Home > California Bank of Commerce > Performance and Condition Ratios
California Bank of Commerce, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2907% | 835 |
| Cost of funding earning assets | 1.4589% | 3,305 |
| Net interest margin | 4.8318% | 389 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.4791% | 2,363 |
| Loan and lease loss provision to assets | -0.3800% | 4,409 |
| Net operating income to assets | 1.7880% | 648 |
| Return on assets (ROA) | 1.7880% | 646 |
| Pretax return on assets | 2.5119% | 311 |
| Return on Equity (ROE) | 12.1900% | 1,701 |
| Retained earnings to average equity (ytd only) | 12.1948% | 761 |
| Net charge-offs to loans | 0.1980% | 545 |
| Credit loss provision to net charge-offs | -204.8638% | 4,399 |
| Earnings coverage of net charge-offs (x) | 13.8658% | 1,585 |
| Efficiency ratio | 51.7605% | 3,774 |
| Assets per employee ($millions) | 13.6819% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,035 |
| Loan loss allowance to noncurrent loans | 200.8192% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 1,112 |
| Noncurrent loans to loans | 0.7427% | 1,396 |
| Net loans and leases to total assets | 76.0400% | 1,082 |
| Net loans and leases to deposits | 90.5019% | 1,065 |
| Net loans and leases to core deposits | 95.7565% | 1,649 |
| Total domestic deposits to total assets | 84.0200% | 2,896 |
| Equity capital to assets | 15.0107% | 562 |
| Core capital (leverage) ratio | 12.1524% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4204% | 1,711 |
| Memoranda: | ||
| Average total assets | $4,006,004,500 | 342 |
| Average earning assets | $3,613,202,000 | 342 |
| Average equity | $587,363,500 | 266 |
| Average total loans | $3,114,872,500 | 317 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4456% | 772 |
| Cost of funding earning assets | 1.9310% | 2,385 |
| Net interest margin | 4.5146% | 632 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 3.1715% | 908 |
| Loan and lease loss provision to assets | 0.7100% | 126 |
| Net operating income to assets | 0.2559% | 3,907 |
| Return on assets (ROA) | 0.2559% | 3,933 |
| Pretax return on assets | 0.3831% | 3,822 |
| Return on Equity (ROE) | 1.9100% | 3,999 |
| Retained earnings to average equity (ytd only) | 1.9112% | 3,411 |
| Net charge-offs to loans | 0.1141% | 1,079 |
| Credit loss provision to net charge-offs | 705.7484% | 495 |
| Earnings coverage of net charge-offs (x) | 12.0889% | 2,173 |
| Efficiency ratio | 73.0269% | 1,658 |
| Assets per employee ($millions) | 13.9466% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 798 |
| Loan loss allowance to noncurrent loans | 190.4654% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 974 |
| Noncurrent loans to loans | 0.8407% | 1,186 |
| Net loans and leases to total assets | 77.0600% | 1,009 |
| Net loans and leases to deposits | 91.2705% | 1,106 |
| Net loans and leases to core deposits | 99.1712% | 1,497 |
| Total domestic deposits to total assets | 84.4300% | 2,679 |
| Equity capital to assets | 14.3177% | 639 |
| Core capital (leverage) ratio | 11.1473% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5492% | 2,031 |
| Memoranda: | ||
| Average total assets | $3,066,494,800 | 399 |
| Average earning assets | $2,789,452,200 | 392 |
| Average equity | $410,572,200 | 331 |
| Average total loans | $2,425,047,800 | 364 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0677% | 1,169 |
| Cost of funding earning assets | 1.9273% | 2,395 |
| Net interest margin | 4.1404% | 969 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 3.3615% | 677 |
| Loan and lease loss provision to assets | 1.2000% | 55 |
| Net operating income to assets | -0.4647% | 4,377 |
| Return on assets (ROA) | -0.4647% | 4,400 |
| Pretax return on assets | -0.6137% | 4,415 |
| Return on Equity (ROE) | -3.5600% | 4,356 |
| Retained earnings to average equity (ytd only) | -3.5589% | 4,286 |
| Net charge-offs to loans | 0.1558% | 722 |
| Credit loss provision to net charge-offs | 854.4656% | 438 |
| Earnings coverage of net charge-offs (x) | 4.7786% | 2,417 |
| Efficiency ratio | 84.0776% | 813 |
| Assets per employee ($millions) | 13.3815% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 725 |
| Loan loss allowance to noncurrent loans | 208.3898% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 1,045 |
| Noncurrent loans to loans | 0.7948% | 1,252 |
| Net loans and leases to total assets | 72.8900% | 1,498 |
| Net loans and leases to deposits | 84.8983% | 1,743 |
| Net loans and leases to core deposits | 97.1275% | 1,687 |
| Total domestic deposits to total assets | 85.8600% | 1,982 |
| Equity capital to assets | 12.8971% | 993 |
| Core capital (leverage) ratio | 12.4106% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5316% | 2,398 |
| Memoranda: | ||
| Average total assets | $2,825,476,250 | 429 |
| Average earning assets | $2,576,194,750 | 425 |
| Average equity | $368,944,500 | 352 |
| Average total loans | $2,242,223,500 | 386 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9131% | 1,289 |
| Cost of funding earning assets | 1.9740% | 2,185 |
| Net interest margin | 3.9390% | 1,201 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.9182% | 1,220 |
| Loan and lease loss provision to assets | 0.2200% | 493 |
| Net operating income to assets | 0.4895% | 3,454 |
| Return on assets (ROA) | 0.4895% | 3,489 |
| Pretax return on assets | 0.7187% | 3,189 |
| Return on Equity (ROE) | 3.7200% | 3,778 |
| Retained earnings to average equity (ytd only) | 3.7203% | 2,818 |
| Net charge-offs to loans | 0.1524% | 664 |
| Credit loss provision to net charge-offs | 183.6651% | 1,085 |
| Earnings coverage of net charge-offs (x) | 7.4626% | 2,101 |
| Efficiency ratio | 75.3457% | 1,517 |
| Assets per employee ($millions) | 12.3873% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 1,922 |
| Loan loss allowance to noncurrent loans | 506.4509% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,374 |
| Noncurrent loans to loans | 0.2492% | 2,481 |
| Net loans and leases to total assets | 81.2000% | 556 |
| Net loans and leases to deposits | 95.9846% | 799 |
| Net loans and leases to core deposits | 109.2306% | 1,002 |
| Total domestic deposits to total assets | 84.6000% | 2,433 |
| Equity capital to assets | 13.3682% | 793 |
| Core capital (leverage) ratio | 12.1582% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3412% | 1,763 |
| Memoranda: | ||
| Average total assets | $2,313,176,333 | 511 |
| Average earning assets | $2,134,699,667 | 507 |
| Average equity | $304,385,333 | 407 |
| Average total loans | $1,911,825,000 | 440 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 1,279 |
| Cost of funding earning assets | 1.9578% | 2,100 |
| Net interest margin | 3.8722% | 1,264 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.5624% | 2,077 |
| Loan and lease loss provision to assets | -0.0600% | 4,366 |
| Net operating income to assets | 0.8930% | 2,250 |
| Return on assets (ROA) | 0.8930% | 2,267 |
| Pretax return on assets | 1.3121% | 1,612 |
| Return on Equity (ROE) | 6.8400% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.8398% | 1,876 |
| Net charge-offs to loans | 0.0002% | 2,232 |
| Credit loss provision to net charge-offs | -31,400.0000% | 4,593 |
| Earnings coverage of net charge-offs (x) | 7,292.0000% | 4 |
| Efficiency ratio | 66.8290% | 2,511 |
| Assets per employee ($millions) | 11.6768% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,383 |
| Loan loss allowance to noncurrent loans | 361.6772% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 704 |
| Noncurrent loans to loans | 0.3262% | 2,154 |
| Net loans and leases to total assets | 81.4400% | 475 |
| Net loans and leases to deposits | 96.3383% | 694 |
| Net loans and leases to core deposits | 109.9627% | 937 |
| Total domestic deposits to total assets | 84.5300% | 2,561 |
| Equity capital to assets | 13.3419% | 785 |
| Core capital (leverage) ratio | 12.0261% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1243% | 1,828 |
| Memoranda: | ||
| Average total assets | $2,323,937,000 | 516 |
| Average earning assets | $2,145,032,000 | 507 |
| Average equity | $303,401,500 | 413 |
| Average total loans | $1,925,438,000 | 438 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 867 |
| Cost of funding earning assets | 1.3214% | 2,456 |
| Net interest margin | 4.4465% | 662 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.5602% | 2,126 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1989% | 1,653 |
| Return on assets (ROA) | 1.1657% | 1,714 |
| Pretax return on assets | 1.6602% | 1,135 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.6712% | 1,340 |
| Net charge-offs to loans | 0.0670% | 1,178 |
| Credit loss provision to net charge-offs | 134.3944% | 1,562 |
| Earnings coverage of net charge-offs (x) | 31.3020% | 1,608 |
| Efficiency ratio | 59.1207% | 3,176 |
| Assets per employee ($millions) | 11.5649% | 465 |
| Cash dividends to net income (ytd only)* | 7.4126% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,557 |
| Loan loss allowance to noncurrent loans | 173.5543% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 1,015 |
| Noncurrent loans to loans | 0.6619% | 1,186 |
| Net loans and leases to total assets | 82.3200% | 400 |
| Net loans and leases to deposits | 99.7473% | 548 |
| Net loans and leases to core deposits | 113.1336% | 838 |
| Total domestic deposits to total assets | 82.5300% | 3,011 |
| Equity capital to assets | 12.7777% | 912 |
| Core capital (leverage) ratio | 11.6504% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5098% | 2,062 |
| Memoranda: | ||
| Average total assets | $2,314,637,000 | 499 |
| Average earning assets | $2,141,546,600 | 493 |
| Average equity | $288,092,800 | 412 |
| Average total loans | $1,923,175,800 | 419 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 799 |
| Cost of funding earning assets | 1.1614% | 2,558 |
| Net interest margin | 4.5302% | 589 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.5482% | 2,092 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2901% | 1,567 |
| Return on assets (ROA) | 1.2917% | 1,551 |
| Pretax return on assets | 1.8383% | 946 |
| Return on Equity (ROE) | 10.4500% | 2,518 |
| Retained earnings to average equity (ytd only) | 10.4491% | 1,278 |
| Net charge-offs to loans | 0.0015% | 2,550 |
| Credit loss provision to net charge-offs | 2,857.1429% | 163 |
| Earnings coverage of net charge-offs (x) | 1,515.0476% | 97 |
| Efficiency ratio | 57.6424% | 3,251 |
| Assets per employee ($millions) | 11.3253% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,504 |
| Loan loss allowance to noncurrent loans | 159.0877% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 954 |
| Noncurrent loans to loans | 0.7374% | 1,119 |
| Net loans and leases to total assets | 82.3800% | 408 |
| Net loans and leases to deposits | 96.3368% | 732 |
| Net loans and leases to core deposits | 105.5741% | 1,041 |
| Total domestic deposits to total assets | 85.5100% | 2,345 |
| Equity capital to assets | 12.6474% | 881 |
| Core capital (leverage) ratio | 11.6872% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2764% | 2,171 |
| Memoranda: | ||
| Average total assets | $2,303,488,500 | 506 |
| Average earning assets | $2,130,612,750 | 494 |
| Average equity | $284,752,250 | 415 |
| Average total loans | $1,912,772,000 | 422 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 733 |
| Cost of funding earning assets | 0.9985% | 2,608 |
| Net interest margin | 4.5993% | 529 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.5550% | 2,049 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3471% | 1,460 |
| Return on assets (ROA) | 1.3494% | 1,442 |
| Pretax return on assets | 1.9143% | 844 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 11.0017% | 1,185 |
| Net charge-offs to loans | 0.0023% | 2,278 |
| Credit loss provision to net charge-offs | 1,809.0909% | 282 |
| Earnings coverage of net charge-offs (x) | 1,006.5000% | 147 |
| Efficiency ratio | 56.6457% | 3,339 |
| Assets per employee ($millions) | 11.0762% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,563 |
| Loan loss allowance to noncurrent loans | 56,255.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,890 |
| Noncurrent loans to loans | 0.0021% | 3,820 |
| Net loans and leases to total assets | 81.7300% | 454 |
| Net loans and leases to deposits | 95.4150% | 766 |
| Net loans and leases to core deposits | 104.2333% | 1,044 |
| Total domestic deposits to total assets | 85.6500% | 2,348 |
| Equity capital to assets | 12.4657% | 936 |
| Core capital (leverage) ratio | 11.4740% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9770% | 2,307 |
| Memoranda: | ||
| Average total assets | $2,297,420,000 | 493 |
| Average earning assets | $2,124,711,667 | 485 |
| Average equity | $281,791,667 | 406 |
| Average total loans | $1,905,241,333 | 407 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5155% | 607 |
| Cost of funding earning assets | 0.7640% | 2,859 |
| Net interest margin | 4.7515% | 408 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6066% | 1,937 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4824% | 1,218 |
| Return on assets (ROA) | 1.4824% | 1,196 |
| Pretax return on assets | 2.0304% | 732 |
| Return on Equity (ROE) | 12.1900% | 2,169 |
| Retained earnings to average equity (ytd only) | 12.1867% | 1,234 |
| Net charge-offs to loans | 0.0027% | 1,925 |
| Credit loss provision to net charge-offs | 2,138.4615% | 190 |
| Earnings coverage of net charge-offs (x) | 909.1538% | 117 |
| Efficiency ratio | 55.4483% | 3,463 |
| Assets per employee ($millions) | 11.1378% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,650 |
| Loan loss allowance to noncurrent loans | 2,239,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,957 |
