Home > Commerce Bank of Arizona > Performance and Condition Ratios
Commerce Bank of Arizona, Performance and Condition Ratios
| 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 | 5.6776% | 819 |
| Cost of funding earning assets | 1.1503% | 2,591 |
| Net interest margin | 4.5273% | 591 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 3.2529% | 764 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8803% | 2,750 |
| Return on assets (ROA) | 0.8800% | 2,737 |
| Pretax return on assets | 1.1880% | 2,328 |
| Return on Equity (ROE) | 9.8700% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.8700% | 1,443 |
| Net charge-offs to loans | -0.0347% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.2426% | 1,421 |
| Assets per employee ($millions) | 6.8553% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,163 |
| Loan loss allowance to noncurrent loans | 278.0059% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 1,700 |
| Noncurrent loans to loans | 0.4464% | 1,708 |
| Net loans and leases to total assets | 73.3700% | 1,424 |
| Net loans and leases to deposits | 97.2272% | 662 |
| Net loans and leases to core deposits | 103.6387% | 1,140 |
| Total domestic deposits to total assets | 75.4600% | 4,063 |
| Equity capital to assets | 8.4088% | 2,783 |
| Core capital (leverage) ratio | 10.4498% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $383,929,500 | 2,061 |
| Average earning assets | $368,950,250 | 2,012 |
| Average equity | $34,230,750 | 2,070 |
| Average total loans | $291,982,250 | 1,821 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5676% | 760 |
| Cost of funding earning assets | 0.9652% | 2,721 |
| Net interest margin | 4.6024% | 526 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 3.3554% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8569% | 2,899 |
| Return on assets (ROA) | 0.8565% | 2,900 |
| Pretax return on assets | 1.1558% | 2,488 |
| Return on Equity (ROE) | 9.4100% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.4102% | 1,571 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.3702% | 1,311 |
| Assets per employee ($millions) | 6.2700% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,340 |
| Loan loss allowance to noncurrent loans | 265.2391% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 1,453 |
| Noncurrent loans to loans | 0.4604% | 1,562 |
| Net loans and leases to total assets | 78.5800% | 775 |
| Net loans and leases to deposits | 99.1924% | 556 |
| Net loans and leases to core deposits | 105.2471% | 1,011 |
| Total domestic deposits to total assets | 79.2200% | 3,690 |
| Equity capital to assets | 9.0889% | 2,450 |
| Core capital (leverage) ratio | 10.7103% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $374,800,333 | 2,104 |
| Average earning assets | $359,941,667 | 2,044 |
| Average equity | $34,112,000 | 2,088 |
| Average total loans | $287,455,667 | 1,833 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5267% | 595 |
| Cost of funding earning assets | 0.8027% | 2,725 |
| Net interest margin | 4.7240% | 423 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 3.3491% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9454% | 2,702 |
| Return on assets (ROA) | 0.9446% | 2,661 |
| Pretax return on assets | 1.2745% | 2,244 |
| Return on Equity (ROE) | 10.3700% | 2,674 |
| Retained earnings to average equity (ytd only) | 10.3709% | 1,611 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4178% | 1,504 |
| Assets per employee ($millions) | 6.4083% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,853 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,935 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 73.5500% | 1,256 |
| Net loans and leases to deposits | 88.7897% | 1,149 |
| Net loans and leases to core deposits | 93.6390% | 1,415 |
| Total domestic deposits to total assets | 82.8300% | 3,332 |
| Equity capital to assets | 9.3456% | 2,260 |
| Core capital (leverage) ratio | 10.7194% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $370,966,500 | 2,153 |
| Average earning assets | $355,294,500 | 2,096 |
| Average equity | $33,787,000 | 2,132 |
| Average total loans | $279,049,500 | 1,884 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 649 |
| Cost of funding earning assets | 0.1881% | 3,850 |
| Net interest margin | 4.3691% | 368 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.0320% | 926 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0099% | 2,530 |
| Return on assets (ROA) | 1.0099% | 2,483 |
| Pretax return on assets | 1.3628% | 1,891 |
| Return on Equity (ROE) | 11.5800% | 2,274 |
| Retained earnings to average equity (ytd only) | 11.5761% | 764 |
| Net charge-offs to loans | -0.1424% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.8298% | 1,861 |
| Assets per employee ($millions) | 6.8565% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,796 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,953 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 74.9000% | 1,139 |
| Net loans and leases to deposits | 90.5373% | 1,011 |
| Net loans and leases to core deposits | 93.6313% | 1,311 |
| Total domestic deposits to total assets | 82.7200% | 3,486 |
| Equity capital to assets | 8.8691% | 2,442 |
| Core capital (leverage) ratio | 10.3127% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $361,019,400 | 2,178 |
| Average earning assets | $345,628,200 | 2,128 |
| Average equity | $31,495,800 | 2,273 |
| Average total loans | $252,127,400 | 1,929 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 747 |
| Cost of funding earning assets | 0.1368% | 3,972 |
| Net interest margin | 4.1560% | 463 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.9416% | 988 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9333% | 2,746 |
| Return on assets (ROA) | 0.9333% | 2,711 |
| Pretax return on assets | 1.2597% | 2,175 |
| Return on Equity (ROE) | 10.7400% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.7442% | 1,121 |
| Net charge-offs to loans | -0.1884% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7884% | 1,784 |
| Assets per employee ($millions) | 7.0262% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,437 |
| Loan loss allowance to noncurrent loans | 2,012.5000% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,376 |
| Noncurrent loans to loans | 0.0723% | 3,357 |
| Net loans and leases to total assets | 67.3400% | 1,744 |
| Net loans and leases to deposits | 74.2690% | 2,025 |
| Net loans and leases to core deposits | 75.6425% | 2,227 |
| Total domestic deposits to total assets | 90.6700% | 1,376 |
| Equity capital to assets | 8.0081% | 2,889 |
| Core capital (leverage) ratio | 9.4033% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $358,711,500 | 2,201 |
| Average earning assets | $343,109,250 | 2,154 |
| Average equity | $31,160,250 | 2,317 |
| Average total loans | $244,904,250 | 1,973 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 777 |
| Cost of funding earning assets | 0.1350% | 3,774 |
| Net interest margin | 3.9575% | 542 |
| Noninterest income to average assets | 0.3044% | 3,339 |
| Noninterest expense to average assets | 2.9467% | 917 |
| Loan and lease loss provision to assets | 0.0209% | 2,227 |
| Net operating income to assets | 0.8245% | 2,866 |
| Return on assets (ROA) | 0.8245% | 2,840 |
| Pretax return on assets | 1.1125% | 2,360 |
| Return on Equity (ROE) | 9.2386% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.2386% | 1,213 |
| Net charge-offs to loans | -0.2855% | 4,642 |
| Credit loss provision to net charge-offs | -10.7246% | 2,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2215% | 1,718 |
| Assets per employee ($millions) | 6.9792% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,592 |
| Loan loss allowance to noncurrent loans | 1,918.1347% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,437 |
| Noncurrent loans to loans | 0.0751% | 3,422 |
| Net loans and leases to total assets | 69.7690% | 1,314 |
| Net loans and leases to deposits | 77.2964% | 1,588 |
| Net loans and leases to core deposits | 78.8149% | 1,790 |
| Total domestic deposits to total assets | 90.2617% | 1,604 |
| Equity capital to assets | 8.3716% | 2,856 |
| Core capital (leverage) ratio | 9.6222% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,153,333 | 2,232 |
| Average earning assets | $337,893,000 | 2,191 |
| Average equity | $31,606,667 | 2,340 |
| Average total loans | $241,719,667 | 1,984 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 813 |
| Cost of funding earning assets | 0.1370% | 3,673 |
| Net interest margin | 3.8364% | 589 |
| Noninterest income to average assets | 0.5169% | 2,060 |
| Noninterest expense to average assets | 3.0809% | 707 |
| Loan and lease loss provision to assets | 0.0423% | 1,597 |
| Net operating income to assets | 0.7742% | 2,749 |
| Return on assets (ROA) | 0.7742% | 2,741 |
| Pretax return on assets | 1.0453% | 2,310 |
| Return on Equity (ROE) | 8.4050% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.4050% | 1,452 |
| Net charge-offs to loans | -0.1264% | 4,518 |
| Credit loss provision to net charge-offs | -50.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9095% | 1,752 |
| Assets per employee ($millions) | 6.5725% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,738 |
| Loan loss allowance to noncurrent loans | 280.0816% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,720 |
| Noncurrent loans to loans | 0.5157% | 1,734 |
| Net loans and leases to total assets | 65.9661% | 1,415 |
| Net loans and leases to deposits | 73.4895% | 1,656 |
| Net loans and leases to core deposits | 75.1929% | 1,831 |
| Total domestic deposits to total assets | 89.7626% | 1,686 |
| Equity capital to assets | 8.7756% | 2,908 |
| Core capital (leverage) ratio | 9.7187% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,772,000 | 2,257 |
| Average earning assets | $332,920,000 | 2,221 |
| Average equity | $32,219,000 | 2,377 |
| Average total loans | $234,127,000 | 2,024 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 947 |
| Cost of funding earning assets | 0.2193% | 3,265 |
| Net interest margin | 4.0109% | 689 |
| Noninterest income to average assets | 0.1011% | 4,598 |
| Noninterest expense to average assets | 2.7843% | 1,394 |
| Loan and lease loss provision to assets | 0.1418% | 845 |
| Net operating income to assets | 0.7552% | 3,470 |
| Return on assets (ROA) | 0.7556% | 3,534 |
| Pretax return on assets | 1.0198% | 3,201 |
| Return on Equity (ROE) | 8.4342% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.4342% | 1,376 |
| Net charge-offs to loans | 0.0529% | 1,272 |
| Credit loss provision to net charge-offs | 382.9457% | 931 |
| Earnings coverage of net charge-offs (x) | 31.3488% | 1,580 |
| Efficiency ratio | 70.5720% | 1,670 |
| Assets per employee ($millions) | 6.5025% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,769 |
| Loan loss allowance to noncurrent loans | 248.8756% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 1,674 |
| Noncurrent loans to loans | 0.5782% | 1,695 |
| Net loans and leases to total assets | 65.9780% | 1,473 |
| Net loans and leases to deposits | 74.3816% | 1,696 |
| Net loans and leases to core deposits | 76.2421% | 1,898 |
| Total domestic deposits to total assets | 88.7021% | 1,664 |
| Equity capital to assets | 9.6602% | 2,989 |
| Core capital (leverage) ratio | 9.8678% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,311,400 | 2,207 |
| Average earning assets | $333,840,000 | 2,169 |
| Average equity | $31,206,200 | 2,458 |
| Average total loans | $243,858,400 | 1,968 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 1,038 |
| Cost of funding earning assets | 0.2391% | 3,222 |
| Net interest margin | 4.0053% | 785 |
| Noninterest income to average assets | 0.0870% | 4,713 |
| Noninterest expense to average assets | 2.7935% | 1,356 |
| Loan and lease loss provision to assets | 0.1294% | 900 |
| Net operating income to assets | 0.7977% | 3,523 |
| Return on assets (ROA) | 0.7983% | 3,598 |
| Pretax return on assets | 1.0083% | 3,433 |
| Return on Equity (ROE) | 9.0857% | 3,085 |
| Retained earnings to average equity (ytd only) | 9.0857% | 1,664 |
| Net charge-offs to loans | 0.0723% | 923 |
| Credit loss provision to net charge-offs | 252.9851% | 1,090 |
| Earnings coverage of net charge-offs (x) | 22.2239% | 1,685 |
| Efficiency ratio | 71.0733% | 1,486 |
