Home > Capital Community Bank > Performance and Condition Ratios
Capital Community 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 | 13.6680% | 61 |
| Cost of funding earning assets | 2.1216% | 741 |
| Net interest margin | 11.5464% | 23 |
| Noninterest income to average assets | 1.6100% | 360 |
| Noninterest expense to average assets | 5.1890% | 217 |
| Loan and lease loss provision to assets | 2.7500% | 17 |
| Net operating income to assets | 3.4115% | 131 |
| Return on assets (ROA) | 3.4115% | 128 |
| Pretax return on assets | 4.4270% | 102 |
| Return on Equity (ROE) | 23.4800% | 375 |
| Retained earnings to average equity (ytd only) | 23.4805% | 85 |
| Net charge-offs to loans | 2.6514% | 32 |
| Credit loss provision to net charge-offs | 124.9030% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.2625% | 2,650 |
| Efficiency ratio | 41.9749% | 4,316 |
| Assets per employee ($millions) | 6.9132% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2785% | 251 |
| Loan loss allowance to noncurrent loans | 125.7481% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 238 |
| Noncurrent loans to loans | 1.8120% | 331 |
| Net loans and leases to total assets | 83.1800% | 328 |
| Net loans and leases to deposits | 98.9056% | 600 |
| Net loans and leases to core deposits | 158.8890% | 159 |
| Total domestic deposits to total assets | 84.1000% | 2,598 |
| Equity capital to assets | 14.6105% | 589 |
| Core capital (leverage) ratio | 14.7216% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8552% | 1,102 |
| Memoranda: | ||
| Average total assets | $773,822,000 | 1,209 |
| Average earning assets | $720,736,000 | 1,202 |
| Average equity | $112,429,600 | 873 |
| Average total loans | $641,689,200 | 1,036 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3195% | 58 |
| Cost of funding earning assets | 1.8453% | 940 |
| Net interest margin | 11.4742% | 21 |
| Noninterest income to average assets | 1.5000% | 387 |
| Noninterest expense to average assets | 5.3214% | 209 |
| Loan and lease loss provision to assets | 2.6500% | 20 |
| Net operating income to assets | 3.1805% | 163 |
| Return on assets (ROA) | 3.1805% | 162 |
| Pretax return on assets | 4.2355% | 120 |
| Return on Equity (ROE) | 21.9300% | 564 |
| Retained earnings to average equity (ytd only) | 21.9260% | 197 |
| Net charge-offs to loans | 2.3819% | 35 |
| Credit loss provision to net charge-offs | 135.1788% | 1,387 |
| Earnings coverage of net charge-offs (x) | 3.5128% | 2,435 |
| Efficiency ratio | 43.5950% | 4,254 |
| Assets per employee ($millions) | 6.8548% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3843% | 237 |
| Loan loss allowance to noncurrent loans | 116.4471% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 208 |
| Noncurrent loans to loans | 2.0475% | 290 |
| Net loans and leases to total assets | 78.9900% | 758 |
| Net loans and leases to deposits | 98.4649% | 584 |
| Net loans and leases to core deposits | 155.7771% | 125 |
| Total domestic deposits to total assets | 80.2200% | 3,494 |
| Equity capital to assets | 13.8022% | 678 |
| Core capital (leverage) ratio | 14.8026% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9837% | 1,103 |
| Memoranda: | ||
| Average total assets | $749,513,000 | 1,240 |
| Average earning assets | $699,359,000 | 1,225 |
| Average equity | $108,720,500 | 888 |
| Average total loans | $616,759,500 | 1,072 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2558% | 57 |
| Cost of funding earning assets | 1.6097% | 1,042 |
| Net interest margin | 11.6461% | 23 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 5.6520% | 185 |
| Loan and lease loss provision to assets | 2.5700% | 17 |
| Net operating income to assets | 3.0490% | 145 |
| Return on assets (ROA) | 3.0490% | 144 |
| Pretax return on assets | 4.0606% | 113 |
| Return on Equity (ROE) | 20.6200% | 646 |
| Retained earnings to average equity (ytd only) | 20.6199% | 229 |
| Net charge-offs to loans | 2.3017% | 37 |
| Credit loss provision to net charge-offs | 134.9353% | 1,263 |
| Earnings coverage of net charge-offs (x) | 3.4791% | 2,260 |
| Efficiency ratio | 46.0061% | 4,164 |
| Assets per employee ($millions) | 6.2109% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3694% | 251 |
| Loan loss allowance to noncurrent loans | 314.6954% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 871 |
| Noncurrent loans to loans | 0.7529% | 1,004 |
| Net loans and leases to total assets | 79.7900% | 656 |
| Net loans and leases to deposits | 100.7326% | 483 |
| Net loans and leases to core deposits | 150.9819% | 139 |
| Total domestic deposits to total assets | 79.2100% | 3,691 |
| Equity capital to assets | 14.3354% | 599 |
| Core capital (leverage) ratio | 15.2911% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2700% | 919 |
| Memoranda: | ||
| Average total assets | $713,732,000 | 1,281 |
| Average earning assets | $665,733,000 | 1,275 |
| Average equity | $105,539,000 | 900 |
| Average total loans | $591,218,667 | 1,090 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0219% | 16 |
| Cost of funding earning assets | 1.3205% | 1,185 |
| Net interest margin | 11.7014% | 14 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 5.9641% | 182 |
| Loan and lease loss provision to assets | 2.7000% | 15 |
| Net operating income to assets | 2.6359% | 213 |
| Return on assets (ROA) | 2.6359% | 210 |
| Pretax return on assets | 3.5105% | 140 |
| Return on Equity (ROE) | 17.5200% | 1,096 |
| Retained earnings to average equity (ytd only) | 17.5217% | 558 |
| Net charge-offs to loans | 2.4480% | 37 |
| Credit loss provision to net charge-offs | 132.1859% | 997 |
| Earnings coverage of net charge-offs (x) | 3.0399% | 1,904 |
| Efficiency ratio | 48.9842% | 4,027 |
| Assets per employee ($millions) | 6.0134% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 262 |
| Loan loss allowance to noncurrent loans | 328.8305% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 880 |
| Noncurrent loans to loans | 0.7162% | 1,059 |
| Net loans and leases to total assets | 79.8300% | 553 |
| Net loans and leases to deposits | 102.0297% | 359 |
| Net loans and leases to core deposits | 133.2671% | 245 |
| Total domestic deposits to total assets | 78.2400% | 3,980 |
| Equity capital to assets | 14.6605% | 511 |
| Core capital (leverage) ratio | 15.8702% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2144% | 963 |
| Memoranda: | ||
| Average total assets | $682,419,000 | 1,340 |
| Average earning assets | $634,900,000 | 1,331 |
| Average equity | $102,661,500 | 928 |
| Average total loans | $569,597,000 | 1,126 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9406% | 13 |
| Cost of funding earning assets | 0.7118% | 557 |
| Net interest margin | 12.2288% | 13 |
| Noninterest income to average assets | 2.1000% | 232 |
| Noninterest expense to average assets | 5.2094% | 203 |
| Loan and lease loss provision to assets | 3.2800% | 11 |
| Net operating income to assets | 3.7534% | 83 |
| Return on assets (ROA) | 3.7534% | 80 |
| Pretax return on assets | 4.9990% | 74 |
| Return on Equity (ROE) | 25.0700% | 211 |
| Retained earnings to average equity (ytd only) | 25.0668% | 47 |
| Net charge-offs to loans | 3.2687% | 16 |
| Credit loss provision to net charge-offs | 120.4926% | 1,455 |
| Earnings coverage of net charge-offs (x) | 3.0432% | 2,479 |
| Efficiency ratio | 38.6309% | 4,567 |
| Assets per employee ($millions) | 5.2131% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2838% | 273 |
| Loan loss allowance to noncurrent loans | 144.9382% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3508% | 259 |
| Noncurrent loans to loans | 1.5757% | 408 |
| Net loans and leases to total assets | 83.7700% | 275 |
| Net loans and leases to deposits | 108.5246% | 187 |
| Net loans and leases to core deposits | 137.6938% | 156 |
| Total domestic deposits to total assets | 77.1900% | 4,155 |
| Equity capital to assets | 15.4938% | 426 |
| Core capital (leverage) ratio | 15.6818% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5431% | 889 |
| Memoranda: | ||
| Average total assets | $591,275,800 | 1,506 |
| Average earning assets | $550,569,000 | 1,500 |
| Average equity | $88,535,400 | 1,050 |
| Average total loans | $491,912,000 | 1,193 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8532% | 13 |
| Cost of funding earning assets | 0.6055% | 420 |
| Net interest margin | 12.2478% | 13 |
| Noninterest income to average assets | 1.9600% | 274 |
| Noninterest expense to average assets | 5.2123% | 206 |
| Loan and lease loss provision to assets | 3.3100% | 9 |
| Net operating income to assets | 3.6347% | 88 |
| Return on assets (ROA) | 3.6347% | 83 |
| Pretax return on assets | 4.8413% | 75 |
| Return on Equity (ROE) | 24.5100% | 202 |
| Retained earnings to average equity (ytd only) | 24.5125% | 50 |
| Net charge-offs to loans | 3.2611% | 15 |
| Credit loss provision to net charge-offs | 122.9937% | 1,207 |
| Earnings coverage of net charge-offs (x) | 3.0297% | 2,222 |
| Efficiency ratio | 39.0082% | 4,595 |
| Assets per employee ($millions) | 5.3724% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 325 |
| Loan loss allowance to noncurrent loans | 3,289.6175% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,325 |
| Noncurrent loans to loans | 0.0681% | 3,389 |
| Net loans and leases to total assets | 81.4400% | 411 |
| Net loans and leases to deposits | 104.4021% | 228 |
| Net loans and leases to core deposits | 133.3825% | 130 |
| Total domestic deposits to total assets | 78.0100% | 4,260 |
| Equity capital to assets | 14.5352% | 499 |
| Core capital (leverage) ratio | 14.7393% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9152% | 1,005 |
| Memoranda: | ||
| Average total assets | $577,488,250 | 1,553 |
| Average earning assets | $537,532,750 | 1,545 |
| Average equity | $85,630,250 | 1,087 |
| Average total loans | $476,351,000 | 1,218 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7643% | 13 |
| Cost of funding earning assets | 0.5012% | 515 |
| Net interest margin | 12.2632% | 13 |
| Noninterest income to average assets | 1.9899% | 235 |
| Noninterest expense to average assets | 5.2276% | 163 |
| Loan and lease loss provision to assets | 3.3512% | 9 |
| Net operating income to assets | 3.6246% | 52 |
| Return on assets (ROA) | 3.6246% | 51 |
| Pretax return on assets | 4.8284% | 42 |
| Return on Equity (ROE) | 24.2590% | 135 |
| Retained earnings to average equity (ytd only) | 24.2590% | 39 |
| Net charge-offs to loans | 3.2904% | 15 |
| Credit loss provision to net charge-offs | 123.9472% | 1,171 |
| Earnings coverage of net charge-offs (x) | 3.0253% | 2,010 |
| Efficiency ratio | 38.9912% | 4,638 |
| Assets per employee ($millions) | 5.8602% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 368 |
| Loan loss allowance to noncurrent loans | 2,363.9831% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,210 |
| Noncurrent loans to loans | 0.0943% | 3,301 |
| Net loans and leases to total assets | 79.5543% | 439 |
| Net loans and leases to deposits | 102.3120% | 202 |
| Net loans and leases to core deposits | 131.0201% | 120 |
| Total domestic deposits to total assets | 77.7566% | 4,366 |
| Equity capital to assets | 14.3052% | 483 |
| Core capital (leverage) ratio | 15.7851% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2650% | 954 |
| Memoranda: | ||
| Average total assets | $555,090,333 | 1,610 |
| Average earning assets | $516,799,667 | 1,619 |
| Average equity | $82,938,333 | 1,121 |
| Average total loans | $456,108,333 | 1,253 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8322% | 13 |
| Cost of funding earning assets | 0.5281% | 428 |
| Net interest margin | 12.3041% | 13 |
| Noninterest income to average assets | 2.1304% | 220 |
| Noninterest expense to average assets | 5.2475% | 160 |
| Loan and lease loss provision to assets | 3.3396% | 7 |
| Net operating income to assets | 3.7084% | 55 |
| Return on assets (ROA) | 3.7084% | 53 |
| Pretax return on assets | 4.9412% | 44 |
| Return on Equity (ROE) | 24.2151% | 102 |
| Retained earnings to average equity (ytd only) | 24.2151% | 53 |
| Net charge-offs to loans | 3.6014% | 16 |
| Credit loss provision to net charge-offs | 112.2120% | 960 |
| Earnings coverage of net charge-offs (x) | 2.7824% | 1,691 |
| Efficiency ratio | 38.7891% | 4,665 |
| Assets per employee ($millions) | 5.2243% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1762% | 454 |
| Loan loss allowance to noncurrent loans | 565.4023% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 752 |
| Noncurrent loans to loans | 0.3849% | 2,105 |
| Net loans and leases to total assets | 83.8112% | 92 |