| Noncurrent loans to loans | 0.0001% | 3,887 |
| Net loans and leases to total assets | 81.6000% | 406 |
| Net loans and leases to deposits | 94.1369% | 781 |
| Net loans and leases to core deposits | 102.1163% | 997 |
| Total domestic deposits to total assets | 86.6800% | 2,378 |
| Equity capital to assets | 12.2947% | 919 |
| Core capital (leverage) ratio | 11.1525% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6126% | 2,532 |
| Memoranda: | ||
| Average total assets | $2,288,663,000 | 508 |
| Average earning assets | $2,118,334,500 | 495 |
| Average equity | $278,401,000 | 419 |
| Average total loans | $1,900,654,500 | 416 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 840 |
| Cost of funding earning assets | 0.2189% | 3,606 |
| Net interest margin | 4.2027% | 534 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.7628% | 1,406 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.7929% | 3,349 |
| Return on assets (ROA) | 0.7587% | 3,397 |
| Pretax return on assets | 1.0372% | 2,955 |
| Return on Equity (ROE) | 6.5700% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.4346% | 2,861 |
| Net charge-offs to loans | 0.0005% | 2,594 |
| Credit loss provision to net charge-offs | 68,125.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,779.5000% | 36 |
| Efficiency ratio | 67.2307% | 2,055 |
| Assets per employee ($millions) | 11.4147% | 458 |
| Cash dividends to net income (ytd only)* | 17.2384% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 3,780 |
| Loan loss allowance to noncurrent loans | 41,704.8780% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,934 |
| Noncurrent loans to loans | 0.0022% | 3,872 |
| Net loans and leases to total assets | 82.7800% | 345 |
| Net loans and leases to deposits | 97.6548% | 542 |
| Net loans and leases to core deposits | 103.2750% | 846 |
| Total domestic deposits to total assets | 84.7600% | 3,047 |
| Equity capital to assets | 12.0334% | 921 |
| Core capital (leverage) ratio | 10.6194% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9727% | 2,745 |
| Memoranda: | ||
| Average total assets | $2,293,789,800 | 492 |
| Average earning assets | $2,116,300,200 | 486 |
| Average equity | $265,024,600 | 424 |
| Average total loans | $1,732,664,400 | 422 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 1,025 |
| Cost of funding earning assets | 0.1280% | 4,049 |
| Net interest margin | 3.9943% | 645 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.9169% | 1,024 |
| Loan and lease loss provision to assets | 0.2800% | 264 |
| Net operating income to assets | 0.5037% | 4,066 |
| Return on assets (ROA) | 0.5037% | 4,014 |
| Pretax return on assets | 0.6876% | 3,826 |
| Return on Equity (ROE) | 4.4100% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.8819% | 3,803 |
| Net charge-offs to loans | 0.0017% | 2,245 |
| Credit loss provision to net charge-offs | 22,857.1429% | 27 |
| Earnings coverage of net charge-offs (x) | 792.5714% | 206 |
| Efficiency ratio | 74.6703% | 1,213 |
| Assets per employee ($millions) | 11.4939% | 448 |
| Cash dividends to net income (ytd only)* | 34.5781% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 3,892 |
| Loan loss allowance to noncurrent loans | 34,241.6667% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,008 |
| Noncurrent loans to loans | 0.0026% | 3,951 |
| Net loans and leases to total assets | 79.3300% | 590 |
| Net loans and leases to deposits | 90.5622% | 856 |
| Net loans and leases to core deposits | 94.4463% | 1,067 |
| Total domestic deposits to total assets | 87.6000% | 2,558 |
| Equity capital to assets | 11.4113% | 1,033 |
| Core capital (leverage) ratio | 10.1357% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7681% | 2,879 |
| Memoranda: | ||
| Average total assets | $2,296,503,750 | 491 |
| Average earning assets | $2,116,290,250 | 484 |
| Average equity | $262,602,250 | 430 |
| Average total loans | $1,689,130,500 | 428 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 1,314 |
| Cost of funding earning assets | 0.0688% | 4,467 |
| Net interest margin | 3.7323% | 866 |
| Noninterest income to average assets | 0.2730% | 3,532 |
| Noninterest expense to average assets | 3.2218% | 605 |
| Loan and lease loss provision to assets | 0.3054% | 216 |
| Net operating income to assets | 0.1317% | 4,489 |
| Return on assets (ROA) | 0.1317% | 4,455 |
| Pretax return on assets | 0.1791% | 4,430 |
| Return on Equity (ROE) | 1.1508% | 4,446 |
| Retained earnings to average equity (ytd only) | -1.1370% | 4,307 |
| Net charge-offs to loans | 0.0026% | 1,999 |
| Credit loss provision to net charge-offs | 16,666.6667% | 31 |
| Earnings coverage of net charge-offs (x) | 264.3810% | 445 |
| Efficiency ratio | 86.4593% | 562 |
| Assets per employee ($millions) | 11.7132% | 405 |
| Cash dividends to net income (ytd only)* | 198.8072% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,078 |
| Loan loss allowance to noncurrent loans | 2,310.8397% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,699 |
| Noncurrent loans to loans | 0.0370% | 3,673 |
| Net loans and leases to total assets | 75.7794% | 750 |
| Net loans and leases to deposits | 86.4022% | 945 |
| Net loans and leases to core deposits | 88.5151% | 1,195 |
| Total domestic deposits to total assets | 87.7054% | 2,694 |
| Equity capital to assets | 11.1849% | 1,141 |
| Core capital (leverage) ratio | 9.9082% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8196% | 2,860 |
| Memoranda: | ||
| Average total assets | $2,291,913,333 | 485 |
| Average earning assets | $2,108,271,333 | 490 |
| Average equity | $262,259,000 | 428 |
| Average total loans | $1,635,743,667 | 432 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 1,681 |
| Cost of funding earning assets | 0.0729% | 4,420 |
| Net interest margin | 3.4633% | 1,152 |
| Noninterest income to average assets | 0.2814% | 3,444 |
| Noninterest expense to average assets | 2.7277% | 1,299 |
| Loan and lease loss provision to assets | 0.3248% | 183 |
| Net operating income to assets | 0.2948% | 4,153 |
| Return on assets (ROA) | 0.2948% | 4,126 |
| Pretax return on assets | 0.4075% | 4,021 |
| Return on Equity (ROE) | 2.5470% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.5470% | 3,400 |
| Net charge-offs to loans | -0.0069% | 3,454 |
| Credit loss provision to net charge-offs | -6,851.8519% | 3,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3326% | 1,287 |
| Assets per employee ($millions) | 10.4895% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 4,197 |
| Loan loss allowance to noncurrent loans | 684.2265% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,214 |
| Noncurrent loans to loans | 0.1214% | 3,218 |
| Net loans and leases to total assets | 70.3608% | 985 |
| Net loans and leases to deposits | 80.1754% | 1,137 |
| Net loans and leases to core deposits | 82.4280% | 1,328 |
| Total domestic deposits to total assets | 87.7586% | 2,644 |
| Equity capital to assets | 11.4822% | 1,129 |
| Core capital (leverage) ratio | 10.0830% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6983% | 2,344 |
| Memoranda: | ||
| Average total assets | $2,278,263,500 | 488 |
| Average earning assets | $2,090,979,500 | 495 |
| Average equity | $263,687,500 | 433 |
| Average total loans | $1,567,304,500 | 445 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 1,357 |
| Cost of funding earning assets | 0.1263% | 4,180 |
| Net interest margin | 3.8752% | 877 |
| Noninterest income to average assets | 0.2463% | 3,901 |
| Noninterest expense to average assets | 2.9272% | 1,102 |
| Loan and lease loss provision to assets | 0.0661% | 1,743 |
| Net operating income to assets | 0.6554% | 3,734 |
| Return on assets (ROA) | 0.6574% | 3,781 |
| Pretax return on assets | 0.8731% | 3,561 |
| Return on Equity (ROE) | 5.8426% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.8426% | 2,424 |
| Net charge-offs to loans | -0.0151% | 3,881 |
| Credit loss provision to net charge-offs | -594.0594% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2379% | 1,182 |
| Assets per employee ($millions) | 10.6572% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 4,307 |
| Loan loss allowance to noncurrent loans | 1,440.9147% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,768 |
| Noncurrent loans to loans | 0.0538% | 3,696 |
| Net loans and leases to total assets | 66.0856% | 1,461 |
| Net loans and leases to deposits | 75.5638% | 1,601 |
| Net loans and leases to core deposits | 77.9172% | 1,768 |
| Total domestic deposits to total assets | 87.4566% | 2,309 |
| Equity capital to assets | 11.6674% | 1,413 |
| Core capital (leverage) ratio | 9.9838% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9913% | 1,845 |
| Memoranda: | ||
| Average total assets | $1,814,208,800 | 583 |
| Average earning assets | $1,693,603,000 | 568 |
| Average equity | $204,139,600 | 529 |
| Average total loans | $1,334,949,400 | 512 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 1,834 |
| Cost of funding earning assets | 0.1380% | 4,210 |
| Net interest margin | 3.7373% | 1,256 |
| Noninterest income to average assets | 0.3079% | 3,587 |
| Noninterest expense to average assets | 2.9901% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6542% | 3,886 |
| Return on assets (ROA) | 0.6576% | 3,928 |
| Pretax return on assets | 0.8451% | 3,808 |
| Return on Equity (ROE) | 5.9165% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.9165% | 2,862 |
| Net charge-offs to loans | -0.0113% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5128% | 918 |
| Assets per employee ($millions) | 9.1454% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 4,291 |
| Loan loss allowance to noncurrent loans | 1,556.3063% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,907 |
| Noncurrent loans to loans | 0.0540% | 3,837 |
| Net loans and leases to total assets | 68.5380% | 1,250 |
| Net loans and leases to deposits | 77.8857% | 1,492 |
| Net loans and leases to core deposits | 79.7584% | 1,760 |
| Total domestic deposits to total assets | 87.9981% | 1,844 |
| Equity capital to assets | 10.9137% | 2,079 |
| Core capital (leverage) ratio | 9.5765% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0614% | 1,596 |
| Memoranda: | ||
| Average total assets | $1,702,928,750 | 616 |
| Average earning assets | $1,605,286,750 | 598 |
| Average equity | $189,273,000 | 574 |
| Average total loans | $1,292,499,750 | 532 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 2,113 |
| Cost of funding earning assets | 0.1531% | 4,183 |
| Net interest margin | 3.6303% | 1,520 |
| Noninterest income to average assets | 0.2681% | 3,795 |
| Noninterest expense to average assets | 3.0618% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5364% | 4,147 |
| Return on assets (ROA) | 0.5421% | 4,175 |
| Pretax return on assets | 0.6338% | 4,183 |
| Return on Equity (ROE) | 4.8462% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.8462% | 3,246 |
| Net charge-offs to loans | -0.0053% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4239% | 640 |
| Assets per employee ($millions) | 9.9285% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,367 |
| Loan loss allowance to noncurrent loans | 1,476.3271% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,994 |
| Noncurrent loans to loans | 0.0542% | 3,903 |
| Net loans and leases to total assets | 71.8435% | 989 |
| Net loans and leases to deposits | 81.6088% | 1,267 |
| Net loans and leases to core deposits | 84.6300% | 1,519 |
| Total domestic deposits to total assets | 88.0340% | 1,798 |
| Equity capital to assets | 10.7029% | 2,224 |
| Core capital (leverage) ratio | 9.7433% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4451% | 1,239 |
| Memoranda: | ||
| Average total assets | $1,676,119,333 | 620 |
| Average earning assets | $1,579,496,333 | 606 |
| Average equity | $187,487,333 | 576 |
| Average total loans | $1,312,452,333 | 531 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 2,769 |
| Cost of funding earning assets | 0.1682% | 4,178 |
| Net interest margin | 3.3897% | 2,137 |
| Noninterest income to average assets | 0.1346% | 4,532 |
| Noninterest expense to average assets | 2.7323% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4203% | 4,324 |
| Return on assets (ROA) | 0.4203% | 4,354 |
| Pretax return on assets | 0.5908% | 4,203 |
| Return on Equity (ROE) | 3.6707% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,601 |
| Net charge-offs to loans | -0.0048% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5698% | 722 |
| Assets per employee ($millions) | 9.8969% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,531 |
| Loan loss allowance to noncurrent loans | 1,272.6146% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,027 |
| Noncurrent loans to loans | 0.0570% | 4,001 |
| Net loans and leases to total assets | 84.0683% | 144 |
| Net loans and leases to deposits | 96.4959% | 393 |
| Net loans and leases to core deposits | 101.0668% | 669 |
| Total domestic deposits to total assets | 87.1212% | 2,269 |
| Equity capital to assets | 11.2014% | 1,722 |
| Core capital (leverage) ratio | 10.9317% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6437% | 977 |
| Memoranda: | ||
| Average total assets | $1,625,577,000 | 629 |
| Average earning assets | $1,529,084,000 | 617 |
| Average equity | $186,124,500 | 576 |
| Average total loans | $1,325,130,500 | 529 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 2,554 |
| Cost of funding earning assets | 0.4028% | 3,562 |
| Net interest margin | 3.6551% | 1,958 |
| Noninterest income to average assets | 0.1259% | 4,645 |
| Noninterest expense to average assets | 2.6665% | 2,339 |
| Loan and lease loss provision to assets | 0.3327% | 1,073 |
