080 |
| Noninterest expense to average assets | 3.8936% | 1,439 |
| Loan and lease loss provision to assets | 1.1005% | 1,775 |
| Net operating income to assets | -1.6339% | 7,168 |
| Return on assets (ROA) | -1.6339% | 7,166 |
| Pretax return on assets | 0.1258% | 5,467 |
| Return on Equity (ROE) | -15.8394% | 7,229 |
| Retained earnings to average equity (ytd only) | -15.8394% | 7,179 |
| Net charge-offs to loans | 0.2465% | 4,506 |
| Credit loss provision to net charge-offs | 516.5354% | 761 |
| Earnings coverage of net charge-offs (x) | 5.7559% | 2,743 |
| Efficiency ratio | 76.0485% | 3,505 |
| Assets per employee ($millions) | 4.5154% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 2,115 |
| Loan loss allowance to noncurrent loans | 226.4657% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 5,662 |
| Noncurrent loans to loans | 0.8238% | 5,650 |
| Net loans and leases to total assets | 87.5045% | 232 |
| Net loans and leases to deposits | 96.4902% | 1,510 |
| Net loans and leases to core deposits | 114.2910% | 2,803 |
| Total domestic deposits to total assets | 90.6874% | 520 |
| Equity capital to assets | 9.1797% | 5,200 |
| Core capital (leverage) ratio | 8.3749% | 5,700 |
| Tier 1 risk-based capital ratio | 9.7637% | 7,173 |
| Total risk-based capital ratio | 11.0199% | 7,132 |
| Memoranda: | ||
| Average total assets | $79,479,750 | 5,787 |
| Average earning assets | $74,188,750 | 5,713 |
| Average equity | $8,198,750 | 5,913 |
| Average total loans | $68,703,000 | 4,962 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6385% | 3,871 |
| Cost of funding earning assets | 0.6593% | 7,949 |
| Net interest margin | 4.9792% | 454 |
| Noninterest income to average assets | 0.2307% | 6,633 |
| Noninterest expense to average assets | 3.8666% | 1,545 |
| Loan and lease loss provision to assets | 0.8697% | 1,934 |
| Net operating income to assets | 0.0532% | 5,700 |
| Return on assets (ROA) | 0.0532% | 5,793 |
| Pretax return on assets | 0.1090% | 5,656 |
| Return on Equity (ROE) | 0.4974% | 5,788 |
| Retained earnings to average equity (ytd only) | 0.4974% | 5,008 |
| Net charge-offs to loans | 0.1216% | 4,947 |
| Credit loss provision to net charge-offs | 836.5854% | 563 |
| Earnings coverage of net charge-offs (x) | 9.4146% | 2,133 |
| Efficiency ratio | 79.8012% | 3,072 |
| Assets per employee ($millions) | 4.5083% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 2,914 |
| Loan loss allowance to noncurrent loans | 681.8182% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 7,003 |
| Noncurrent loans to loans | 0.2287% | 6,937 |
| Net loans and leases to total assets | 87.5143% | 270 |
| Net loans and leases to deposits | 97.9167% | 1,529 |
| Net loans and leases to core deposits | 116.5302% | 2,661 |
| Total domestic deposits to total assets | 89.3763% | 1,094 |
| Equity capital to assets | 10.4203% | 3,499 |
| Core capital (leverage) ratio | 9.1754% | 4,342 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,892 |
| Total risk-based capital ratio | 11.2768% | 6,820 |
| Memoranda: | ||
| Average total assets | $78,880,670 | 5,838 |
| Average earning assets | $73,104,000 | 5,785 |
| Average equity | $8,444,670 | 5,868 |
| Average total loans | $67,446,330 | 5,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 5,090 |
| Cost of funding earning assets | 0.7126% | 7,985 |
| Net interest margin | 4.7524% | 680 |
| Noninterest income to average assets | 0.2058% | 6,817 |
| Noninterest expense to average assets | 3.7815% | 1,505 |
| Loan and lease loss provision to assets | 0.6997% | 1,814 |
| Net operating income to assets | 0.0412% | 6,154 |
| Return on assets (ROA) | 0.0412% | 6,302 |
| Pretax return on assets | 0.0823% | 6,206 |
| Return on Equity (ROE) | 0.3792% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.3792% | 5,504 |
| Net charge-offs to loans | 0.1782% | 3,574 |
| Credit loss provision to net charge-offs | 468.9655% | 1,132 |
| Earnings coverage of net charge-offs (x) | 5.2414% | 2,715 |
| Efficiency ratio | 82.8636% | 2,430 |
| Assets per employee ($millions) | 4.2538% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 3,856 |
| Loan loss allowance to noncurrent loans | 370.5179% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,588 |
| Noncurrent loans to loans | 0.3615% | 6,527 |
| Net loans and leases to total assets | 84.7480% | 587 |
| Net loans and leases to deposits | 94.7451% | 2,145 |
| Net loans and leases to core deposits | 110.2411% | 3,402 |
| Total domestic deposits to total assets | 89.4484% | 1,032 |
| Equity capital to assets | 10.4464% | 3,513 |
| Core capital (leverage) ratio | 9.7825% | 3,655 |
| Tier 1 risk-based capital ratio | 10.3435% | 6,552 |
| Total risk-based capital ratio | 11.5941% | 6,467 |
| Memoranda: | ||
| Average total assets | $77,746,500 | 5,894 |
| Average earning assets | $71,290,500 | 5,870 |
| Average equity | $8,439,000 | 5,907 |
| Average total loans | $65,098,500 | 5,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7752% | 6,519 |
| Cost of funding earning assets | 1.3116% | 7,836 |
| Net interest margin | 4.4636% | 1,504 |
| Noninterest income to average assets | 0.3008% | 6,309 |
| Noninterest expense to average assets | 4.0157% | 1,397 |
| Loan and lease loss provision to assets | 0.2993% | 3,980 |
| Net operating income to assets | 0.0650% | 6,193 |
| Return on assets (ROA) | 0.0650% | 6,049 |
| Pretax return on assets | 0.1315% | 5,880 |
| Return on Equity (ROE) | 0.5112% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.5112% | 4,929 |
| Net charge-offs to loans | 0.1348% | 4,876 |
| Credit loss provision to net charge-offs | 282.8571% | 1,613 |
| Earnings coverage of net charge-offs (x) | 4.0714% | 4,115 |
| Efficiency ratio | 90.3127% | 1,493 |
| Assets per employee ($millions) | 3.9301% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 3,455 |
| Loan loss allowance to noncurrent loans | 275.2508% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 6,019 |
| Noncurrent loans to loans | 0.4920% | 5,875 |
| Net loans and leases to total assets | 80.2842% | 1,597 |
| Net loans and leases to deposits | 90.7109% | 3,333 |
| Net loans and leases to core deposits | 101.1354% | 4,710 |
| Total domestic deposits to total assets | 88.5056% | 1,244 |
| Equity capital to assets | 11.2962% | 2,806 |
| Core capital (leverage) ratio | 11.0412% | 2,563 |
| Tier 1 risk-based capital ratio | 11.5255% | 5,217 |
| Total risk-based capital ratio | 12.7754% | 5,111 |
| Memoranda: | ||
| Average total assets | $66,165,200 | 6,155 |
| Average earning assets | $61,452,400 | 6,112 |
| Average equity | $8,410,800 | 5,937 |
| Average total loans | $51,919,200 | 5,622 |