Home > Central Bank > Performance and Condition Ratios
Central 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 | 6.1415% | 535 |
| Cost of funding earning assets | 2.3810% | 478 |
| Net interest margin | 3.7605% | 1,625 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.3267% | 4,428 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 1.6598% | 781 |
| Return on assets (ROA) | 1.6628% | 749 |
| Pretax return on assets | 2.3698% | 392 |
| Return on Equity (ROE) | 21.0100% | 536 |
| Retained earnings to average equity (ytd only) | 20.5529% | 122 |
| Net charge-offs to loans | -0.0124% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 32.4364% | 4,479 |
| Assets per employee ($millions) | 17.6631% | 139 |
| Cash dividends to net income (ytd only)* | 2.1983% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,062 |
| Loan loss allowance to noncurrent loans | 116.1354% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 466 |
| Noncurrent loans to loans | 1.2879% | 548 |
| Net loans and leases to total assets | 79.4500% | 708 |
| Net loans and leases to deposits | 93.6067% | 970 |
| Net loans and leases to core deposits | 156.1139% | 177 |
| Total domestic deposits to total assets | 84.8800% | 2,346 |
| Equity capital to assets | 7.6757% | 3,613 |
| Core capital (leverage) ratio | 9.3819% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4435% | 2,878 |
| Memoranda: | ||
| Average total assets | $503,372,400 | 1,719 |
| Average earning assets | $487,517,800 | 1,671 |
| Average equity | $39,829,000 | 1,892 |
| Average total loans | $403,687,600 | 1,463 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9097% | 597 |
| Cost of funding earning assets | 2.1544% | 540 |
| Net interest margin | 3.7553% | 1,681 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.3041% | 4,444 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 1.6686% | 838 |
| Return on assets (ROA) | 1.6728% | 824 |
| Pretax return on assets | 2.3754% | 437 |
| Return on Equity (ROE) | 20.9500% | 644 |
| Retained earnings to average equity (ytd only) | 20.9522% | 230 |
| Net charge-offs to loans | -0.0176% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.1176% | 4,501 |
| Assets per employee ($millions) | 16.9206% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,048 |
| Loan loss allowance to noncurrent loans | 106.2428% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1183% | 418 |
| Noncurrent loans to loans | 1.4339% | 515 |
| Net loans and leases to total assets | 76.8000% | 1,015 |
| Net loans and leases to deposits | 91.0722% | 1,138 |
| Net loans and leases to core deposits | 133.9789% | 293 |
| Total domestic deposits to total assets | 84.3300% | 2,678 |
| Equity capital to assets | 7.6778% | 3,256 |
| Core capital (leverage) ratio | 9.5801% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8427% | 2,847 |
| Memoranda: | ||
| Average total assets | $483,495,000 | 1,767 |
| Average earning assets | $467,740,500 | 1,717 |
| Average equity | $38,601,250 | 1,914 |
| Average total loans | $387,075,500 | 1,506 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 555 |
| Cost of funding earning assets | 1.9081% | 594 |
| Net interest margin | 3.8933% | 1,440 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 1.3598% | 4,444 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 1.7209% | 755 |
| Return on assets (ROA) | 1.7274% | 747 |
| Pretax return on assets | 2.4555% | 376 |
| Return on Equity (ROE) | 21.3200% | 596 |
| Retained earnings to average equity (ytd only) | 21.3182% | 208 |
| Net charge-offs to loans | -0.0272% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 32.4158% | 4,527 |
| Assets per employee ($millions) | 15.3069% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,186 |
| Loan loss allowance to noncurrent loans | 96.1121% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 299 |
| Noncurrent loans to loans | 1.5588% | 417 |
| Net loans and leases to total assets | 82.2100% | 401 |
| Net loans and leases to deposits | 99.5829% | 534 |
| Net loans and leases to core deposits | 151.9830% | 134 |
| Total domestic deposits to total assets | 82.5500% | 3,130 |
| Equity capital to assets | 8.3949% | 2,953 |
| Core capital (leverage) ratio | 9.5713% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4978% | 2,766 |
| Memoranda: | ||
| Average total assets | $464,174,000 | 1,817 |
| Average earning assets | $448,927,000 | 1,760 |
| Average equity | $37,611,000 | 1,956 |
| Average total loans | $375,345,333 | 1,523 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 509 |
| Cost of funding earning assets | 1.6984% | 578 |
| Net interest margin | 3.9173% | 1,443 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.3595% | 4,502 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 1.7246% | 786 |
| Return on assets (ROA) | 1.7377% | 756 |
| Pretax return on assets | 2.4601% | 377 |
| Return on Equity (ROE) | 21.8500% | 591 |
| Retained earnings to average equity (ytd only) | 21.8527% | 294 |
| Net charge-offs to loans | -0.0548% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 32.7456% | 4,584 |
| Assets per employee ($millions) | 14.7140% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,378 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.4800% | 820 |
| Net loans and leases to deposits | 92.7050% | 877 |
| Net loans and leases to core deposits | 123.8863% | 365 |
| Total domestic deposits to total assets | 83.5800% | 3,179 |
| Equity capital to assets | 8.0287% | 3,223 |
| Core capital (leverage) ratio | 9.4661% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5975% | 2,831 |
| Memoranda: | ||
| Average total assets | $459,004,500 | 1,854 |
| Average earning assets | $442,759,000 | 1,794 |
| Average equity | $36,499,000 | 2,022 |
| Average total loans | $365,014,000 | 1,563 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 881 |
| Cost of funding earning assets | 0.8453% | 332 |
| Net interest margin | 3.5563% | 1,766 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.3440% | 4,542 |
| Loan and lease loss provision to assets | 0.3600% | 200 |
| Net operating income to assets | 1.6100% | 678 |
| Return on assets (ROA) | 1.6098% | 649 |
| Pretax return on assets | 2.2160% | 310 |
| Return on Equity (ROE) | 20.3300% | 447 |
| Retained earnings to average equity (ytd only) | 19.7760% | 97 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 34.3126% | 4,618 |
| Assets per employee ($millions) | 14.9053% | 210 |
| Cash dividends to net income (ytd only)* | 2.7175% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 1,549 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.3400% | 665 |
| Net loans and leases to deposits | 93.0502% | 842 |
| Net loans and leases to core deposits | 127.2738% | 259 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 7.8708% | 3,140 |
| Core capital (leverage) ratio | 9.3582% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5909% | 2,841 |
| Memoranda: | ||
| Average total assets | $420,619,600 | 1,949 |
| Average earning assets | $407,645,800 | 1,890 |
| Average equity | $33,308,000 | 2,184 |
| Average total loans | $306,901,800 | 1,695 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 932 |
| Cost of funding earning assets | 0.6846% | 291 |
| Net interest margin | 3.4907% | 1,688 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.3533% | 4,550 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.4908% | 871 |
| Return on assets (ROA) | 1.4905% | 855 |
| Pretax return on assets | 2.1495% | 350 |
| Return on Equity (ROE) | 18.7900% | 545 |
| Retained earnings to average equity (ytd only) | 18.7918% | 137 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 35.3793% | 4,649 |
| Assets per employee ($millions) | 14.0703% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.7600% | 835 |
| Net loans and leases to deposits | 89.1673% | 949 |
| Net loans and leases to core deposits | 116.7937% | 318 |
| Total domestic deposits to total assets | 86.0800% | 3,053 |
| Equity capital to assets | 7.8103% | 3,016 |
| Core capital (leverage) ratio | 9.0039% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7096% | 2,889 |
| Memoranda: | ||
| Average total assets | $413,984,500 | 1,986 |
| Average earning assets | $401,593,000 | 1,920 |
| Average equity | $32,836,250 | 2,240 |
| Average total loans | $293,684,000 | 1,744 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8684% | 1,175 |
| Cost of funding earning assets | 0.6374% | 226 |
| Net interest margin | 3.2310% | 2,103 |
| Noninterest income to average assets | 0.4474% | 2,470 |
| Noninterest expense to average assets | 1.3597% | 4,558 |
| Loan and lease loss provision to assets | 0.2431% | 306 |
| Net operating income to assets | 1.3805% | 954 |
| Return on assets (ROA) | 1.3801% | 934 |
| Pretax return on assets | 1.9870% | 391 |
| Return on Equity (ROE) | 17.3089% | 532 |
| Retained earnings to average equity (ytd only) | 17.3089% | 136 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8708% | 4,656 |
| Assets per employee ($millions) | 13.6233% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.3999% | 1,360 |
| Net loans and leases to deposits | 80.6860% | 1,336 |
| Net loans and leases to core deposits | 98.1386% | 754 |
| Total domestic deposits to total assets | 86.0123% | 3,244 |
| Equity capital to assets | 7.7100% | 3,341 |
| Core capital (leverage) ratio | 8.6344% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8415% | 2,852 |
| Memoranda: | ||
| Average total assets | $411,276,333 | 2,004 |
| Average earning assets | $400,060,667 | 1,944 |
| Average equity | $32,792,333 | 2,281 |
| Average total loans | $282,084,000 | 1,793 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 1,086 |
| Cost of funding earning assets | 0.6482% | 201 |
| Net interest margin | 3.1519% | 2,019 |
| Noninterest income to average assets | 0.4811% | 2,231 |
| Noninterest expense to average assets | 1.3476% | 4,585 |
| Loan and lease loss provision to assets | 0.2465% | 266 |
| Net operating income to assets | 1.3878% | 822 |
| Return on assets (ROA) | 1.3870% | 819 |
| Pretax return on assets | 1.9539% | 398 |
| Return on Equity (ROE) | 17.1022% | 410 |
| Retained earnings to average equity (ytd only) | 17.1022% | 174 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9722% | 4,685 |
| Assets per employee ($millions) | 13.5055% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.6542% | 1,539 |
| Net loans and leases to deposits | 75.7982% | 1,469 |
| Net loans and leases to core deposits | 94.1130% | 730 |
| Total domestic deposits to total assets | 85.2979% | 3,468 |
| Equity capital to assets | 8.0365% | 3,535 |
| Core capital (leverage) ratio | 8.3605% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5990% | 2,745 |
| Memoranda: | ||
| Average total assets | $405,753,500 | 2,034 |
| Average earning assets | $394,935,500 | 1,971 |
| Average equity | $32,908,000 | 2,336 |
| Average total loans | $274,589,500 | 1,816 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 1,574 |
| Cost of funding earning assets | 0.8049% | 202 |
| Net interest margin | 3.1088% | 2,877 |
| Noninterest income to average assets | 0.4508% | 2,814 |
| Noninterest expense to average assets | 1.4586% | 4,579 |
| Loan and lease loss provision to assets | 0.2428% | 397 |
| Net operating income to assets | 1.2435% | 1,766 |
| Return on assets (ROA) | 1.2463% | 1,814 |
| Pretax return on assets | 1.7661% | 986 |
| Return on Equity (ROE) | 14.7360% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.1491% | 290 |
| Net charge-offs to loans | -0.0004% | 3,221 |
| Credit loss provision to net charge-offs | -90,000.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1073% | 4,640 |
