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Bankers' Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 3,129 |
| Cost of funding earning assets | 2.9506% | 161 |
| Net interest margin | 1.5277% | 4,504 |
| Noninterest income to average assets | 1.6600% | 334 |
| Noninterest expense to average assets | 2.2329% | 3,035 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.6754% | 3,251 |
| Return on assets (ROA) | 0.6746% | 3,236 |
| Pretax return on assets | 0.8249% | 3,154 |
| Return on Equity (ROE) | 7.2700% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.2737% | 1,801 |
| Net charge-offs to loans | 0.2048% | 526 |
| Credit loss provision to net charge-offs | 29.4262% | 2,278 |
| Earnings coverage of net charge-offs (x) | 6.1437% | 2,493 |
| Efficiency ratio | 72.0211% | 1,657 |
| Assets per employee ($millions) | 10.4340% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,789 |
| Loan loss allowance to noncurrent loans | 1,201.4344% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,125 |
| Noncurrent loans to loans | 0.0922% | 3,079 |
| Net loans and leases to total assets | 71.6800% | 1,622 |
| Net loans and leases to deposits | 118.1459% | 97 |
| Net loans and leases to core deposits | 155.7233% | 178 |
| Total domestic deposits to total assets | 60.6700% | 4,433 |
| Equity capital to assets | 9.8291% | 2,106 |
| Core capital (leverage) ratio | 10.7074% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2075% | 2,166 |
| Memoranda: | ||
| Average total assets | $1,444,116,600 | 734 |
| Average earning assets | $1,359,774,800 | 720 |
| Average equity | $133,934,400 | 740 |
| Average total loans | $995,619,800 | 729 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 3,255 |
| Cost of funding earning assets | 2.7976% | 161 |
| Net interest margin | 1.5225% | 4,521 |
| Noninterest income to average assets | 1.4200% | 418 |
| Noninterest expense to average assets | 2.2101% | 3,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5210% | 3,720 |
| Return on assets (ROA) | 0.5199% | 3,708 |
| Pretax return on assets | 0.6427% | 3,655 |
| Return on Equity (ROE) | 5.6900% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,718 |
| Net charge-offs to loans | 0.2463% | 362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.8425% | 2,427 |
| Efficiency ratio | 77.4364% | 1,055 |
| Assets per employee ($millions) | 10.0049% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,754 |
| Loan loss allowance to noncurrent loans | 545.3890% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,620 |
| Noncurrent loans to loans | 0.2056% | 2,531 |
| Net loans and leases to total assets | 68.5500% | 1,994 |
| Net loans and leases to deposits | 115.0559% | 121 |
| Net loans and leases to core deposits | 152.1509% | 139 |
| Total domestic deposits to total assets | 59.5800% | 4,463 |
| Equity capital to assets | 9.0805% | 2,375 |
| Core capital (leverage) ratio | 10.8143% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1823% | 2,207 |
| Memoranda: | ||
| Average total assets | $1,439,956,000 | 737 |
| Average earning assets | $1,357,494,000 | 721 |
| Average equity | $131,523,250 | 750 |
| Average total loans | $979,824,250 | 742 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 3,331 |
| Cost of funding earning assets | 2.7264% | 121 |
| Net interest margin | 1.4577% | 4,580 |
| Noninterest income to average assets | 1.3600% | 367 |
| Noninterest expense to average assets | 2.2422% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4110% | 3,987 |
| Return on assets (ROA) | 0.4093% | 3,997 |
| Pretax return on assets | 0.4899% | 3,984 |
| Return on Equity (ROE) | 4.4700% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.4712% | 3,090 |
| Net charge-offs to loans | 0.3654% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.9904% | 2,341 |
| Efficiency ratio | 82.0108% | 711 |
| Assets per employee ($millions) | 10.1813% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,437 |
| Loan loss allowance to noncurrent loans | 715.7015% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,734 |
| Noncurrent loans to loans | 0.1677% | 2,641 |
| Net loans and leases to total assets | 67.2900% | 2,033 |
| Net loans and leases to deposits | 117.5193% | 109 |
| Net loans and leases to core deposits | 152.3692% | 133 |
| Total domestic deposits to total assets | 57.2600% | 4,496 |
| Equity capital to assets | 9.0931% | 2,447 |
| Core capital (leverage) ratio | 10.7529% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9958% | 2,298 |
| Memoranda: | ||
| Average total assets | $1,432,642,000 | 730 |
| Average earning assets | $1,351,836,667 | 712 |
| Average equity | $131,151,000 | 749 |
| Average total loans | $968,853,667 | 734 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 3,464 |
| Cost of funding earning assets | 2.5130% | 97 |
| Net interest margin | 1.4795% | 4,639 |
| Noninterest income to average assets | 1.3600% | 368 |
| Noninterest expense to average assets | 2.2646% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4198% | 4,056 |
| Return on assets (ROA) | 0.4198% | 4,000 |
| Pretax return on assets | 0.4947% | 3,997 |
| Return on Equity (ROE) | 4.5700% | 3,944 |
| Retained earnings to average equity (ytd only) | 4.5699% | 3,115 |
| Net charge-offs to loans | 0.0243% | 1,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 30.1897% | 1,303 |
| Efficiency ratio | 82.0723% | 698 |
| Assets per employee ($millions) | 9.7277% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,606 |
| Loan loss allowance to noncurrent loans | 210.9657% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 1,142 |
| Noncurrent loans to loans | 0.6653% | 1,132 |
| Net loans and leases to total assets | 66.3800% | 2,018 |
| Net loans and leases to deposits | 117.5044% | 104 |
| Net loans and leases to core deposits | 150.0644% | 124 |
| Total domestic deposits to total assets | 56.5000% | 4,553 |
| Equity capital to assets | 9.1966% | 2,374 |
| Core capital (leverage) ratio | 11.1689% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1869% | 2,312 |
| Memoranda: | ||
| Average total assets | $1,415,909,000 | 750 |
| Average earning assets | $1,336,095,500 | 735 |
| Average equity | $130,069,500 | 760 |
| Average total loans | $953,996,500 | 754 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8982% | 4,240 |
| Cost of funding earning assets | 0.8496% | 322 |
| Net interest margin | 2.0487% | 4,543 |
| Noninterest income to average assets | 1.7400% | 297 |
| Noninterest expense to average assets | 2.5114% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9225% | 2,876 |
| Return on assets (ROA) | 0.9225% | 2,820 |
| Pretax return on assets | 1.1792% | 2,508 |
| Return on Equity (ROE) | 9.7100% | 2,902 |
| Retained earnings to average equity (ytd only) | 9.7091% | 1,238 |
| Net charge-offs to loans | 0.0068% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 295.5370% | 493 |
| Efficiency ratio | 68.0475% | 1,960 |
| Assets per employee ($millions) | 8.6943% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,272 |
| Loan loss allowance to noncurrent loans | 218.0190% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,112 |
| Noncurrent loans to loans | 0.6770% | 1,105 |
| Net loans and leases to total assets | 66.4300% | 1,991 |
| Net loans and leases to deposits | 114.4509% | 110 |
| Net loans and leases to core deposits | 146.8172% | 102 |
| Total domestic deposits to total assets | 58.0400% | 4,584 |
| Equity capital to assets | 9.1755% | 2,245 |
| Core capital (leverage) ratio | 11.3356% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0769% | 2,339 |
| Memoranda: | ||
| Average total assets | $1,353,330,800 | 758 |
| Average earning assets | $1,289,021,600 | 736 |
| Average equity | $128,580,600 | 762 |
| Average total loans | $797,422,200 | 823 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6391% | 4,357 |
| Cost of funding earning assets | 0.4718% | 871 |
| Net interest margin | 2.1673% | 4,482 |
| Noninterest income to average assets | 1.8300% | 292 |
| Noninterest expense to average assets | 2.5517% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0302% | 2,362 |
| Return on assets (ROA) | 1.0302% | 2,331 |
| Pretax return on assets | 1.3442% | 1,907 |
| Return on Equity (ROE) | 10.7500% | 2,484 |
| Retained earnings to average equity (ytd only) | 10.7488% | 1,120 |
| Net charge-offs to loans | 0.0033% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 714.2632% | 226 |
| Efficiency ratio | 65.4963% | 2,344 |
| Assets per employee ($millions) | 8.4894% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,086 |
| Loan loss allowance to noncurrent loans | 183.3068% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 935 |
| Noncurrent loans to loans | 0.8671% | 905 |
| Net loans and leases to total assets | 64.4800% | 2,040 |
| Net loans and leases to deposits | 114.6592% | 80 |
| Net loans and leases to core deposits | 151.5151% | 64 |
| Total domestic deposits to total assets | 56.2400% | 4,639 |
| Equity capital to assets | 9.4169% | 1,937 |
| Core capital (leverage) ratio | 12.1392% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7346% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,346,066,500 | 769 |
| Average earning assets | $1,284,753,250 | 751 |
| Average equity | $129,015,500 | 769 |
| Average total loans | $763,754,250 | 839 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3971% | 4,463 |
| Cost of funding earning assets | 0.2112% | 2,762 |
| Net interest margin | 2.1859% | 4,450 |
| Noninterest income to average assets | 1.8226% | 260 |
| Noninterest expense to average assets | 2.5198% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0428% | 2,008 |
| Return on assets (ROA) | 1.0428% | 1,976 |
| Pretax return on assets | 1.3981% | 1,445 |
| Return on Equity (ROE) | 10.8180% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.8180% | 819 |
| Net charge-offs to loans | 0.0005% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4,730.0000% | 11 |
| Efficiency ratio | 64.3154% | 2,734 |
| Assets per employee ($millions) | 7.7971% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 785 |
| Loan loss allowance to noncurrent loans | 275.4638% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 1,372 |
| Noncurrent loans to loans | 0.6611% | 1,294 |
| Net loans and leases to total assets | 61.2062% | 2,201 |
| Net loans and leases to deposits | 93.1178% | 551 |
| Net loans and leases to core deposits | 110.6371% | 341 |
| Total domestic deposits to total assets | 65.7299% | 4,655 |
| Equity capital to assets | 10.4813% | 1,441 |
| Core capital (leverage) ratio | 11.7255% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4115% | 1,597 |
| Memoranda: | ||
| Average total assets | $1,353,305,667 | 763 |
| Average earning assets | $1,297,146,333 | 744 |
| Average equity | $130,449,667 | 770 |
| Average total loans | $729,083,667 | 862 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1535% | 4,554 |
| Cost of funding earning assets | 0.1306% | 3,765 |
| Net interest margin | 2.0228% | 4,496 |
| Noninterest income to average assets | 1.6461% | 313 |
| Noninterest expense to average assets | 2.3413% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9346% | 2,135 |
| Return on assets (ROA) | 0.9346% | 2,126 |
| Pretax return on assets | 1.2564% | 1,636 |
| Return on Equity (ROE) | 10.0720% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.0720% | 999 |
| Net charge-offs to loans | -0.0028% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0766% | 2,898 |
| Assets per employee ($millions) | 9.6003% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 744 |
| Loan loss allowance to noncurrent loans | 277.5969% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 1,696 |
| Noncurrent loans to loans | 0.6832% | 1,390 |
| Net loans and leases to total assets | 50.6391% | 3,113 |
| Net loans and leases to deposits | 60.5216% | 2,857 |
| Net loans and leases to core deposits | 62.5405% | 2,929 |
| Total domestic deposits to total assets | 83.6711% | 3,833 |
| Equity capital to assets | 9.2459% | 2,485 |
| Core capital (leverage) ratio | 9.0110% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2791% | 1,429 |
| Memoranda: | ||
| Average total assets | $1,421,788,500 | 732 |
| Average earning assets | $1,371,734,000 | 705 |
| Average equity | $131,930,500 | 776 |
| Average total loans | $714,483,000 | 865 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0357% | 4,673 |
| Cost of funding earning assets | 0.1822% | 3,635 |
| Net interest margin | 1.8535% | 4,651 |
| Noninterest income to average assets | 2.1754% | 274 |
| Noninterest expense to average assets | 2.4926% | 2,200 |
| Loan and lease loss provision to assets | 0.0960% | 1,299 |
| Net operating income to assets | 1.0177% | 2,600 |