| Net loans and leases to deposits | 111.2842% | 66 |
| Net loans and leases to core deposits | 137.3415% | 68 |
| Total domestic deposits to total assets | 75.3128% | 4,528 |
| Equity capital to assets | 15.6979% | 341 |
| Core capital (leverage) ratio | 15.1468% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0284% | 899 |
| Memoranda: | ||
| Average total assets | $524,974,000 | 1,696 |
| Average earning assets | $486,307,500 | 1,695 |
| Average equity | $80,396,000 | 1,193 |
| Average total loans | $433,825,500 | 1,285 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7582% | 16 |
| Cost of funding earning assets | 0.7148% | 303 |
| Net interest margin | 10.0434% | 18 |
| Noninterest income to average assets | 1.5754% | 457 |
| Noninterest expense to average assets | 4.6760% | 200 |
| Loan and lease loss provision to assets | 2.2090% | 9 |
| Net operating income to assets | 3.0525% | 99 |
| Return on assets (ROA) | 3.0525% | 99 |
| Pretax return on assets | 4.0576% | 77 |
| Return on Equity (ROE) | 23.6333% | 154 |
| Retained earnings to average equity (ytd only) | 23.6333% | 30 |
| Net charge-offs to loans | 1.8589% | 25 |
| Credit loss provision to net charge-offs | 150.9951% | 1,491 |
| Earnings coverage of net charge-offs (x) | 4.2835% | 2,500 |
| Efficiency ratio | 42.7322% | 4,614 |
| Assets per employee ($millions) | 5.0709% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 414 |
| Loan loss allowance to noncurrent loans | 779.4338% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 995 |
| Noncurrent loans to loans | 0.2890% | 2,560 |
| Net loans and leases to total assets | 77.7759% | 393 |
| Net loans and leases to deposits | 101.3045% | 176 |
| Net loans and leases to core deposits | 125.5170% | 126 |
| Total domestic deposits to total assets | 76.7744% | 4,475 |
| Equity capital to assets | 14.9267% | 501 |
| Core capital (leverage) ratio | 13.9681% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4172% | 833 |
| Memoranda: | ||
| Average total assets | $501,457,200 | 1,695 |
| Average earning assets | $467,691,000 | 1,692 |
| Average equity | $64,768,800 | 1,430 |
| Average total loans | $394,639,800 | 1,392 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8635% | 19 |
| Cost of funding earning assets | 0.7468% | 310 |
| Net interest margin | 9.1166% | 19 |
| Noninterest income to average assets | 1.5092% | 541 |
| Noninterest expense to average assets | 4.5087% | 213 |
| Loan and lease loss provision to assets | 1.7542% | 11 |
| Net operating income to assets | 2.8273% | 146 |
| Return on assets (ROA) | 2.8273% | 146 |
| Pretax return on assets | 3.7703% | 99 |
| Return on Equity (ROE) | 22.8245% | 259 |
| Retained earnings to average equity (ytd only) | 22.8245% | 75 |
| Net charge-offs to loans | 1.4634% | 41 |
| Credit loss provision to net charge-offs | 152.7609% | 1,347 |
| Earnings coverage of net charge-offs (x) | 4.8109% | 2,248 |
| Efficiency ratio | 44.9375% | 4,545 |
| Assets per employee ($millions) | 6.0083% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 630 |
| Loan loss allowance to noncurrent loans | 435.8052% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 683 |
| Noncurrent loans to loans | 0.4589% | 2,185 |
| Net loans and leases to total assets | 73.8191% | 708 |
| Net loans and leases to deposits | 95.2006% | 373 |
| Net loans and leases to core deposits | 121.1555% | 177 |
| Total domestic deposits to total assets | 77.5406% | 4,461 |
| Equity capital to assets | 13.9995% | 737 |
| Core capital (leverage) ratio | 14.0559% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0671% | 944 |
| Memoranda: | ||
| Average total assets | $496,247,000 | 1,723 |
| Average earning assets | $463,989,500 | 1,719 |
| Average equity | $61,470,500 | 1,505 |
| Average total loans | $389,404,000 | 1,438 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8453% | 21 |
| Cost of funding earning assets | 0.7883% | 302 |
| Net interest margin | 8.0570% | 21 |
| Noninterest income to average assets | 1.2474% | 752 |
| Noninterest expense to average assets | 4.1943% | 249 |
| Loan and lease loss provision to assets | 1.3134% | 22 |
| Net operating income to assets | 2.4627% | 230 |
| Return on assets (ROA) | 2.4627% | 246 |
| Pretax return on assets | 3.2838% | 140 |
| Return on Equity (ROE) | 20.8519% | 395 |
| Retained earnings to average equity (ytd only) | 20.8519% | 138 |
| Net charge-offs to loans | 1.1254% | 71 |
| Credit loss provision to net charge-offs | 146.6331% | 1,173 |
| Earnings coverage of net charge-offs (x) | 5.1324% | 2,011 |
| Efficiency ratio | 47.7084% | 4,409 |
| Assets per employee ($millions) | 5.4652% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 978 |
| Loan loss allowance to noncurrent loans | 588.9973% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9041% | 857 |
| Noncurrent loans to loans | 0.2960% | 2,870 |
| Net loans and leases to total assets | 76.0548% | 589 |
| Net loans and leases to deposits | 96.2289% | 377 |
| Net loans and leases to core deposits | 126.5212% | 157 |
| Total domestic deposits to total assets | 79.0352% | 4,340 |
| Equity capital to assets | 12.3318% | 1,206 |
| Core capital (leverage) ratio | 12.1178% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8568% | 1,371 |
| Memoranda: | ||
| Average total assets | $487,422,667 | 1,743 |
| Average earning assets | $456,400,333 | 1,736 |
| Average equity | $57,568,000 | 1,579 |
| Average total loans | $387,958,000 | 1,446 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5216% | 23 |
| Cost of funding earning assets | 0.8230% | 316 |
| Net interest margin | 7.6986% | 22 |
| Noninterest income to average assets | 0.9736% | 1,180 |
| Noninterest expense to average assets | 3.9266% | 305 |
| Loan and lease loss provision to assets | 1.2506% | 30 |
| Net operating income to assets | 2.2580% | 379 |
| Return on assets (ROA) | 2.2580% | 408 |
| Pretax return on assets | 3.0148% | 232 |
| Return on Equity (ROE) | 19.5559% | 563 |
| Retained earnings to average equity (ytd only) | 19.5559% | 287 |
| Net charge-offs to loans | 1.0307% | 73 |
| Credit loss provision to net charge-offs | 150.3469% | 978 |
| Earnings coverage of net charge-offs (x) | 5.1278% | 1,695 |
| Efficiency ratio | 47.9320% | 4,343 |
| Assets per employee ($millions) | 5.8210% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,485 |
| Loan loss allowance to noncurrent loans | 506.8652% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 910 |
| Noncurrent loans to loans | 0.3028% | 3,010 |
| Net loans and leases to total assets | 80.4118% | 314 |
| Net loans and leases to deposits | 100.8143% | 262 |
| Net loans and leases to core deposits | 132.0655% | 131 |
| Total domestic deposits to total assets | 79.7623% | 4,232 |
| Equity capital to assets | 11.7379% | 1,420 |
| Core capital (leverage) ratio | 11.8671% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7661% | 1,649 |
| Memoranda: | ||
| Average total assets | $485,200,000 | 1,740 |
| Average earning assets | $454,939,500 | 1,728 |
| Average equity | $56,024,000 | 1,605 |
| Average total loans | $391,573,500 | 1,443 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4201% | 33 |
| Cost of funding earning assets | 1.3578% | 147 |
| Net interest margin | 6.0623% | 42 |
| Noninterest income to average assets | 0.9735% | 1,099 |
| Noninterest expense to average assets | 3.0773% | 1,276 |
| Loan and lease loss provision to assets | 1.6540% | 38 |
| Net operating income to assets | 1.4356% | 941 |
| Return on assets (ROA) | 1.4356% | 1,027 |
| Pretax return on assets | 1.9281% | 525 |
| Return on Equity (ROE) | 12.6308% | 1,140 |
| Retained earnings to average equity (ytd only) | 12.6308% | 266 |
| Net charge-offs to loans | 2.1482% | 41 |
| Credit loss provision to net charge-offs | 97.0005% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.1008% | 3,201 |
| Efficiency ratio | 46.2101% | 4,709 |
| Assets per employee ($millions) | 5.9437% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,714 |
| Loan loss allowance to noncurrent loans | 360.7189% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 754 |
| Noncurrent loans to loans | 0.4059% | 2,761 |
| Net loans and leases to total assets | 78.5596% | 548 |
| Net loans and leases to deposits | 98.0810% | 457 |
| Net loans and leases to core deposits | 128.8045% | 211 |
| Total domestic deposits to total assets | 80.0967% | 4,026 |
| Equity capital to assets | 11.3523% | 1,988 |
| Core capital (leverage) ratio | 10.9797% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5331% | 1,672 |
| Memoranda: | ||
| Average total assets | $449,706,000 | 1,703 |
| Average earning assets | $421,788,600 | 1,687 |
| Average equity | $51,113,200 | 1,661 |
| Average total loans | $356,942,200 | 1,490 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2096% | 42 |
| Cost of funding earning assets | 1.4581% | 141 |
| Net interest margin | 5.7515% | 56 |
| Noninterest income to average assets | 0.7464% | 1,659 |
| Noninterest expense to average assets | 3.0495% | 1,339 |
| Loan and lease loss provision to assets | 1.3557% | 71 |
| Net operating income to assets | 1.3222% | 1,307 |
| Return on assets (ROA) | 1.3222% | 1,392 |
| Pretax return on assets | 1.7378% | 893 |
| Return on Equity (ROE) | 11.6293% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.6293% | 481 |
| Net charge-offs to loans | 1.4265% | 83 |
| Credit loss provision to net charge-offs | 119.8826% | 2,497 |
| Earnings coverage of net charge-offs (x) | 2.7355% | 2,963 |
| Efficiency ratio | 49.6413% | 4,519 |
| Assets per employee ($millions) | 6.1576% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 894 |
| Loan loss allowance to noncurrent loans | 121.4102% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.9243% | 359 |
| Noncurrent loans to loans | 1.4025% | 1,034 |
| Net loans and leases to total assets | 80.2970% | 588 |
| Net loans and leases to deposits | 100.0434% | 530 |
| Net loans and leases to core deposits | 129.9491% | 254 |
| Total domestic deposits to total assets | 80.2622% | 3,808 |
| Equity capital to assets | 11.0896% | 2,329 |
| Core capital (leverage) ratio | 11.2840% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6565% | 1,609 |
| Memoranda: | ||
| Average total assets | $441,773,250 | 1,704 |
| Average earning assets | $414,510,000 | 1,688 |
| Average equity | $50,228,000 | 1,678 |
| Average total loans | $350,219,000 | 1,498 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3264% | 49 |
| Cost of funding earning assets | 1.5712% | 131 |
| Net interest margin | 5.7551% | 75 |
| Noninterest income to average assets | 0.7026% | 1,729 |
| Noninterest expense to average assets | 3.1941% | 1,173 |
| Loan and lease loss provision to assets | 1.1912% | 142 |
| Net operating income to assets | 1.3174% | 1,315 |
| Return on assets (ROA) | 1.3174% | 1,414 |
| Pretax return on assets | 1.7309% | 930 |
| Return on Equity (ROE) | 11.4837% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.4837% | 535 |
| Net charge-offs to loans | 1.2455% | 106 |
| Credit loss provision to net charge-offs | 122.0057% | 2,270 |
| Earnings coverage of net charge-offs (x) | 2.9929% | 2,718 |
| Efficiency ratio | 52.2231% | 4,339 |
| Assets per employee ($millions) | 5.9801% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 799 |
| Loan loss allowance to noncurrent loans | 96.0883% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 553 |
| Noncurrent loans to loans | 1.7791% | 792 |
| Net loans and leases to total assets | 77.8170% | 870 |
| Net loans and leases to deposits | 97.0563% | 723 |
| Net loans and leases to core deposits | 125.5493% | 317 |
| Total domestic deposits to total assets | 80.1771% | 3,798 |
| Equity capital to assets | 10.9416% | 2,400 |
| Core capital (leverage) ratio | 11.3365% | 1,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8815% | 1,524 |
| Memoranda: | ||
| Average total assets | $430,985,667 | 1,711 |
| Average earning assets | $405,411,333 | 1,692 |
| Average equity | $49,444,000 | 1,687 |
| Average total loans | $337,854,667 | 1,518 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9987% | 62 |
| Cost of funding earning assets | 1.7087% | 125 |
| Net interest margin | 5.2900% | 131 |
| Noninterest income to average assets | 0.7395% | 1,500 |
| Noninterest expense to average assets | 3.3113% | 1,204 |
| Loan and lease loss provision to assets | 1.2651% | 140 |
| Net operating income to assets | 0.8682% | 2,624 |
| Return on assets (ROA) | 0.8682% | 2,731 |
| Pretax return on assets | 1.1315% | 2,419 |
| Return on Equity (ROE) | 7.3755% | 2,787 |