| Assets per employee ($millions) | 14.0118% | 242 |
| Cash dividends to net income (ytd only)* | 3.9827% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 68.9096% | 1,158 |
| Net loans and leases to deposits | 81.0204% | 1,133 |
| Net loans and leases to core deposits | 101.6518% | 467 |
| Total domestic deposits to total assets | 85.0522% | 3,254 |
| Equity capital to assets | 8.1840% | 4,244 |
| Core capital (leverage) ratio | 8.5980% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2454% | 2,826 |
| Memoranda: | ||
| Average total assets | $370,693,800 | 2,107 |
| Average earning assets | $359,298,200 | 2,046 |
| Average equity | $31,351,800 | 2,450 |
| Average total loans | $249,440,400 | 1,933 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 1,778 |
| Cost of funding earning assets | 0.8427% | 203 |
| Net interest margin | 3.0528% | 3,169 |
| Noninterest income to average assets | 0.4621% | 2,784 |
| Noninterest expense to average assets | 1.4782% | 4,615 |
| Loan and lease loss provision to assets | 0.2211% | 446 |
| Net operating income to assets | 1.2737% | 1,906 |
| Return on assets (ROA) | 1.2737% | 1,965 |
| Pretax return on assets | 1.7174% | 1,370 |
| Return on Equity (ROE) | 14.9238% | 1,157 |
| Retained earnings to average equity (ytd only) | 14.9238% | 410 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2639% | 4,611 |
| Assets per employee ($millions) | 13.4873% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 3,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.0538% | 1,319 |
| Net loans and leases to deposits | 80.4818% | 1,240 |
| Net loans and leases to core deposits | 105.1102% | 429 |
| Total domestic deposits to total assets | 84.5579% | 3,275 |
| Equity capital to assets | 8.3307% | 4,319 |
| Core capital (leverage) ratio | 8.5669% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2938% | 2,905 |
| Memoranda: | ||
| Average total assets | $361,782,000 | 2,164 |
| Average earning assets | $350,143,500 | 2,098 |
| Average equity | $30,876,000 | 2,506 |
| Average total loans | $240,928,000 | 2,020 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 1,918 |
| Cost of funding earning assets | 0.8860% | 198 |
| Net interest margin | 2.9747% | 3,382 |
| Noninterest income to average assets | 0.4648% | 2,781 |
| Noninterest expense to average assets | 1.4847% | 4,632 |
| Loan and lease loss provision to assets | 0.1705% | 680 |
| Net operating income to assets | 1.2369% | 2,060 |
| Return on assets (ROA) | 1.2369% | 2,124 |
| Pretax return on assets | 1.6921% | 1,499 |
| Return on Equity (ROE) | 14.3665% | 1,317 |
| Retained earnings to average equity (ytd only) | 14.3665% | 502 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3558% | 4,596 |
| Assets per employee ($millions) | 12.6241% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 66.6221% | 1,619 |
| Net loans and leases to deposits | 79.8357% | 1,441 |
| Net loans and leases to core deposits | 108.1313% | 411 |
| Total domestic deposits to total assets | 83.4490% | 3,594 |
| Equity capital to assets | 8.5701% | 4,148 |
| Core capital (leverage) ratio | 8.3812% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5634% | 2,843 |
| Memoranda: | ||
| Average total assets | $351,998,667 | 2,197 |
| Average earning assets | $341,080,000 | 2,132 |
| Average equity | $30,306,667 | 2,529 |
| Average total loans | $231,450,333 | 2,089 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 1,979 |
| Cost of funding earning assets | 0.9356% | 189 |
| Net interest margin | 2.9051% | 3,505 |
| Noninterest income to average assets | 0.4592% | 2,791 |
| Noninterest expense to average assets | 1.4634% | 4,687 |
| Loan and lease loss provision to assets | 0.1739% | 712 |
| Net operating income to assets | 1.2129% | 2,096 |
| Return on assets (ROA) | 1.2129% | 2,183 |
| Pretax return on assets | 1.6339% | 1,638 |
| Return on Equity (ROE) | 14.0532% | 1,420 |
| Retained earnings to average equity (ytd only) | 14.0532% | 751 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7359% | 4,541 |
| Assets per employee ($millions) | 13.1901% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 61.7649% | 2,309 |
| Net loans and leases to deposits | 73.5601% | 2,148 |
| Net loans and leases to core deposits | 100.5098% | 693 |
| Total domestic deposits to total assets | 83.9653% | 3,449 |
| Equity capital to assets | 8.1186% | 4,418 |
| Core capital (leverage) ratio | 8.2176% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4183% | 2,833 |
| Memoranda: | ||
| Average total assets | $344,949,000 | 2,214 |
| Average earning assets | $333,896,000 | 2,158 |
| Average equity | $29,772,500 | 2,561 |
| Average total loans | $223,784,000 | 2,127 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,327 |
| Cost of funding earning assets | 1.4590% | 100 |
| Net interest margin | 3.0346% | 3,812 |
| Noninterest income to average assets | 0.6197% | 2,140 |
| Noninterest expense to average assets | 1.7617% | 4,530 |
| Loan and lease loss provision to assets | 0.2513% | 1,538 |
| Net operating income to assets | 1.0791% | 1,990 |
| Return on assets (ROA) | 1.1561% | 1,825 |
| Pretax return on assets | 1.6164% | 1,043 |
| Return on Equity (ROE) | 12.2415% | 1,249 |
| Retained earnings to average equity (ytd only) | 11.5708% | 372 |
| Net charge-offs to loans | -0.0197% | 4,424 |
| Credit loss provision to net charge-offs | -1,871.7949% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8782% | 4,539 |
| Assets per employee ($millions) | 11.8731% | 327 |
| Cash dividends to net income (ytd only)* | 5.4795% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 4,033 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.8000% | 1,977 |
| Net loans and leases to deposits | 81.6764% | 1,689 |
| Net loans and leases to core deposits | 123.2278% | 272 |
| Total domestic deposits to total assets | 81.7862% | 3,711 |
| Equity capital to assets | 9.2212% | 3,867 |
| Core capital (leverage) ratio | 9.4211% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8211% | 2,694 |
| Memoranda: | ||
| Average total assets | $290,461,600 | 2,342 |
| Average earning assets | $278,747,400 | 2,298 |
| Average equity | $27,431,200 | 2,647 |
| Average total loans | $197,538,400 | 2,260 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,398 |
| Cost of funding earning assets | 1.5615% | 97 |
| Net interest margin | 3.0075% | 3,959 |
| Noninterest income to average assets | 0.6154% | 2,120 |
| Noninterest expense to average assets | 1.7337% | 4,585 |
| Loan and lease loss provision to assets | 0.2923% | 1,387 |
| Net operating income to assets | 1.0751% | 2,065 |
| Return on assets (ROA) | 1.1805% | 1,828 |
| Pretax return on assets | 1.6065% | 1,167 |
| Return on Equity (ROE) | 12.4166% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.4166% | 382 |
| Net charge-offs to loans | -0.0270% | 4,494 |
| Credit loss provision to net charge-offs | -1,589.7436% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5488% | 4,523 |
| Assets per employee ($millions) | 11.7086% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,451 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.1952% | 2,749 |
| Net loans and leases to deposits | 78.5795% | 2,468 |
| Net loans and leases to core deposits | 124.3222% | 337 |
| Total domestic deposits to total assets | 81.6946% | 3,496 |
| Equity capital to assets | 9.1421% | 4,005 |
| Core capital (leverage) ratio | 9.4109% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8259% | 2,674 |
| Memoranda: | ||
| Average total assets | $282,933,250 | 2,361 |
| Average earning assets | $271,272,250 | 2,320 |
| Average equity | $26,898,750 | 2,676 |
| Average total loans | $192,741,750 | 2,300 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 1,330 |
| Cost of funding earning assets | 1.6792% | 83 |
| Net interest margin | 3.0513% | 4,008 |
| Noninterest income to average assets | 0.6643% | 1,885 |
| Noninterest expense to average assets | 1.7766% | 4,592 |
| Loan and lease loss provision to assets | 0.3163% | 1,351 |
| Net operating income to assets | 1.1046% | 1,949 |
| Return on assets (ROA) | 1.1837% | 1,819 |
| Pretax return on assets | 1.5949% | 1,235 |
| Return on Equity (ROE) | 12.2678% | 1,267 |
| Retained earnings to average equity (ytd only) | 12.2678% | 425 |
| Net charge-offs to loans | -0.0414% | 4,629 |
| Credit loss provision to net charge-offs | -1,102.5641% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5181% | 4,530 |
| Assets per employee ($millions) | 12.4034% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 3,490 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.7943% | 2,656 |
| Net loans and leases to deposits | 82.9815% | 2,095 |
| Net loans and leases to core deposits | 138.5637% | 181 |
| Total domestic deposits to total assets | 79.2879% | 3,975 |
| Equity capital to assets | 9.3237% | 3,807 |
| Core capital (leverage) ratio | 9.5035% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1308% | 2,556 |
| Memoranda: | ||
| Average total assets | $271,867,333 | 2,405 |
| Average earning assets | $260,481,333 | 2,357 |
| Average equity | $26,231,333 | 2,701 |
| Average total loans | $188,518,333 | 2,319 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 1,093 |
| Cost of funding earning assets | 1.8176% | 77 |
| Net interest margin | 3.1209% | 4,048 |
| Noninterest income to average assets | 0.9005% | 1,064 |
| Noninterest expense to average assets | 1.8567% | 4,596 |
| Loan and lease loss provision to assets | 0.4788% | 620 |
| Net operating income to assets | 1.1379% | 1,728 |
| Return on assets (ROA) | 1.2465% | 1,489 |
| Pretax return on assets | 1.6837% | 882 |
| Return on Equity (ROE) | 12.6740% | 943 |
| Retained earnings to average equity (ytd only) | 12.6740% | 353 |
| Net charge-offs to loans | -0.0849% | 4,787 |
| Credit loss provision to net charge-offs | -794.8718% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8313% | 4,764 |
| Assets per employee ($millions) | 10.9185% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 3,551 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.7313% | 2,429 |
| Net loans and leases to deposits | 85.2343% | 2,087 |
| Net loans and leases to core deposits | 150.0000% | 115 |
| Total domestic deposits to total assets | 80.6380% | 3,736 |
| Equity capital to assets | 9.4940% | 4,228 |
| Core capital (leverage) ratio | 9.7091% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8497% | 2,774 |
| Memoranda: | ||
| Average total assets | $258,960,500 | 2,440 |
| Average earning assets | $247,361,000 | 2,388 |
| Average equity | $25,469,500 | 2,747 |
| Average total loans | $183,708,500 | 2,321 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 1,824 |
| Cost of funding earning assets | 1.8840% | 102 |
| Net interest margin | 2.9916% | 4,524 |
| Noninterest income to average assets | 0.2570% | 4,136 |
| Noninterest expense to average assets | 1.9005% | 4,661 |
| Loan and lease loss provision to assets | 0.1664% | 1,255 |
| Net operating income to assets | 0.7830% | 3,606 |
| Return on assets (ROA) | 0.8294% | 3,550 |
| Pretax return on assets | 1.1123% | 3,127 |
| Return on Equity (ROE) | 7.8680% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.1036% | 1,351 |
| Net charge-offs to loans | 0.0233% | 2,939 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 73.3158% | 849 |
| Efficiency ratio | 60.9037% | 3,553 |
| Assets per employee ($millions) | 10.6503% | 316 |
| Cash dividends to net income (ytd only)* | 9.7149% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 3,401 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.7809% | 2,123 |