| Return on assets (ROA) | 1.0499% | 2,558 |
| Pretax return on assets | 1.4151% | 2,000 |
| Return on Equity (ROE) | 11.3939% | 2,022 |
| Retained earnings to average equity (ytd only) | 11.3939% | 634 |
| Net charge-offs to loans | 0.0068% | 2,326 |
| Credit loss provision to net charge-offs | 2,870.4545% | 238 |
| Earnings coverage of net charge-offs (x) | 439.8182% | 305 |
| Efficiency ratio | 62.8966% | 2,731 |
| Assets per employee ($millions) | 9.9467% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 632 |
| Loan loss allowance to noncurrent loans | 261.5224% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 1,746 |
| Noncurrent loans to loans | 0.7539% | 1,350 |
| Net loans and leases to total assets | 47.9426% | 3,496 |
| Net loans and leases to deposits | 56.8134% | 3,352 |
| Net loans and leases to core deposits | 57.7803% | 3,493 |
| Total domestic deposits to total assets | 84.3861% | 3,450 |
| Equity capital to assets | 9.3120% | 3,311 |
| Core capital (leverage) ratio | 9.0376% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9915% | 1,265 |
| Memoranda: | ||
| Average total assets | $1,316,080,200 | 759 |
| Average earning assets | $1,269,343,000 | 731 |
| Average equity | $121,266,400 | 855 |
| Average total loans | $650,936,600 | 934 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0184% | 4,758 |
| Cost of funding earning assets | 0.1975% | 3,626 |
| Net interest margin | 1.8209% | 4,735 |
| Noninterest income to average assets | 2.3312% | 267 |
| Noninterest expense to average assets | 2.5864% | 1,880 |
| Loan and lease loss provision to assets | 0.0979% | 1,221 |
| Net operating income to assets | 1.0368% | 2,781 |
| Return on assets (ROA) | 1.0806% | 2,686 |
| Pretax return on assets | 1.4575% | 2,125 |
| Return on Equity (ROE) | 11.7624% | 2,130 |
| Retained earnings to average equity (ytd only) | 11.7624% | 888 |
| Net charge-offs to loans | 0.0054% | 2,132 |
| Credit loss provision to net charge-offs | 3,634.6154% | 208 |
| Earnings coverage of net charge-offs (x) | 556.8846% | 271 |
| Efficiency ratio | 63.2932% | 2,494 |
| Assets per employee ($millions) | 10.2388% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0018% | 623 |
| Loan loss allowance to noncurrent loans | 255.3582% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 1,966 |
| Noncurrent loans to loans | 0.7839% | 1,442 |
| Net loans and leases to total assets | 46.1436% | 3,780 |
| Net loans and leases to deposits | 55.5251% | 3,621 |
| Net loans and leases to core deposits | 56.9458% | 3,703 |
| Total domestic deposits to total assets | 83.1041% | 3,680 |
| Equity capital to assets | 9.1748% | 3,678 |
| Core capital (leverage) ratio | 9.2046% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7022% | 1,191 |
| Memoranda: | ||
| Average total assets | $1,287,017,750 | 784 |
| Average earning assets | $1,240,547,250 | 757 |
| Average equity | $118,238,250 | 886 |
| Average total loans | $638,544,000 | 964 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0320% | 4,798 |
| Cost of funding earning assets | 0.2229% | 3,531 |
| Net interest margin | 1.8091% | 4,781 |
| Noninterest income to average assets | 2.4808% | 249 |
| Noninterest expense to average assets | 2.7561% | 1,452 |
| Loan and lease loss provision to assets | 0.1014% | 1,252 |
| Net operating income to assets | 1.0052% | 2,869 |
| Return on assets (ROA) | 1.0735% | 2,710 |
| Pretax return on assets | 1.4510% | 2,174 |
| Return on Equity (ROE) | 11.6788% | 2,173 |
| Retained earnings to average equity (ytd only) | 11.6788% | 979 |
| Net charge-offs to loans | 0.0057% | 1,941 |
| Credit loss provision to net charge-offs | 3,488.8889% | 187 |
| Earnings coverage of net charge-offs (x) | 504.2222% | 261 |
| Efficiency ratio | 65.2779% | 2,263 |
| Assets per employee ($millions) | 9.3524% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 565 |
| Loan loss allowance to noncurrent loans | 249.6596% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,011 |
| Noncurrent loans to loans | 0.8166% | 1,505 |
| Net loans and leases to total assets | 47.7683% | 3,752 |
| Net loans and leases to deposits | 59.2964% | 3,444 |
| Net loans and leases to core deposits | 61.8883% | 3,469 |
| Total domestic deposits to total assets | 80.5586% | 4,148 |
| Equity capital to assets | 9.0660% | 3,745 |
| Core capital (leverage) ratio | 8.9188% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0836% | 1,319 |
| Memoranda: | ||
| Average total assets | $1,238,212,667 | 802 |
| Average earning assets | $1,191,742,000 | 779 |
| Average equity | $113,812,667 | 914 |
| Average total loans | $626,409,000 | 984 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0601% | 4,821 |
| Cost of funding earning assets | 0.2570% | 3,407 |
| Net interest margin | 1.8032% | 4,806 |
| Noninterest income to average assets | 2.7356% | 230 |
| Noninterest expense to average assets | 2.8569% | 1,241 |
| Loan and lease loss provision to assets | 0.1049% | 1,302 |
| Net operating income to assets | 1.1176% | 2,418 |
| Return on assets (ROA) | 1.1176% | 2,497 |
| Pretax return on assets | 1.5121% | 1,959 |
| Return on Equity (ROE) | 12.0667% | 1,988 |
| Retained earnings to average equity (ytd only) | 12.0667% | 1,124 |
| Net charge-offs to loans | -0.0032% | 3,244 |
| Credit loss provision to net charge-offs | -6,260.0000% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8570% | 2,484 |
| Assets per employee ($millions) | 8.7285% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 557 |
| Loan loss allowance to noncurrent loans | 258.3033% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,205 |
| Noncurrent loans to loans | 0.7871% | 1,676 |
| Net loans and leases to total assets | 49.8393% | 3,641 |
| Net loans and leases to deposits | 61.4375% | 3,371 |
| Net loans and leases to core deposits | 64.2754% | 3,387 |
| Total domestic deposits to total assets | 81.1220% | 4,048 |
| Equity capital to assets | 8.9616% | 3,725 |
| Core capital (leverage) ratio | 9.0277% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5200% | 1,424 |
| Memoranda: | ||
| Average total assets | $1,193,301,500 | 829 |
| Average earning assets | $1,150,410,500 | 798 |
| Average equity | $110,519,000 | 928 |
| Average total loans | $615,822,500 | 999 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6444% | 4,810 |
| Cost of funding earning assets | 0.6449% | 2,029 |
| Net interest margin | 1.9995% | 4,825 |
| Noninterest income to average assets | 3.9109% | 139 |
| Noninterest expense to average assets | 3.3080% | 896 |
| Loan and lease loss provision to assets | 0.6089% | 325 |
| Net operating income to assets | 1.4019% | 1,016 |
| Return on assets (ROA) | 1.4325% | 1,035 |
| Pretax return on assets | 1.9384% | 516 |
| Return on Equity (ROE) | 14.0914% | 791 |
| Retained earnings to average equity (ytd only) | 14.0914% | 186 |
| Net charge-offs to loans | 0.0058% | 3,140 |
| Credit loss provision to net charge-offs | 18,760.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 772.8667% | 153 |
| Efficiency ratio | 56.8721% | 3,877 |
| Assets per employee ($millions) | 8.2494% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1106% | 483 |
| Loan loss allowance to noncurrent loans | 252.0616% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 2,265 |
| Noncurrent loans to loans | 0.8373% | 1,674 |
| Net loans and leases to total assets | 51.3041% | 3,722 |
| Net loans and leases to deposits | 66.8917% | 3,194 |
| Net loans and leases to core deposits | 70.8863% | 3,183 |
| Total domestic deposits to total assets | 76.6973% | 4,450 |
| Equity capital to assets | 9.5905% | 3,523 |
| Core capital (leverage) ratio | 9.5981% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3605% | 1,428 |
| Memoranda: | ||
| Average total assets | $924,281,600 | 947 |
| Average earning assets | $880,866,000 | 921 |
| Average equity | $93,957,800 | 1,017 |
| Average total loans | $518,733,400 | 1,107 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8101% | 4,828 |
| Cost of funding earning assets | 0.7606% | 1,677 |
| Net interest margin | 2.0495% | 4,870 |
| Noninterest income to average assets | 4.1646% | 126 |
| Noninterest expense to average assets | 3.4898% | 719 |
| Loan and lease loss provision to assets | 0.6050% | 412 |
| Net operating income to assets | 1.4979% | 911 |
| Return on assets (ROA) | 1.5412% | 907 |
| Pretax return on assets | 2.0720% | 446 |
| Return on Equity (ROE) | 14.8856% | 712 |
| Retained earnings to average equity (ytd only) | 14.8856% | 204 |
| Net charge-offs to loans | 0.0053% | 2,950 |
| Credit loss provision to net charge-offs | 19,755.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 856.2500% | 144 |
| Efficiency ratio | 57.0974% | 3,784 |
| Assets per employee ($millions) | 7.5957% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0374% | 462 |
| Loan loss allowance to noncurrent loans | 219.5740% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,274 |
| Noncurrent loans to loans | 0.9279% | 1,611 |
| Net loans and leases to total assets | 50.8553% | 4,045 |
| Net loans and leases to deposits | 66.1602% | 3,604 |
| Net loans and leases to core deposits | 73.2491% | 3,379 |
| Total domestic deposits to total assets | 76.8669% | 4,341 |
| Equity capital to assets | 9.2929% | 3,865 |
| Core capital (leverage) ratio | 9.7238% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5366% | 1,642 |
| Memoranda: | ||
| Average total assets | $870,746,250 | 980 |
| Average earning assets | $827,361,750 | 962 |
| Average equity | $90,152,000 | 1,046 |
| Average total loans | $499,254,000 | 1,127 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0775% | 4,796 |
| Cost of funding earning assets | 0.9028% | 1,366 |
| Net interest margin | 2.1747% | 4,890 |
| Noninterest income to average assets | 3.5753% | 134 |
| Noninterest expense to average assets | 3.5974% | 652 |
| Loan and lease loss provision to assets | 0.6419% | 462 |
| Net operating income to assets | 1.0425% | 2,178 |
| Return on assets (ROA) | 1.0920% | 2,116 |
| Pretax return on assets | 1.4581% | 1,563 |
| Return on Equity (ROE) | 10.1107% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.1107% | 773 |
| Net charge-offs to loans | 0.0086% | 2,639 |
| Credit loss provision to net charge-offs | 12,480.9524% | 96 |
| Earnings coverage of net charge-offs (x) | 396.1429% | 259 |
| Efficiency ratio | 63.8430% | 2,843 |
| Assets per employee ($millions) | 6.7246% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 496 |
| Loan loss allowance to noncurrent loans | 192.3617% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,137 |
| Noncurrent loans to loans | 1.0034% | 1,548 |
| Net loans and leases to total assets | 54.5071% | 3,835 |
| Net loans and leases to deposits | 72.7654% | 3,182 |
| Net loans and leases to core deposits | 83.8540% | 2,616 |
| Total domestic deposits to total assets | 74.9080% | 4,528 |
| Equity capital to assets | 10.1254% | 3,090 |
| Core capital (leverage) ratio | 10.5057% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6115% | 1,595 |
| Memoranda: | ||
| Average total assets | $816,656,333 | 1,011 |
| Average earning assets | $773,345,000 | 996 |
| Average equity | $88,203,667 | 1,053 |
| Average total loans | $486,915,667 | 1,138 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,619 |
| Cost of funding earning assets | 1.1001% | 1,045 |
| Net interest margin | 2.4123% | 4,870 |
| Noninterest income to average assets | 3.3176% | 135 |
| Noninterest expense to average assets | 3.6318% | 781 |
| Loan and lease loss provision to assets | 0.1682% | 1,745 |
| Net operating income to assets | 1.3319% | 1,150 |
| Return on assets (ROA) | 1.3551% | 1,175 |
| Pretax return on assets | 1.8236% | 664 |
| Return on Equity (ROE) | 12.1113% | 1,072 |
| Retained earnings to average equity (ytd only) | 12.1113% | 413 |
| Net charge-offs to loans | 0.0191% | 1,986 |
| Credit loss provision to net charge-offs | 1,421.7391% | 461 |
| Earnings coverage of net charge-offs (x) | 165.9130% | 395 |
| Efficiency ratio | 64.9200% | 3,098 |
| Assets per employee ($millions) | 5.7369% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 1,262 |
| Loan loss allowance to noncurrent loans | 144.2578% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 1,465 |
| Noncurrent loans to loans | 1.0568% | 1,567 |
| Net loans and leases to total assets | 64.7002% | 2,981 |
| Net loans and leases to deposits | 89.8321% | 1,532 |
| Net loans and leases to core deposits | 113.3932% | 691 |
| Total domestic deposits to total assets | 72.0234% | 4,770 |
| Equity capital to assets | 12.1714% | 1,945 |
| Core capital (leverage) ratio | 9.8893% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9637% | 1,611 |
| Memoranda: | ||
| Average total assets | $777,798,000 | 1,025 |
| Average earning assets | $734,083,500 | 1,003 |
