Home > Commercial Bank > Performance and Condition Ratios
Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 3,282 |
| Cost of funding earning assets | 1.6340% | 1,602 |
| Net interest margin | 2.7618% | 3,729 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.6360% | 1,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2776% | 4,062 |
| Return on assets (ROA) | 0.1702% | 4,214 |
| Pretax return on assets | 0.1991% | 4,196 |
| Return on Equity (ROE) | 5.3900% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,453 |
| Net charge-offs to loans | 0.0343% | 1,619 |
| Credit loss provision to net charge-offs | -91.5254% | 4,474 |
| Earnings coverage of net charge-offs (x) | 16.0169% | 2,024 |
| Efficiency ratio | 89.0091% | 446 |
| Assets per employee ($millions) | 7.9613% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,151 |
| Loan loss allowance to noncurrent loans | 254.2312% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 1,778 |
| Noncurrent loans to loans | 0.4815% | 1,581 |
| Net loans and leases to total assets | 60.0600% | 2,836 |
| Net loans and leases to deposits | 70.4634% | 2,854 |
| Net loans and leases to core deposits | 77.4230% | 2,885 |
| Total domestic deposits to total assets | 85.2300% | 2,236 |
| Equity capital to assets | 3.8586% | 4,504 |
| Core capital (leverage) ratio | 7.3474% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3086% | 2,758 |
| Memoranda: | ||
| Average total assets | $290,326,400 | 2,470 |
| Average earning assets | $273,440,400 | 2,444 |
| Average equity | $9,164,600 | 3,806 |
| Average total loans | $172,190,000 | 2,508 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 3,235 |
| Cost of funding earning assets | 1.5771% | 1,413 |
| Net interest margin | 2.7552% | 3,796 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.6263% | 1,863 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3161% | 4,097 |
| Return on assets (ROA) | 0.1987% | 4,245 |
| Pretax return on assets | 0.2399% | 4,212 |
| Return on Equity (ROE) | 6.6600% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.6581% | 2,416 |
| Net charge-offs to loans | 0.0652% | 1,017 |
| Credit loss provision to net charge-offs | -65.4762% | 4,512 |
| Earnings coverage of net charge-offs (x) | 9.9167% | 2,147 |
| Efficiency ratio | 87.3212% | 466 |
| Assets per employee ($millions) | 7.4456% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,256 |
| Loan loss allowance to noncurrent loans | 317.7979% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 2,080 |
| Noncurrent loans to loans | 0.3850% | 1,863 |
| Net loans and leases to total assets | 60.1200% | 2,831 |
| Net loans and leases to deposits | 67.2852% | 3,034 |
| Net loans and leases to core deposits | 73.1198% | 3,049 |
| Total domestic deposits to total assets | 89.3500% | 1,141 |
| Equity capital to assets | 2.3585% | 4,528 |
| Core capital (leverage) ratio | 7.2523% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2989% | 2,770 |
| Memoranda: | ||
| Average total assets | $291,256,000 | 2,472 |
| Average earning assets | $274,331,000 | 2,448 |
| Average equity | $8,691,000 | 3,862 |
| Average total loans | $171,672,750 | 2,518 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 3,159 |
| Cost of funding earning assets | 1.4970% | 1,246 |
| Net interest margin | 2.7703% | 3,872 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.5535% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3507% | 4,091 |
| Return on assets (ROA) | 0.1721% | 4,335 |
| Pretax return on assets | 0.2034% | 4,315 |
| Return on Equity (ROE) | 5.4000% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.4039% | 2,820 |
| Net charge-offs to loans | -0.0758% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.0614% | 492 |
| Assets per employee ($millions) | 7.2387% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 1,881 |
| Loan loss allowance to noncurrent loans | 247.9348% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,648 |
| Noncurrent loans to loans | 0.5292% | 1,409 |
| Net loans and leases to total assets | 59.2600% | 2,840 |
| Net loans and leases to deposits | 66.8444% | 3,007 |
| Net loans and leases to core deposits | 72.5411% | 2,988 |
| Total domestic deposits to total assets | 88.6500% | 1,367 |
| Equity capital to assets | 3.2226% | 4,556 |
| Core capital (leverage) ratio | 7.0492% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2746% | 2,803 |
| Memoranda: | ||
| Average total assets | $294,031,000 | 2,460 |
| Average earning assets | $277,227,000 | 2,441 |
| Average equity | $9,363,667 | 3,811 |
| Average total loans | $171,498,333 | 2,512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 3,203 |
| Cost of funding earning assets | 1.3733% | 1,085 |
| Net interest margin | 2.7510% | 4,009 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4734% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4804% | 3,945 |
| Return on assets (ROA) | 0.0716% | 4,425 |
| Pretax return on assets | 0.0729% | 4,420 |
| Return on Equity (ROE) | 2.2600% | 4,271 |
| Retained earnings to average equity (ytd only) | 2.2601% | 3,658 |
| Net charge-offs to loans | -0.0728% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.4624% | 618 |
| Assets per employee ($millions) | 7.8759% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,018 |
| Loan loss allowance to noncurrent loans | 235.7817% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 1,577 |
| Noncurrent loans to loans | 0.5528% | 1,342 |
| Net loans and leases to total assets | 56.8600% | 2,970 |
| Net loans and leases to deposits | 66.7189% | 2,871 |
| Net loans and leases to core deposits | 71.9474% | 2,819 |
| Total domestic deposits to total assets | 85.2200% | 2,800 |
| Equity capital to assets | 3.3924% | 4,579 |
| Core capital (leverage) ratio | 6.9510% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4958% | 2,854 |
| Memoranda: | ||
| Average total assets | $296,272,000 | 2,488 |
| Average earning assets | $279,321,000 | 2,455 |
| Average equity | $9,380,000 | 3,853 |
| Average total loans | $170,318,500 | 2,541 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 3,093 |
| Cost of funding earning assets | 0.4542% | 1,689 |
| Net interest margin | 3.0382% | 3,333 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.6568% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5338% | 4,026 |
| Return on assets (ROA) | 0.5340% | 3,981 |
| Pretax return on assets | 0.6847% | 3,877 |
| Return on Equity (ROE) | 13.0300% | 1,803 |
| Retained earnings to average equity (ytd only) | 13.0270% | 511 |
| Net charge-offs to loans | -0.0742% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.5173% | 754 |
| Assets per employee ($millions) | 7.5195% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,742 |
| Loan loss allowance to noncurrent loans | 184.0984% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 1,239 |