| Net loans and leases to deposits | 90.0332% | 1,586 |
| Net loans and leases to core deposits | 143.5184% | 157 |
| Total domestic deposits to total assets | 79.7271% | 4,038 |
| Equity capital to assets | 10.2156% | 3,719 |
| Core capital (leverage) ratio | 10.5757% | 2,879 |
| Tier 1 risk-based capital ratio | 12.1029% | 4,304 |
| Total risk-based capital ratio | 13.0156% | 4,364 |
| Memoranda: | ||
| Average total assets | $228,365,200 | 2,591 |
| Average earning assets | $218,577,000 | 2,541 |
| Average equity | $24,072,200 | 2,789 |
| Average total loans | $162,753,000 | 2,478 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 2,122 |
| Cost of funding earning assets | 1.8615% | 114 |
| Net interest margin | 2.9375% | 4,712 |
| Noninterest income to average assets | 0.2248% | 4,388 |
| Noninterest expense to average assets | 1.8648% | 4,741 |
| Loan and lease loss provision to assets | 0.1665% | 1,120 |
| Net operating income to assets | 0.7505% | 3,848 |
| Return on assets (ROA) | 0.8135% | 3,713 |
| Pretax return on assets | 1.0864% | 3,337 |
| Return on Equity (ROE) | 7.6526% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.6526% | 1,557 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3819% | 3,424 |
| Assets per employee ($millions) | 10.0899% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 3,520 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.3081% | 2,581 |
| Net loans and leases to deposits | 86.9089% | 2,076 |
| Net loans and leases to core deposits | 134.8917% | 243 |
| Total domestic deposits to total assets | 79.7479% | 4,035 |
| Equity capital to assets | 10.3077% | 3,713 |
| Core capital (leverage) ratio | 10.6616% | 2,964 |
| Tier 1 risk-based capital ratio | 12.6567% | 4,057 |
| Total risk-based capital ratio | 13.5921% | 4,113 |
| Memoranda: | ||
| Average total assets | $224,217,000 | 2,647 |
| Average earning assets | $214,735,000 | 2,590 |
| Average equity | $23,834,250 | 2,820 |
| Average total loans | $159,030,000 | 2,544 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 2,102 |
| Cost of funding earning assets | 1.8355% | 109 |
| Net interest margin | 2.9519% | 4,755 |
| Noninterest income to average assets | 0.2447% | 4,284 |
| Noninterest expense to average assets | 1.8979% | 4,750 |
| Loan and lease loss provision to assets | 0.1741% | 1,039 |
| Net operating income to assets | 0.7479% | 3,838 |
| Return on assets (ROA) | 0.8450% | 3,548 |
| Pretax return on assets | 1.1208% | 3,174 |
| Return on Equity (ROE) | 7.8606% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.8606% | 1,444 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8209% | 3,464 |
| Assets per employee ($millions) | 9.6288% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 2,952 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.1291% | 2,514 |
| Net loans and leases to deposits | 87.1490% | 2,114 |
| Net loans and leases to core deposits | 131.4849% | 298 |
| Total domestic deposits to total assets | 80.4703% | 3,946 |
| Equity capital to assets | 10.9915% | 3,064 |
| Core capital (leverage) ratio | 10.5546% | 3,030 |
| Tier 1 risk-based capital ratio | 13.5137% | 3,576 |
| Total risk-based capital ratio | 14.4796% | 3,629 |
| Memoranda: | ||
| Average total assets | $218,236,670 | 2,705 |
| Average earning assets | $208,880,000 | 2,649 |
| Average equity | $23,458,670 | 2,846 |
| Average total loans | $155,511,670 | 2,599 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 2,199 |
| Cost of funding earning assets | 1.7590% | 126 |
| Net interest margin | 2.9490% | 4,823 |
| Noninterest income to average assets | 0.3471% | 3,539 |
| Noninterest expense to average assets | 1.9204% | 4,766 |
| Loan and lease loss provision to assets | 0.2031% | 783 |
| Net operating income to assets | 0.7906% | 3,656 |
| Return on assets (ROA) | 0.8125% | 3,610 |
| Pretax return on assets | 1.0747% | 3,222 |
| Return on Equity (ROE) | 7.6465% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.6465% | 1,787 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5708% | 3,736 |
| Assets per employee ($millions) | 9.2090% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,815 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.1954% | 2,301 |
| Net loans and leases to deposits | 87.2473% | 1,962 |
| Net loans and leases to core deposits | 126.0062% | 383 |
| Total domestic deposits to total assets | 81.6019% | 3,833 |
| Equity capital to assets | 10.6209% | 3,240 |
| Core capital (leverage) ratio | 10.3624% | 3,208 |
| Tier 1 risk-based capital ratio | 13.2959% | 3,719 |
| Total risk-based capital ratio | 14.2199% | 3,790 |
| Memoranda: | ||
| Average total assets | $216,623,500 | 2,748 |
| Average earning assets | $207,394,000 | 2,696 |
| Average equity | $23,017,000 | 2,884 |
| Average total loans | $154,782,500 | 2,641 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 2,819 |
| Cost of funding earning assets | 1.3706% | 159 |
| Net interest margin | 3.0125% | 4,788 |
| Noninterest income to average assets | 0.4429% | 3,149 |
| Noninterest expense to average assets | 2.2148% | 4,306 |
| Loan and lease loss provision to assets | 0.1677% | 1,202 |
| Net operating income to assets | 0.7100% | 4,111 |
| Return on assets (ROA) | 0.7111% | 4,113 |
| Pretax return on assets | 0.9148% | 3,852 |
| Return on Equity (ROE) | 6.5849% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7447% | 2,326 |
| Net charge-offs to loans | -0.0108% | 4,512 |
| Credit loss provision to net charge-offs | -2,266.6667% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2004% | 2,676 |
| Assets per employee ($millions) | 8.1627% | 624 |
| Cash dividends to net income (ytd only)* | 12.7601% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 2,108 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.2827% | 2,526 |
| Net loans and leases to deposits | 85.9812% | 2,271 |
| Net loans and leases to core deposits | 113.1868% | 823 |
| Total domestic deposits to total assets | 81.7420% | 3,710 |
| Equity capital to assets | 10.6300% | 3,047 |
| Core capital (leverage) ratio | 10.6442% | 2,896 |
| Tier 1 risk-based capital ratio | 13.7233% | 3,426 |
| Total risk-based capital ratio | 14.6285% | 3,512 |
| Memoranda: | ||
| Average total assets | $202,775,000 | 2,835 |
| Average earning assets | $192,033,000 | 2,802 |
| Average equity | $21,898,600 | 2,901 |
| Average total loans | $139,150,400 | 2,779 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 3,004 |
| Cost of funding earning assets | 1.2688% | 182 |
| Net interest margin | 3.0199% | 4,822 |
| Noninterest income to average assets | 0.3699% | 3,658 |
| Noninterest expense to average assets | 2.1835% | 4,356 |
| Loan and lease loss provision to assets | 0.1597% | 1,211 |
| Net operating income to assets | 0.6693% | 4,323 |
| Return on assets (ROA) | 0.6693% | 4,337 |
| Pretax return on assets | 0.8802% | 4,086 |
| Return on Equity (ROE) | 6.1716% | 4,212 |
| Retained earnings to average equity (ytd only) | 6.1716% | 2,565 |
| Net charge-offs to loans | -0.0166% | 4,573 |
| Credit loss provision to net charge-offs | -1,411.7647% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7399% | 2,587 |
| Assets per employee ($millions) | 8.0000% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 2,219 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.0244% | 2,931 |
| Net loans and leases to deposits | 83.3859% | 2,667 |
| Net loans and leases to core deposits | 106.3659% | 1,283 |
| Total domestic deposits to total assets | 81.5778% | 3,713 |
| Equity capital to assets | 10.5582% | 3,084 |
| Core capital (leverage) ratio | 10.8894% | 2,685 |
| Tier 1 risk-based capital ratio | 14.4569% | 3,149 |
| Total risk-based capital ratio | 15.3575% | 3,234 |
| Memoranda: | ||
| Average total assets | $200,411,250 | 2,883 |
| Average earning assets | $189,360,250 | 2,854 |
| Average equity | $21,733,250 | 2,933 |
| Average total loans | $136,280,250 | 2,826 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 3,051 |
| Cost of funding earning assets | 1.1430% | 236 |
| Net interest margin | 3.0766% | 4,773 |
| Noninterest income to average assets | 0.4649% | 3,061 |
| Noninterest expense to average assets | 2.2468% | 4,267 |
| Loan and lease loss provision to assets | 0.1718% | 1,067 |
| Net operating income to assets | 0.7216% | 4,130 |
| Return on assets (ROA) | 0.7216% | 4,138 |
| Pretax return on assets | 0.9491% | 3,812 |
| Return on Equity (ROE) | 6.5936% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.5936% | 2,262 |
| Net charge-offs to loans | -0.0239% | 4,641 |
| Credit loss provision to net charge-offs | -1,062.5000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7167% | 2,863 |
| Assets per employee ($millions) | 7.8439% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 4,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7394% | 2,022 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 68.2518% | 2,829 |
| Net loans and leases to deposits | 82.8921% | 2,670 |
| Net loans and leases to core deposits | 106.5649% | 1,202 |
| Total domestic deposits to total assets | 82.3381% | 3,618 |
| Equity capital to assets | 10.7266% | 2,906 |
| Core capital (leverage) ratio | 11.0335% | 2,489 |
| Tier 1 risk-based capital ratio | 14.4833% | 3,124 |
| Total risk-based capital ratio | 15.3507% | 3,233 |
| Memoranda: | ||
| Average total assets | $197,882,000 | 2,922 |
| Average earning assets | $186,697,330 | 2,894 |
| Average equity | $21,657,330 | 2,955 |
| Average total loans | $134,086,330 | 2,865 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,969 |
| Cost of funding earning assets | 1.0917% | 237 |
| Net interest margin | 3.0828% | 4,736 |
| Noninterest income to average assets | 0.5194% | 2,688 |
| Noninterest expense to average assets | 2.3402% | 4,082 |
| Loan and lease loss provision to assets | 0.1232% | 1,531 |
| Net operating income to assets | 0.7267% | 3,994 |
| Return on assets (ROA) | 0.7267% | 4,005 |
| Pretax return on assets | 0.9546% | 3,689 |
| Return on Equity (ROE) | 6.5714% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.5714% | 2,466 |
| Net charge-offs to loans | -0.0489% | 4,959 |
| Credit loss provision to net charge-offs | -375.0000% | 3,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4685% | 2,755 |
| Assets per employee ($millions) | 7.6940% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 4,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 1,358 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 67.3902% | 2,836 |
| Net loans and leases to deposits | 81.0585% | 2,692 |
| Net loans and leases to core deposits | 101.0131% | 1,612 |
| Total domestic deposits to total assets | 83.1377% | 3,621 |
| Equity capital to assets | 10.7681% | 2,806 |
| Core capital (leverage) ratio | 11.0422% | 2,398 |
| Tier 1 risk-based capital ratio | 14.5535% | 3,095 |
| Total risk-based capital ratio | 15.3652% | 3,240 |
| Memoranda: | ||
| Average total assets | $194,852,000 | 2,984 |
| Average earning assets | $183,208,500 | 2,962 |
| Average equity | $21,548,000 | 2,995 |
| Average total loans | $130,882,000 | 2,923 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,604 |
| Cost of funding earning assets | 0.9938% | 222 |
| Net interest margin | 3.2297% | 4,360 |
| Noninterest income to average assets | 2.1196% | 272 |
| Noninterest expense to average assets | 2.4007% | 4,080 |
| Loan and lease loss provision to assets | 0.1630% | 1,363 |
| Net operating income to assets | 1.4593% | 884 |
| Return on assets (ROA) | 1.5105% | 798 |
| Pretax return on assets | 2.6751% | 142 |
| Return on Equity (ROE) | 12.0063% | 1,210 |