| Average equity | $87,026,000 | 1,059 |
| Average total loans | $481,827,500 | 1,127 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,834 |
| Cost of funding earning assets | 1.1956% | 1,032 |
| Net interest margin | 2.3374% | 5,027 |
| Noninterest income to average assets | 2.8301% | 166 |
| Noninterest expense to average assets | 3.5592% | 892 |
| Loan and lease loss provision to assets | 0.1036% | 1,992 |
| Net operating income to assets | 1.0293% | 2,734 |
| Return on assets (ROA) | 1.0338% | 2,809 |
| Pretax return on assets | 1.3851% | 2,221 |
| Return on Equity (ROE) | 9.7532% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.7532% | 541 |
| Net charge-offs to loans | 0.0321% | 2,748 |
| Credit loss provision to net charge-offs | 541.3793% | 548 |
| Earnings coverage of net charge-offs (x) | 77.5172% | 810 |
| Efficiency ratio | 70.5882% | 2,085 |
| Assets per employee ($millions) | 6.5119% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,385 |
| Loan loss allowance to noncurrent loans | 138.9352% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 1,592 |
| Noncurrent loans to loans | 1.0380% | 1,458 |
| Net loans and leases to total assets | 57.7945% | 3,784 |
| Net loans and leases to deposits | 76.3724% | 3,143 |
| Net loans and leases to core deposits | 95.2879% | 1,959 |
| Total domestic deposits to total assets | 75.6746% | 4,637 |
| Equity capital to assets | 10.3231% | 3,612 |
| Core capital (leverage) ratio | 10.2231% | 3,270 |
| Tier 1 risk-based capital ratio | 14.4956% | 3,021 |
| Total risk-based capital ratio | 15.6858% | 2,953 |
| Memoranda: | ||
| Average total assets | $757,914,600 | 1,020 |
| Average earning assets | $717,289,800 | 994 |
| Average equity | $80,333,000 | 1,092 |
| Average total loans | $451,822,000 | 1,153 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6144% | 4,871 |
| Cost of funding earning assets | 1.2454% | 924 |
| Net interest margin | 2.3690% | 5,112 |
| Noninterest income to average assets | 2.7889% | 169 |
| Noninterest expense to average assets | 3.6128% | 834 |
| Loan and lease loss provision to assets | 0.0864% | 2,190 |
| Net operating income to assets | 0.9984% | 2,988 |
| Return on assets (ROA) | 1.0045% | 3,044 |
| Pretax return on assets | 1.3375% | 2,535 |
| Return on Equity (ROE) | 9.4088% | 2,710 |
| Retained earnings to average equity (ytd only) | 9.4088% | 923 |
| Net charge-offs to loans | 0.0391% | 2,304 |
| Credit loss provision to net charge-offs | 369.2308% | 817 |
| Earnings coverage of net charge-offs (x) | 60.5150% | 1,045 |
| Efficiency ratio | 71.8392% | 1,865 |
| Assets per employee ($millions) | 5.8420% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,362 |
| Loan loss allowance to noncurrent loans | 60,945.4545% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,646 |
| Noncurrent loans to loans | 0.0024% | 4,683 |
| Net loans and leases to total assets | 60.5099% | 3,632 |
| Net loans and leases to deposits | 79.2256% | 2,986 |
| Net loans and leases to core deposits | 114.5171% | 732 |
| Total domestic deposits to total assets | 76.3767% | 4,603 |
| Equity capital to assets | 11.1049% | 3,008 |
| Core capital (leverage) ratio | 10.7804% | 2,858 |
| Tier 1 risk-based capital ratio | 14.4616% | 3,093 |
| Total risk-based capital ratio | 15.6308% | 3,047 |
| Memoranda: | ||
| Average total assets | $740,640,500 | 1,033 |
| Average earning assets | $700,356,750 | 1,008 |
| Average equity | $79,073,000 | 1,097 |
| Average total loans | $443,537,250 | 1,179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,959 |
| Cost of funding earning assets | 1.2588% | 849 |
| Net interest margin | 2.3057% | 5,188 |
| Noninterest income to average assets | 2.7299% | 178 |
| Noninterest expense to average assets | 3.6207% | 832 |
| Loan and lease loss provision to assets | 0.0745% | 2,326 |
| Net operating income to assets | 0.9070% | 3,255 |
| Return on assets (ROA) | 0.9078% | 3,316 |
| Pretax return on assets | 1.2161% | 2,852 |
| Return on Equity (ROE) | 8.6199% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.6199% | 1,161 |
| Net charge-offs to loans | 0.0319% | 2,219 |
| Credit loss provision to net charge-offs | 392.8571% | 727 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 916 |
| Efficiency ratio | 73.7379% | 1,674 |
| Assets per employee ($millions) | 5.9771% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,540 |
| Loan loss allowance to noncurrent loans | 12,146.2963% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,632 |
| Noncurrent loans to loans | 0.0117% | 4,665 |
| Net loans and leases to total assets | 60.1355% | 3,722 |
| Net loans and leases to deposits | 77.0674% | 3,241 |
| Net loans and leases to core deposits | 117.3446% | 635 |
| Total domestic deposits to total assets | 78.0297% | 4,391 |
| Equity capital to assets | 10.6210% | 3,414 |
| Core capital (leverage) ratio | 10.6482% | 2,940 |
| Tier 1 risk-based capital ratio | 13.8119% | 3,416 |
| Total risk-based capital ratio | 14.9346% | 3,386 |
| Memoranda: | ||
| Average total assets | $738,260,670 | 1,037 |
| Average earning assets | $698,110,000 | 1,012 |
| Average equity | $77,750,670 | 1,110 |
| Average total loans | $438,321,330 | 1,187 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6205% | 4,944 |
| Cost of funding earning assets | 1.2922% | 673 |
| Net interest margin | 2.3284% | 5,248 |
| Noninterest income to average assets | 2.9006% | 153 |
| Noninterest expense to average assets | 3.7937% | 653 |
| Loan and lease loss provision to assets | 0.0577% | 2,506 |
| Net operating income to assets | 0.9573% | 3,017 |
| Return on assets (ROA) | 0.9573% | 3,060 |
| Pretax return on assets | 1.2486% | 2,637 |
| Return on Equity (ROE) | 9.1306% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.1306% | 1,274 |
| Net charge-offs to loans | 0.0066% | 2,464 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 339.5714% | 237 |
| Efficiency ratio | 74.3858% | 1,700 |
| Assets per employee ($millions) | 5.6965% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,289 |
| Loan loss allowance to noncurrent loans | 10,935.5932% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 3,651 |
| Noncurrent loans to loans | 0.0138% | 4,721 |
| Net loans and leases to total assets | 57.1034% | 3,982 |
| Net loans and leases to deposits | 71.9042% | 3,609 |
| Net loans and leases to core deposits | 114.4169% | 718 |
| Total domestic deposits to total assets | 79.4159% | 4,267 |
| Equity capital to assets | 10.6872% | 3,177 |
| Core capital (leverage) ratio | 10.6186% | 2,924 |
| Tier 1 risk-based capital ratio | 14.5724% | 3,073 |
| Total risk-based capital ratio | 15.7613% | 3,024 |
| Memoranda: | ||
| Average total assets | $727,847,000 | 1,048 |
| Average earning assets | $687,525,500 | 1,027 |
| Average equity | $76,314,500 | 1,123 |
| Average total loans | $425,962,000 | 1,222 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1713% | 5,165 |
| Cost of funding earning assets | 0.9978% | 755 |
| Net interest margin | 2.1735% | 5,310 |
| Noninterest income to average assets | 2.6625% | 182 |
| Noninterest expense to average assets | 3.5763% | 899 |
| Loan and lease loss provision to assets | 0.0412% | 3,364 |
| Net operating income to assets | 0.8259% | 3,707 |
| Return on assets (ROA) | 0.8259% | 3,704 |
| Pretax return on assets | 1.0991% | 3,271 |
| Return on Equity (ROE) | 8.0708% | 3,402 |
| Retained earnings to average equity (ytd only) | 8.0708% | 1,202 |
| Net charge-offs to loans | 0.0441% | 2,541 |
| Credit loss provision to net charge-offs | 179.8742% | 1,574 |
| Earnings coverage of net charge-offs (x) | 49.7925% | 1,140 |
| Efficiency ratio | 75.8230% | 1,389 |
| Assets per employee ($millions) | 5.5026% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,318 |
| Loan loss allowance to noncurrent loans | 45,385.7143% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 3,512 |
| Noncurrent loans to loans | 0.0033% | 4,810 |
| Net loans and leases to total assets | 58.1948% | 3,942 |
| Net loans and leases to deposits | 72.6939% | 3,611 |
| Net loans and leases to core deposits | 122.0627% | 498 |
| Total domestic deposits to total assets | 80.0546% | 4,095 |
| Equity capital to assets | 10.2788% | 3,399 |
| Core capital (leverage) ratio | 10.7050% | 2,830 |
| Tier 1 risk-based capital ratio | 13.5646% | 3,514 |
| Total risk-based capital ratio | 14.7086% | 3,475 |
| Memoranda: | ||
| Average total assets | $694,273,200 | 1,069 |
| Average earning assets | $656,132,400 | 1,046 |
| Average equity | $71,046,200 | 1,146 |
| Average total loans | $360,370,800 | 1,367 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 5,255 |
| Cost of funding earning assets | 0.9427% | 769 |
| Net interest margin | 2.1355% | 5,391 |
| Noninterest income to average assets | 2.7004% | 187 |
| Noninterest expense to average assets | 3.5749% | 892 |
| Loan and lease loss provision to assets | 0.0339% | 3,337 |
| Net operating income to assets | 0.8407% | 3,773 |
| Return on assets (ROA) | 0.8407% | 3,777 |
| Pretax return on assets | 1.1126% | 3,346 |
| Return on Equity (ROE) | 8.2254% | 3,454 |
| Retained earnings to average equity (ytd only) | 8.2254% | 1,547 |
| Net charge-offs to loans | 0.0124% | 2,975 |
| Credit loss provision to net charge-offs | 546.8750% | 646 |
| Earnings coverage of net charge-offs (x) | 184.7621% | 466 |
| Efficiency ratio | 75.7166% | 1,386 |
| Assets per employee ($millions) | 5.1213% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 1,013 |
| Loan loss allowance to noncurrent loans | 42,473.3333% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,536 |
| Noncurrent loans to loans | 0.0038% | 4,924 |
| Net loans and leases to total assets | 56.9311% | 4,138 |
| Net loans and leases to deposits | 72.9380% | 3,684 |
| Net loans and leases to core deposits | 118.8421% | 612 |
| Total domestic deposits to total assets | 78.0542% | 4,477 |
| Equity capital to assets | 10.6632% | 2,968 |
| Core capital (leverage) ratio | 10.6943% | 2,887 |
| Tier 1 risk-based capital ratio | 13.9826% | 3,387 |
| Total risk-based capital ratio | 15.1874% | 3,314 |
| Memoranda: | ||
| Average total assets | $687,630,500 | 1,075 |
| Average earning assets | $650,761,250 | 1,053 |
| Average equity | $70,284,250 | 1,153 |
| Average total loans | $344,001,500 | 1,429 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9201% | 5,360 |
| Cost of funding earning assets | 0.8509% | 909 |
| Net interest margin | 2.0692% | 5,462 |
| Noninterest income to average assets | 2.7092% | 187 |
| Noninterest expense to average assets | 3.5184% | 973 |
| Loan and lease loss provision to assets | 0.0362% | 3,188 |
| Net operating income to assets | 0.8390% | 3,723 |
| Return on assets (ROA) | 0.8390% | 3,722 |
| Pretax return on assets | 1.1170% | 3,245 |
| Return on Equity (ROE) | 8.3262% | 3,352 |
| Retained earnings to average equity (ytd only) | 8.3262% | 1,480 |
| Net charge-offs to loans | 0.0073% | 2,868 |
| Credit loss provision to net charge-offs | 1,041.6667% | 392 |
| Earnings coverage of net charge-offs (x) | 332.2500% | 275 |
| Efficiency ratio | 75.3158% | 1,518 |
| Assets per employee ($millions) | 5.3071% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 877 |
| Loan loss allowance to noncurrent loans | 441.5042% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 2,871 |
| Noncurrent loans to loans | 0.3889% | 3,303 |
| Net loans and leases to total assets | 50.6507% | 4,571 |
| Net loans and leases to deposits | 70.0344% | 3,854 |
| Net loans and leases to core deposits | 107.4920% | 1,155 |
| Total domestic deposits to total assets | 72.3225% | 5,155 |
| Equity capital to assets | 9.8944% | 3,726 |
| Core capital (leverage) ratio | 10.2743% | 3,262 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,270 |
| Total risk-based capital ratio | 15.4324% | 3,185 |
| Memoranda: | ||
| Average total assets | $691,502,330 | 1,074 |
| Average earning assets | $655,798,330 | 1,049 |
| Average equity | $69,684,000 | 1,167 |
| Average total loans | $328,257,330 | 1,489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7857% | 5,460 |
| Cost of funding earning assets | 0.7009% | 1,437 |
| Net interest margin | 2.0848% | 5,529 |
| Noninterest income to average assets | 2.7333% | 177 |
| Noninterest expense to average assets | 3.4927% | 1,017 |
| Loan and lease loss provision to assets | 0.0295% | 3,126 |
| Net operating income to assets | 0.9090% | 3,253 |
| Return on assets (ROA) | 0.9090% | 3,262 |
| Pretax return on assets | 1.1876% | 2,813 |
| Return on Equity (ROE) | 8.9344% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.9344% | 1,478 |
| Net charge-offs to loans | -0.0039% | 3,931 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1588% | 1,880 |