| Assets per employee ($millions) | 6.4221% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,322 |
| Loan loss allowance to noncurrent loans | 232.5239% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 1,849 |
| Noncurrent loans to loans | 0.5729% | 1,875 |
| Net loans and leases to total assets | 68.7698% | 1,225 |
| Net loans and leases to deposits | 77.2537% | 1,552 |
| Net loans and leases to core deposits | 79.3299% | 1,794 |
| Total domestic deposits to total assets | 89.0182% | 1,264 |
| Equity capital to assets | 9.6045% | 3,284 |
| Core capital (leverage) ratio | 9.4476% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,231,750 | 2,223 |
| Average earning assets | $335,117,500 | 2,179 |
| Average equity | $30,684,750 | 2,518 |
| Average total loans | $247,148,000 | 1,974 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 1,532 |
| Cost of funding earning assets | 0.2670% | 3,113 |
| Net interest margin | 3.7493% | 1,225 |
| Noninterest income to average assets | 0.0875% | 4,740 |
| Noninterest expense to average assets | 2.7877% | 1,382 |
| Loan and lease loss provision to assets | 0.1096% | 1,154 |
| Net operating income to assets | 0.8802% | 3,273 |
| Return on assets (ROA) | 0.8802% | 3,352 |
| Pretax return on assets | 0.7865% | 3,896 |
| Return on Equity (ROE) | 10.3278% | 2,646 |
| Retained earnings to average equity (ytd only) | 10.3278% | 1,306 |
| Net charge-offs to loans | -0.0176% | 3,930 |
| Credit loss provision to net charge-offs | -877.2727% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6744% | 1,115 |
| Assets per employee ($millions) | 6.7175% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,636 |
| Loan loss allowance to noncurrent loans | 222.3001% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 1,429 |
| Noncurrent loans to loans | 0.5671% | 1,980 |
| Net loans and leases to total assets | 73.9196% | 762 |
| Net loans and leases to deposits | 82.6588% | 1,154 |
| Net loans and leases to core deposits | 84.9276% | 1,498 |
| Total domestic deposits to total assets | 89.4274% | 1,065 |
| Equity capital to assets | 9.1504% | 3,655 |
| Core capital (leverage) ratio | 8.4308% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2120% | 2,641 |
| Memoranda: | ||
| Average total assets | $352,184,667 | 2,193 |
| Average earning assets | $337,826,333 | 2,149 |
| Average equity | $30,016,000 | 2,553 |
| Average total loans | $250,452,667 | 1,959 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 1,563 |
| Cost of funding earning assets | 0.2932% | 3,067 |
| Net interest margin | 3.7299% | 1,268 |
| Noninterest income to average assets | 0.0777% | 4,772 |
| Noninterest expense to average assets | 2.7574% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6716% | 3,777 |
| Return on assets (ROA) | 0.6716% | 3,847 |
| Pretax return on assets | 0.9069% | 3,584 |
| Return on Equity (ROE) | 8.1600% | 3,277 |
| Retained earnings to average equity (ytd only) | 8.1600% | 2,186 |
| Net charge-offs to loans | -0.0272% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2499% | 1,201 |
| Assets per employee ($millions) | 7.3033% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,227 |
| Loan loss allowance to noncurrent loans | 148.9724% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 1,339 |
| Noncurrent loans to loans | 0.7676% | 1,706 |
| Net loans and leases to total assets | 70.3573% | 1,241 |
| Net loans and leases to deposits | 84.2331% | 1,123 |
| Net loans and leases to core deposits | 86.9572% | 1,458 |
| Total domestic deposits to total assets | 83.5269% | 3,564 |
| Equity capital to assets | 8.1045% | 4,428 |
| Core capital (leverage) ratio | 8.4127% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4906% | 2,491 |
| Memoranda: | ||
| Average total assets | $360,338,500 | 2,138 |
| Average earning assets | $346,499,500 | 2,095 |
| Average equity | $29,657,000 | 2,570 |
| Average total loans | $249,954,500 | 1,963 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 1,299 |
| Cost of funding earning assets | 0.4671% | 3,172 |
| Net interest margin | 4.0385% | 897 |
| Noninterest income to average assets | -0.2049% | 4,989 |
| Noninterest expense to average assets | 3.5091% | 682 |
| Loan and lease loss provision to assets | -0.0940% | 4,953 |
| Net operating income to assets | 0.9347% | 2,544 |
| Return on assets (ROA) | 0.9913% | 2,468 |
| Pretax return on assets | 0.3201% | 4,518 |
| Return on Equity (ROE) | 10.6164% | 1,770 |
| Retained earnings to average equity (ytd only) | 10.6164% | 479 |
| Net charge-offs to loans | -0.1228% | 4,842 |
| Credit loss provision to net charge-offs | 105.2830% | 2,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3925% | 238 |
| Assets per employee ($millions) | 7.2553% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,789 |
| Loan loss allowance to noncurrent loans | 133.2882% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 1,308 |
| Noncurrent loans to loans | 0.9237% | 1,525 |
| Net loans and leases to total assets | 66.6818% | 1,996 |
| Net loans and leases to deposits | 77.9396% | 2,074 |
| Net loans and leases to core deposits | 80.4254% | 2,324 |
| Total domestic deposits to total assets | 85.5557% | 2,544 |
| Equity capital to assets | 8.3595% | 4,550 |
| Core capital (leverage) ratio | 8.5643% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2108% | 2,164 |
| Memoranda: | ||
| Average total assets | $296,775,400 | 2,305 |
| Average earning assets | $285,375,800 | 2,259 |
| Average equity | $27,711,800 | 2,617 |
| Average total loans | $215,825,200 | 2,133 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 1,049 |
| Cost of funding earning assets | 0.5148% | 3,141 |
| Net interest margin | 4.1939% | 745 |
| Noninterest income to average assets | -0.2368% | 5,016 |
| Noninterest expense to average assets | 3.3534% | 844 |
| Loan and lease loss provision to assets | -0.1319% | 5,004 |
| Net operating income to assets | 0.5733% | 3,851 |
| Return on assets (ROA) | 0.6527% | 3,721 |
| Pretax return on assets | 0.6527% | 4,001 |
| Return on Equity (ROE) | 6.7670% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.7670% | 1,791 |
| Net charge-offs to loans | -0.1945% | 4,924 |
| Credit loss provision to net charge-offs | 91.1765% | 2,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3672% | 406 |
| Assets per employee ($millions) | 6.6296% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,665 |
| Loan loss allowance to noncurrent loans | 92.4691% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 732 |
| Noncurrent loans to loans | 1.2976% | 1,138 |
| Net loans and leases to total assets | 74.4200% | 1,322 |
| Net loans and leases to deposits | 88.3594% | 1,445 |
| Net loans and leases to core deposits | 91.2385% | 1,862 |
| Total domestic deposits to total assets | 84.2241% | 2,743 |
| Equity capital to assets | 8.5212% | 4,449 |
| Core capital (leverage) ratio | 8.7976% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,091,500 | 2,365 |
| Average earning assets | $271,180,500 | 2,321 |
| Average equity | $27,210,000 | 2,649 |
| Average total loans | $209,777,500 | 2,166 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 808 |
| Cost of funding earning assets | 0.5667% | 3,144 |
| Net interest margin | 4.4440% | 562 |
| Noninterest income to average assets | -0.3403% | 5,047 |
| Noninterest expense to average assets | 3.5870% | 668 |
| Loan and lease loss provision to assets | -0.2101% | 5,043 |
| Net operating income to assets | 0.5399% | 3,909 |
| Return on assets (ROA) | 0.6663% | 3,610 |
| Pretax return on assets | 0.6663% | 3,938 |
| Return on Equity (ROE) | 6.5886% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.5886% | 1,831 |
| Net charge-offs to loans | -0.3064% | 4,979 |
| Credit loss provision to net charge-offs | 92.6910% | 2,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5802% | 354 |
| Assets per employee ($millions) | 6.4318% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,300 |
| Loan loss allowance to noncurrent loans | 90.1718% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 663 |
| Noncurrent loans to loans | 1.3765% | 1,122 |
| Net loans and leases to total assets | 75.5141% | 1,203 |
| Net loans and leases to deposits | 88.5253% | 1,500 |
| Net loans and leases to core deposits | 90.7278% | 2,015 |
| Total domestic deposits to total assets | 85.3022% | 2,269 |
| Equity capital to assets | 8.7785% | 4,286 |
| Core capital (leverage) ratio | 9.2191% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,628,333 | 2,437 |
| Average earning assets | $254,452,667 | 2,386 |
| Average equity | $26,864,667 | 2,656 |
| Average total loans | $196,475,333 | 2,242 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 1,133 |
| Cost of funding earning assets | 0.6900% | 2,973 |
| Net interest margin | 4.2338% | 859 |
| Noninterest income to average assets | 0.0133% | 5,039 |
| Noninterest expense to average assets | 3.9923% | 514 |
| Loan and lease loss provision to assets | -0.4633% | 5,098 |
| Net operating income to assets | 0.5198% | 3,843 |
| Return on assets (ROA) | 0.7207% | 3,285 |
| Pretax return on assets | 0.7207% | 3,624 |
| Return on Equity (ROE) | 6.5599% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.5599% | 1,692 |
| Net charge-offs to loans | -0.6612% | 5,039 |
| Credit loss provision to net charge-offs | 96.8750% | 1,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6054% | 266 |
| Assets per employee ($millions) | 5.1869% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 869 |
| Loan loss allowance to noncurrent loans | 72.0193% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 2.5728% | 260 |
| Noncurrent loans to loans | 2.3700% | 522 |
| Net loans and leases to total assets | 70.3460% | 2,196 |
| Net loans and leases to deposits | 80.5862% | 2,620 |
| Net loans and leases to core deposits | 85.1196% | 2,749 |
| Total domestic deposits to total assets | 87.2929% | 1,429 |
| Equity capital to assets | 11.0040% | 2,848 |
| Core capital (leverage) ratio | 11.1180% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8658% | 1,951 |
| Memoranda: | ||
| Average total assets | $240,864,000 | 2,549 |
| Average earning assets | $229,580,500 | 2,501 |
| Average equity | $26,464,000 | 2,677 |
| Average total loans | $174,223,500 | 2,426 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3685% | 714 |
| Cost of funding earning assets | 0.7654% | 2,848 |
| Net interest margin | 4.6030% | 568 |
| Noninterest income to average assets | 0.2146% | 4,380 |
| Noninterest expense to average assets | 3.7153% | 751 |
| Loan and lease loss provision to assets | -0.0659% | 5,035 |
| Net operating income to assets | 0.9270% | 3,103 |
| Return on assets (ROA) | 0.9261% | 3,183 |
| Pretax return on assets | 0.9261% | 3,661 |
| Return on Equity (ROE) | 8.5453% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.5453% | 819 |
| Net charge-offs to loans | -0.1476% | 5,016 |
| Credit loss provision to net charge-offs | 58.1749% | 3,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1847% | 859 |
| Assets per employee ($millions) | 4.9571% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 783 |
| Loan loss allowance to noncurrent loans | 68.7746% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 2.7578% | 207 |
| Noncurrent loans to loans | 2.4814% | 438 |
| Net loans and leases to total assets | 71.8689% | 2,111 |
| Net loans and leases to deposits | 82.4055% | 2,506 |
| Net loans and leases to core deposits | 86.9968% | 2,709 |
| Total domestic deposits to total assets | 87.2137% | 1,511 |
| Equity capital to assets | 10.9699% | 3,027 |
| Core capital (leverage) ratio | 11.0669% | 2,443 |
| Tier 1 risk-based capital ratio | 13.7145% | 3,407 |
| Total risk-based capital ratio | 14.9686% | 3,308 |
| Memoranda: | ||
| Average total assets | $232,042,800 | 2,561 |
| Average earning assets | $219,877,200 | 2,535 |
| Average equity | $25,148,200 | 2,707 |
| Average total loans | $178,139,600 | 2,338 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 723 |
| Cost of funding earning assets | 0.7604% | 2,918 |
| Net interest margin | 4.6269% | 582 |
| Noninterest income to average assets | 0.2076% | 4,477 |
| Noninterest expense to average assets | 3.6888% | 761 |
| Loan and lease loss provision to assets | -0.0457% | 5,118 |
| Net operating income to assets | 0.9524% | 3,154 |