| Retained earnings to average equity (ytd only) | 9.3067% | 457 |
| Net charge-offs to loans | -0.0069% | 4,703 |
| Credit loss provision to net charge-offs | -3,785.7143% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5355% | 5,381 |
| Assets per employee ($millions) | 7.5864% | 741 |
| Cash dividends to net income (ytd only)* | 22.4847% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,062 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 65.7218% | 3,136 |
| Net loans and leases to deposits | 79.8688% | 2,933 |
| Net loans and leases to core deposits | 98.5149% | 1,825 |
| Total domestic deposits to total assets | 82.2873% | 3,789 |
| Equity capital to assets | 11.3651% | 2,312 |
| Core capital (leverage) ratio | 11.0625% | 2,275 |
| Tier 1 risk-based capital ratio | 15.2532% | 2,726 |
| Total risk-based capital ratio | 16.0621% | 2,865 |
| Memoranda: | ||
| Average total assets | $162,533,600 | 3,316 |
| Average earning assets | $152,954,000 | 3,282 |
| Average equity | $20,447,600 | 3,092 |
| Average total loans | $101,535,000 | 3,323 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 2,669 |
| Cost of funding earning assets | 0.9479% | 259 |
| Net interest margin | 3.2360% | 4,369 |
| Noninterest income to average assets | 2.7094% | 210 |
| Noninterest expense to average assets | 2.3490% | 4,160 |
| Loan and lease loss provision to assets | 0.1541% | 1,345 |
| Net operating income to assets | 2.8535% | 92 |
| Return on assets (ROA) | 2.9251% | 84 |
| Pretax return on assets | 3.3386% | 94 |
| Return on Equity (ROE) | 22.5866% | 117 |
| Retained earnings to average equity (ytd only) | 22.5866% | 36 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7787% | 5,564 |
| Assets per employee ($millions) | 8.1734% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8036% | 4,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 1,372 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.3789% | 3,337 |
| Net loans and leases to deposits | 78.7335% | 3,094 |
| Net loans and leases to core deposits | 97.9174% | 1,894 |
| Total domestic deposits to total assets | 81.7681% | 3,845 |
| Equity capital to assets | 11.9044% | 2,029 |
| Core capital (leverage) ratio | 11.2646% | 2,213 |
| Tier 1 risk-based capital ratio | 15.4354% | 2,729 |
| Total risk-based capital ratio | 16.1699% | 2,879 |
| Memoranda: | ||
| Average total assets | $155,752,000 | 3,433 |
| Average earning assets | $146,844,750 | 3,390 |
| Average equity | $20,170,750 | 3,145 |
| Average total loans | $95,478,000 | 3,449 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,880 |
| Cost of funding earning assets | 0.8931% | 322 |
| Net interest margin | 3.1910% | 4,447 |
| Noninterest income to average assets | 4.0371% | 144 |
| Noninterest expense to average assets | 2.3531% | 4,203 |
| Loan and lease loss provision to assets | 0.1125% | 1,822 |
| Net operating income to assets | 4.2037% | 51 |
| Return on assets (ROA) | 4.3112% | 50 |
| Pretax return on assets | 4.7132% | 58 |
| Return on Equity (ROE) | 32.0978% | 29 |
| Retained earnings to average equity (ytd only) | 32.0978% | 16 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3267% | 5,721 |
| Assets per employee ($millions) | 8.0990% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 1,252 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.5171% | 3,790 |
| Net loans and leases to deposits | 73.3652% | 3,613 |
| Net loans and leases to core deposits | 92.6675% | 2,284 |
| Total domestic deposits to total assets | 82.4875% | 3,731 |
| Equity capital to assets | 12.4411% | 1,651 |
| Core capital (leverage) ratio | 11.1665% | 2,262 |
| Tier 1 risk-based capital ratio | 16.5532% | 2,298 |
| Total risk-based capital ratio | 17.2770% | 2,433 |
| Memoranda: | ||
| Average total assets | $142,282,000 | 3,630 |
| Average earning assets | $134,817,000 | 3,577 |
| Average equity | $19,110,330 | 3,261 |
| Average total loans | $84,867,330 | 3,679 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,261 |
| Cost of funding earning assets | 0.7295% | 723 |
| Net interest margin | 2.9249% | 5,037 |
| Noninterest income to average assets | 0.0698% | 5,676 |
| Noninterest expense to average assets | 1.9587% | 5,135 |
| Loan and lease loss provision to assets | 0.0998% | 1,894 |
| Net operating income to assets | 0.6185% | 4,074 |
| Return on assets (ROA) | 0.6584% | 3,930 |
| Pretax return on assets | 0.8779% | 3,840 |
| Return on Equity (ROE) | 4.6375% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.6375% | 3,096 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9354% | 3,211 |
| Assets per employee ($millions) | 9.5634% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 56.9343% | 4,076 |
| Net loans and leases to deposits | 68.6001% | 3,933 |
| Net loans and leases to core deposits | 81.0542% | 3,191 |
| Total domestic deposits to total assets | 82.9944% | 3,843 |
| Equity capital to assets | 13.8847% | 940 |
| Core capital (leverage) ratio | 14.1790% | 793 |
| Tier 1 risk-based capital ratio | 22.9642% | 983 |
| Total risk-based capital ratio | 24.1258% | 973 |
| Memoranda: | ||
| Average total assets | $120,284,000 | 3,992 |
| Average earning assets | $115,694,500 | 3,921 |
| Average equity | $17,078,000 | 3,539 |
| Average total loans | $70,474,500 | 4,038 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 3,979 |
| Cost of funding earning assets | 0.6639% | 983 |
| Net interest margin | 3.1125% | 4,697 |
| Noninterest income to average assets | 0.1389% | 5,495 |
| Noninterest expense to average assets | 2.2239% | 4,717 |
| Loan and lease loss provision to assets | 0.1042% | 2,304 |
| Net operating income to assets | 0.5793% | 4,300 |
| Return on assets (ROA) | 0.7187% | 3,811 |
| Pretax return on assets | 0.9739% | 3,568 |
| Return on Equity (ROE) | 4.8051% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.8766% | 3,163 |
| Net charge-offs to loans | 1.5861% | 90 |
| Credit loss provision to net charge-offs | 11.1940% | 3,734 |
| Earnings coverage of net charge-offs (x) | 0.9562% | 4,061 |
| Efficiency ratio | 71.4246% | 2,678 |
| Assets per employee ($millions) | 8.3031% | 532 |
| Cash dividends to net income (ytd only)* | 19.3237% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 3,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.8848% | 3,977 |
| Net loans and leases to deposits | 71.7009% | 3,739 |
| Net loans and leases to core deposits | 87.9300% | 2,684 |
| Total domestic deposits to total assets | 82.1255% | 4,040 |
| Equity capital to assets | 14.5332% | 723 |
| Core capital (leverage) ratio | 14.2725% | 741 |
| Tier 1 risk-based capital ratio | 23.2931% | 938 |
| Total risk-based capital ratio | 24.4604% | 931 |
| Memoranda: | ||
| Average total assets | $115,201,800 | 4,077 |
| Average earning assets | $110,105,600 | 4,005 |
| Average equity | $17,231,600 | 3,524 |
| Average total loans | $67,588,600 | 4,099 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 3,984 |
| Cost of funding earning assets | 0.6475% | 1,072 |
| Net interest margin | 3.1327% | 4,690 |
| Noninterest income to average assets | 0.1728% | 5,408 |
| Noninterest expense to average assets | 2.2307% | 4,687 |
| Loan and lease loss provision to assets | 0.1044% | 2,180 |
| Net operating income to assets | 0.6057% | 4,272 |
| Return on assets (ROA) | 0.7726% | 3,641 |
| Pretax return on assets | 1.0521% | 3,422 |
| Return on Equity (ROE) | 5.1281% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,735 |
| Net charge-offs to loans | -0.0040% | 4,574 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6206% | 2,806 |
| Assets per employee ($millions) | 8.4201% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6397% | 281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 3,276 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 59.0417% | 3,988 |
| Net loans and leases to deposits | 72.4100% | 3,763 |
| Net loans and leases to core deposits | 86.9498% | 2,853 |
| Total domestic deposits to total assets | 81.5382% | 4,098 |
| Equity capital to assets | 15.0932% | 713 |
| Core capital (leverage) ratio | 14.5447% | 712 |
| Tier 1 risk-based capital ratio | 22.9535% | 1,009 |
| Total risk-based capital ratio | 24.2198% | 993 |
| Memoranda: | ||
| Average total assets | $114,941,250 | 4,110 |
| Average earning assets | $109,549,500 | 4,037 |
| Average equity | $17,316,000 | 3,538 |
| Average total loans | $67,162,500 | 4,146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 3,944 |
| Cost of funding earning assets | 0.6293% | 1,146 |
| Net interest margin | 3.1742% | 4,628 |
| Noninterest income to average assets | 0.1404% | 5,610 |
| Noninterest expense to average assets | 2.1025% | 5,051 |
| Loan and lease loss provision to assets | 0.1053% | 2,100 |
| Net operating income to assets | 0.6994% | 3,792 |
| Return on assets (ROA) | 0.7968% | 3,465 |
| Pretax return on assets | 1.0846% | 3,259 |
| Return on Equity (ROE) | 5.2922% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2922% | 2,550 |
| Net charge-offs to loans | 0.0091% | 3,393 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 200.6667% | 327 |
| Efficiency ratio | 66.5556% | 3,596 |
| Assets per employee ($millions) | 8.2343% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7032% | 282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 1,142 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.8236% | 4,134 |
| Net loans and leases to deposits | 70.4239% | 3,945 |
| Net loans and leases to core deposits | 85.0405% | 2,980 |
| Total domestic deposits to total assets | 82.1079% | 3,972 |
| Equity capital to assets | 15.3079% | 670 |
| Core capital (leverage) ratio | 15.0210% | 611 |
| Tier 1 risk-based capital ratio | 22.5646% | 1,072 |
| Total risk-based capital ratio | 23.8305% | 1,050 |
| Memoranda: | ||
| Average total assets | $113,961,330 | 4,157 |
| Average earning assets | $108,375,330 | 4,092 |
| Average equity | $17,157,330 | 3,568 |
| Average total loans | $65,721,330 | 4,199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 3,732 |
| Cost of funding earning assets | 0.6211% | 1,212 |
| Net interest margin | 3.2391% | 4,435 |
| Noninterest income to average assets | 0.1906% | 5,365 |
| Noninterest expense to average assets | 2.1006% | 5,110 |
| Loan and lease loss provision to assets | 0.1059% | 1,928 |
| Net operating income to assets | 0.7678% | 3,406 |
| Return on assets (ROA) | 0.8720% | 3,005 |
| Pretax return on assets | 1.2039% | 2,684 |
| Return on Equity (ROE) | 5.8418% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,446 |
| Net charge-offs to loans | 0.0249% | 2,435 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 622 |
| Efficiency ratio | 64.3243% | 4,068 |
| Assets per employee ($millions) | 8.0729% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8496% | 257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 1,054 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 54.9310% | 4,363 |
| Net loans and leases to deposits | 66.8774% | 4,168 |
| Net loans and leases to core deposits | 78.5125% | 3,445 |
| Total domestic deposits to total assets | 82.1368% | 4,178 |
| Equity capital to assets | 15.1690% | 660 |
| Core capital (leverage) ratio | 14.1783% | 769 |
| Tier 1 risk-based capital ratio | 23.6799% | 951 |
| Total risk-based capital ratio | 24.9466% | 939 |
| Memoranda: | ||
| Average total assets | $113,302,000 | 4,191 |
| Average earning assets | $107,559,500 | 4,136 |
| Average equity | $16,912,500 | 3,605 |
| Average total loans | $64,326,500 | 4,253 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,128 |
| Cost of funding earning assets | 0.5474% | 1,787 |