| Noncurrent loans to loans | 0.7252% | 1,036 |
| Net loans and leases to total assets | 56.6000% | 2,961 |
| Net loans and leases to deposits | 65.1180% | 2,950 |
| Net loans and leases to core deposits | 69.3293% | 2,922 |
| Total domestic deposits to total assets | 86.9200% | 2,413 |
| Equity capital to assets | 2.9349% | 4,612 |
| Core capital (leverage) ratio | 7.0609% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5054% | 2,863 |
| Memoranda: | ||
| Average total assets | $292,679,600 | 2,487 |
| Average earning assets | $277,865,200 | 2,453 |
| Average equity | $11,998,200 | 3,668 |
| Average total loans | $157,639,400 | 2,558 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 3,067 |
| Cost of funding earning assets | 0.3521% | 1,682 |
| Net interest margin | 2.9915% | 3,239 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.6257% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5643% | 3,929 |
| Return on assets (ROA) | 0.5647% | 3,881 |
| Pretax return on assets | 0.7251% | 3,755 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.8597% | 638 |
| Net charge-offs to loans | -0.0697% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.3703% | 884 |
| Assets per employee ($millions) | 7.5813% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,642 |
| Loan loss allowance to noncurrent loans | 176.9416% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 1,214 |
| Noncurrent loans to loans | 0.7856% | 1,024 |
| Net loans and leases to total assets | 55.8900% | 2,914 |
| Net loans and leases to deposits | 59.5843% | 3,234 |
| Net loans and leases to core deposits | 61.8108% | 3,250 |
| Total domestic deposits to total assets | 93.8000% | 393 |
| Equity capital to assets | 2.4705% | 4,633 |
| Core capital (leverage) ratio | 6.8919% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6959% | 2,893 |
| Memoranda: | ||
| Average total assets | $292,534,250 | 2,505 |
| Average earning assets | $278,295,500 | 2,471 |
| Average equity | $12,846,000 | 3,626 |
| Average total loans | $154,992,250 | 2,588 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 3,206 |
| Cost of funding earning assets | 0.3484% | 1,276 |
| Net interest margin | 2.7918% | 3,469 |
| Noninterest income to average assets | 0.4519% | 2,433 |
| Noninterest expense to average assets | 2.5635% | 1,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4325% | 4,047 |
| Return on assets (ROA) | 0.4330% | 4,000 |
| Pretax return on assets | 0.5530% | 3,915 |
| Return on Equity (ROE) | 8.6651% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.6651% | 1,381 |
| Net charge-offs to loans | -0.1367% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2727% | 781 |
| Assets per employee ($millions) | 7.8151% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,657 |
| Loan loss allowance to noncurrent loans | 175.2157% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 1,323 |
| Noncurrent loans to loans | 0.8124% | 1,058 |
| Net loans and leases to total assets | 52.0975% | 3,141 |
| Net loans and leases to deposits | 55.1942% | 3,447 |
| Net loans and leases to core deposits | 57.2354% | 3,477 |
| Total domestic deposits to total assets | 94.3894% | 216 |
| Equity capital to assets | 3.7037% | 4,651 |
| Core capital (leverage) ratio | 6.5894% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6616% | 2,894 |
| Memoranda: | ||
| Average total assets | $296,543,333 | 2,502 |
| Average earning assets | $282,975,333 | 2,473 |
| Average equity | $14,818,000 | 3,513 |
| Average total loans | $153,659,667 | 2,607 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0125% | 3,219 |
| Cost of funding earning assets | 0.3499% | 1,200 |
| Net interest margin | 2.6626% | 3,498 |
| Noninterest income to average assets | 0.4090% | 2,628 |
| Noninterest expense to average assets | 2.5742% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3053% | 4,133 |
| Return on assets (ROA) | 0.3064% | 4,100 |
| Pretax return on assets | 0.3834% | 4,064 |
| Return on Equity (ROE) | 5.4282% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.4282% | 2,436 |
| Net charge-offs to loans | -0.1158% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0776% | 677 |
| Assets per employee ($millions) | 7.8377% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,711 |
| Loan loss allowance to noncurrent loans | 166.6411% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,387 |
| Noncurrent loans to loans | 0.8703% | 1,078 |
| Net loans and leases to total assets | 49.5790% | 3,216 |
| Net loans and leases to deposits | 53.7558% | 3,434 |
| Net loans and leases to core deposits | 56.0510% | 3,443 |
| Total domestic deposits to total assets | 92.2299% | 498 |
| Equity capital to assets | 4.7053% | 4,743 |
| Core capital (leverage) ratio | 6.7095% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9233% | 2,908 |
| Memoranda: | ||
| Average total assets | $296,328,000 | 2,514 |
| Average earning assets | $283,485,000 | 2,485 |
| Average equity | $16,727,500 | 3,421 |
| Average total loans | $152,014,500 | 2,615 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 2,824 |
| Cost of funding earning assets | 0.4209% | 1,384 |
| Net interest margin | 3.0193% | 3,147 |
| Noninterest income to average assets | 0.8596% | 1,304 |
| Noninterest expense to average assets | 2.9875% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5860% | 3,905 |
| Return on assets (ROA) | 0.6004% | 3,918 |
| Pretax return on assets | 0.7852% | 3,756 |
| Return on Equity (ROE) | 8.7097% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.1516% | 1,861 |
| Net charge-offs to loans | -0.1854% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5728% | 832 |
| Assets per employee ($millions) | 7.7585% | 1,459 |
| Cash dividends to net income (ytd only)* | 17.8891% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,997 |
| Loan loss allowance to noncurrent loans | 135.6915% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 1,254 |
| Noncurrent loans to loans | 1.0176% | 967 |
| Net loans and leases to total assets | 51.5782% | 3,113 |
| Net loans and leases to deposits | 57.1581% | 3,325 |
| Net loans and leases to core deposits | 59.8194% | 3,328 |
| Total domestic deposits to total assets | 90.2378% | 851 |
| Equity capital to assets | 6.5941% | 4,779 |
| Core capital (leverage) ratio | 6.5697% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7949% | 2,931 |
| Memoranda: | ||
| Average total assets | $279,301,000 | 2,545 |
| Average earning assets | $267,773,000 | 2,504 |
| Average equity | $19,254,400 | 3,279 |
| Average total loans | $159,654,000 | 2,546 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5116% | 2,796 |
| Cost of funding earning assets | 0.4378% | 1,436 |
| Net interest margin | 3.0738% | 3,118 |
| Noninterest income to average assets | 0.9391% | 1,174 |