| Return on assets (ROA) | 0.9495% | 3,242 |
| Pretax return on assets | 0.9495% | 3,741 |
| Return on Equity (ROE) | 8.7888% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.7888% | 1,105 |
| Net charge-offs to loans | -0.1228% | 5,031 |
| Credit loss provision to net charge-offs | 47.8788% | 2,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2693% | 900 |
| Assets per employee ($millions) | 5.2378% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 897 |
| Loan loss allowance to noncurrent loans | 48.4216% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 3.3765% | 152 |
| Noncurrent loans to loans | 3.4146% | 247 |
| Net loans and leases to total assets | 69.6765% | 2,523 |
| Net loans and leases to deposits | 79.2532% | 2,980 |
| Net loans and leases to core deposits | 83.6369% | 3,127 |
| Total domestic deposits to total assets | 87.9162% | 1,068 |
| Equity capital to assets | 10.2728% | 3,751 |
| Core capital (leverage) ratio | 11.0586% | 2,594 |
| Tier 1 risk-based capital ratio | 12.9695% | 3,863 |
| Total risk-based capital ratio | 14.2228% | 3,763 |
| Memoranda: | ||
| Average total assets | $230,567,750 | 2,600 |
| Average earning assets | $218,656,500 | 2,563 |
| Average equity | $24,909,750 | 2,741 |
| Average total loans | $179,180,500 | 2,353 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 523 |
| Cost of funding earning assets | 0.7401% | 2,946 |
| Net interest margin | 4.8034% | 401 |
| Noninterest income to average assets | 0.2048% | 4,524 |
| Noninterest expense to average assets | 3.7975% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9641% | 3,045 |
| Return on assets (ROA) | 0.9641% | 3,121 |
| Pretax return on assets | 0.9641% | 3,670 |
| Return on Equity (ROE) | 8.7628% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.7628% | 1,106 |
| Net charge-offs to loans | -0.0680% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7521% | 985 |
| Assets per employee ($millions) | 4.8732% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 960 |
| Loan loss allowance to noncurrent loans | 76.8219% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.6775% | 259 |
| Noncurrent loans to loans | 2.1238% | 646 |
| Net loans and leases to total assets | 75.2635% | 1,674 |
| Net loans and leases to deposits | 86.2885% | 2,223 |
| Net loans and leases to core deposits | 92.7170% | 2,346 |
| Total domestic deposits to total assets | 87.2230% | 1,482 |
| Equity capital to assets | 10.8215% | 3,250 |
| Core capital (leverage) ratio | 10.7254% | 2,873 |
| Tier 1 risk-based capital ratio | 13.1569% | 3,754 |
| Total risk-based capital ratio | 14.4108% | 3,664 |
| Memoranda: | ||
| Average total assets | $223,619,670 | 2,659 |
| Average earning assets | $212,140,000 | 2,620 |
| Average equity | $24,604,000 | 2,758 |
| Average total loans | $179,534,000 | 2,345 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 583 |
| Cost of funding earning assets | 0.6209% | 3,457 |
| Net interest margin | 4.8126% | 396 |
| Noninterest income to average assets | 0.1300% | 4,950 |
| Noninterest expense to average assets | 3.9675% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7324% | 3,830 |
| Return on assets (ROA) | 0.7324% | 3,882 |
| Pretax return on assets | 0.7324% | 4,220 |
| Return on Equity (ROE) | 6.5981% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.5981% | 2,202 |
| Net charge-offs to loans | -0.0534% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4176% | 679 |
| Assets per employee ($millions) | 4.8005% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,124 |
| Loan loss allowance to noncurrent loans | 74.4384% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.8242% | 233 |
| Noncurrent loans to loans | 2.1112% | 690 |
| Net loans and leases to total assets | 80.0300% | 830 |
| Net loans and leases to deposits | 91.8953% | 1,413 |
| Net loans and leases to core deposits | 96.0304% | 1,925 |
| Total domestic deposits to total assets | 87.0883% | 1,764 |
| Equity capital to assets | 10.8490% | 2,999 |
| Core capital (leverage) ratio | 11.2967% | 2,294 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,111 |
| Total risk-based capital ratio | 13.8428% | 3,988 |
| Memoranda: | ||
| Average total assets | $218,473,000 | 2,734 |
| Average earning assets | $207,456,500 | 2,695 |
| Average equity | $24,249,500 | 2,784 |
| Average total loans | $179,815,500 | 2,372 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 440 |
| Cost of funding earning assets | 0.4573% | 3,629 |
| Net interest margin | 4.9956% | 265 |
| Noninterest income to average assets | 0.2117% | 4,640 |
| Noninterest expense to average assets | 4.1280% | 448 |
| Loan and lease loss provision to assets | -0.1498% | 5,300 |
| Net operating income to assets | 0.9592% | 3,181 |
| Return on assets (ROA) | 0.9592% | 3,181 |
| Pretax return on assets | 0.9517% | 3,753 |
| Return on Equity (ROE) | 8.3387% | 3,305 |
| Retained earnings to average equity (ytd only) | 8.3387% | 1,103 |
| Net charge-offs to loans | -0.1740% | 5,249 |
| Credit loss provision to net charge-offs | 102.7397% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7334% | 670 |
| Assets per employee ($millions) | 4.8028% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 979 |
| Loan loss allowance to noncurrent loans | 71.9245% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 3.0716% | 199 |
| Noncurrent loans to loans | 2.2562% | 568 |
| Net loans and leases to total assets | 82.0180% | 644 |
| Net loans and leases to deposits | 98.2785% | 875 |
| Net loans and leases to core deposits | 103.9082% | 1,423 |
| Total domestic deposits to total assets | 83.4546% | 3,172 |
| Equity capital to assets | 11.3670% | 2,353 |
| Core capital (leverage) ratio | 11.6119% | 2,014 |
| Tier 1 risk-based capital ratio | 13.2102% | 3,718 |
| Total risk-based capital ratio | 14.4649% | 3,602 |
| Memoranda: | ||
| Average total assets | $200,264,200 | 2,867 |
| Average earning assets | $189,146,200 | 2,836 |
| Average equity | $23,037,200 | 2,815 |
| Average total loans | $167,804,400 | 2,459 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4392% | 410 |
| Cost of funding earning assets | 0.4098% | 3,790 |
| Net interest margin | 5.0294% | 255 |
| Noninterest income to average assets | 0.2336% | 4,576 |
| Noninterest expense to average assets | 4.1619% | 418 |
| Loan and lease loss provision to assets | -0.2025% | 5,400 |
| Net operating income to assets | 1.0234% | 2,993 |
| Return on assets (ROA) | 1.0234% | 3,004 |
| Pretax return on assets | 1.0133% | 3,679 |
| Return on Equity (ROE) | 8.8687% | 3,142 |
| Retained earnings to average equity (ytd only) | 8.8687% | 1,275 |
| Net charge-offs to loans | -0.2148% | 5,313 |
| Credit loss provision to net charge-offs | 112.3596% | 2,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6954% | 661 |
| Assets per employee ($millions) | 4.6203% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 997 |
| Loan loss allowance to noncurrent loans | 70.3501% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 3.1677% | 217 |
| Noncurrent loans to loans | 2.3247% | 583 |
| Net loans and leases to total assets | 81.9535% | 723 |
| Net loans and leases to deposits | 94.3801% | 1,338 |
| Net loans and leases to core deposits | 99.7319% | 1,814 |
| Total domestic deposits to total assets | 86.8334% | 1,806 |
| Equity capital to assets | 11.3028% | 2,393 |
| Core capital (leverage) ratio | 11.3674% | 2,274 |
| Tier 1 risk-based capital ratio | 13.3451% | 3,710 |
| Total risk-based capital ratio | 14.5999% | 3,629 |
| Memoranda: | ||
| Average total assets | $197,499,750 | 2,920 |
| Average earning assets | $186,101,500 | 2,886 |
| Average equity | $22,791,250 | 2,845 |
| Average total loans | $165,710,250 | 2,493 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 354 |
| Cost of funding earning assets | 0.3356% | 4,164 |
| Net interest margin | 5.1081% | 203 |
| Noninterest income to average assets | 0.2422% | 4,563 |
| Noninterest expense to average assets | 3.8963% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1462% | 2,406 |
| Return on assets (ROA) | 1.1462% | 2,410 |
| Pretax return on assets | 1.1308% | 3,191 |
| Return on Equity (ROE) | 9.8603% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.8603% | 961 |
| Net charge-offs to loans | -0.1373% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5067% | 1,248 |
| Assets per employee ($millions) | 4.4184% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 824 |
| Loan loss allowance to noncurrent loans | 72.9187% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.3411% | 199 |
| Noncurrent loans to loans | 2.3982% | 553 |
| Net loans and leases to total assets | 84.1492% | 446 |
| Net loans and leases to deposits | 101.4756% | 699 |
| Net loans and leases to core deposits | 105.5476% | 1,271 |
| Total domestic deposits to total assets | 82.9255% | 3,428 |
| Equity capital to assets | 11.6386% | 2,100 |
| Core capital (leverage) ratio | 11.8615% | 1,795 |
| Tier 1 risk-based capital ratio | 13.3055% | 3,729 |
| Total risk-based capital ratio | 14.5617% | 3,650 |
| Memoranda: | ||
| Average total assets | $194,028,670 | 2,959 |
| Average earning assets | $181,752,000 | 2,944 |
| Average equity | $22,555,000 | 2,877 |
| Average total loans | $163,205,330 | 2,522 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 736 |
| Cost of funding earning assets | 0.3060% | 4,309 |
| Net interest margin | 4.6671% | 432 |
| Noninterest income to average assets | 0.3235% | 3,990 |
| Noninterest expense to average assets | 3.8387% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8788% | 3,374 |
| Return on assets (ROA) | 0.8788% | 3,391 |
| Pretax return on assets | 0.8788% | 3,912 |
| Return on Equity (ROE) | 7.5645% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.5645% | 2,007 |
| Net charge-offs to loans | -0.0977% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3717% | 1,012 |
| Assets per employee ($millions) | 4.4027% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 755 |
| Loan loss allowance to noncurrent loans | 61.2434% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.8128% | 174 |
| Noncurrent loans to loans | 2.9692% | 407 |
| Net loans and leases to total assets | 80.9965% | 789 |
| Net loans and leases to deposits | 93.6047% | 1,265 |
| Net loans and leases to core deposits | 96.0362% | 1,971 |
| Total domestic deposits to total assets | 86.5304% | 2,302 |
| Equity capital to assets | 11.5978% | 2,061 |
| Core capital (leverage) ratio | 11.9480% | 1,678 |
| Tier 1 risk-based capital ratio | 13.8470% | 3,466 |
| Total risk-based capital ratio | 15.1043% | 3,375 |
| Memoranda: | ||
| Average total assets | $191,628,500 | 3,019 |
| Average earning assets | $180,412,500 | 2,986 |
| Average equity | $22,262,000 | 2,937 |
| Average total loans | $159,662,500 | 2,573 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 743 |
| Cost of funding earning assets | 0.2839% | 4,282 |
| Net interest margin | 4.6482% | 452 |
| Noninterest income to average assets | 0.2918% | 4,373 |
| Noninterest expense to average assets | 4.0982% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5445% | 4,244 |
| Return on assets (ROA) | 0.5445% | 4,274 |
| Pretax return on assets | 0.5526% | 4,843 |
| Return on Equity (ROE) | 5.7044% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.7044% | 1,705 |
| Net charge-offs to loans | -0.0548% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1175% | 527 |
| Assets per employee ($millions) | 4.5129% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 783 |
| Loan loss allowance to noncurrent loans | 60.1343% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.9891% | 150 |
| Noncurrent loans to loans | 2.9878% | 375 |
| Net loans and leases to total assets | 82.6469% | 603 |
| Net loans and leases to deposits | 96.5253% | 1,038 |
| Net loans and leases to core deposits | 98.6461% | 1,815 |
| Total domestic deposits to total assets | 85.6220% | 2,604 |
| Equity capital to assets | 11.6371% | 2,089 |
| Core capital (leverage) ratio | 11.8015% | 1,724 |
| Tier 1 risk-based capital ratio | 13.6046% | 3,570 |
| Total risk-based capital ratio | 14.8616% | 3,486 |
| Memoranda: | ||
| Average total assets | $183,664,400 | 3,077 |
| Average earning assets | $172,237,200 | 3,044 |
| Average equity | $17,530,200 | 3,425 |
