Home > California Pacific Bank > Performance and Condition Ratios
California Pacific Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6952% | 78 |
| Cost of funding earning assets | 0.7135% | 3,915 |
| Net interest margin | 8.9817% | 30 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 3.0290% | 1,086 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 4.2883% | 91 |
| Return on assets (ROA) | 4.2883% | 92 |
| Pretax return on assets | 6.0605% | 78 |
| Return on Equity (ROE) | 9.0600% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.0630% | 1,239 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 32.0510% | 4,486 |
| Assets per employee ($millions) | 9.6113% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3853% | 19 |
| Loan loss allowance to noncurrent loans | 198.5646% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 3.1410% | 65 |
| Noncurrent loans to loans | 4.2229% | 76 |
| Net loans and leases to total assets | 68.1400% | 2,021 |
| Net loans and leases to deposits | 132.8944% | 37 |
| Net loans and leases to core deposits | 194.8047% | 82 |
| Total domestic deposits to total assets | 51.2800% | 4,467 |
| Equity capital to assets | 47.5365% | 130 |
| Core capital (leverage) ratio | 46.4937% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.9271% | 89 |
| Memoranda: | ||
| Average total assets | $83,063,000 | 3,991 |
| Average earning assets | $76,099,200 | 3,964 |
| Average equity | $39,302,600 | 1,908 |
| Average total loans | $63,802,000 | 3,651 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2525% | 80 |
| Cost of funding earning assets | 0.5957% | 3,977 |
| Net interest margin | 8.6568% | 28 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 2.8838% | 1,258 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 4.1765% | 107 |
| Return on assets (ROA) | 4.1765% | 106 |
| Pretax return on assets | 5.9574% | 80 |
| Return on Equity (ROE) | 8.8400% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.8376% | 1,729 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 31.4635% | 4,506 |
| Assets per employee ($millions) | 8.3466% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4527% | 18 |
| Loan loss allowance to noncurrent loans | 194.5976% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 3.2600% | 57 |
| Noncurrent loans to loans | 4.3437% | 66 |
| Net loans and leases to total assets | 68.7100% | 1,972 |
| Net loans and leases to deposits | 135.8861% | 30 |
| Net loans and leases to core deposits | 174.0086% | 66 |
| Total domestic deposits to total assets | 50.5600% | 4,497 |
| Equity capital to assets | 48.0831% | 133 |
| Core capital (leverage) ratio | 46.3440% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8109% | 91 |
| Memoranda: | ||
| Average total assets | $82,203,250 | 4,014 |
| Average earning assets | $75,207,000 | 3,997 |
| Average equity | $38,848,250 | 1,908 |
| Average total loans | $63,667,750 | 3,659 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8987% | 81 |
| Cost of funding earning assets | 0.4975% | 3,983 |
| Net interest margin | 8.4012% | 32 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 2.9077% | 1,196 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 4.0351% | 98 |
| Return on assets (ROA) | 4.0351% | 99 |
| Pretax return on assets | 5.7592% | 79 |
| Return on Equity (ROE) | 8.5900% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.5893% | 1,793 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 32.6290% | 4,524 |
| Assets per employee ($millions) | 8.2983% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3905% | 21 |
| Loan loss allowance to noncurrent loans | 189.5985% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 3.3019% | 54 |
| Noncurrent loans to loans | 4.4254% | 71 |
| Net loans and leases to total assets | 68.3500% | 1,932 |
| Net loans and leases to deposits | 132.3039% | 47 |
| Net loans and leases to core deposits | 160.2894% | 99 |
| Total domestic deposits to total assets | 51.6600% | 4,517 |
| Equity capital to assets | 47.2482% | 131 |
| Core capital (leverage) ratio | 47.4984% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.6859% | 90 |
| Memoranda: | ||
| Average total assets | $81,782,333 | 4,031 |
| Average earning assets | $74,775,000 | 4,017 |
| Average equity | $38,420,000 | 1,924 |
| Average total loans | $64,009,333 | 3,654 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7765% | 42 |
| Cost of funding earning assets | 0.4095% | 3,942 |
| Net interest margin | 8.3670% | 26 |
| Noninterest income to average assets | 1.2600% | 415 |
| Noninterest expense to average assets | 2.3503% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 4.5971% | 82 |
| Return on assets (ROA) | 4.5971% | 82 |
| Pretax return on assets | 6.5630% | 71 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.8143% | 1,740 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 26.3682% | 4,626 |
| Assets per employee ($millions) | 8.8973% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7806% | 13 |
| Loan loss allowance to noncurrent loans | 186.6300% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 3.4093% | 35 |
| Noncurrent loans to loans | 4.1690% | 85 |
| Net loans and leases to total assets | 75.4100% | 1,031 |
| Net loans and leases to deposits | 149.8796% | 17 |
| Net loans and leases to core deposits | 179.8011% | 54 |
| Total domestic deposits to total assets | 50.3200% | 4,576 |
| Equity capital to assets | 48.0681% | 90 |
| Core capital (leverage) ratio | 46.8762% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5992% | 100 |
| Memoranda: | ||
| Average total assets | $81,182,000 | 4,087 |
| Average earning assets | $74,244,000 | 4,073 |
| Average equity | $38,026,000 | 1,963 |
| Average total loans | $65,056,500 | 3,676 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7578% | 115 |
| Cost of funding earning assets | 0.1381% | 4,187 |
| Net interest margin | 5.6197% | 73 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.3900% | 2,454 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | 2.2776% | 189 |
| Return on assets (ROA) | 2.2776% | 181 |
| Pretax return on assets | 3.1820% | 117 |
| Return on Equity (ROE) | 5.3200% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,914 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.1856% | 4,556 |
| Assets per employee ($millions) | 10.2860% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8833% | 12 |
| Loan loss allowance to noncurrent loans | 185.7455% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 3.3334% | 37 |
| Noncurrent loans to loans | 4.2442% | 81 |
| Net loans and leases to total assets | 72.3500% | 1,379 |
| Net loans and leases to deposits | 135.3253% | 30 |
| Net loans and leases to core deposits | 143.4509% | 122 |
| Total domestic deposits to total assets | 53.4600% | 4,605 |
| Equity capital to assets | 45.6458% | 90 |
| Core capital (leverage) ratio | 44.6183% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.7775% | 103 |
| Memoranda: | ||
| Average total assets | $85,354,200 | 4,071 |
| Average earning assets | $78,919,200 | 4,048 |
| Average equity | $36,563,200 | 2,050 |
| Average total loans | $58,970,400 | 3,749 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 180 |
| Cost of funding earning assets | 0.1052% | 4,242 |
| Net interest margin | 5.0109% | 115 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.1241% | 3,147 |
| Loan and lease loss provision to assets | 0.4600% | 115 |
| Net operating income to assets | 2.0854% | 254 |
| Return on assets (ROA) | 2.0854% | 254 |
| Pretax return on assets | 2.9911% | 140 |
| Return on Equity (ROE) | 4.9500% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.9457% | 3,120 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.0688% | 4,616 |
| Assets per employee ($millions) | 9.5541% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6637% | 12 |
| Loan loss allowance to noncurrent loans | 180.7383% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 3.1819% | 44 |
| Noncurrent loans to loans | 4.7935% | 63 |
| Net loans and leases to total assets | 60.6300% | 2,434 |
| Net loans and leases to deposits | 107.1969% | 170 |
| Net loans and leases to core deposits | 113.3526% | 380 |
| Total domestic deposits to total assets | 56.5600% | 4,637 |
| Equity capital to assets | 43.0309% | 92 |
| Core capital (leverage) ratio | 42.6082% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.8975% | 100 |
| Memoranda: | ||
| Average total assets | $86,120,750 | 4,087 |
| Average earning assets | $79,877,500 | 4,066 |
| Average equity | $36,313,750 | 2,096 |
| Average total loans | $57,555,500 | 3,794 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 245 |
| Cost of funding earning assets | 0.0899% | 4,292 |
| Net interest margin | 4.6387% | 159 |
| Noninterest income to average assets | 1.0724% | 578 |
| Noninterest expense to average assets | 1.8523% | 3,834 |
| Loan and lease loss provision to assets | 0.6963% | 68 |
| Net operating income to assets | 1.9846% | 235 |
| Return on assets (ROA) | 1.9846% | 237 |
| Pretax return on assets | 2.8341% | 119 |
| Return on Equity (ROE) | 4.7389% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.7389% | 2,804 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4114% | 4,689 |
| Assets per employee ($millions) | 10.2604% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0224% | 14 |
| Loan loss allowance to noncurrent loans | 180.3428% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 8.3038% | 7 |
| Noncurrent loans to loans | 4.4484% | 79 |
| Net loans and leases to total assets | 69.0703% | 1,389 |
| Net loans and leases to deposits | 125.5787% | 31 |
| Net loans and leases to core deposits | 133.3812% | 103 |
| Total domestic deposits to total assets | 55.0016% | 4,709 |
| Equity capital to assets | 44.4782% | 47 |
| Core capital (leverage) ratio | 39.3649% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.8117% | 70 |
| Memoranda: | ||
| Average total assets | $86,165,333 | 4,127 |
| Average earning assets | $80,066,333 | 4,119 |
| Average equity | $36,084,667 | 2,153 |
| Average total loans | $57,715,000 | 3,831 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 395 |
| Cost of funding earning assets | 0.0876% | 4,275 |
| Net interest margin | 4.2832% | 246 |
| Noninterest income to average assets | 0.9432% | 770 |
| Noninterest expense to average assets | 1.8049% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1903% | 165 |
| Return on assets (ROA) | 2.1903% | 165 |
| Pretax return on assets | 3.1290% | 91 |
| Return on Equity (ROE) | 5.3857% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.3857% | 2,449 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5809% | 4,696 |
| Assets per employee ($millions) | 11.6249% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4710% | 17 |
| Loan loss allowance to noncurrent loans | 200.4748% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 6.8721% | 10 |
| Noncurrent loans to loans | 3.7266% | 116 |
| Net loans and leases to total assets | 61.8598% | 1,880 |
| Net loans and leases to deposits | 102.2356% | 140 |
| Net loans and leases to core deposits | 107.2702% | 323 |
| Total domestic deposits to total assets | 60.5071% | 4,724 |
| Equity capital to assets | 38.8574% | 47 |
| Core capital (leverage) ratio | 39.9304% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4920% | 76 |
| Memoranda: | ||
| Average total assets | $88,206,500 | 4,118 |
| Average earning assets | $82,182,500 | 4,109 |
| Average equity | $35,872,500 | 2,220 |
| Average total loans | $55,752,500 | 3,871 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7877% | 364 |
| Cost of funding earning assets | 0.1423% | 4,040 |
| Net interest margin | 4.6454% | 220 |