| Noninterest expense to average assets | 3.0416% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6497% | 3,900 |
| Return on assets (ROA) | 0.6681% | 3,902 |
| Pretax return on assets | 0.8675% | 3,764 |
| Return on Equity (ROE) | 9.5792% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.4968% | 2,223 |
| Net charge-offs to loans | -0.2252% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2733% | 855 |
| Assets per employee ($millions) | 7.6430% | 1,477 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,235 |
| Loan loss allowance to noncurrent loans | 127.6364% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 1,411 |
| Noncurrent loans to loans | 1.0568% | 1,074 |
| Net loans and leases to total assets | 50.3814% | 3,364 |
| Net loans and leases to deposits | 55.6350% | 3,611 |
| Net loans and leases to core deposits | 58.1314% | 3,619 |
| Total domestic deposits to total assets | 90.5570% | 529 |
| Equity capital to assets | 6.2973% | 4,876 |
| Core capital (leverage) ratio | 6.7637% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9119% | 2,983 |
| Memoranda: | ||
| Average total assets | $275,420,750 | 2,588 |
| Average earning assets | $264,034,000 | 2,545 |
| Average equity | $19,207,750 | 3,324 |
| Average total loans | $161,019,250 | 2,572 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6288% | 2,535 |
| Cost of funding earning assets | 0.4688% | 1,391 |
| Net interest margin | 3.1600% | 2,872 |
| Noninterest income to average assets | 1.0267% | 1,029 |
| Noninterest expense to average assets | 3.1863% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6595% | 3,854 |
| Return on assets (ROA) | 0.6875% | 3,854 |
| Pretax return on assets | 0.8993% | 3,667 |
| Return on Equity (ROE) | 9.5035% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.5035% | 1,554 |
| Net charge-offs to loans | -0.2287% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6711% | 876 |
| Assets per employee ($millions) | 7.0196% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,565 |
| Loan loss allowance to noncurrent loans | 115.8348% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 1,304 |
| Noncurrent loans to loans | 1.0999% | 1,101 |
| Net loans and leases to total assets | 57.1462% | 2,772 |
| Net loans and leases to deposits | 64.1829% | 2,980 |
| Net loans and leases to core deposits | 67.4850% | 2,999 |
| Total domestic deposits to total assets | 89.0366% | 1,269 |
| Equity capital to assets | 7.1711% | 4,811 |
| Core capital (leverage) ratio | 7.1732% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3476% | 2,891 |
| Memoranda: | ||
| Average total assets | $265,321,000 | 2,646 |
| Average earning assets | $253,858,000 | 2,597 |
| Average equity | $19,193,000 | 3,320 |
| Average total loans | $162,648,333 | 2,575 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 2,768 |
| Cost of funding earning assets | 0.4914% | 1,444 |
| Net interest margin | 3.0671% | 3,087 |
| Noninterest income to average assets | 1.0448% | 1,067 |
| Noninterest expense to average assets | 3.2126% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5850% | 3,980 |
| Return on assets (ROA) | 0.6419% | 3,901 |
| Pretax return on assets | 0.8395% | 3,741 |
| Return on Equity (ROE) | 8.8334% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.8334% | 2,009 |
| Net charge-offs to loans | -0.1165% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7159% | 778 |
| Assets per employee ($millions) | 6.7982% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,332 |
| Loan loss allowance to noncurrent loans | 104.0952% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 1,376 |
| Noncurrent loans to loans | 1.0775% | 1,243 |
| Net loans and leases to total assets | 62.5465% | 2,227 |
| Net loans and leases to deposits | 70.2377% | 2,479 |
| Net loans and leases to core deposits | 73.8900% | 2,525 |
| Total domestic deposits to total assets | 89.0499% | 1,321 |
| Equity capital to assets | 7.0505% | 4,835 |
| Core capital (leverage) ratio | 7.2962% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3616% | 2,854 |
| Memoranda: | ||
| Average total assets | $261,098,500 | 2,664 |
| Average earning assets | $249,877,500 | 2,613 |
| Average equity | $18,973,500 | 3,334 |
| Average total loans | $164,739,500 | 2,552 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 3,468 |
| Cost of funding earning assets | 0.6020% | 2,290 |
| Net interest margin | 3.1401% | 3,523 |
| Noninterest income to average assets | 1.3025% | 677 |
| Noninterest expense to average assets | 3.4805% | 708 |
| Loan and lease loss provision to assets | 0.0939% | 3,178 |
| Net operating income to assets | 0.5530% | 3,897 |
| Return on assets (ROA) | 0.5767% | 3,930 |
| Pretax return on assets | 0.7579% | 3,743 |
| Return on Equity (ROE) | 7.4793% | 3,006 |
| Retained earnings to average equity (ytd only) | 7.4793% | 1,205 |
| Net charge-offs to loans | -0.0286% | 4,519 |
| Credit loss provision to net charge-offs | -511.3636% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9002% | 824 |
| Assets per employee ($millions) | 6.4267% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,294 |
| Loan loss allowance to noncurrent loans | 104.9828% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 1,536 |
| Noncurrent loans to loans | 1.0793% | 1,317 |
| Net loans and leases to total assets | 62.2154% | 2,578 |
| Net loans and leases to deposits | 70.3331% | 2,846 |
| Net loans and leases to core deposits | 74.0410% | 2,912 |
| Total domestic deposits to total assets | 88.4583% | 1,249 |
| Equity capital to assets | 7.4898% | 4,840 |
| Core capital (leverage) ratio | 7.1334% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5120% | 2,801 |
| Memoranda: | ||
| Average total assets | $239,622,400 | 2,660 |
| Average earning assets | $228,910,600 | 2,606 |
| Average equity | $18,477,600 | 3,326 |
| Average total loans | $153,990,200 | 2,626 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 3,703 |
| Cost of funding earning assets | 0.6236% | 2,471 |
| Net interest margin | 3.1167% | 3,697 |
| Noninterest income to average assets | 1.2564% | 689 |
| Noninterest expense to average assets | 3.4174% | 781 |
| Loan and lease loss provision to assets | 0.1275% | 2,754 |
| Net operating income to assets | 0.5198% | 3,979 |
| Return on assets (ROA) | 0.5520% | 3,993 |
| Pretax return on assets | 0.7266% | 3,842 |
| Return on Equity (ROE) | 7.1028% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.1028% | 1,644 |
| Net charge-offs to loans | -0.0535% | 4,695 |
| Credit loss provision to net charge-offs | -368.8525% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7770% | 817 |
| Assets per employee ($millions) | 6.4543% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,371 |
| Loan loss allowance to noncurrent loans | 107.6834% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 1,674 |