| Net interest margin | 3.5004% | 3,522 |
| Noninterest income to average assets | 0.1052% | 5,860 |
| Noninterest expense to average assets | 2.1227% | 5,208 |
| Loan and lease loss provision to assets | 0.1138% | 2,105 |
| Net operating income to assets | 0.8194% | 3,251 |
| Return on assets (ROA) | 0.8409% | 3,224 |
| Pretax return on assets | 1.1908% | 2,692 |
| Return on Equity (ROE) | 5.3943% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.4482% | 3,604 |
| Net charge-offs to loans | 0.2321% | 1,283 |
| Credit loss provision to net charge-offs | 81.0811% | 2,930 |
| Earnings coverage of net charge-offs (x) | 9.0811% | 2,869 |
| Efficiency ratio | 62.4895% | 4,535 |
| Assets per employee ($millions) | 8.1131% | 530 |
| Cash dividends to net income (ytd only)* | 36.0767% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 920 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 55.4251% | 4,346 |
| Net loans and leases to deposits | 67.0237% | 4,219 |
| Net loans and leases to core deposits | 83.3949% | 3,010 |
| Total domestic deposits to total assets | 82.6947% | 3,946 |
| Equity capital to assets | 14.6860% | 739 |
| Core capital (leverage) ratio | 14.8721% | 641 |
| Tier 1 risk-based capital ratio | 23.1511% | 999 |
| Total risk-based capital ratio | 24.4167% | 982 |
| Memoranda: | ||
| Average total assets | $105,479,400 | 4,349 |
| Average earning assets | $99,187,600 | 4,311 |
| Average equity | $16,443,200 | 3,611 |
| Average total loans | $63,752,200 | 4,270 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 2,859 |
| Cost of funding earning assets | 0.5464% | 1,831 |
| Net interest margin | 3.5724% | 3,265 |
| Noninterest income to average assets | 0.0954% | 5,979 |
| Noninterest expense to average assets | 2.1433% | 5,188 |
| Loan and lease loss provision to assets | 0.1160% | 1,948 |
| Net operating income to assets | 0.8159% | 3,354 |
| Return on assets (ROA) | 0.8390% | 3,310 |
| Pretax return on assets | 1.2231% | 2,717 |
| Return on Equity (ROE) | 5.2978% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.2978% | 2,723 |
| Net charge-offs to loans | 0.3107% | 862 |
| Credit loss provision to net charge-offs | 60.8108% | 2,900 |
| Earnings coverage of net charge-offs (x) | 6.8445% | 2,991 |
| Efficiency ratio | 62.1450% | 4,553 |
| Assets per employee ($millions) | 7.5951% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7715% | 311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0906% | 948 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 58.2314% | 4,113 |
| Net loans and leases to deposits | 71.7499% | 3,797 |
| Net loans and leases to core deposits | 86.9134% | 2,760 |
| Total domestic deposits to total assets | 81.1588% | 4,435 |
| Equity capital to assets | 15.6737% | 621 |
| Core capital (leverage) ratio | 15.3892% | 576 |
| Tier 1 risk-based capital ratio | 24.2512% | 923 |
| Total risk-based capital ratio | 25.5174% | 905 |
| Memoranda: | ||
| Average total assets | $103,453,250 | 4,443 |
| Average earning assets | $97,112,000 | 4,407 |
| Average equity | $16,383,750 | 3,647 |
| Average total loans | $63,503,000 | 4,320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 2,693 |
| Cost of funding earning assets | 0.5500% | 1,815 |
| Net interest margin | 3.6083% | 3,053 |
| Noninterest income to average assets | 0.0859% | 6,070 |
| Noninterest expense to average assets | 2.1289% | 5,275 |
| Loan and lease loss provision to assets | 0.1171% | 1,896 |
| Net operating income to assets | 0.8409% | 3,169 |
| Return on assets (ROA) | 0.8449% | 3,258 |
| Pretax return on assets | 1.2254% | 2,670 |
| Return on Equity (ROE) | 5.3163% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.3163% | 2,659 |
| Net charge-offs to loans | 0.4666% | 544 |
| Credit loss provision to net charge-offs | 40.5405% | 2,806 |
| Earnings coverage of net charge-offs (x) | 4.6284% | 3,018 |
| Efficiency ratio | 61.4302% | 4,764 |
| Assets per employee ($millions) | 7.9457% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7062% | 374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2944% | 882 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.3888% | 3,773 |
| Net loans and leases to deposits | 74.4208% | 3,442 |
| Net loans and leases to core deposits | 88.1356% | 2,540 |
| Total domestic deposits to total assets | 81.1451% | 4,571 |
| Equity capital to assets | 15.7095% | 566 |
| Core capital (leverage) ratio | 15.4421% | 549 |
| Tier 1 risk-based capital ratio | 24.0459% | 953 |
| Total risk-based capital ratio | 25.3121% | 939 |
| Memoranda: | ||
| Average total assets | $102,494,000 | 4,505 |
| Average earning assets | $96,001,330 | 4,468 |
| Average equity | $16,289,670 | 3,675 |
| Average total loans | $63,443,000 | 4,356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 2,895 |
| Cost of funding earning assets | 0.5681% | 1,676 |
| Net interest margin | 3.5170% | 3,361 |
| Noninterest income to average assets | 0.0784% | 6,154 |
| Noninterest expense to average assets | 2.1039% | 5,374 |
| Loan and lease loss provision to assets | 0.1175% | 1,757 |
| Net operating income to assets | 0.7822% | 3,353 |
| Return on assets (ROA) | 0.7875% | 3,464 |
| Pretax return on assets | 1.1636% | 2,819 |
| Return on Equity (ROE) | 4.9262% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.9262% | 3,096 |
| Net charge-offs to loans | 0.9508% | 251 |
| Credit loss provision to net charge-offs | 20.0000% | 2,359 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 2,811 |
| Efficiency ratio | 62.2970% | 4,753 |
| Assets per employee ($millions) | 7.9586% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6551% | 429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4337% | 892 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.3478% | 3,601 |
| Net loans and leases to deposits | 74.5419% | 3,231 |
| Net loans and leases to core deposits | 96.0451% | 1,611 |
| Total domestic deposits to total assets | 80.9582% | 4,831 |
| Equity capital to assets | 15.9547% | 549 |
| Core capital (leverage) ratio | 15.6330% | 514 |
| Tier 1 risk-based capital ratio | 23.7311% | 1,017 |
| Total risk-based capital ratio | 24.9959% | 1,008 |
| Memoranda: | ||
| Average total assets | $102,094,000 | 4,552 |
| Average earning assets | $95,763,000 | 4,512 |
| Average equity | $16,321,000 | 3,692 |
| Average total loans | $63,108,000 | 4,391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 2,847 |
| Cost of funding earning assets | 0.5779% | 1,976 |
| Net interest margin | 3.6525% | 3,211 |
| Noninterest income to average assets | 0.0868% | 6,201 |
| Noninterest expense to average assets | 2.4062% | 4,828 |
| Loan and lease loss provision to assets | -0.1328% | 6,205 |
| Net operating income to assets | 1.2374% | 1,473 |
| Return on assets (ROA) | 1.3144% | 1,319 |
| Pretax return on assets | 1.3389% | 2,110 |
| Return on Equity (ROE) | 8.4484% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.3478% | 1,733 |
| Net charge-offs to loans | 2.2244% | 77 |
| Credit loss provision to net charge-offs | -10.0697% | 5,315 |
| Earnings coverage of net charge-offs (x) | 0.8552% | 4,549 |
| Efficiency ratio | 68.0925% | 3,889 |
| Assets per employee ($millions) | 7.1947% | 759 |
| Cash dividends to net income (ytd only)* | 24.8640% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9367% | 318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5386% | 899 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 59.8187% | 3,813 |
| Net loans and leases to deposits | 73.9627% | 3,442 |
| Net loans and leases to core deposits | 96.4681% | 1,683 |
| Total domestic deposits to total assets | 80.8768% | 4,774 |
| Equity capital to assets | 16.0187% | 530 |
| Core capital (leverage) ratio | 15.8371% | 486 |
| Tier 1 risk-based capital ratio | 26.0279% | 762 |
| Total risk-based capital ratio | 27.2990% | 746 |
| Memoranda: | ||
| Average total assets | $97,912,600 | 4,648 |
| Average earning assets | $92,401,800 | 4,598 |
| Average equity | $15,233,600 | 3,791 |
| Average total loans | $58,038,800 | 4,547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,880 |
| Cost of funding earning assets | 0.5761% | 2,054 |
| Net interest margin | 3.6556% | 3,203 |
| Noninterest income to average assets | 0.0960% | 6,260 |
| Noninterest expense to average assets | 2.3865% | 4,872 |
| Loan and lease loss provision to assets | -0.2195% | 6,406 |
| Net operating income to assets | 0.9206% | 2,818 |
| Return on assets (ROA) | 0.9683% | 2,668 |
| Pretax return on assets | 1.4552% | 1,792 |
| Return on Equity (ROE) | 6.2720% | 4,095 |
| Retained earnings to average equity (ytd only) | 6.2720% | 2,239 |
| Net charge-offs to loans | 3.0182% | 35 |
| Credit loss provision to net charge-offs | -12.3935% | 5,253 |
| Earnings coverage of net charge-offs (x) | 0.6576% | 4,340 |
| Efficiency ratio | 67.2074% | 4,008 |
| Assets per employee ($millions) | 8.2043% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0123% | 360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6104% | 986 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.6377% | 3,985 |
| Net loans and leases to deposits | 72.4805% | 3,634 |
| Net loans and leases to core deposits | 88.0460% | 2,422 |
| Total domestic deposits to total assets | 80.9014% | 4,846 |
| Equity capital to assets | 15.9235% | 577 |
| Core capital (leverage) ratio | 16.2695% | 446 |
| Tier 1 risk-based capital ratio | 26.5582% | 745 |
| Total risk-based capital ratio | 27.8288% | 723 |
| Memoranda: | ||
| Average total assets | $97,209,250 | 4,715 |
| Average earning assets | $91,875,500 | 4,646 |
| Average equity | $15,008,250 | 3,854 |
| Average total loans | $57,029,500 | 4,626 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 2,617 |
| Cost of funding earning assets | 0.5915% | 1,966 |
| Net interest margin | 3.6980% | 2,973 |
| Noninterest income to average assets | 0.0971% | 6,295 |
| Noninterest expense to average assets | 2.5766% | 4,325 |
| Loan and lease loss provision to assets | -0.3926% | 6,557 |
| Net operating income to assets | 0.9186% | 2,712 |
| Return on assets (ROA) | 0.9691% | 2,546 |
| Pretax return on assets | 1.4773% | 1,606 |
| Return on Equity (ROE) | 6.3441% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.3441% | 2,124 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8732% | 3,368 |
| Assets per employee ($millions) | 7.9692% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3526% | 70 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8391% | 916 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.4697% | 4,207 |
| Net loans and leases to deposits | 70.1133% | 3,812 |
| Net loans and leases to core deposits | 83.9949% | 2,736 |
| Total domestic deposits to total assets | 80.5406% | 5,114 |
| Equity capital to assets | 16.0598% | 542 |
| Core capital (leverage) ratio | 16.1372% | 457 |
| Tier 1 risk-based capital ratio | 27.4804% | 672 |
| Total risk-based capital ratio | 28.7815% | 655 |
| Memoranda: | ||
| Average total assets | $96,795,000 | 4,755 |
| Average earning assets | $91,291,670 | 4,696 |
| Average equity | $14,785,330 | 3,894 |
| Average total loans | $56,198,330 | 4,680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 2,277 |
| Cost of funding earning assets | 0.6094% | 1,898 |
| Net interest margin | 3.7568% | 2,654 |
| Noninterest income to average assets | 0.0945% | 6,348 |
| Noninterest expense to average assets | 3.0890% | 2,568 |
| Loan and lease loss provision to assets | -0.9037% | 6,697 |
| Net operating income to assets | 0.9464% | 2,423 |
| Return on assets (ROA) | 0.9571% | 2,446 |
| Pretax return on assets | 1.4706% | 1,512 |