| Net operating income to assets | 0.3716% | 4,301 |
| Return on assets (ROA) | 0.4047% | 4,319 |
| Pretax return on assets | 0.5794% | 4,122 |
| Return on Equity (ROE) | 3.6168% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.6168% | 3,032 |
| Net charge-offs to loans | -0.0300% | 4,535 |
| Credit loss provision to net charge-offs | -1,338.8235% | 4,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6012% | 1,375 |
| Assets per employee ($millions) | 10.7386% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 4,354 |
| Loan loss allowance to noncurrent loans | 1,186.9213% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,066 |
| Noncurrent loans to loans | 0.0700% | 4,016 |
| Net loans and leases to total assets | 77.5146% | 647 |
| Net loans and leases to deposits | 102.0788% | 311 |
| Net loans and leases to core deposits | 108.2717% | 562 |
| Total domestic deposits to total assets | 75.9361% | 4,512 |
| Equity capital to assets | 11.7128% | 1,727 |
| Core capital (leverage) ratio | 12.0458% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4384% | 725 |
| Memoranda: | ||
| Average total assets | $1,368,335,400 | 670 |
| Average earning assets | $1,276,809,600 | 662 |
| Average equity | $153,118,800 | 661 |
| Average total loans | $1,133,331,600 | 569 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 2,787 |
| Cost of funding earning assets | 0.4419% | 3,576 |
| Net interest margin | 3.6199% | 2,202 |
| Noninterest income to average assets | 0.1304% | 4,639 |
| Noninterest expense to average assets | 2.0400% | 4,070 |
| Loan and lease loss provision to assets | 0.4612% | 682 |
| Net operating income to assets | 0.6916% | 3,488 |
| Return on assets (ROA) | 0.7376% | 3,429 |
| Pretax return on assets | 1.0553% | 2,887 |
| Return on Equity (ROE) | 6.6851% | 3,316 |
| Retained earnings to average equity (ytd only) | 6.6851% | 1,816 |
| Net charge-offs to loans | -0.0458% | 4,650 |
| Credit loss provision to net charge-offs | -1,194.7507% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4789% | 3,739 |
| Assets per employee ($millions) | 13.3502% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,471 |
| Loan loss allowance to noncurrent loans | 915.2000% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,079 |
| Noncurrent loans to loans | 0.0825% | 4,038 |
| Net loans and leases to total assets | 85.8983% | 159 |
| Net loans and leases to deposits | 118.4805% | 126 |
| Net loans and leases to core deposits | 126.6994% | 293 |
| Total domestic deposits to total assets | 72.5000% | 4,670 |
| Equity capital to assets | 9.1684% | 3,981 |
| Core capital (leverage) ratio | 9.1672% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9305% | 1,522 |
| Memoranda: | ||
| Average total assets | $1,315,775,750 | 680 |
| Average earning assets | $1,224,213,250 | 673 |
| Average equity | $145,174,500 | 686 |
| Average total loans | $1,108,194,250 | 573 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,576 |
| Cost of funding earning assets | 0.4802% | 3,656 |
| Net interest margin | 3.4343% | 2,995 |
| Noninterest income to average assets | 0.1323% | 4,642 |
| Noninterest expense to average assets | 1.8174% | 4,539 |
| Loan and lease loss provision to assets | 0.4152% | 960 |
| Net operating income to assets | 0.7439% | 3,231 |
| Return on assets (ROA) | 0.7855% | 3,202 |
| Pretax return on assets | 1.1313% | 2,610 |
| Return on Equity (ROE) | 6.6400% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.6400% | 1,802 |
| Net charge-offs to loans | -0.0753% | 4,786 |
| Credit loss provision to net charge-offs | -662.8571% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9531% | 4,185 |
| Assets per employee ($millions) | 12.6700% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6145% | 4,721 |
| Loan loss allowance to noncurrent loans | 478.6621% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 3,967 |
| Noncurrent loans to loans | 0.1284% | 3,947 |
| Net loans and leases to total assets | 86.8484% | 99 |
| Net loans and leases to deposits | 115.6973% | 135 |
| Net loans and leases to core deposits | 125.3588% | 321 |
| Total domestic deposits to total assets | 75.0652% | 4,513 |
| Equity capital to assets | 9.1803% | 3,943 |
| Core capital (leverage) ratio | 10.2116% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1968% | 1,730 |
| Memoranda: | ||
| Average total assets | $1,229,258,000 | 714 |
| Average earning assets | $1,137,818,333 | 714 |
| Average equity | $145,422,000 | 678 |
| Average total loans | $1,023,100,000 | 605 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,167 |
| Cost of funding earning assets | 0.7997% | 2,398 |
| Net interest margin | 4.1116% | 1,112 |
| Noninterest income to average assets | 0.2026% | 4,338 |
| Noninterest expense to average assets | 2.7083% | 2,685 |
| Loan and lease loss provision to assets | 0.1427% | 1,960 |
| Net operating income to assets | 0.7878% | 2,946 |
| Return on assets (ROA) | 0.9088% | 2,599 |
| Pretax return on assets | 1.3021% | 1,864 |
| Return on Equity (ROE) | 6.2939% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.2939% | 1,774 |
| Net charge-offs to loans | -0.0065% | 3,929 |
| Credit loss provision to net charge-offs | -2,727.2727% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5795% | 2,875 |
| Assets per employee ($millions) | 9.2614% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 4,337 |
| Loan loss allowance to noncurrent loans | 395.9525% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 3,821 |
| Noncurrent loans to loans | 0.2097% | 3,725 |
| Net loans and leases to total assets | 79.5164% | 758 |
| Net loans and leases to deposits | 98.3417% | 675 |
| Net loans and leases to core deposits | 114.1075% | 661 |
| Total domestic deposits to total assets | 80.8573% | 3,697 |
| Equity capital to assets | 14.3626% | 937 |
| Core capital (leverage) ratio | 12.4902% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4750% | 1,484 |
| Memoranda: | ||
| Average total assets | $841,119,000 | 971 |
| Average earning assets | $776,835,500 | 964 |
| Average equity | $121,450,000 | 783 |
| Average total loans | $679,925,000 | 852 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 1,080 |
| Cost of funding earning assets | 0.9370% | 2,028 |
| Net interest margin | 4.2247% | 1,267 |
| Noninterest income to average assets | 0.2233% | 4,327 |
| Noninterest expense to average assets | 2.7846% | 2,655 |
| Loan and lease loss provision to assets | 0.1259% | 1,691 |
| Net operating income to assets | 0.8345% | 3,434 |
| Return on assets (ROA) | 0.8524% | 3,473 |
| Pretax return on assets | 1.2187% | 2,775 |
| Return on Equity (ROE) | 6.2901% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.2901% | 1,726 |
| Net charge-offs to loans | 0.0015% | 3,661 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,050.3000% | 94 |
| Efficiency ratio | 66.4521% | 2,699 |
| Assets per employee ($millions) | 8.5586% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 4,328 |
| Loan loss allowance to noncurrent loans | 280.6384% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,521 |
| Noncurrent loans to loans | 0.2824% | 3,431 |
| Net loans and leases to total assets | 80.8604% | 685 |
| Net loans and leases to deposits | 99.9074% | 611 |
| Net loans and leases to core deposits | 118.6710% | 513 |
| Total domestic deposits to total assets | 80.9354% | 3,781 |
| Equity capital to assets | 14.5176% | 929 |
| Core capital (leverage) ratio | 12.8122% | 1,326 |
| Tier 1 risk-based capital ratio | 15.4046% | 2,618 |
| Total risk-based capital ratio | 16.2271% | 2,726 |
| Memoranda: | ||
| Average total assets | $794,549,400 | 976 |
| Average earning assets | $730,316,600 | 979 |
| Average equity | $107,676,600 | 845 |
| Average total loans | $649,597,000 | 853 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 975 |
| Cost of funding earning assets | 0.9544% | 1,975 |
| Net interest margin | 4.2766% | 1,215 |
| Noninterest income to average assets | 0.2466% | 4,263 |
| Noninterest expense to average assets | 2.8194% | 2,516 |
| Loan and lease loss provision to assets | 0.1358% | 1,415 |
| Net operating income to assets | 0.8477% | 3,524 |
| Return on assets (ROA) | 0.8718% | 3,528 |
| Pretax return on assets | 1.2453% | 2,832 |
| Return on Equity (ROE) | 6.5564% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.5564% | 2,081 |
| Net charge-offs to loans | 0.0041% | 3,256 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 397.8403% | 250 |
| Efficiency ratio | 66.2610% | 2,694 |
| Assets per employee ($millions) | 8.7402% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,539 |
| Loan loss allowance to noncurrent loans | 231.5955% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,495 |
| Noncurrent loans to loans | 0.3250% | 3,368 |
| Net loans and leases to total assets | 80.9911% | 708 |
| Net loans and leases to deposits | 98.0755% | 813 |
| Net loans and leases to core deposits | 122.5427% | 458 |
| Total domestic deposits to total assets | 82.5804% | 3,290 |
| Equity capital to assets | 12.8000% | 1,732 |
| Core capital (leverage) ratio | 11.6795% | 2,097 |
| Tier 1 risk-based capital ratio | 13.3120% | 3,681 |
| Total risk-based capital ratio | 14.0972% | 3,829 |
| Memoranda: | ||
| Average total assets | $785,640,250 | 991 |
| Average earning assets | $720,749,250 | 991 |
| Average equity | $104,465,000 | 867 |
| Average total loans | $642,832,500 | 863 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 800 |
| Cost of funding earning assets | 0.9567% | 1,879 |
| Net interest margin | 4.3539% | 1,029 |
| Noninterest income to average assets | 0.2446% | 4,285 |
| Noninterest expense to average assets | 2.8399% | 2,441 |
| Loan and lease loss provision to assets | 0.1302% | 1,437 |
| Net operating income to assets | 0.8911% | 3,320 |
| Return on assets (ROA) | 0.8911% | 3,386 |
| Pretax return on assets | 1.2656% | 2,690 |
| Return on Equity (ROE) | 6.6115% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.6115% | 1,999 |
| Net charge-offs to loans | -0.0048% | 4,109 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6869% | 2,855 |
| Assets per employee ($millions) | 7.6673% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,497 |
| Loan loss allowance to noncurrent loans | 240.4329% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,505 |
| Noncurrent loans to loans | 0.3261% | 3,363 |
| Net loans and leases to total assets | 80.6719% | 781 |
| Net loans and leases to deposits | 97.8315% | 860 |
| Net loans and leases to core deposits | 117.9424% | 605 |
| Total domestic deposits to total assets | 82.4601% | 3,385 |
| Equity capital to assets | 13.7753% | 1,207 |
| Core capital (leverage) ratio | 11.5853% | 2,098 |
| Tier 1 risk-based capital ratio | 14.0087% | 3,319 |
| Total risk-based capital ratio | 14.8177% | 3,443 |
| Memoranda: | ||
| Average total assets | $767,833,670 | 1,006 |
| Average earning assets | $703,881,330 | 1,008 |
| Average equity | $103,486,670 | 867 |
| Average total loans | $628,871,000 | 879 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 730 |
| Cost of funding earning assets | 0.9416% | 1,827 |
| Net interest margin | 4.3769% | 950 |
| Noninterest income to average assets | 0.2186% | 4,443 |
| Noninterest expense to average assets | 2.7059% | 2,892 |
| Loan and lease loss provision to assets | 0.1562% | 1,073 |
| Net operating income to assets | 0.9625% | 2,998 |
| Return on assets (ROA) | 0.9625% | 3,044 |
| Pretax return on assets | 1.3639% | 2,219 |
| Return on Equity (ROE) | 7.2212% | 3,586 |
| Retained earnings to average equity (ytd only) | 7.2212% | 1,963 |
| Net charge-offs to loans | -0.0038% | 3,960 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6632% | 3,437 |
| Assets per employee ($millions) | 8.0086% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,672 |
| Loan loss allowance to noncurrent loans | 141.8739% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 2,868 |
| Noncurrent loans to loans | 0.5247% | 2,746 |
| Net loans and leases to total assets | 81.1447% | 691 |
| Net loans and leases to deposits | 98.1410% | 776 |
| Net loans and leases to core deposits | 119.2136% | 551 |
| Total domestic deposits to total assets | 82.6817% | 3,511 |
| Equity capital to assets | 13.4597% | 1,223 |
| Core capital (leverage) ratio | 11.5076% | 2,128 |
| Tier 1 risk-based capital ratio | 13.7680% | 3,464 |
| Total risk-based capital ratio | 14.5467% | 3,626 |
| Memoranda: | ||
| Average total assets | $768,385,500 | 1,007 |
| Average earning assets | $703,514,500 | 1,010 |
| Average equity | $102,420,500 | 871 |
| Average total loans | $631,594,500 | 880 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 901 |
| Cost of funding earning assets | 0.6584% | 2,336 |
| Net interest margin | 4.4142% | 904 |
| Noninterest income to average assets | 0.4493% | 3,105 |
| Noninterest expense to average assets | 3.0686% | 1,873 |
| Loan and lease loss provision to assets | 0.2644% | 641 |
| Net operating income to assets | 0.8579% | 3,584 |
| Return on assets (ROA) | 0.8688% | 3,538 |
| Pretax return on assets | 1.2446% | 2,719 |
| Return on Equity (ROE) | 6.5407% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.5407% | 1,904 |
| Net charge-offs to loans | 0.0615% | 2,248 |
| Credit loss provision to net charge-offs | 528.0528% | 662 |
| Earnings coverage of net charge-offs (x) | 29.8614% | 1,608 |
| Efficiency ratio | 66.3637% | 2,807 |
| Assets per employee ($millions) | 8.1697% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 4,818 |
| Loan loss allowance to noncurrent loans | 126.3873% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 2,761 |
| Noncurrent loans to loans | 0.5452% | 2,641 |