| Assets per employee ($millions) | 5.3832% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 582 |
| Loan loss allowance to noncurrent loans | 431.0226% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,833 |
| Noncurrent loans to loans | 0.4565% | 3,166 |
| Net loans and leases to total assets | 46.8709% | 4,760 |
| Net loans and leases to deposits | 70.0175% | 3,783 |
| Net loans and leases to core deposits | 98.7623% | 1,782 |
| Total domestic deposits to total assets | 66.9417% | 5,444 |
| Equity capital to assets | 10.4209% | 3,153 |
| Core capital (leverage) ratio | 10.6218% | 2,825 |
| Tier 1 risk-based capital ratio | 15.9875% | 2,476 |
| Total risk-based capital ratio | 17.2394% | 2,415 |
| Memoranda: | ||
| Average total assets | $679,021,500 | 1,090 |
| Average earning assets | $643,722,000 | 1,071 |
| Average equity | $69,081,000 | 1,180 |
| Average total loans | $307,769,000 | 1,569 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4688% | 5,561 |
| Cost of funding earning assets | 0.5048% | 2,286 |
| Net interest margin | 1.9640% | 5,578 |
| Noninterest income to average assets | 3.4220% | 150 |
| Noninterest expense to average assets | 4.1073% | 467 |
| Loan and lease loss provision to assets | 0.1070% | 2,094 |
| Net operating income to assets | 0.8526% | 2,943 |
| Return on assets (ROA) | 0.8526% | 2,965 |
| Pretax return on assets | 1.0562% | 3,360 |
| Return on Equity (ROE) | 7.6025% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.1003% | 1,480 |
| Net charge-offs to loans | 0.0058% | 3,875 |
| Credit loss provision to net charge-offs | 4,542.8571% | 88 |
| Earnings coverage of net charge-offs (x) | 493.7143% | 175 |
| Efficiency ratio | 77.9289% | 1,366 |
| Assets per employee ($millions) | 5.4373% | 2,000 |
| Cash dividends to net income (ytd only)* | 19.7592% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 444 |
| Loan loss allowance to noncurrent loans | 23,062.9630% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,750 |
| Noncurrent loans to loans | 0.0091% | 5,009 |
| Net loans and leases to total assets | 42.0201% | 5,066 |
| Net loans and leases to deposits | 62.6981% | 4,390 |
| Net loans and leases to core deposits | 83.5239% | 3,099 |
| Total domestic deposits to total assets | 67.0197% | 5,493 |
| Equity capital to assets | 9.9345% | 3,775 |
| Core capital (leverage) ratio | 11.0064% | 2,330 |
| Tier 1 risk-based capital ratio | 15.7112% | 2,547 |
| Total risk-based capital ratio | 16.9632% | 2,485 |
| Memoranda: | ||
| Average total assets | $594,180,200 | 1,205 |
| Average earning assets | $559,261,000 | 1,188 |
| Average equity | $66,636,200 | 1,199 |
| Average total loans | $239,588,800 | 1,875 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4695% | 5,629 |
| Cost of funding earning assets | 0.4777% | 2,451 |
| Net interest margin | 1.9919% | 5,644 |
| Noninterest income to average assets | 3.5663% | 152 |
| Noninterest expense to average assets | 4.2228% | 397 |
| Loan and lease loss provision to assets | 0.1116% | 1,920 |
| Net operating income to assets | 0.7290% | 3,825 |
| Return on assets (ROA) | 0.7290% | 3,896 |
| Pretax return on assets | 1.1025% | 3,291 |
| Return on Equity (ROE) | 6.2830% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.2830% | 2,069 |
| Net charge-offs to loans | -0.0006% | 4,254 |
| Credit loss provision to net charge-offs | -47,700.0000% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6702% | 1,372 |
| Assets per employee ($millions) | 4.9385% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 377 |
| Loan loss allowance to noncurrent loans | 60,830.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 3,795 |
| Noncurrent loans to loans | 0.0037% | 5,137 |
| Net loans and leases to total assets | 42.4609% | 5,096 |
| Net loans and leases to deposits | 68.7447% | 4,058 |
| Net loans and leases to core deposits | 89.7554% | 2,630 |
| Total domestic deposits to total assets | 61.7660% | 5,643 |
| Equity capital to assets | 10.9348% | 2,928 |
| Core capital (leverage) ratio | 11.1222% | 2,350 |
| Tier 1 risk-based capital ratio | 16.5617% | 2,305 |
| Total risk-based capital ratio | 17.8143% | 2,258 |
| Memoranda: | ||
| Average total assets | $570,092,500 | 1,262 |
| Average earning assets | $535,363,750 | 1,242 |
| Average equity | $66,145,000 | 1,210 |
| Average total loans | $225,388,750 | 1,970 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3651% | 5,693 |
| Cost of funding earning assets | 0.4146% | 2,936 |
| Net interest margin | 1.9505% | 5,703 |
| Noninterest income to average assets | 3.7358% | 157 |
| Noninterest expense to average assets | 4.3709% | 345 |
| Loan and lease loss provision to assets | 0.1151% | 1,787 |
| Net operating income to assets | 0.7114% | 3,793 |
| Return on assets (ROA) | 0.7114% | 3,861 |
| Pretax return on assets | 1.0783% | 3,270 |
| Return on Equity (ROE) | 6.0019% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.0019% | 2,113 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5524% | 1,390 |
| Assets per employee ($millions) | 4.8291% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3604% | 348 |
| Loan loss allowance to noncurrent loans | 45,561.5385% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,756 |
| Noncurrent loans to loans | 0.0052% | 5,171 |
| Net loans and leases to total assets | 42.2804% | 5,130 |
| Net loans and leases to deposits | 66.7280% | 4,168 |
| Net loans and leases to core deposits | 80.4196% | 3,388 |
| Total domestic deposits to total assets | 63.3623% | 5,671 |
| Equity capital to assets | 11.5389% | 2,290 |
| Core capital (leverage) ratio | 11.2766% | 2,148 |
| Tier 1 risk-based capital ratio | 17.3037% | 2,063 |
| Total risk-based capital ratio | 18.5569% | 2,015 |
| Memoranda: | ||
| Average total assets | $552,705,670 | 1,297 |
| Average earning assets | $518,114,000 | 1,282 |
| Average equity | $65,512,670 | 1,222 |
| Average total loans | $210,419,330 | 2,085 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2093% | 5,778 |
| Cost of funding earning assets | 0.3523% | 3,504 |
| Net interest margin | 1.8570% | 5,780 |
| Noninterest income to average assets | 3.9398% | 147 |
| Noninterest expense to average assets | 4.5057% | 334 |
| Loan and lease loss provision to assets | 0.1179% | 1,615 |
| Net operating income to assets | 0.6801% | 3,792 |
| Return on assets (ROA) | 0.6801% | 3,829 |
| Pretax return on assets | 1.0517% | 3,165 |
| Return on Equity (ROE) | 5.6574% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.6574% | 2,516 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3910% | 1,444 |
| Assets per employee ($millions) | 4.3030% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8230% | 219 |
| Loan loss allowance to noncurrent loans | 52,400.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,700 |
| Noncurrent loans to loans | 0.0054% | 5,243 |
| Net loans and leases to total assets | 37.7965% | 5,336 |
| Net loans and leases to deposits | 57.8029% | 4,713 |
| Net loans and leases to core deposits | 65.9458% | 4,427 |
| Total domestic deposits to total assets | 65.3885% | 5,724 |
| Equity capital to assets | 12.4699% | 1,565 |
| Core capital (leverage) ratio | 11.6568% | 1,850 |
| Tier 1 risk-based capital ratio | 19.9657% | 1,399 |
| Total risk-based capital ratio | 21.2216% | 1,369 |
| Memoranda: | ||
| Average total assets | $539,312,000 | 1,321 |
| Average earning assets | $504,052,000 | 1,306 |
| Average equity | $64,835,500 | 1,230 |
| Average total loans | $190,161,500 | 2,274 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5887% | 5,865 |
| Cost of funding earning assets | 0.1798% | 5,217 |
| Net interest margin | 1.4089% | 5,859 |
| Noninterest income to average assets | 3.9314% | 147 |
| Noninterest expense to average assets | 4.2236% | 478 |
| Loan and lease loss provision to assets | 0.0471% | 3,449 |
| Net operating income to assets | 0.6941% | 3,810 |
| Return on assets (ROA) | 0.7000% | 3,890 |
| Pretax return on assets | 0.9867% | 3,523 |
| Return on Equity (ROE) | 5.5721% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.4932% | 4,094 |
| Net charge-offs to loans | 0.7056% | 307 |
| Credit loss provision to net charge-offs | 27.8857% | 3,613 |
| Earnings coverage of net charge-offs (x) | 6.0697% | 3,237 |
| Efficiency ratio | 80.4628% | 1,365 |
| Assets per employee ($millions) | 4.6139% | 2,937 |
| Cash dividends to net income (ytd only)* | 55.2552% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1821% | 145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,870 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 30.8016% | 5,629 |
| Net loans and leases to deposits | 55.0517% | 4,965 |
| Net loans and leases to core deposits | 55.3196% | 5,082 |
| Total domestic deposits to total assets | 55.9504% | 5,850 |
| Equity capital to assets | 11.5971% | 2,081 |
| Core capital (leverage) ratio | 12.1813% | 1,485 |
| Tier 1 risk-based capital ratio | 21.0552% | 1,197 |
| Total risk-based capital ratio | 22.3119% | 1,180 |
| Memoranda: | ||
| Average total assets | $517,880,400 | 1,324 |
| Average earning assets | $484,350,200 | 1,309 |
| Average equity | $65,056,600 | 1,210 |
| Average total loans | $124,001,800 | 3,011 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5163% | 5,935 |
| Cost of funding earning assets | 0.1736% | 5,317 |
| Net interest margin | 1.3427% | 5,931 |
| Noninterest income to average assets | 4.0182% | 150 |
| Noninterest expense to average assets | 4.2501% | 466 |
| Loan and lease loss provision to assets | 0.0545% | 3,174 |
| Net operating income to assets | 0.7075% | 3,804 |
| Return on assets (ROA) | 0.7157% | 3,903 |
| Pretax return on assets | 0.9795% | 3,707 |
| Return on Equity (ROE) | 5.5809% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.5809% | 2,442 |
| Net charge-offs to loans | 0.7089% | 263 |
| Credit loss provision to net charge-offs | 35.2542% | 3,188 |
| Earnings coverage of net charge-offs (x) | 6.6169% | 2,982 |
| Efficiency ratio | 80.6032% | 1,359 |
| Assets per employee ($millions) | 4.2637% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1108% | 70 |
| Loan loss allowance to noncurrent loans | 341.0017% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 2,722 |
| Noncurrent loans to loans | 1.2055% | 1,861 |
| Net loans and leases to total assets | 27.1455% | 5,773 |
| Net loans and leases to deposits | 46.4331% | 5,445 |
| Net loans and leases to core deposits | 46.6711% | 5,488 |
| Total domestic deposits to total assets | 58.4615% | 5,898 |
| Equity capital to assets | 13.2422% | 1,374 |
| Core capital (leverage) ratio | 12.4863% | 1,402 |
| Tier 1 risk-based capital ratio | 25.1101% | 805 |
| Total risk-based capital ratio | 26.3716% | 785 |
| Memoranda: | ||
| Average total assets | $508,935,000 | 1,351 |
| Average earning assets | $475,544,250 | 1,334 |
| Average equity | $65,268,500 | 1,211 |
| Average total loans | $110,966,750 | 3,213 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3997% | 6,020 |
| Cost of funding earning assets | 0.1645% | 5,462 |
| Net interest margin | 1.2352% | 6,018 |
| Noninterest income to average assets | 4.0570% | 152 |
| Noninterest expense to average assets | 4.2762% | 456 |
| Loan and lease loss provision to assets | 0.0673% | 2,793 |
| Net operating income to assets | 0.6773% | 3,915 |
| Return on assets (ROA) | 0.6773% | 4,053 |
| Pretax return on assets | 0.8683% | 4,055 |
| Return on Equity (ROE) | 5.3381% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.3381% | 2,526 |
| Net charge-offs to loans | 1.2719% | 127 |
| Credit loss provision to net charge-offs | 26.9171% | 2,882 |
| Earnings coverage of net charge-offs (x) | 3.7402% | 3,063 |
| Efficiency ratio | 82.0476% | 1,262 |
| Assets per employee ($millions) | 5.3534% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2930% | 39 |
| Loan loss allowance to noncurrent loans | 154.3606% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 3,117 |
| Noncurrent loans to loans | 3.4290% | 388 |
| Net loans and leases to total assets | 16.9166% | 5,972 |
| Net loans and leases to deposits | 27.7636% | 5,910 |
| Net loans and leases to core deposits | 27.8761% | 5,916 |
| Total domestic deposits to total assets | 60.9309% | 5,964 |
| Equity capital to assets | 10.7879% | 3,300 |
| Core capital (leverage) ratio | 12.5093% | 1,350 |
| Tier 1 risk-based capital ratio | 33.3547% | 374 |
| Total risk-based capital ratio | 34.6252% | 369 |
| Memoranda: | ||
| Average total assets | $510,873,670 | 1,354 |
| Average earning assets | $477,666,670 | 1,334 |
| Average equity | $64,816,670 | 1,214 |
| Average total loans | $100,479,330 | 3,399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4777% | 6,084 |
| Cost of funding earning assets | 0.1704% | 5,464 |
| Net interest margin | 1.3072% | 6,080 |