| Noninterest income to average assets | 0.7057% | 1,748 |
| Noninterest expense to average assets | 2.8154% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4692% | 1,083 |
| Return on assets (ROA) | 1.4692% | 1,142 |
| Pretax return on assets | 2.1835% | 429 |
| Return on Equity (ROE) | 3.4082% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.4082% | 3,453 |
| Net charge-offs to loans | -0.0133% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3207% | 3,665 |
| Assets per employee ($millions) | 10.4268% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4160% | 12 |
| Loan loss allowance to noncurrent loans | 200.4748% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 7.6618% | 8 |
| Noncurrent loans to loans | 4.6968% | 83 |
| Net loans and leases to total assets | 53.5713% | 2,899 |
| Net loans and leases to deposits | 94.5315% | 368 |
| Net loans and leases to core deposits | 101.2507% | 485 |
| Total domestic deposits to total assets | 56.6703% | 4,779 |
| Equity capital to assets | 42.6883% | 40 |
| Core capital (leverage) ratio | 43.9638% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8856% | 57 |
| Memoranda: | ||
| Average total assets | $81,337,400 | 4,196 |
| Average earning assets | $75,171,400 | 4,192 |
| Average equity | $35,062,000 | 2,290 |
| Average total loans | $52,618,400 | 3,955 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 411 |
| Cost of funding earning assets | 0.1484% | 4,121 |
| Net interest margin | 4.6494% | 241 |
| Noninterest income to average assets | 0.6681% | 1,941 |
| Noninterest expense to average assets | 2.5769% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6629% | 900 |
| Return on assets (ROA) | 1.6629% | 940 |
| Pretax return on assets | 2.3822% | 400 |
| Return on Equity (ROE) | 3.8481% | 4,327 |
| Retained earnings to average equity (ytd only) | 3.8481% | 3,623 |
| Net charge-offs to loans | -0.0175% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9627% | 4,029 |
| Assets per employee ($millions) | 9.8870% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5283% | 14 |
| Loan loss allowance to noncurrent loans | 129.3151% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 9.6920% | 6 |
| Noncurrent loans to loans | 6.5949% | 47 |
| Net loans and leases to total assets | 62.9880% | 1,890 |
| Net loans and leases to deposits | 115.4199% | 61 |
| Net loans and leases to core deposits | 126.9390% | 138 |
| Total domestic deposits to total assets | 54.5729% | 4,852 |
| Equity capital to assets | 44.7823% | 39 |
| Core capital (leverage) ratio | 44.9306% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4930% | 75 |
| Memoranda: | ||
| Average total assets | $80,818,250 | 4,259 |
| Average earning assets | $74,588,500 | 4,253 |
| Average equity | $34,925,500 | 2,326 |
| Average total loans | $53,440,250 | 3,993 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 629 |
| Cost of funding earning assets | 0.1489% | 4,215 |
| Net interest margin | 4.4493% | 390 |
| Noninterest income to average assets | 0.6217% | 2,122 |
| Noninterest expense to average assets | 2.4818% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5726% | 1,111 |
| Return on assets (ROA) | 1.5726% | 1,171 |
| Pretax return on assets | 2.2508% | 525 |
| Return on Equity (ROE) | 3.6824% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.6824% | 3,624 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4403% | 3,997 |
| Assets per employee ($millions) | 9.9755% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6276% | 16 |
| Loan loss allowance to noncurrent loans | 200.1726% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 8.0084% | 9 |
| Noncurrent loans to loans | 4.3101% | 117 |
| Net loans and leases to total assets | 61.5508% | 2,227 |
| Net loans and leases to deposits | 111.1036% | 103 |
| Net loans and leases to core deposits | 121.9040% | 197 |
| Total domestic deposits to total assets | 55.3995% | 4,887 |
| Equity capital to assets | 43.9239% | 40 |
| Core capital (leverage) ratio | 43.1188% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.2203% | 71 |
| Memoranda: | ||
| Average total assets | $81,392,333 | 4,271 |
| Average earning assets | $75,203,333 | 4,272 |
| Average equity | $34,760,333 | 2,326 |
| Average total loans | $53,098,333 | 4,022 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 698 |
| Cost of funding earning assets | 0.1526% | 4,287 |
| Net interest margin | 4.4197% | 411 |
| Noninterest income to average assets | 0.6181% | 2,135 |
| Noninterest expense to average assets | 2.2437% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7229% | 908 |
| Return on assets (ROA) | 1.7229% | 953 |
| Pretax return on assets | 2.4627% | 462 |
| Return on Equity (ROE) | 4.0908% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.0908% | 3,476 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6732% | 4,361 |
| Assets per employee ($millions) | 9.0988% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7657% | 15 |
| Loan loss allowance to noncurrent loans | 203.3319% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 7.7605% | 12 |
| Noncurrent loans to loans | 4.3110% | 121 |
| Net loans and leases to total assets | 58.9493% | 2,680 |
| Net loans and leases to deposits | 103.8755% | 205 |
| Net loans and leases to core deposits | 113.4367% | 337 |
| Total domestic deposits to total assets | 56.7500% | 4,904 |
| Equity capital to assets | 42.4563% | 37 |
| Core capital (leverage) ratio | 41.6296% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.5109% | 64 |
| Memoranda: | ||
| Average total assets | $82,186,500 | 4,280 |
| Average earning assets | $76,023,000 | 4,280 |
| Average equity | $34,614,000 | 2,328 |
| Average total loans | $52,768,500 | 4,043 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 439 |
| Cost of funding earning assets | 0.1848% | 4,631 |
| Net interest margin | 4.8731% | 153 |
| Noninterest income to average assets | 0.9898% | 1,064 |
| Noninterest expense to average assets | 2.5678% | 2,647 |
| Loan and lease loss provision to assets | 0.5412% | 415 |
| Net operating income to assets | 1.6694% | 542 |
| Return on assets (ROA) | 1.6694% | 584 |
| Pretax return on assets | 2.3850% | 222 |
| Return on Equity (ROE) | 4.1057% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.1057% | 2,759 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7382% | 4,683 |
| Assets per employee ($millions) | 9.1649% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8131% | 15 |
| Loan loss allowance to noncurrent loans | 225.3644% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 7.4342% | 15 |
| Noncurrent loans to loans | 3.9106% | 145 |
| Net loans and leases to total assets | 58.1786% | 3,065 |
| Net loans and leases to deposits | 101.2939% | 324 |
| Net loans and leases to core deposits | 111.1502% | 475 |
| Total domestic deposits to total assets | 57.4354% | 4,923 |
| Equity capital to assets | 41.7790% | 40 |
| Core capital (leverage) ratio | 39.8287% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.4022% | 58 |
| Memoranda: | ||
| Average total assets | $83,144,400 | 4,208 |
| Average earning assets | $76,850,000 | 4,206 |
| Average equity | $33,806,400 | 2,298 |
| Average total loans | $56,352,200 | 3,975 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 500 |
| Cost of funding earning assets | 0.1921% | 4,695 |
| Net interest margin | 4.9110% | 166 |
| Noninterest income to average assets | 1.0499% | 946 |
| Noninterest expense to average assets | 2.5207% | 2,778 |
| Loan and lease loss provision to assets | 0.3601% | 1,040 |
| Net operating income to assets | 1.8981% | 373 |
| Return on assets (ROA) | 1.8981% | 408 |
| Pretax return on assets | 2.7095% | 156 |
| Return on Equity (ROE) | 4.7003% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.7003% | 2,692 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0902% | 4,752 |
| Assets per employee ($millions) | 11.1471% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0753% | 19 |
| Loan loss allowance to noncurrent loans | 218.5736% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 6.8325% | 28 |
| Noncurrent loans to loans | 3.6946% | 197 |
| Net loans and leases to total assets | 56.3318% | 3,591 |
| Net loans and leases to deposits | 92.8678% | 1,011 |
| Net loans and leases to core deposits | 100.6875% | 1,116 |
| Total domestic deposits to total assets | 60.6580% | 4,925 |
| Equity capital to assets | 38.4169% | 42 |
| Core capital (leverage) ratio | 38.7791% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.7699% | 66 |
| Memoranda: | ||
| Average total assets | $83,309,500 | 4,211 |
| Average earning assets | $77,022,250 | 4,207 |
| Average equity | $33,642,750 | 2,295 |
| Average total loans | $57,283,750 | 3,979 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 1,035 |
| Cost of funding earning assets | 0.2053% | 4,754 |
| Net interest margin | 4.6572% | 369 |
| Noninterest income to average assets | 1.1063% | 809 |
| Noninterest expense to average assets | 2.4682% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0552% | 294 |
| Return on assets (ROA) | 2.0552% | 328 |
| Pretax return on assets | 2.9329% | 125 |
| Return on Equity (ROE) | 5.0004% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.0004% | 2,472 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6987% | 4,741 |
| Assets per employee ($millions) | 9.5468% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6719% | 22 |
| Loan loss allowance to noncurrent loans | 122.3488% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 8.7255% | 21 |
| Noncurrent loans to loans | 5.4532% | 90 |
| Net loans and leases to total assets | 68.1824% | 2,318 |
| Net loans and leases to deposits | 114.2615% | 153 |
| Net loans and leases to core deposits | 125.6391% | 315 |
| Total domestic deposits to total assets | 59.6723% | 4,961 |
| Equity capital to assets | 39.4665% | 42 |
| Core capital (leverage) ratio | 40.2154% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.7927% | 85 |
| Memoranda: | ||
| Average total assets | $81,353,667 | 4,235 |
| Average earning assets | $75,024,000 | 4,238 |
| Average equity | $33,437,333 | 2,294 |
| Average total loans | $58,162,333 | 3,976 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 466 |
| Cost of funding earning assets | 0.2364% | 4,805 |
| Net interest margin | 5.1571% | 154 |
| Noninterest income to average assets | 1.1838% | 623 |
| Noninterest expense to average assets | 2.5142% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0893% | 228 |
| Return on assets (ROA) | 2.0893% | 250 |
| Pretax return on assets | 3.4147% | 61 |
| Return on Equity (ROE) | 4.9758% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.9758% | 2,287 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4061% | 4,930 |
| Assets per employee ($millions) | 8.9720% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4283% | 18 |
| Loan loss allowance to noncurrent loans | 121.7442% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 9.3055% | 23 |
| Noncurrent loans to loans | 6.1016% | 80 |
| Net loans and leases to total assets | 64.6344% | 2,989 |
| Net loans and leases to deposits | 113.2986% | 147 |
| Net loans and leases to core deposits | 125.9983% | 336 |
| Total domestic deposits to total assets | 57.0479% | 5,044 |
| Equity capital to assets | 41.4698% | 45 |
| Core capital (leverage) ratio | 42.8106% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.0497% | 78 |
| Memoranda: | ||
| Average total assets | $79,070,000 | 4,274 |
| Average earning assets | $72,754,500 | 4,276 |
| Average equity | $33,201,000 | 2,292 |
| Average total loans | $55,858,000 | 4,036 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8386% | 76 |