| Net loans and leases to total assets | 82.0730% | 637 |
| Net loans and leases to deposits | 100.3922% | 710 |
| Net loans and leases to core deposits | 123.9441% | 443 |
| Total domestic deposits to total assets | 81.7524% | 3,706 |
| Equity capital to assets | 13.1988% | 1,255 |
| Core capital (leverage) ratio | 11.5177% | 2,090 |
| Tier 1 risk-based capital ratio | 13.7090% | 3,439 |
| Total risk-based capital ratio | 14.4483% | 3,609 |
| Memoranda: | ||
| Average total assets | $605,187,600 | 1,191 |
| Average earning assets | $564,093,400 | 1,193 |
| Average equity | $80,389,000 | 1,024 |
| Average total loans | $492,985,600 | 1,063 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 1,319 |
| Cost of funding earning assets | 0.5805% | 2,631 |
| Net interest margin | 4.2595% | 1,214 |
| Noninterest income to average assets | 0.5180% | 2,754 |
| Noninterest expense to average assets | 3.1395% | 1,670 |
| Loan and lease loss provision to assets | 0.2716% | 558 |
| Net operating income to assets | 0.7527% | 4,068 |
| Return on assets (ROA) | 0.7683% | 4,027 |
| Pretax return on assets | 1.1110% | 3,352 |
| Return on Equity (ROE) | 5.7717% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.7717% | 2,777 |
| Net charge-offs to loans | 0.0886% | 1,620 |
| Credit loss provision to net charge-offs | 378.2895% | 852 |
| Earnings coverage of net charge-offs (x) | 18.9804% | 2,030 |
| Efficiency ratio | 69.1008% | 2,340 |
| Assets per employee ($millions) | 7.8183% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 4,978 |
| Loan loss allowance to noncurrent loans | 101.6062% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 2,639 |
| Noncurrent loans to loans | 0.6362% | 2,492 |
| Net loans and leases to total assets | 82.0264% | 713 |
| Net loans and leases to deposits | 95.2636% | 1,237 |
| Net loans and leases to core deposits | 115.1117% | 756 |
| Total domestic deposits to total assets | 86.1047% | 2,145 |
| Equity capital to assets | 13.4524% | 1,153 |
| Core capital (leverage) ratio | 12.4277% | 1,539 |
| Tier 1 risk-based capital ratio | 13.5891% | 3,582 |
| Total risk-based capital ratio | 14.2661% | 3,808 |
| Memoranda: | ||
| Average total assets | $564,497,500 | 1,263 |
| Average earning assets | $528,027,750 | 1,254 |
| Average equity | $75,146,250 | 1,087 |
| Average total loans | $457,569,250 | 1,133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,324 |
| Cost of funding earning assets | 0.5322% | 2,748 |
| Net interest margin | 4.2390% | 1,194 |
| Noninterest income to average assets | 0.6701% | 2,004 |
| Noninterest expense to average assets | 3.0353% | 1,954 |
| Loan and lease loss provision to assets | 0.2758% | 538 |
| Net operating income to assets | 0.9368% | 3,297 |
| Return on assets (ROA) | 0.9368% | 3,302 |
| Pretax return on assets | 1.3504% | 2,324 |
| Return on Equity (ROE) | 7.0732% | 3,880 |
| Retained earnings to average equity (ytd only) | 7.0732% | 2,043 |
| Net charge-offs to loans | 0.1633% | 949 |
| Credit loss provision to net charge-offs | 210.2102% | 1,259 |
| Earnings coverage of net charge-offs (x) | 12.3964% | 2,207 |
| Efficiency ratio | 64.8272% | 3,189 |
| Assets per employee ($millions) | 8.0221% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,606 |
| Loan loss allowance to noncurrent loans | 125.3824% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 2,656 |
| Noncurrent loans to loans | 0.6618% | 2,457 |
| Net loans and leases to total assets | 78.9131% | 1,174 |
| Net loans and leases to deposits | 93.0858% | 1,458 |
| Net loans and leases to core deposits | 110.0149% | 1,002 |
| Total domestic deposits to total assets | 84.7746% | 2,762 |
| Equity capital to assets | 14.7680% | 741 |
| Core capital (leverage) ratio | 14.5017% | 782 |
| Tier 1 risk-based capital ratio | 19.1324% | 1,523 |
| Total risk-based capital ratio | 20.0106% | 1,568 |
| Memoranda: | ||
| Average total assets | $507,689,000 | 1,393 |
| Average earning assets | $478,038,000 | 1,380 |
| Average equity | $67,240,000 | 1,198 |
| Average total loans | $407,841,330 | 1,240 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,582 |
| Cost of funding earning assets | 0.4880% | 2,882 |
| Net interest margin | 4.1096% | 1,414 |
| Noninterest income to average assets | 0.8778% | 1,210 |
| Noninterest expense to average assets | 3.2379% | 1,483 |
| Loan and lease loss provision to assets | 0.2396% | 637 |
| Net operating income to assets | 0.8562% | 3,472 |
| Return on assets (ROA) | 0.8562% | 3,487 |
| Pretax return on assets | 1.2747% | 2,460 |
| Return on Equity (ROE) | 6.8765% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.8765% | 2,335 |
| Net charge-offs to loans | -0.0089% | 4,200 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8487% | 2,855 |
| Assets per employee ($millions) | 7.1523% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 4,714 |
| Loan loss allowance to noncurrent loans | 266.1164% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2436% | 3,895 |
| Noncurrent loans to loans | 0.3109% | 3,660 |
| Net loans and leases to total assets | 77.7242% | 1,279 |
| Net loans and leases to deposits | 91.3374% | 1,519 |
| Net loans and leases to core deposits | 106.9243% | 1,184 |
| Total domestic deposits to total assets | 85.0957% | 2,901 |
| Equity capital to assets | 14.3676% | 804 |
| Core capital (leverage) ratio | 15.3222% | 586 |
| Tier 1 risk-based capital ratio | 18.8519% | 1,590 |
| Total risk-based capital ratio | 19.7262% | 1,661 |
| Memoranda: | ||
| Average total assets | $500,815,000 | 1,422 |
| Average earning assets | $472,165,000 | 1,403 |
| Average equity | $62,357,000 | 1,285 |
| Average total loans | $404,299,500 | 1,251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,361 |
| Cost of funding earning assets | 0.3697% | 3,521 |
| Net interest margin | 4.2557% | 1,069 |
| Noninterest income to average assets | 0.4937% | 3,038 |
| Noninterest expense to average assets | 2.8448% | 2,626 |
| Loan and lease loss provision to assets | 0.0606% | 3,023 |
| Net operating income to assets | 0.8863% | 2,787 |
| Return on assets (ROA) | 0.8866% | 2,809 |
| Pretax return on assets | 1.5584% | 1,422 |
| Return on Equity (ROE) | 8.4081% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.4081% | 643 |
| Net charge-offs to loans | 0.0315% | 3,164 |
| Credit loss provision to net charge-offs | 235.6522% | 1,179 |
| Earnings coverage of net charge-offs (x) | 62.9391% | 925 |
| Efficiency ratio | 63.2916% | 3,717 |
| Assets per employee ($millions) | 6.3094% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 4,908 |
| Loan loss allowance to noncurrent loans | 225.8443% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 3,751 |
| Noncurrent loans to loans | 0.3410% | 3,538 |
| Net loans and leases to total assets | 82.6519% | 602 |
| Net loans and leases to deposits | 97.2615% | 970 |
| Net loans and leases to core deposits | 109.9394% | 1,009 |
| Total domestic deposits to total assets | 84.9791% | 2,842 |
| Equity capital to assets | 10.3643% | 3,317 |
| Core capital (leverage) ratio | 10.3319% | 3,039 |
| Tier 1 risk-based capital ratio | 12.6957% | 4,093 |
| Total risk-based capital ratio | 13.5127% | 4,262 |
| Memoranda: | ||
| Average total assets | $447,198,200 | 1,555 |
| Average earning assets | $417,135,800 | 1,542 |
| Average equity | $47,157,000 | 1,598 |
| Average total loans | $364,713,000 | 1,326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5941% | 1,386 |
| Cost of funding earning assets | 0.3405% | 3,767 |
| Net interest margin | 4.2536% | 1,039 |
| Noninterest income to average assets | 0.4278% | 3,496 |
| Noninterest expense to average assets | 2.8775% | 2,484 |
| Loan and lease loss provision to assets | 0.0823% | 2,444 |
| Net operating income to assets | 0.8593% | 3,231 |
| Return on assets (ROA) | 0.8593% | 3,277 |
| Pretax return on assets | 1.4277% | 2,024 |
| Return on Equity (ROE) | 8.1107% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.1107% | 1,178 |
| Net charge-offs to loans | -0.0356% | 5,053 |
| Credit loss provision to net charge-offs | -285.2632% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0865% | 3,363 |
| Assets per employee ($millions) | 7.4282% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 4,765 |
| Loan loss allowance to noncurrent loans | 302.5783% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 4,131 |
| Noncurrent loans to loans | 0.2800% | 3,948 |
| Net loans and leases to total assets | 82.1632% | 658 |
| Net loans and leases to deposits | 92.0926% | 1,557 |
| Net loans and leases to core deposits | 101.7847% | 1,559 |
| Total domestic deposits to total assets | 89.2180% | 773 |
| Equity capital to assets | 10.3892% | 3,488 |
| Core capital (leverage) ratio | 10.5506% | 2,930 |
| Tier 1 risk-based capital ratio | 12.5969% | 4,260 |
| Total risk-based capital ratio | 13.4826% | 4,371 |
| Memoranda: | ||
| Average total assets | $439,119,750 | 1,590 |
| Average earning assets | $408,777,250 | 1,582 |
| Average equity | $46,521,750 | 1,634 |
| Average total loans | $356,040,750 | 1,375 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,705 |
| Cost of funding earning assets | 0.3157% | 3,923 |
| Net interest margin | 4.1223% | 1,266 |
| Noninterest income to average assets | 0.4796% | 3,153 |
| Noninterest expense to average assets | 2.8349% | 2,639 |
| Loan and lease loss provision to assets | 0.1262% | 1,641 |
| Net operating income to assets | 0.8112% | 3,352 |
| Return on assets (ROA) | 0.8112% | 3,403 |
| Pretax return on assets | 1.3546% | 2,191 |
| Return on Equity (ROE) | 7.6032% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.6032% | 1,312 |
| Net charge-offs to loans | 0.0069% | 3,210 |
| Credit loss provision to net charge-offs | 2,258.3333% | 190 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 323 |
| Efficiency ratio | 65.1057% | 3,491 |
| Assets per employee ($millions) | 7.1162% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 4,649 |
| Loan loss allowance to noncurrent loans | 158.2379% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 3,261 |
| Noncurrent loans to loans | 0.5677% | 3,030 |
| Net loans and leases to total assets | 80.7984% | 834 |
| Net loans and leases to deposits | 91.0461% | 1,602 |
| Net loans and leases to core deposits | 98.4837% | 1,768 |
| Total domestic deposits to total assets | 88.7444% | 1,083 |
| Equity capital to assets | 10.9379% | 2,881 |
| Core capital (leverage) ratio | 10.8318% | 2,572 |
| Tier 1 risk-based capital ratio | 12.9594% | 4,019 |
| Total risk-based capital ratio | 13.8650% | 4,143 |
| Memoranda: | ||
| Average total assets | $429,501,000 | 1,621 |
| Average earning assets | $399,684,000 | 1,613 |
| Average equity | $45,822,670 | 1,652 |
| Average total loans | $345,457,670 | 1,405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 2,089 |
| Cost of funding earning assets | 0.3202% | 3,850 |
| Net interest margin | 3.9333% | 1,660 |
| Noninterest income to average assets | 0.3783% | 3,821 |
| Noninterest expense to average assets | 2.7827% | 2,847 |
| Loan and lease loss provision to assets | 0.1582% | 1,143 |
| Net operating income to assets | 0.6648% | 3,856 |
| Return on assets (ROA) | 0.6648% | 3,896 |
| Pretax return on assets | 1.1067% | 2,955 |
| Return on Equity (ROE) | 6.3120% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.3120% | 2,179 |
| Net charge-offs to loans | -0.0633% | 5,287 |
| Credit loss provision to net charge-offs | -312.9630% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8927% | 3,218 |
| Assets per employee ($millions) | 6.6205% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,755 |
| Loan loss allowance to noncurrent loans | 154.0686% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 3,188 |
| Noncurrent loans to loans | 0.5839% | 3,055 |
| Net loans and leases to total assets | 80.4503% | 776 |
| Net loans and leases to deposits | 90.3951% | 1,493 |
| Net loans and leases to core deposits | 96.3447% | 1,794 |
| Total domestic deposits to total assets | 88.9985% | 1,143 |
| Equity capital to assets | 10.5423% | 3,137 |
| Core capital (leverage) ratio | 10.4124% | 2,999 |
| Tier 1 risk-based capital ratio | 13.0037% | 4,075 |
| Total risk-based capital ratio | 13.9403% | 4,171 |
| Memoranda: | ||
| Average total assets | $427,207,500 | 1,644 |
| Average earning assets | $398,544,000 | 1,627 |
| Average equity | $44,994,000 | 1,687 |
| Average total loans | $341,229,000 | 1,424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 1,470 |
| Cost of funding earning assets | 0.3132% | 3,912 |
| Net interest margin | 4.2089% | 1,093 |
| Noninterest income to average assets | 0.4993% | 3,243 |
| Noninterest expense to average assets | 2.9541% | 2,485 |
| Loan and lease loss provision to assets | 0.1363% | 1,834 |
| Net operating income to assets | 0.7747% | 3,428 |
| Return on assets (ROA) | 0.7741% | 3,534 |
| Pretax return on assets | 1.3043% | 2,265 |
| Return on Equity (ROE) | 7.7697% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.7697% | 935 |
| Net charge-offs to loans | 0.0117% | 3,880 |
| Credit loss provision to net charge-offs | 1,432.4324% | 290 |
| Earnings coverage of net charge-offs (x) | 151.4595% | 428 |
| Efficiency ratio | 66.3311% | 3,539 |
| Assets per employee ($millions) | 6.4255% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 4,870 |
| Loan loss allowance to noncurrent loans | 304.4838% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 4,147 |
| Noncurrent loans to loans | 0.2879% | 4,118 |
| Net loans and leases to total assets | 77.8601% | 1,212 |
| Net loans and leases to deposits | 87.4608% | 1,993 |
| Net loans and leases to core deposits | 94.1058% | 2,095 |
| Total domestic deposits to total assets | 89.0229% | 1,110 |