| Noninterest income to average assets | 4.9163% | 120 |
| Noninterest expense to average assets | 4.8547% | 296 |
| Loan and lease loss provision to assets | 0.0312% | 3,249 |
| Net operating income to assets | 0.9307% | 2,598 |
| Return on assets (ROA) | 0.9307% | 2,706 |
| Pretax return on assets | 1.2412% | 2,538 |
| Return on Equity (ROE) | 6.6743% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.6743% | 2,045 |
| Net charge-offs to loans | -0.0166% | 4,775 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2327% | 1,711 |
| Assets per employee ($millions) | 4.0541% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0441% | 31 |
| Loan loss allowance to noncurrent loans | 142.9613% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 2,304 |
| Noncurrent loans to loans | 4.2278% | 273 |
| Net loans and leases to total assets | 20.9260% | 5,978 |
| Net loans and leases to deposits | 33.4819% | 5,878 |
| Net loans and leases to core deposits | 33.6552% | 5,897 |
| Total domestic deposits to total assets | 62.4994% | 6,016 |
| Equity capital to assets | 13.9192% | 1,017 |
| Core capital (leverage) ratio | 13.3620% | 1,037 |
| Tier 1 risk-based capital ratio | 39.0682% | 249 |
| Total risk-based capital ratio | 40.3490% | 245 |
| Memoranda: | ||
| Average total assets | $461,164,000 | 1,488 |
| Average earning assets | $427,157,500 | 1,487 |
| Average equity | $64,306,000 | 1,220 |
| Average total loans | $96,213,500 | 3,490 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2302% | 6,138 |
| Cost of funding earning assets | 0.0954% | 5,981 |
| Net interest margin | 1.1348% | 6,134 |
| Noninterest income to average assets | 4.7447% | 131 |
| Noninterest expense to average assets | 4.9858% | 282 |
| Loan and lease loss provision to assets | -0.0477% | 5,740 |
| Net operating income to assets | 0.5719% | 4,412 |
| Return on assets (ROA) | 0.5719% | 4,499 |
| Pretax return on assets | 0.8449% | 4,043 |
| Return on Equity (ROE) | 3.7271% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.7159% | 4,747 |
| Net charge-offs to loans | 0.7554% | 306 |
| Credit loss provision to net charge-offs | -33.7308% | 5,022 |
| Earnings coverage of net charge-offs (x) | 5.6320% | 3,351 |
| Efficiency ratio | 86.2158% | 977 |
| Assets per employee ($millions) | 3.8653% | 4,187 |
| Cash dividends to net income (ytd only)* | 53.9629% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0403% | 18 |
| Loan loss allowance to noncurrent loans | 141.2364% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 2,227 |
| Noncurrent loans to loans | 4.9848% | 193 |
| Net loans and leases to total assets | 18.0556% | 6,079 |
| Net loans and leases to deposits | 29.5066% | 5,997 |
| Net loans and leases to core deposits | 29.5596% | 6,010 |
| Total domestic deposits to total assets | 61.1915% | 6,079 |
| Equity capital to assets | 13.9699% | 939 |
| Core capital (leverage) ratio | 13.1675% | 1,087 |
| Tier 1 risk-based capital ratio | 41.1751% | 212 |
| Total risk-based capital ratio | 42.4592% | 210 |
| Memoranda: | ||
| Average total assets | $414,737,000 | 1,590 |
| Average earning assets | $379,450,800 | 1,608 |
| Average equity | $63,641,600 | 1,185 |
| Average total loans | $77,708,000 | 3,891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2255% | 6,234 |
| Cost of funding earning assets | 0.0901% | 6,090 |
| Net interest margin | 1.1354% | 6,229 |
| Noninterest income to average assets | 4.9403% | 130 |
| Noninterest expense to average assets | 5.1592% | 250 |
| Loan and lease loss provision to assets | -0.0653% | 5,942 |
| Net operating income to assets | 0.5951% | 4,409 |
| Return on assets (ROA) | 0.5951% | 4,507 |
| Pretax return on assets | 0.8846% | 4,033 |
| Return on Equity (ROE) | 3.7826% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.7826% | 3,777 |
| Net charge-offs to loans | 1.0099% | 185 |
| Credit loss provision to net charge-offs | -34.8592% | 4,928 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 3,358 |
| Efficiency ratio | 86.2957% | 983 |
| Assets per employee ($millions) | 3.7414% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6002% | 14 |
| Loan loss allowance to noncurrent loans | 133.7682% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 2,064 |
| Noncurrent loans to loans | 5.6816% | 156 |
| Net loans and leases to total assets | 18.3113% | 6,161 |
| Net loans and leases to deposits | 33.3947% | 6,028 |
| Net loans and leases to core deposits | 33.4682% | 6,053 |
| Total domestic deposits to total assets | 54.8329% | 6,203 |
| Equity capital to assets | 15.5359% | 641 |
| Core capital (leverage) ratio | 15.7214% | 530 |
| Tier 1 risk-based capital ratio | 42.0044% | 225 |
| Total risk-based capital ratio | 43.2887% | 223 |
| Memoranda: | ||
| Average total assets | $404,394,000 | 1,643 |
| Average earning assets | $369,795,250 | 1,656 |
| Average equity | $63,622,500 | 1,192 |
| Average total loans | $74,987,500 | 4,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2229% | 6,310 |
| Cost of funding earning assets | 0.0881% | 6,173 |
| Net interest margin | 1.1348% | 6,304 |
| Noninterest income to average assets | 4.9880% | 129 |
| Noninterest expense to average assets | 5.1812% | 256 |
| Loan and lease loss provision to assets | -0.0988% | 6,083 |
| Net operating income to assets | 0.6313% | 4,211 |
| Return on assets (ROA) | 0.6313% | 4,325 |
| Pretax return on assets | 0.9467% | 3,781 |
| Return on Equity (ROE) | 3.9954% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,473 |
| Net charge-offs to loans | 1.5686% | 108 |
| Credit loss provision to net charge-offs | -34.7979% | 4,772 |
| Earnings coverage of net charge-offs (x) | 2.9859% | 3,262 |
| Efficiency ratio | 85.9366% | 1,064 |
| Assets per employee ($millions) | 3.4378% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3417% | 12 |
| Loan loss allowance to noncurrent loans | 127.0567% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 1,902 |
| Noncurrent loans to loans | 6.5653% | 132 |
| Net loans and leases to total assets | 18.0110% | 6,232 |
| Net loans and leases to deposits | 33.1298% | 6,100 |
| Net loans and leases to core deposits | 33.2500% | 6,119 |
| Total domestic deposits to total assets | 54.3649% | 6,277 |
| Equity capital to assets | 16.7555% | 441 |
| Core capital (leverage) ratio | 15.3256% | 573 |
| Tier 1 risk-based capital ratio | 45.4337% | 189 |
| Total risk-based capital ratio | 46.7230% | 188 |
| Memoranda: | ||
| Average total assets | $400,760,000 | 1,667 |
| Average earning assets | $367,647,330 | 1,670 |
| Average equity | $63,323,330 | 1,206 |
| Average total loans | $72,549,670 | 4,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1125% | 6,388 |
| Cost of funding earning assets | 0.0879% | 6,243 |
| Net interest margin | 1.0245% | 6,383 |
| Noninterest income to average assets | 4.9003% | 130 |
| Noninterest expense to average assets | 5.0534% | 283 |
| Loan and lease loss provision to assets | -0.1930% | 6,259 |
| Net operating income to assets | 0.6531% | 4,034 |
| Return on assets (ROA) | 0.6531% | 4,153 |
| Pretax return on assets | 0.9826% | 3,562 |
| Return on Equity (ROE) | 4.2529% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.2529% | 3,467 |
| Net charge-offs to loans | 0.0336% | 2,526 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 384 |
| Efficiency ratio | 86.4865% | 1,135 |
| Assets per employee ($millions) | 3.4821% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4479% | 9 |
| Loan loss allowance to noncurrent loans | 220.2196% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 3,013 |
| Noncurrent loans to loans | 4.2902% | 377 |
| Net loans and leases to total assets | 16.9066% | 6,304 |
| Net loans and leases to deposits | 31.5100% | 6,171 |
| Net loans and leases to core deposits | 31.5861% | 6,192 |
| Total domestic deposits to total assets | 53.6547% | 6,352 |
| Equity capital to assets | 16.3935% | 495 |
| Core capital (leverage) ratio | 14.5266% | 686 |
| Tier 1 risk-based capital ratio | 52.0576% | 137 |
| Total risk-based capital ratio | 53.3613% | 137 |
| Memoranda: | ||
| Average total assets | $410,339,500 | 1,641 |
| Average earning assets | $377,532,000 | 1,635 |
| Average equity | $63,015,500 | 1,213 |
| Average total loans | $71,332,000 | 4,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2018% | 6,465 |
| Cost of funding earning assets | 0.0981% | 6,331 |
| Net interest margin | 1.1037% | 6,457 |
| Noninterest income to average assets | 4.6214% | 134 |
| Noninterest expense to average assets | 4.9722% | 311 |
| Loan and lease loss provision to assets | -0.5158% | 6,447 |
| Net operating income to assets | 0.9321% | 2,714 |
| Return on assets (ROA) | 0.9321% | 2,803 |
| Pretax return on assets | 1.1745% | 2,762 |
| Return on Equity (ROE) | 6.2804% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.2804% | 1,764 |
| Net charge-offs to loans | 2.1287% | 87 |
| Credit loss provision to net charge-offs | -129.0049% | 5,562 |
| Earnings coverage of net charge-offs (x) | 1.6475% | 4,369 |
| Efficiency ratio | 88.3025% | 966 |
| Assets per employee ($millions) | 3.8422% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9603% | 8 |
| Loan loss allowance to noncurrent loans | 218.8221% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 3,304 |
| Noncurrent loans to loans | 4.5518% | 361 |
| Net loans and leases to total assets | 14.6206% | 6,424 |
| Net loans and leases to deposits | 27.3273% | 6,329 |
| Net loans and leases to core deposits | 27.4454% | 6,338 |
| Total domestic deposits to total assets | 53.5020% | 6,441 |
| Equity capital to assets | 14.4341% | 829 |
| Core capital (leverage) ratio | 14.5859% | 685 |
| Tier 1 risk-based capital ratio | 45.2959% | 169 |
| Total risk-based capital ratio | 46.5928% | 169 |
| Memoranda: | ||
| Average total assets | $412,188,200 | 1,604 |
| Average earning assets | $377,010,200 | 1,604 |
| Average equity | $61,174,600 | 1,194 |
| Average total loans | $77,419,800 | 3,957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2290% | 6,551 |
| Cost of funding earning assets | 0.1028% | 6,407 |
| Net interest margin | 1.1262% | 6,544 |
| Noninterest income to average assets | 4.7183% | 128 |
| Noninterest expense to average assets | 4.9815% | 313 |
| Loan and lease loss provision to assets | -0.3691% | 6,499 |
| Net operating income to assets | 0.9202% | 2,820 |
| Return on assets (ROA) | 0.9202% | 2,915 |
| Pretax return on assets | 1.1327% | 3,058 |
| Return on Equity (ROE) | 6.1554% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.1554% | 2,310 |
| Net charge-offs to loans | 2.7929% | 46 |
| Credit loss provision to net charge-offs | -67.9131% | 5,384 |
| Earnings coverage of net charge-offs (x) | 1.4047% | 4,164 |
| Efficiency ratio | 86.7097% | 1,116 |
| Assets per employee ($millions) | 3.3682% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.5330% | 7 |
| Loan loss allowance to noncurrent loans | 249.3620% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 3,161 |
| Noncurrent loans to loans | 4.2240% | 479 |
| Net loans and leases to total assets | 17.8806% | 6,475 |
| Net loans and leases to deposits | 30.9511% | 6,360 |
| Net loans and leases to core deposits | 31.1423% | 6,374 |
| Total domestic deposits to total assets | 57.7704% | 6,505 |
| Equity capital to assets | 16.3535% | 515 |
| Core capital (leverage) ratio | 15.1187% | 598 |
| Tier 1 risk-based capital ratio | 41.4607% | 217 |
| Total risk-based capital ratio | 42.7237% | 216 |
| Memoranda: | ||
| Average total assets | $406,693,500 | 1,638 |
| Average earning assets | $370,797,500 | 1,641 |
| Average equity | $60,801,250 | 1,206 |
| Average total loans | $79,149,750 | 3,927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2150% | 6,616 |
| Cost of funding earning assets | 0.1055% | 6,466 |
| Net interest margin | 1.1096% | 6,608 |
| Noninterest income to average assets | 4.6722% | 129 |
| Noninterest expense to average assets | 4.8682% | 337 |
| Loan and lease loss provision to assets | -0.2186% | 6,488 |
| Net operating income to assets | 0.8739% | 2,943 |
| Return on assets (ROA) | 0.8739% | 3,031 |
| Pretax return on assets | 1.0357% | 3,341 |
| Return on Equity (ROE) | 6.0178% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0178% | 2,311 |
| Net charge-offs to loans | 4.1358% | 23 |
| Credit loss provision to net charge-offs | -27.3824% | 5,122 |
| Earnings coverage of net charge-offs (x) | 1.0235% | 3,903 |
| Efficiency ratio | 85.6284% | 1,303 |
| Assets per employee ($millions) | 3.6789% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2947% | 4 |
| Loan loss allowance to noncurrent loans | 265.0488% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 3,416 |
| Noncurrent loans to loans | 4.2614% | 535 |
| Net loans and leases to total assets | 16.4040% | 6,554 |