| Noncurrent loans to loans | 0.9919% | 1,512 |
| Net loans and leases to total assets | 66.3697% | 2,470 |
| Net loans and leases to deposits | 74.9902% | 2,856 |
| Net loans and leases to core deposits | 79.0300% | 2,921 |
| Total domestic deposits to total assets | 88.5046% | 974 |
| Equity capital to assets | 7.2897% | 4,909 |
| Core capital (leverage) ratio | 7.0685% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2719% | 2,850 |
| Memoranda: | ||
| Average total assets | $235,261,000 | 2,672 |
| Average earning assets | $224,508,500 | 2,617 |
| Average equity | $18,283,500 | 3,343 |
| Average total loans | $152,045,500 | 2,651 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 3,758 |
| Cost of funding earning assets | 0.6542% | 2,670 |
| Net interest margin | 3.1888% | 3,701 |
| Noninterest income to average assets | 1.1493% | 757 |
| Noninterest expense to average assets | 3.5067% | 742 |
| Loan and lease loss provision to assets | 0.0703% | 3,415 |
| Net operating income to assets | 0.4623% | 4,106 |
| Return on assets (ROA) | 0.5122% | 4,062 |
| Pretax return on assets | 0.6722% | 3,924 |
| Return on Equity (ROE) | 6.4403% | 3,349 |
| Retained earnings to average equity (ytd only) | 6.4403% | 1,885 |
| Net charge-offs to loans | -0.1890% | 4,936 |
| Credit loss provision to net charge-offs | -58.3942% | 3,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7741% | 653 |
| Assets per employee ($millions) | 6.5383% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,194 |
| Loan loss allowance to noncurrent loans | 91.9938% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,510 |
| Noncurrent loans to loans | 1.1712% | 1,336 |
| Net loans and leases to total assets | 64.1291% | 2,862 |
| Net loans and leases to deposits | 72.6257% | 3,199 |
| Net loans and leases to core deposits | 76.7142% | 3,231 |
| Total domestic deposits to total assets | 88.3008% | 1,041 |
| Equity capital to assets | 7.2849% | 4,929 |
| Core capital (leverage) ratio | 7.1694% | 4,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4190% | 2,853 |
| Memoranda: | ||
| Average total assets | $227,624,000 | 2,699 |
| Average earning assets | $216,761,000 | 2,657 |
| Average equity | $18,104,667 | 3,352 |
| Average total loans | $144,994,667 | 2,696 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,635 |
| Cost of funding earning assets | 0.7221% | 2,824 |
| Net interest margin | 3.3345% | 3,501 |
| Noninterest income to average assets | 0.8432% | 1,180 |
| Noninterest expense to average assets | 3.4608% | 991 |
| Loan and lease loss provision to assets | 0.0935% | 2,514 |
| Net operating income to assets | 0.3391% | 4,260 |
| Return on assets (ROA) | 0.4543% | 4,060 |
| Pretax return on assets | 0.5946% | 3,930 |
| Return on Equity (ROE) | 5.4396% | 3,494 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,095 |
| Net charge-offs to loans | -0.0504% | 4,639 |
| Credit loss provision to net charge-offs | -294.1176% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4549% | 671 |
| Assets per employee ($millions) | 5.3092% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 2,948 |
| Loan loss allowance to noncurrent loans | 95.4918% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 1,562 |
| Noncurrent loans to loans | 1.2016% | 1,359 |
| Net loans and leases to total assets | 64.5501% | 2,999 |
| Net loans and leases to deposits | 74.3497% | 3,234 |
| Net loans and leases to core deposits | 79.7200% | 3,219 |
| Total domestic deposits to total assets | 86.8196% | 1,641 |
| Equity capital to assets | 8.5079% | 4,831 |
| Core capital (leverage) ratio | 8.0739% | 4,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7596% | 3,166 |
| Memoranda: | ||
| Average total assets | $213,940,000 | 2,760 |
| Average earning assets | $202,731,500 | 2,725 |
| Average equity | $17,869,000 | 3,383 |
| Average total loans | $134,839,500 | 2,779 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,855 |
| Cost of funding earning assets | 0.7338% | 3,003 |
| Net interest margin | 3.4468% | 3,600 |
| Noninterest income to average assets | 0.6369% | 2,057 |
| Noninterest expense to average assets | 3.3007% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4615% | 4,485 |
| Return on assets (ROA) | 0.4661% | 4,515 |
| Pretax return on assets | 0.6088% | 4,399 |
| Return on Equity (ROE) | 5.8654% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.3427% | 2,791 |
| Net charge-offs to loans | -0.1856% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5524% | 628 |
| Assets per employee ($millions) | 5.0048% | 2,592 |
| Cash dividends to net income (ytd only)* | 25.9605% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,301 |
| Loan loss allowance to noncurrent loans | 84.0408% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 1,317 |
| Noncurrent loans to loans | 1.4592% | 1,000 |
| Net loans and leases to total assets | 59.9293% | 3,588 |
| Net loans and leases to deposits | 68.9174% | 3,747 |
| Net loans and leases to core deposits | 74.4617% | 3,685 |
| Total domestic deposits to total assets | 86.9582% | 1,632 |
| Equity capital to assets | 8.1912% | 5,013 |
| Core capital (leverage) ratio | 7.8058% | 5,073 |
| Tier 1 risk-based capital ratio | 11.3293% | 4,716 |
| Total risk-based capital ratio | 12.3762% | 4,699 |
| Memoranda: | ||
| Average total assets | $206,620,400 | 2,789 |
| Average earning assets | $195,833,200 | 2,745 |
| Average equity | $16,418,200 | 3,508 |
| Average total loans | $124,492,400 | 2,886 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 4,016 |
| Cost of funding earning assets | 0.7254% | 3,097 |
| Net interest margin | 3.4342% | 3,776 |
| Noninterest income to average assets | 0.5833% | 2,293 |
| Noninterest expense to average assets | 3.2878% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4210% | 4,685 |
| Return on assets (ROA) | 0.4271% | 4,700 |
| Pretax return on assets | 0.5587% | 4,610 |
| Return on Equity (ROE) | 5.4176% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,666 |
| Net charge-offs to loans | -0.2101% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6492% | 520 |
| Assets per employee ($millions) | 5.5045% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,593 |
| Loan loss allowance to noncurrent loans | 87.9678% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.8598% | 1,590 |
| Noncurrent loans to loans | 1.3458% | 1,141 |
| Net loans and leases to total assets | 57.9240% | 3,883 |
| Net loans and leases to deposits | 66.2148% | 4,049 |
| Net loans and leases to core deposits | 71.3047% | 3,989 |
| Total domestic deposits to total assets | 87.4789% | 1,268 |
| Equity capital to assets | 7.8095% | 5,161 |
| Core capital (leverage) ratio | 7.8989% | 5,138 |
| Tier 1 risk-based capital ratio | 11.0564% | 4,886 |
| Total risk-based capital ratio | 12.0579% | 4,889 |
| Memoranda: | ||