| Equity capital to assets | 10.5218% | 3,129 |
| Core capital (leverage) ratio | 10.4000% | 2,989 |
| Tier 1 risk-based capital ratio | 13.5783% | 3,720 |
| Total risk-based capital ratio | 14.5026% | 3,837 |
| Memoranda: | ||
| Average total assets | $388,715,600 | 1,729 |
| Average earning assets | $359,858,800 | 1,722 |
| Average equity | $38,727,200 | 1,897 |
| Average total loans | $316,666,400 | 1,461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 1,469 |
| Cost of funding earning assets | 0.3035% | 4,060 |
| Net interest margin | 4.2196% | 1,081 |
| Noninterest income to average assets | 0.5486% | 2,925 |
| Noninterest expense to average assets | 3.0469% | 2,175 |
| Loan and lease loss provision to assets | 0.1376% | 1,706 |
| Net operating income to assets | 0.7404% | 3,644 |
| Return on assets (ROA) | 0.7395% | 3,781 |
| Pretax return on assets | 1.2565% | 2,595 |
| Return on Equity (ROE) | 7.5409% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.5409% | 1,384 |
| Net charge-offs to loans | 0.0175% | 3,368 |
| Credit loss provision to net charge-offs | 956.0976% | 432 |
| Earnings coverage of net charge-offs (x) | 96.9673% | 678 |
| Efficiency ratio | 67.7017% | 3,280 |
| Assets per employee ($millions) | 6.5385% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 5,081 |
| Loan loss allowance to noncurrent loans | 261.0902% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,149 |
| Noncurrent loans to loans | 0.3209% | 4,104 |
| Net loans and leases to total assets | 78.5801% | 1,103 |
| Net loans and leases to deposits | 86.4801% | 2,214 |
| Net loans and leases to core deposits | 92.7000% | 2,315 |
| Total domestic deposits to total assets | 90.8650% | 224 |
| Equity capital to assets | 8.8614% | 5,273 |
| Core capital (leverage) ratio | 8.9329% | 4,906 |
| Tier 1 risk-based capital ratio | 11.2257% | 5,242 |
| Total risk-based capital ratio | 12.1060% | 5,359 |
| Memoranda: | ||
| Average total assets | $379,874,250 | 1,767 |
| Average earning assets | $350,547,500 | 1,774 |
| Average equity | $37,253,750 | 1,980 |
| Average total loans | $312,555,500 | 1,477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,161 |
| Cost of funding earning assets | 0.2823% | 4,324 |
| Net interest margin | 4.3702% | 815 |
| Noninterest income to average assets | 0.5842% | 2,701 |
| Noninterest expense to average assets | 3.1154% | 2,012 |
| Loan and lease loss provision to assets | 0.1504% | 1,521 |
| Net operating income to assets | 0.7997% | 3,310 |
| Return on assets (ROA) | 0.7983% | 3,461 |
| Pretax return on assets | 1.3564% | 2,183 |
| Return on Equity (ROE) | 7.8529% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.8529% | 1,221 |
| Net charge-offs to loans | 0.0281% | 2,924 |
| Credit loss provision to net charge-offs | 641.8605% | 535 |
| Earnings coverage of net charge-offs (x) | 64.3953% | 835 |
| Efficiency ratio | 66.4978% | 3,603 |
| Assets per employee ($millions) | 6.2835% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 5,162 |
| Loan loss allowance to noncurrent loans | 293.5982% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 4,310 |
| Noncurrent loans to loans | 0.2859% | 4,350 |
| Net loans and leases to total assets | 80.6508% | 802 |
| Net loans and leases to deposits | 89.1926% | 1,841 |
| Net loans and leases to core deposits | 99.5763% | 1,668 |
| Total domestic deposits to total assets | 90.4232% | 341 |
| Equity capital to assets | 9.3358% | 4,935 |
| Core capital (leverage) ratio | 9.5065% | 4,201 |
| Tier 1 risk-based capital ratio | 11.5503% | 5,120 |
| Total risk-based capital ratio | 12.4363% | 5,240 |
| Memoranda: | ||
| Average total assets | $367,010,330 | 1,826 |
| Average earning assets | $339,297,670 | 1,835 |
| Average equity | $37,311,000 | 1,976 |
| Average total loans | $306,204,330 | 1,498 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,398 |
| Cost of funding earning assets | 0.2620% | 4,588 |
| Net interest margin | 4.2766% | 963 |
| Noninterest income to average assets | 0.3452% | 4,262 |
| Noninterest expense to average assets | 3.1822% | 1,878 |
| Loan and lease loss provision to assets | 0.1552% | 1,353 |
| Net operating income to assets | 0.5725% | 4,302 |
| Return on assets (ROA) | 0.5667% | 4,443 |
| Pretax return on assets | 0.9637% | 3,602 |
| Return on Equity (ROE) | 5.3359% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.3359% | 2,748 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8672% | 2,665 |
| Assets per employee ($millions) | 5.7363% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 5,321 |
| Loan loss allowance to noncurrent loans | 120.7627% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 3,248 |
| Noncurrent loans to loans | 0.6765% | 3,145 |
| Net loans and leases to total assets | 84.8236% | 305 |
| Net loans and leases to deposits | 99.7070% | 643 |
| Net loans and leases to core deposits | 105.1632% | 1,129 |
| Total domestic deposits to total assets | 85.0728% | 3,100 |
| Equity capital to assets | 10.3644% | 3,667 |
| Core capital (leverage) ratio | 10.6738% | 2,766 |
| Tier 1 risk-based capital ratio | 12.1248% | 4,833 |
| Total risk-based capital ratio | 12.9926% | 4,991 |
| Memoranda: | ||
| Average total assets | $355,727,000 | 1,885 |
| Average earning assets | $329,792,000 | 1,884 |
| Average equity | $37,781,500 | 1,946 |
| Average total loans | $300,878,000 | 1,517 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 1,743 |
| Cost of funding earning assets | 0.2430% | 4,854 |
| Net interest margin | 4.2074% | 1,159 |
| Noninterest income to average assets | 0.5106% | 3,253 |
| Noninterest expense to average assets | 3.4051% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5730% | 4,408 |
| Return on assets (ROA) | 0.5730% | 4,497 |
| Pretax return on assets | 0.9661% | 3,592 |
| Return on Equity (ROE) | 5.3141% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.3141% | 2,199 |
| Net charge-offs to loans | -0.0138% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8767% | 2,134 |
| Assets per employee ($millions) | 5.3802% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 5,284 |
| Loan loss allowance to noncurrent loans | 115.0782% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 3,133 |
| Noncurrent loans to loans | 0.7328% | 2,984 |
| Net loans and leases to total assets | 82.8729% | 499 |
| Net loans and leases to deposits | 95.6771% | 1,047 |
| Net loans and leases to core deposits | 99.5666% | 1,546 |
| Total domestic deposits to total assets | 86.6173% | 2,315 |
| Equity capital to assets | 10.8944% | 2,941 |
| Core capital (leverage) ratio | 10.4357% | 3,008 |
| Tier 1 risk-based capital ratio | 12.9374% | 4,366 |
| Total risk-based capital ratio | 13.8313% | 4,476 |
| Memoranda: | ||
| Average total assets | $333,707,800 | 1,972 |
| Average earning assets | $306,202,000 | 1,989 |
| Average equity | $35,980,000 | 1,984 |
| Average total loans | $260,827,400 | 1,667 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,217 |
| Cost of funding earning assets | 0.2389% | 5,004 |
| Net interest margin | 4.0646% | 1,514 |
| Noninterest income to average assets | 0.5510% | 3,048 |
| Noninterest expense to average assets | 3.4737% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4708% | 4,894 |
| Return on assets (ROA) | 0.4708% | 4,994 |
| Pretax return on assets | 0.7978% | 4,346 |
| Return on Equity (ROE) | 4.3786% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.3786% | 3,357 |
| Net charge-offs to loans | -0.0645% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2659% | 1,623 |
| Assets per employee ($millions) | 5.0409% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 5,157 |
| Loan loss allowance to noncurrent loans | 133.7946% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,368 |
| Noncurrent loans to loans | 0.6822% | 3,275 |
| Net loans and leases to total assets | 79.6166% | 867 |
| Net loans and leases to deposits | 89.4605% | 1,715 |
| Net loans and leases to core deposits | 93.3000% | 2,146 |
| Total domestic deposits to total assets | 88.9964% | 1,031 |
| Equity capital to assets | 10.7189% | 3,339 |
| Core capital (leverage) ratio | 10.2949% | 3,261 |
| Tier 1 risk-based capital ratio | 13.0076% | 4,423 |
| Total risk-based capital ratio | 13.9766% | 4,501 |
| Memoranda: | ||
| Average total assets | $331,051,750 | 1,998 |
| Average earning assets | $303,033,750 | 2,018 |
| Average equity | $35,596,750 | 2,013 |
| Average total loans | $254,088,000 | 1,711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,347 |
| Cost of funding earning assets | 0.2321% | 5,122 |
| Net interest margin | 4.0201% | 1,583 |
| Noninterest income to average assets | 0.6713% | 2,348 |
| Noninterest expense to average assets | 3.6015% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4396% | 5,007 |
| Return on assets (ROA) | 0.4396% | 5,105 |
| Pretax return on assets | 0.7446% | 4,511 |
| Return on Equity (ROE) | 4.0835% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.0835% | 3,423 |
| Net charge-offs to loans | -0.0081% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8259% | 1,515 |
| Assets per employee ($millions) | 5.2575% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 5,364 |
| Loan loss allowance to noncurrent loans | 132.5055% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 3,473 |
| Noncurrent loans to loans | 0.6653% | 3,482 |
| Net loans and leases to total assets | 81.5047% | 604 |
| Net loans and leases to deposits | 91.7945% | 1,396 |
| Net loans and leases to core deposits | 95.7961% | 1,818 |
| Total domestic deposits to total assets | 88.7904% | 1,251 |
| Equity capital to assets | 10.9472% | 2,939 |
| Core capital (leverage) ratio | 10.1884% | 3,349 |
| Tier 1 risk-based capital ratio | 13.0576% | 4,487 |
| Total risk-based capital ratio | 14.0131% | 4,562 |
| Memoranda: | ||
| Average total assets | $327,142,670 | 2,034 |
| Average earning assets | $299,046,000 | 2,051 |
| Average equity | $35,215,000 | 2,041 |
| Average total loans | $246,976,330 | 1,762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,011 |
| Cost of funding earning assets | 0.2311% | 5,200 |
| Net interest margin | 3.8260% | 2,146 |
| Noninterest income to average assets | 0.4688% | 3,511 |
| Noninterest expense to average assets | 3.4315% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3187% | 5,345 |
| Return on assets (ROA) | 0.3187% | 5,453 |
| Pretax return on assets | 0.5401% | 5,071 |
| Return on Equity (ROE) | 2.9862% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.9862% | 4,186 |
| Net charge-offs to loans | -0.0120% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2540% | 1,249 |
| Assets per employee ($millions) | 5.4562% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,984 |
| Loan loss allowance to noncurrent loans | 49.0790% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 1,794 |
| Noncurrent loans to loans | 2.0496% | 1,269 |
| Net loans and leases to total assets | 70.9047% | 1,999 |
| Net loans and leases to deposits | 79.6674% | 2,598 |
| Net loans and leases to core deposits | 82.3717% | 2,924 |
| Total domestic deposits to total assets | 89.0009% | 1,270 |
| Equity capital to assets | 10.7509% | 3,260 |
| Core capital (leverage) ratio | 10.1786% | 3,368 |
| Tier 1 risk-based capital ratio | 13.8743% | 4,104 |
| Total risk-based capital ratio | 14.9128% | 4,145 |
| Memoranda: | ||
| Average total assets | $325,101,500 | 2,050 |
| Average earning assets | $297,648,000 | 2,067 |
| Average equity | $34,692,500 | 2,086 |
| Average total loans | $234,282,000 | 1,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 2,098 |
| Cost of funding earning assets | 0.2330% | 5,493 |
| Net interest margin | 4.2088% | 1,274 |
| Noninterest income to average assets | 1.0366% | 1,141 |
| Noninterest expense to average assets | 3.8175% | 967 |
| Loan and lease loss provision to assets | -0.1262% | 6,192 |
| Net operating income to assets | 1.6707% | 613 |
| Return on assets (ROA) | 1.7144% | 584 |
| Pretax return on assets | 1.2321% | 2,517 |
| Return on Equity (ROE) | 15.1947% | 746 |
| Retained earnings to average equity (ytd only) | 15.1947% | 143 |
| Net charge-offs to loans | -0.1816% | 6,245 |
| Credit loss provision to net charge-offs | 86.9565% | 2,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4302% | 2,288 |
| Assets per employee ($millions) | 4.5997% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,864 |
| Loan loss allowance to noncurrent loans | 48.8857% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5411% | 1,759 |
| Noncurrent loans to loans | 2.1249% | 1,279 |
| Net loans and leases to total assets | 71.7713% | 1,943 |
| Net loans and leases to deposits | 80.6627% | 2,648 |
| Net loans and leases to core deposits | 83.4399% | 2,960 |
| Total domestic deposits to total assets | 88.9771% | 1,255 |
| Equity capital to assets | 10.5878% | 3,373 |
| Core capital (leverage) ratio | 10.8679% | 2,536 |
| Tier 1 risk-based capital ratio | 14.1791% | 3,979 |
| Total risk-based capital ratio | 15.3110% | 3,970 |
| Memoranda: | ||
| Average total assets | $237,802,600 | 2,633 |
| Average earning assets | $217,141,400 | 2,646 |
| Average equity | $26,831,800 | 2,506 |
| Average total loans | $189,993,200 | 2,119 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 1,712 |
| Cost of funding earning assets | 0.2277% | 5,614 |
| Net interest margin | 4.3189% | 1,012 |
| Noninterest income to average assets | 0.5213% | 3,400 |
| Noninterest expense to average assets | 3.7966% | 980 |
| Loan and lease loss provision to assets | -0.1836% | 6,372 |
| Net operating income to assets | 0.8431% | 3,218 |
| Return on assets (ROA) | 0.9221% | 2,907 |
| Pretax return on assets | 0.9221% | 3,897 |