| Return on Equity (ROE) | 6.4280% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.4280% | 2,326 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8758% | 1,569 |
| Assets per employee ($millions) | 8.2411% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3543% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7454% | 1,100 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.0524% | 4,408 |
| Net loans and leases to deposits | 66.2018% | 4,070 |
| Net loans and leases to core deposits | 80.4521% | 2,916 |
| Total domestic deposits to total assets | 81.6478% | 5,041 |
| Equity capital to assets | 14.9950% | 675 |
| Core capital (leverage) ratio | 15.4806% | 541 |
| Tier 1 risk-based capital ratio | 26.5362% | 746 |
| Total risk-based capital ratio | 27.8360% | 729 |
| Memoranda: | ||
| Average total assets | $97,377,500 | 4,789 |
| Average earning assets | $91,887,000 | 4,730 |
| Average equity | $14,499,000 | 3,950 |
| Average total loans | $55,769,500 | 4,733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,805 |
| Cost of funding earning assets | 0.7183% | 1,690 |
| Net interest margin | 3.6227% | 3,365 |
| Noninterest income to average assets | 0.0474% | 6,555 |
| Noninterest expense to average assets | 1.9615% | 6,085 |
| Loan and lease loss provision to assets | 0.1263% | 2,734 |
| Net operating income to assets | 1.3670% | 1,098 |
| Return on assets (ROA) | 1.4743% | 918 |
| Pretax return on assets | 1.4743% | 1,537 |
| Return on Equity (ROE) | 9.6755% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.9131% | 1,470 |
| Net charge-offs to loans | -0.0071% | 5,977 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7773% | 5,874 |
| Assets per employee ($millions) | 8.7147% | 368 |
| Cash dividends to net income (ytd only)* | 28.5510% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8916% | 47 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0544% | 1,025 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.0537% | 4,576 |
| Net loans and leases to deposits | 66.0737% | 4,290 |
| Net loans and leases to core deposits | 79.5716% | 3,182 |
| Total domestic deposits to total assets | 81.8082% | 4,942 |
| Equity capital to assets | 14.7806% | 714 |
| Core capital (leverage) ratio | 15.5034% | 541 |
| Tier 1 risk-based capital ratio | 26.5659% | 728 |
| Total risk-based capital ratio | 27.8710% | 699 |
| Memoranda: | ||
| Average total assets | $95,027,600 | 4,867 |
| Average earning assets | $89,381,200 | 4,795 |
| Average equity | $14,479,800 | 3,970 |
| Average total loans | $56,580,800 | 4,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 3,016 |
| Cost of funding earning assets | 0.7345% | 1,711 |
| Net interest margin | 3.5602% | 3,619 |
| Noninterest income to average assets | 0.0464% | 6,646 |
| Noninterest expense to average assets | 1.9377% | 6,123 |
| Loan and lease loss provision to assets | 0.1266% | 2,715 |
| Net operating income to assets | 1.2572% | 1,463 |
| Return on assets (ROA) | 1.3935% | 1,166 |
| Pretax return on assets | 1.4722% | 1,694 |
| Return on Equity (ROE) | 9.0764% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.0764% | 1,036 |
| Net charge-offs to loans | -0.0094% | 5,878 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1073% | 5,786 |
| Assets per employee ($millions) | 8.6608% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5706% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0272% | 1,218 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 57.1875% | 4,141 |
| Net loans and leases to deposits | 70.0769% | 3,778 |
| Net loans and leases to core deposits | 78.8509% | 3,248 |
| Total domestic deposits to total assets | 81.6068% | 5,053 |
| Equity capital to assets | 14.9713% | 717 |
| Core capital (leverage) ratio | 15.6666% | 545 |
| Tier 1 risk-based capital ratio | 25.5216% | 829 |
| Total risk-based capital ratio | 26.8240% | 809 |
| Memoranda: | ||
| Average total assets | $94,819,000 | 4,915 |
| Average earning assets | $89,130,500 | 4,845 |
| Average equity | $14,557,500 | 3,997 |
| Average total loans | $56,960,750 | 4,760 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,170 |
| Cost of funding earning assets | 0.7436% | 1,745 |
| Net interest margin | 3.5022% | 3,774 |
| Noninterest income to average assets | 0.0401% | 6,696 |
| Noninterest expense to average assets | 1.9288% | 6,174 |
| Loan and lease loss provision to assets | 0.1268% | 2,736 |
| Net operating income to assets | 1.2781% | 1,378 |
| Return on assets (ROA) | 1.4915% | 985 |
| Pretax return on assets | 1.4915% | 1,638 |
| Return on Equity (ROE) | 9.6345% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.6345% | 931 |
| Net charge-offs to loans | -0.0141% | 5,856 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8580% | 5,755 |
| Assets per employee ($millions) | 8.5821% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7494% | 75 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0550% | 1,329 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.2906% | 4,402 |
| Net loans and leases to deposits | 67.9529% | 4,021 |
| Net loans and leases to core deposits | 77.1514% | 3,407 |
| Total domestic deposits to total assets | 81.3661% | 5,242 |
| Equity capital to assets | 15.0504% | 704 |
| Core capital (leverage) ratio | 15.0058% | 610 |
| Tier 1 risk-based capital ratio | 25.7369% | 800 |
| Total risk-based capital ratio | 27.0402% | 773 |
| Memoranda: | ||
| Average total assets | $94,669,000 | 4,941 |
| Average earning assets | $89,029,000 | 4,871 |
| Average equity | $14,655,670 | 4,014 |
| Average total loans | $56,715,670 | 4,795 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 2,978 |
| Cost of funding earning assets | 0.7507% | 1,845 |
| Net interest margin | 3.5289% | 3,579 |
| Noninterest income to average assets | 0.0380% | 6,773 |
| Noninterest expense to average assets | 1.9240% | 6,245 |
| Loan and lease loss provision to assets | 0.1266% | 2,652 |
| Net operating income to assets | 1.2996% | 1,277 |
| Return on assets (ROA) | 1.6751% | 681 |
| Pretax return on assets | 1.6751% | 1,140 |
| Return on Equity (ROE) | 10.6724% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.6724% | 942 |
| Net charge-offs to loans | -0.0279% | 5,868 |
| Credit loss provision to net charge-offs | -750.0000% | 5,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4307% | 5,906 |
| Assets per employee ($millions) | 8.9592% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6432% | 95 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.0492% | 1,462 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 53.5114% | 4,488 |
| Net loans and leases to deposits | 65.9942% | 4,055 |
| Net loans and leases to core deposits | 77.4686% | 3,135 |
| Total domestic deposits to total assets | 81.0849% | 5,471 |
| Equity capital to assets | 15.1729% | 718 |
| Core capital (leverage) ratio | 15.0116% | 591 |
| Tier 1 risk-based capital ratio | 24.6825% | 931 |
| Total risk-based capital ratio | 25.9835% | 911 |
| Memoranda: | ||
| Average total assets | $94,802,000 | 4,982 |
| Average earning assets | $88,978,500 | 4,912 |
| Average equity | $14,879,500 | 4,018 |
| Average total loans | $57,383,500 | 4,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 2,797 |
| Cost of funding earning assets | 0.9233% | 1,797 |
| Net interest margin | 3.7262% | 3,540 |
| Noninterest income to average assets | 0.0904% | 6,542 |
| Noninterest expense to average assets | 1.8944% | 6,499 |
| Loan and lease loss provision to assets | 0.1339% | 3,953 |
| Net operating income to assets | 1.5787% | 785 |
| Return on assets (ROA) | 1.9971% | 390 |
| Pretax return on assets | 1.9971% | 603 |
| Return on Equity (ROE) | 12.5369% | 1,349 |
| Retained earnings to average equity (ytd only) | 10.2957% | 544 |
| Net charge-offs to loans | 0.2164% | 3,661 |
| Credit loss provision to net charge-offs | 93.0233% | 3,347 |
| Earnings coverage of net charge-offs (x) | 11.8992% | 1,988 |
| Efficiency ratio | 52.5209% | 6,417 |
| Assets per employee ($millions) | 8.2775% | 446 |
| Cash dividends to net income (ytd only)* | 17.8771% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2992% | 108 |
| Loan loss allowance to noncurrent loans | 447.6327% | 901 |
| Noncurrent assets plus other real estate owned to assets | 4.0658% | 1,046 |
| Noncurrent loans to loans | 1.1838% | 3,877 |
| Net loans and leases to total assets | 61.2358% | 3,383 |
| Net loans and leases to deposits | 77.0539% | 2,652 |
| Net loans and leases to core deposits | 85.5431% | 2,369 |
| Total domestic deposits to total assets | 79.4713% | 5,790 |
| Equity capital to assets | 16.2609% | 507 |
| Core capital (leverage) ratio | 15.1793% | 546 |
| Tier 1 risk-based capital ratio | 23.5096% | 1,035 |
| Total risk-based capital ratio | 24.8097% | 1,006 |
| Memoranda: | ||
| Average total assets | $89,631,400 | 5,097 |
| Average earning assets | $84,591,000 | 4,999 |
| Average equity | $14,277,800 | 4,107 |
| Average total loans | $59,616,800 | 4,727 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 2,854 |
| Cost of funding earning assets | 0.9589% | 1,793 |
| Net interest margin | 3.7281% | 3,668 |
| Noninterest income to average assets | 0.1449% | 6,416 |
| Noninterest expense to average assets | 1.8623% | 6,595 |
| Loan and lease loss provision to assets | 0.1344% | 3,865 |
| Net operating income to assets | 1.6667% | 739 |
| Return on assets (ROA) | 2.2267% | 301 |
| Pretax return on assets | 2.2267% | 458 |
| Return on Equity (ROE) | 14.0533% | 1,100 |
| Retained earnings to average equity (ytd only) | 14.0533% | 297 |
| Net charge-offs to loans | 0.0178% | 5,426 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 150.6992% | 290 |
| Efficiency ratio | 50.8357% | 6,529 |
| Assets per employee ($millions) | 9.0820% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6392% | 92 |
| Loan loss allowance to noncurrent loans | 183.8008% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 4.9361% | 913 |
| Noncurrent loans to loans | 3.0681% | 1,813 |
| Net loans and leases to total assets | 59.1610% | 3,940 |
| Net loans and leases to deposits | 74.9017% | 3,158 |
| Net loans and leases to core deposits | 80.6926% | 3,124 |
| Total domestic deposits to total assets | 78.9848% | 5,871 |
| Equity capital to assets | 16.5206% | 523 |
| Core capital (leverage) ratio | 15.3471% | 560 |
| Tier 1 risk-based capital ratio | 23.7893% | 1,049 |
| Total risk-based capital ratio | 25.0924% | 1,024 |
| Memoranda: | ||
| Average total assets | $89,276,000 | 5,164 |
| Average earning assets | $84,258,000 | 5,068 |
| Average equity | $14,145,750 | 4,172 |
| Average total loans | $59,801,750 | 4,775 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 2,357 |
| Cost of funding earning assets | 1.0082% | 1,722 |
| Net interest margin | 3.8273% | 3,231 |
| Noninterest income to average assets | 0.2050% | 6,093 |
| Noninterest expense to average assets | 1.8251% | 6,723 |
| Loan and lease loss provision to assets | 0.1352% | 3,837 |
| Net operating income to assets | 1.8544% | 507 |
| Return on assets (ROA) | 2.6994% | 143 |
| Pretax return on assets | 2.6994% | 221 |
| Return on Equity (ROE) | 17.2876% | 601 |
| Retained earnings to average equity (ytd only) | 17.2876% | 172 |
| Net charge-offs to loans | 0.0527% | 4,667 |
| Credit loss provision to net charge-offs | 375.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 55.1875% | 676 |
| Efficiency ratio | 47.8441% | 6,786 |
| Assets per employee ($millions) | 8.0836% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3264% | 126 |
| Loan loss allowance to noncurrent loans | 181.1073% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 5.0472% | 944 |