| Average total assets | $205,725,250 | 2,813 |
| Average earning assets | $195,012,750 | 2,766 |
| Average equity | $16,218,250 | 3,556 |
| Average total loans | $123,731,500 | 2,928 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,973 |
| Cost of funding earning assets | 0.7132% | 3,093 |
| Net interest margin | 3.4660% | 3,702 |
| Noninterest income to average assets | 0.5127% | 2,606 |
| Noninterest expense to average assets | 3.3130% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3748% | 4,770 |
| Return on assets (ROA) | 0.3843% | 4,778 |
| Pretax return on assets | 0.4967% | 4,707 |
| Return on Equity (ROE) | 4.8576% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.8576% | 2,836 |
| Net charge-offs to loans | -0.2394% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2346% | 481 |
| Assets per employee ($millions) | 5.1507% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,562 |
| Loan loss allowance to noncurrent loans | 108.2723% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 1,879 |
| Noncurrent loans to loans | 1.1025% | 1,485 |
| Net loans and leases to total assets | 59.4178% | 3,793 |
| Net loans and leases to deposits | 69.5644% | 3,874 |
| Net loans and leases to core deposits | 74.0240% | 3,892 |
| Total domestic deposits to total assets | 85.4142% | 2,296 |
| Equity capital to assets | 8.0935% | 5,158 |
| Core capital (leverage) ratio | 8.2424% | 5,088 |
| Tier 1 risk-based capital ratio | 11.3196% | 4,781 |
| Total risk-based capital ratio | 12.3283% | 4,788 |
| Memoranda: | ||
| Average total assets | $200,907,000 | 2,865 |
| Average earning assets | $190,421,670 | 2,823 |
| Average equity | $15,892,670 | 3,594 |
| Average total loans | $121,953,670 | 2,960 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,849 |
| Cost of funding earning assets | 0.7159% | 2,968 |
| Net interest margin | 3.4880% | 3,625 |
| Noninterest income to average assets | 0.4659% | 2,767 |
| Noninterest expense to average assets | 3.3195% | 1,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3449% | 4,845 |
| Return on assets (ROA) | 0.3449% | 4,851 |
| Pretax return on assets | 0.4477% | 4,779 |
| Return on Equity (ROE) | 4.4125% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.4125% | 3,164 |
| Net charge-offs to loans | 0.0033% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 353 |
| Efficiency ratio | 88.1156% | 475 |
| Assets per employee ($millions) | 5.1118% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,052 |
| Loan loss allowance to noncurrent loans | 91.9255% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 1,758 |
| Noncurrent loans to loans | 1.2105% | 1,362 |
| Net loans and leases to total assets | 59.3744% | 3,758 |
| Net loans and leases to deposits | 69.5983% | 3,795 |
| Net loans and leases to core deposits | 74.8713% | 3,744 |
| Total domestic deposits to total assets | 85.3101% | 2,560 |
| Equity capital to assets | 7.9860% | 5,186 |
| Core capital (leverage) ratio | 8.1875% | 5,144 |
| Tier 1 risk-based capital ratio | 11.5764% | 4,704 |
| Total risk-based capital ratio | 12.5176% | 4,763 |
| Memoranda: | ||
| Average total assets | $198,346,000 | 2,918 |
| Average earning assets | $187,731,500 | 2,875 |
| Average equity | $15,501,500 | 3,644 |
| Average total loans | $120,982,000 | 3,010 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 3,513 |
| Cost of funding earning assets | 0.5677% | 2,939 |
| Net interest margin | 3.6060% | 3,364 |
| Noninterest income to average assets | 0.5709% | 2,445 |
| Noninterest expense to average assets | 3.4418% | 1,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4060% | 4,852 |
| Return on assets (ROA) | 0.4060% | 4,843 |
| Pretax return on assets | 0.5317% | 4,753 |
| Return on Equity (ROE) | 5.4544% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.9230% | 3,935 |
| Net charge-offs to loans | 0.3047% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 3,484 |
| Efficiency ratio | 86.6195% | 495 |
| Assets per employee ($millions) | 4.6983% | 2,882 |
| Cash dividends to net income (ytd only)* | 46.4109% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,168 |
| Loan loss allowance to noncurrent loans | 88.9260% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0156% | 1,345 |
| Noncurrent loans to loans | 1.2261% | 1,297 |
| Net loans and leases to total assets | 61.2826% | 3,631 |
| Net loans and leases to deposits | 71.5933% | 3,705 |
| Net loans and leases to core deposits | 76.9606% | 3,647 |
| Total domestic deposits to total assets | 85.5982% | 2,393 |
| Equity capital to assets | 7.6430% | 5,256 |
| Core capital (leverage) ratio | 7.9019% | 5,269 |
| Tier 1 risk-based capital ratio | 11.2472% | 4,839 |
| Total risk-based capital ratio | 12.1720% | 4,899 |
| Memoranda: | ||
| Average total assets | $198,995,600 | 2,884 |
| Average earning assets | $187,768,800 | 2,852 |
| Average equity | $14,813,800 | 3,659 |
| Average total loans | $123,052,600 | 2,964 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,628 |
| Cost of funding earning assets | 0.5401% | 2,932 |
| Net interest margin | 3.5596% | 3,494 |
| Noninterest income to average assets | 0.6238% | 2,194 |
| Noninterest expense to average assets | 3.4460% | 1,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4052% | 4,945 |
| Return on assets (ROA) | 0.4052% | 4,947 |
| Pretax return on assets | 0.5356% | 4,848 |
| Return on Equity (ROE) | 5.4790% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.4790% | 2,967 |
| Net charge-offs to loans | 0.0346% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 25.0286% | 1,790 |
| Efficiency ratio | 86.5491% | 486 |
| Assets per employee ($millions) | 5.1851% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,897 |
| Loan loss allowance to noncurrent loans | 84.3907% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 1,101 |
| Noncurrent loans to loans | 1.5957% | 994 |
| Net loans and leases to total assets | 60.7198% | 3,775 |
| Net loans and leases to deposits | 70.5186% | 3,879 |
| Net loans and leases to core deposits | 75.1561% | 3,863 |
| Total domestic deposits to total assets | 86.1047% | 2,144 |
| Equity capital to assets | 7.1596% | 5,365 |
| Core capital (leverage) ratio | 7.8819% | 5,342 |
| Tier 1 risk-based capital ratio | 11.1380% | 4,976 |
| Total risk-based capital ratio | 12.2834% | 4,920 |
| Memoranda: | ||
| Average total assets | $199,412,000 | 2,893 |
| Average earning assets | $188,105,250 | 2,868 |
| Average equity | $14,746,750 | 3,693 |
| Average total loans | $123,250,250 | 2,989 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,688 |
| Cost of funding earning assets | 0.4948% | 3,036 |
| Net interest margin | 3.5351% | 3,514 |
| Noninterest income to average assets | 0.6923% | 1,898 |
| Noninterest expense to average assets | 3.4845% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4121% | 4,935 |