| Net loans and leases to deposits | 30.5841% | 6,417 |
| Net loans and leases to core deposits | 30.8400% | 6,436 |
| Total domestic deposits to total assets | 53.6358% | 6,589 |
| Equity capital to assets | 14.7349% | 764 |
| Core capital (leverage) ratio | 13.7367% | 905 |
| Tier 1 risk-based capital ratio | 41.7544% | 209 |
| Total risk-based capital ratio | 43.0238% | 207 |
| Memoranda: | ||
| Average total assets | $415,390,330 | 1,605 |
| Average earning assets | $379,244,330 | 1,612 |
| Average equity | $60,321,000 | 1,205 |
| Average total loans | $80,177,670 | 3,905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1716% | 6,696 |
| Cost of funding earning assets | 0.1055% | 6,548 |
| Net interest margin | 1.0660% | 6,690 |
| Noninterest income to average assets | 4.9650% | 116 |
| Noninterest expense to average assets | 4.8234% | 350 |
| Loan and lease loss provision to assets | 0.0058% | 3,746 |
| Net operating income to assets | 0.8814% | 2,734 |
| Return on assets (ROA) | 0.8814% | 2,804 |
| Pretax return on assets | 1.1088% | 2,864 |
| Return on Equity (ROE) | 6.1149% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.1149% | 2,476 |
| Net charge-offs to loans | -0.0196% | 5,341 |
| Credit loss provision to net charge-offs | -150.0000% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2297% | 2,023 |
| Assets per employee ($millions) | 3.7150% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.5543% | 2 |
| Loan loss allowance to noncurrent loans | 216.9008% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 2,283 |
| Noncurrent loans to loans | 6.2491% | 279 |
| Net loans and leases to total assets | 16.1317% | 6,626 |
| Net loans and leases to deposits | 31.1704% | 6,452 |
| Net loans and leases to core deposits | 31.3977% | 6,472 |
| Total domestic deposits to total assets | 51.7534% | 6,666 |
| Equity capital to assets | 14.1183% | 883 |
| Core capital (leverage) ratio | 13.6921% | 924 |
| Tier 1 risk-based capital ratio | 46.0131% | 164 |
| Total risk-based capital ratio | 47.3062% | 162 |
| Memoranda: | ||
| Average total assets | $415,228,000 | 1,614 |
| Average earning assets | $378,973,500 | 1,621 |
| Average equity | $59,854,000 | 1,219 |
| Average total loans | $81,828,000 | 3,888 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4667% | 6,750 |
| Cost of funding earning assets | 0.1187% | 6,634 |
| Net interest margin | 1.3480% | 6,737 |
| Noninterest income to average assets | 5.1988% | 125 |
| Noninterest expense to average assets | 4.9882% | 353 |
| Loan and lease loss provision to assets | -0.5236% | 6,751 |
| Net operating income to assets | 1.1711% | 1,682 |
| Return on assets (ROA) | 1.1711% | 1,735 |
| Pretax return on assets | 1.9869% | 497 |
| Return on Equity (ROE) | 8.6496% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.6496% | 862 |
| Net charge-offs to loans | 0.1434% | 3,370 |
| Credit loss provision to net charge-offs | -1,635.0365% | 6,293 |
| Earnings coverage of net charge-offs (x) | 45.6934% | 851 |
| Efficiency ratio | 77.3180% | 2,568 |
| Assets per employee ($millions) | 3.5685% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.8628% | 4 |
| Loan loss allowance to noncurrent loans | 212.4360% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8225% | 2,013 |
| Noncurrent loans to loans | 6.0549% | 337 |
| Net loans and leases to total assets | 18.1373% | 6,690 |
| Net loans and leases to deposits | 31.2626% | 6,555 |
| Net loans and leases to core deposits | 31.4916% | 6,574 |
| Total domestic deposits to total assets | 58.0159% | 6,721 |
| Equity capital to assets | 14.7288% | 727 |
| Core capital (leverage) ratio | 14.2822% | 749 |
| Tier 1 risk-based capital ratio | 38.3896% | 257 |
| Total risk-based capital ratio | 39.6505% | 250 |
| Memoranda: | ||
| Average total assets | $427,793,000 | 1,546 |
| Average earning assets | $397,558,600 | 1,523 |
| Average equity | $57,921,600 | 1,244 |
| Average total loans | $95,563,600 | 3,563 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4980% | 6,830 |
| Cost of funding earning assets | 0.1207% | 6,722 |
| Net interest margin | 1.3773% | 6,820 |
| Noninterest income to average assets | 5.4284% | 133 |
| Noninterest expense to average assets | 4.8885% | 367 |
| Loan and lease loss provision to assets | -0.5915% | 6,843 |
| Net operating income to assets | 1.4358% | 1,012 |
| Return on assets (ROA) | 1.4358% | 1,072 |
| Pretax return on assets | 2.4178% | 268 |
| Return on Equity (ROE) | 10.8255% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.8255% | 614 |
| Net charge-offs to loans | 0.1544% | 3,005 |
| Credit loss provision to net charge-offs | -1,688.5965% | 6,256 |
| Earnings coverage of net charge-offs (x) | 52.1391% | 842 |
| Efficiency ratio | 72.8013% | 3,260 |
| Assets per employee ($millions) | 3.7196% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2266% | 3 |
| Loan loss allowance to noncurrent loans | 216.4690% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 2,323 |
| Noncurrent loans to loans | 6.1102% | 409 |
| Net loans and leases to total assets | 17.3769% | 6,778 |
| Net loans and leases to deposits | 32.4000% | 6,607 |
| Net loans and leases to core deposits | 32.6827% | 6,636 |
| Total domestic deposits to total assets | 53.6324% | 6,823 |
| Equity capital to assets | 14.2238% | 901 |
| Core capital (leverage) ratio | 14.0188% | 868 |
| Tier 1 risk-based capital ratio | 42.2180% | 212 |
| Total risk-based capital ratio | 43.5097% | 212 |
| Memoranda: | ||
| Average total assets | $433,932,250 | 1,537 |
| Average earning assets | $405,330,500 | 1,505 |
| Average equity | $57,554,000 | 1,258 |
| Average total loans | $98,471,500 | 3,513 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5037% | 6,880 |
| Cost of funding earning assets | 0.1226% | 6,774 |
| Net interest margin | 1.3811% | 6,867 |
| Noninterest income to average assets | 5.8855% | 125 |
| Noninterest expense to average assets | 5.1702% | 317 |
| Loan and lease loss provision to assets | -0.5702% | 6,879 |
| Net operating income to assets | 1.5262% | 860 |
| Return on assets (ROA) | 1.5262% | 928 |
| Pretax return on assets | 2.5753% | 253 |
| Return on Equity (ROE) | 11.7795% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.7795% | 530 |
| Net charge-offs to loans | 0.2286% | 2,358 |
| Credit loss provision to net charge-offs | -1,059.3220% | 6,038 |
| Earnings coverage of net charge-offs (x) | 37.2542% | 974 |
| Efficiency ratio | 72.0552% | 3,457 |
| Assets per employee ($millions) | 3.6520% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4061% | 3 |
| Loan loss allowance to noncurrent loans | 192.7498% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1363% | 2,018 |
| Noncurrent loans to loans | 6.4364% | 409 |
| Net loans and leases to total assets | 19.8444% | 6,795 |
| Net loans and leases to deposits | 35.9532% | 6,561 |
| Net loans and leases to core deposits | 36.2582% | 6,595 |
| Total domestic deposits to total assets | 55.1951% | 6,863 |
| Equity capital to assets | 13.9184% | 992 |
| Core capital (leverage) ratio | 13.1832% | 1,103 |
| Tier 1 risk-based capital ratio | 40.2284% | 226 |
| Total risk-based capital ratio | 41.5089% | 221 |
| Memoranda: | ||
| Average total assets | $438,470,670 | 1,516 |
| Average earning assets | $409,526,000 | 1,488 |
| Average equity | $56,810,330 | 1,269 |
| Average total loans | $103,238,330 | 3,416 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3170% | 6,974 |
| Cost of funding earning assets | 0.1242% | 6,850 |
| Net interest margin | 1.1927% | 6,964 |
| Noninterest income to average assets | 6.2692% | 111 |
| Noninterest expense to average assets | 4.8897% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4554% | 947 |
| Return on assets (ROA) | 1.4554% | 1,024 |
| Pretax return on assets | 2.4944% | 270 |
| Return on Equity (ROE) | 11.6382% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.6382% | 758 |
| Net charge-offs to loans | -0.1230% | 6,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2190% | 4,628 |
| Assets per employee ($millions) | 4.0656% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7999% | 5 |
| Loan loss allowance to noncurrent loans | 117.6182% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 3.1101% | 1,423 |
| Noncurrent loans to loans | 10.8826% | 176 |
| Net loans and leases to total assets | 19.7563% | 6,860 |
| Net loans and leases to deposits | 37.2729% | 6,530 |
| Net loans and leases to core deposits | 37.5765% | 6,577 |
| Total domestic deposits to total assets | 53.0044% | 6,945 |
| Equity capital to assets | 12.4744% | 1,728 |
| Core capital (leverage) ratio | 11.7086% | 1,741 |
| Tier 1 risk-based capital ratio | 44.2729% | 177 |
| Total risk-based capital ratio | 45.5911% | 175 |
| Memoranda: | ||
| Average total assets | $447,714,500 | 1,497 |
| Average earning assets | $418,541,000 | 1,475 |
| Average equity | $55,988,000 | 1,304 |
| Average total loans | $107,284,000 | 3,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6341% | 7,017 |
| Cost of funding earning assets | 0.1440% | 6,930 |
| Net interest margin | 1.4902% | 6,994 |
| Noninterest income to average assets | 5.4157% | 131 |
| Noninterest expense to average assets | 4.6718% | 490 |
| Loan and lease loss provision to assets | 0.4392% | 1,445 |
| Net operating income to assets | 1.0178% | 2,265 |
| Return on assets (ROA) | 1.0026% | 2,549 |
| Pretax return on assets | 1.6782% | 1,188 |
| Return on Equity (ROE) | 8.3029% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.3029% | 1,028 |
| Net charge-offs to loans | 1.9821% | 367 |
| Credit loss provision to net charge-offs | 76.7036% | 3,938 |
| Earnings coverage of net charge-offs (x) | 3.7393% | 3,622 |
| Efficiency ratio | 68.5714% | 4,040 |
| Assets per employee ($millions) | 3.9293% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8237% | 9 |
| Loan loss allowance to noncurrent loans | 115.1499% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 3.2864% | 1,403 |
| Noncurrent loans to loans | 10.2681% | 221 |
| Net loans and leases to total assets | 22.3212% | 6,890 |
| Net loans and leases to deposits | 40.7613% | 6,515 |
| Net loans and leases to core deposits | 41.0166% | 6,579 |
| Total domestic deposits to total assets | 54.7607% | 7,002 |
| Equity capital to assets | 12.5373% | 1,681 |
| Core capital (leverage) ratio | 11.4461% | 1,913 |
| Tier 1 risk-based capital ratio | 33.2051% | 394 |
| Total risk-based capital ratio | 34.4904% | 384 |
| Memoranda: | ||
| Average total assets | $440,774,000 | 1,497 |
| Average earning assets | $413,312,200 | 1,459 |
| Average equity | $53,222,600 | 1,337 |
| Average total loans | $127,337,800 | 2,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6698% | 7,127 |
| Cost of funding earning assets | 0.1460% | 7,044 |
| Net interest margin | 1.5238% | 7,106 |
| Noninterest income to average assets | 5.4711% | 133 |
| Noninterest expense to average assets | 4.5909% | 509 |
| Loan and lease loss provision to assets | 0.5809% | 983 |
| Net operating income to assets | 1.0284% | 2,368 |
| Return on assets (ROA) | 1.0284% | 2,591 |
| Pretax return on assets | 1.7287% | 1,206 |
| Return on Equity (ROE) | 8.5988% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.5988% | 1,378 |
| Net charge-offs to loans | 0.2782% | 3,051 |
| Credit loss provision to net charge-offs | 701.0949% | 388 |
| Earnings coverage of net charge-offs (x) | 27.8762% | 1,166 |
| Efficiency ratio | 66.5308% | 4,348 |
| Assets per employee ($millions) | 4.1010% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7733% | 9 |
| Loan loss allowance to noncurrent loans | 102.0399% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 3.7563% | 1,314 |
| Noncurrent loans to loans | 12.5179% | 153 |
| Net loans and leases to total assets | 23.7547% | 6,973 |
| Net loans and leases to deposits | 44.8535% | 6,461 |
| Net loans and leases to core deposits | 45.4346% | 6,540 |
| Total domestic deposits to total assets | 52.9606% | 7,103 |
| Equity capital to assets | 12.2971% | 2,046 |
| Core capital (leverage) ratio | 11.6771% | 1,854 |
| Tier 1 risk-based capital ratio | 36.2598% | 321 |
| Total risk-based capital ratio | 37.5690% | 316 |
| Memoranda: | ||
| Average total assets | $440,947,500 | 1,508 |
| Average earning assets | $413,612,500 | 1,474 |
| Average equity | $52,734,750 | 1,361 |
| Average total loans | $131,321,500 | 2,895 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7011% | 7,196 |
| Cost of funding earning assets | 0.1546% | 7,108 |
| Net interest margin | 1.5466% | 7,174 |
| Noninterest income to average assets | 5.5681% | 126 |
| Noninterest expense to average assets | 4.6319% | 490 |
| Loan and lease loss provision to assets | 0.6954% | 793 |
| Net operating income to assets | 0.9853% | 2,528 |