| Retained earnings to average equity (ytd only) | 7.3755% | 1,415 |
| Net charge-offs to loans | 1.2603% | 118 |
| Credit loss provision to net charge-offs | 128.7685% | 1,674 |
| Earnings coverage of net charge-offs (x) | 2.4394% | 2,290 |
| Efficiency ratio | 58.0125% | 4,000 |
| Assets per employee ($millions) | 5.4056% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 592 |
| Loan loss allowance to noncurrent loans | 98.2091% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 528 |
| Noncurrent loans to loans | 1.9478% | 745 |
| Net loans and leases to total assets | 76.6592% | 1,192 |
| Net loans and leases to deposits | 98.2042% | 690 |
| Net loans and leases to core deposits | 122.4348% | 401 |
| Total domestic deposits to total assets | 78.0611% | 4,212 |
| Equity capital to assets | 11.9507% | 2,106 |
| Core capital (leverage) ratio | 11.9348% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9523% | 1,923 |
| Memoranda: | ||
| Average total assets | $413,253,000 | 1,729 |
| Average earning assets | $388,127,000 | 1,711 |
| Average equity | $48,647,500 | 1,704 |
| Average total loans | $322,136,500 | 1,553 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8170% | 49 |
| Cost of funding earning assets | 1.8323% | 125 |
| Net interest margin | 5.9847% | 67 |
| Noninterest income to average assets | 0.7000% | 1,822 |
| Noninterest expense to average assets | 2.8648% | 2,397 |
| Loan and lease loss provision to assets | 1.9231% | 46 |
| Net operating income to assets | 1.2166% | 1,995 |
| Return on assets (ROA) | 1.2166% | 2,086 |
| Pretax return on assets | 1.6431% | 1,354 |
| Return on Equity (ROE) | 11.7169% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.7169% | 261 |
| Net charge-offs to loans | 1.7000% | 80 |
| Credit loss provision to net charge-offs | 142.9747% | 1,796 |
| Earnings coverage of net charge-offs (x) | 2.6513% | 3,391 |
| Efficiency ratio | 44.5474% | 4,958 |
| Assets per employee ($millions) | 6.0244% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 643 |
| Loan loss allowance to noncurrent loans | 984.8485% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 2,854 |
| Noncurrent loans to loans | 0.1838% | 3,793 |
| Net loans and leases to total assets | 76.3436% | 1,352 |
| Net loans and leases to deposits | 97.6353% | 788 |
| Net loans and leases to core deposits | 120.6472% | 461 |
| Total domestic deposits to total assets | 78.1926% | 4,328 |
| Equity capital to assets | 11.5951% | 2,434 |
| Core capital (leverage) ratio | 10.6531% | 2,805 |
| Tier 1 risk-based capital ratio | 13.2882% | 3,636 |
| Total risk-based capital ratio | 14.5429% | 3,515 |
| Memoranda: | ||
| Average total assets | $442,887,000 | 1,589 |
| Average earning assets | $424,113,400 | 1,528 |
| Average equity | $45,985,000 | 1,723 |
| Average total loans | $350,421,000 | 1,419 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7687% | 50 |
| Cost of funding earning assets | 1.7632% | 162 |
| Net interest margin | 6.0055% | 66 |
| Noninterest income to average assets | 0.9076% | 1,126 |
| Noninterest expense to average assets | 2.6966% | 2,875 |
| Loan and lease loss provision to assets | 2.2551% | 40 |
| Net operating income to assets | 1.3043% | 1,842 |
| Return on assets (ROA) | 1.3043% | 1,925 |
| Pretax return on assets | 1.7283% | 1,255 |
| Return on Equity (ROE) | 12.9100% | 1,315 |
| Retained earnings to average equity (ytd only) | 12.9100% | 294 |
| Net charge-offs to loans | 1.6314% | 77 |
| Credit loss provision to net charge-offs | 174.0105% | 1,468 |
| Earnings coverage of net charge-offs (x) | 3.0737% | 3,138 |
| Efficiency ratio | 40.3684% | 5,112 |
| Assets per employee ($millions) | 6.7921% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 609 |
| Loan loss allowance to noncurrent loans | 1,231.1321% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,134 |
| Noncurrent loans to loans | 0.1502% | 4,001 |
| Net loans and leases to total assets | 73.9174% | 1,833 |
| Net loans and leases to deposits | 91.1374% | 1,551 |
| Net loans and leases to core deposits | 115.3409% | 686 |
| Total domestic deposits to total assets | 81.1054% | 3,725 |
| Equity capital to assets | 10.1815% | 3,842 |
| Core capital (leverage) ratio | 9.9914% | 3,650 |
| Tier 1 risk-based capital ratio | 12.7098% | 4,025 |
| Total risk-based capital ratio | 13.9659% | 3,894 |
| Memoranda: | ||
| Average total assets | $449,687,750 | 1,561 |
| Average earning assets | $432,235,500 | 1,512 |
| Average equity | $45,431,500 | 1,744 |
| Average total loans | $357,226,750 | 1,401 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8172% | 35 |
| Cost of funding earning assets | 1.6706% | 207 |
| Net interest margin | 7.1466% | 40 |
| Noninterest income to average assets | 0.7186% | 1,639 |
| Noninterest expense to average assets | 2.8027% | 2,578 |
| Loan and lease loss provision to assets | 3.1716% | 25 |
| Net operating income to assets | 1.2234% | 2,061 |
| Return on assets (ROA) | 1.2234% | 2,119 |
| Pretax return on assets | 1.6199% | 1,486 |
| Return on Equity (ROE) | 12.1424% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.1424% | 393 |
| Net charge-offs to loans | 1.4900% | 79 |
| Credit loss provision to net charge-offs | 263.1362% | 982 |
| Earnings coverage of net charge-offs (x) | 3.9753% | 2,780 |
| Efficiency ratio | 36.9053% | 5,203 |
| Assets per employee ($millions) | 6.8755% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0908% | 401 |
| Loan loss allowance to noncurrent loans | 282.5637% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 1,750 |
| Noncurrent loans to loans | 0.7399% | 2,140 |
| Net loans and leases to total assets | 75.5017% | 1,628 |
| Net loans and leases to deposits | 92.4982% | 1,434 |
| Net loans and leases to core deposits | 113.1483% | 814 |
| Total domestic deposits to total assets | 81.6250% | 3,627 |
| Equity capital to assets | 9.7023% | 4,233 |
| Core capital (leverage) ratio | 10.1591% | 3,434 |
| Tier 1 risk-based capital ratio | 11.8537% | 4,502 |
| Total risk-based capital ratio | 13.1127% | 4,377 |
| Memoranda: | ||
| Average total assets | $443,366,000 | 1,582 |
| Average earning assets | $426,553,000 | 1,535 |
| Average equity | $44,670,000 | 1,770 |
| Average total loans | $358,655,330 | 1,403 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8690% | 36 |
| Cost of funding earning assets | 1.6338% | 203 |
| Net interest margin | 7.2352% | 37 |
| Noninterest income to average assets | 0.7405% | 1,463 |
| Noninterest expense to average assets | 2.6533% | 3,049 |
| Loan and lease loss provision to assets | 3.3807% | 21 |
| Net operating income to assets | 1.2593% | 1,848 |
| Return on assets (ROA) | 1.2593% | 1,897 |
| Pretax return on assets | 1.6660% | 1,295 |
| Return on Equity (ROE) | 12.2481% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.2481% | 567 |
| Net charge-offs to loans | 1.2201% | 101 |
| Credit loss provision to net charge-offs | 333.8873% | 768 |
| Earnings coverage of net charge-offs (x) | 4.9843% | 2,291 |
| Efficiency ratio | 34.4585% | 5,288 |
| Assets per employee ($millions) | 7.0232% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 1,014 |
| Loan loss allowance to noncurrent loans | 306.4737% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 2,066 |
| Noncurrent loans to loans | 0.5305% | 2,725 |
| Net loans and leases to total assets | 80.9150% | 720 |
| Net loans and leases to deposits | 101.1236% | 550 |
| Net loans and leases to core deposits | 123.0446% | 446 |
| Total domestic deposits to total assets | 80.0159% | 4,177 |
| Equity capital to assets | 10.2572% | 3,565 |
| Core capital (leverage) ratio | 10.4013% | 3,160 |
| Tier 1 risk-based capital ratio | 11.8351% | 4,546 |
| Total risk-based capital ratio | 13.0890% | 4,447 |
| Memoranda: | ||
| Average total assets | $427,843,000 | 1,646 |
| Average earning assets | $411,544,500 | 1,592 |
| Average equity | $43,990,500 | 1,780 |
| Average total loans | $355,064,000 | 1,420 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7674% | 248 |
| Cost of funding earning assets | 1.1171% | 464 |
| Net interest margin | 4.6504% | 543 |
| Noninterest income to average assets | 0.1933% | 4,749 |
| Noninterest expense to average assets | 2.9005% | 2,353 |
| Loan and lease loss provision to assets | 0.3864% | 362 |
| Net operating income to assets | 1.0317% | 2,881 |
| Return on assets (ROA) | 1.0317% | 2,867 |
| Pretax return on assets | 1.3674% | 2,247 |
| Return on Equity (ROE) | 9.5744% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.5744% | 716 |
| Net charge-offs to loans | 0.4859% | 371 |
| Credit loss provision to net charge-offs | 93.0006% | 2,681 |
| Earnings coverage of net charge-offs (x) | 4.2216% | 3,319 |
| Efficiency ratio | 62.3185% | 3,463 |
| Assets per employee ($millions) | 6.2723% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 4,023 |
| Loan loss allowance to noncurrent loans | 228.6310% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 2,255 |
| Noncurrent loans to loans | 0.4088% | 3,069 |
| Net loans and leases to total assets | 82.9702% | 513 |
| Net loans and leases to deposits | 104.2102% | 471 |
| Net loans and leases to core deposits | 121.2907% | 513 |
| Total domestic deposits to total assets | 79.6181% | 4,188 |
| Equity capital to assets | 10.3076% | 3,367 |
| Core capital (leverage) ratio | 11.2137% | 2,339 |
| Tier 1 risk-based capital ratio | 11.7005% | 4,625 |
| Total risk-based capital ratio | 12.5973% | 4,702 |
| Memoranda: | ||
| Average total assets | $371,421,600 | 1,826 |
| Average earning assets | $356,295,200 | 1,783 |
| Average equity | $40,023,600 | 1,859 |
| Average total loans | $317,569,600 | 1,522 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,330 |
| Cost of funding earning assets | 1.0620% | 460 |
| Net interest margin | 3.1365% | 4,642 |
| Noninterest income to average assets | 0.2472% | 4,499 |
| Noninterest expense to average assets | 2.7994% | 2,632 |
| Loan and lease loss provision to assets | -0.0575% | 5,304 |
| Net operating income to assets | 0.3957% | 4,965 |
| Return on assets (ROA) | 0.3957% | 4,965 |
| Pretax return on assets | 0.5122% | 4,885 |
| Return on Equity (ROE) | 3.6257% | 4,898 |
| Retained earnings to average equity (ytd only) | 3.6257% | 3,953 |
| Net charge-offs to loans | 0.3254% | 514 |
| Credit loss provision to net charge-offs | -20.5570% | 4,115 |
| Earnings coverage of net charge-offs (x) | 1.6247% | 3,331 |
| Efficiency ratio | 86.0271% | 513 |
| Assets per employee ($millions) | 5.6250% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 4,730 |
| Loan loss allowance to noncurrent loans | 374.8494% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,734 |
| Noncurrent loans to loans | 0.2031% | 3,988 |
| Net loans and leases to total assets | 86.1017% | 256 |
| Net loans and leases to deposits | 105.8273% | 449 |
| Net loans and leases to core deposits | 119.1385% | 604 |
| Total domestic deposits to total assets | 81.3606% | 3,775 |
| Equity capital to assets | 10.5476% | 3,097 |
| Core capital (leverage) ratio | 10.8589% | 2,720 |
| Tier 1 risk-based capital ratio | 11.4569% | 4,818 |
| Total risk-based capital ratio | 12.1830% | 4,969 |
| Memoranda: | ||
| Average total assets | $359,215,750 | 1,883 |
| Average earning assets | $344,370,000 | 1,838 |
| Average equity | $39,200,250 | 1,898 |
| Average total loans | $308,970,000 | 1,557 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 4,037 |
| Cost of funding earning assets | 0.9997% | 472 |
| Net interest margin | 2.9137% | 4,995 |
| Noninterest income to average assets | 0.2343% | 4,612 |
| Noninterest expense to average assets | 2.8195% | 2,603 |
| Loan and lease loss provision to assets | -0.2581% | 5,486 |
| Net operating income to assets | 0.3634% | 5,030 |
| Return on assets (ROA) | 0.3634% | 5,027 |
| Pretax return on assets | 0.4692% | 4,960 |
| Return on Equity (ROE) | 3.2909% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.2909% | 3,926 |
| Net charge-offs to loans | 0.0944% | 1,405 |
| Credit loss provision to net charge-offs | -318.8811% | 4,284 |
| Earnings coverage of net charge-offs (x) | 2.6084% | 2,959 |
| Efficiency ratio | 93.0332% | 285 |
| Assets per employee ($millions) | 5.5869% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,367 |
| Loan loss allowance to noncurrent loans | 332.0285% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 2,552 |
| Noncurrent loans to loans | 0.2691% | 3,747 |
| Net loans and leases to total assets | 85.4889% | 305 |
| Net loans and leases to deposits | 102.1197% | 653 |
| Net loans and leases to core deposits | 114.4565% | 774 |