| Average total loans | $153,289,200 | 2,619 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 766 |
| Cost of funding earning assets | 0.2838% | 4,279 |
| Net interest margin | 4.6122% | 477 |
| Noninterest income to average assets | 0.3908% | 3,750 |
| Noninterest expense to average assets | 4.1544% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5452% | 4,594 |
| Return on assets (ROA) | 0.5452% | 4,629 |
| Pretax return on assets | 0.5532% | 4,924 |
| Return on Equity (ROE) | 6.0573% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.0573% | 2,193 |
| Net charge-offs to loans | -0.1072% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2481% | 494 |
| Assets per employee ($millions) | 3.8967% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8420% | 786 |
| Loan loss allowance to noncurrent loans | 60.1242% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 4.4314% | 137 |
| Noncurrent loans to loans | 3.0637% | 401 |
| Net loans and leases to total assets | 84.4960% | 387 |
| Net loans and leases to deposits | 99.7023% | 761 |
| Net loans and leases to core deposits | 102.0038% | 1,546 |
| Total domestic deposits to total assets | 84.7482% | 2,818 |
| Equity capital to assets | 11.9287% | 2,016 |
| Core capital (leverage) ratio | 11.9469% | 1,723 |
| Tier 1 risk-based capital ratio | 13.4703% | 3,723 |
| Total risk-based capital ratio | 14.7276% | 3,631 |
| Memoranda: | ||
| Average total assets | $182,195,500 | 3,116 |
| Average earning assets | $170,528,000 | 3,095 |
| Average equity | $16,398,500 | 3,580 |
| Average total loans | $151,732,750 | 2,656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 946 |
| Cost of funding earning assets | 0.2828% | 4,260 |
| Net interest margin | 4.4790% | 594 |
| Noninterest income to average assets | 0.5278% | 2,843 |
| Noninterest expense to average assets | 4.2017% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5322% | 4,603 |
| Return on assets (ROA) | 0.5322% | 4,636 |
| Pretax return on assets | 0.5410% | 4,929 |
| Return on Equity (ROE) | 6.6382% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.6382% | 1,776 |
| Net charge-offs to loans | -0.0467% | 5,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5926% | 522 |
| Assets per employee ($millions) | 3.9690% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8858% | 742 |
| Loan loss allowance to noncurrent loans | 58.0227% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 4.6304% | 124 |
| Noncurrent loans to loans | 3.2501% | 375 |
| Net loans and leases to total assets | 80.2766% | 915 |
| Net loans and leases to deposits | 94.0599% | 1,254 |
| Net loans and leases to core deposits | 96.2173% | 1,961 |
| Total domestic deposits to total assets | 85.3463% | 2,672 |
| Equity capital to assets | 11.1089% | 2,694 |
| Core capital (leverage) ratio | 11.1680% | 2,259 |
| Tier 1 risk-based capital ratio | 13.1102% | 3,940 |
| Total risk-based capital ratio | 14.3681% | 3,841 |
| Memoranda: | ||
| Average total assets | $181,878,670 | 3,133 |
| Average earning assets | $171,154,670 | 3,095 |
| Average equity | $14,582,330 | 3,814 |
| Average total loans | $149,758,670 | 2,680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 840 |
| Cost of funding earning assets | 0.2863% | 4,179 |
| Net interest margin | 4.4686% | 555 |
| Noninterest income to average assets | 0.7404% | 1,780 |
| Noninterest expense to average assets | 4.2704% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6655% | 3,853 |
| Return on assets (ROA) | 0.6655% | 3,894 |
| Pretax return on assets | 0.6655% | 4,542 |
| Return on Equity (ROE) | 10.2962% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.2962% | 748 |
| Net charge-offs to loans | -0.0614% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5179% | 760 |
| Assets per employee ($millions) | 4.1937% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 824 |
| Loan loss allowance to noncurrent loans | 54.7852% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 5.0478% | 117 |
| Noncurrent loans to loans | 3.4229% | 366 |
| Net loans and leases to total assets | 77.7767% | 1,165 |
| Net loans and leases to deposits | 85.8385% | 2,047 |
| Net loans and leases to core deposits | 88.0882% | 2,538 |
| Total domestic deposits to total assets | 90.6081% | 424 |
| Equity capital to assets | 6.3005% | 5,799 |
| Core capital (leverage) ratio | 6.7014% | 5,780 |
| Tier 1 risk-based capital ratio | 7.6434% | 5,831 |
| Total risk-based capital ratio | 8.9009% | 5,830 |
| Memoranda: | ||
| Average total assets | $181,530,500 | 3,170 |
| Average earning assets | $170,435,500 | 3,129 |
| Average equity | $11,732,500 | 4,261 |
| Average total loans | $149,947,000 | 2,701 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 824 |
| Cost of funding earning assets | 0.2999% | 4,063 |
| Net interest margin | 4.5384% | 568 |
| Noninterest income to average assets | 0.1582% | 5,420 |
| Noninterest expense to average assets | 4.3531% | 428 |
| Loan and lease loss provision to assets | -0.2300% | 5,799 |
| Net operating income to assets | 0.3083% | 5,201 |
| Return on assets (ROA) | 0.3083% | 5,266 |
| Pretax return on assets | 0.3083% | 5,353 |
| Return on Equity (ROE) | 4.7913% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.7913% | 2,482 |
| Net charge-offs to loans | 0.0437% | 3,159 |
| Credit loss provision to net charge-offs | -634.9206% | 5,216 |
| Earnings coverage of net charge-offs (x) | 2.1587% | 3,877 |
| Efficiency ratio | 98.2349% | 246 |
| Assets per employee ($millions) | 3.7901% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 873 |
| Loan loss allowance to noncurrent loans | 76.8933% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 4.7395% | 139 |
| Noncurrent loans to loans | 2.4070% | 661 |
| Net loans and leases to total assets | 84.6196% | 329 |
| Net loans and leases to deposits | 93.6217% | 1,236 |
| Net loans and leases to core deposits | 96.6042% | 1,871 |
| Total domestic deposits to total assets | 90.3846% | 484 |
| Equity capital to assets | 6.6391% | 5,827 |
| Core capital (leverage) ratio | 6.7242% | 5,828 |
| Tier 1 risk-based capital ratio | 7.4920% | 5,884 |
| Total risk-based capital ratio | 8.7490% | 5,885 |
| Memoranda: | ||
| Average total assets | $173,877,400 | 3,233 |
| Average earning assets | $163,713,200 | 3,186 |
| Average equity | $11,187,000 | 4,398 |
| Average total loans | $144,200,800 | 2,725 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 895 |
| Cost of funding earning assets | 0.3009% | 4,087 |
| Net interest margin | 4.4990% | 631 |
| Noninterest income to average assets | 0.1335% | 5,585 |
| Noninterest expense to average assets | 4.2855% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0813% | 5,646 |
| Return on assets (ROA) | 0.0813% | 5,688 |
| Pretax return on assets | 0.0813% | 5,693 |
| Return on Equity (ROE) | 1.2744% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.2744% | 5,001 |
| Net charge-offs to loans | 0.0486% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.0385% | 3,624 |
| Efficiency ratio | 98.1374% | 258 |
| Assets per employee ($millions) | 3.8034% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 527 |
| Loan loss allowance to noncurrent loans | 55.3878% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 5.5874% | 113 |
| Noncurrent loans to loans | 3.9627% | 277 |
| Net loans and leases to total assets | 83.1058% | 501 |
| Net loans and leases to deposits | 91.9837% | 1,502 |
| Net loans and leases to core deposits | 94.6619% | 2,134 |
| Total domestic deposits to total assets | 90.3484% | 364 |
| Equity capital to assets | 6.5392% | 5,916 |
| Core capital (leverage) ratio | 6.3974% | 5,910 |
| Tier 1 risk-based capital ratio | 7.3167% | 5,952 |
| Total risk-based capital ratio | 8.5773% | 5,950 |
| Memoranda: | ||
| Average total assets | $173,760,500 | 3,249 |
| Average earning assets | $163,497,500 | 3,200 |
| Average equity | $11,090,000 | 4,456 |
| Average total loans | $142,673,000 | 2,746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 1,067 |
| Cost of funding earning assets | 0.3018% | 4,106 |
| Net interest margin | 4.3882% | 783 |
| Noninterest income to average assets | 0.2004% | 5,299 |
| Noninterest expense to average assets | 4.2696% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0607% | 5,711 |
| Return on assets (ROA) | 0.0607% | 5,746 |
| Pretax return on assets | 0.0607% | 5,752 |
| Return on Equity (ROE) | 0.9588% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.9588% | 5,009 |
| Net charge-offs to loans | 0.1129% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.6625% | 3,498 |
| Efficiency ratio | 98.5983% | 266 |
| Assets per employee ($millions) | 3.7960% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1972% | 545 |
| Loan loss allowance to noncurrent loans | 45.6895% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 6.3310% | 98 |
| Noncurrent loans to loans | 4.8090% | 193 |
| Net loans and leases to total assets | 80.6553% | 801 |
| Net loans and leases to deposits | 88.4288% | 1,926 |
| Net loans and leases to core deposits | 90.8831% | 2,448 |
| Total domestic deposits to total assets | 91.2093% | 153 |
| Equity capital to assets | 6.3814% | 5,995 |
| Core capital (leverage) ratio | 6.3780% | 5,982 |
| Tier 1 risk-based capital ratio | 7.2448% | 6,029 |
| Total risk-based capital ratio | 8.5054% | 6,030 |
| Memoranda: | ||
| Average total assets | $174,629,670 | 3,259 |
| Average earning assets | $164,350,330 | 3,215 |
| Average equity | $11,056,000 | 4,489 |
| Average total loans | $141,754,000 | 2,755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,150 |
| Cost of funding earning assets | 0.3107% | 4,052 |
| Net interest margin | 4.3399% | 848 |
| Noninterest income to average assets | 0.2176% | 5,179 |
| Noninterest expense to average assets | 4.2923% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0527% | 5,737 |
| Return on assets (ROA) | 0.0527% | 5,775 |
| Pretax return on assets | 0.0527% | 5,778 |
| Return on Equity (ROE) | 0.8354% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.8354% | 4,890 |
| Net charge-offs to loans | 0.1422% | 1,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.4600% | 2,928 |
| Efficiency ratio | 98.7876% | 319 |
| Assets per employee ($millions) | 3.9943% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2834% | 523 |
| Loan loss allowance to noncurrent loans | 44.8470% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 6.2066% | 111 |
| Noncurrent loans to loans | 5.0915% | 187 |
| Net loans and leases to total assets | 77.7744% | 1,131 |
| Net loans and leases to deposits | 85.1813% | 2,173 |
| Net loans and leases to core deposits | 87.5301% | 2,609 |
| Total domestic deposits to total assets | 91.3046% | 198 |
| Equity capital to assets | 6.3124% | 6,056 |
| Core capital (leverage) ratio | 6.2761% | 6,049 |
| Tier 1 risk-based capital ratio | 7.4901% | 6,086 |
| Total risk-based capital ratio | 8.7513% | 6,085 |
| Memoranda: | ||
| Average total assets | $174,636,500 | 3,273 |
| Average earning assets | $166,087,500 | 3,197 |
| Average equity | $11,012,500 | 4,503 |
| Average total loans | $140,630,500 | 2,773 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 730 |
| Cost of funding earning assets | 0.3334% | 3,867 |
| Net interest margin | 4.5893% | 556 |
| Noninterest income to average assets | 0.0616% | 5,976 |
| Noninterest expense to average assets | 4.7520% | 343 |
| Loan and lease loss provision to assets | -0.2150% | 5,999 |
| Net operating income to assets | -0.1650% | 5,955 |
| Return on assets (ROA) | -0.1574% | 5,967 |
| Pretax return on assets | -0.1574% | 5,950 |
| Return on Equity (ROE) | -2.8432% | 6,006 |
| Retained earnings to average equity (ytd only) | -2.8432% | 5,811 |
| Net charge-offs to loans | -0.2229% | 5,967 |
| Credit loss provision to net charge-offs | 121.7105% | 2,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6910% | 151 |
| Assets per employee ($millions) | 3.8561% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 517 |
| Loan loss allowance to noncurrent loans | 40.1435% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 6.7235% | 111 |
| Noncurrent loans to loans | 5.7158% | 153 |
| Net loans and leases to total assets | 79.6058% | 900 |
| Net loans and leases to deposits | 87.0916% | 1,987 |