| Return on Equity (ROE) | 7.9927% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.9927% | 1,364 |
| Net charge-offs to loans | -0.2378% | 6,341 |
| Credit loss provision to net charge-offs | 93.4579% | 2,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2922% | 1,356 |
| Assets per employee ($millions) | 5.0160% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 4,023 |
| Loan loss allowance to noncurrent loans | 1,239.2670% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 5,841 |
| Noncurrent loans to loans | 0.1000% | 5,639 |
| Net loans and leases to total assets | 79.9940% | 712 |
| Net loans and leases to deposits | 90.3234% | 1,392 |
| Net loans and leases to core deposits | 94.7622% | 1,777 |
| Total domestic deposits to total assets | 88.5639% | 1,468 |
| Equity capital to assets | 11.0399% | 2,912 |
| Core capital (leverage) ratio | 10.6311% | 2,884 |
| Tier 1 risk-based capital ratio | 13.4651% | 4,566 |
| Total risk-based capital ratio | 14.7163% | 4,504 |
| Memoranda: | ||
| Average total assets | $217,909,250 | 2,828 |
| Average earning assets | $198,532,750 | 2,845 |
| Average equity | $25,139,000 | 2,660 |
| Average total loans | $179,947,500 | 2,243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,697 |
| Cost of funding earning assets | 0.2168% | 5,778 |
| Net interest margin | 4.3214% | 984 |
| Noninterest income to average assets | 0.5209% | 3,336 |
| Noninterest expense to average assets | 3.8149% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6369% | 4,171 |
| Return on assets (ROA) | 0.7586% | 3,627 |
| Pretax return on assets | 0.7586% | 4,426 |
| Return on Equity (ROE) | 6.4726% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.4726% | 2,049 |
| Net charge-offs to loans | 0.0102% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 700 |
| Efficiency ratio | 84.7605% | 1,416 |
| Assets per employee ($millions) | 4.6485% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,197 |
| Loan loss allowance to noncurrent loans | 572.7941% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,105 |
| Noncurrent loans to loans | 0.2172% | 5,360 |
| Net loans and leases to total assets | 86.7359% | 140 |
| Net loans and leases to deposits | 98.7898% | 617 |
| Net loans and leases to core deposits | 104.2119% | 1,004 |
| Total domestic deposits to total assets | 87.7984% | 2,036 |
| Equity capital to assets | 11.8345% | 2,118 |
| Core capital (leverage) ratio | 10.8203% | 2,606 |
| Tier 1 risk-based capital ratio | 13.4077% | 4,647 |
| Total risk-based capital ratio | 14.6588% | 4,591 |
| Memoranda: | ||
| Average total assets | $211,961,000 | 2,892 |
| Average earning assets | $192,806,670 | 2,915 |
| Average equity | $24,843,000 | 2,675 |
| Average total loans | $176,278,000 | 2,279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,888 |
| Cost of funding earning assets | 0.2043% | 5,955 |
| Net interest margin | 4.2693% | 1,065 |
| Noninterest income to average assets | 0.4966% | 3,435 |
| Noninterest expense to average assets | 3.8460% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5326% | 4,541 |
| Return on assets (ROA) | 0.5326% | 4,612 |
| Pretax return on assets | 0.5326% | 5,072 |
| Return on Equity (ROE) | 4.5670% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.5670% | 3,384 |
| Net charge-offs to loans | -0.0258% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8831% | 1,352 |
| Assets per employee ($millions) | 5.0039% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 4,077 |
| Loan loss allowance to noncurrent loans | 502.5586% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 5,050 |
| Noncurrent loans to loans | 0.2606% | 5,320 |
| Net loans and leases to total assets | 80.6631% | 486 |
| Net loans and leases to deposits | 91.2105% | 1,018 |
| Net loans and leases to core deposits | 96.2460% | 1,368 |
| Total domestic deposits to total assets | 88.4362% | 1,969 |
| Equity capital to assets | 11.2531% | 2,476 |
| Core capital (leverage) ratio | 10.9427% | 2,442 |
| Tier 1 risk-based capital ratio | 13.7324% | 4,517 |
| Total risk-based capital ratio | 14.9847% | 4,470 |
| Memoranda: | ||
| Average total assets | $211,025,000 | 2,914 |
| Average earning assets | $191,881,500 | 2,954 |
| Average equity | $24,611,500 | 2,680 |
| Average total loans | $170,513,500 | 2,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 1,679 |
| Cost of funding earning assets | 0.2722% | 5,813 |
| Net interest margin | 4.3897% | 930 |
| Noninterest income to average assets | 0.5303% | 3,548 |
| Noninterest expense to average assets | 4.1001% | 776 |
| Loan and lease loss provision to assets | 0.0520% | 4,095 |
| Net operating income to assets | 0.6135% | 4,200 |
| Return on assets (ROA) | 0.6479% | 4,152 |
| Pretax return on assets | 0.4153% | 5,459 |
| Return on Equity (ROE) | 5.2791% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.2791% | 2,430 |
| Net charge-offs to loans | 0.1300% | 3,513 |
| Credit loss provision to net charge-offs | 49.2611% | 3,836 |
| Earnings coverage of net charge-offs (x) | 4.0985% | 3,673 |
| Efficiency ratio | 89.5305% | 1,064 |
| Assets per employee ($millions) | 4.5882% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 3,392 |
| Loan loss allowance to noncurrent loans | 423.4657% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,908 |
| Noncurrent loans to loans | 0.3439% | 5,154 |
| Net loans and leases to total assets | 78.6249% | 752 |
| Net loans and leases to deposits | 96.7606% | 686 |
| Net loans and leases to core deposits | 102.8178% | 981 |
| Total domestic deposits to total assets | 81.2572% | 5,108 |
| Equity capital to assets | 12.1097% | 1,739 |
| Core capital (leverage) ratio | 12.3282% | 1,437 |
| Tier 1 risk-based capital ratio | 15.5972% | 3,311 |
| Total risk-based capital ratio | 16.8520% | 3,265 |
| Memoranda: | ||
| Average total assets | $192,168,200 | 3,124 |
| Average earning assets | $175,230,000 | 3,144 |
| Average equity | $23,583,400 | 2,762 |
| Average total loans | $156,193,000 | 2,471 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 1,602 |
| Cost of funding earning assets | 0.3041% | 5,694 |
| Net interest margin | 4.3934% | 904 |
| Noninterest income to average assets | 0.4764% | 3,962 |
| Noninterest expense to average assets | 4.1389% | 731 |
| Loan and lease loss provision to assets | 0.0703% | 3,658 |
| Net operating income to assets | 0.2769% | 5,684 |
| Return on assets (ROA) | 0.3106% | 5,696 |
| Pretax return on assets | 0.3106% | 5,847 |
| Return on Equity (ROE) | 2.5220% | 5,775 |
| Retained earnings to average equity (ytd only) | 2.5220% | 4,807 |
| Net charge-offs to loans | 0.3183% | 1,950 |
| Credit loss provision to net charge-offs | 27.0270% | 3,950 |
| Earnings coverage of net charge-offs (x) | 1.3351% | 4,394 |
| Efficiency ratio | 91.3221% | 895 |
| Assets per employee ($millions) | 4.4224% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 3,845 |
| Loan loss allowance to noncurrent loans | 281.3953% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 4,651 |
| Noncurrent loans to loans | 0.5017% | 4,939 |
| Net loans and leases to total assets | 79.9818% | 547 |
| Net loans and leases to deposits | 92.3545% | 957 |
| Net loans and leases to core deposits | 99.7128% | 1,136 |
| Total domestic deposits to total assets | 86.6030% | 2,911 |
| Equity capital to assets | 12.4594% | 1,606 |
| Core capital (leverage) ratio | 11.4440% | 2,087 |
| Tier 1 risk-based capital ratio | 16.0110% | 3,188 |
| Total risk-based capital ratio | 17.2655% | 3,140 |
| Memoranda: | ||
| Average total assets | $189,740,250 | 3,186 |
| Average earning assets | $173,163,750 | 3,199 |
| Average equity | $23,367,500 | 2,812 |
| Average total loans | $154,972,750 | 2,500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,941 |
| Cost of funding earning assets | 0.3170% | 5,697 |
| Net interest margin | 4.2544% | 1,132 |
| Noninterest income to average assets | 0.3376% | 4,974 |
| Noninterest expense to average assets | 4.1994% | 695 |
| Loan and lease loss provision to assets | 0.1055% | 3,029 |
| Net operating income to assets | -0.0738% | 6,381 |
| Return on assets (ROA) | -0.0738% | 6,428 |
| Pretax return on assets | -0.0738% | 6,414 |
| Return on Equity (ROE) | -0.6019% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.6019% | 5,980 |
| Net charge-offs to loans | 0.3711% | 1,718 |
| Credit loss provision to net charge-offs | 34.7222% | 3,506 |
| Earnings coverage of net charge-offs (x) | 0.1042% | 4,509 |
| Efficiency ratio | 98.2548% | 555 |
| Assets per employee ($millions) | 4.5968% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,920 |
| Loan loss allowance to noncurrent loans | 80.6636% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 2,925 |
| Noncurrent loans to loans | 1.7668% | 2,680 |
| Net loans and leases to total assets | 80.9993% | 439 |
| Net loans and leases to deposits | 93.0990% | 875 |
| Net loans and leases to core deposits | 101.5975% | 970 |
| Total domestic deposits to total assets | 87.0035% | 2,821 |
| Equity capital to assets | 12.0347% | 1,893 |
| Core capital (leverage) ratio | 11.1776% | 2,194 |
| Tier 1 risk-based capital ratio | 15.8294% | 3,300 |
| Total risk-based capital ratio | 17.0850% | 3,244 |
| Memoranda: | ||
| Average total assets | $189,599,670 | 3,201 |
| Average earning assets | $173,515,670 | 3,205 |
| Average equity | $23,259,000 | 2,838 |
| Average total loans | $155,206,000 | 2,500 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 1,747 |
| Cost of funding earning assets | 0.3365% | 5,667 |
| Net interest margin | 4.2928% | 982 |
| Noninterest income to average assets | 0.2981% | 5,322 |
| Noninterest expense to average assets | 4.3137% | 619 |
| Loan and lease loss provision to assets | 0.2129% | 1,740 |
| Net operating income to assets | -0.2896% | 6,569 |
| Return on assets (ROA) | -0.2896% | 6,607 |
| Pretax return on assets | -0.2896% | 6,598 |
| Return on Equity (ROE) | -2.3377% | 6,577 |
| Retained earnings to average equity (ytd only) | -2.3377% | 6,117 |
| Net charge-offs to loans | 1.2613% | 451 |
| Credit loss provision to net charge-offs | 20.6612% | 3,025 |
| Earnings coverage of net charge-offs (x) | -0.0744% | 3,848 |
| Efficiency ratio | 100.8040% | 518 |
| Assets per employee ($millions) | 4.5538% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,573 |
| Loan loss allowance to noncurrent loans | 45.8278% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.4134% | 1,927 |
| Noncurrent loans to loans | 2.8932% | 1,744 |
| Net loans and leases to total assets | 82.3096% | 268 |
| Net loans and leases to deposits | 94.9984% | 607 |
| Net loans and leases to core deposits | 104.0347% | 715 |
| Total domestic deposits to total assets | 86.6432% | 3,159 |
| Equity capital to assets | 12.4393% | 1,747 |
| Core capital (leverage) ratio | 11.9773% | 1,577 |
| Tier 1 risk-based capital ratio | 16.4374% | 3,039 |
| Total risk-based capital ratio | 17.6979% | 2,987 |
| Memoranda: | ||
| Average total assets | $187,866,000 | 3,251 |
| Average earning assets | $172,383,500 | 3,250 |
| Average equity | $23,271,000 | 2,888 |
| Average total loans | $153,487,000 | 2,529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 1,677 |
| Cost of funding earning assets | 0.4490% | 5,584 |
| Net interest margin | 4.5054% | 941 |
| Noninterest income to average assets | 0.3403% | 5,026 |
| Noninterest expense to average assets | 4.0827% | 885 |
| Loan and lease loss provision to assets | 0.0575% | 5,057 |
| Net operating income to assets | 0.5671% | 4,391 |
| Return on assets (ROA) | 0.5948% | 4,526 |
| Pretax return on assets | 0.3972% | 5,588 |
| Return on Equity (ROE) | 4.8177% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,466 |
| Net charge-offs to loans | 0.2559% | 3,409 |
| Credit loss provision to net charge-offs | 27.9898% | 5,155 |
| Earnings coverage of net charge-offs (x) | 2.0789% | 4,372 |
| Efficiency ratio | 89.6036% | 1,100 |
| Assets per employee ($millions) | 4.8468% | 2,421 |
| Cash dividends to net income (ytd only)* | 19.5079% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,221 |
| Loan loss allowance to noncurrent loans | 41.3682% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 3.1318% | 1,497 |
| Noncurrent loans to loans | 3.9145% | 1,225 |
| Net loans and leases to total assets | 78.7103% | 596 |
| Net loans and leases to deposits | 90.8083% | 995 |
| Net loans and leases to core deposits | 101.1599% | 949 |
| Total domestic deposits to total assets | 86.6775% | 3,003 |
| Equity capital to assets | 12.3353% | 1,838 |
| Core capital (leverage) ratio | 11.3711% | 1,962 |
| Tier 1 risk-based capital ratio | 17.5110% | 2,451 |
| Total risk-based capital ratio | 18.7698% | 2,423 |
| Memoranda: | ||
| Average total assets | $191,319,200 | 3,159 |
| Average earning assets | $177,052,800 | 3,133 |
| Average equity | $23,621,400 | 2,785 |
| Average total loans | $153,585,000 | 2,520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 1,579 |
| Cost of funding earning assets | 0.4678% | 5,659 |
| Net interest margin | 4.5732% | 859 |
| Noninterest income to average assets | 0.3057% | 5,340 |
| Noninterest expense to average assets | 4.1446% | 780 |
| Loan and lease loss provision to assets | 0.0764% | 4,687 |
| Net operating income to assets | 0.3231% | 5,532 |
| Return on assets (ROA) | 0.3481% | 5,642 |
| Pretax return on assets | 0.3481% | 5,850 |
| Return on Equity (ROE) | 2.8188% | 5,743 |
| Retained earnings to average equity (ytd only) | 1.8792% | 5,400 |
| Net charge-offs to loans | 0.3390% | 2,761 |
| Credit loss provision to net charge-offs | 28.0612% | 4,831 |
| Earnings coverage of net charge-offs (x) | 1.4669% | 4,548 |
| Efficiency ratio | 90.2905% | 1,020 |