| Total domestic deposits to total assets | 83.7144% | 3,168 |
| Equity capital to assets | 10.8294% | 2,807 |
| Core capital (leverage) ratio | 11.3921% | 2,162 |
| Tier 1 risk-based capital ratio | 11.7702% | 4,640 |
| Total risk-based capital ratio | 12.6169% | 4,759 |
| Memoranda: | ||
| Average total assets | $353,330,000 | 1,922 |
| Average earning assets | $339,093,000 | 1,873 |
| Average equity | $39,016,670 | 1,903 |
| Average total loans | $302,965,670 | 1,588 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 4,012 |
| Cost of funding earning assets | 0.9223% | 534 |
| Net interest margin | 2.9487% | 4,959 |
| Noninterest income to average assets | 0.2009% | 4,820 |
| Noninterest expense to average assets | 2.7863% | 2,749 |
| Loan and lease loss provision to assets | -0.2801% | 5,564 |
| Net operating income to assets | 0.4053% | 4,917 |
| Return on assets (ROA) | 0.4053% | 4,918 |
| Pretax return on assets | 0.5247% | 4,839 |
| Return on Equity (ROE) | 3.6334% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,747 |
| Net charge-offs to loans | -0.0175% | 4,489 |
| Credit loss provision to net charge-offs | 1,876.9231% | 203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9318% | 367 |
| Assets per employee ($millions) | 5.2644% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,397 |
| Loan loss allowance to noncurrent loans | 473.3931% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6542% | 2,358 |
| Noncurrent loans to loans | 0.2319% | 3,940 |
| Net loans and leases to total assets | 84.6784% | 368 |
| Net loans and leases to deposits | 101.3474% | 623 |
| Net loans and leases to core deposits | 112.3865% | 871 |
| Total domestic deposits to total assets | 83.5526% | 3,481 |
| Equity capital to assets | 11.5867% | 2,068 |
| Core capital (leverage) ratio | 11.4744% | 2,030 |
| Tier 1 risk-based capital ratio | 12.4779% | 4,252 |
| Total risk-based capital ratio | 13.4998% | 4,301 |
| Memoranda: | ||
| Average total assets | $348,420,000 | 1,959 |
| Average earning assets | $334,387,500 | 1,905 |
| Average equity | $38,861,500 | 1,919 |
| Average total loans | $297,822,500 | 1,614 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8649% | 158 |
| Cost of funding earning assets | 0.8973% | 375 |
| Net interest margin | 4.9676% | 244 |
| Noninterest income to average assets | 0.2913% | 4,379 |
| Noninterest expense to average assets | 3.2567% | 1,476 |
| Loan and lease loss provision to assets | 0.4137% | 349 |
| Net operating income to assets | 1.0345% | 2,108 |
| Return on assets (ROA) | 1.0345% | 2,138 |
| Pretax return on assets | 1.4215% | 1,922 |
| Return on Equity (ROE) | 10.7858% | 1,557 |
| Retained earnings to average equity (ytd only) | 10.7858% | 265 |
| Net charge-offs to loans | 0.0372% | 3,048 |
| Credit loss provision to net charge-offs | 1,310.3774% | 295 |
| Earnings coverage of net charge-offs (x) | 58.1226% | 975 |
| Efficiency ratio | 63.9581% | 3,613 |
| Assets per employee ($millions) | 5.5277% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,323 |
| Loan loss allowance to noncurrent loans | 702.0661% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 2,326 |
| Noncurrent loans to loans | 0.1576% | 4,299 |
| Net loans and leases to total assets | 84.5477% | 392 |
| Net loans and leases to deposits | 98.7774% | 842 |
| Net loans and leases to core deposits | 107.8534% | 1,142 |
| Total domestic deposits to total assets | 85.5942% | 2,617 |
| Equity capital to assets | 10.7476% | 2,895 |
| Core capital (leverage) ratio | 10.4902% | 2,850 |
| Tier 1 risk-based capital ratio | 11.8020% | 4,660 |
| Total risk-based capital ratio | 12.8497% | 4,678 |
| Memoranda: | ||
| Average total assets | $335,711,800 | 1,980 |
| Average earning assets | $324,421,600 | 1,916 |
| Average equity | $32,199,800 | 2,210 |
| Average total loans | $285,291,800 | 1,629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4247% | 77 |
| Cost of funding earning assets | 0.8712% | 411 |
| Net interest margin | 5.5534% | 97 |
| Noninterest income to average assets | 0.3173% | 4,271 |
| Noninterest expense to average assets | 2.6948% | 3,085 |
| Loan and lease loss provision to assets | 0.5615% | 197 |
| Net operating income to assets | 1.7169% | 562 |
| Return on assets (ROA) | 1.7169% | 574 |
| Pretax return on assets | 2.4336% | 237 |
| Return on Equity (ROE) | 18.5076% | 300 |
| Retained earnings to average equity (ytd only) | 18.5076% | 64 |
| Net charge-offs to loans | 0.0519% | 2,401 |
| Credit loss provision to net charge-offs | 1,274.3119% | 287 |
| Earnings coverage of net charge-offs (x) | 67.9723% | 913 |
| Efficiency ratio | 47.3606% | 5,372 |
| Assets per employee ($millions) | 5.6623% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,469 |
| Loan loss allowance to noncurrent loans | 402.7284% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 2,302 |
| Noncurrent loans to loans | 0.2738% | 3,971 |
| Net loans and leases to total assets | 81.4925% | 771 |
| Net loans and leases to deposits | 97.4354% | 972 |
| Net loans and leases to core deposits | 105.0901% | 1,325 |
| Total domestic deposits to total assets | 83.6375% | 3,247 |
| Equity capital to assets | 10.0719% | 3,831 |
| Core capital (leverage) ratio | 10.5618% | 2,919 |
| Tier 1 risk-based capital ratio | 11.5750% | 4,906 |
| Total risk-based capital ratio | 12.6283% | 4,917 |
| Memoranda: | ||
| Average total assets | $329,814,750 | 2,023 |
| Average earning assets | $319,075,250 | 1,955 |
| Average equity | $30,595,750 | 2,332 |
| Average total loans | $279,820,250 | 1,667 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0057% | 60 |
| Cost of funding earning assets | 0.8338% | 436 |
| Net interest margin | 6.1719% | 64 |
| Noninterest income to average assets | 0.3484% | 4,062 |
| Noninterest expense to average assets | 2.7349% | 2,968 |
| Loan and lease loss provision to assets | 0.8008% | 128 |
| Net operating income to assets | 1.7615% | 487 |
| Return on assets (ROA) | 1.7615% | 497 |
| Pretax return on assets | 2.7920% | 142 |
| Return on Equity (ROE) | 19.6547% | 232 |
| Retained earnings to average equity (ytd only) | 19.6547% | 64 |
| Net charge-offs to loans | 0.0850% | 1,760 |
| Credit loss provision to net charge-offs | 1,097.3913% | 365 |
| Earnings coverage of net charge-offs (x) | 49.2348% | 1,088 |
| Efficiency ratio | 43.2210% | 5,543 |
| Assets per employee ($millions) | 5.3677% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,563 |
| Loan loss allowance to noncurrent loans | 130.8464% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 2,392 |
| Noncurrent loans to loans | 0.8439% | 2,296 |
| Net loans and leases to total assets | 85.0435% | 342 |
| Net loans and leases to deposits | 101.1719% | 663 |
| Net loans and leases to core deposits | 109.1040% | 1,044 |
| Total domestic deposits to total assets | 84.0585% | 3,173 |
| Equity capital to assets | 9.0790% | 4,825 |
| Core capital (leverage) ratio | 9.3714% | 4,264 |
| Tier 1 risk-based capital ratio | 9.9882% | 5,630 |
| Total risk-based capital ratio | 11.0415% | 5,641 |
| Memoranda: | ||
| Average total assets | $315,181,670 | 2,104 |
| Average earning assets | $305,349,670 | 2,025 |
| Average equity | $28,247,670 | 2,493 |
| Average total loans | $270,445,670 | 1,717 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6044% | 75 |
| Cost of funding earning assets | 0.7881% | 530 |
| Net interest margin | 5.8162% | 87 |
| Noninterest income to average assets | 0.4399% | 3,376 |
| Noninterest expense to average assets | 2.7933% | 2,817 |
| Loan and lease loss provision to assets | 0.7322% | 140 |
| Net operating income to assets | 1.6066% | 669 |
| Return on assets (ROA) | 1.6066% | 686 |
| Pretax return on assets | 2.5435% | 202 |
| Return on Equity (ROE) | 18.0603% | 337 |
| Retained earnings to average equity (ytd only) | 18.0603% | 139 |
| Net charge-offs to loans | 0.0326% | 2,122 |
| Credit loss provision to net charge-offs | 2,623.8095% | 128 |
| Earnings coverage of net charge-offs (x) | 117.3810% | 465 |
| Efficiency ratio | 46.0258% | 5,527 |
| Assets per employee ($millions) | 5.1907% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 4,425 |
| Loan loss allowance to noncurrent loans | 106.8255% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 2,186 |
| Noncurrent loans to loans | 0.9120% | 2,211 |
| Net loans and leases to total assets | 84.9047% | 296 |
| Net loans and leases to deposits | 101.5242% | 517 |
| Net loans and leases to core deposits | 108.9410% | 925 |
| Total domestic deposits to total assets | 83.6300% | 3,608 |
| Equity capital to assets | 8.8152% | 4,986 |
| Core capital (leverage) ratio | 9.2979% | 4,345 |
| Tier 1 risk-based capital ratio | 9.9478% | 5,708 |
| Total risk-based capital ratio | 10.9065% | 5,741 |
| Memoranda: | ||
| Average total assets | $301,007,500 | 2,204 |
| Average earning assets | $291,322,500 | 2,130 |
| Average equity | $26,777,000 | 2,591 |
| Average total loans | $257,962,500 | 1,785 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0777% | 113 |
| Cost of funding earning assets | 0.6710% | 947 |
| Net interest margin | 5.4067% | 126 |
| Noninterest income to average assets | 0.3600% | 4,163 |
| Noninterest expense to average assets | 3.1277% | 1,959 |
| Loan and lease loss provision to assets | 0.3546% | 475 |
| Net operating income to assets | 1.3459% | 1,101 |
| Return on assets (ROA) | 1.3443% | 1,166 |
| Pretax return on assets | 2.0815% | 416 |
| Return on Equity (ROE) | 13.7942% | 808 |
| Retained earnings to average equity (ytd only) | 13.7942% | 138 |
| Net charge-offs to loans | 0.2049% | 1,358 |
| Credit loss provision to net charge-offs | 203.0516% | 1,396 |
| Earnings coverage of net charge-offs (x) | 13.9624% | 2,328 |
| Efficiency ratio | 56.1906% | 5,050 |
| Assets per employee ($millions) | 4.6784% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,913 |
| Loan loss allowance to noncurrent loans | 254.8193% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2908% | 4,112 |
| Noncurrent loans to loans | 0.3395% | 3,919 |
| Net loans and leases to total assets | 84.9138% | 308 |
| Net loans and leases to deposits | 102.4543% | 504 |
| Net loans and leases to core deposits | 109.8705% | 910 |
| Total domestic deposits to total assets | 82.8797% | 3,809 |
| Equity capital to assets | 8.9852% | 4,837 |
| Core capital (leverage) ratio | 9.4526% | 4,148 |
| Tier 1 risk-based capital ratio | 10.2117% | 5,680 |
| Total risk-based capital ratio | 11.0720% | 5,750 |
| Memoranda: | ||
| Average total assets | $243,916,200 | 2,556 |
| Average earning assets | $234,874,400 | 2,481 |
| Average equity | $23,770,800 | 2,818 |
| Average total loans | $207,877,200 | 2,058 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 132 |
| Cost of funding earning assets | 0.6660% | 970 |
| Net interest margin | 5.2659% | 149 |
| Noninterest income to average assets | 0.3893% | 3,997 |
| Noninterest expense to average assets | 3.1775% | 1,835 |
| Loan and lease loss provision to assets | 0.2341% | 837 |
| Net operating income to assets | 1.3307% | 1,212 |
| Return on assets (ROA) | 1.3284% | 1,301 |
| Pretax return on assets | 2.0386% | 525 |
| Return on Equity (ROE) | 13.3141% | 966 |
| Retained earnings to average equity (ytd only) | 13.3141% | 205 |
| Net charge-offs to loans | -0.0201% | 5,007 |
| Credit loss provision to net charge-offs | -1,366.6667% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2644% | 4,775 |
| Assets per employee ($millions) | 4.4655% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 4,704 |
| Loan loss allowance to noncurrent loans | 171.3360% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 3,554 |
| Noncurrent loans to loans | 0.5490% | 3,352 |
| Net loans and leases to total assets | 84.5799% | 362 |
| Net loans and leases to deposits | 100.8609% | 649 |
| Net loans and leases to core deposits | 109.4870% | 951 |
| Total domestic deposits to total assets | 83.8579% | 3,256 |
| Equity capital to assets | 9.3712% | 4,791 |
| Core capital (leverage) ratio | 9.9730% | 3,608 |
| Tier 1 risk-based capital ratio | 10.6728% | 5,537 |
| Total risk-based capital ratio | 11.6069% | 5,599 |
| Memoranda: | ||
| Average total assets | $233,550,250 | 2,641 |
| Average earning assets | $224,607,250 | 2,563 |
| Average equity | $23,303,000 | 2,884 |
| Average total loans | $198,736,000 | 2,135 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7778% | 170 |
| Cost of funding earning assets | 0.6663% | 956 |
| Net interest margin | 5.1115% | 206 |
| Noninterest income to average assets | 0.4231% | 3,712 |
| Noninterest expense to average assets | 3.2239% | 1,752 |