| Cost of funding earning assets | 0.2797% | 4,775 |
| Net interest margin | 6.5589% | 46 |
| Noninterest income to average assets | 1.4110% | 477 |
| Noninterest expense to average assets | 3.7480% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3556% | 166 |
| Return on assets (ROA) | 2.3556% | 177 |
| Pretax return on assets | 3.6763% | 72 |
| Return on Equity (ROE) | 5.5078% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.5078% | 2,159 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4832% | 4,708 |
| Assets per employee ($millions) | 8.5991% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5682% | 10 |
| Loan loss allowance to noncurrent loans | 184.3310% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 8.1998% | 25 |
| Noncurrent loans to loans | 4.1058% | 159 |
| Net loans and leases to total assets | 66.0908% | 2,939 |
| Net loans and leases to deposits | 117.6569% | 92 |
| Net loans and leases to core deposits | 130.9230% | 262 |
| Total domestic deposits to total assets | 56.1725% | 5,106 |
| Equity capital to assets | 42.5315% | 44 |
| Core capital (leverage) ratio | 41.3648% | 48 |
| Tier 1 risk-based capital ratio | 49.8448% | 135 |
| Total risk-based capital ratio | 51.1592% | 135 |
| Memoranda: | ||
| Average total assets | $75,266,400 | 4,360 |
| Average earning assets | $69,005,000 | 4,360 |
| Average equity | $32,191,000 | 2,292 |
| Average total loans | $55,366,800 | 4,072 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8892% | 76 |
| Cost of funding earning assets | 0.2784% | 4,850 |
| Net interest margin | 6.6108% | 46 |
| Noninterest income to average assets | 1.4362% | 442 |
| Noninterest expense to average assets | 3.3576% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.8009% | 104 |
| Return on assets (ROA) | 2.8009% | 111 |
| Pretax return on assets | 4.1372% | 60 |
| Return on Equity (ROE) | 6.5395% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.5395% | 2,093 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7989% | 4,982 |
| Assets per employee ($millions) | 9.3200% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4960% | 12 |
| Loan loss allowance to noncurrent loans | 8,725.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 5.5284% | 60 |
| Noncurrent loans to loans | 0.0859% | 4,259 |
| Net loans and leases to total assets | 69.3160% | 2,580 |
| Net loans and leases to deposits | 126.4144% | 59 |
| Net loans and leases to core deposits | 141.6799% | 169 |
| Total domestic deposits to total assets | 54.8323% | 5,188 |
| Equity capital to assets | 43.8747% | 46 |
| Core capital (leverage) ratio | 43.5732% | 45 |
| Tier 1 risk-based capital ratio | 48.9584% | 140 |
| Total risk-based capital ratio | 50.2724% | 139 |
| Memoranda: | ||
| Average total assets | $74,735,000 | 4,419 |
| Average earning assets | $68,492,000 | 4,423 |
| Average equity | $32,009,750 | 2,316 |
| Average total loans | $55,374,250 | 4,115 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9723% | 72 |
| Cost of funding earning assets | 0.2798% | 4,877 |
| Net interest margin | 6.6924% | 45 |
| Noninterest income to average assets | 1.4573% | 418 |
| Noninterest expense to average assets | 2.7248% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.3880% | 69 |
| Return on assets (ROA) | 3.3880% | 74 |
| Pretax return on assets | 4.8721% | 49 |
| Return on Equity (ROE) | 7.9747% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.9747% | 1,408 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8677% | 5,223 |
| Assets per employee ($millions) | 8.3647% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7809% | 8 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.4117% | 67 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.9334% | 3,118 |
| Net loans and leases to deposits | 116.6506% | 114 |
| Net loans and leases to core deposits | 130.1211% | 325 |
| Total domestic deposits to total assets | 56.5221% | 5,228 |
| Equity capital to assets | 43.0515% | 43 |
| Core capital (leverage) ratio | 42.5725% | 45 |
| Tier 1 risk-based capital ratio | 50.2527% | 133 |
| Total risk-based capital ratio | 51.5691% | 132 |
| Memoranda: | ||
| Average total assets | $74,793,330 | 4,454 |
| Average earning assets | $68,614,670 | 4,454 |
| Average equity | $31,775,330 | 2,318 |
| Average total loans | $55,209,000 | 4,141 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9133% | 74 |
| Cost of funding earning assets | 0.2578% | 4,963 |
| Net interest margin | 6.6555% | 48 |
| Noninterest income to average assets | 1.5077% | 384 |
| Noninterest expense to average assets | 2.7150% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.3803% | 74 |
| Return on assets (ROA) | 3.3803% | 76 |
| Pretax return on assets | 4.8881% | 53 |
| Return on Equity (ROE) | 8.0107% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.0107% | 1,654 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7092% | 5,273 |
| Assets per employee ($millions) | 8.4177% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4212% | 11 |
| Loan loss allowance to noncurrent loans | 1,246.4286% | 498 |
| Noncurrent assets plus other real estate owned to assets | 5.8211% | 53 |
| Noncurrent loans to loans | 0.5954% | 2,554 |
| Net loans and leases to total assets | 68.9621% | 2,627 |
| Net loans and leases to deposits | 120.7837% | 77 |
| Net loans and leases to core deposits | 136.3814% | 229 |
| Total domestic deposits to total assets | 57.0955% | 5,294 |
| Equity capital to assets | 41.9396% | 43 |
| Core capital (leverage) ratio | 42.0656% | 44 |
| Tier 1 risk-based capital ratio | 47.3588% | 152 |
| Total risk-based capital ratio | 48.6719% | 148 |
| Memoranda: | ||
| Average total assets | $74,549,000 | 4,506 |
| Average earning assets | $68,274,000 | 4,506 |
| Average equity | $31,458,000 | 2,334 |
| Average total loans | $55,901,500 | 4,167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0925% | 146 |
| Cost of funding earning assets | 0.1755% | 5,094 |
| Net interest margin | 5.9170% | 73 |
| Noninterest income to average assets | 1.4411% | 436 |
| Noninterest expense to average assets | 3.2035% | 1,541 |
| Loan and lease loss provision to assets | 0.3418% | 452 |
| Net operating income to assets | 2.3380% | 202 |
| Return on assets (ROA) | 2.3380% | 195 |
| Pretax return on assets | 3.2882% | 75 |
| Return on Equity (ROE) | 5.5640% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.5640% | 2,445 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8788% | 5,091 |
| Assets per employee ($millions) | 8.1488% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5637% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.5550% | 59 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.7882% | 2,596 |
| Net loans and leases to deposits | 123.2559% | 74 |
| Net loans and leases to core deposits | 136.3726% | 238 |
| Total domestic deposits to total assets | 56.6206% | 5,341 |
| Equity capital to assets | 42.4644% | 41 |
| Core capital (leverage) ratio | 40.3501% | 48 |
| Tier 1 risk-based capital ratio | 46.4550% | 159 |
| Total risk-based capital ratio | 47.7677% | 154 |
| Memoranda: | ||
| Average total assets | $73,139,400 | 4,534 |
| Average earning assets | $66,655,400 | 4,546 |
| Average equity | $30,733,200 | 2,300 |
| Average total loans | $51,238,600 | 4,293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 159 |
| Cost of funding earning assets | 0.1682% | 5,149 |
| Net interest margin | 5.7992% | 78 |
| Noninterest income to average assets | 1.4119% | 478 |
| Noninterest expense to average assets | 2.9023% | 2,299 |
| Loan and lease loss provision to assets | 0.3648% | 364 |
| Net operating income to assets | 2.4098% | 183 |
| Return on assets (ROA) | 2.4098% | 184 |
| Pretax return on assets | 3.4295% | 81 |
| Return on Equity (ROE) | 5.7501% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.7501% | 2,792 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3397% | 5,239 |
| Assets per employee ($millions) | 7.7999% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0919% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.8035% | 58 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.9396% | 3,952 |
| Net loans and leases to deposits | 106.6916% | 415 |
| Net loans and leases to core deposits | 118.9415% | 608 |
| Total domestic deposits to total assets | 55.2430% | 5,417 |
| Equity capital to assets | 43.7570% | 40 |
| Core capital (leverage) ratio | 43.0198% | 42 |
| Tier 1 risk-based capital ratio | 52.8901% | 120 |
| Total risk-based capital ratio | 54.2142% | 117 |
| Memoranda: | ||
| Average total assets | $73,089,500 | 4,587 |
| Average earning assets | $66,605,000 | 4,598 |
| Average equity | $30,630,750 | 2,309 |
| Average total loans | $50,205,750 | 4,356 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0098% | 140 |
| Cost of funding earning assets | 0.1306% | 5,319 |
| Net interest margin | 5.8792% | 77 |
| Noninterest income to average assets | 1.3585% | 520 |
| Noninterest expense to average assets | 2.7170% | 2,953 |
| Loan and lease loss provision to assets | 0.2701% | 558 |
| Net operating income to assets | 2.6035% | 127 |
| Return on assets (ROA) | 2.6035% | 127 |
| Pretax return on assets | 3.7217% | 65 |
| Return on Equity (ROE) | 6.3002% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.3002% | 2,414 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4992% | 5,391 |
| Assets per employee ($millions) | 7.9221% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0253% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.7140% | 68 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.0878% | 4,075 |
| Net loans and leases to deposits | 102.6713% | 612 |
| Net loans and leases to core deposits | 114.1643% | 787 |
| Total domestic deposits to total assets | 55.6025% | 5,479 |
| Equity capital to assets | 43.5855% | 44 |
| Core capital (leverage) ratio | 43.7698% | 43 |
| Tier 1 risk-based capital ratio | 54.0855% | 110 |
| Total risk-based capital ratio | 55.4082% | 108 |
| Memoranda: | ||
| Average total assets | $74,053,000 | 4,624 |
| Average earning assets | $67,390,330 | 4,633 |
| Average equity | $30,602,000 | 2,317 |
| Average total loans | $51,770,000 | 4,353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9456% | 149 |
| Cost of funding earning assets | 0.1513% | 5,262 |
| Net interest margin | 5.7943% | 85 |
| Noninterest income to average assets | 1.1454% | 706 |
| Noninterest expense to average assets | 2.4234% | 3,883 |
| Loan and lease loss provision to assets | 0.2651% | 531 |
| Net operating income to assets | 2.6250% | 118 |
| Return on assets (ROA) | 2.6250% | 119 |
| Pretax return on assets | 3.7386% | 66 |
| Return on Equity (ROE) | 6.5207% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.5207% | 2,489 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7063% | 5,491 |
| Assets per employee ($millions) | 7.2924% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3125% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.5866% | 82 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.3174% | 2,588 |
| Net loans and leases to deposits | 122.1226% | 93 |
| Net loans and leases to core deposits | 135.6911% | 263 |
| Total domestic deposits to total assets | 56.7605% | 5,538 |
| Equity capital to assets | 41.9711% | 44 |
| Core capital (leverage) ratio | 39.3093% | 47 |
| Tier 1 risk-based capital ratio | 48.9461% | 139 |
| Total risk-based capital ratio | 50.2607% | 138 |
| Memoranda: | ||
| Average total assets | $75,430,000 | 4,655 |
| Average earning assets | $68,757,000 | 4,666 |
| Average equity | $30,365,000 | 2,343 |
| Average total loans | $55,284,500 | 4,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 564 |