| Net loans and leases to core deposits | 90.4766% | 2,367 |
| Total domestic deposits to total assets | 91.4047% | 197 |
| Equity capital to assets | 6.2994% | 6,108 |
| Core capital (leverage) ratio | 6.3393% | 6,104 |
| Tier 1 risk-based capital ratio | 7.3543% | 6,141 |
| Total risk-based capital ratio | 8.6161% | 6,142 |
| Memoranda: | ||
| Average total assets | $172,118,600 | 3,274 |
| Average earning assets | $161,660,400 | 3,235 |
| Average equity | $9,531,600 | 4,741 |
| Average total loans | $136,405,600 | 2,775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 971 |
| Cost of funding earning assets | 0.3266% | 4,030 |
| Net interest margin | 4.4512% | 721 |
| Noninterest income to average assets | 0.0147% | 6,163 |
| Noninterest expense to average assets | 4.8863% | 301 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.7033% | 6,167 |
| Return on assets (ROA) | -0.7033% | 6,165 |
| Pretax return on assets | -0.7033% | 6,159 |
| Return on Equity (ROE) | -13.1562% | 6,203 |
| Retained earnings to average equity (ytd only) | -13.1562% | 6,165 |
| Net charge-offs to loans | -0.0917% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8120% | 106 |
| Assets per employee ($millions) | 4.0257% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 440 |
| Loan loss allowance to noncurrent loans | 30.5915% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 8.3120% | 74 |
| Noncurrent loans to loans | 8.1444% | 65 |
| Net loans and leases to total assets | 75.1888% | 1,509 |
| Net loans and leases to deposits | 82.8123% | 2,551 |
| Net loans and leases to core deposits | 85.8541% | 2,866 |
| Total domestic deposits to total assets | 90.7943% | 307 |
| Equity capital to assets | 5.8426% | 6,207 |
| Core capital (leverage) ratio | 6.0189% | 6,201 |
| Tier 1 risk-based capital ratio | 7.0212% | 6,233 |
| Total risk-based capital ratio | 8.2844% | 6,232 |
| Memoranda: | ||
| Average total assets | $171,767,000 | 3,302 |
| Average earning assets | $160,850,250 | 3,270 |
| Average equity | $9,181,750 | 4,869 |
| Average total loans | $135,162,000 | 2,817 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 1,008 |
| Cost of funding earning assets | 0.3197% | 4,160 |
| Net interest margin | 4.4179% | 740 |
| Noninterest income to average assets | 0.0600% | 6,143 |
| Noninterest expense to average assets | 5.0971% | 272 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.9236% | 6,254 |
| Return on assets (ROA) | -0.9236% | 6,256 |
| Pretax return on assets | -0.9236% | 6,249 |
| Return on Equity (ROE) | -17.8558% | 6,290 |
| Retained earnings to average equity (ytd only) | -17.8558% | 6,253 |
| Net charge-offs to loans | -0.2153% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1314% | 101 |
| Assets per employee ($millions) | 3.6964% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5502% | 461 |
| Loan loss allowance to noncurrent loans | 29.2524% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 9.3568% | 70 |
| Noncurrent loans to loans | 8.7180% | 68 |
| Net loans and leases to total assets | 77.6447% | 1,116 |
| Net loans and leases to deposits | 85.9464% | 2,062 |
| Net loans and leases to core deposits | 88.5028% | 2,508 |
| Total domestic deposits to total assets | 90.3409% | 521 |
| Equity capital to assets | 5.7647% | 6,278 |
| Core capital (leverage) ratio | 6.0228% | 6,270 |
| Tier 1 risk-based capital ratio | 6.7579% | 6,314 |
| Total risk-based capital ratio | 8.0217% | 6,314 |
| Memoranda: | ||
| Average total assets | $169,979,330 | 3,345 |
| Average earning assets | $158,266,000 | 3,325 |
| Average equity | $8,792,670 | 4,992 |
| Average total loans | $134,687,670 | 2,836 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 914 |
| Cost of funding earning assets | 0.3187% | 4,238 |
| Net interest margin | 4.4471% | 666 |
| Noninterest income to average assets | -0.0071% | 6,349 |
| Noninterest expense to average assets | 5.4369% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.3063% | 6,341 |
| Return on assets (ROA) | -1.3063% | 6,343 |
| Pretax return on assets | -1.3063% | 6,335 |
| Return on Equity (ROE) | -26.7857% | 6,375 |
| Retained earnings to average equity (ytd only) | -26.7857% | 6,325 |
| Net charge-offs to loans | -0.3723% | 6,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6239% | 80 |
| Assets per employee ($millions) | 3.5506% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5700% | 480 |
| Loan loss allowance to noncurrent loans | 31.7350% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 9.4034% | 71 |
| Noncurrent loans to loans | 8.0984% | 98 |
| Net loans and leases to total assets | 78.0346% | 921 |
| Net loans and leases to deposits | 84.1912% | 2,043 |
| Net loans and leases to core deposits | 86.6194% | 2,480 |
| Total domestic deposits to total assets | 92.6874% | 82 |
| Equity capital to assets | 4.8455% | 6,377 |
| Core capital (leverage) ratio | 4.8333% | 6,374 |
| Tier 1 risk-based capital ratio | 5.4794% | 6,395 |
| Total risk-based capital ratio | 6.7431% | 6,395 |
| Memoranda: | ||
| Average total assets | $169,951,000 | 3,365 |
| Average earning assets | $158,127,000 | 3,351 |
| Average equity | $8,288,000 | 5,141 |
| Average total loans | $134,292,000 | 2,841 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 2,070 |
| Cost of funding earning assets | 0.3790% | 3,921 |
| Net interest margin | 4.0714% | 1,677 |
| Noninterest income to average assets | 0.3439% | 4,642 |
| Noninterest expense to average assets | 4.8400% | 351 |
| Loan and lease loss provision to assets | 0.8919% | 135 |
| Net operating income to assets | -1.6194% | 6,436 |
| Return on assets (ROA) | -1.6194% | 6,438 |
| Pretax return on assets | -1.6189% | 6,426 |
| Return on Equity (ROE) | -31.6883% | 6,470 |
| Retained earnings to average equity (ytd only) | -31.6883% | 6,461 |
| Net charge-offs to loans | 2.1753% | 82 |
| Credit loss provision to net charge-offs | 54.6952% | 3,385 |
| Earnings coverage of net charge-offs (x) | -0.4458% | 4,758 |
| Efficiency ratio | 117.6747% | 140 |
| Assets per employee ($millions) | 3.6814% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 593 |
| Loan loss allowance to noncurrent loans | 28.1510% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 9.7390% | 88 |
| Noncurrent loans to loans | 8.7143% | 91 |
| Net loans and leases to total assets | 76.0683% | 1,257 |
| Net loans and leases to deposits | 82.9408% | 2,347 |
| Net loans and leases to core deposits | 85.9816% | 2,690 |
| Total domestic deposits to total assets | 91.7140% | 187 |
| Equity capital to assets | 4.9068% | 6,460 |
| Core capital (leverage) ratio | 4.8157% | 6,463 |
| Tier 1 risk-based capital ratio | 6.6136% | 6,474 |
| Total risk-based capital ratio | 7.8798% | 6,473 |
| Memoranda: | ||
| Average total assets | $186,115,600 | 3,148 |
| Average earning assets | $172,299,600 | 3,130 |
| Average equity | $9,511,400 | 4,861 |
| Average total loans | $139,522,200 | 2,719 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,509 |
| Cost of funding earning assets | 0.3824% | 3,991 |
| Net interest margin | 3.9467% | 2,048 |
| Noninterest income to average assets | 0.2612% | 5,344 |
| Noninterest expense to average assets | 5.0062% | 309 |
| Loan and lease loss provision to assets | 1.0342% | 110 |
| Net operating income to assets | -2.1324% | 6,534 |
| Return on assets (ROA) | -2.1324% | 6,534 |
| Pretax return on assets | -2.1317% | 6,527 |
| Return on Equity (ROE) | -41.3502% | 6,563 |
| Retained earnings to average equity (ytd only) | -41.3502% | 6,560 |
| Net charge-offs to loans | 2.3923% | 68 |
| Credit loss provision to net charge-offs | 58.2013% | 2,969 |
| Earnings coverage of net charge-offs (x) | -0.6177% | 4,509 |
| Efficiency ratio | 128.0800% | 93 |
| Assets per employee ($millions) | 3.6639% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6465% | 530 |
| Loan loss allowance to noncurrent loans | 26.4597% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 10.4456% | 84 |
| Noncurrent loans to loans | 10.0020% | 72 |
| Net loans and leases to total assets | 72.8904% | 1,698 |
| Net loans and leases to deposits | 78.4708% | 2,897 |
| Net loans and leases to core deposits | 81.4255% | 3,158 |
| Total domestic deposits to total assets | 92.8885% | 83 |
| Equity capital to assets | 4.5028% | 6,537 |
| Core capital (leverage) ratio | 4.6395% | 6,539 |
| Tier 1 risk-based capital ratio | 6.6668% | 6,543 |
| Total risk-based capital ratio | 7.9347% | 6,542 |
| Memoranda: | ||
| Average total assets | $189,388,000 | 3,136 |
| Average earning assets | $175,026,000 | 3,126 |
| Average equity | $9,766,750 | 4,835 |
| Average total loans | $140,670,750 | 2,719 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,657 |
| Cost of funding earning assets | 0.3875% | 4,025 |
| Net interest margin | 3.8936% | 2,193 |
| Noninterest income to average assets | 0.3865% | 4,348 |
| Noninterest expense to average assets | 5.5084% | 232 |
| Loan and lease loss provision to assets | 0.0407% | 3,498 |
| Net operating income to assets | -1.5743% | 6,578 |
| Return on assets (ROA) | -1.5743% | 6,576 |
| Pretax return on assets | -1.5732% | 6,565 |
| Return on Equity (ROE) | -29.3400% | 6,608 |
| Retained earnings to average equity (ytd only) | -29.3400% | 6,586 |
| Net charge-offs to loans | 0.9927% | 358 |
| Credit loss provision to net charge-offs | 5.5398% | 3,353 |
| Earnings coverage of net charge-offs (x) | -2.0838% | 4,243 |
| Efficiency ratio | 138.5444% | 70 |
| Assets per employee ($millions) | 3.4521% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9009% | 431 |
| Loan loss allowance to noncurrent loans | 32.2581% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 9.2610% | 109 |
| Noncurrent loans to loans | 8.9927% | 96 |
| Net loans and leases to total assets | 72.1821% | 1,710 |
| Net loans and leases to deposits | 77.9686% | 2,806 |
| Net loans and leases to core deposits | 80.9426% | 3,105 |
| Total domestic deposits to total assets | 92.5784% | 112 |
| Equity capital to assets | 5.1911% | 6,578 |
| Core capital (leverage) ratio | 5.4206% | 6,567 |
| Tier 1 risk-based capital ratio | 7.9542% | 6,571 |
| Total risk-based capital ratio | 9.2283% | 6,572 |
| Memoranda: | ||
| Average total assets | $191,451,670 | 3,132 |
| Average earning assets | $176,496,670 | 3,121 |
| Average equity | $10,272,670 | 4,747 |
| Average total loans | $141,840,000 | 2,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,457 |
| Cost of funding earning assets | 0.4003% | 3,965 |
| Net interest margin | 3.9173% | 2,027 |
| Noninterest income to average assets | 0.1299% | 6,200 |
| Noninterest expense to average assets | 4.9183% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2167% | 6,605 |
| Return on assets (ROA) | -1.2167% | 6,601 |
| Pretax return on assets | -1.2167% | 6,591 |
| Return on Equity (ROE) | -22.3263% | 6,638 |
| Retained earnings to average equity (ytd only) | -22.3263% | 6,554 |
| Net charge-offs to loans | -0.1478% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.8691% | 108 |
| Assets per employee ($millions) | 3.5872% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3142% | 318 |
| Loan loss allowance to noncurrent loans | 34.6320% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 10.2940% | 110 |
| Noncurrent loans to loans | 9.5697% | 110 |
| Net loans and leases to total assets | 72.7026% | 1,463 |
| Net loans and leases to deposits | 78.6762% | 2,465 |
| Net loans and leases to core deposits | 81.6125% | 2,777 |
| Total domestic deposits to total assets | 92.4075% | 179 |
| Equity capital to assets | 5.4392% | 6,609 |
| Core capital (leverage) ratio | 5.6948% | 6,614 |
| Tier 1 risk-based capital ratio | 7.9923% | 6,626 |
| Total risk-based capital ratio | 9.2689% | 6,627 |
| Memoranda: | ||
| Average total assets | $193,969,500 | 3,121 |
| Average earning assets | $176,857,500 | 3,139 |
| Average equity | $10,570,500 | 4,710 |
| Average total loans | $143,470,500 | 2,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 1,365 |
| Cost of funding earning assets | 0.4503% | 4,108 |
| Net interest margin | 4.3310% | 1,032 |
| Noninterest income to average assets | -0.2680% | 6,774 |
| Noninterest expense to average assets | 4.6801% | 452 |
| Loan and lease loss provision to assets | 3.1182% | 17 |
| Net operating income to assets | -4.1594% | 6,790 |