| Loan and lease loss provision to assets | 0.1789% | 1,223 |
| Net operating income to assets | 1.2228% | 1,525 |
| Return on assets (ROA) | 1.2228% | 1,621 |
| Pretax return on assets | 1.9268% | 664 |
| Return on Equity (ROE) | 11.9699% | 1,337 |
| Retained earnings to average equity (ytd only) | 11.9699% | 330 |
| Net charge-offs to loans | -0.0179% | 4,902 |
| Credit loss provision to net charge-offs | -1,176.4706% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4901% | 4,580 |
| Assets per employee ($millions) | 4.2954% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,788 |
| Loan loss allowance to noncurrent loans | 192.7699% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,840 |
| Noncurrent loans to loans | 0.4896% | 3,616 |
| Net loans and leases to total assets | 84.0924% | 416 |
| Net loans and leases to deposits | 96.5316% | 1,023 |
| Net loans and leases to core deposits | 105.5455% | 1,215 |
| Total domestic deposits to total assets | 87.1138% | 1,855 |
| Equity capital to assets | 10.0451% | 4,168 |
| Core capital (leverage) ratio | 10.3318% | 3,156 |
| Tier 1 risk-based capital ratio | 11.5848% | 5,098 |
| Total risk-based capital ratio | 12.5309% | 5,189 |
| Memoranda: | ||
| Average total assets | $223,578,000 | 2,746 |
| Average earning assets | $214,613,000 | 2,668 |
| Average equity | $22,840,670 | 2,934 |
| Average total loans | $189,996,000 | 2,212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8849% | 140 |
| Cost of funding earning assets | 0.6705% | 946 |
| Net interest margin | 5.2144% | 173 |
| Noninterest income to average assets | 0.4787% | 3,272 |
| Noninterest expense to average assets | 3.2848% | 1,642 |
| Loan and lease loss provision to assets | 0.2209% | 863 |
| Net operating income to assets | 1.2502% | 1,404 |
| Return on assets (ROA) | 1.2502% | 1,504 |
| Pretax return on assets | 1.9701% | 605 |
| Return on Equity (ROE) | 12.1274% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.1274% | 491 |
| Net charge-offs to loans | -0.0108% | 4,567 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9866% | 4,748 |
| Assets per employee ($millions) | 4.9164% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,872 |
| Loan loss allowance to noncurrent loans | 180,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.2021% | 4,750 |
| Noncurrent loans to loans | 0.0005% | 5,540 |
| Net loans and leases to total assets | 83.3814% | 420 |
| Net loans and leases to deposits | 95.1990% | 1,023 |
| Net loans and leases to core deposits | 103.5666% | 1,216 |
| Total domestic deposits to total assets | 87.5864% | 1,871 |
| Equity capital to assets | 10.0546% | 4,007 |
| Core capital (leverage) ratio | 10.4370% | 3,028 |
| Tier 1 risk-based capital ratio | 11.5141% | 5,229 |
| Total risk-based capital ratio | 12.4487% | 5,304 |
| Memoranda: | ||
| Average total assets | $217,244,500 | 2,807 |
| Average earning assets | $208,194,000 | 2,739 |
| Average equity | $22,395,500 | 2,980 |
| Average total loans | $184,715,500 | 2,266 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 201 |
| Cost of funding earning assets | 0.5655% | 1,628 |
| Net interest margin | 5.1226% | 204 |
| Noninterest income to average assets | 0.4928% | 3,374 |
| Noninterest expense to average assets | 3.3308% | 1,647 |
| Loan and lease loss provision to assets | 0.0880% | 2,539 |
| Net operating income to assets | 1.2409% | 1,416 |
| Return on assets (ROA) | 1.2409% | 1,470 |
| Pretax return on assets | 1.9582% | 588 |
| Return on Equity (ROE) | 11.3652% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.3652% | 302 |
| Net charge-offs to loans | 0.0285% | 3,652 |
| Credit loss provision to net charge-offs | 370.4545% | 806 |
| Earnings coverage of net charge-offs (x) | 86.1591% | 654 |
| Efficiency ratio | 61.9454% | 4,613 |
| Assets per employee ($millions) | 4.7348% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,932 |
| Loan loss allowance to noncurrent loans | 83,800.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,726 |
| Noncurrent loans to loans | 0.0011% | 5,577 |
| Net loans and leases to total assets | 85.1435% | 298 |
| Net loans and leases to deposits | 100.9487% | 613 |
| Net loans and leases to core deposits | 109.3452% | 897 |
| Total domestic deposits to total assets | 84.3433% | 3,353 |
| Equity capital to assets | 10.5850% | 3,267 |
| Core capital (leverage) ratio | 11.2667% | 2,144 |
| Tier 1 risk-based capital ratio | 11.9754% | 4,962 |
| Total risk-based capital ratio | 12.9095% | 5,068 |
| Memoranda: | ||
| Average total assets | $185,270,000 | 3,114 |
| Average earning assets | $176,649,600 | 3,035 |
| Average equity | $20,228,400 | 3,152 |
| Average total loans | $154,405,200 | 2,538 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6715% | 207 |
| Cost of funding earning assets | 0.5615% | 1,700 |
| Net interest margin | 5.1099% | 202 |
| Noninterest income to average assets | 0.4405% | 3,788 |
| Noninterest expense to average assets | 3.2689% | 1,782 |
| Loan and lease loss provision to assets | 0.0669% | 2,842 |
| Net operating income to assets | 1.2493% | 1,487 |
| Return on assets (ROA) | 1.2493% | 1,542 |
| Pretax return on assets | 1.9713% | 634 |
| Return on Equity (ROE) | 11.3421% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.3421% | 434 |
| Net charge-offs to loans | 0.0270% | 3,402 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 91.4645% | 676 |
| Efficiency ratio | 61.5955% | 4,629 |
| Assets per employee ($millions) | 4.5430% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 4,765 |
| Loan loss allowance to noncurrent loans | 353.0568% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 4,823 |
| Noncurrent loans to loans | 0.2824% | 4,569 |
| Net loans and leases to total assets | 82.1852% | 559 |
| Net loans and leases to deposits | 95.8724% | 1,017 |
| Net loans and leases to core deposits | 100.3550% | 1,480 |
| Total domestic deposits to total assets | 85.7235% | 2,680 |
| Equity capital to assets | 10.9752% | 3,056 |
| Core capital (leverage) ratio | 11.5151% | 2,021 |
| Tier 1 risk-based capital ratio | 12.8870% | 4,495 |
| Total risk-based capital ratio | 13.8857% | 4,567 |
| Memoranda: | ||
| Average total assets | $179,504,250 | 3,197 |
| Average earning assets | $170,956,500 | 3,131 |
| Average equity | $19,772,500 | 3,227 |
| Average total loans | $148,242,000 | 2,627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5161% | 259 |
| Cost of funding earning assets | 0.5673% | 1,663 |
| Net interest margin | 4.9488% | 278 |
| Noninterest income to average assets | 0.4603% | 3,629 |
| Noninterest expense to average assets | 3.3509% | 1,573 |
| Loan and lease loss provision to assets | 0.0321% | 3,474 |
| Net operating income to assets | 1.1319% | 1,833 |
| Return on assets (ROA) | 1.1319% | 1,913 |
| Pretax return on assets | 1.7839% | 919 |
| Return on Equity (ROE) | 10.2619% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2619% | 623 |
| Net charge-offs to loans | 0.0585% | 2,555 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 1,176 |
| Efficiency ratio | 64.8523% | 4,216 |
| Assets per employee ($millions) | 4.2571% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.1543% | 455 |
| Net loans and leases to deposits | 96.8117% | 884 |
| Net loans and leases to core deposits | 100.6613% | 1,430 |
| Total domestic deposits to total assets | 85.8928% | 2,746 |
| Equity capital to assets | 10.7836% | 3,131 |
| Core capital (leverage) ratio | 11.2489% | 2,207 |
| Tier 1 risk-based capital ratio | 12.4317% | 4,858 |
| Total risk-based capital ratio | 13.4313% | 4,915 |
| Memoranda: | ||
| Average total assets | $174,222,670 | 3,292 |
| Average earning assets | $165,697,330 | 3,227 |
| Average equity | $19,216,670 | 3,297 |
| Average total loans | $143,601,000 | 2,705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 383 |
| Cost of funding earning assets | 0.5611% | 1,743 |
| Net interest margin | 4.6823% | 422 |
| Noninterest income to average assets | 0.4593% | 3,576 |
| Noninterest expense to average assets | 3.3850% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9658% | 2,420 |
| Return on assets (ROA) | 0.9658% | 2,552 |
| Pretax return on assets | 1.5170% | 1,507 |
| Return on Equity (ROE) | 8.6521% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.6521% | 1,323 |
| Net charge-offs to loans | 0.1646% | 1,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.2982% | 1,872 |
| Efficiency ratio | 69.0533% | 3,646 |
| Assets per employee ($millions) | 3.9575% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 4,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 5,580 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.6992% | 399 |
| Net loans and leases to deposits | 93.6757% | 1,019 |
| Net loans and leases to core deposits | 97.5963% | 1,512 |
| Total domestic deposits to total assets | 88.2824% | 1,671 |
| Equity capital to assets | 11.2616% | 2,690 |
| Core capital (leverage) ratio | 11.6826% | 1,865 |
| Tier 1 risk-based capital ratio | 13.0026% | 4,603 |
| Total risk-based capital ratio | 14.0503% | 4,643 |
| Memoranda: | ||
| Average total assets | $169,806,000 | 3,369 |
| Average earning assets | $161,118,500 | 3,307 |
| Average equity | $18,955,000 | 3,346 |
| Average total loans | $138,520,500 | 2,771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8746% | 182 |
| Cost of funding earning assets | 0.5873% | 1,882 |
| Net interest margin | 5.2873% | 185 |
| Noninterest income to average assets | 0.5595% | 3,124 |
| Noninterest expense to average assets | 3.6734% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1864% | 1,629 |
| Return on assets (ROA) | 1.1864% | 1,698 |
| Pretax return on assets | 1.8780% | 671 |
| Return on Equity (ROE) | 10.5666% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.5666% | 433 |
| Net charge-offs to loans | -0.0314% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1709% | 4,219 |
| Assets per employee ($millions) | 3.9405% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 4,252 |
| Loan loss allowance to noncurrent loans | 832.6203% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 5,222 |
| Noncurrent loans to loans | 0.1387% | 5,340 |
| Net loans and leases to total assets | 78.6433% | 928 |
| Net loans and leases to deposits | 88.7455% | 1,645 |
| Net loans and leases to core deposits | 92.4515% | 2,040 |
| Total domestic deposits to total assets | 88.6167% | 1,462 |
| Equity capital to assets | 11.0634% | 2,838 |
| Core capital (leverage) ratio | 11.3399% | 2,097 |
| Tier 1 risk-based capital ratio | 13.3939% | 4,468 |
| Total risk-based capital ratio | 14.5375% | 4,471 |
| Memoranda: | ||
| Average total assets | $157,454,800 | 3,530 |
| Average earning assets | $148,657,000 | 3,466 |
| Average equity | $17,678,400 | 3,433 |
| Average total loans | $127,246,000 | 2,919 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 278 |
| Cost of funding earning assets | 0.5889% | 1,937 |
| Net interest margin | 4.9992% | 299 |
| Noninterest income to average assets | 0.4679% | 3,749 |
| Noninterest expense to average assets | 3.6004% | 1,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0005% | 2,449 |
| Return on assets (ROA) | 1.0005% | 2,513 |
| Pretax return on assets | 1.5866% | 1,365 |
| Return on Equity (ROE) | 8.8751% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.8751% | 1,040 |
| Net charge-offs to loans | -0.0383% | 5,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4125% | 3,610 |
| Assets per employee ($millions) | 3.8591% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,347 |
| Loan loss allowance to noncurrent loans | 155,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,794 |
| Noncurrent loans to loans | 0.0008% | 6,058 |
| Net loans and leases to total assets | 78.5080% | 898 |
| Net loans and leases to deposits | 88.2905% | 1,633 |
| Net loans and leases to core deposits | 92.0360% | 2,034 |
| Total domestic deposits to total assets | 88.9202% | 1,285 |
| Equity capital to assets | 10.8653% | 3,108 |
| Core capital (leverage) ratio | 11.6746% | 1,922 |
| Tier 1 risk-based capital ratio | 13.0656% | 4,824 |
| Total risk-based capital ratio | 14.2219% | 4,800 |
| Memoranda: | ||
| Average total assets | $154,458,250 | 3,598 |
| Average earning assets | $145,805,500 | 3,544 |
| Average equity | $17,411,500 | 3,482 |
| Average total loans | $125,354,750 | 2,971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 309 |
| Cost of funding earning assets | 0.6000% | 1,898 |
| Net interest margin | 4.8978% | 346 |
| Noninterest income to average assets | 0.5245% | 3,309 |