| Cost of funding earning assets | 0.2055% | 4,900 |
| Net interest margin | 4.8670% | 296 |
| Noninterest income to average assets | 1.0224% | 974 |
| Noninterest expense to average assets | 2.7851% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9597% | 2,405 |
| Return on assets (ROA) | 0.9597% | 2,439 |
| Pretax return on assets | 2.6911% | 138 |
| Return on Equity (ROE) | 2.6610% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.6610% | 3,733 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8587% | 5,177 |
| Assets per employee ($millions) | 7.7936% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0281% | 14 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.2274% | 86 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 66.8420% | 2,988 |
| Net loans and leases to deposits | 110.4646% | 258 |
| Net loans and leases to core deposits | 122.5424% | 508 |
| Total domestic deposits to total assets | 60.5099% | 5,581 |
| Equity capital to assets | 38.6509% | 46 |
| Core capital (leverage) ratio | 39.2247% | 41 |
| Tier 1 risk-based capital ratio | 46.7785% | 141 |
| Total risk-based capital ratio | 48.0907% | 140 |
| Memoranda: | ||
| Average total assets | $82,940,400 | 4,533 |
| Average earning assets | $75,898,400 | 4,539 |
| Average equity | $29,913,200 | 2,361 |
| Average total loans | $55,970,600 | 4,290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 553 |
| Cost of funding earning assets | 0.2162% | 4,838 |
| Net interest margin | 4.8319% | 314 |
| Noninterest income to average assets | 0.9866% | 1,057 |
| Noninterest expense to average assets | 2.5449% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5995% | 719 |
| Return on assets (ROA) | 1.5995% | 736 |
| Pretax return on assets | 2.8648% | 130 |
| Return on Equity (ROE) | 4.5097% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.5097% | 3,219 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0433% | 5,384 |
| Assets per employee ($millions) | 7.6209% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6860% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.3458% | 89 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.0635% | 3,645 |
| Net loans and leases to deposits | 104.4452% | 478 |
| Net loans and leases to core deposits | 118.2332% | 645 |
| Total domestic deposits to total assets | 59.4221% | 5,657 |
| Equity capital to assets | 39.8076% | 44 |
| Core capital (leverage) ratio | 38.7174% | 45 |
| Tier 1 risk-based capital ratio | 50.2934% | 127 |
| Total risk-based capital ratio | 51.6114% | 123 |
| Memoranda: | ||
| Average total assets | $84,191,500 | 4,556 |
| Average earning assets | $77,070,000 | 4,562 |
| Average equity | $29,860,750 | 2,380 |
| Average total loans | $55,955,250 | 4,329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 739 |
| Cost of funding earning assets | 0.2158% | 4,832 |
| Net interest margin | 4.6608% | 428 |
| Noninterest income to average assets | 0.9902% | 1,038 |
| Noninterest expense to average assets | 2.2337% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7593% | 491 |
| Return on assets (ROA) | 1.7593% | 500 |
| Pretax return on assets | 3.0327% | 111 |
| Return on Equity (ROE) | 5.1444% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.1444% | 2,613 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4136% | 5,561 |
| Assets per employee ($millions) | 8.1530% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8429% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.9969% | 103 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.7562% | 3,139 |
| Net loans and leases to deposits | 105.1361% | 432 |
| Net loans and leases to core deposits | 117.9949% | 642 |
| Total domestic deposits to total assets | 62.5438% | 5,678 |
| Equity capital to assets | 36.9079% | 46 |
| Core capital (leverage) ratio | 37.7705% | 45 |
| Tier 1 risk-based capital ratio | 45.1052% | 158 |
| Total risk-based capital ratio | 46.4137% | 159 |
| Memoranda: | ||
| Average total assets | $86,852,330 | 4,544 |
| Average earning assets | $79,686,000 | 4,538 |
| Average equity | $29,702,000 | 2,390 |
| Average total loans | $57,528,330 | 4,323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 951 |
| Cost of funding earning assets | 0.2091% | 4,894 |
| Net interest margin | 4.4841% | 540 |
| Noninterest income to average assets | 0.9920% | 1,020 |
| Noninterest expense to average assets | 2.0779% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7562% | 492 |
| Return on assets (ROA) | 1.7562% | 501 |
| Pretax return on assets | 3.0342% | 134 |
| Return on Equity (ROE) | 5.3275% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.3275% | 2,721 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6469% | 5,679 |
| Assets per employee ($millions) | 8.1036% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0577% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.0274% | 118 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.9950% | 3,281 |
| Net loans and leases to deposits | 102.9643% | 448 |
| Net loans and leases to core deposits | 113.5938% | 696 |
| Total domestic deposits to total assets | 62.1526% | 5,757 |
| Equity capital to assets | 36.6751% | 50 |
| Core capital (leverage) ratio | 33.8285% | 60 |
| Tier 1 risk-based capital ratio | 45.7866% | 165 |
| Total risk-based capital ratio | 47.0976% | 161 |
| Memoranda: | ||
| Average total assets | $89,513,500 | 4,548 |
| Average earning assets | $82,247,000 | 4,548 |
| Average equity | $29,507,500 | 2,417 |
| Average total loans | $57,518,000 | 4,367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 2,809 |
| Cost of funding earning assets | 0.2686% | 4,383 |
| Net interest margin | 3.8429% | 2,163 |
| Noninterest income to average assets | 1.4200% | 575 |
| Noninterest expense to average assets | 2.8822% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2125% | 1,464 |
| Return on assets (ROA) | 1.2125% | 1,549 |
| Pretax return on assets | 2.1249% | 377 |
| Return on Equity (ROE) | 4.1026% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.1026% | 2,990 |
| Net charge-offs to loans | -0.7091% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5621% | 4,900 |
| Assets per employee ($millions) | 9.7991% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6476% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1575% | 180 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.4348% | 4,222 |
| Net loans and leases to deposits | 82.0003% | 2,670 |
| Net loans and leases to core deposits | 91.0215% | 2,405 |
| Total domestic deposits to total assets | 68.8226% | 5,696 |
| Equity capital to assets | 29.8956% | 65 |
| Core capital (leverage) ratio | 32.5218% | 59 |
| Tier 1 risk-based capital ratio | 43.1583% | 186 |
| Total risk-based capital ratio | 44.4665% | 184 |
| Memoranda: | ||
| Average total assets | $97,320,800 | 4,402 |
| Average earning assets | $90,843,000 | 4,370 |
| Average equity | $28,762,000 | 2,470 |
| Average total loans | $56,269,400 | 4,403 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 2,567 |
| Cost of funding earning assets | 0.2918% | 4,192 |
| Net interest margin | 3.8906% | 2,007 |
| Noninterest income to average assets | 1.5892% | 488 |
| Noninterest expense to average assets | 2.8902% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3586% | 1,147 |
| Return on assets (ROA) | 1.3586% | 1,227 |
| Pretax return on assets | 2.3399% | 287 |
| Return on Equity (ROE) | 4.6106% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.6106% | 3,073 |
| Net charge-offs to loans | -0.4154% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2611% | 5,129 |
| Assets per employee ($millions) | 9.5460% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1580% | 12 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0310% | 208 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.4358% | 4,791 |
| Net loans and leases to deposits | 73.8832% | 3,608 |
| Net loans and leases to core deposits | 83.1968% | 3,198 |
| Total domestic deposits to total assets | 68.2642% | 5,765 |
| Equity capital to assets | 30.4892% | 63 |
| Core capital (leverage) ratio | 30.2369% | 62 |
| Tier 1 risk-based capital ratio | 49.1464% | 139 |
| Total risk-based capital ratio | 50.4601% | 136 |
| Memoranda: | ||
| Average total assets | $97,153,250 | 4,437 |
| Average earning assets | $90,918,750 | 4,399 |
| Average equity | $28,628,750 | 2,488 |
| Average total loans | $55,527,000 | 4,456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 2,504 |
| Cost of funding earning assets | 0.3106% | 4,011 |
| Net interest margin | 3.8934% | 1,998 |
| Noninterest income to average assets | 1.8850% | 373 |
| Noninterest expense to average assets | 3.0926% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4102% | 1,047 |
| Return on assets (ROA) | 1.4102% | 1,098 |
| Pretax return on assets | 2.4356% | 240 |
| Return on Equity (ROE) | 4.8402% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.8402% | 2,836 |
| Net charge-offs to loans | -0.6097% | 5,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9422% | 5,149 |
| Assets per employee ($millions) | 8.5415% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1363% | 24 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.7542% | 264 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.3962% | 4,369 |
| Net loans and leases to deposits | 78.2309% | 3,133 |
| Net loans and leases to core deposits | 88.0201% | 2,724 |
| Total domestic deposits to total assets | 70.8111% | 5,737 |
| Equity capital to assets | 28.1020% | 65 |
| Core capital (leverage) ratio | 28.2326% | 65 |
| Tier 1 risk-based capital ratio | 42.9987% | 195 |
| Total risk-based capital ratio | 44.3035% | 193 |
| Memoranda: | ||
| Average total assets | $97,717,670 | 4,456 |
| Average earning assets | $91,436,670 | 4,432 |
| Average equity | $28,470,000 | 2,496 |
| Average total loans | $56,750,000 | 4,444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,584 |
| Cost of funding earning assets | 0.3322% | 3,813 |
| Net interest margin | 3.8383% | 2,148 |
| Noninterest income to average assets | 1.1120% | 883 |
| Noninterest expense to average assets | 2.0771% | 5,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5777% | 736 |
| Return on assets (ROA) | 1.5777% | 772 |
| Pretax return on assets | 2.6225% | 199 |
| Return on Equity (ROE) | 5.3139% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.3139% | 2,757 |
| Net charge-offs to loans | -1.2682% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1964% | 5,868 |
| Assets per employee ($millions) | 8.1294% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2177% | 15 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9445% | 260 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.9272% | 4,897 |
| Net loans and leases to deposits | 69.7318% | 3,878 |
| Net loans and leases to core deposits | 81.5688% | 3,172 |
| Total domestic deposits to total assets | 70.1649% | 5,858 |
| Equity capital to assets | 29.2057% | 61 |
| Core capital (leverage) ratio | 29.6964% | 62 |
| Tier 1 risk-based capital ratio | 46.6126% | 157 |
| Total risk-based capital ratio | 47.9247% | 154 |
| Memoranda: | ||
| Average total assets | $95,327,500 | 4,547 |
| Average earning assets | $89,103,000 | 4,521 |
| Average equity | $28,303,000 | 2,504 |
| Average total loans | $54,879,000 | 4,526 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,013 |
| Cost of funding earning assets | 0.3765% | 3,410 |
| Net interest margin | 3.9874% | 1,759 |
| Noninterest income to average assets | 0.9247% | 1,369 |
| Noninterest expense to average assets | 2.6861% | 3,627 |
| Loan and lease loss provision to assets | -0.4438% | 6,111 |
| Net operating income to assets | 1.2265% | 1,465 |