| Return on assets (ROA) | 0.4121% | 4,939 |
| Pretax return on assets | 0.5411% | 4,832 |
| Return on Equity (ROE) | 5.5135% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.5135% | 2,815 |
| Net charge-offs to loans | 0.1368% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.3929% | 2,636 |
| Efficiency ratio | 86.5582% | 542 |
| Assets per employee ($millions) | 5.2998% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,258 |
| Loan loss allowance to noncurrent loans | 65.9091% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.4635% | 914 |
| Noncurrent loans to loans | 1.9450% | 784 |
| Net loans and leases to total assets | 60.5050% | 3,761 |
| Net loans and leases to deposits | 71.4558% | 3,752 |
| Net loans and leases to core deposits | 76.4658% | 3,709 |
| Total domestic deposits to total assets | 84.6748% | 2,808 |
| Equity capital to assets | 7.0903% | 5,440 |
| Core capital (leverage) ratio | 8.0295% | 5,338 |
| Tier 1 risk-based capital ratio | 10.9371% | 5,087 |
| Total risk-based capital ratio | 12.0403% | 5,049 |
| Memoranda: | ||
| Average total assets | $198,476,330 | 2,913 |
| Average earning assets | $187,149,330 | 2,889 |
| Average equity | $14,836,330 | 3,700 |
| Average total loans | $122,846,000 | 3,003 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,440 |
| Cost of funding earning assets | 0.4656% | 3,080 |
| Net interest margin | 3.5806% | 3,252 |
| Noninterest income to average assets | 0.6915% | 1,870 |
| Noninterest expense to average assets | 3.5191% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4136% | 4,904 |
| Return on assets (ROA) | 0.4136% | 4,908 |
| Pretax return on assets | 0.5433% | 4,803 |
| Return on Equity (ROE) | 5.3862% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3862% | 2,997 |
| Net charge-offs to loans | 0.0099% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 662 |
| Efficiency ratio | 86.6261% | 603 |
| Assets per employee ($millions) | 4.6319% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,824 |
| Loan loss allowance to noncurrent loans | 111.8766% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4748% | 956 |
| Noncurrent loans to loans | 1.2548% | 1,437 |
| Net loans and leases to total assets | 61.5521% | 3,604 |
| Net loans and leases to deposits | 70.5335% | 3,738 |
| Net loans and leases to core deposits | 74.9360% | 3,748 |
| Total domestic deposits to total assets | 87.2664% | 2,018 |
| Equity capital to assets | 7.5300% | 5,407 |
| Core capital (leverage) ratio | 8.2039% | 5,313 |
| Tier 1 risk-based capital ratio | 11.3952% | 4,927 |
| Total risk-based capital ratio | 12.6111% | 4,845 |
| Memoranda: | ||
| Average total assets | $194,368,500 | 2,990 |
| Average earning assets | $182,987,000 | 2,967 |
| Average equity | $14,927,000 | 3,716 |
| Average total loans | $120,927,500 | 3,054 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 3,779 |
| Cost of funding earning assets | 0.3750% | 3,468 |
| Net interest margin | 3.5078% | 3,497 |
| Noninterest income to average assets | 0.6669% | 2,108 |
| Noninterest expense to average assets | 3.5141% | 1,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0409% | 5,317 |
| Return on assets (ROA) | 0.0435% | 5,318 |
| Pretax return on assets | 0.4622% | 4,990 |
| Return on Equity (ROE) | 0.5476% | 5,302 |
| Retained earnings to average equity (ytd only) | -0.1043% | 5,045 |
| Net charge-offs to loans | 0.3923% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.9011% | 3,831 |
| Efficiency ratio | 88.4686% | 503 |
| Assets per employee ($millions) | 4.5162% | 3,156 |
| Cash dividends to net income (ytd only)* | 119.0476% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,693 |
| Loan loss allowance to noncurrent loans | 99.6499% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 708 |
| Noncurrent loans to loans | 1.4235% | 1,205 |
| Net loans and leases to total assets | 61.1228% | 3,720 |
| Net loans and leases to deposits | 70.2821% | 3,843 |
| Net loans and leases to core deposits | 73.8741% | 3,887 |
| Total domestic deposits to total assets | 86.9678% | 2,012 |
| Equity capital to assets | 7.8297% | 5,447 |
| Core capital (leverage) ratio | 7.9811% | 5,450 |
| Tier 1 risk-based capital ratio | 11.5918% | 4,798 |
| Total risk-based capital ratio | 12.8422% | 4,682 |
| Memoranda: | ||
| Average total assets | $192,992,800 | 2,984 |
| Average earning assets | $181,850,200 | 2,943 |
| Average equity | $15,341,000 | 3,678 |
| Average total loans | $118,540,200 | 3,077 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 3,853 |
| Cost of funding earning assets | 0.3597% | 3,574 |
| Net interest margin | 3.4849% | 3,551 |
| Noninterest income to average assets | 0.6767% | 2,099 |
| Noninterest expense to average assets | 3.4846% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3141% | 5,194 |
| Return on assets (ROA) | 0.3141% | 5,213 |
| Pretax return on assets | 0.4767% | 5,073 |
| Return on Equity (ROE) | 3.9370% | 4,871 |
| Retained earnings to average equity (ytd only) | 3.0699% | 4,079 |
| Net charge-offs to loans | 0.3918% | 543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.9856% | 3,519 |
| Efficiency ratio | 87.9651% | 513 |
| Assets per employee ($millions) | 4.6364% | 2,921 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,459 |
| Loan loss allowance to noncurrent loans | 66.8864% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8434% | 735 |
| Noncurrent loans to loans | 2.2752% | 701 |
| Net loans and leases to total assets | 59.2710% | 3,944 |
| Net loans and leases to deposits | 69.1824% | 4,026 |
| Net loans and leases to core deposits | 72.9382% | 4,068 |
| Total domestic deposits to total assets | 85.6734% | 2,440 |
| Equity capital to assets | 7.9302% | 5,535 |
| Core capital (leverage) ratio | 8.1880% | 5,427 |
| Tier 1 risk-based capital ratio | 11.6247% | 4,867 |
| Total risk-based capital ratio | 12.8752% | 4,756 |
| Memoranda: | ||
| Average total assets | $192,692,000 | 3,018 |
| Average earning assets | $181,617,250 | 2,972 |
| Average equity | $15,375,000 | 3,707 |
| Average total loans | $118,073,750 | 3,109 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 3,826 |
| Cost of funding earning assets | 0.3479% | 3,603 |
| Net interest margin | 3.4725% | 3,498 |
| Noninterest income to average assets | 0.6636% | 2,154 |
| Noninterest expense to average assets | 3.5030% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2919% | 5,245 |
| Return on assets (ROA) | 0.2919% | 5,258 |
| Pretax return on assets | 0.4305% | 5,113 |
| Return on Equity (ROE) | 3.6507% | 4,936 |
| Retained earnings to average equity (ytd only) | 2.3375% | 4,280 |
| Net charge-offs to loans | -0.1618% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0550% | 501 |
| Assets per employee ($millions) | 4.5371% | 3,046 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9302% | 682 |