| Noninterest expense to average assets | 3.6460% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9308% | 2,650 |
| Return on assets (ROA) | 0.9308% | 2,751 |
| Pretax return on assets | 1.4844% | 1,584 |
| Return on Equity (ROE) | 8.1486% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.1486% | 1,273 |
| Net charge-offs to loans | -0.0471% | 5,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0663% | 3,488 |
| Assets per employee ($millions) | 3.6016% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,199 |
| Loan loss allowance to noncurrent loans | 154,600.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 3,665 |
| Noncurrent loans to loans | 0.0008% | 6,116 |
| Net loans and leases to total assets | 79.2348% | 772 |
| Net loans and leases to deposits | 89.5550% | 1,412 |
| Net loans and leases to core deposits | 94.0062% | 1,777 |
| Total domestic deposits to total assets | 88.4761% | 1,652 |
| Equity capital to assets | 11.3476% | 2,555 |
| Core capital (leverage) ratio | 11.5433% | 1,965 |
| Tier 1 risk-based capital ratio | 13.2381% | 4,763 |
| Total risk-based capital ratio | 14.4350% | 4,727 |
| Memoranda: | ||
| Average total assets | $150,630,670 | 3,669 |
| Average earning assets | $141,656,000 | 3,624 |
| Average equity | $17,205,330 | 3,518 |
| Average total loans | $123,196,330 | 3,005 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 271 |
| Cost of funding earning assets | 0.5872% | 2,099 |
| Net interest margin | 4.9579% | 295 |
| Noninterest income to average assets | 0.4040% | 4,154 |
| Noninterest expense to average assets | 3.6792% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8700% | 2,793 |
| Return on assets (ROA) | 0.8700% | 2,861 |
| Pretax return on assets | 1.3871% | 1,799 |
| Return on Equity (ROE) | 7.5906% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.5906% | 1,774 |
| Net charge-offs to loans | -0.0783% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6209% | 3,373 |
| Assets per employee ($millions) | 3.6857% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 3,201 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.1838% | 529 |
| Net loans and leases to deposits | 90.6187% | 1,079 |
| Net loans and leases to core deposits | 93.8705% | 1,562 |
| Total domestic deposits to total assets | 88.4849% | 1,945 |
| Equity capital to assets | 11.3722% | 2,357 |
| Core capital (leverage) ratio | 11.6511% | 1,863 |
| Tier 1 risk-based capital ratio | 12.7804% | 5,136 |
| Total risk-based capital ratio | 13.9575% | 5,118 |
| Memoranda: | ||
| Average total assets | $148,511,000 | 3,722 |
| Average earning assets | $139,656,500 | 3,672 |
| Average equity | $17,021,000 | 3,549 |
| Average total loans | $122,666,000 | 3,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 316 |
| Cost of funding earning assets | 0.5823% | 2,815 |
| Net interest margin | 5.0041% | 309 |
| Noninterest income to average assets | 0.5866% | 3,172 |
| Noninterest expense to average assets | 3.7977% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9308% | 2,647 |
| Return on assets (ROA) | 0.9308% | 2,723 |
| Pretax return on assets | 1.4844% | 1,497 |
| Return on Equity (ROE) | 8.0483% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.0483% | 1,041 |
| Net charge-offs to loans | 0.0037% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 517.5000% | 72 |
| Efficiency ratio | 71.8979% | 3,498 |
| Assets per employee ($millions) | 3.3161% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 4,453 |
| Loan loss allowance to noncurrent loans | 30,340.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 3,243 |
| Noncurrent loans to loans | 0.0041% | 6,300 |
| Net loans and leases to total assets | 83.0009% | 327 |
| Net loans and leases to deposits | 93.9680% | 881 |
| Net loans and leases to core deposits | 98.4634% | 1,274 |
| Total domestic deposits to total assets | 88.3289% | 1,989 |
| Equity capital to assets | 11.5532% | 2,126 |
| Core capital (leverage) ratio | 11.3826% | 2,047 |
| Tier 1 risk-based capital ratio | 12.7551% | 5,140 |
| Total risk-based capital ratio | 13.9350% | 5,129 |
| Memoranda: | ||
| Average total assets | $139,453,000 | 3,881 |
| Average earning assets | $130,853,200 | 3,827 |
| Average equity | $16,127,600 | 3,678 |
| Average total loans | $108,617,800 | 3,271 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4263% | 419 |
| Cost of funding earning assets | 0.5878% | 2,923 |
| Net interest margin | 4.8386% | 402 |
| Noninterest income to average assets | 0.4914% | 3,872 |
| Noninterest expense to average assets | 3.7744% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7825% | 3,443 |
| Return on assets (ROA) | 0.7825% | 3,569 |
| Pretax return on assets | 1.2478% | 2,520 |
| Return on Equity (ROE) | 6.7646% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.7646% | 1,991 |
| Net charge-offs to loans | -0.1446% | 6,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1541% | 2,881 |
| Assets per employee ($millions) | 3.4001% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,853 |
| Loan loss allowance to noncurrent loans | 178.4934% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 2,335 |
| Noncurrent loans to loans | 0.7896% | 4,266 |
| Net loans and leases to total assets | 80.0903% | 536 |
| Net loans and leases to deposits | 90.6593% | 1,092 |
| Net loans and leases to core deposits | 95.2997% | 1,445 |
| Total domestic deposits to total assets | 88.3421% | 1,921 |
| Equity capital to assets | 11.4632% | 2,328 |
| Core capital (leverage) ratio | 11.4942% | 2,050 |
| Tier 1 risk-based capital ratio | 12.6815% | 5,339 |
| Total risk-based capital ratio | 13.9325% | 5,279 |
| Memoranda: | ||
| Average total assets | $137,839,250 | 3,955 |
| Average earning assets | $129,070,750 | 3,906 |
| Average equity | $15,945,250 | 3,750 |
| Average total loans | $105,116,750 | 3,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 501 |
| Cost of funding earning assets | 0.6009% | 2,928 |
| Net interest margin | 4.7284% | 481 |
| Noninterest income to average assets | 0.4376% | 4,265 |
| Noninterest expense to average assets | 3.7846% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6697% | 3,965 |
| Return on assets (ROA) | 0.6697% | 4,123 |
| Pretax return on assets | 1.0677% | 3,229 |
| Return on Equity (ROE) | 5.7708% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.7708% | 2,573 |
| Net charge-offs to loans | 0.4276% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3502% | 3,419 |
| Efficiency ratio | 77.9964% | 2,454 |
| Assets per employee ($millions) | 3.1997% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,917 |
| Loan loss allowance to noncurrent loans | 142.5137% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 2.4850% | 1,707 |
| Noncurrent loans to loans | 0.8512% | 4,220 |
| Net loans and leases to total assets | 77.1850% | 844 |
| Net loans and leases to deposits | 87.5128% | 1,404 |
| Net loans and leases to core deposits | 91.7721% | 1,729 |
| Total domestic deposits to total assets | 88.1986% | 2,109 |
| Equity capital to assets | 11.6394% | 2,178 |
| Core capital (leverage) ratio | 11.2872% | 2,098 |
| Tier 1 risk-based capital ratio | 13.4398% | 4,814 |
| Total risk-based capital ratio | 14.6138% | 4,816 |
| Memoranda: | ||
| Average total assets | $136,184,000 | 4,020 |
| Average earning assets | $127,147,000 | 3,960 |
| Average equity | $15,803,670 | 3,801 |
| Average total loans | $101,486,330 | 3,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 627 |
| Cost of funding earning assets | 0.6205% | 2,921 |
| Net interest margin | 4.5588% | 609 |
| Noninterest income to average assets | 0.5550% | 3,401 |
| Noninterest expense to average assets | 3.8647% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5905% | 4,265 |
| Return on assets (ROA) | 0.5905% | 4,415 |
| Pretax return on assets | 0.9418% | 3,606 |
| Return on Equity (ROE) | 5.0960% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.0960% | 3,177 |
| Net charge-offs to loans | 0.4509% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.8739% | 2,913 |
| Efficiency ratio | 80.4054% | 2,269 |
| Assets per employee ($millions) | 3.1948% | 5,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,139 |
| Loan loss allowance to noncurrent loans | 79.9773% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.5510% | 1,797 |
| Noncurrent loans to loans | 1.7744% | 2,902 |
| Net loans and leases to total assets | 69.6785% | 1,717 |
| Net loans and leases to deposits | 78.6148% | 2,263 |
| Net loans and leases to core deposits | 82.8332% | 2,472 |
| Total domestic deposits to total assets | 88.6327% | 1,910 |
| Equity capital to assets | 11.2392% | 2,690 |
| Core capital (leverage) ratio | 11.1000% | 2,178 |
| Tier 1 risk-based capital ratio | 14.3256% | 4,278 |
| Total risk-based capital ratio | 15.5776% | 4,245 |
| Memoranda: | ||
| Average total assets | $135,483,500 | 4,079 |
| Average earning assets | $126,350,000 | 4,012 |
| Average equity | $15,698,500 | 3,873 |
| Average total loans | $98,480,000 | 3,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 646 |
| Cost of funding earning assets | 0.7259% | 3,284 |
| Net interest margin | 4.7561% | 587 |
| Noninterest income to average assets | 0.5106% | 3,827 |
| Noninterest expense to average assets | 4.1263% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4527% | 4,879 |
| Return on assets (ROA) | 0.4527% | 5,117 |
| Pretax return on assets | 0.7225% | 4,585 |
| Return on Equity (ROE) | 3.6726% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.6726% | 3,639 |
| Net charge-offs to loans | 0.3997% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.5339% | 4,150 |
| Efficiency ratio | 85.0997% | 1,506 |
| Assets per employee ($millions) | 2.8977% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,483 |
| Loan loss allowance to noncurrent loans | 68.0537% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.5515% | 1,267 |
| Noncurrent loans to loans | 2.2899% | 2,362 |
| Net loans and leases to total assets | 73.6842% | 1,238 |
| Net loans and leases to deposits | 83.8010% | 1,776 |
| Net loans and leases to core deposits | 88.6971% | 2,007 |
| Total domestic deposits to total assets | 87.9276% | 2,283 |
| Equity capital to assets | 11.9619% | 2,066 |
| Core capital (leverage) ratio | 11.3725% | 1,961 |
| Tier 1 risk-based capital ratio | 14.0148% | 4,375 |
| Total risk-based capital ratio | 15.2674% | 4,334 |
| Memoranda: | ||
| Average total assets | $124,155,800 | 4,269 |
| Average earning assets | $113,244,400 | 4,269 |
| Average equity | $15,302,400 | 3,894 |
| Average total loans | $88,571,600 | 3,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5516% | 613 |
| Cost of funding earning assets | 0.7532% | 3,325 |
| Net interest margin | 4.7984% | 565 |
| Noninterest income to average assets | 0.5253% | 3,770 |
| Noninterest expense to average assets | 4.1741% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4448% | 5,057 |
| Return on assets (ROA) | 0.4448% | 5,301 |
| Pretax return on assets | 0.7091% | 4,830 |
| Return on Equity (ROE) | 3.5809% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.5809% | 4,356 |
| Net charge-offs to loans | 0.4789% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1032% | 4,217 |
| Efficiency ratio | 85.4788% | 1,433 |
| Assets per employee ($millions) | 3.0553% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7442% | 2,983 |
| Loan loss allowance to noncurrent loans | 136.6812% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 3.9200% | 1,241 |
| Noncurrent loans to loans | 1.2761% | 3,913 |
| Net loans and leases to total assets | 67.1069% | 2,440 |
| Net loans and leases to deposits | 76.3356% | 2,934 |
| Net loans and leases to core deposits | 81.3019% | 3,045 |
| Total domestic deposits to total assets | 87.9104% | 2,098 |
| Equity capital to assets | 11.7562% | 2,480 |
| Core capital (leverage) ratio | 11.3478% | 2,094 |
| Tier 1 risk-based capital ratio | 13.9649% | 4,556 |
| Total risk-based capital ratio | 15.2190% | 4,500 |
| Memoranda: | ||
| Average total assets | $122,595,500 | 4,335 |
| Average earning assets | $111,340,250 | 4,355 |
| Average equity | $15,228,500 | 3,947 |
| Average total loans | $86,313,750 | 3,880 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6758% | 509 |
| Cost of funding earning assets | 0.8055% | 3,142 |
| Net interest margin | 4.8702% | 496 |
| Noninterest income to average assets | 0.5198% | 3,790 |
| Noninterest expense to average assets | 4.2284% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4362% | 5,090 |
| Return on assets (ROA) | 0.4362% | 5,318 |
| Pretax return on assets | 0.6969% | 4,837 |