| Assets per employee ($millions) | 4.8324% | 2,399 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 3,464 |
| Loan loss allowance to noncurrent loans | 65.8602% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 2,664 |
| Noncurrent loans to loans | 2.4496% | 2,348 |
| Net loans and leases to total assets | 77.2984% | 817 |
| Net loans and leases to deposits | 89.3592% | 1,215 |
| Net loans and leases to core deposits | 98.6185% | 1,220 |
| Total domestic deposits to total assets | 86.5030% | 2,978 |
| Equity capital to assets | 12.4902% | 1,896 |
| Core capital (leverage) ratio | 11.8067% | 1,767 |
| Tier 1 risk-based capital ratio | 18.0835% | 2,305 |
| Total risk-based capital ratio | 19.3425% | 2,278 |
| Memoranda: | ||
| Average total assets | $191,892,500 | 3,185 |
| Average earning assets | $177,842,500 | 3,163 |
| Average equity | $23,697,500 | 2,800 |
| Average total loans | $154,173,250 | 2,540 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 1,643 |
| Cost of funding earning assets | 0.4947% | 5,661 |
| Net interest margin | 4.5621% | 887 |
| Noninterest income to average assets | 0.3281% | 5,203 |
| Noninterest expense to average assets | 4.1813% | 749 |
| Loan and lease loss provision to assets | 0.1149% | 4,090 |
| Net operating income to assets | 0.2518% | 5,761 |
| Return on assets (ROA) | 0.2737% | 5,888 |
| Pretax return on assets | 0.2737% | 6,009 |
| Return on Equity (ROE) | 2.2251% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.2824% | 5,557 |
| Net charge-offs to loans | 0.2685% | 2,970 |
| Credit loss provision to net charge-offs | 52.8846% | 3,978 |
| Earnings coverage of net charge-offs (x) | 1.6875% | 4,145 |
| Efficiency ratio | 91.0177% | 995 |
| Assets per employee ($millions) | 4.5197% | 2,869 |
| Cash dividends to net income (ytd only)* | 42.3664% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 3,372 |
| Loan loss allowance to noncurrent loans | 64.3066% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1577% | 2,602 |
| Noncurrent loans to loans | 2.5912% | 2,318 |
| Net loans and leases to total assets | 81.8857% | 343 |
| Net loans and leases to deposits | 94.7009% | 716 |
| Net loans and leases to core deposits | 105.5848% | 764 |
| Total domestic deposits to total assets | 86.4677% | 3,090 |
| Equity capital to assets | 12.5540% | 1,782 |
| Core capital (leverage) ratio | 11.5375% | 1,878 |
| Tier 1 risk-based capital ratio | 16.8328% | 2,746 |
| Total risk-based capital ratio | 18.0922% | 2,698 |
| Memoranda: | ||
| Average total assets | $191,425,000 | 3,197 |
| Average earning assets | $177,066,670 | 3,176 |
| Average equity | $23,549,000 | 2,804 |
| Average total loans | $154,943,000 | 2,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,656 |
| Cost of funding earning assets | 0.5089% | 5,757 |
| Net interest margin | 4.5641% | 883 |
| Noninterest income to average assets | 0.3184% | 5,325 |
| Noninterest expense to average assets | 4.1556% | 781 |
| Loan and lease loss provision to assets | 0.2289% | 2,658 |
| Net operating income to assets | 0.1519% | 6,114 |
| Return on assets (ROA) | 0.1519% | 6,245 |
| Pretax return on assets | 0.1519% | 6,292 |
| Return on Equity (ROE) | 1.2474% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.2905% | 5,889 |
| Net charge-offs to loans | 0.0365% | 4,187 |
| Credit loss provision to net charge-offs | 785.7143% | 439 |
| Earnings coverage of net charge-offs (x) | 13.0714% | 1,559 |
| Efficiency ratio | 90.6881% | 1,040 |
| Assets per employee ($millions) | 4.7921% | 2,522 |
| Cash dividends to net income (ytd only)* | 76.7123% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 3,095 |
| Loan loss allowance to noncurrent loans | 67.3013% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.4889% | 2,374 |
| Noncurrent loans to loans | 2.6295% | 2,473 |
| Net loans and leases to total assets | 79.8952% | 413 |
| Net loans and leases to deposits | 91.7376% | 814 |
| Net loans and leases to core deposits | 102.1793% | 857 |
| Total domestic deposits to total assets | 87.0910% | 2,906 |
| Equity capital to assets | 11.9450% | 2,084 |
| Core capital (leverage) ratio | 11.3566% | 1,997 |
| Tier 1 risk-based capital ratio | 16.2525% | 3,042 |
| Total risk-based capital ratio | 17.5133% | 2,998 |
| Memoranda: | ||
| Average total assets | $192,223,500 | 3,208 |
| Average earning assets | $177,646,000 | 3,179 |
| Average equity | $23,408,000 | 2,810 |
| Average total loans | $153,376,500 | 2,582 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5312% | 1,093 |
| Cost of funding earning assets | 0.6681% | 5,724 |
| Net interest margin | 4.8630% | 552 |
| Noninterest income to average assets | 0.3226% | 5,236 |
| Noninterest expense to average assets | 4.0295% | 1,001 |
| Loan and lease loss provision to assets | 0.4352% | 2,421 |
| Net operating income to assets | 0.5718% | 4,141 |
| Return on assets (ROA) | 0.5935% | 4,210 |
| Pretax return on assets | 0.4015% | 5,293 |
| Return on Equity (ROE) | 5.0730% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.0407% | 3,319 |
| Net charge-offs to loans | 0.3507% | 3,646 |
| Credit loss provision to net charge-offs | 152.3810% | 1,842 |
| Earnings coverage of net charge-offs (x) | 2.8533% | 3,784 |
| Efficiency ratio | 82.2796% | 1,977 |
| Assets per employee ($millions) | 4.4755% | 2,956 |
| Cash dividends to net income (ytd only)* | 20.3483% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 2,679 |
| Loan loss allowance to noncurrent loans | 59.6507% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.6898% | 2,261 |
| Noncurrent loans to loans | 3.1167% | 2,075 |
| Net loans and leases to total assets | 76.7237% | 861 |
| Net loans and leases to deposits | 88.7868% | 1,291 |
| Net loans and leases to core deposits | 100.0645% | 1,168 |
| Total domestic deposits to total assets | 86.4134% | 3,068 |
| Equity capital to assets | 12.4205% | 1,845 |
| Core capital (leverage) ratio | 11.5445% | 1,851 |
| Tier 1 risk-based capital ratio | 16.8944% | 2,651 |
| Total risk-based capital ratio | 18.1556% | 2,606 |
| Memoranda: | ||
| Average total assets | $183,817,400 | 3,277 |
| Average earning assets | $170,922,800 | 3,231 |
| Average equity | $21,506,200 | 2,949 |
| Average total loans | $149,688,400 | 2,646 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 1,151 |
| Cost of funding earning assets | 0.7062% | 5,719 |
| Net interest margin | 4.8401% | 577 |
| Noninterest income to average assets | 0.3399% | 5,139 |
| Noninterest expense to average assets | 4.0390% | 962 |
| Loan and lease loss provision to assets | 0.4960% | 2,003 |
| Net operating income to assets | 0.3035% | 5,383 |
| Return on assets (ROA) | 0.3035% | 5,557 |
| Pretax return on assets | 0.3042% | 5,695 |
| Return on Equity (ROE) | 2.6354% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.5774% | 5,349 |
| Net charge-offs to loans | 0.3963% | 3,129 |
| Credit loss provision to net charge-offs | 152.1253% | 2,046 |
| Earnings coverage of net charge-offs (x) | 2.4541% | 3,901 |
| Efficiency ratio | 82.5595% | 1,897 |
| Assets per employee ($millions) | 4.6678% | 2,660 |
| Cash dividends to net income (ytd only)* | 40.1442% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 3,001 |
| Loan loss allowance to noncurrent loans | 56.8470% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 2,384 |
| Noncurrent loans to loans | 3.1389% | 2,217 |
| Net loans and leases to total assets | 77.3670% | 789 |
| Net loans and leases to deposits | 90.5574% | 1,153 |
| Net loans and leases to core deposits | 103.4219% | 1,012 |
| Total domestic deposits to total assets | 85.4342% | 3,539 |
| Equity capital to assets | 11.9145% | 2,319 |
| Core capital (leverage) ratio | 11.7654% | 1,846 |
| Tier 1 risk-based capital ratio | 15.9925% | 3,125 |
| Total risk-based capital ratio | 17.2521% | 3,078 |
| Memoranda: | ||
| Average total assets | $182,778,750 | 3,306 |
| Average earning assets | $169,911,250 | 3,253 |
| Average equity | $21,046,000 | 3,002 |
| Average total loans | $150,372,750 | 2,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6687% | 929 |
| Cost of funding earning assets | 0.7511% | 5,659 |
| Net interest margin | 4.9176% | 468 |
| Noninterest income to average assets | 0.3813% | 4,830 |
| Noninterest expense to average assets | 4.1087% | 906 |
| Loan and lease loss provision to assets | 0.5558% | 1,737 |
| Net operating income to assets | 0.2790% | 5,455 |
| Return on assets (ROA) | 0.2790% | 5,584 |
| Pretax return on assets | 0.2801% | 5,709 |
| Return on Equity (ROE) | 2.4535% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.3685% | 5,309 |
| Net charge-offs to loans | 0.4366% | 2,827 |
| Credit loss provision to net charge-offs | 152.4390% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.2927% | 3,681 |
| Efficiency ratio | 82.1942% | 2,072 |
| Assets per employee ($millions) | 4.4626% | 2,902 |
| Cash dividends to net income (ytd only)* | 44.2231% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 3,035 |
| Loan loss allowance to noncurrent loans | 62.0779% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.3147% | 2,846 |
| Noncurrent loans to loans | 2.8792% | 2,537 |
| Net loans and leases to total assets | 78.9550% | 654 |
| Net loans and leases to deposits | 93.0056% | 948 |
| Net loans and leases to core deposits | 102.8807% | 1,123 |
| Total domestic deposits to total assets | 84.8927% | 3,923 |
| Equity capital to assets | 12.3335% | 1,882 |
| Core capital (leverage) ratio | 11.9296% | 1,639 |
| Tier 1 risk-based capital ratio | 16.3197% | 2,822 |
| Total risk-based capital ratio | 17.5797% | 2,787 |
| Memoranda: | ||
| Average total assets | $179,911,670 | 3,374 |
| Average earning assets | $166,952,000 | 3,321 |
| Average equity | $20,460,670 | 3,068 |
| Average total loans | $150,245,330 | 2,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8184% | 717 |
| Cost of funding earning assets | 0.7735% | 5,725 |
| Net interest margin | 5.0449% | 351 |
| Noninterest income to average assets | 0.4328% | 4,430 |
| Noninterest expense to average assets | 4.0855% | 938 |
| Loan and lease loss provision to assets | 0.6727% | 1,267 |
| Net operating income to assets | 0.3543% | 5,156 |
| Return on assets (ROA) | 0.3543% | 5,230 |
| Pretax return on assets | 0.3543% | 5,487 |
| Return on Equity (ROE) | 3.2564% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.1022% | 4,879 |
| Net charge-offs to loans | 0.0896% | 4,051 |
| Credit loss provision to net charge-offs | 882.3529% | 436 |
| Earnings coverage of net charge-offs (x) | 13.4706% | 1,433 |
| Efficiency ratio | 79.0351% | 2,687 |
| Assets per employee ($millions) | 4.6532% | 2,652 |
| Cash dividends to net income (ytd only)* | 35.4430% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,930 |
| Loan loss allowance to noncurrent loans | 50.6510% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 3.0404% | 2,272 |
| Noncurrent loans to loans | 3.6067% | 2,059 |
| Net loans and leases to total assets | 82.7571% | 292 |
| Net loans and leases to deposits | 96.0177% | 690 |
| Net loans and leases to core deposits | 106.1777% | 930 |
| Total domestic deposits to total assets | 86.1894% | 3,410 |
| Equity capital to assets | 11.0066% | 2,680 |
| Core capital (leverage) ratio | 10.4226% | 2,681 |
| Tier 1 risk-based capital ratio | 13.8625% | 4,165 |
| Total risk-based capital ratio | 15.1191% | 4,135 |
| Memoranda: | ||
| Average total assets | $178,385,000 | 3,408 |
| Average earning assets | $165,474,500 | 3,370 |
| Average equity | $19,408,000 | 3,204 |
| Average total loans | $151,823,500 | 2,690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 2,677 |
| Cost of funding earning assets | 1.0355% | 5,512 |
| Net interest margin | 4.3633% | 1,605 |
| Noninterest income to average assets | 0.3654% | 5,183 |
| Noninterest expense to average assets | 4.0995% | 1,024 |
| Loan and lease loss provision to assets | 0.8412% | 1,951 |
| Net operating income to assets | -0.5722% | 6,432 |
| Return on assets (ROA) | -0.5025% | 6,421 |
| Pretax return on assets | -0.5018% | 6,324 |
| Return on Equity (ROE) | -3.3941% | 6,312 |
| Retained earnings to average equity (ytd only) | -4.4704% | 6,242 |
| Net charge-offs to loans | 0.8119% | 2,607 |
| Credit loss provision to net charge-offs | 128.5391% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.4122% | 5,694 |
| Efficiency ratio | 93.7065% | 1,075 |
| Assets per employee ($millions) | 4.9986% | 2,157 |
| Cash dividends to net income (ytd only)* | -31.7109% | 7,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,615 |
| Loan loss allowance to noncurrent loans | 49.3076% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 2.7691% | 2,531 |
| Noncurrent loans to loans | 3.2233% | 2,355 |
| Net loans and leases to total assets | 84.5434% | 264 |
| Net loans and leases to deposits | 97.8341% | 733 |
| Net loans and leases to core deposits | 107.0017% | 1,126 |
| Total domestic deposits to total assets | 86.4150% | 3,126 |
| Equity capital to assets | 10.7553% | 2,900 |
| Core capital (leverage) ratio | 12.3600% | 1,369 |
| Tier 1 risk-based capital ratio | 12.3430% | 5,167 |
| Total risk-based capital ratio | 13.5993% | 5,135 |
| Memoranda: | ||
| Average total assets | $134,920,200 | 4,157 |
| Average earning assets | $123,804,000 | 4,156 |
| Average equity | $19,975,800 | 3,149 |
| Average total loans | $108,755,000 | 3,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 2,165 |
| Cost of funding earning assets | 1.1510% | 5,144 |
| Net interest margin | 4.4217% | 1,457 |
| Noninterest income to average assets | 0.4367% | 4,659 |
| Noninterest expense to average assets | 4.1973% | 835 |
| Loan and lease loss provision to assets | 0.3558% | 3,768 |