| Loan loss allowance to noncurrent loans | 74.0692% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.0308% | 624 |
| Noncurrent loans to loans | 2.6060% | 551 |
| Net loans and leases to total assets | 59.0635% | 3,915 |
| Net loans and leases to deposits | 66.4387% | 4,190 |
| Net loans and leases to core deposits | 69.9793% | 4,233 |
| Total domestic deposits to total assets | 88.8993% | 1,010 |
| Equity capital to assets | 7.9664% | 5,550 |
| Core capital (leverage) ratio | 8.2742% | 5,373 |
| Tier 1 risk-based capital ratio | 11.8764% | 4,714 |
| Total risk-based capital ratio | 13.1315% | 4,604 |
| Memoranda: | ||
| Average total assets | $190,468,000 | 3,055 |
| Average earning assets | $179,351,330 | 3,010 |
| Average equity | $15,230,000 | 3,732 |
| Average total loans | $117,434,670 | 3,127 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,694 |
| Cost of funding earning assets | 0.3286% | 3,759 |
| Net interest margin | 3.4902% | 3,306 |
| Noninterest income to average assets | 0.6016% | 2,408 |
| Noninterest expense to average assets | 3.4482% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2955% | 5,206 |
| Return on assets (ROA) | 0.2955% | 5,218 |
| Pretax return on assets | 0.4273% | 5,107 |
| Return on Equity (ROE) | 3.6885% | 4,886 |
| Retained earnings to average equity (ytd only) | 1.0349% | 4,647 |
| Net charge-offs to loans | -0.0273% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9742% | 606 |
| Assets per employee ($millions) | 4.5403% | 3,101 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8562% | 861 |
| Loan loss allowance to noncurrent loans | 64.8528% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2355% | 555 |
| Noncurrent loans to loans | 2.8622% | 497 |
| Net loans and leases to total assets | 60.4734% | 3,731 |
| Net loans and leases to deposits | 69.9469% | 3,800 |
| Net loans and leases to core deposits | 74.5984% | 3,778 |
| Total domestic deposits to total assets | 86.4562% | 2,464 |
| Equity capital to assets | 8.0019% | 5,516 |
| Core capital (leverage) ratio | 8.4474% | 5,264 |
| Tier 1 risk-based capital ratio | 11.6366% | 4,957 |
| Total risk-based capital ratio | 12.8905% | 4,848 |
| Memoranda: | ||
| Average total assets | $188,154,500 | 3,104 |
| Average earning assets | $176,496,000 | 3,064 |
| Average equity | $15,074,000 | 3,772 |
| Average total loans | $117,403,000 | 3,154 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 3,916 |
| Cost of funding earning assets | 0.2961% | 4,105 |
| Net interest margin | 3.5036% | 3,416 |
| Noninterest income to average assets | 1.2783% | 694 |
| Noninterest expense to average assets | 4.3914% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1367% | 5,513 |
| Return on assets (ROA) | 0.2367% | 5,411 |
| Pretax return on assets | 0.3100% | 5,352 |
| Return on Equity (ROE) | 2.8266% | 5,205 |
| Retained earnings to average equity (ytd only) | 2.8266% | 3,885 |
| Net charge-offs to loans | -0.6579% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0949% | 312 |
| Assets per employee ($millions) | 4.3167% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 869 |
| Loan loss allowance to noncurrent loans | 184.7789% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 1,131 |
| Noncurrent loans to loans | 1.0025% | 2,085 |
| Net loans and leases to total assets | 62.0277% | 3,608 |
| Net loans and leases to deposits | 69.8802% | 3,915 |
| Net loans and leases to core deposits | 73.9660% | 3,928 |
| Total domestic deposits to total assets | 88.7629% | 1,226 |
| Equity capital to assets | 8.0214% | 5,555 |
| Core capital (leverage) ratio | 8.4913% | 5,269 |
| Tier 1 risk-based capital ratio | 11.8147% | 4,850 |
| Total risk-based capital ratio | 13.0691% | 4,744 |
| Memoranda: | ||
| Average total assets | $185,475,200 | 3,103 |
| Average earning assets | $174,250,200 | 3,063 |
| Average equity | $15,531,000 | 3,752 |
| Average total loans | $112,481,800 | 3,182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,989 |
| Cost of funding earning assets | 0.2922% | 4,190 |
| Net interest margin | 3.4857% | 3,522 |
| Noninterest income to average assets | 1.1245% | 906 |
| Noninterest expense to average assets | 4.3643% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0236% | 5,702 |
| Return on assets (ROA) | 0.1359% | 5,632 |
| Pretax return on assets | 0.2121% | 5,549 |
| Return on Equity (ROE) | 1.6059% | 5,541 |
| Retained earnings to average equity (ytd only) | 1.6059% | 4,867 |
| Net charge-offs to loans | -0.8651% | 5,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1668% | 238 |
| Assets per employee ($millions) | 4.4057% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 850 |
| Loan loss allowance to noncurrent loans | 159.1581% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.5862% | 1,099 |
| Noncurrent loans to loans | 1.1938% | 1,883 |
| Net loans and leases to total assets | 60.1300% | 3,855 |
| Net loans and leases to deposits | 69.2384% | 4,043 |
| Net loans and leases to core deposits | 73.5416% | 4,036 |
| Total domestic deposits to total assets | 86.8449% | 1,967 |
| Equity capital to assets | 8.6560% | 5,430 |
| Core capital (leverage) ratio | 8.2833% | 5,510 |
| Tier 1 risk-based capital ratio | 11.8305% | 4,901 |
| Total risk-based capital ratio | 13.0853% | 4,794 |
| Memoranda: | ||
| Average total assets | $185,439,750 | 3,111 |
| Average earning assets | $174,306,750 | 3,083 |
| Average equity | $15,691,500 | 3,760 |
| Average total loans | $111,275,500 | 3,209 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,143 |
| Cost of funding earning assets | 0.2879% | 4,269 |
| Net interest margin | 3.4566% | 3,656 |
| Noninterest income to average assets | 1.0616% | 995 |
| Noninterest expense to average assets | 4.1859% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0684% | 5,703 |
| Return on assets (ROA) | 0.0808% | 5,729 |
| Pretax return on assets | 0.1433% | 5,676 |
| Return on Equity (ROE) | 0.9626% | 5,693 |
| Retained earnings to average equity (ytd only) | 0.9626% | 5,006 |
| Net charge-offs to loans | -1.4580% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1243% | 309 |
| Assets per employee ($millions) | 4.2110% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 650 |
| Loan loss allowance to noncurrent loans | 160.0429% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6083% | 1,149 |
| Noncurrent loans to loans | 1.2915% | 1,748 |
| Net loans and leases to total assets | 57.2563% | 4,192 |
| Net loans and leases to deposits | 65.9226% | 4,354 |
| Net loans and leases to core deposits | 70.4744% | 4,292 |
| Total domestic deposits to total assets | 86.8538% | 1,986 |
| Equity capital to assets | 8.5538% | 5,567 |
| Core capital (leverage) ratio | 8.2886% | 5,544 |
| Tier 1 risk-based capital ratio | 12.1813% | 4,711 |