| Return on assets (ROA) | -4.1594% | 6,790 |
| Pretax return on assets | -4.1626% | 6,789 |
| Return on Equity (ROE) | -50.7783% | 6,774 |
| Retained earnings to average equity (ytd only) | -50.7783% | 6,771 |
| Net charge-offs to loans | 3.8978% | 40 |
| Credit loss provision to net charge-offs | 107.6313% | 2,228 |
| Earnings coverage of net charge-offs (x) | -0.3605% | 5,175 |
| Efficiency ratio | 128.7231% | 131 |
| Assets per employee ($millions) | 3.7324% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2539% | 350 |
| Loan loss allowance to noncurrent loans | 32.3483% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 10.4298% | 118 |
| Noncurrent loans to loans | 10.0590% | 110 |
| Net loans and leases to total assets | 70.4157% | 1,952 |
| Net loans and leases to deposits | 76.1958% | 2,943 |
| Net loans and leases to core deposits | 79.1453% | 3,224 |
| Total domestic deposits to total assets | 92.4142% | 210 |
| Equity capital to assets | 5.4596% | 6,657 |
| Core capital (leverage) ratio | 5.5481% | 6,684 |
| Tier 1 risk-based capital ratio | 8.8183% | 6,669 |
| Total risk-based capital ratio | 10.0967% | 6,663 |
| Memoranda: | ||
| Average total assets | $217,558,000 | 2,831 |
| Average earning assets | $196,097,200 | 2,874 |
| Average equity | $17,820,600 | 3,445 |
| Average total loans | $161,705,600 | 2,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,233 |
| Cost of funding earning assets | 0.4557% | 4,208 |
| Net interest margin | 4.3972% | 898 |
| Noninterest income to average assets | 0.2924% | 5,360 |
| Noninterest expense to average assets | 4.2787% | 647 |
| Loan and lease loss provision to assets | 1.0691% | 148 |
| Net operating income to assets | -1.1020% | 6,720 |
| Return on assets (ROA) | -1.1020% | 6,719 |
| Pretax return on assets | -1.1062% | 6,711 |
| Return on Equity (ROE) | -12.5254% | 6,713 |
| Retained earnings to average equity (ytd only) | -12.5254% | 6,676 |
| Net charge-offs to loans | 1.1918% | 454 |
| Credit loss provision to net charge-offs | 120.1347% | 1,961 |
| Earnings coverage of net charge-offs (x) | -0.0417% | 4,864 |
| Efficiency ratio | 100.8760% | 436 |
| Assets per employee ($millions) | 4.2665% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9207% | 604 |
| Loan loss allowance to noncurrent loans | 138.5965% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 5.2893% | 513 |
| Noncurrent loans to loans | 2.1073% | 2,121 |
| Net loans and leases to total assets | 68.7872% | 2,181 |
| Net loans and leases to deposits | 77.3110% | 2,772 |
| Net loans and leases to core deposits | 80.7438% | 3,040 |
| Total domestic deposits to total assets | 88.9747% | 1,565 |
| Equity capital to assets | 8.3147% | 5,905 |
| Core capital (leverage) ratio | 8.4085% | 5,853 |
| Tier 1 risk-based capital ratio | 12.8484% | 5,226 |
| Total risk-based capital ratio | 14.1227% | 5,150 |
| Memoranda: | ||
| Average total assets | $222,493,000 | 2,809 |
| Average earning assets | $199,817,500 | 2,855 |
| Average equity | $19,575,750 | 3,235 |
| Average total loans | $166,137,000 | 2,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 945 |
| Cost of funding earning assets | 0.4606% | 4,301 |
| Net interest margin | 4.5158% | 692 |
| Noninterest income to average assets | 0.4426% | 4,225 |
| Noninterest expense to average assets | 4.2360% | 668 |
| Loan and lease loss provision to assets | 1.0262% | 179 |
| Net operating income to assets | -0.7630% | 6,708 |
| Return on assets (ROA) | -0.7630% | 6,715 |
| Pretax return on assets | -0.7692% | 6,701 |
| Return on Equity (ROE) | -8.5200% | 6,714 |
| Retained earnings to average equity (ytd only) | -8.5200% | 6,626 |
| Net charge-offs to loans | 1.1486% | 513 |
| Credit loss provision to net charge-offs | 117.7073% | 1,884 |
| Earnings coverage of net charge-offs (x) | 0.2948% | 4,446 |
| Efficiency ratio | 94.2800% | 754 |
| Assets per employee ($millions) | 4.1903% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6783% | 803 |
| Loan loss allowance to noncurrent loans | 102.4339% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 5.5605% | 520 |
| Noncurrent loans to loans | 2.6146% | 1,753 |
| Net loans and leases to total assets | 71.6170% | 1,636 |
| Net loans and leases to deposits | 80.5109% | 2,252 |
| Net loans and leases to core deposits | 84.1196% | 2,548 |
| Total domestic deposits to total assets | 88.9533% | 1,654 |
| Equity capital to assets | 8.8120% | 5,431 |
| Core capital (leverage) ratio | 8.8944% | 5,153 |
| Tier 1 risk-based capital ratio | 12.9318% | 5,193 |
| Total risk-based capital ratio | 14.2016% | 5,114 |
| Memoranda: | ||
| Average total assets | $224,127,330 | 2,801 |
| Average earning assets | $201,027,000 | 2,857 |
| Average equity | $20,070,330 | 3,199 |
| Average total loans | $170,123,670 | 2,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 1,309 |
| Cost of funding earning assets | 0.4596% | 4,490 |
| Net interest margin | 4.3306% | 907 |
| Noninterest income to average assets | 0.5472% | 3,461 |
| Noninterest expense to average assets | 4.1661% | 740 |
| Loan and lease loss provision to assets | 1.7855% | 68 |
| Net operating income to assets | -1.5208% | 6,886 |
| Return on assets (ROA) | -1.5208% | 6,890 |
| Pretax return on assets | -1.5208% | 6,880 |
| Return on Equity (ROE) | -16.8500% | 6,880 |
| Retained earnings to average equity (ytd only) | -16.8500% | 6,786 |
| Net charge-offs to loans | 1.1414% | 521 |
| Credit loss provision to net charge-offs | 203.0303% | 1,073 |
| Earnings coverage of net charge-offs (x) | 0.3010% | 3,709 |
| Efficiency ratio | 94.0257% | 836 |
| Assets per employee ($millions) | 4.3479% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7346% | 877 |
| Loan loss allowance to noncurrent loans | 60.5913% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 6.8175% | 421 |
| Noncurrent loans to loans | 4.5133% | 918 |
| Net loans and leases to total assets | 74.1584% | 1,053 |
| Net loans and leases to deposits | 84.2391% | 1,566 |
| Net loans and leases to core deposits | 88.2565% | 1,880 |
| Total domestic deposits to total assets | 88.0332% | 2,287 |
| Equity capital to assets | 8.7973% | 5,714 |
| Core capital (leverage) ratio | 8.8063% | 5,180 |
| Tier 1 risk-based capital ratio | 12.6127% | 5,511 |
| Total risk-based capital ratio | 13.8840% | 5,440 |
| Memoranda: | ||
| Average total assets | $225,149,000 | 2,820 |
| Average earning assets | $201,913,000 | 2,877 |
| Average equity | $20,320,500 | 3,214 |
| Average total loans | $173,472,000 | 2,288 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,304 |
| Cost of funding earning assets | 0.6040% | 4,312 |
| Net interest margin | 4.1693% | 1,743 |
| Noninterest income to average assets | -0.2157% | 6,970 |
| Noninterest expense to average assets | 3.8226% | 1,218 |
| Loan and lease loss provision to assets | 1.4361% | 228 |
| Net operating income to assets | -1.2198% | 6,800 |
| Return on assets (ROA) | -1.2093% | 6,811 |
| Pretax return on assets | -1.7428% | 6,900 |
| Return on Equity (ROE) | -13.4965% | 6,802 |
| Retained earnings to average equity (ytd only) | -13.7905% | 6,748 |
| Net charge-offs to loans | 1.0445% | 1,030 |
| Credit loss provision to net charge-offs | 187.9849% | 1,389 |
| Earnings coverage of net charge-offs (x) | -0.4213% | 5,649 |
| Efficiency ratio | 109.1946% | 345 |
| Assets per employee ($millions) | 4.0765% | 3,796 |
| Cash dividends to net income (ytd only)* | -2.1784% | 7,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4083% | 1,220 |
| Loan loss allowance to noncurrent loans | 58.3808% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 6.8781% | 454 |
| Noncurrent loans to loans | 4.1252% | 1,118 |
| Net loans and leases to total assets | 75.9836% | 914 |
| Net loans and leases to deposits | 85.4641% | 1,584 |
| Net loans and leases to core deposits | 88.9427% | 1,975 |
| Total domestic deposits to total assets | 88.9070% | 1,632 |
| Equity capital to assets | 9.2554% | 5,203 |
| Core capital (leverage) ratio | 9.2651% | 4,480 |
| Tier 1 risk-based capital ratio | 12.8639% | 5,206 |
| Total risk-based capital ratio | 14.1304% | 5,133 |
| Memoranda: | ||
| Average total assets | $242,946,800 | 2,603 |
| Average earning assets | $216,559,200 | 2,652 |
| Average equity | $21,768,600 | 3,002 |
| Average total loans | $177,695,000 | 2,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 2,691 |
| Cost of funding earning assets | 0.6597% | 4,105 |
| Net interest margin | 4.0650% | 2,231 |
| Noninterest income to average assets | -0.1588% | 7,059 |
| Noninterest expense to average assets | 3.7921% | 1,223 |
| Loan and lease loss provision to assets | 1.6653% | 174 |
| Net operating income to assets | -1.2183% | 6,913 |
| Return on assets (ROA) | -1.2055% | 6,928 |
| Pretax return on assets | -1.9701% | 7,028 |
| Return on Equity (ROE) | -13.5552% | 6,911 |
| Retained earnings to average equity (ytd only) | -13.9427% | 6,890 |
| Net charge-offs to loans | 1.3835% | 654 |
| Credit loss provision to net charge-offs | 167.0086% | 1,663 |
| Earnings coverage of net charge-offs (x) | -0.3256% | 5,455 |
| Efficiency ratio | 109.3634% | 317 |
| Assets per employee ($millions) | 3.8115% | 4,277 |
| Cash dividends to net income (ytd only)* | -2.8584% | 7,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 1,745 |
| Loan loss allowance to noncurrent loans | 66.6084% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 7.6659% | 417 |
| Noncurrent loans to loans | 3.2734% | 1,679 |
| Net loans and leases to total assets | 74.7831% | 1,135 |
| Net loans and leases to deposits | 85.5233% | 1,660 |
| Net loans and leases to core deposits | 88.0534% | 2,206 |
| Total domestic deposits to total assets | 87.4418% | 2,388 |
| Equity capital to assets | 9.3638% | 5,390 |
| Core capital (leverage) ratio | 9.1673% | 4,809 |
| Tier 1 risk-based capital ratio | 12.8391% | 5,381 |
| Total risk-based capital ratio | 14.0997% | 5,334 |
| Memoranda: | ||
| Average total assets | $247,632,250 | 2,576 |
| Average earning assets | $220,904,250 | 2,628 |
| Average equity | $22,023,000 | 2,992 |
| Average total loans | $178,478,000 | 2,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 3,239 |
| Cost of funding earning assets | 0.7396% | 3,690 |
| Net interest margin | 3.8876% | 2,961 |
| Noninterest income to average assets | 0.0063% | 6,973 |
| Noninterest expense to average assets | 3.7480% | 1,297 |
| Loan and lease loss provision to assets | 2.1989% | 116 |
| Net operating income to assets | -1.5016% | 7,021 |
| Return on assets (ROA) | -1.4830% | 7,029 |
| Pretax return on assets | -2.4218% | 7,109 |
| Return on Equity (ROE) | -16.9441% | 7,002 |
| Retained earnings to average equity (ytd only) | -17.5200% | 6,978 |
| Net charge-offs to loans | 1.2733% | 845 |
| Credit loss provision to net charge-offs | 244.0559% | 1,177 |
| Earnings coverage of net charge-offs (x) | -0.2797% | 5,183 |
| Efficiency ratio | 107.2088% | 375 |
| Assets per employee ($millions) | 3.9956% | 3,892 |
| Cash dividends to net income (ytd only)* | -3.3988% | 7,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3370% | 1,520 |
| Loan loss allowance to noncurrent loans | 42.4361% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 6.9539% | 570 |
| Noncurrent loans to loans | 5.5070% | 846 |
| Net loans and leases to total assets | 73.5451% | 1,322 |
| Net loans and leases to deposits | 83.3151% | 1,943 |
| Net loans and leases to core deposits | 85.7855% | 2,458 |
| Total domestic deposits to total assets | 88.2734% | 1,971 |
| Equity capital to assets | 9.0829% | 5,598 |
| Core capital (leverage) ratio | 8.6380% | 5,464 |
| Tier 1 risk-based capital ratio | 13.2887% | 4,970 |
| Total risk-based capital ratio | 14.5027% | 4,970 |
| Memoranda: | ||
| Average total assets | $253,947,000 | 2,508 |
| Average earning assets | $227,953,000 | 2,547 |
| Average equity | $22,226,000 | 2,959 |
| Average total loans | $179,693,330 | 2,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 3,325 |
| Cost of funding earning assets | 0.7862% | 3,574 |
| Net interest margin | 3.8509% | 3,136 |
| Noninterest income to average assets | 0.2697% | 5,721 |
| Noninterest expense to average assets | 3.6253% | 1,510 |
| Loan and lease loss provision to assets | 2.7381% | 83 |
| Net operating income to assets | -1.5670% | 7,102 |