| Return on Equity (ROE) | 3.4441% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.4441% | 4,308 |
| Net charge-offs to loans | 0.7303% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.3408% | 4,333 |
| Efficiency ratio | 85.8500% | 1,449 |
| Assets per employee ($millions) | 2.9608% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,848 |
| Loan loss allowance to noncurrent loans | 121.6174% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 4.3939% | 1,130 |
| Noncurrent loans to loans | 1.4819% | 3,687 |
| Net loans and leases to total assets | 68.5286% | 2,196 |
| Net loans and leases to deposits | 78.3592% | 2,623 |
| Net loans and leases to core deposits | 83.6094% | 2,744 |
| Total domestic deposits to total assets | 87.4544% | 2,496 |
| Equity capital to assets | 12.3012% | 1,934 |
| Core capital (leverage) ratio | 11.4565% | 1,932 |
| Tier 1 risk-based capital ratio | 14.1946% | 4,310 |
| Total risk-based capital ratio | 15.4500% | 4,268 |
| Memoranda: | ||
| Average total assets | $119,668,330 | 4,428 |
| Average earning assets | $108,250,000 | 4,454 |
| Average equity | $15,156,330 | 3,958 |
| Average total loans | $85,175,670 | 3,940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 464 |
| Cost of funding earning assets | 0.8629% | 2,966 |
| Net interest margin | 4.8936% | 472 |
| Noninterest income to average assets | 0.4978% | 3,921 |
| Noninterest expense to average assets | 4.3605% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3409% | 5,508 |
| Return on assets (ROA) | 0.3409% | 5,686 |
| Pretax return on assets | 0.5455% | 5,302 |
| Return on Equity (ROE) | 2.6515% | 5,845 |
| Retained earnings to average equity (ytd only) | 2.6515% | 4,932 |
| Net charge-offs to loans | 0.4362% | 2,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.7391% | 3,468 |
| Efficiency ratio | 88.8812% | 1,190 |
| Assets per employee ($millions) | 2.9868% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 2,197 |
| Loan loss allowance to noncurrent loans | 98.2369% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 5.1307% | 999 |
| Noncurrent loans to loans | 2.0939% | 3,035 |
| Net loans and leases to total assets | 69.3255% | 1,882 |
| Net loans and leases to deposits | 79.2961% | 2,298 |
| Net loans and leases to core deposits | 84.8671% | 2,425 |
| Total domestic deposits to total assets | 87.4261% | 2,703 |
| Equity capital to assets | 12.3600% | 1,814 |
| Core capital (leverage) ratio | 11.6336% | 1,809 |
| Tier 1 risk-based capital ratio | 13.9728% | 4,489 |
| Total risk-based capital ratio | 15.2310% | 4,445 |
| Memoranda: | ||
| Average total assets | $117,325,500 | 4,507 |
| Average earning assets | $105,688,500 | 4,552 |
| Average equity | $15,086,000 | 3,974 |
| Average total loans | $84,372,500 | 3,997 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 998 |
| Cost of funding earning assets | 1.0857% | 2,761 |
| Net interest margin | 4.4898% | 1,164 |
| Noninterest income to average assets | 0.3787% | 4,799 |
| Noninterest expense to average assets | 4.2602% | 747 |
| Loan and lease loss provision to assets | -0.7253% | 7,341 |
| Net operating income to assets | 0.5172% | 4,353 |
| Return on assets (ROA) | 0.5172% | 4,561 |
| Pretax return on assets | 0.8253% | 3,887 |
| Return on Equity (ROE) | 3.8367% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.8367% | 3,482 |
| Net charge-offs to loans | -0.2741% | 7,234 |
| Credit loss provision to net charge-offs | 387.7451% | 603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7077% | 736 |
| Assets per employee ($millions) | 2.7364% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2847% | 1,645 |
| Loan loss allowance to noncurrent loans | 105.2779% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 6.2474% | 765 |
| Noncurrent loans to loans | 2.1702% | 2,984 |
| Net loans and leases to total assets | 71.4772% | 1,734 |
| Net loans and leases to deposits | 82.9619% | 2,072 |
| Net loans and leases to core deposits | 95.1032% | 1,576 |
| Total domestic deposits to total assets | 86.1566% | 3,225 |
| Equity capital to assets | 13.4021% | 1,320 |
| Core capital (leverage) ratio | 12.1857% | 1,500 |
| Tier 1 risk-based capital ratio | 14.5121% | 3,965 |
| Total risk-based capital ratio | 15.7725% | 3,933 |
| Memoranda: | ||
| Average total assets | $109,055,800 | 4,665 |
| Average earning assets | $96,708,000 | 4,725 |
| Average equity | $14,700,200 | 3,970 |
| Average total loans | $74,431,400 | 4,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 1,363 |
| Cost of funding earning assets | 1.1175% | 2,858 |
| Net interest margin | 4.3434% | 1,577 |
| Noninterest income to average assets | 0.3904% | 4,740 |
| Noninterest expense to average assets | 4.0687% | 928 |
| Loan and lease loss provision to assets | -0.8312% | 7,424 |
| Net operating income to assets | 0.6243% | 3,993 |
| Return on assets (ROA) | 0.6243% | 4,167 |
| Pretax return on assets | 0.9962% | 3,420 |
| Return on Equity (ROE) | 4.6249% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.6249% | 3,426 |
| Net charge-offs to loans | -0.4284% | 7,335 |
| Credit loss provision to net charge-offs | 289.6996% | 992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1024% | 813 |
| Assets per employee ($millions) | 2.7952% | 6,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6533% | 1,197 |
| Loan loss allowance to noncurrent loans | 115.1653% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 6.5936% | 772 |
| Noncurrent loans to loans | 2.3039% | 2,995 |
| Net loans and leases to total assets | 66.2871% | 2,829 |
| Net loans and leases to deposits | 77.3445% | 3,111 |
| Net loans and leases to core deposits | 88.7602% | 2,399 |
| Total domestic deposits to total assets | 85.7038% | 3,381 |
| Equity capital to assets | 13.3982% | 1,413 |
| Core capital (leverage) ratio | 12.4521% | 1,458 |
| Tier 1 risk-based capital ratio | 15.2429% | 3,524 |
| Total risk-based capital ratio | 16.5070% | 3,479 |
| Memoranda: | ||
| Average total assets | $108,272,000 | 4,710 |
| Average earning assets | $95,804,750 | 4,783 |
| Average equity | $14,616,250 | 3,998 |
| Average total loans | $72,522,750 | 4,437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 1,559 |
| Cost of funding earning assets | 1.1330% | 3,022 |
| Net interest margin | 4.2679% | 1,775 |
| Noninterest income to average assets | 0.4314% | 4,415 |
| Noninterest expense to average assets | 4.1067% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0598% | 6,092 |
| Return on assets (ROA) | 0.0598% | 6,177 |
| Pretax return on assets | 0.0952% | 6,110 |
| Return on Equity (ROE) | 0.4415% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.4415% | 5,668 |
| Net charge-offs to loans | -1.0404% | 7,441 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7333% | 799 |
| Assets per employee ($millions) | 2.7080% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7717% | 478 |
| Loan loss allowance to noncurrent loans | 94.8126% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 7.7687% | 608 |
| Noncurrent loans to loans | 3.9781% | 1,746 |
| Net loans and leases to total assets | 66.7279% | 2,875 |
| Net loans and leases to deposits | 77.9692% | 3,124 |
| Net loans and leases to core deposits | 89.1211% | 2,482 |
| Total domestic deposits to total assets | 85.5824% | 3,575 |
| Equity capital to assets | 13.3901% | 1,342 |
| Core capital (leverage) ratio | 11.7802% | 1,732 |
| Tier 1 risk-based capital ratio | 14.4169% | 3,852 |
| Total risk-based capital ratio | 15.6948% | 3,797 |
| Memoranda: | ||
| Average total assets | $107,094,000 | 4,777 |
| Average earning assets | $94,612,670 | 4,865 |
| Average equity | $14,495,000 | 4,011 |
| Average total loans | $71,319,330 | 4,526 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 1,617 |
| Cost of funding earning assets | 1.1749% | 2,983 |
| Net interest margin | 4.2099% | 1,868 |
| Noninterest income to average assets | 0.5071% | 3,827 |
| Noninterest expense to average assets | 4.0007% | 1,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1390% | 5,975 |
| Return on assets (ROA) | 0.1390% | 6,033 |
| Pretax return on assets | 0.2216% | 5,892 |
| Return on Equity (ROE) | 1.0214% | 6,125 |
| Retained earnings to average equity (ytd only) | 1.0214% | 5,419 |
| Net charge-offs to loans | -0.2650% | 7,317 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7509% | 995 |
| Assets per employee ($millions) | 2.7516% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5940% | 563 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 7.8843% | 611 |
| Noncurrent loans to loans | 4.4925% | 1,557 |
| Net loans and leases to total assets | 62.6899% | 3,722 |
| Net loans and leases to deposits | 73.3570% | 3,868 |
| Net loans and leases to core deposits | 84.8982% | 3,047 |
| Total domestic deposits to total assets | 85.4586% | 3,808 |
| Equity capital to assets | 13.5201% | 1,174 |
| Core capital (leverage) ratio | 11.8906% | 1,624 |
| Tier 1 risk-based capital ratio | 15.7208% | 3,042 |
| Total risk-based capital ratio | 16.9970% | 2,986 |
| Memoranda: | ||
| Average total assets | $106,481,500 | 4,823 |
| Average earning assets | $93,969,000 | 4,915 |
| Average equity | $14,490,500 | 3,995 |
| Average total loans | $69,423,000 | 4,637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 3,396 |
| Cost of funding earning assets | 1.3593% | 3,515 |
| Net interest margin | 3.8841% | 3,563 |
| Noninterest income to average assets | -1.1586% | 7,632 |
| Noninterest expense to average assets | 4.4964% | 653 |
| Loan and lease loss provision to assets | 0.8432% | 1,944 |
| Net operating income to assets | -1.9895% | 7,052 |
| Return on assets (ROA) | -1.9895% | 7,065 |
| Pretax return on assets | -3.1727% | 7,321 |
| Return on Equity (ROE) | -14.7002% | 6,910 |
| Retained earnings to average equity (ytd only) | -14.7002% | 6,872 |
| Net charge-offs to loans | 1.8810% | 1,096 |
| Credit loss provision to net charge-offs | 68.8666% | 5,896 |
| Earnings coverage of net charge-offs (x) | -1.9024% | 6,701 |
| Efficiency ratio | 207.4990% | 82 |
| Assets per employee ($millions) | 2.8554% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5649% | 569 |
| Loan loss allowance to noncurrent loans | 195.7075% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 6.8216% | 816 |
| Noncurrent loans to loans | 1.8215% | 3,789 |
| Net loans and leases to total assets | 63.0399% | 4,060 |
| Net loans and leases to deposits | 73.8469% | 4,218 |
| Net loans and leases to core deposits | 85.6571% | 3,372 |
| Total domestic deposits to total assets | 85.3657% | 3,685 |
| Equity capital to assets | 13.6982% | 1,126 |
| Core capital (leverage) ratio | 11.7432% | 1,705 |
| Tier 1 risk-based capital ratio | 16.1011% | 2,704 |
| Total risk-based capital ratio | 17.3780% | 2,644 |
| Memoranda: | ||
| Average total assets | $113,845,600 | 4,619 |
| Average earning assets | $97,473,200 | 4,789 |
| Average equity | $15,408,000 | 3,870 |
| Average total loans | $74,109,800 | 4,524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 3,641 |
| Cost of funding earning assets | 1.4081% | 3,536 |
| Net interest margin | 3.8310% | 3,839 |
| Noninterest income to average assets | -0.6512% | 7,701 |
| Noninterest expense to average assets | 4.3878% | 669 |
| Loan and lease loss provision to assets | 0.9882% | 1,508 |
| Net operating income to assets | -1.7337% | 7,170 |
| Return on assets (ROA) | -1.7337% | 7,182 |
| Pretax return on assets | -2.7657% | 7,374 |
| Return on Equity (ROE) | -12.8454% | 7,043 |
| Retained earnings to average equity (ytd only) | -12.8454% | 7,005 |
| Net charge-offs to loans | 1.7000% | 1,153 |
| Credit loss provision to net charge-offs | 89.3861% | 4,794 |
| Earnings coverage of net charge-offs (x) | -1.6077% | 6,515 |
| Efficiency ratio | 168.0917% | 142 |
| Assets per employee ($millions) | 2.8798% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0550% | 355 |
| Loan loss allowance to noncurrent loans | 89.2652% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 9.0649% | 496 |
| Noncurrent loans to loans | 4.5426% | 1,586 |
| Net loans and leases to total assets | 60.4105% | 4,831 |
| Net loans and leases to deposits | 70.9332% | 5,011 |
| Net loans and leases to core deposits | 83.0359% | 4,084 |
| Total domestic deposits to total assets | 85.1654% | 3,536 |
| Equity capital to assets | 13.9172% | 1,195 |
| Core capital (leverage) ratio | 12.5271% | 1,396 |
| Tier 1 risk-based capital ratio | 17.6373% | 2,131 |
| Total risk-based capital ratio | 18.9192% | 2,089 |
| Memoranda: | ||
| Average total assets | $115,894,750 | 4,637 |
| Average earning assets | $98,667,500 | 4,819 |