| Return on assets (ROA) | 0.9853% | 2,759 |
| Pretax return on assets | 1.6907% | 1,284 |
| Return on Equity (ROE) | 8.3170% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.3170% | 1,513 |
| Net charge-offs to loans | 0.1750% | 3,550 |
| Credit loss provision to net charge-offs | 1,297.4576% | 249 |
| Earnings coverage of net charge-offs (x) | 44.5169% | 809 |
| Efficiency ratio | 66.0000% | 4,534 |
| Assets per employee ($millions) | 4.3395% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6473% | 12 |
| Loan loss allowance to noncurrent loans | 100.0594% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 3.6882% | 1,414 |
| Noncurrent loans to loans | 11.6403% | 184 |
| Net loans and leases to total assets | 25.2605% | 7,000 |
| Net loans and leases to deposits | 48.4183% | 6,288 |
| Net loans and leases to core deposits | 49.3525% | 6,377 |
| Total domestic deposits to total assets | 52.1713% | 7,174 |
| Equity capital to assets | 11.6810% | 2,427 |
| Core capital (leverage) ratio | 11.0412% | 2,260 |
| Tier 1 risk-based capital ratio | 32.5048% | 418 |
| Total risk-based capital ratio | 33.7562% | 411 |
| Memoranda: | ||
| Average total assets | $440,293,330 | 1,510 |
| Average earning assets | $412,781,000 | 1,473 |
| Average equity | $52,158,000 | 1,367 |
| Average total loans | $134,889,000 | 2,840 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6994% | 7,255 |
| Cost of funding earning assets | 0.1671% | 7,152 |
| Net interest margin | 1.5323% | 7,234 |
| Noninterest income to average assets | 5.7954% | 122 |
| Noninterest expense to average assets | 4.7062% | 457 |
| Loan and lease loss provision to assets | 0.7082% | 737 |
| Net operating income to assets | 1.0762% | 2,184 |
| Return on assets (ROA) | 1.0762% | 2,369 |
| Pretax return on assets | 1.8141% | 1,044 |
| Return on Equity (ROE) | 9.0189% | 2,821 |
| Retained earnings to average equity (ytd only) | 9.0189% | 1,588 |
| Net charge-offs to loans | -0.1778% | 6,964 |
| Credit loss provision to net charge-offs | -1,255.7377% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1062% | 4,720 |
| Assets per employee ($millions) | 4.3500% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2182% | 10 |
| Loan loss allowance to noncurrent loans | 91.8635% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 4.1574% | 1,314 |
| Noncurrent loans to loans | 12.2118% | 194 |
| Net loans and leases to total assets | 25.7658% | 7,046 |
| Net loans and leases to deposits | 49.7297% | 6,161 |
| Net loans and leases to core deposits | 51.0514% | 6,271 |
| Total domestic deposits to total assets | 51.8116% | 7,236 |
| Equity capital to assets | 11.6521% | 2,300 |
| Core capital (leverage) ratio | 11.6317% | 1,814 |
| Tier 1 risk-based capital ratio | 33.4263% | 380 |
| Total risk-based capital ratio | 34.7381% | 377 |
| Memoranda: | ||
| Average total assets | $432,617,500 | 1,542 |
| Average earning assets | $404,609,500 | 1,504 |
| Average equity | $51,625,000 | 1,371 |
| Average total loans | $137,198,000 | 2,822 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9768% | 7,288 |
| Cost of funding earning assets | 0.1824% | 7,253 |
| Net interest margin | 1.7944% | 7,259 |
| Noninterest income to average assets | 4.6447% | 135 |
| Noninterest expense to average assets | 4.3653% | 677 |
| Loan and lease loss provision to assets | 1.4421% | 529 |
| Net operating income to assets | 0.2970% | 5,272 |
| Return on assets (ROA) | 0.2761% | 5,497 |
| Pretax return on assets | 0.4643% | 5,094 |
| Return on Equity (ROE) | 2.5580% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.4573% | 4,470 |
| Net charge-offs to loans | 4.3695% | 117 |
| Credit loss provision to net charge-offs | 96.7620% | 3,722 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 4,803 |
| Efficiency ratio | 69.2424% | 4,103 |
| Assets per employee ($millions) | 4.0504% | 3,747 |
| Cash dividends to net income (ytd only)* | 3.9370% | 4,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5313% | 18 |
| Loan loss allowance to noncurrent loans | 93.2249% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 4.2125% | 1,336 |
| Noncurrent loans to loans | 10.2240% | 302 |
| Net loans and leases to total assets | 31.3063% | 6,961 |
| Net loans and leases to deposits | 60.7176% | 5,403 |
| Net loans and leases to core deposits | 62.1637% | 5,636 |
| Total domestic deposits to total assets | 51.5606% | 7,281 |
| Equity capital to assets | 12.2350% | 1,947 |
| Core capital (leverage) ratio | 11.2537% | 2,080 |
| Tier 1 risk-based capital ratio | 27.6035% | 653 |
| Total risk-based capital ratio | 28.8972% | 638 |
| Memoranda: | ||
| Average total assets | $460,009,400 | 1,426 |
| Average earning assets | $425,490,000 | 1,419 |
| Average equity | $49,648,200 | 1,375 |
| Average total loans | $156,905,200 | 2,542 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9867% | 7,370 |
| Cost of funding earning assets | 0.1797% | 7,345 |
| Net interest margin | 1.8070% | 7,331 |
| Noninterest income to average assets | 4.4337% | 141 |
| Noninterest expense to average assets | 4.3264% | 696 |
| Loan and lease loss provision to assets | 1.6638% | 383 |
| Net operating income to assets | 0.1112% | 5,938 |
| Return on assets (ROA) | 0.0691% | 6,141 |
| Pretax return on assets | 0.0697% | 6,140 |
| Return on Equity (ROE) | 0.6599% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.5247% | 5,797 |
| Net charge-offs to loans | 5.0328% | 95 |
| Credit loss provision to net charge-offs | 97.2356% | 3,522 |
| Earnings coverage of net charge-offs (x) | 1.0379% | 4,852 |
| Efficiency ratio | 70.8968% | 3,762 |
| Assets per employee ($millions) | 4.9296% | 2,283 |
| Cash dividends to net income (ytd only)* | 20.4930% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3069% | 17 |
| Loan loss allowance to noncurrent loans | 100.9499% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 3.2993% | 1,925 |
| Noncurrent loans to loans | 9.2193% | 411 |
| Net loans and leases to total assets | 26.5139% | 7,183 |
| Net loans and leases to deposits | 42.2280% | 6,901 |
| Net loans and leases to core deposits | 43.1769% | 6,944 |
| Total domestic deposits to total assets | 62.7875% | 7,264 |
| Equity capital to assets | 9.8507% | 4,549 |
| Core capital (leverage) ratio | 11.6357% | 1,931 |
| Tier 1 risk-based capital ratio | 26.0689% | 830 |
| Total risk-based capital ratio | 27.3538% | 801 |
| Memoranda: | ||
| Average total assets | $470,715,000 | 1,417 |
| Average earning assets | $434,674,500 | 1,403 |
| Average equity | $49,299,500 | 1,386 |
| Average total loans | $160,040,000 | 2,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0871% | 7,442 |
| Cost of funding earning assets | 0.1880% | 7,419 |
| Net interest margin | 1.8991% | 7,389 |
| Noninterest income to average assets | 4.6975% | 139 |
| Noninterest expense to average assets | 4.6260% | 524 |
| Loan and lease loss provision to assets | 2.3112% | 235 |
| Net operating income to assets | -0.2574% | 6,522 |
| Return on assets (ROA) | -0.2993% | 6,586 |
| Pretax return on assets | -0.5511% | 6,690 |
| Return on Equity (ROE) | -2.7966% | 6,577 |
| Retained earnings to average equity (ytd only) | -3.0004% | 6,374 |
| Net charge-offs to loans | 5.9070% | 90 |
| Credit loss provision to net charge-offs | 109.4195% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.8643% | 4,647 |
| Efficiency ratio | 71.7030% | 3,794 |
| Assets per employee ($millions) | 3.9379% | 3,897 |
| Cash dividends to net income (ytd only)* | -7.2886% | 7,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2269% | 20 |
| Loan loss allowance to noncurrent loans | 143.5803% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 3.1208% | 2,151 |
| Noncurrent loans to loans | 6.4263% | 875 |
| Net loans and leases to total assets | 34.6805% | 7,029 |
| Net loans and leases to deposits | 60.7145% | 5,648 |
| Net loans and leases to core deposits | 63.1455% | 5,799 |
| Total domestic deposits to total assets | 57.1206% | 7,397 |
| Equity capital to assets | 11.9837% | 2,102 |
| Core capital (leverage) ratio | 10.4374% | 2,776 |
| Tier 1 risk-based capital ratio | 23.6850% | 1,037 |
| Total risk-based capital ratio | 24.9770% | 1,020 |
| Memoranda: | ||
| Average total assets | $458,370,330 | 1,450 |
| Average earning assets | $423,362,000 | 1,443 |
| Average equity | $49,060,330 | 1,376 |
| Average total loans | $163,907,000 | 2,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9373% | 7,509 |
| Cost of funding earning assets | 0.1798% | 7,487 |
| Net interest margin | 1.7575% | 7,462 |
| Noninterest income to average assets | 4.5005% | 147 |
| Noninterest expense to average assets | 4.5793% | 548 |
| Loan and lease loss provision to assets | 3.7176% | 118 |
| Net operating income to assets | -1.2014% | 7,098 |
| Return on assets (ROA) | -1.2411% | 7,120 |
| Pretax return on assets | -2.2229% | 7,291 |
| Return on Equity (ROE) | -12.2157% | 7,080 |
| Retained earnings to average equity (ytd only) | -12.2157% | 6,949 |
| Net charge-offs to loans | 11.7857% | 25 |
| Credit loss provision to net charge-offs | 90.8483% | 2,933 |
| Earnings coverage of net charge-offs (x) | 0.3804% | 4,335 |
| Efficiency ratio | 74.6287% | 3,403 |
| Assets per employee ($millions) | 4.5709% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4688% | 32 |
| Loan loss allowance to noncurrent loans | 139.5709% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 2.6631% | 2,579 |
| Noncurrent loans to loans | 6.0677% | 1,039 |
| Net loans and leases to total assets | 31.0605% | 7,203 |
| Net loans and leases to deposits | 53.1526% | 6,371 |
| Net loans and leases to core deposits | 54.8515% | 6,496 |
| Total domestic deposits to total assets | 58.4365% | 7,446 |
| Equity capital to assets | 10.2604% | 3,459 |
| Core capital (leverage) ratio | 9.8758% | 3,306 |
| Tier 1 risk-based capital ratio | 24.3283% | 943 |
| Total risk-based capital ratio | 25.6493% | 916 |
| Memoranda: | ||
| Average total assets | $482,786,000 | 1,400 |
| Average earning assets | $449,282,500 | 1,377 |
| Average equity | $49,051,500 | 1,359 |
| Average total loans | $167,627,000 | 2,465 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5118% | 7,542 |
| Cost of funding earning assets | 0.1889% | 7,555 |
| Net interest margin | 2.3230% | 7,355 |
| Noninterest income to average assets | 5.4917% | 125 |
| Noninterest expense to average assets | 5.1584% | 378 |
| Loan and lease loss provision to assets | 1.7773% | 782 |
| Net operating income to assets | 0.5299% | 3,964 |
| Return on assets (ROA) | 0.4181% | 4,598 |
| Pretax return on assets | 0.5563% | 4,460 |
| Return on Equity (ROE) | 3.7090% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.7090% | 3,267 |
| Net charge-offs to loans | 1.0663% | 2,076 |
| Credit loss provision to net charge-offs | 386.5337% | 640 |
| Earnings coverage of net charge-offs (x) | 5.3995% | 2,635 |
| Efficiency ratio | 67.5090% | 4,666 |
| Assets per employee ($millions) | 4.8036% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9674% | 44 |
| Loan loss allowance to noncurrent loans | 104.1024% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 3.4361% | 2,034 |
| Noncurrent loans to loans | 7.6534% | 695 |
| Net loans and leases to total assets | 32.6431% | 7,271 |
| Net loans and leases to deposits | 48.3389% | 6,934 |
| Net loans and leases to core deposits | 49.6770% | 6,993 |
| Total domestic deposits to total assets | 67.5297% | 7,340 |
| Equity capital to assets | 10.0646% | 3,669 |
| Core capital (leverage) ratio | 9.8812% | 3,230 |
| Tier 1 risk-based capital ratio | 21.8210% | 1,201 |
| Total risk-based capital ratio | 23.1019% | 1,174 |
| Memoranda: | ||
| Average total assets | $436,061,600 | 1,531 |
| Average earning assets | $403,491,600 | 1,505 |
| Average equity | $49,151,000 | 1,361 |
| Average total loans | $188,034,600 | 2,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6227% | 7,667 |
| Cost of funding earning assets | 0.1877% | 7,678 |
| Net interest margin | 2.4350% | 7,415 |
| Noninterest income to average assets | 5.5419% | 124 |
| Noninterest expense to average assets | 5.4283% | 284 |
| Loan and lease loss provision to assets | 1.0394% | 1,424 |
| Net operating income to assets | 0.8820% | 2,689 |
| Return on assets (ROA) | 0.7654% | 3,309 |
| Pretax return on assets | 1.1501% | 2,669 |
| Return on Equity (ROE) | 6.5836% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.5836% | 2,051 |
| Net charge-offs to loans | 1.4032% | 1,450 |
| Credit loss provision to net charge-offs | 163.2704% | 2,303 |
| Earnings coverage of net charge-offs (x) | 3.7127% | 3,326 |
| Efficiency ratio | 69.6662% | 4,140 |
| Assets per employee ($millions) | 4.1324% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8540% | 196 |