| Return on assets (ROA) | -1.5307% | 7,102 |
| Pretax return on assets | -2.5849% | 7,185 |
| Return on Equity (ROE) | -17.7984% | 7,088 |
| Retained earnings to average equity (ytd only) | -18.4932% | 7,026 |
| Net charge-offs to loans | 1.0174% | 1,019 |
| Credit loss provision to net charge-offs | 391.8860% | 801 |
| Earnings coverage of net charge-offs (x) | 0.1382% | 4,300 |
| Efficiency ratio | 97.4063% | 663 |
| Assets per employee ($millions) | 3.8788% | 4,244 |
| Cash dividends to net income (ytd only)* | -3.9039% | 7,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 1,922 |
| Loan loss allowance to noncurrent loans | 55.1052% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 6.0812% | 767 |
| Noncurrent loans to loans | 3.9571% | 1,553 |
| Net loans and leases to total assets | 68.3742% | 2,049 |
| Net loans and leases to deposits | 76.1106% | 2,781 |
| Net loans and leases to core deposits | 78.7539% | 3,220 |
| Total domestic deposits to total assets | 89.8353% | 1,168 |
| Equity capital to assets | 8.5472% | 6,045 |
| Core capital (leverage) ratio | 8.3820% | 5,761 |
| Tier 1 risk-based capital ratio | 13.4901% | 4,835 |
| Total risk-based capital ratio | 14.7564% | 4,807 |
| Memoranda: | ||
| Average total assets | $261,052,500 | 2,473 |
| Average earning assets | $234,023,500 | 2,498 |
| Average equity | $22,451,500 | 2,922 |
| Average total loans | $179,273,500 | 2,250 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 2,169 |
| Cost of funding earning assets | 1.0711% | 2,874 |
| Net interest margin | 4.1025% | 2,417 |
| Noninterest income to average assets | 0.2632% | 5,650 |
| Noninterest expense to average assets | 3.6322% | 1,683 |
| Loan and lease loss provision to assets | 1.2627% | 667 |
| Net operating income to assets | -0.6020% | 6,553 |
| Return on assets (ROA) | -0.6023% | 6,597 |
| Pretax return on assets | -0.9880% | 6,730 |
| Return on Equity (ROE) | -6.7185% | 6,617 |
| Retained earnings to average equity (ytd only) | -7.6600% | 6,606 |
| Net charge-offs to loans | 2.1527% | 606 |
| Credit loss provision to net charge-offs | 81.8575% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.1783% | 5,699 |
| Efficiency ratio | 92.9607% | 985 |
| Assets per employee ($millions) | 4.0939% | 3,656 |
| Cash dividends to net income (ytd only)* | -14.0135% | 7,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 4,328 |
| Loan loss allowance to noncurrent loans | 35.6935% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 5.5227% | 925 |
| Noncurrent loans to loans | 4.0105% | 1,556 |
| Net loans and leases to total assets | 66.5286% | 2,681 |
| Net loans and leases to deposits | 74.6412% | 3,395 |
| Net loans and leases to core deposits | 77.5560% | 3,741 |
| Total domestic deposits to total assets | 89.1312% | 1,458 |
| Equity capital to assets | 8.6516% | 5,955 |
| Core capital (leverage) ratio | 8.4529% | 5,635 |
| Tier 1 risk-based capital ratio | 13.8703% | 4,426 |
| Total risk-based capital ratio | 15.1239% | 4,377 |
| Memoranda: | ||
| Average total assets | $270,141,800 | 2,338 |
| Average earning assets | $239,951,200 | 2,405 |
| Average equity | $24,216,800 | 2,645 |
| Average total loans | $193,568,600 | 2,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 2,043 |
| Cost of funding earning assets | 1.1114% | 2,899 |
| Net interest margin | 4.1344% | 2,333 |
| Noninterest income to average assets | 0.3054% | 5,414 |
| Noninterest expense to average assets | 3.6476% | 1,606 |
| Loan and lease loss provision to assets | 0.5837% | 1,686 |
| Net operating income to assets | -0.1536% | 6,335 |
| Return on assets (ROA) | -0.1539% | 6,412 |
| Pretax return on assets | -0.2572% | 6,461 |
| Return on Equity (ROE) | -1.7023% | 6,452 |
| Retained earnings to average equity (ytd only) | -2.7356% | 6,386 |
| Net charge-offs to loans | 1.1319% | 1,399 |
| Credit loss provision to net charge-offs | 70.9504% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.3975% | 5,319 |
| Efficiency ratio | 91.7729% | 1,044 |
| Assets per employee ($millions) | 4.2197% | 3,409 |
| Cash dividends to net income (ytd only)* | -60.7040% | 7,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 4,167 |
| Loan loss allowance to noncurrent loans | 19.3055% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 7.7337% | 594 |
| Noncurrent loans to loans | 7.7036% | 595 |
| Net loans and leases to total assets | 68.6110% | 2,351 |
| Net loans and leases to deposits | 77.9830% | 2,996 |
| Net loans and leases to core deposits | 80.9622% | 3,493 |
| Total domestic deposits to total assets | 87.9820% | 2,043 |
| Equity capital to assets | 8.8854% | 5,878 |
| Core capital (leverage) ratio | 8.9873% | 4,955 |
| Tier 1 risk-based capital ratio | 15.0562% | 3,628 |
| Total risk-based capital ratio | 16.2996% | 3,604 |
| Memoranda: | ||
| Average total assets | $271,151,750 | 2,347 |
| Average earning assets | $240,641,750 | 2,404 |
| Average equity | $24,515,500 | 2,632 |
| Average total loans | $197,059,500 | 2,091 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 1,784 |
| Cost of funding earning assets | 1.1518% | 2,890 |
| Net interest margin | 4.1795% | 2,122 |
| Noninterest income to average assets | 0.3591% | 5,014 |
| Noninterest expense to average assets | 3.7474% | 1,451 |
| Loan and lease loss provision to assets | 0.7456% | 1,252 |
| Net operating income to assets | -0.2646% | 6,525 |
| Return on assets (ROA) | -0.2651% | 6,559 |
| Pretax return on assets | -0.4376% | 6,614 |
| Return on Equity (ROE) | -2.9149% | 6,587 |
| Retained earnings to average equity (ytd only) | -3.7291% | 6,448 |
| Net charge-offs to loans | 1.5271% | 968 |
| Credit loss provision to net charge-offs | 66.2500% | 4,163 |
| Earnings coverage of net charge-offs (x) | 0.2743% | 5,105 |
| Efficiency ratio | 92.3877% | 1,075 |
| Assets per employee ($millions) | 4.0585% | 3,634 |
| Cash dividends to net income (ytd only)* | -27.9330% | 7,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 4,351 |
| Loan loss allowance to noncurrent loans | 23.2677% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 7.0171% | 726 |
| Noncurrent loans to loans | 6.2270% | 929 |
| Net loans and leases to total assets | 71.4577% | 1,895 |
| Net loans and leases to deposits | 81.4251% | 2,535 |
| Net loans and leases to core deposits | 84.4225% | 3,148 |
| Total domestic deposits to total assets | 87.7589% | 2,312 |
| Equity capital to assets | 9.0925% | 5,453 |
| Core capital (leverage) ratio | 9.0253% | 4,680 |
| Tier 1 risk-based capital ratio | 14.6559% | 3,695 |
| Total risk-based capital ratio | 15.9112% | 3,660 |
| Memoranda: | ||
| Average total assets | $270,108,670 | 2,364 |
| Average earning assets | $238,930,330 | 2,434 |
| Average equity | $24,563,670 | 2,597 |
| Average total loans | $199,070,000 | 2,091 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 2,132 |
| Cost of funding earning assets | 1.1693% | 3,024 |
| Net interest margin | 4.0568% | 2,448 |
| Noninterest income to average assets | 0.3495% | 5,110 |
| Noninterest expense to average assets | 3.6013% | 1,765 |
| Loan and lease loss provision to assets | 0.2404% | 3,268 |
| Net operating income to assets | 0.0737% | 6,166 |
| Return on assets (ROA) | 0.0737% | 6,220 |
| Pretax return on assets | 0.1150% | 6,138 |
| Return on Equity (ROE) | 0.8108% | 6,190 |
| Retained earnings to average equity (ytd only) | -0.3243% | 5,851 |
| Net charge-offs to loans | 0.7563% | 1,710 |
| Credit loss provision to net charge-offs | 42.7822% | 3,894 |
| Earnings coverage of net charge-offs (x) | 0.6325% | 4,151 |
| Efficiency ratio | 91.0175% | 1,240 |
| Assets per employee ($millions) | 4.2496% | 3,346 |
| Cash dividends to net income (ytd only)* | 140.0000% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,939 |
| Loan loss allowance to noncurrent loans | 24.4707% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 6.8561% | 791 |
| Noncurrent loans to loans | 6.3539% | 962 |
| Net loans and leases to total assets | 72.3762% | 1,637 |
| Net loans and leases to deposits | 82.1654% | 2,334 |
| Net loans and leases to core deposits | 88.3883% | 2,550 |
| Total domestic deposits to total assets | 88.0861% | 2,327 |
| Equity capital to assets | 9.0688% | 5,096 |
| Core capital (leverage) ratio | 8.9976% | 4,620 |
| Tier 1 risk-based capital ratio | 15.3288% | 3,247 |
| Total risk-based capital ratio | 16.5874% | 3,204 |
| Memoranda: | ||
| Average total assets | $271,233,500 | 2,377 |
| Average earning assets | $241,175,000 | 2,433 |
| Average equity | $24,668,000 | 2,584 |
| Average total loans | $201,495,000 | 2,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5320% | 2,152 |
| Cost of funding earning assets | 1.2701% | 4,078 |
| Net interest margin | 4.2619% | 1,949 |
| Noninterest income to average assets | 4.4951% | 151 |
| Noninterest expense to average assets | 3.8458% | 1,403 |
| Loan and lease loss provision to assets | 1.2833% | 1,203 |
| Net operating income to assets | 1.9836% | 288 |
| Return on assets (ROA) | 1.9833% | 303 |
| Pretax return on assets | 3.2243% | 98 |
| Return on Equity (ROE) | 21.0429% | 199 |
| Retained earnings to average equity (ytd only) | 19.9745% | 59 |
| Net charge-offs to loans | 0.8181% | 2,590 |
| Credit loss provision to net charge-offs | 201.6456% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.0835% | 2,203 |
| Efficiency ratio | 46.0366% | 7,348 |
| Assets per employee ($millions) | 4.6636% | 2,606 |
| Cash dividends to net income (ytd only)* | 5.0772% | 3,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,430 |
| Loan loss allowance to noncurrent loans | 30.1906% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 5.7521% | 1,056 |
| Noncurrent loans to loans | 5.4276% | 1,211 |
| Net loans and leases to total assets | 73.8317% | 1,694 |
| Net loans and leases to deposits | 84.1840% | 2,423 |
| Net loans and leases to core deposits | 90.4122% | 2,709 |
| Total domestic deposits to total assets | 87.7027% | 2,416 |
| Equity capital to assets | 9.1208% | 4,965 |
| Core capital (leverage) ratio | 8.9160% | 4,667 |
| Tier 1 risk-based capital ratio | 14.4906% | 3,549 |
| Total risk-based capital ratio | 15.7493% | 3,499 |
| Memoranda: | ||
| Average total assets | $248,270,800 | 2,553 |
| Average earning assets | $224,781,200 | 2,570 |
| Average equity | $23,399,800 | 2,712 |
| Average total loans | $193,134,600 | 2,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5051% | 2,414 |
| Cost of funding earning assets | 1.2843% | 4,332 |
| Net interest margin | 4.2209% | 2,142 |
| Noninterest income to average assets | 6.3766% | 110 |
| Noninterest expense to average assets | 3.5816% | 1,834 |
| Loan and lease loss provision to assets | 1.1234% | 1,295 |
| Net operating income to assets | 3.3864% | 60 |
| Return on assets (ROA) | 3.3860% | 64 |
| Pretax return on assets | 5.5075% | 44 |
| Return on Equity (ROE) | 35.6055% | 29 |
| Retained earnings to average equity (ytd only) | 34.7391% | 16 |
| Net charge-offs to loans | 1.0909% | 1,866 |
| Credit loss provision to net charge-offs | 131.0897% | 3,079 |
| Earnings coverage of net charge-offs (x) | 7.7385% | 2,275 |
| Efficiency ratio | 35.0688% | 7,640 |
| Assets per employee ($millions) | 4.4939% | 2,916 |
| Cash dividends to net income (ytd only)* | 2.4335% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 6,143 |
| Loan loss allowance to noncurrent loans | 32.1950% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 4.3661% | 1,557 |
| Noncurrent loans to loans | 3.2715% | 2,422 |
| Net loans and leases to total assets | 74.3807% | 1,719 |
| Net loans and leases to deposits | 85.9447% | 2,357 |
| Net loans and leases to core deposits | 92.9632% | 2,665 |
| Total domestic deposits to total assets | 86.5449% | 2,787 |
| Equity capital to assets | 9.3944% | 4,993 |
| Core capital (leverage) ratio | 9.3619% | 4,115 |
| Tier 1 risk-based capital ratio | 13.9908% | 3,843 |
| Total risk-based capital ratio | 15.1726% | 3,860 |
| Memoranda: | ||
| Average total assets | $242,715,750 | 2,657 |
| Average earning assets | $220,612,250 | 2,662 |
| Average equity | $23,082,000 | 2,791 |
| Average total loans | $190,659,500 | 2,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 2,993 |
| Cost of funding earning assets | 1.3149% | 4,442 |
| Net interest margin | 4.0798% | 2,653 |
| Noninterest income to average assets | 9.9347% | 67 |