| Return on assets (ROA) | 1.2265% | 1,526 |
| Pretax return on assets | 2.2275% | 328 |
| Return on Equity (ROE) | 4.2068% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.2068% | 2,992 |
| Net charge-offs to loans | -0.8407% | 6,120 |
| Credit loss provision to net charge-offs | 88.3966% | 2,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0948% | 4,898 |
| Assets per employee ($millions) | 7.7783% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0688% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1226% | 251 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.6850% | 4,002 |
| Net loans and leases to deposits | 84.7663% | 2,273 |
| Net loans and leases to core deposits | 103.3373% | 1,275 |
| Total domestic deposits to total assets | 69.2315% | 5,926 |
| Equity capital to assets | 30.0635% | 61 |
| Core capital (leverage) ratio | 30.4495% | 60 |
| Tier 1 risk-based capital ratio | 41.3562% | 211 |
| Total risk-based capital ratio | 42.6546% | 209 |
| Memoranda: | ||
| Average total assets | $94,411,600 | 4,572 |
| Average earning assets | $83,939,400 | 4,632 |
| Average equity | $27,526,800 | 2,502 |
| Average total loans | $56,380,800 | 4,491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 2,525 |
| Cost of funding earning assets | 0.3690% | 3,557 |
| Net interest margin | 3.8460% | 2,211 |
| Noninterest income to average assets | 0.9562% | 1,300 |
| Noninterest expense to average assets | 2.6756% | 3,653 |
| Loan and lease loss provision to assets | -0.5900% | 6,225 |
| Net operating income to assets | 1.3829% | 1,152 |
| Return on assets (ROA) | 1.3829% | 1,202 |
| Pretax return on assets | 2.3785% | 294 |
| Return on Equity (ROE) | 4.7796% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.7796% | 3,068 |
| Net charge-offs to loans | -1.0948% | 6,212 |
| Credit loss provision to net charge-offs | 91.2854% | 2,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9369% | 4,899 |
| Assets per employee ($millions) | 7.9443% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8979% | 39 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0365% | 292 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 58.9798% | 4,013 |
| Net loans and leases to deposits | 84.2312% | 2,383 |
| Net loans and leases to core deposits | 97.5875% | 1,736 |
| Total domestic deposits to total assets | 70.0213% | 5,971 |
| Equity capital to assets | 29.2507% | 67 |
| Core capital (leverage) ratio | 29.0820% | 64 |
| Tier 1 risk-based capital ratio | 39.4040% | 254 |
| Total risk-based capital ratio | 40.7012% | 253 |
| Memoranda: | ||
| Average total assets | $94,679,750 | 4,622 |
| Average earning assets | $86,355,250 | 4,630 |
| Average equity | $27,393,250 | 2,525 |
| Average total loans | $55,897,250 | 4,544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 2,855 |
| Cost of funding earning assets | 0.3645% | 3,654 |
| Net interest margin | 3.7463% | 2,524 |
| Noninterest income to average assets | 0.9464% | 1,311 |
| Noninterest expense to average assets | 2.9430% | 2,738 |
| Loan and lease loss provision to assets | -0.8871% | 6,322 |
| Net operating income to assets | 1.3423% | 1,214 |
| Return on assets (ROA) | 1.3423% | 1,258 |
| Pretax return on assets | 2.3501% | 311 |
| Return on Equity (ROE) | 4.6567% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.6567% | 3,074 |
| Net charge-offs to loans | -1.6260% | 6,294 |
| Credit loss provision to net charge-offs | 94.3694% | 2,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7948% | 3,867 |
| Assets per employee ($millions) | 7.8244% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3502% | 29 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0983% | 320 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.1149% | 4,436 |
| Net loans and leases to deposits | 78.8869% | 2,919 |
| Net loans and leases to core deposits | 90.8435% | 2,258 |
| Total domestic deposits to total assets | 69.8657% | 6,043 |
| Equity capital to assets | 29.3281% | 66 |
| Core capital (leverage) ratio | 29.5029% | 66 |
| Tier 1 risk-based capital ratio | 39.5729% | 272 |
| Total risk-based capital ratio | 40.8720% | 265 |
| Memoranda: | ||
| Average total assets | $94,462,670 | 4,670 |
| Average earning assets | $87,231,670 | 4,647 |
| Average equity | $27,229,330 | 2,545 |
| Average total loans | $54,613,000 | 4,624 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 2,818 |
| Cost of funding earning assets | 0.3668% | 3,678 |
| Net interest margin | 3.7364% | 2,485 |
| Noninterest income to average assets | 0.9414% | 1,262 |
| Noninterest expense to average assets | 3.6645% | 1,050 |
| Loan and lease loss provision to assets | -1.7689% | 6,408 |
| Net operating income to assets | 1.4607% | 919 |
| Return on assets (ROA) | 1.4607% | 980 |
| Pretax return on assets | 2.4866% | 250 |
| Return on Equity (ROE) | 5.1116% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.1116% | 2,992 |
| Net charge-offs to loans | -3.1976% | 6,370 |
| Credit loss provision to net charge-offs | 96.5438% | 1,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6224% | 1,419 |
| Assets per employee ($millions) | 7.6841% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2273% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1731% | 352 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.1408% | 4,070 |
| Net loans and leases to deposits | 82.6948% | 2,249 |
| Net loans and leases to core deposits | 95.4494% | 1,655 |
| Total domestic deposits to total assets | 69.0985% | 6,164 |
| Equity capital to assets | 29.5513% | 68 |
| Core capital (leverage) ratio | 28.1814% | 69 |
| Tier 1 risk-based capital ratio | 37.4746% | 295 |
| Total risk-based capital ratio | 38.7543% | 294 |
| Memoranda: | ||
| Average total assets | $94,747,500 | 4,699 |
| Average earning assets | $87,249,000 | 4,686 |
| Average equity | $27,075,500 | 2,575 |
| Average total loans | $54,290,500 | 4,661 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 3,344 |
| Cost of funding earning assets | 0.4202% | 3,474 |
| Net interest margin | 3.6766% | 3,094 |
| Noninterest income to average assets | 1.1990% | 834 |
| Noninterest expense to average assets | 3.0822% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9000% | 2,869 |
| Return on assets (ROA) | 0.9000% | 2,963 |
| Pretax return on assets | 1.4871% | 1,593 |
| Return on Equity (ROE) | 3.4369% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.4369% | 3,766 |
| Net charge-offs to loans | -0.3530% | 6,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4540% | 3,992 |
| Assets per employee ($millions) | 8.1072% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6497% | 26 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9543% | 425 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.2734% | 4,944 |
| Net loans and leases to deposits | 70.1084% | 3,898 |
| Net loans and leases to core deposits | 81.1566% | 3,184 |
| Total domestic deposits to total assets | 71.7082% | 6,100 |
| Equity capital to assets | 27.6525% | 75 |
| Core capital (leverage) ratio | 27.9110% | 71 |
| Tier 1 risk-based capital ratio | 40.5786% | 228 |
| Total risk-based capital ratio | 41.8804% | 226 |
| Memoranda: | ||
| Average total assets | $100,999,800 | 4,578 |
| Average earning assets | $92,584,800 | 4,591 |
| Average equity | $26,448,200 | 2,530 |
| Average total loans | $54,392,000 | 4,676 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 4,009 |
| Cost of funding earning assets | 0.4346% | 3,422 |
| Net interest margin | 3.5053% | 3,807 |
| Noninterest income to average assets | 1.2401% | 791 |
| Noninterest expense to average assets | 3.0138% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8385% | 3,238 |
| Return on assets (ROA) | 0.8385% | 3,329 |
| Pretax return on assets | 1.4337% | 1,874 |
| Return on Equity (ROE) | 3.2453% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.2453% | 4,316 |
| Net charge-offs to loans | -0.4421% | 6,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7647% | 3,899 |
| Assets per employee ($millions) | 9.2256% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3981% | 38 |
| Loan loss allowance to noncurrent loans | 401.6185% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 4.6442% | 387 |
| Noncurrent loans to loans | 1.5931% | 2,035 |
| Net loans and leases to total assets | 50.0808% | 4,998 |
| Net loans and leases to deposits | 68.4513% | 4,084 |
| Net loans and leases to core deposits | 76.4451% | 3,694 |
| Total domestic deposits to total assets | 73.1627% | 6,080 |
| Equity capital to assets | 26.2450% | 83 |
| Core capital (leverage) ratio | 26.3972% | 75 |
| Tier 1 risk-based capital ratio | 37.9337% | 278 |
| Total risk-based capital ratio | 39.1728% | 274 |
| Memoranda: | ||
| Average total assets | $101,928,250 | 4,604 |
| Average earning assets | $93,265,000 | 4,617 |
| Average equity | $26,334,750 | 2,547 |
| Average total loans | $54,891,750 | 4,694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,055 |
| Cost of funding earning assets | 0.4407% | 3,435 |
| Net interest margin | 3.4782% | 3,865 |
| Noninterest income to average assets | 1.3696% | 642 |
| Noninterest expense to average assets | 2.8978% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9601% | 2,510 |
| Return on assets (ROA) | 0.9601% | 2,598 |
| Pretax return on assets | 1.6419% | 1,158 |
| Return on Equity (ROE) | 3.7355% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.7355% | 3,816 |
| Net charge-offs to loans | -0.6244% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8325% | 4,716 |
| Assets per employee ($millions) | 7.5574% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3067% | 44 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.9167% | 558 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.3808% | 4,706 |
| Net loans and leases to deposits | 72.8903% | 3,465 |
| Net loans and leases to core deposits | 83.6427% | 2,778 |
| Total domestic deposits to total assets | 71.8625% | 6,260 |
| Equity capital to assets | 26.9558% | 75 |
| Core capital (leverage) ratio | 27.3936% | 72 |
| Tier 1 risk-based capital ratio | 35.3890% | 334 |
| Total risk-based capital ratio | 36.5689% | 333 |
| Memoranda: | ||
| Average total assets | $102,077,000 | 4,635 |
| Average earning assets | $93,037,670 | 4,659 |
| Average equity | $26,235,000 | 2,546 |
| Average total loans | $55,090,000 | 4,717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 4,611 |
| Cost of funding earning assets | 0.4472% | 3,461 |
| Net interest margin | 3.3200% | 4,458 |
| Noninterest income to average assets | 1.0270% | 1,068 |
| Noninterest expense to average assets | 2.4309% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9116% | 2,596 |
| Return on assets (ROA) | 0.9116% | 2,668 |
| Pretax return on assets | 1.6232% | 1,129 |
| Return on Equity (ROE) | 3.6307% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.6307% | 3,954 |
| Net charge-offs to loans | -1.1890% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9620% | 5,413 |
| Assets per employee ($millions) | 7.8577% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1999% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.8678% | 635 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.1865% | 4,767 |
| Net loans and leases to deposits | 69.8865% | 3,620 |
| Net loans and leases to core deposits | 82.8768% | 2,651 |
| Total domestic deposits to total assets | 73.2423% | 6,293 |
| Equity capital to assets | 25.6779% | 89 |
| Core capital (leverage) ratio | 25.6440% | 84 |
| Tier 1 risk-based capital ratio | 34.8877% | 354 |
| Total risk-based capital ratio | 36.1792% | 347 |
| Memoranda: | ||
| Average total assets | $103,992,500 | 4,629 |