| Net operating income to assets | -0.0793% | 6,160 |
| Return on assets (ROA) | 0.0129% | 6,100 |
| Pretax return on assets | 0.0140% | 6,069 |
| Return on Equity (ROE) | 0.0795% | 6,108 |
| Retained earnings to average equity (ytd only) | -0.9736% | 6,011 |
| Net charge-offs to loans | 0.9127% | 2,170 |
| Credit loss provision to net charge-offs | 49.5495% | 5,891 |
| Earnings coverage of net charge-offs (x) | 0.3754% | 5,656 |
| Efficiency ratio | 93.9657% | 1,000 |
| Assets per employee ($millions) | 5.0446% | 2,118 |
| Cash dividends to net income (ytd only)* | 1,324.9375% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 2,550 |
| Loan loss allowance to noncurrent loans | 80.9792% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 2.8492% | 2,546 |
| Noncurrent loans to loans | 2.3178% | 3,323 |
| Net loans and leases to total assets | 74.4960% | 1,690 |
| Net loans and leases to deposits | 92.2584% | 1,410 |
| Net loans and leases to core deposits | 106.7368% | 1,260 |
| Total domestic deposits to total assets | 80.7472% | 5,465 |
| Equity capital to assets | 15.3583% | 805 |
| Core capital (leverage) ratio | 15.6328% | 617 |
| Tier 1 risk-based capital ratio | 19.8446% | 1,581 |
| Total risk-based capital ratio | 21.1041% | 1,546 |
| Memoranda: | ||
| Average total assets | $123,663,000 | 4,464 |
| Average earning assets | $112,714,500 | 4,464 |
| Average equity | $20,131,250 | 3,175 |
| Average total loans | $97,295,750 | 3,937 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5061% | 2,489 |
| Cost of funding earning assets | 1.2156% | 5,043 |
| Net interest margin | 4.2906% | 1,814 |
| Noninterest income to average assets | 0.4655% | 4,393 |
| Noninterest expense to average assets | 4.2224% | 793 |
| Loan and lease loss provision to assets | 0.3004% | 3,989 |
| Net operating income to assets | -0.1321% | 6,269 |
| Return on assets (ROA) | -0.1321% | 6,343 |
| Pretax return on assets | -0.1304% | 6,276 |
| Return on Equity (ROE) | -0.7950% | 6,294 |
| Retained earnings to average equity (ytd only) | -1.8284% | 6,118 |
| Net charge-offs to loans | 0.5097% | 3,001 |
| Credit loss provision to net charge-offs | 73.9837% | 4,859 |
| Earnings coverage of net charge-offs (x) | 0.4187% | 5,303 |
| Efficiency ratio | 96.1293% | 958 |
| Assets per employee ($millions) | 4.5479% | 2,795 |
| Cash dividends to net income (ytd only)* | -130.0000% | 7,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 2,073 |
| Loan loss allowance to noncurrent loans | 55.1520% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.0485% | 2,335 |
| Noncurrent loans to loans | 3.7132% | 2,103 |
| Net loans and leases to total assets | 80.4165% | 737 |
| Net loans and leases to deposits | 100.3567% | 693 |
| Net loans and leases to core deposits | 120.1037% | 689 |
| Total domestic deposits to total assets | 80.1307% | 5,692 |
| Equity capital to assets | 15.8141% | 704 |
| Core capital (leverage) ratio | 16.0602% | 560 |
| Tier 1 risk-based capital ratio | 19.6433% | 1,573 |
| Total risk-based capital ratio | 20.9039% | 1,548 |
| Memoranda: | ||
| Average total assets | $121,164,000 | 4,542 |
| Average earning assets | $110,894,670 | 4,539 |
| Average equity | $20,127,000 | 3,156 |
| Average total loans | $96,535,000 | 4,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 3,831 |
| Cost of funding earning assets | 1.2794% | 4,932 |
| Net interest margin | 3.9608% | 3,050 |
| Noninterest income to average assets | 0.3286% | 5,515 |
| Noninterest expense to average assets | 4.4717% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5353% | 6,852 |
| Return on assets (ROA) | -0.5353% | 6,885 |
| Pretax return on assets | -0.5353% | 6,812 |
| Return on Equity (ROE) | -3.1409% | 6,748 |
| Retained earnings to average equity (ytd only) | -4.0951% | 6,506 |
| Net charge-offs to loans | 0.4842% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.4107% | 5,423 |
| Efficiency ratio | 113.5972% | 538 |
| Assets per employee ($millions) | 4.7893% | 2,523 |
| Cash dividends to net income (ytd only)* | -30.3797% | 7,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 1,868 |
| Loan loss allowance to noncurrent loans | 87.3175% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.9250% | 3,596 |
| Noncurrent loans to loans | 2.4540% | 3,220 |
| Net loans and leases to total assets | 76.7613% | 1,376 |
| Net loans and leases to deposits | 97.1698% | 981 |
| Net loans and leases to core deposits | 128.2559% | 532 |
| Total domestic deposits to total assets | 78.9971% | 6,083 |
| Equity capital to assets | 16.0961% | 656 |
| Core capital (leverage) ratio | 17.2072% | 438 |
| Tier 1 risk-based capital ratio | 21.2049% | 1,308 |
| Total risk-based capital ratio | 22.4688% | 1,283 |
| Memoranda: | ||
| Average total assets | $118,075,000 | 4,674 |
| Average earning assets | $107,553,000 | 4,669 |
| Average equity | $20,121,500 | 3,191 |
| Average total loans | $92,530,000 | 4,152 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 3,893 |
| Cost of funding earning assets | 1.6100% | 4,987 |
| Net interest margin | 3.9371% | 3,136 |
| Noninterest income to average assets | 0.2186% | 6,549 |
| Noninterest expense to average assets | 4.2170% | 1,074 |
| Loan and lease loss provision to assets | 0.6428% | 3,229 |
| Net operating income to assets | -1.1075% | 6,648 |
| Return on assets (ROA) | -0.8889% | 6,502 |
| Pretax return on assets | -0.8880% | 6,336 |
| Return on Equity (ROE) | -5.3110% | 6,240 |
| Retained earnings to average equity (ytd only) | -5.7061% | 6,110 |
| Net charge-offs to loans | 0.9816% | 2,445 |
| Credit loss provision to net charge-offs | 84.1346% | 6,186 |
| Earnings coverage of net charge-offs (x) | -0.6070% | 6,757 |
| Efficiency ratio | 112.3563% | 760 |
| Assets per employee ($millions) | 5.0740% | 2,119 |
| Cash dividends to net income (ytd only)* | -7.4380% | 7,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 1,196 |
| Loan loss allowance to noncurrent loans | 82.0007% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,890 |
| Noncurrent loans to loans | 3.0773% | 2,490 |
| Net loans and leases to total assets | 76.3045% | 1,728 |
| Net loans and leases to deposits | 98.9085% | 1,008 |
| Net loans and leases to core deposits | 109.8632% | 2,909 |
| Total domestic deposits to total assets | 77.1466% | 6,431 |
| Equity capital to assets | 18.0957% | 440 |
| Core capital (leverage) ratio | 17.0552% | 487 |
| Tier 1 risk-based capital ratio | 23.9590% | 952 |
| Total risk-based capital ratio | 25.2285% | 928 |
| Memoranda: | ||
| Average total assets | $108,893,800 | 4,852 |
| Average earning assets | $97,762,000 | 4,900 |
| Average equity | $18,226,200 | 3,473 |
| Average total loans | $84,762,200 | 4,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6288% | 3,700 |
| Cost of funding earning assets | 1.6525% | 5,152 |
| Net interest margin | 3.9764% | 2,912 |
| Noninterest income to average assets | 0.3746% | 5,517 |
| Noninterest expense to average assets | 4.7240% | 604 |
| Loan and lease loss provision to assets | 0.6161% | 2,927 |
| Net operating income to assets | -1.4059% | 7,067 |
| Return on assets (ROA) | -1.1126% | 6,912 |
| Pretax return on assets | -1.1114% | 6,765 |
| Return on Equity (ROE) | -6.7895% | 6,641 |
| Retained earnings to average equity (ytd only) | -7.1053% | 6,519 |
| Net charge-offs to loans | 1.2270% | 1,669 |
| Credit loss provision to net charge-offs | 64.5995% | 6,088 |
| Earnings coverage of net charge-offs (x) | -0.8269% | 6,598 |
| Efficiency ratio | 120.0376% | 588 |
| Assets per employee ($millions) | 5.2853% | 1,803 |
| Cash dividends to net income (ytd only)* | -4.6513% | 7,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4241% | 1,143 |
| Loan loss allowance to noncurrent loans | 59.0272% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.8071% | 1,700 |
| Noncurrent loans to loans | 4.1068% | 1,778 |
| Net loans and leases to total assets | 68.3108% | 3,884 |
| Net loans and leases to deposits | 85.1806% | 3,469 |
| Net loans and leases to core deposits | 91.9408% | 5,239 |
| Total domestic deposits to total assets | 80.1953% | 5,365 |
| Equity capital to assets | 15.0738% | 985 |
| Core capital (leverage) ratio | 15.3482% | 796 |
| Tier 1 risk-based capital ratio | 21.4909% | 1,292 |
| Total risk-based capital ratio | 22.7658% | 1,264 |
| Memoranda: | ||
| Average total assets | $108,210,000 | 4,910 |
| Average earning assets | $96,903,250 | 4,958 |
| Average equity | $17,732,750 | 3,574 |
| Average total loans | $84,107,000 | 4,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 3,878 |
| Cost of funding earning assets | 1.6243% | 5,642 |
| Net interest margin | 4.0128% | 2,646 |
| Noninterest income to average assets | 0.4221% | 5,103 |
| Noninterest expense to average assets | 4.8921% | 555 |
| Loan and lease loss provision to assets | 0.9638% | 1,752 |
| Net operating income to assets | -1.7309% | 7,336 |
| Return on assets (ROA) | -1.2722% | 7,154 |
| Pretax return on assets | -1.2702% | 6,975 |
| Return on Equity (ROE) | -7.5275% | 6,855 |
| Retained earnings to average equity (ytd only) | -7.6644% | 6,632 |
| Net charge-offs to loans | 1.5780% | 1,197 |
| Credit loss provision to net charge-offs | 75.6430% | 5,308 |
| Earnings coverage of net charge-offs (x) | -0.6006% | 6,123 |
| Efficiency ratio | 118.5427% | 690 |
| Assets per employee ($millions) | 4.4386% | 2,861 |
| Cash dividends to net income (ytd only)* | -1.8182% | 7,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4971% | 902 |
| Loan loss allowance to noncurrent loans | 64.7812% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 1,994 |
| Noncurrent loans to loans | 3.8547% | 1,761 |
| Net loans and leases to total assets | 79.7589% | 1,352 |
| Net loans and leases to deposits | 103.9086% | 923 |
| Net loans and leases to core deposits | 115.6886% | 2,740 |
| Total domestic deposits to total assets | 76.7587% | 6,386 |
| Equity capital to assets | 17.3272% | 622 |
| Core capital (leverage) ratio | 16.8463% | 636 |
| Tier 1 risk-based capital ratio | 22.3954% | 1,201 |
| Total risk-based capital ratio | 23.6803% | 1,167 |
| Memoranda: | ||
| Average total assets | $103,759,330 | 5,050 |
| Average earning assets | $95,794,000 | 5,015 |
| Average equity | $17,535,670 | 3,609 |
| Average total loans | $83,775,000 | 4,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 3,692 |
| Cost of funding earning assets | 1.6400% | 5,859 |
| Net interest margin | 4.0808% | 2,353 |
| Noninterest income to average assets | 0.2657% | 6,319 |
| Noninterest expense to average assets | 4.7277% | 582 |
| Loan and lease loss provision to assets | 0.1563% | 4,933 |
| Net operating income to assets | -0.8947% | 7,188 |
| Return on assets (ROA) | 0.0352% | 6,328 |
| Pretax return on assets | 0.0352% | 6,312 |
| Return on Equity (ROE) | 0.2108% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.2108% | 5,574 |
| Net charge-offs to loans | 0.6578% | 1,868 |
| Credit loss provision to net charge-offs | 29.6296% | 4,949 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 5,416 |
| Efficiency ratio | 118.5113% | 656 |
| Assets per employee ($millions) | 4.2084% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 713 |
| Loan loss allowance to noncurrent loans | 104.5709% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 2.0378% | 2,839 |
| Noncurrent loans to loans | 2.4562% | 2,688 |
| Net loans and leases to total assets | 80.8353% | 1,228 |
| Net loans and leases to deposits | 103.8083% | 1,021 |
| Net loans and leases to core deposits | 116.8857% | 2,693 |
| Total domestic deposits to total assets | 77.8698% | 6,057 |
| Equity capital to assets | 16.1602% | 847 |
| Core capital (leverage) ratio | 16.7701% | 683 |
| Tier 1 risk-based capital ratio | 20.2878% | 1,565 |
| Total risk-based capital ratio | 21.5737% | 1,526 |
| Memoranda: | ||
| Average total assets | $102,376,000 | 5,115 |
| Average earning assets | $93,414,000 | 5,106 |
| Average equity | $17,074,500 | 3,718 |
| Average total loans | $82,092,500 | 4,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 4,478 |
| Cost of funding earning assets | 1.6401% | 7,369 |
| Net interest margin | 4.5673% | 1,264 |
| Noninterest income to average assets | 0.1487% | 7,353 |
| Noninterest expense to average assets | 7.9071% | 225 |
| Loan and lease loss provision to assets | 3.3533% | 255 |
| Net operating income to assets | -6.8365% | 8,188 |
| Return on assets (ROA) | -6.8365% | 8,184 |
| Pretax return on assets | -6.8353% | 8,154 |
| Return on Equity (ROE) | -27.9262% | 7,917 |
| Retained earnings to average equity (ytd only) | -27.9262% | 7,868 |
| Net charge-offs to loans | 2.0037% | 537 |
| Credit loss provision to net charge-offs | 240.7627% | 1,944 |
| Earnings coverage of net charge-offs (x) | -2.5000% | 6,737 |
| Efficiency ratio | 178.6877% | 251 |
| Assets per employee ($millions) | 3.8286% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0391% | 417 |
| Loan loss allowance to noncurrent loans | 126.4610% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 2,660 |
| Noncurrent loans to loans | 2.4032% | 2,283 |
| Net loans and leases to total assets | 74.9023% | 2,898 |
| Net loans and leases to deposits | 102.1020% | 1,579 |
| Net loans and leases to core deposits | 116.3582% | 3,086 |
| Total domestic deposits to total assets | 73.3603% | 6,760 |
| Equity capital to assets | 17.2257% | 757 |
| Core capital (leverage) ratio | 17.7740% | 628 |
| Tier 1 risk-based capital ratio | 21.6326% | 1,366 |
| Total risk-based capital ratio | 22.9234% | 1,324 |
| Memoranda: | ||
| Average total assets | $84,721,400 | 5,527 |
| Average earning assets | $79,324,400 | 5,457 |
| Average equity | $20,740,400 | 3,129 |
| Average total loans | $58,889,800 | 5,322 |