| Noncurrent loans to loans | 2.9410% | 2,032 |
| Net loans and leases to total assets | 63.4256% | 3,159 |
| Net loans and leases to deposits | 79.9915% | 2,383 |
| Net loans and leases to core deposits | 85.9621% | 2,431 |
| Total domestic deposits to total assets | 79.2904% | 5,902 |
| Equity capital to assets | 16.2663% | 539 |
| Core capital (leverage) ratio | 15.0799% | 588 |
| Tier 1 risk-based capital ratio | 21.8129% | 1,330 |
| Total risk-based capital ratio | 23.1113% | 1,299 |
| Memoranda: | ||
| Average total assets | $88,761,330 | 5,201 |
| Average earning assets | $83,715,330 | 5,112 |
| Average equity | $13,859,670 | 4,224 |
| Average total loans | $60,755,330 | 4,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 1,488 |
| Cost of funding earning assets | 1.0465% | 1,700 |
| Net interest margin | 4.0858% | 2,154 |
| Noninterest income to average assets | 0.0631% | 6,883 |
| Noninterest expense to average assets | 1.7997% | 6,791 |
| Loan and lease loss provision to assets | 0.1353% | 3,657 |
| Net operating income to assets | 1.9846% | 431 |
| Return on assets (ROA) | 2.8867% | 136 |
| Pretax return on assets | 2.8867% | 206 |
| Return on Equity (ROE) | 18.8825% | 467 |
| Retained earnings to average equity (ytd only) | 18.8825% | 218 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9148% | 6,902 |
| Assets per employee ($millions) | 9.8867% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5528% | 106 |
| Loan loss allowance to noncurrent loans | 445.5571% | 757 |
| Noncurrent assets plus other real estate owned to assets | 3.8717% | 1,438 |
| Noncurrent loans to loans | 1.2463% | 4,254 |
| Net loans and leases to total assets | 60.3855% | 3,576 |
| Net loans and leases to deposits | 75.2957% | 2,926 |
| Net loans and leases to core deposits | 79.0069% | 3,186 |
| Total domestic deposits to total assets | 80.1978% | 5,806 |
| Equity capital to assets | 15.5327% | 653 |
| Core capital (leverage) ratio | 14.4390% | 703 |
| Tier 1 risk-based capital ratio | 21.3128% | 1,421 |
| Total risk-based capital ratio | 22.6108% | 1,383 |
| Memoranda: | ||
| Average total assets | $88,682,000 | 5,254 |
| Average earning assets | $83,704,500 | 5,153 |
| Average equity | $13,557,500 | 4,288 |
| Average total loans | $61,347,500 | 4,759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 2,020 |
| Cost of funding earning assets | 1.2856% | 1,550 |
| Net interest margin | 3.9235% | 3,234 |
| Noninterest income to average assets | -0.0847% | 7,093 |
| Noninterest expense to average assets | 1.9369% | 6,782 |
| Loan and lease loss provision to assets | 0.1392% | 4,881 |
| Net operating income to assets | 1.5843% | 686 |
| Return on assets (ROA) | 1.7478% | 543 |
| Pretax return on assets | 1.7478% | 900 |
| Return on Equity (ROE) | 12.2459% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.2459% | 284 |
| Net charge-offs to loans | -0.5338% | 7,282 |
| Credit loss provision to net charge-offs | -35.1906% | 6,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9151% | 6,621 |
| Assets per employee ($millions) | 9.8204% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7550% | 208 |
| Loan loss allowance to noncurrent loans | 3,911.2500% | 135 |
| Noncurrent assets plus other real estate owned to assets | 3.1861% | 1,876 |
| Noncurrent loans to loans | 0.1216% | 6,505 |
| Net loans and leases to total assets | 70.9133% | 1,841 |
| Net loans and leases to deposits | 88.0380% | 1,376 |
| Net loans and leases to core deposits | 94.7813% | 1,615 |
| Total domestic deposits to total assets | 80.5485% | 5,579 |
| Equity capital to assets | 15.0412% | 773 |
| Core capital (leverage) ratio | 13.9565% | 834 |
| Tier 1 risk-based capital ratio | 18.5340% | 2,035 |
| Total risk-based capital ratio | 19.8270% | 1,989 |
| Memoranda: | ||
| Average total assets | $86,221,800 | 5,285 |
| Average earning assets | $82,298,600 | 5,163 |
| Average equity | $12,306,200 | 4,476 |
| Average total loans | $63,883,200 | 4,715 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 2,065 |
| Cost of funding earning assets | 1.3398% | 1,501 |
| Net interest margin | 3.8990% | 3,385 |
| Noninterest income to average assets | 0.0871% | 6,800 |
| Noninterest expense to average assets | 1.9623% | 6,768 |
| Loan and lease loss provision to assets | 0.1401% | 4,688 |
| Net operating income to assets | 1.7164% | 603 |
| Return on assets (ROA) | 1.9358% | 429 |
| Pretax return on assets | 1.9358% | 716 |
| Return on Equity (ROE) | 13.7540% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.7540% | 310 |
| Net charge-offs to loans | -0.7444% | 7,371 |
| Credit loss provision to net charge-offs | -25.4237% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3855% | 6,734 |
| Assets per employee ($millions) | 11.0209% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0510% | 176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3663% | 1,886 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.3502% | 2,813 |
| Net loans and leases to deposits | 82.2146% | 2,320 |
| Net loans and leases to core deposits | 88.7949% | 2,392 |
| Total domestic deposits to total assets | 80.7037% | 5,529 |
| Equity capital to assets | 14.8037% | 907 |
| Core capital (leverage) ratio | 13.9805% | 908 |
| Tier 1 risk-based capital ratio | 19.1548% | 1,883 |
| Total risk-based capital ratio | 20.4503% | 1,843 |
| Memoranda: | ||
| Average total assets | $85,681,250 | 5,334 |
| Average earning assets | $82,002,250 | 5,217 |
| Average equity | $12,059,250 | 4,555 |
| Average total loans | $63,402,750 | 4,784 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 1,923 |
| Cost of funding earning assets | 1.3944% | 1,446 |
| Net interest margin | 3.8945% | 3,337 |
| Noninterest income to average assets | 0.0259% | 7,132 |
| Noninterest expense to average assets | 2.0082% | 6,774 |
| Loan and lease loss provision to assets | 0.1414% | 4,538 |
| Net operating income to assets | 1.6287% | 691 |
| Return on assets (ROA) | 1.7136% | 629 |
| Pretax return on assets | 1.7136% | 1,030 |
| Return on Equity (ROE) | 12.3973% | 1,378 |
| Retained earnings to average equity (ytd only) | 12.3973% | 468 |
| Net charge-offs to loans | -0.2469% | 7,321 |
| Credit loss provision to net charge-offs | -75.9494% | 6,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1503% | 6,700 |
| Assets per employee ($millions) | 8.4311% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3584% | 317 |
| Loan loss allowance to noncurrent loans | 128.5256% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 3.5203% | 1,866 |
| Noncurrent loans to loans | 3.3911% | 2,098 |
| Net loans and leases to total assets | 73.0593% | 1,584 |
| Net loans and leases to deposits | 90.2652% | 1,242 |
| Net loans and leases to core deposits | 97.2037% | 1,561 |
| Total domestic deposits to total assets | 80.9384% | 5,545 |
| Equity capital to assets | 14.6149% | 910 |
| Core capital (leverage) ratio | 13.5906% | 970 |
| Tier 1 risk-based capital ratio | 18.5476% | 1,991 |
| Total risk-based capital ratio | 19.8379% | 1,939 |
| Memoranda: | ||
| Average total assets | $84,852,670 | 5,400 |
| Average earning assets | $81,755,330 | 5,271 |
| Average equity | $11,728,330 | 4,632 |
| Average total loans | $64,000,000 | 4,794 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2626% | 1,999 |
| Cost of funding earning assets | 1.4925% | 1,199 |
| Net interest margin | 3.7702% | 3,757 |
| Noninterest income to average assets | 0.0235% | 7,228 |
| Noninterest expense to average assets | 1.9595% | 6,895 |
| Loan and lease loss provision to assets | 0.1410% | 4,243 |
| Net operating income to assets | 1.5554% | 768 |
| Return on assets (ROA) | 1.7246% | 588 |
| Pretax return on assets | 1.7246% | 941 |
| Return on Equity (ROE) | 12.8417% | 1,233 |
| Retained earnings to average equity (ytd only) | 12.8417% | 612 |
| Net charge-offs to loans | -0.0564% | 6,921 |
| Credit loss provision to net charge-offs | -333.3333% | 5,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5990% | 6,728 |
| Assets per employee ($millions) | 8.6016% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2726% | 354 |
| Loan loss allowance to noncurrent loans | 123.9469% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 3.4505% | 1,975 |
| Noncurrent loans to loans | 3.4471% | 2,171 |
| Net loans and leases to total assets | 70.5101% | 2,030 |
| Net loans and leases to deposits | 85.6203% | 1,788 |
| Net loans and leases to core deposits | 93.7244% | 1,924 |
| Total domestic deposits to total assets | 82.3521% | 5,168 |
| Equity capital to assets | 13.4824% | 1,188 |
| Core capital (leverage) ratio | 13.0472% | 1,106 |
| Tier 1 risk-based capital ratio | 17.7650% | 2,194 |
| Total risk-based capital ratio | 19.0539% | 2,144 |
| Memoranda: | ||
| Average total assets | $85,123,500 | 5,439 |
| Average earning assets | $82,012,000 | 5,299 |
| Average equity | $11,431,500 | 4,687 |
| Average total loans | $63,798,000 | 4,845 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1437% | 3,888 |
| Cost of funding earning assets | 1.7819% | 1,244 |
| Net interest margin | 3.3619% | 5,755 |
| Noninterest income to average assets | 0.1152% | 6,830 |
| Noninterest expense to average assets | 2.0751% | 6,898 |
| Loan and lease loss provision to assets | 2.9836% | 323 |
| Net operating income to assets | -1.6890% | 6,969 |
| Return on assets (ROA) | -1.6866% | 6,989 |
| Pretax return on assets | -1.6866% | 6,923 |
| Return on Equity (ROE) | -11.6384% | 6,798 |
| Retained earnings to average equity (ytd only) | -11.6384% | 6,745 |
| Net charge-offs to loans | 6.8776% | 59 |
| Credit loss provision to net charge-offs | 56.8484% | 6,141 |
| Earnings coverage of net charge-offs (x) | 0.2467% | 5,864 |
| Efficiency ratio | 61.5809% | 5,795 |
| Assets per employee ($millions) | 9.3590% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1532% | 352 |
| Loan loss allowance to noncurrent loans | 82.3711% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 4.7762% | 1,368 |
| Noncurrent loans to loans | 5.0421% | 1,327 |
| Net loans and leases to total assets | 73.0978% | 1,850 |
| Net loans and leases to deposits | 91.5472% | 1,318 |
| Net loans and leases to core deposits | 97.9198% | 1,806 |
| Total domestic deposits to total assets | 79.8471% | 5,876 |
| Equity capital to assets | 13.3751% | 1,228 |
| Core capital (leverage) ratio | 12.7678% | 1,217 |
| Tier 1 risk-based capital ratio | 16.8090% | 2,422 |
| Total risk-based capital ratio | 18.0955% | 2,374 |
| Memoranda: | ||
| Average total assets | $85,969,800 | 5,409 |
| Average earning assets | $83,227,800 | 5,245 |
| Average equity | $12,458,800 | 4,493 |
| Average total loans | $65,604,200 | 4,841 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 3,999 |
| Cost of funding earning assets | 1.8298% | 1,304 |
| Net interest margin | 3.3383% | 5,892 |
| Noninterest income to average assets | 0.0309% | 7,364 |
| Noninterest expense to average assets | 2.1187% | 6,810 |
| Loan and lease loss provision to assets | 0.0386% | 6,694 |
| Net operating income to assets | 0.7202% | 3,321 |
| Return on assets (ROA) | 0.7222% | 3,469 |
| Pretax return on assets | 1.1141% | 2,781 |
| Return on Equity (ROE) | 4.8913% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.8913% | 3,061 |
| Net charge-offs to loans | 4.0679% | 295 |
| Credit loss provision to net charge-offs | 1.2425% | 6,366 |
| Earnings coverage of net charge-offs (x) | 0.3703% | 5,660 |
| Efficiency ratio | 64.8253% | 5,084 |