| Average earning assets | $94,819,000 | 4,662 |
| Average equity | $26,111,000 | 2,541 |
| Average total loans | $55,172,000 | 4,756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,439 |
| Cost of funding earning assets | 0.4888% | 3,723 |
| Net interest margin | 3.6847% | 3,117 |
| Noninterest income to average assets | 3.3146% | 197 |
| Noninterest expense to average assets | 2.7475% | 3,918 |
| Loan and lease loss provision to assets | 1.4066% | 107 |
| Net operating income to assets | 1.4891% | 843 |
| Return on assets (ROA) | 1.4891% | 888 |
| Pretax return on assets | 2.4714% | 206 |
| Return on Equity (ROE) | 6.4351% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.4351% | 1,721 |
| Net charge-offs to loans | 2.0434% | 183 |
| Credit loss provision to net charge-offs | 124.8355% | 1,910 |
| Earnings coverage of net charge-offs (x) | 3.4416% | 3,852 |
| Efficiency ratio | 41.4685% | 6,664 |
| Assets per employee ($millions) | 8.1412% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0292% | 39 |
| Loan loss allowance to noncurrent loans | 362.9548% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 4.5902% | 536 |
| Noncurrent loans to loans | 1.6611% | 2,416 |
| Net loans and leases to total assets | 48.4802% | 5,240 |
| Net loans and leases to deposits | 65.1576% | 4,394 |
| Net loans and leases to core deposits | 80.6454% | 3,051 |
| Total domestic deposits to total assets | 74.4045% | 6,249 |
| Equity capital to assets | 24.5590% | 101 |
| Core capital (leverage) ratio | 24.3214% | 96 |
| Tier 1 risk-based capital ratio | 35.3104% | 315 |
| Total risk-based capital ratio | 36.5996% | 306 |
| Memoranda: | ||
| Average total assets | $107,916,200 | 4,549 |
| Average earning assets | $96,969,200 | 4,595 |
| Average equity | $24,972,400 | 2,630 |
| Average total loans | $59,507,600 | 4,631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1848% | 3,440 |
| Cost of funding earning assets | 0.4929% | 3,845 |
| Net interest margin | 3.6919% | 3,060 |
| Noninterest income to average assets | 0.7709% | 2,275 |
| Noninterest expense to average assets | 2.4063% | 5,012 |
| Loan and lease loss provision to assets | 0.2459% | 1,454 |
| Net operating income to assets | 0.8177% | 3,260 |
| Return on assets (ROA) | 0.8177% | 3,386 |
| Pretax return on assets | 1.4251% | 1,849 |
| Return on Equity (ROE) | 3.5871% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.5871% | 4,141 |
| Net charge-offs to loans | -0.0154% | 5,982 |
| Credit loss provision to net charge-offs | -2,857.1429% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0169% | 5,553 |
| Assets per employee ($millions) | 9.2290% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3577% | 84 |
| Loan loss allowance to noncurrent loans | 158.8966% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 7.0836% | 281 |
| Noncurrent loans to loans | 3.3718% | 1,151 |
| Net loans and leases to total assets | 50.9932% | 5,004 |
| Net loans and leases to deposits | 66.5010% | 4,241 |
| Net loans and leases to core deposits | 78.6776% | 3,278 |
| Total domestic deposits to total assets | 76.6804% | 6,091 |
| Equity capital to assets | 22.6189% | 129 |
| Core capital (leverage) ratio | 22.7922% | 118 |
| Tier 1 risk-based capital ratio | 31.2212% | 466 |
| Total risk-based capital ratio | 32.5049% | 456 |
| Memoranda: | ||
| Average total assets | $108,436,500 | 4,575 |
| Average earning assets | $97,110,750 | 4,637 |
| Average equity | $24,717,500 | 2,676 |
| Average total loans | $60,734,250 | 4,633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 3,104 |
| Cost of funding earning assets | 0.4935% | 3,955 |
| Net interest margin | 3.7698% | 2,674 |
| Noninterest income to average assets | 0.7560% | 2,386 |
| Noninterest expense to average assets | 2.3313% | 5,273 |
| Loan and lease loss provision to assets | 0.3715% | 877 |
| Net operating income to assets | 0.8378% | 3,108 |
| Return on assets (ROA) | 0.8378% | 3,263 |
| Pretax return on assets | 1.4303% | 1,835 |
| Return on Equity (ROE) | 3.6657% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.6657% | 3,977 |
| Net charge-offs to loans | -0.0131% | 5,830 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4045% | 5,912 |
| Assets per employee ($millions) | 9.0821% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3180% | 97 |
| Loan loss allowance to noncurrent loans | 101.1720% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 8.6489% | 210 |
| Noncurrent loans to loans | 5.2564% | 594 |
| Net loans and leases to total assets | 52.1778% | 4,835 |
| Net loans and leases to deposits | 69.8703% | 3,731 |
| Net loans and leases to core deposits | 84.3521% | 2,509 |
| Total domestic deposits to total assets | 74.6782% | 6,385 |
| Equity capital to assets | 22.7885% | 121 |
| Core capital (leverage) ratio | 22.9423% | 112 |
| Tier 1 risk-based capital ratio | 31.5474% | 455 |
| Total risk-based capital ratio | 32.8316% | 446 |
| Memoranda: | ||
| Average total assets | $107,666,000 | 4,617 |
| Average earning assets | $96,450,000 | 4,688 |
| Average equity | $24,606,670 | 2,707 |
| Average total loans | $61,088,670 | 4,641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,182 |
| Cost of funding earning assets | 0.4890% | 4,189 |
| Net interest margin | 3.7409% | 2,697 |
| Noninterest income to average assets | 0.6990% | 2,593 |
| Noninterest expense to average assets | 1.9289% | 6,235 |
| Loan and lease loss provision to assets | 0.7476% | 307 |
| Net operating income to assets | 0.8000% | 3,168 |
| Return on assets (ROA) | 0.8000% | 3,299 |
| Pretax return on assets | 1.3681% | 1,978 |
| Return on Equity (ROE) | 3.4950% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.4950% | 4,149 |
| Net charge-offs to loans | -0.0130% | 5,536 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6895% | 6,622 |
| Assets per employee ($millions) | 8.8415% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1119% | 126 |
| Loan loss allowance to noncurrent loans | 188.4298% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 7.5053% | 359 |
| Noncurrent loans to loans | 2.7129% | 1,885 |
| Net loans and leases to total assets | 55.8446% | 4,110 |
| Net loans and leases to deposits | 75.7130% | 2,685 |
| Net loans and leases to core deposits | 94.2046% | 1,333 |
| Total domestic deposits to total assets | 73.7582% | 6,547 |
| Equity capital to assets | 23.1852% | 121 |
| Core capital (leverage) ratio | 23.3875% | 105 |
| Tier 1 risk-based capital ratio | 30.3085% | 516 |
| Total risk-based capital ratio | 31.5911% | 506 |
| Memoranda: | ||
| Average total assets | $107,006,500 | 4,678 |
| Average earning assets | $95,699,500 | 4,748 |
| Average equity | $24,492,000 | 2,761 |
| Average total loans | $61,603,000 | 4,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 5,250 |
| Cost of funding earning assets | 0.5420% | 4,886 |
| Net interest margin | 3.4761% | 4,599 |
| Noninterest income to average assets | 1.2170% | 1,055 |
| Noninterest expense to average assets | 3.8126% | 1,233 |
| Loan and lease loss provision to assets | 0.3325% | 2,040 |
| Net operating income to assets | 0.1178% | 5,974 |
| Return on assets (ROA) | 0.1178% | 6,115 |
| Pretax return on assets | 0.1853% | 6,011 |
| Return on Equity (ROE) | 0.5041% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.5041% | 5,596 |
| Net charge-offs to loans | 1.2989% | 746 |
| Credit loss provision to net charge-offs | 46.5426% | 4,771 |
| Earnings coverage of net charge-offs (x) | 0.7247% | 5,117 |
| Efficiency ratio | 88.0430% | 1,239 |
| Assets per employee ($millions) | 9.8105% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9207% | 141 |
| Loan loss allowance to noncurrent loans | 175.5725% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 7.3873% | 407 |
| Noncurrent loans to loans | 2.8026% | 1,879 |
| Net loans and leases to total assets | 53.5366% | 4,683 |
| Net loans and leases to deposits | 71.5662% | 3,488 |
| Net loans and leases to core deposits | 89.3546% | 1,916 |
| Total domestic deposits to total assets | 74.8070% | 6,461 |
| Equity capital to assets | 22.5965% | 138 |
| Core capital (leverage) ratio | 23.8701% | 102 |
| Tier 1 risk-based capital ratio | 26.6704% | 719 |
| Total risk-based capital ratio | 27.8943% | 711 |
| Memoranda: | ||
| Average total assets | $105,255,400 | 4,701 |
| Average earning assets | $94,271,800 | 4,752 |
| Average equity | $24,598,200 | 2,699 |
| Average total loans | $57,896,000 | 4,799 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 5,489 |
| Cost of funding earning assets | 0.5501% | 5,087 |
| Net interest margin | 3.4596% | 4,808 |
| Noninterest income to average assets | 1.2582% | 951 |
| Noninterest expense to average assets | 2.2028% | 5,943 |
| Loan and lease loss provision to assets | 0.3187% | 2,072 |
| Net operating income to assets | 1.1371% | 1,962 |
| Return on assets (ROA) | 1.1371% | 2,155 |
| Pretax return on assets | 1.8395% | 968 |
| Return on Equity (ROE) | 4.8245% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.8245% | 3,491 |
| Net charge-offs to loans | 1.7745% | 451 |
| Credit loss provision to net charge-offs | 32.8515% | 4,753 |
| Earnings coverage of net charge-offs (x) | 2.2247% | 4,149 |
| Efficiency ratio | 50.5115% | 6,546 |
| Assets per employee ($millions) | 8.6263% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1305% | 132 |
| Loan loss allowance to noncurrent loans | 166.1932% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 7.9795% | 391 |
| Noncurrent loans to loans | 3.0871% | 1,802 |
| Net loans and leases to total assets | 52.2504% | 5,011 |
| Net loans and leases to deposits | 69.7393% | 3,928 |
| Net loans and leases to core deposits | 89.6995% | 2,020 |
| Total domestic deposits to total assets | 74.9225% | 6,527 |
| Equity capital to assets | 24.2467% | 115 |
| Core capital (leverage) ratio | 24.2622% | 104 |
| Tier 1 risk-based capital ratio | 29.4158% | 559 |
| Total risk-based capital ratio | 30.6053% | 555 |
| Memoranda: | ||
| Average total assets | $104,590,500 | 4,756 |
| Average earning assets | $93,803,500 | 4,801 |
| Average equity | $24,651,500 | 2,717 |
| Average total loans | $57,179,000 | 4,878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 5,694 |
| Cost of funding earning assets | 0.5624% | 5,211 |
| Net interest margin | 3.4215% | 4,998 |
| Noninterest income to average assets | 1.0710% | 1,248 |
| Noninterest expense to average assets | 1.8828% | 6,633 |
| Loan and lease loss provision to assets | 0.4764% | 1,333 |
| Net operating income to assets | 1.1224% | 1,969 |
| Return on assets (ROA) | 1.1224% | 2,184 |
| Pretax return on assets | 1.7723% | 1,090 |
| Return on Equity (ROE) | 4.8077% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.8077% | 3,407 |
| Net charge-offs to loans | 2.5264% | 276 |
| Credit loss provision to net charge-offs | 34.5781% | 4,365 |
| Earnings coverage of net charge-offs (x) | 1.6321% | 4,177 |
| Efficiency ratio | 45.5720% | 6,901 |
| Assets per employee ($millions) | 8.7368% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1696% | 139 |
| Loan loss allowance to noncurrent loans | 108.8138% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 9.7681% | 280 |
| Noncurrent loans to loans | 4.7509% | 1,071 |
| Net loans and leases to total assets | 51.8433% | 5,120 |
| Net loans and leases to deposits | 68.4099% | 4,134 |
| Net loans and leases to core deposits | 91.7257% | 1,806 |
| Total domestic deposits to total assets | 75.7833% | 6,490 |
| Equity capital to assets | 23.6511% | 120 |
| Core capital (leverage) ratio | 23.5386% | 108 |
| Tier 1 risk-based capital ratio | 28.3860% | 620 |
| Total risk-based capital ratio | 29.6006% | 608 |
| Memoranda: | ||