| Noninterest expense to average assets | 3.3379% | 2,436 |
| Loan and lease loss provision to assets | 1.7508% | 711 |
| Net operating income to assets | 5.2773% | 32 |
| Return on assets (ROA) | 5.2768% | 31 |
| Pretax return on assets | 8.5912% | 26 |
| Return on Equity (ROE) | 55.2175% | 14 |
| Retained earnings to average equity (ytd only) | 53.8570% | 9 |
| Net charge-offs to loans | 0.3265% | 3,692 |
| Credit loss provision to net charge-offs | 671.0963% | 555 |
| Earnings coverage of net charge-offs (x) | 39.6445% | 734 |
| Efficiency ratio | 24.3981% | 7,778 |
| Assets per employee ($millions) | 4.6587% | 2,634 |
| Cash dividends to net income (ytd only)* | 2.4639% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,670 |
| Loan loss allowance to noncurrent loans | 45.4906% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 4.0336% | 1,709 |
| Noncurrent loans to loans | 3.4068% | 2,338 |
| Net loans and leases to total assets | 79.5030% | 877 |
| Net loans and leases to deposits | 91.6451% | 1,588 |
| Net loans and leases to core deposits | 93.7280% | 2,762 |
| Total domestic deposits to total assets | 86.7509% | 2,675 |
| Equity capital to assets | 9.4825% | 4,727 |
| Core capital (leverage) ratio | 11.2067% | 2,102 |
| Tier 1 risk-based capital ratio | 13.6076% | 4,001 |
| Total risk-based capital ratio | 14.8641% | 3,957 |
| Memoranda: | ||
| Average total assets | $230,747,000 | 2,802 |
| Average earning assets | $211,874,000 | 2,791 |
| Average equity | $22,051,000 | 2,915 |
| Average total loans | $184,397,000 | 2,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2234% | 3,905 |
| Cost of funding earning assets | 1.3428% | 4,544 |
| Net interest margin | 3.8806% | 3,403 |
| Noninterest income to average assets | 0.2032% | 6,510 |
| Noninterest expense to average assets | 3.0361% | 3,543 |
| Loan and lease loss provision to assets | 0.4984% | 2,510 |
| Net operating income to assets | 0.1840% | 5,738 |
| Return on assets (ROA) | 0.1840% | 5,867 |
| Pretax return on assets | 0.2913% | 5,628 |
| Return on Equity (ROE) | 1.9157% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.1197% | 5,773 |
| Net charge-offs to loans | 0.2971% | 3,225 |
| Credit loss provision to net charge-offs | 211.3821% | 1,759 |
| Earnings coverage of net charge-offs (x) | 3.3496% | 2,934 |
| Efficiency ratio | 79.3587% | 2,662 |
| Assets per employee ($millions) | 4.6695% | 2,689 |
| Cash dividends to net income (ytd only)* | 93.7500% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,858 |
| Loan loss allowance to noncurrent loans | 118.6462% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.8369% | 3,724 |
| Noncurrent loans to loans | 0.9536% | 5,431 |
| Net loans and leases to total assets | 79.0242% | 976 |
| Net loans and leases to deposits | 89.6640% | 1,956 |
| Net loans and leases to core deposits | 94.9801% | 2,700 |
| Total domestic deposits to total assets | 88.1337% | 1,986 |
| Equity capital to assets | 9.7680% | 4,150 |
| Core capital (leverage) ratio | 9.6898% | 3,529 |
| Tier 1 risk-based capital ratio | 12.3052% | 4,900 |
| Total risk-based capital ratio | 13.4436% | 4,973 |
| Memoranda: | ||
| Average total assets | $208,688,500 | 3,113 |
| Average earning assets | $194,816,500 | 3,065 |
| Average equity | $20,044,500 | 3,200 |
| Average total loans | $165,613,000 | 2,679 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 4,365 |
| Cost of funding earning assets | 1.7050% | 4,480 |
| Net interest margin | 3.7588% | 3,878 |
| Noninterest income to average assets | 0.2204% | 6,537 |
| Noninterest expense to average assets | 3.3055% | 2,997 |
| Loan and lease loss provision to assets | 0.3485% | 4,714 |
| Net operating income to assets | 0.0746% | 5,281 |
| Return on assets (ROA) | 0.0722% | 5,330 |
| Pretax return on assets | 0.1016% | 5,219 |
| Return on Equity (ROE) | 0.7323% | 5,318 |
| Retained earnings to average equity (ytd only) | -0.4882% | 5,102 |
| Net charge-offs to loans | 0.3963% | 4,235 |
| Credit loss provision to net charge-offs | 106.4468% | 5,208 |
| Earnings coverage of net charge-offs (x) | 1.3853% | 4,752 |
| Efficiency ratio | 87.9342% | 1,888 |
| Assets per employee ($millions) | 4.7094% | 2,601 |
| Cash dividends to net income (ytd only)* | 166.6667% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,217 |
| Loan loss allowance to noncurrent loans | 173.8384% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4840% | 4,159 |
| Noncurrent loans to loans | 0.5928% | 6,053 |
| Net loans and leases to total assets | 77.9946% | 1,386 |
| Net loans and leases to deposits | 89.2719% | 2,344 |
| Net loans and leases to core deposits | 121.0778% | 1,877 |
| Total domestic deposits to total assets | 87.3675% | 2,284 |
| Equity capital to assets | 9.4469% | 4,492 |
| Core capital (leverage) ratio | 9.6235% | 3,560 |
| Tier 1 risk-based capital ratio | 12.0875% | 4,862 |
| Total risk-based capital ratio | 13.1237% | 5,017 |
| Memoranda: | ||
| Average total assets | $203,720,600 | 3,139 |
| Average earning assets | $191,787,800 | 3,073 |
| Average equity | $20,073,200 | 3,183 |
| Average total loans | $168,296,200 | 2,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 4,354 |
| Cost of funding earning assets | 1.7954% | 4,405 |
| Net interest margin | 3.7168% | 4,002 |
| Noninterest income to average assets | 0.2155% | 6,692 |
| Noninterest expense to average assets | 3.2369% | 3,168 |
| Loan and lease loss provision to assets | 0.3537% | 4,203 |
| Net operating income to assets | 0.0918% | 5,487 |
| Return on assets (ROA) | 0.0886% | 5,553 |
| Pretax return on assets | 0.1283% | 5,463 |
| Return on Equity (ROE) | 0.8895% | 5,533 |
| Retained earnings to average equity (ytd only) | 0.0929% | 5,165 |
| Net charge-offs to loans | 0.4570% | 3,400 |
| Credit loss provision to net charge-offs | 92.5606% | 5,414 |
| Earnings coverage of net charge-offs (x) | 1.2734% | 4,819 |
| Efficiency ratio | 86.9318% | 1,971 |
| Assets per employee ($millions) | 4.6893% | 2,578 |
| Cash dividends to net income (ytd only)* | 89.5556% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,419 |
| Loan loss allowance to noncurrent loans | 270.2479% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 1.6280% | 3,918 |
| Noncurrent loans to loans | 0.3606% | 6,628 |
| Net loans and leases to total assets | 80.5254% | 1,081 |
| Net loans and leases to deposits | 93.5513% | 1,956 |
| Net loans and leases to core deposits | 124.3790% | 1,866 |
| Total domestic deposits to total assets | 86.0762% | 2,669 |
| Equity capital to assets | 9.7712% | 4,392 |
| Core capital (leverage) ratio | 9.8080% | 3,509 |
| Tier 1 risk-based capital ratio | 12.1177% | 4,863 |
| Total risk-based capital ratio | 13.1004% | 5,044 |
| Memoranda: | ||
| Average total assets | $201,670,500 | 3,185 |
| Average earning assets | $190,337,500 | 3,114 |
| Average equity | $20,086,500 | 3,219 |
| Average total loans | $168,618,250 | 2,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 4,503 |
| Cost of funding earning assets | 1.9043% | 4,239 |
| Net interest margin | 3.6166% | 4,298 |
| Noninterest income to average assets | 0.1959% | 6,892 |
| Noninterest expense to average assets | 3.2511% | 3,152 |
| Loan and lease loss provision to assets | 0.3948% | 3,549 |
| Net operating income to assets | -0.0040% | 5,847 |
| Return on assets (ROA) | -0.0040% | 5,926 |
| Pretax return on assets | -0.0220% | 5,892 |
| Return on Equity (ROE) | -0.0399% | 5,936 |
| Retained earnings to average equity (ytd only) | -0.9371% | 5,463 |
| Net charge-offs to loans | 0.4239% | 3,106 |
| Credit loss provision to net charge-offs | 110.3352% | 4,198 |
| Earnings coverage of net charge-offs (x) | 1.0419% | 4,744 |
| Efficiency ratio | 89.7132% | 1,841 |
| Assets per employee ($millions) | 4.3919% | 2,949 |
| Cash dividends to net income (ytd only)* | -2,250.0000% | 8,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,178 |
| Loan loss allowance to noncurrent loans | 185.0054% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5963% | 3,825 |
| Noncurrent loans to loans | 0.5448% | 6,179 |
| Net loans and leases to total assets | 83.3677% | 732 |
| Net loans and leases to deposits | 95.8655% | 1,817 |
| Net loans and leases to core deposits | 133.5736% | 1,340 |
| Total domestic deposits to total assets | 86.9633% | 2,275 |
| Equity capital to assets | 9.8723% | 4,119 |
| Core capital (leverage) ratio | 10.0563% | 3,235 |
| Tier 1 risk-based capital ratio | 11.8460% | 5,053 |
| Total risk-based capital ratio | 12.8597% | 5,211 |
| Memoranda: | ||
| Average total assets | $200,117,330 | 3,228 |
| Average earning assets | $189,680,000 | 3,145 |
| Average equity | $20,061,670 | 3,232 |
| Average total loans | $168,896,670 | 2,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5529% | 4,624 |
| Cost of funding earning assets | 2.0506% | 3,873 |
| Net interest margin | 3.5023% | 4,724 |
| Noninterest income to average assets | 0.2129% | 6,774 |
| Noninterest expense to average assets | 3.1010% | 3,375 |
| Loan and lease loss provision to assets | 0.2511% | 3,964 |
| Net operating income to assets | 0.1386% | 5,865 |
| Return on assets (ROA) | 0.1386% | 6,031 |
| Pretax return on assets | 0.1848% | 5,978 |
| Return on Equity (ROE) | 1.3718% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.1789% | 5,584 |
| Net charge-offs to loans | 0.2757% | 3,018 |
| Credit loss provision to net charge-offs | 107.7586% | 3,554 |
| Earnings coverage of net charge-offs (x) | 1.8707% | 3,793 |
| Efficiency ratio | 87.6775% | 1,918 |
| Assets per employee ($millions) | 4.4352% | 2,823 |
| Cash dividends to net income (ytd only)* | 86.9565% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 6,225 |
| Loan loss allowance to noncurrent loans | 106.9075% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 3,949 |
| Noncurrent loans to loans | 0.9303% | 5,138 |
| Net loans and leases to total assets | 84.1439% | 669 |
| Net loans and leases to deposits | 98.8173% | 1,556 |
| Net loans and leases to core deposits | 141.8330% | 1,019 |
| Total domestic deposits to total assets | 85.1510% | 3,133 |
| Equity capital to assets | 10.0736% | 3,913 |
| Core capital (leverage) ratio | 10.1650% | 3,229 |
| Tier 1 risk-based capital ratio | 12.1005% | 4,870 |
| Total risk-based capital ratio | 13.1141% | 4,976 |
| Memoranda: | ||
| Average total assets | $199,161,500 | 3,253 |
| Average earning assets | $189,017,500 | 3,167 |
| Average equity | $20,120,000 | 3,241 |
| Average total loans | $168,274,000 | 2,725 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7873% | 1,725 |
| Cost of funding earning assets | 2.7286% | 3,025 |
| Net interest margin | 4.0587% | 2,878 |
| Noninterest income to average assets | 0.2063% | 6,966 |
| Noninterest expense to average assets | 3.3729% | 2,755 |
| Loan and lease loss provision to assets | 0.2482% | 4,432 |
| Net operating income to assets | 0.2851% | 5,589 |
| Return on assets (ROA) | 0.2855% | 5,404 |
| Pretax return on assets | 0.4535% | 5,113 |
| Return on Equity (ROE) | 2.7630% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.1623% | 3,879 |
| Net charge-offs to loans | 0.2073% | 4,126 |
| Credit loss provision to net charge-offs | 138.3285% | 3,842 |
| Earnings coverage of net charge-offs (x) | 3.9078% | 4,187 |
| Efficiency ratio | 82.7875% | 2,206 |
| Assets per employee ($millions) | 4.3205% | 2,917 |
| Cash dividends to net income (ytd only)* | 21.7391% | 4,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 5,991 |
| Loan loss allowance to noncurrent loans | 99.7029% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 3,701 |
| Noncurrent loans to loans | 1.0082% | 4,572 |
| Net loans and leases to total assets | 83.1469% | 1,020 |
| Net loans and leases to deposits | 98.1452% | 2,102 |
| Net loans and leases to core deposits | 152.2593% | 774 |
| Total domestic deposits to total assets | 84.7183% | 2,970 |
| Equity capital to assets | 10.1313% | 3,883 |
| Core capital (leverage) ratio | 10.4301% | 3,039 |
| Tier 1 risk-based capital ratio | 12.0335% | 4,797 |
| Total risk-based capital ratio | 13.0374% | 4,902 |
| Memoranda: | ||
| Average total assets | $193,365,200 | 3,218 |
| Average earning assets | $184,271,600 | 3,130 |
| Average equity | $19,978,400 | 3,232 |
| Average total loans | $167,405,000 | 2,657 |