| Average equity | $15,642,000 | 3,869 |
| Average total loans | $75,371,500 | 4,546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 2,985 |
| Cost of funding earning assets | 1.4572% | 3,517 |
| Net interest margin | 3.9417% | 3,276 |
| Noninterest income to average assets | -1.1622% | 7,799 |
| Noninterest expense to average assets | 4.3304% | 699 |
| Loan and lease loss provision to assets | 1.3181% | 1,034 |
| Net operating income to assets | -2.1754% | 7,348 |
| Return on assets (ROA) | -2.1754% | 7,355 |
| Pretax return on assets | -3.4698% | 7,543 |
| Return on Equity (ROE) | -16.2745% | 7,181 |
| Retained earnings to average equity (ytd only) | -16.2745% | 7,145 |
| Net charge-offs to loans | 0.7172% | 2,425 |
| Credit loss provision to net charge-offs | 279.8561% | 1,328 |
| Earnings coverage of net charge-offs (x) | -4.5683% | 6,285 |
| Efficiency ratio | 198.7558% | 98 |
| Assets per employee ($millions) | 2.9357% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5556% | 244 |
| Loan loss allowance to noncurrent loans | 55.5810% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 10.1266% | 397 |
| Noncurrent loans to loans | 8.1964% | 626 |
| Net loans and leases to total assets | 62.1437% | 4,656 |
| Net loans and leases to deposits | 76.7635% | 4,191 |
| Net loans and leases to core deposits | 91.4535% | 3,066 |
| Total domestic deposits to total assets | 80.9548% | 5,415 |
| Equity capital to assets | 13.4971% | 1,348 |
| Core capital (leverage) ratio | 12.3071% | 1,494 |
| Tier 1 risk-based capital ratio | 17.1558% | 2,213 |
| Total risk-based capital ratio | 18.4433% | 2,165 |
| Memoranda: | ||
| Average total assets | $118,048,670 | 4,617 |
| Average earning assets | $100,058,000 | 4,806 |
| Average equity | $15,779,330 | 3,839 |
| Average total loans | $77,527,670 | 4,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 2,857 |
| Cost of funding earning assets | 1.4878% | 3,633 |
| Net interest margin | 3.9542% | 3,080 |
| Noninterest income to average assets | -0.8312% | 7,890 |
| Noninterest expense to average assets | 4.5933% | 517 |
| Loan and lease loss provision to assets | 0.7244% | 1,755 |
| Net operating income to assets | -1.7592% | 7,403 |
| Return on assets (ROA) | -1.7592% | 7,405 |
| Pretax return on assets | -2.8040% | 7,570 |
| Return on Equity (ROE) | -13.2225% | 7,265 |
| Retained earnings to average equity (ytd only) | -13.2225% | 7,135 |
| Net charge-offs to loans | 0.0607% | 4,807 |
| Credit loss provision to net charge-offs | 1,808.3333% | 280 |
| Earnings coverage of net charge-offs (x) | -51.9167% | 5,597 |
| Efficiency ratio | 182.7357% | 120 |
| Assets per employee ($millions) | 2.9966% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0604% | 358 |
| Loan loss allowance to noncurrent loans | 50.2268% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 11.7997% | 275 |
| Noncurrent loans to loans | 8.0841% | 664 |
| Net loans and leases to total assets | 62.6961% | 4,615 |
| Net loans and leases to deposits | 78.0109% | 4,039 |
| Net loans and leases to core deposits | 92.9528% | 2,984 |
| Total domestic deposits to total assets | 80.3683% | 5,662 |
| Equity capital to assets | 13.8705% | 1,184 |
| Core capital (leverage) ratio | 12.9293% | 1,234 |
| Tier 1 risk-based capital ratio | 18.0995% | 1,923 |
| Total risk-based capital ratio | 19.3809% | 1,886 |
| Memoranda: | ||
| Average total assets | $119,827,500 | 4,633 |
| Average earning assets | $101,360,500 | 4,839 |
| Average equity | $15,942,500 | 3,836 |
| Average total loans | $79,019,000 | 4,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 5,965 |
| Cost of funding earning assets | 1.9789% | 3,064 |
| Net interest margin | 3.1495% | 6,227 |
| Noninterest income to average assets | 0.0953% | 7,292 |
| Noninterest expense to average assets | 3.5139% | 2,341 |
| Loan and lease loss provision to assets | 4.7316% | 228 |
| Net operating income to assets | -3.4102% | 7,488 |
| Return on assets (ROA) | -3.4102% | 7,487 |
| Pretax return on assets | -5.4396% | 7,755 |
| Return on Equity (ROE) | -31.0902% | 7,422 |
| Retained earnings to average equity (ytd only) | -31.8336% | 7,422 |
| Net charge-offs to loans | 4.9873% | 263 |
| Credit loss provision to net charge-offs | 135.7752% | 3,643 |
| Earnings coverage of net charge-offs (x) | -0.2031% | 6,447 |
| Efficiency ratio | 125.2309% | 525 |
| Assets per employee ($millions) | 3.1484% | 5,864 |
| Cash dividends to net income (ytd only)* | -2.3911% | 7,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5462% | 510 |
| Loan loss allowance to noncurrent loans | 72.3096% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 10.8260% | 317 |
| Noncurrent loans to loans | 4.9041% | 1,388 |
| Net loans and leases to total assets | 64.1512% | 4,574 |
| Net loans and leases to deposits | 78.0666% | 4,359 |
| Net loans and leases to core deposits | 106.8488% | 3,234 |
| Total domestic deposits to total assets | 82.1750% | 4,877 |
| Equity capital to assets | 12.7659% | 1,608 |
| Core capital (leverage) ratio | 11.8675% | 1,726 |
| Tier 1 risk-based capital ratio | 15.9397% | 2,549 |
| Total risk-based capital ratio | 17.2125% | 2,468 |
| Memoranda: | ||
| Average total assets | $131,223,200 | 4,313 |
| Average earning assets | $112,939,800 | 4,481 |
| Average equity | $14,393,600 | 4,174 |
| Average total loans | $91,693,000 | 4,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9727% | 6,686 |
| Cost of funding earning assets | 2.0775% | 2,998 |
| Net interest margin | 2.8952% | 6,874 |
| Noninterest income to average assets | -0.3300% | 8,019 |
| Noninterest expense to average assets | 3.3189% | 2,839 |
| Loan and lease loss provision to assets | 4.1009% | 283 |
| Net operating income to assets | -3.2940% | 7,652 |
| Return on assets (ROA) | -3.2940% | 7,657 |
| Pretax return on assets | -5.2539% | 7,839 |
| Return on Equity (ROE) | -31.2074% | 7,637 |
| Retained earnings to average equity (ytd only) | -32.2211% | 7,635 |
| Net charge-offs to loans | 4.4401% | 293 |
| Credit loss provision to net charge-offs | 130.7300% | 3,828 |
| Earnings coverage of net charge-offs (x) | -0.3675% | 6,400 |
| Efficiency ratio | 153.2318% | 299 |
| Assets per employee ($millions) | 3.2118% | 5,623 |
| Cash dividends to net income (ytd only)* | -3.2483% | 7,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6288% | 941 |
| Loan loss allowance to noncurrent loans | 39.0861% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 15.0005% | 120 |
| Noncurrent loans to loans | 6.7258% | 836 |
| Net loans and leases to total assets | 62.5568% | 5,152 |
| Net loans and leases to deposits | 74.8934% | 5,229 |
| Net loans and leases to core deposits | 101.4058% | 4,221 |
| Total domestic deposits to total assets | 83.5277% | 3,943 |
| Equity capital to assets | 11.4974% | 2,586 |
| Core capital (leverage) ratio | 11.5799% | 2,025 |
| Tier 1 risk-based capital ratio | 14.2180% | 3,428 |
| Total risk-based capital ratio | 15.4782% | 3,370 |
| Memoranda: | ||
| Average total assets | $133,332,000 | 4,294 |
| Average earning assets | $114,945,250 | 4,451 |
| Average equity | $14,073,250 | 4,278 |
| Average total loans | $94,199,750 | 4,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 7,176 |
| Cost of funding earning assets | 2.1547% | 3,020 |
| Net interest margin | 2.6742% | 7,259 |
| Noninterest income to average assets | 0.2823% | 6,243 |
| Noninterest expense to average assets | 3.2790% | 3,058 |
| Loan and lease loss provision to assets | 3.5897% | 387 |
| Net operating income to assets | -2.6591% | 7,602 |
| Return on assets (ROA) | -2.6591% | 7,592 |
| Pretax return on assets | -4.2410% | 7,774 |
| Return on Equity (ROE) | -25.9519% | 7,645 |
| Retained earnings to average equity (ytd only) | -27.5120% | 7,647 |
| Net charge-offs to loans | 3.6776% | 406 |
| Credit loss provision to net charge-offs | 134.1709% | 3,476 |
| Earnings coverage of net charge-offs (x) | -0.2434% | 5,915 |
| Efficiency ratio | 124.7868% | 591 |
| Assets per employee ($millions) | 2.9480% | 6,272 |
| Cash dividends to net income (ytd only)* | -6.0112% | 7,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0790% | 1,427 |
| Loan loss allowance to noncurrent loans | 15.4176% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 17.4455% | 68 |
| Noncurrent loans to loans | 13.4845% | 169 |
| Net loans and leases to total assets | 69.5549% | 3,803 |
| Net loans and leases to deposits | 81.9656% | 4,229 |
| Net loans and leases to core deposits | 122.3727% | 2,171 |
| Total domestic deposits to total assets | 84.8587% | 3,332 |
| Equity capital to assets | 9.9814% | 3,965 |
| Core capital (leverage) ratio | 9.2676% | 4,216 |
| Tier 1 risk-based capital ratio | 11.7439% | 5,150 |
| Total risk-based capital ratio | 12.9997% | 5,069 |
| Memoranda: | ||
| Average total assets | $133,882,000 | 4,308 |
| Average earning assets | $117,418,330 | 4,433 |
| Average equity | $13,717,670 | 4,368 |
| Average total loans | $97,399,670 | 4,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 7,891 |
| Cost of funding earning assets | 2.1256% | 3,535 |
| Net interest margin | 2.1093% | 7,844 |
| Noninterest income to average assets | 0.6432% | 3,246 |
| Noninterest expense to average assets | 3.1403% | 3,231 |
| Loan and lease loss provision to assets | 1.5949% | 785 |
| Net operating income to assets | -1.3824% | 7,454 |
| Return on assets (ROA) | -1.3824% | 7,467 |
| Pretax return on assets | -2.2031% | 7,591 |
| Return on Equity (ROE) | -13.3333% | 7,538 |
| Retained earnings to average equity (ytd only) | -16.3368% | 7,504 |
| Net charge-offs to loans | 2.7583% | 473 |
| Credit loss provision to net charge-offs | 78.6227% | 4,211 |
| Earnings coverage of net charge-offs (x) | -0.2999% | 5,183 |
| Efficiency ratio | 124.0230% | 585 |
| Assets per employee ($millions) | 3.3636% | 5,168 |
| Cash dividends to net income (ytd only)* | -22.5263% | 8,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,113 |
| Loan loss allowance to noncurrent loans | 7.0192% | 7,538 |
| Noncurrent assets plus other real estate owned to assets | 15.6436% | 70 |
| Noncurrent loans to loans | 16.4005% | 75 |
| Net loans and leases to total assets | 67.5279% | 4,236 |
| Net loans and leases to deposits | 79.3879% | 4,707 |
| Net loans and leases to core deposits | 133.4835% | 1,444 |
| Total domestic deposits to total assets | 85.0607% | 3,166 |
| Equity capital to assets | 9.8809% | 4,144 |
| Core capital (leverage) ratio | 10.0859% | 3,310 |
| Tier 1 risk-based capital ratio | 12.4991% | 4,554 |
| Total risk-based capital ratio | 13.4939% | 4,660 |
| Memoranda: | ||
| Average total assets | $137,440,000 | 4,243 |
| Average earning assets | $123,074,000 | 4,301 |
| Average equity | $14,250,000 | 4,282 |
| Average total loans | $101,077,500 | 4,005 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9626% | 1,225 |
| Cost of funding earning assets | 2.5046% | 4,184 |
| Net interest margin | 4.4581% | 1,522 |
| Noninterest income to average assets | 0.4213% | 5,289 |
| Noninterest expense to average assets | 3.3390% | 2,843 |
| Loan and lease loss provision to assets | 3.6333% | 208 |
| Net operating income to assets | -1.5521% | 7,488 |
| Return on assets (ROA) | -1.5521% | 7,436 |
| Pretax return on assets | -2.4627% | 7,581 |
| Return on Equity (ROE) | -12.4188% | 7,456 |
| Retained earnings to average equity (ytd only) | -13.0306% | 7,331 |
| Net charge-offs to loans | 4.5504% | 123 |
| Credit loss provision to net charge-offs | 98.3444% | 5,438 |
| Earnings coverage of net charge-offs (x) | 0.3168% | 6,041 |
| Efficiency ratio | 74.0420% | 3,565 |
| Assets per employee ($millions) | 3.1072% | 5,753 |
| Cash dividends to net income (ytd only)* | -4.9261% | 7,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 4,593 |
| Loan loss allowance to noncurrent loans | 13.6246% | 7,435 |
| Noncurrent assets plus other real estate owned to assets | 9.6836% | 179 |
| Noncurrent loans to loans | 8.7538% | 284 |
| Net loans and leases to total assets | 78.1286% | 2,103 |
| Net loans and leases to deposits | 92.7249% | 3,010 |
| Net loans and leases to core deposits | 161.0597% | 553 |
| Total domestic deposits to total assets | 84.2584% | 3,198 |
| Equity capital to assets | 10.8833% | 3,136 |
| Core capital (leverage) ratio | 10.5617% | 2,927 |
| Tier 1 risk-based capital ratio | 12.6895% | 4,297 |
| Total risk-based capital ratio | 13.7890% | 4,314 |
| Memoranda: | ||
| Average total assets | $130,788,800 | 4,263 |
| Average earning assets | $119,940,000 | 4,260 |
| Average equity | $16,346,200 | 3,857 |
| Average total loans | $106,188,000 | 3,786 |