| Average total assets | $104,949,000 | 4,777 |
| Average earning assets | $93,876,330 | 4,822 |
| Average equity | $24,502,330 | 2,720 |
| Average total loans | $57,234,670 | 4,904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 5,623 |
| Cost of funding earning assets | 0.5937% | 5,180 |
| Net interest margin | 3.4513% | 4,911 |
| Noninterest income to average assets | 1.0400% | 1,337 |
| Noninterest expense to average assets | 1.5123% | 7,050 |
| Loan and lease loss provision to assets | 0.6666% | 804 |
| Net operating income to assets | 1.1314% | 1,948 |
| Return on assets (ROA) | 1.1314% | 2,132 |
| Pretax return on assets | 1.9390% | 820 |
| Return on Equity (ROE) | 4.8777% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.8777% | 3,626 |
| Net charge-offs to loans | 5.1894% | 86 |
| Credit loss provision to net charge-offs | 23.5849% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.9218% | 3,866 |
| Efficiency ratio | 36.7253% | 7,171 |
| Assets per employee ($millions) | 8.9480% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9774% | 180 |
| Loan loss allowance to noncurrent loans | 91.9257% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 9.9082% | 307 |
| Noncurrent loans to loans | 5.4145% | 990 |
| Net loans and leases to total assets | 51.0095% | 5,156 |
| Net loans and leases to deposits | 66.7626% | 4,267 |
| Net loans and leases to core deposits | 97.7565% | 1,144 |
| Total domestic deposits to total assets | 76.4044% | 6,500 |
| Equity capital to assets | 22.8207% | 128 |
| Core capital (leverage) ratio | 22.9742% | 118 |
| Tier 1 risk-based capital ratio | 27.0616% | 725 |
| Total risk-based capital ratio | 28.3349% | 706 |
| Memoranda: | ||
| Average total assets | $105,003,000 | 4,807 |
| Average earning assets | $93,645,000 | 4,859 |
| Average equity | $24,355,500 | 2,731 |
| Average total loans | $57,194,000 | 4,936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 6,382 |
| Cost of funding earning assets | 0.5021% | 6,523 |
| Net interest margin | 3.5385% | 4,988 |
| Noninterest income to average assets | 0.5729% | 3,345 |
| Noninterest expense to average assets | 1.7838% | 6,974 |
| Loan and lease loss provision to assets | 0.3451% | 2,936 |
| Net operating income to assets | 0.9486% | 2,420 |
| Return on assets (ROA) | 0.9486% | 2,544 |
| Pretax return on assets | 1.6684% | 1,060 |
| Return on Equity (ROE) | 4.0620% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,301 |
| Net charge-offs to loans | 0.7104% | 2,384 |
| Credit loss provision to net charge-offs | 86.8486% | 4,156 |
| Earnings coverage of net charge-offs (x) | 5.0670% | 2,905 |
| Efficiency ratio | 46.9748% | 7,002 |
| Assets per employee ($millions) | 8.5525% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0549% | 89 |
| Loan loss allowance to noncurrent loans | 260.3030% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 9.3403% | 373 |
| Noncurrent loans to loans | 2.3261% | 2,828 |
| Net loans and leases to total assets | 51.9449% | 5,317 |
| Net loans and leases to deposits | 68.6944% | 4,331 |
| Net loans and leases to core deposits | 99.7997% | 1,200 |
| Total domestic deposits to total assets | 75.6173% | 6,531 |
| Equity capital to assets | 23.5867% | 119 |
| Core capital (leverage) ratio | 22.9305% | 123 |
| Tier 1 risk-based capital ratio | 29.2419% | 553 |
| Total risk-based capital ratio | 30.5272% | 543 |
| Memoranda: | ||
| Average total assets | $101,414,800 | 4,857 |
| Average earning assets | $92,412,200 | 4,844 |
| Average equity | $23,682,800 | 2,706 |
| Average total loans | $56,729,200 | 4,996 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 6,671 |
| Cost of funding earning assets | 0.4759% | 6,794 |
| Net interest margin | 3.4662% | 5,328 |
| Noninterest income to average assets | 0.5736% | 3,350 |
| Noninterest expense to average assets | 1.8092% | 6,988 |
| Loan and lease loss provision to assets | 0.1978% | 4,047 |
| Net operating income to assets | 1.0417% | 2,170 |
| Return on assets (ROA) | 1.0417% | 2,321 |
| Pretax return on assets | 1.7459% | 1,050 |
| Return on Equity (ROE) | 4.4723% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.4723% | 3,539 |
| Net charge-offs to loans | 0.9566% | 1,682 |
| Credit loss provision to net charge-offs | 36.8550% | 5,301 |
| Earnings coverage of net charge-offs (x) | 3.6216% | 3,364 |
| Efficiency ratio | 48.2080% | 6,952 |
| Assets per employee ($millions) | 9.0208% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8919% | 98 |
| Loan loss allowance to noncurrent loans | 138.2970% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 8.8546% | 456 |
| Noncurrent loans to loans | 4.2603% | 1,535 |
| Net loans and leases to total assets | 47.6891% | 5,993 |
| Net loans and leases to deposits | 61.8380% | 5,420 |
| Net loans and leases to core deposits | 92.3769% | 1,953 |
| Total domestic deposits to total assets | 77.1194% | 6,360 |
| Equity capital to assets | 22.1942% | 167 |
| Core capital (leverage) ratio | 25.0456% | 112 |
| Tier 1 risk-based capital ratio | 26.7200% | 755 |
| Total risk-based capital ratio | 27.9601% | 743 |
| Memoranda: | ||
| Average total assets | $101,111,000 | 4,891 |
| Average earning assets | $92,741,750 | 4,873 |
| Average equity | $23,551,750 | 2,722 |
| Average total loans | $56,724,750 | 5,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 6,638 |
| Cost of funding earning assets | 0.4597% | 6,979 |
| Net interest margin | 3.5551% | 4,904 |
| Noninterest income to average assets | 0.4659% | 4,145 |
| Noninterest expense to average assets | 1.9163% | 6,927 |
| Loan and lease loss provision to assets | 0.3039% | 2,979 |
| Net operating income to assets | 0.9723% | 2,348 |
| Return on assets (ROA) | 0.9723% | 2,449 |
| Pretax return on assets | 1.5355% | 1,420 |
| Return on Equity (ROE) | 4.1036% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.1036% | 3,585 |
| Net charge-offs to loans | 1.1927% | 1,313 |
| Credit loss provision to net charge-offs | 43.8596% | 4,741 |
| Earnings coverage of net charge-offs (x) | 2.6550% | 3,505 |
| Efficiency ratio | 51.0248% | 6,871 |
| Assets per employee ($millions) | 9.0287% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9118% | 101 |
| Loan loss allowance to noncurrent loans | 471.0000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 8.5112% | 513 |
| Noncurrent loans to loans | 1.2552% | 4,561 |
| Net loans and leases to total assets | 52.8344% | 5,459 |
| Net loans and leases to deposits | 69.6880% | 4,474 |
| Net loans and leases to core deposits | 121.0841% | 392 |
| Total domestic deposits to total assets | 75.8156% | 6,625 |
| Equity capital to assets | 23.7968% | 139 |
| Core capital (leverage) ratio | 24.0029% | 125 |
| Tier 1 risk-based capital ratio | 29.3080% | 572 |
| Total risk-based capital ratio | 30.5928% | 558 |
| Memoranda: | ||
| Average total assets | $98,731,670 | 4,994 |
| Average earning assets | $91,362,330 | 4,950 |
| Average equity | $23,394,000 | 2,713 |
| Average total loans | $57,348,000 | 5,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 6,803 |
| Cost of funding earning assets | 0.4224% | 7,178 |
| Net interest margin | 3.4955% | 5,032 |
| Noninterest income to average assets | 0.4551% | 4,234 |
| Noninterest expense to average assets | 1.9504% | 6,907 |
| Loan and lease loss provision to assets | 0.2032% | 3,605 |
| Net operating income to assets | 0.9752% | 2,263 |
| Return on assets (ROA) | 0.9752% | 2,325 |
| Pretax return on assets | 1.5969% | 1,199 |
| Return on Equity (ROE) | 4.1248% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.1248% | 3,691 |
| Net charge-offs to loans | -0.0688% | 6,986 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0043% | 6,855 |
| Assets per employee ($millions) | 9.0844% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3050% | 86 |
| Loan loss allowance to noncurrent loans | 159.4340% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 4.8825% | 1,299 |
| Noncurrent loans to loans | 3.9546% | 1,847 |
| Net loans and leases to total assets | 52.7780% | 5,490 |
| Net loans and leases to deposits | 69.3446% | 4,457 |
| Net loans and leases to core deposits | 124.1525% | 337 |
| Total domestic deposits to total assets | 76.1098% | 6,654 |
| Equity capital to assets | 23.4109% | 138 |
| Core capital (leverage) ratio | 24.2586% | 117 |
| Tier 1 risk-based capital ratio | 37.0481% | 300 |
| Total risk-based capital ratio | 38.3514% | 291 |
| Memoranda: | ||
| Average total assets | $98,439,500 | 5,042 |
| Average earning assets | $92,805,000 | 4,950 |
| Average equity | $23,274,000 | 2,717 |
| Average total loans | $58,137,000 | 5,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 5,453 |
| Cost of funding earning assets | 0.4397% | 7,386 |
| Net interest margin | 4.3490% | 1,649 |
| Noninterest income to average assets | 0.6043% | 3,450 |
| Noninterest expense to average assets | 2.1508% | 6,729 |
| Loan and lease loss provision to assets | 0.9950% | 1,631 |
| Net operating income to assets | 0.9214% | 2,312 |
| Return on assets (ROA) | 0.9214% | 2,434 |
| Pretax return on assets | 1.5499% | 1,250 |
| Return on Equity (ROE) | 3.5022% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.5022% | 3,413 |
| Net charge-offs to loans | 1.7102% | 1,263 |
| Credit loss provision to net charge-offs | 80.4085% | 5,553 |
| Earnings coverage of net charge-offs (x) | 2.0566% | 4,185 |
| Efficiency ratio | 45.8038% | 7,361 |
| Assets per employee ($millions) | 6.9251% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8165% | 117 |
| Loan loss allowance to noncurrent loans | 218.0625% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 4.6426% | 1,429 |
| Noncurrent loans to loans | 2.6673% | 2,850 |
| Net loans and leases to total assets | 58.2727% | 4,982 |
| Net loans and leases to deposits | 77.1603% | 3,645 |
| Net loans and leases to core deposits | 143.2600% | 204 |
| Total domestic deposits to total assets | 75.5217% | 6,696 |
| Equity capital to assets | 23.8822% | 138 |
| Core capital (leverage) ratio | 23.6478% | 140 |
| Tier 1 risk-based capital ratio | 33.8425% | 380 |
| Total risk-based capital ratio | 35.0907% | 372 |
| Memoranda: | ||
| Average total assets | $87,039,200 | 5,378 |
| Average earning assets | $81,881,600 | 5,280 |
| Average equity | $22,900,200 | 2,777 |
| Average total loans | $62,974,000 | 4,951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 5,036 |
| Cost of funding earning assets | 0.4411% | 7,525 |
| Net interest margin | 4.5095% | 1,239 |
| Noninterest income to average assets | 0.6133% | 3,361 |
| Noninterest expense to average assets | 2.1853% | 6,646 |
| Loan and lease loss provision to assets | 1.1037% | 1,315 |
| Net operating income to assets | 0.9271% | 2,508 |
| Return on assets (ROA) | 0.9271% | 2,643 |
| Pretax return on assets | 1.5641% | 1,433 |
| Return on Equity (ROE) | 3.4330% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.4330% | 4,038 |
| Net charge-offs to loans | 1.7681% | 1,099 |
| Credit loss provision to net charge-offs | 82.8402% | 5,045 |
| Earnings coverage of net charge-offs (x) | 2.0024% | 4,215 |
| Efficiency ratio | 45.0292% | 7,425 |
| Assets per employee ($millions) | 7.1808% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6411% | 121 |
| Loan loss allowance to noncurrent loans | 95.6159% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 5.0412% | 1,275 |
| Noncurrent loans to loans | 5.8997% | 1,079 |
| Net loans and leases to total assets | 59.1509% | 5,072 |
| Net loans and leases to deposits | 77.3096% | 3,957 |
| Net loans and leases to core deposits | 138.6034% | 271 |
| Total domestic deposits to total assets | 76.5117% | 6,568 |
| Equity capital to assets | 22.9939% | 166 |