| Assets per employee ($millions) | 9.5917% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0396% | 360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 5,290 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 72.3174% | 2,187 |
| Net loans and leases to deposits | 96.1318% | 964 |
| Net loans and leases to core deposits | 100.6660% | 1,782 |
| Total domestic deposits to total assets | 75.2273% | 6,778 |
| Equity capital to assets | 15.4752% | 774 |
| Core capital (leverage) ratio | 14.7986% | 758 |
| Tier 1 risk-based capital ratio | 20.2571% | 1,496 |
| Total risk-based capital ratio | 21.5442% | 1,460 |
| Memoranda: | ||
| Average total assets | $86,404,500 | 5,462 |
| Average earning assets | $83,794,000 | 5,283 |
| Average equity | $12,757,000 | 4,487 |
| Average total loans | $65,945,500 | 4,908 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 3,840 |
| Cost of funding earning assets | 1.8907% | 1,270 |
| Net interest margin | 3.3314% | 5,898 |
| Noninterest income to average assets | 0.0231% | 7,454 |
| Noninterest expense to average assets | 2.0687% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7699% | 3,109 |
| Return on assets (ROA) | 0.7729% | 3,248 |
| Pretax return on assets | 1.1963% | 2,428 |
| Return on Equity (ROE) | 5.3200% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.3200% | 2,715 |
| Net charge-offs to loans | 5.2565% | 184 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.2958% | 5,433 |
| Efficiency ratio | 63.4493% | 5,441 |
| Assets per employee ($millions) | 9.3841% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4660% | 263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 72.7933% | 2,214 |
| Net loans and leases to deposits | 98.7377% | 818 |
| Net loans and leases to core deposits | 105.9307% | 1,454 |
| Total domestic deposits to total assets | 73.7239% | 7,007 |
| Equity capital to assets | 15.0976% | 857 |
| Core capital (leverage) ratio | 14.3614% | 846 |
| Tier 1 risk-based capital ratio | 20.8350% | 1,370 |
| Total risk-based capital ratio | 22.1283% | 1,333 |
| Memoranda: | ||
| Average total assets | $86,431,000 | 5,496 |
| Average earning assets | $83,989,330 | 5,302 |
| Average equity | $12,556,330 | 4,536 |
| Average total loans | $66,242,000 | 4,932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 3,996 |
| Cost of funding earning assets | 1.9702% | 1,184 |
| Net interest margin | 3.2334% | 6,186 |
| Noninterest income to average assets | 0.0275% | 7,571 |
| Noninterest expense to average assets | 1.9996% | 7,160 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7536% | 3,195 |
| Return on assets (ROA) | 0.7596% | 3,272 |
| Pretax return on assets | 1.1760% | 2,449 |
| Return on Equity (ROE) | 5.3295% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.3295% | 2,972 |
| Net charge-offs to loans | 11.6154% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.1307% | 4,912 |
| Efficiency ratio | 63.1503% | 5,633 |
| Assets per employee ($millions) | 8.9760% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1038% | 343 |
| Loan loss allowance to noncurrent loans | 2,421.8182% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 7,173 |
| Noncurrent loans to loans | 0.1695% | 7,000 |
| Net loans and leases to total assets | 69.3527% | 3,078 |
| Net loans and leases to deposits | 91.8454% | 1,630 |
| Net loans and leases to core deposits | 101.1110% | 2,018 |
| Total domestic deposits to total assets | 75.5102% | 6,831 |
| Equity capital to assets | 13.9884% | 1,147 |
| Core capital (leverage) ratio | 13.9012% | 981 |
| Tier 1 risk-based capital ratio | 19.8586% | 1,550 |
| Total risk-based capital ratio | 21.1464% | 1,510 |
| Memoranda: | ||
| Average total assets | $87,418,000 | 5,533 |
| Average earning assets | $84,865,500 | 5,342 |
| Average equity | $12,459,000 | 4,601 |
| Average total loans | $67,186,500 | 4,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7447% | 2,889 |
| Cost of funding earning assets | 2.3063% | 1,630 |
| Net interest margin | 3.4384% | 5,224 |
| Noninterest income to average assets | 0.1526% | 6,970 |
| Noninterest expense to average assets | 2.2114% | 6,965 |
| Loan and lease loss provision to assets | 6.3995% | 90 |
| Net operating income to assets | -4.8619% | 7,724 |
| Return on assets (ROA) | -4.8619% | 7,724 |
| Pretax return on assets | -5.1072% | 7,718 |
| Return on Equity (ROE) | -27.1333% | 7,344 |
| Retained earnings to average equity (ytd only) | -27.1333% | 7,317 |
| Net charge-offs to loans | 2.2858% | 1,022 |
| Credit loss provision to net charge-offs | 359.1568% | 891 |
| Earnings coverage of net charge-offs (x) | 0.7253% | 5,376 |
| Efficiency ratio | 63.1156% | 5,947 |
| Assets per employee ($millions) | 8.5076% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6443% | 73 |
| Loan loss allowance to noncurrent loans | 270.5158% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 2.0053% | 3,391 |
| Noncurrent loans to loans | 2.4562% | 3,092 |
| Net loans and leases to total assets | 76.2177% | 1,743 |
| Net loans and leases to deposits | 103.8585% | 654 |
| Net loans and leases to core deposits | 165.2556% | 283 |
| Total domestic deposits to total assets | 73.3861% | 7,105 |
| Equity capital to assets | 14.5305% | 1,014 |
| Core capital (leverage) ratio | 13.9626% | 988 |
| Tier 1 risk-based capital ratio | 18.9371% | 1,666 |
| Total risk-based capital ratio | 20.2614% | 1,617 |
| Memoranda: | ||
| Average total assets | $85,193,600 | 5,552 |
| Average earning assets | $83,032,400 | 5,363 |
| Average equity | $15,265,400 | 4,019 |
| Average total loans | $66,409,600 | 5,005 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 3,070 |
| Cost of funding earning assets | 2.3574% | 1,778 |
| Net interest margin | 3.4007% | 5,260 |
| Noninterest income to average assets | 0.1956% | 6,819 |
| Noninterest expense to average assets | 2.2044% | 6,961 |
| Loan and lease loss provision to assets | 4.8061% | 189 |
| Net operating income to assets | -3.2885% | 7,649 |
| Return on assets (ROA) | -3.2885% | 7,654 |
| Pretax return on assets | -3.4951% | 7,612 |
| Return on Equity (ROE) | -17.5258% | 7,291 |
| Retained earnings to average equity (ytd only) | -17.5258% | 7,254 |
| Net charge-offs to loans | 1.0521% | 1,881 |
| Credit loss provision to net charge-offs | 593.0502% | 649 |
| Earnings coverage of net charge-offs (x) | 1.6178% | 4,585 |
| Efficiency ratio | 62.7058% | 5,980 |
| Assets per employee ($millions) | 8.8685% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5857% | 195 |
| Loan loss allowance to noncurrent loans | 781.4010% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 6,298 |
| Noncurrent loans to loans | 0.5869% | 6,137 |
| Net loans and leases to total assets | 75.8978% | 2,012 |
| Net loans and leases to deposits | 105.1883% | 698 |
| Net loans and leases to core deposits | 170.0392% | 270 |
| Total domestic deposits to total assets | 72.1543% | 7,191 |
| Equity capital to assets | 16.2091% | 760 |
| Core capital (leverage) ratio | 15.5562% | 752 |
| Tier 1 risk-based capital ratio | 21.1515% | 1,348 |
| Total risk-based capital ratio | 22.4453% | 1,326 |
| Memoranda: | ||
| Average total assets | $85,223,000 | 5,582 |
| Average earning assets | $83,195,500 | 5,394 |
| Average equity | $15,991,250 | 3,915 |
| Average total loans | $65,647,500 | 5,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7613% | 3,244 |
| Cost of funding earning assets | 2.4176% | 1,893 |
| Net interest margin | 3.3437% | 5,390 |
| Noninterest income to average assets | 0.1713% | 7,067 |
| Noninterest expense to average assets | 2.1030% | 7,270 |
| Loan and lease loss provision to assets | 0.5281% | 2,910 |
| Net operating income to assets | 0.5067% | 4,063 |
| Return on assets (ROA) | 0.5067% | 4,183 |
| Pretax return on assets | 0.8041% | 3,655 |
| Return on Equity (ROE) | 2.5771% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.5771% | 3,892 |
| Net charge-offs to loans | 0.3124% | 3,627 |
| Credit loss provision to net charge-offs | 222.0000% | 2,065 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,799 |
| Efficiency ratio | 61.2188% | 6,363 |
| Assets per employee ($millions) | 8.9190% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.7833% | 1,994 |
| Net loans and leases to deposits | 110.2360% | 541 |
| Net loans and leases to core deposits | 187.7944% | 167 |
| Total domestic deposits to total assets | 69.6535% | 7,505 |
| Equity capital to assets | 18.6815% | 483 |
| Core capital (leverage) ratio | 19.1727% | 406 |
| Tier 1 risk-based capital ratio | 24.0212% | 1,035 |
| Total risk-based capital ratio | 25.1965% | 1,019 |
| Memoranda: | ||
| Average total assets | $84,069,000 | 5,652 |
| Average earning assets | $82,065,000 | 5,464 |
| Average equity | $16,530,000 | 3,809 |
| Average total loans | $64,015,000 | 5,176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 3,141 |
| Cost of funding earning assets | 2.6078% | 1,542 |
| Net interest margin | 3.2220% | 5,788 |
| Noninterest income to average assets | 0.0540% | 7,810 |
| Noninterest expense to average assets | 2.0022% | 7,345 |
| Loan and lease loss provision to assets | 0.3043% | 3,516 |
| Net operating income to assets | 0.5496% | 4,217 |
| Return on assets (ROA) | 0.5496% | 4,398 |
| Pretax return on assets | 0.8883% | 3,758 |
| Return on Equity (ROE) | 2.7211% | 5,486 |
| Retained earnings to average equity (ytd only) | 2.7211% | 4,374 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6728% | 5,939 |
| Assets per employee ($millions) | 9.0924% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 4,758 |
| Loan loss allowance to noncurrent loans | 373.3668% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 6,784 |
| Noncurrent loans to loans | 0.3233% | 6,632 |
| Net loans and leases to total assets | 74.2998% | 2,682 |
| Net loans and leases to deposits | 112.0219% | 521 |
| Net loans and leases to core deposits | 186.6034% | 200 |
| Total domestic deposits to total assets | 66.3261% | 7,711 |
| Equity capital to assets | 20.2048% | 407 |
| Core capital (leverage) ratio | 19.7780% | 406 |
| Tier 1 risk-based capital ratio | 26.2096% | 876 |
| Total risk-based capital ratio | 27.4054% | 860 |
| Memoranda: | ||
| Average total assets | $81,508,500 | 5,769 |
| Average earning assets | $79,453,000 | 5,565 |
| Average equity | $16,464,000 | 3,851 |
| Average total loans | $61,379,500 | 5,308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5581% | 2,677 |
| Cost of funding earning assets | 2.9173% | 2,189 |
| Net interest margin | 3.6408% | 4,719 |
| Noninterest income to average assets | 0.0533% | 7,876 |
| Noninterest expense to average assets | 2.2044% | 6,952 |
| Loan and lease loss provision to assets | 0.3478% | 3,619 |
| Net operating income to assets | 0.6086% | 4,264 |
| Return on assets (ROA) | 0.6086% | 4,132 |
| Pretax return on assets | 1.0363% | 3,249 |
| Return on Equity (ROE) | 2.6902% | 5,347 |
| Retained earnings to average equity (ytd only) | 2.6902% | 3,504 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4302% | 6,067 |
| Assets per employee ($millions) | 9.0206% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.5630% | 2,971 |
| Net loans and leases to deposits | 111.3433% | 747 |
| Net loans and leases to core deposits | 190.9831% | 215 |
| Total domestic deposits to total assets | 66.9668% | 7,579 |
| Equity capital to assets | 20.1934% | 456 |
| Core capital (leverage) ratio | 20.6996% | 390 |
| Tier 1 risk-based capital ratio | 25.7599% | 924 |
| Total risk-based capital ratio | 26.8465% | 910 |
| Memoranda: | ||
| Average total assets | $71,310,400 | 5,990 |
| Average earning assets | $69,242,800 | 5,847 |
| Average equity | $16,132,400 | 3,906 |
| Average total loans | $52,735,600 | 5,596 |