| Loan loss allowance to noncurrent loans | 404.9830% | 736 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 4,365 |
| Noncurrent loans to loans | 1.1986% | 4,844 |
| Net loans and leases to total assets | 41.7633% | 6,991 |
| Net loans and leases to deposits | 69.8529% | 5,170 |
| Net loans and leases to core deposits | 72.5747% | 5,450 |
| Total domestic deposits to total assets | 59.7875% | 7,596 |
| Equity capital to assets | 11.2886% | 2,711 |
| Core capital (leverage) ratio | 10.7772% | 2,441 |
| Tier 1 risk-based capital ratio | 21.2223% | 1,325 |
| Total risk-based capital ratio | 22.4624% | 1,302 |
| Memoranda: | ||
| Average total assets | $421,384,000 | 1,599 |
| Average earning assets | $389,363,750 | 1,571 |
| Average equity | $48,989,500 | 1,371 |
| Average total loans | $191,170,500 | 2,276 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6258% | 7,743 |
| Cost of funding earning assets | 0.1796% | 7,752 |
| Net interest margin | 2.4463% | 7,446 |
| Noninterest income to average assets | 5.5854% | 121 |
| Noninterest expense to average assets | 5.5365% | 271 |
| Loan and lease loss provision to assets | 1.0749% | 1,341 |
| Net operating income to assets | 0.8236% | 2,853 |
| Return on assets (ROA) | 0.6938% | 3,583 |
| Pretax return on assets | 1.0429% | 2,964 |
| Return on Equity (ROE) | 5.9062% | 3,846 |
| Retained earnings to average equity (ytd only) | 5.9062% | 2,386 |
| Net charge-offs to loans | 1.0697% | 1,759 |
| Credit loss provision to net charge-offs | 218.9349% | 1,778 |
| Earnings coverage of net charge-offs (x) | 4.7081% | 2,872 |
| Efficiency ratio | 70.5472% | 4,074 |
| Assets per employee ($millions) | 4.8936% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9559% | 175 |
| Loan loss allowance to noncurrent loans | 182.9136% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 1.8971% | 3,625 |
| Noncurrent loans to loans | 2.7094% | 2,944 |
| Net loans and leases to total assets | 37.3768% | 7,296 |
| Net loans and leases to deposits | 64.7358% | 5,947 |
| Net loans and leases to core deposits | 66.0342% | 6,244 |
| Total domestic deposits to total assets | 57.7374% | 7,689 |
| Equity capital to assets | 10.1945% | 3,773 |
| Core capital (leverage) ratio | 11.3838% | 1,980 |
| Tier 1 risk-based capital ratio | 20.5722% | 1,415 |
| Total risk-based capital ratio | 21.8340% | 1,383 |
| Memoranda: | ||
| Average total assets | $413,078,330 | 1,646 |
| Average earning assets | $382,050,670 | 1,619 |
| Average equity | $48,525,670 | 1,382 |
| Average total loans | $189,594,330 | 2,317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8494% | 7,829 |
| Cost of funding earning assets | 0.1761% | 7,859 |
| Net interest margin | 2.6733% | 7,324 |
| Noninterest income to average assets | 6.1911% | 114 |
| Noninterest expense to average assets | 5.9091% | 227 |
| Loan and lease loss provision to assets | 1.5348% | 760 |
| Net operating income to assets | 0.7971% | 2,975 |
| Return on assets (ROA) | 0.6222% | 3,930 |
| Pretax return on assets | 0.9444% | 3,293 |
| Return on Equity (ROE) | 4.8821% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.8821% | 3,217 |
| Net charge-offs to loans | -0.1163% | 7,551 |
| Credit loss provision to net charge-offs | -2,632.7273% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2876% | 4,661 |
| Assets per employee ($millions) | 4.0955% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1524% | 158 |
| Loan loss allowance to noncurrent loans | 178.1416% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 2.3659% | 3,066 |
| Noncurrent loans to loans | 2.8923% | 2,790 |
| Net loans and leases to total assets | 44.6680% | 6,938 |
| Net loans and leases to deposits | 86.7697% | 2,458 |
| Net loans and leases to core deposits | 87.1175% | 3,733 |
| Total domestic deposits to total assets | 51.4788% | 7,829 |
| Equity capital to assets | 12.0737% | 2,002 |
| Core capital (leverage) ratio | 12.1157% | 1,588 |
| Tier 1 risk-based capital ratio | 20.3731% | 1,450 |
| Total risk-based capital ratio | 21.6185% | 1,415 |
| Memoranda: | ||
| Average total assets | $377,383,000 | 1,818 |
| Average earning assets | $347,587,000 | 1,799 |
| Average equity | $48,094,000 | 1,399 |
| Average total loans | $189,131,000 | 2,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8562% | 7,894 |
| Cost of funding earning assets | 0.1775% | 7,949 |
| Net interest margin | 2.6787% | 7,239 |
| Noninterest income to average assets | 6.3677% | 113 |
| Noninterest expense to average assets | 5.6023% | 368 |
| Loan and lease loss provision to assets | 2.6390% | 733 |
| Net operating income to assets | 0.5230% | 3,638 |
| Return on assets (ROA) | 0.2790% | 4,704 |
| Pretax return on assets | 0.3131% | 4,727 |
| Return on Equity (ROE) | 2.2667% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.2667% | 3,529 |
| Net charge-offs to loans | 4.2819% | 355 |
| Credit loss provision to net charge-offs | 125.0060% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.5282% | 4,602 |
| Efficiency ratio | 63.4567% | 5,881 |
| Assets per employee ($millions) | 3.9708% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3521% | 280 |
| Loan loss allowance to noncurrent loans | 99.1453% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 3.4516% | 1,948 |
| Noncurrent loans to loans | 4.3896% | 1,631 |
| Net loans and leases to total assets | 51.2180% | 6,510 |
| Net loans and leases to deposits | 111.6404% | 328 |
| Net loans and leases to core deposits | 111.9857% | 2,697 |
| Total domestic deposits to total assets | 45.8777% | 7,923 |
| Equity capital to assets | 13.5055% | 1,319 |
| Core capital (leverage) ratio | 11.6971% | 1,814 |
| Tier 1 risk-based capital ratio | 19.0658% | 1,640 |
| Total risk-based capital ratio | 20.2567% | 1,619 |
| Memoranda: | ||
| Average total assets | $392,499,000 | 1,751 |
| Average earning assets | $360,588,000 | 1,739 |
| Average equity | $48,307,400 | 1,391 |
| Average total loans | $193,514,000 | 2,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8067% | 7,995 |
| Cost of funding earning assets | 0.1727% | 8,038 |
| Net interest margin | 2.6340% | 7,312 |
| Noninterest income to average assets | 6.3852% | 118 |
| Noninterest expense to average assets | 5.7777% | 334 |
| Loan and lease loss provision to assets | 1.4643% | 1,312 |
| Net operating income to assets | 0.9915% | 2,092 |
| Return on assets (ROA) | 0.9552% | 2,273 |
| Pretax return on assets | 1.5024% | 1,410 |
| Return on Equity (ROE) | 7.9307% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.9307% | 1,157 |
| Net charge-offs to loans | 2.9320% | 582 |
| Credit loss provision to net charge-offs | 103.2484% | 4,932 |
| Earnings coverage of net charge-offs (x) | 2.1318% | 4,223 |
| Efficiency ratio | 65.6474% | 5,430 |
| Assets per employee ($millions) | 4.6180% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3262% | 491 |
| Loan loss allowance to noncurrent loans | 42.7699% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 4.2383% | 1,479 |
| Noncurrent loans to loans | 7.7771% | 647 |
| Net loans and leases to total assets | 43.5917% | 7,271 |
| Net loans and leases to deposits | 91.2314% | 2,356 |
| Net loans and leases to core deposits | 91.6881% | 5,259 |
| Total domestic deposits to total assets | 47.7814% | 7,992 |
| Equity capital to assets | 11.8484% | 2,322 |
| Core capital (leverage) ratio | 12.8937% | 1,411 |
| Tier 1 risk-based capital ratio | 17.4357% | 2,134 |
| Total risk-based capital ratio | 18.6649% | 2,100 |
| Memoranda: | ||
| Average total assets | $402,272,500 | 1,719 |
| Average earning assets | $368,960,000 | 1,715 |
| Average equity | $48,452,000 | 1,409 |
| Average total loans | $194,581,750 | 2,377 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8756% | 8,084 |
| Cost of funding earning assets | 0.1801% | 8,131 |
| Net interest margin | 2.6955% | 7,210 |
| Noninterest income to average assets | 6.6241% | 106 |
| Noninterest expense to average assets | 6.0669% | 313 |
| Loan and lease loss provision to assets | 1.2567% | 1,362 |
| Net operating income to assets | 1.0676% | 1,882 |
| Return on assets (ROA) | 1.0124% | 2,155 |
| Pretax return on assets | 1.6993% | 1,020 |
| Return on Equity (ROE) | 8.3574% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.3574% | 1,102 |
| Net charge-offs to loans | 3.2902% | 487 |
| Credit loss provision to net charge-offs | 77.1137% | 5,277 |
| Earnings coverage of net charge-offs (x) | 1.8668% | 4,171 |
| Efficiency ratio | 66.6020% | 5,437 |
| Assets per employee ($millions) | 4.2725% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7773% | 693 |
| Loan loss allowance to noncurrent loans | 39.9132% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 3.4280% | 1,823 |
| Noncurrent loans to loans | 6.9583% | 708 |
| Net loans and leases to total assets | 47.7945% | 7,051 |
| Net loans and leases to deposits | 105.1423% | 820 |
| Net loans and leases to core deposits | 105.8101% | 3,858 |
| Total domestic deposits to total assets | 45.4570% | 8,081 |
| Equity capital to assets | 12.3165% | 2,021 |
| Core capital (leverage) ratio | 13.8016% | 1,192 |
| Tier 1 risk-based capital ratio | 18.3287% | 1,927 |
| Total risk-based capital ratio | 19.5801% | 1,873 |
| Memoranda: | ||
| Average total assets | $396,283,000 | 1,777 |
| Average earning assets | $365,351,000 | 1,758 |
| Average equity | $48,005,330 | 1,434 |
| Average total loans | $196,278,000 | 2,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9435% | 8,145 |
| Cost of funding earning assets | 0.2014% | 8,180 |
| Net interest margin | 2.7421% | 7,112 |
| Noninterest income to average assets | 6.5849% | 104 |
| Noninterest expense to average assets | 6.3585% | 256 |
| Loan and lease loss provision to assets | 0.9784% | 1,326 |
| Net operating income to assets | 1.1543% | 1,790 |
| Return on assets (ROA) | 1.1543% | 1,911 |
| Pretax return on assets | 1.7941% | 987 |
| Return on Equity (ROE) | 9.6091% | 2,490 |
| Retained earnings to average equity (ytd only) | 9.6091% | 1,311 |
| Net charge-offs to loans | 0.0386% | 4,965 |
| Credit loss provision to net charge-offs | 5,094.7368% | 144 |
| Earnings coverage of net charge-offs (x) | 144.3684% | 306 |
| Efficiency ratio | 69.6369% | 4,652 |
| Assets per employee ($millions) | 3.8369% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5568% | 311 |
| Loan loss allowance to noncurrent loans | 54.1571% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 3.9168% | 1,328 |
| Noncurrent loans to loans | 6.5676% | 661 |
| Net loans and leases to total assets | 55.2379% | 6,334 |
| Net loans and leases to deposits | 93.8868% | 2,288 |
| Net loans and leases to core deposits | 94.4339% | 5,122 |
| Total domestic deposits to total assets | 58.8345% | 7,993 |
| Equity capital to assets | 13.7545% | 1,437 |
| Core capital (leverage) ratio | 12.0666% | 1,871 |
| Tier 1 risk-based capital ratio | 19.0432% | 1,804 |
| Total risk-based capital ratio | 20.2678% | 1,768 |
| Memoranda: | ||
| Average total assets | $395,752,000 | 1,780 |
| Average earning assets | $367,454,000 | 1,757 |
| Average equity | $47,538,500 | 1,449 |
| Average total loans | $196,750,000 | 2,402 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 8,109 |
| Cost of funding earning assets | 1.2546% | 7,886 |
| Net interest margin | 2.6647% | 7,555 |
| Noninterest income to average assets | 5.2823% | 122 |
| Noninterest expense to average assets | 5.6036% | 479 |
| Loan and lease loss provision to assets | 0.3561% | 3,550 |
| Net operating income to assets | 1.1550% | 1,924 |
| Return on assets (ROA) | 1.1550% | 1,850 |
| Pretax return on assets | 1.7784% | 984 |
| Return on Equity (ROE) | 10.6620% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.6620% | 367 |
| Net charge-offs to loans | 0.0851% | 5,544 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 59.9392% | 669 |
| Efficiency ratio | 72.2379% | 3,890 |
| Assets per employee ($millions) | 4.9702% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1852% | 373 |
| Loan loss allowance to noncurrent loans | 64.6393% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.3583% | 2,059 |
| Noncurrent loans to loans | 4.9277% | 907 |
| Net loans and leases to total assets | 42.3549% | 7,568 |
| Net loans and leases to deposits | 143.5704% | 95 |
| Net loans and leases to core deposits | 145.6350% | 1,025 |
| Total domestic deposits to total assets | 29.5012% | 8,217 |
| Equity capital to assets | 10.6369% | 3,356 |
| Core capital (leverage) ratio | 11.5057% | 2,248 |
| Tier 1 risk-based capital ratio | 17.0306% | 2,301 |
| Total risk-based capital ratio | 18.2927% | 2,253 |
| Memoranda: | ||
| Average total assets | $415,593,600 | 1,640 |
| Average earning assets | $383,000,600 | 1,626 |
| Average equity | $45,019,600 | 1,501 |
| Average total loans | $173,846,800 | 2,571 |