| Core capital (leverage) ratio | 26.9880% | 105 |
| Tier 1 risk-based capital ratio | 34.0582% | 375 |
| Total risk-based capital ratio | 35.3577% | 367 |
| Memoranda: | ||
| Average total assets | $84,561,250 | 5,519 |
| Average earning assets | $79,504,500 | 5,426 |
| Average equity | $22,836,750 | 2,825 |
| Average total loans | $63,721,250 | 4,993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 2,968 |
| Cost of funding earning assets | 0.4643% | 7,588 |
| Net interest margin | 4.9376% | 492 |
| Noninterest income to average assets | 0.7017% | 2,691 |
| Noninterest expense to average assets | 2.2514% | 6,501 |
| Loan and lease loss provision to assets | 1.2620% | 1,103 |
| Net operating income to assets | 1.0601% | 1,981 |
| Return on assets (ROA) | 1.0601% | 2,054 |
| Pretax return on assets | 1.8047% | 880 |
| Return on Equity (ROE) | 3.6933% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.6933% | 3,751 |
| Net charge-offs to loans | 1.4135% | 1,349 |
| Credit loss provision to net charge-offs | 110.6195% | 3,671 |
| Earnings coverage of net charge-offs (x) | 2.6881% | 3,650 |
| Efficiency ratio | 42.3351% | 7,572 |
| Assets per employee ($millions) | 6.3652% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9648% | 106 |
| Loan loss allowance to noncurrent loans | 167.2021% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 4.6419% | 1,407 |
| Noncurrent loans to loans | 3.5674% | 2,210 |
| Net loans and leases to total assets | 71.3887% | 2,568 |
| Net loans and leases to deposits | 99.6206% | 758 |
| Net loans and leases to core deposits | 147.8722% | 229 |
| Total domestic deposits to total assets | 71.6606% | 7,212 |
| Equity capital to assets | 27.7339% | 102 |
| Core capital (leverage) ratio | 27.9266% | 95 |
| Tier 1 risk-based capital ratio | 33.5193% | 389 |
| Total risk-based capital ratio | 34.8222% | 383 |
| Memoranda: | ||
| Average total assets | $79,238,000 | 5,722 |
| Average earning assets | $74,084,330 | 5,636 |
| Average equity | $22,743,670 | 2,829 |
| Average total loans | $63,955,000 | 5,020 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 2,710 |
| Cost of funding earning assets | 0.4517% | 7,735 |
| Net interest margin | 5.0227% | 401 |
| Noninterest income to average assets | 0.5317% | 3,798 |
| Noninterest expense to average assets | 2.1889% | 6,715 |
| Loan and lease loss provision to assets | 1.0325% | 1,200 |
| Net operating income to assets | 1.1873% | 1,572 |
| Return on assets (ROA) | 1.1873% | 1,648 |
| Pretax return on assets | 2.0753% | 526 |
| Return on Equity (ROE) | 4.0634% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,717 |
| Net charge-offs to loans | -0.0186% | 7,057 |
| Credit loss provision to net charge-offs | -6,666.6667% | 6,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3255% | 7,697 |
| Assets per employee ($millions) | 6.2558% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0788% | 96 |
| Loan loss allowance to noncurrent loans | 96.9215% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 4.9530% | 1,306 |
| Noncurrent loans to loans | 6.2719% | 1,021 |
| Net loans and leases to total assets | 74.1703% | 1,931 |
| Net loans and leases to deposits | 104.3256% | 509 |
| Net loans and leases to core deposits | 113.1116% | 1,088 |
| Total domestic deposits to total assets | 71.0950% | 7,335 |
| Equity capital to assets | 27.9816% | 106 |
| Core capital (leverage) ratio | 29.6816% | 87 |
| Tier 1 risk-based capital ratio | 34.1502% | 379 |
| Total risk-based capital ratio | 35.4348% | 372 |
| Memoranda: | ||
| Average total assets | $77,483,500 | 5,836 |
| Average earning assets | $73,506,500 | 5,723 |
| Average equity | $22,641,000 | 2,858 |
| Average total loans | $64,523,000 | 5,062 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 6,649 |
| Cost of funding earning assets | 0.7188% | 7,664 |
| Net interest margin | 4.2076% | 2,039 |
| Noninterest income to average assets | 0.5887% | 3,725 |
| Noninterest expense to average assets | 3.0404% | 3,989 |
| Loan and lease loss provision to assets | 0.1274% | 6,365 |
| Net operating income to assets | 0.8193% | 2,454 |
| Return on assets (ROA) | 0.8193% | 2,545 |
| Pretax return on assets | 1.4565% | 1,298 |
| Return on Equity (ROE) | 2.8788% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.4669% | 3,413 |
| Net charge-offs to loans | -0.5500% | 7,951 |
| Credit loss provision to net charge-offs | -30.1205% | 7,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7481% | 5,447 |
| Assets per employee ($millions) | 5.6648% | 1,499 |
| Cash dividends to net income (ytd only)* | 14.3079% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7079% | 117 |
| Loan loss allowance to noncurrent loans | 91.8570% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 5.4697% | 1,074 |
| Noncurrent loans to loans | 6.2138% | 998 |
| Net loans and leases to total assets | 83.0002% | 542 |
| Net loans and leases to deposits | 121.0093% | 164 |
| Net loans and leases to core deposits | 174.9571% | 199 |
| Total domestic deposits to total assets | 68.5899% | 7,511 |
| Equity capital to assets | 30.5885% | 97 |
| Core capital (leverage) ratio | 30.1569% | 101 |
| Tier 1 risk-based capital ratio | 34.8032% | 347 |
| Total risk-based capital ratio | 36.1072% | 341 |
| Memoranda: | ||
| Average total assets | $78,477,200 | 5,773 |
| Average earning assets | $75,268,200 | 5,627 |
| Average equity | $22,335,600 | 2,906 |
| Average total loans | $60,366,400 | 5,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 7,281 |
| Cost of funding earning assets | 0.7465% | 7,763 |
| Net interest margin | 3.9561% | 3,008 |
| Noninterest income to average assets | 0.6308% | 3,486 |
| Noninterest expense to average assets | 2.9231% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9119% | 2,383 |
| Return on assets (ROA) | 0.9119% | 2,451 |
| Pretax return on assets | 1.5293% | 1,331 |
| Return on Equity (ROE) | 3.2603% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.2603% | 3,491 |
| Net charge-offs to loans | -1.0598% | 8,040 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6520% | 5,429 |
| Assets per employee ($millions) | 5.7104% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9347% | 85 |
| Loan loss allowance to noncurrent loans | 92.8252% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 5.0384% | 1,161 |
| Noncurrent loans to loans | 6.3934% | 906 |
| Net loans and leases to total assets | 74.1288% | 2,487 |
| Net loans and leases to deposits | 104.8754% | 714 |
| Net loans and leases to core deposits | 145.7526% | 698 |
| Total domestic deposits to total assets | 70.6827% | 7,357 |
| Equity capital to assets | 28.1703% | 134 |
| Core capital (leverage) ratio | 27.6030% | 143 |
| Tier 1 risk-based capital ratio | 34.9645% | 384 |
| Total risk-based capital ratio | 36.2702% | 380 |
| Memoranda: | ||
| Average total assets | $79,686,000 | 5,775 |
| Average earning assets | $76,976,250 | 5,596 |
| Average equity | $22,288,000 | 2,935 |
| Average total loans | $59,252,250 | 5,322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 7,452 |
| Cost of funding earning assets | 0.7863% | 7,835 |
| Net interest margin | 3.8720% | 3,239 |
| Noninterest income to average assets | 0.6834% | 3,093 |
| Noninterest expense to average assets | 2.5779% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1080% | 1,744 |
| Return on assets (ROA) | 1.1080% | 1,824 |
| Pretax return on assets | 1.8543% | 766 |
| Return on Equity (ROE) | 3.9711% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.9711% | 3,073 |
| Net charge-offs to loans | -1.2793% | 8,129 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1633% | 6,840 |
| Assets per employee ($millions) | 4.8691% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0561% | 78 |
| Loan loss allowance to noncurrent loans | 162.3829% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 2.8766% | 2,226 |
| Noncurrent loans to loans | 3.7295% | 1,859 |
| Net loans and leases to total assets | 72.4588% | 3,099 |
| Net loans and leases to deposits | 103.0185% | 986 |
| Net loans and leases to core deposits | 143.7129% | 850 |
| Total domestic deposits to total assets | 70.3357% | 7,436 |
| Equity capital to assets | 28.7799% | 147 |
| Core capital (leverage) ratio | 28.6688% | 152 |
| Tier 1 risk-based capital ratio | 36.0930% | 390 |
| Total risk-based capital ratio | 37.3698% | 388 |
| Memoranda: | ||
| Average total assets | $79,599,330 | 5,811 |
| Average earning assets | $77,066,670 | 5,631 |
| Average equity | $22,210,330 | 2,947 |
| Average total loans | $58,002,330 | 5,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 7,647 |
| Cost of funding earning assets | 0.8231% | 7,886 |
| Net interest margin | 3.7449% | 3,677 |
| Noninterest income to average assets | 0.7906% | 2,379 |
| Noninterest expense to average assets | 2.4265% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2132% | 1,620 |
| Return on assets (ROA) | 1.2132% | 1,729 |
| Pretax return on assets | 1.9839% | 680 |
| Return on Equity (ROE) | 4.4153% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.4153% | 3,459 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0169% | 7,100 |
| Assets per employee ($millions) | 5.5746% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5667% | 82 |
| Loan loss allowance to noncurrent loans | 145.8278% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 2.8715% | 1,984 |
| Noncurrent loans to loans | 3.8173% | 1,613 |
| Net loans and leases to total assets | 71.0343% | 3,459 |
| Net loans and leases to deposits | 100.8312% | 1,302 |
| Net loans and leases to core deposits | 135.9641% | 1,309 |
| Total domestic deposits to total assets | 70.4487% | 7,386 |
| Equity capital to assets | 28.4801% | 163 |
| Core capital (leverage) ratio | 27.1191% | 189 |
| Tier 1 risk-based capital ratio | 37.1659% | 377 |
| Total risk-based capital ratio | 38.4204% | 372 |
| Memoranda: | ||
| Average total assets | $80,446,500 | 5,806 |
| Average earning assets | $77,758,500 | 5,634 |
| Average equity | $22,105,000 | 2,960 |
| Average total loans | $56,959,500 | 5,504 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0887% | 5,105 |
| Cost of funding earning assets | 1.4032% | 7,733 |
| Net interest margin | 4.6855% | 995 |
| Noninterest income to average assets | 1.1132% | 1,261 |
| Noninterest expense to average assets | 2.4852% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8478% | 494 |
| Return on assets (ROA) | 1.8478% | 479 |
| Pretax return on assets | 3.1142% | 90 |
| Return on Equity (ROE) | 7.2928% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.8619% | 1,201 |
| Net charge-offs to loans | -0.6823% | 8,226 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3832% | 7,999 |
| Assets per employee ($millions) | 5.1781% | 1,749 |
| Cash dividends to net income (ytd only)* | 5.9088% | 4,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9189% | 58 |
| Loan loss allowance to noncurrent loans | 81.3948% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 4.8462% | 738 |
| Noncurrent loans to loans | 7.2718% | 401 |
| Net loans and leases to total assets | 62.6984% | 5,509 |
| Net loans and leases to deposits | 86.4943% | 4,038 |
| Net loans and leases to core deposits | 114.4062% | 3,289 |
| Total domestic deposits to total assets | 72.4885% | 6,915 |
| Equity capital to assets | 26.5338% | 230 |
| Core capital (leverage) ratio | 25.1272% | 261 |
| Tier 1 risk-based capital ratio | 36.9070% | 396 |
| Total risk-based capital ratio | 38.2085% | 387 |
| Memoranda: | ||
| Average total assets | $84,260,400 | 5,554 |
| Average earning assets | $80,674,200 | 5,411 |
| Average equity | $21,349,800 | 3,059 |
| Average total loans | $54,667,200 | 5,502 |