| Total risk-based capital ratio | 13.4374% | 4,630 |
| Memoranda: | ||
| Average total assets | $185,573,330 | 3,127 |
| Average earning assets | $174,389,000 | 3,093 |
| Average equity | $15,583,000 | 3,793 |
| Average total loans | $110,561,000 | 3,229 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 3,945 |
| Cost of funding earning assets | 0.2885% | 4,291 |
| Net interest margin | 3.5102% | 3,431 |
| Noninterest income to average assets | 0.7345% | 1,885 |
| Noninterest expense to average assets | 3.6098% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3166% | 5,254 |
| Return on assets (ROA) | 0.3166% | 5,337 |
| Pretax return on assets | 0.4265% | 5,252 |
| Return on Equity (ROE) | 3.8058% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.8058% | 3,593 |
| Net charge-offs to loans | -2.1419% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4344% | 709 |
| Assets per employee ($millions) | 4.3427% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 1,187 |
| Loan loss allowance to noncurrent loans | 124.2202% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.7083% | 1,134 |
| Noncurrent loans to loans | 1.4361% | 1,652 |
| Net loans and leases to total assets | 59.8809% | 3,788 |
| Net loans and leases to deposits | 72.0133% | 3,650 |
| Net loans and leases to core deposits | 77.7054% | 3,521 |
| Total domestic deposits to total assets | 83.1525% | 3,841 |
| Equity capital to assets | 8.4457% | 5,603 |
| Core capital (leverage) ratio | 8.2947% | 5,575 |
| Tier 1 risk-based capital ratio | 11.7910% | 5,053 |
| Total risk-based capital ratio | 13.0450% | 4,955 |
| Memoranda: | ||
| Average total assets | $185,717,000 | 3,138 |
| Average earning assets | $174,692,000 | 3,106 |
| Average equity | $15,450,000 | 3,820 |
| Average total loans | $111,678,000 | 3,216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,263 |
| Cost of funding earning assets | 0.2857% | 4,408 |
| Net interest margin | 3.4478% | 3,728 |
| Noninterest income to average assets | 0.8799% | 1,503 |
| Noninterest expense to average assets | 3.7678% | 898 |
| Loan and lease loss provision to assets | 0.1082% | 2,189 |
| Net operating income to assets | 0.1833% | 5,611 |
| Return on assets (ROA) | 0.3083% | 5,416 |
| Pretax return on assets | 0.4051% | 5,310 |
| Return on Equity (ROE) | 3.7494% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.1049% | 4,524 |
| Net charge-offs to loans | 0.0330% | 3,553 |
| Credit loss provision to net charge-offs | 571.4286% | 582 |
| Earnings coverage of net charge-offs (x) | 18.4286% | 2,012 |
| Efficiency ratio | 91.5265% | 597 |
| Assets per employee ($millions) | 4.2953% | 3,392 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 2,847 |
| Loan loss allowance to noncurrent loans | 74.0568% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.8896% | 969 |
| Noncurrent loans to loans | 1.7670% | 1,260 |
| Net loans and leases to total assets | 58.5133% | 4,016 |
| Net loans and leases to deposits | 64.8594% | 4,408 |
| Net loans and leases to core deposits | 72.2010% | 4,113 |
| Total domestic deposits to total assets | 90.2155% | 538 |
| Equity capital to assets | 8.1911% | 5,767 |
| Core capital (leverage) ratio | 8.2836% | 5,622 |
| Tier 1 risk-based capital ratio | 11.7286% | 5,113 |
| Total risk-based capital ratio | 12.8292% | 5,113 |
| Memoranda: | ||
| Average total assets | $184,909,000 | 3,117 |
| Average earning assets | $173,588,200 | 3,073 |
| Average equity | $15,202,400 | 3,806 |
| Average total loans | $106,036,600 | 3,277 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 4,351 |
| Cost of funding earning assets | 0.2873% | 4,478 |
| Net interest margin | 3.4365% | 3,811 |
| Noninterest income to average assets | 0.9508% | 1,315 |
| Noninterest expense to average assets | 3.7845% | 869 |
| Loan and lease loss provision to assets | 0.1117% | 2,018 |
| Net operating income to assets | 0.2059% | 5,668 |
| Return on assets (ROA) | 0.3568% | 5,383 |
| Pretax return on assets | 0.4837% | 5,257 |
| Return on Equity (ROE) | 4.3361% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.3361% | 3,388 |
| Net charge-offs to loans | 0.0862% | 2,315 |
| Credit loss provision to net charge-offs | 227.9412% | 1,214 |
| Earnings coverage of net charge-offs (x) | 7.9857% | 2,856 |
| Efficiency ratio | 90.6266% | 661 |
| Assets per employee ($millions) | 4.1858% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 3,081 |
| Loan loss allowance to noncurrent loans | 71.6931% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.8705% | 1,118 |
| Noncurrent loans to loans | 1.8158% | 1,302 |
| Net loans and leases to total assets | 55.7793% | 4,380 |
| Net loans and leases to deposits | 62.0921% | 4,713 |
| Net loans and leases to core deposits | 69.7647% | 4,392 |
| Total domestic deposits to total assets | 89.8331% | 642 |
| Equity capital to assets | 8.4794% | 5,717 |
| Core capital (leverage) ratio | 8.4380% | 5,598 |
| Tier 1 risk-based capital ratio | 12.2541% | 4,923 |
| Total risk-based capital ratio | 13.3332% | 4,942 |
| Memoranda: | ||
| Average total assets | $184,961,250 | 3,139 |
| Average earning assets | $173,583,000 | 3,091 |
| Average equity | $15,220,750 | 3,836 |
| Average total loans | $105,169,000 | 3,320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,328 |
| Cost of funding earning assets | 0.2817% | 4,589 |
| Net interest margin | 3.4452% | 3,737 |
| Noninterest income to average assets | 1.0258% | 1,128 |
| Noninterest expense to average assets | 3.8149% | 854 |
| Loan and lease loss provision to assets | 0.1674% | 1,251 |
| Net operating income to assets | 0.2019% | 5,686 |
| Return on assets (ROA) | 0.3768% | 5,326 |
| Pretax return on assets | 0.5183% | 5,182 |
| Return on Equity (ROE) | 4.6260% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.6260% | 3,093 |
| Net charge-offs to loans | 0.1611% | 1,510 |
| Credit loss provision to net charge-offs | 182.3529% | 1,329 |
| Earnings coverage of net charge-offs (x) | 4.8588% | 2,987 |
| Efficiency ratio | 89.5337% | 790 |
| Assets per employee ($millions) | 4.2245% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 3,382 |
| Loan loss allowance to noncurrent loans | 66.3033% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9669% | 1,127 |
| Noncurrent loans to loans | 1.9201% | 1,298 |
| Net loans and leases to total assets | 57.1209% | 4,205 |
| Net loans and leases to deposits | 63.4279% | 4,582 |
| Net loans and leases to core deposits | 71.4818% | 4,183 |
| Total domestic deposits to total assets | 90.0564% | 640 |
| Equity capital to assets | 8.3053% | 5,828 |
| Core capital (leverage) ratio | 8.4337% | 5,592 |
| Tier 1 risk-based capital ratio | 12.4917% | 4,814 |
| Total risk-based capital ratio | 13.5841% | 4,816 |
| Memoranda: | ||
| Average total assets | $185,223,000 | 3,162 |
| Average earning assets | $173,923,000 | 3,110 |
| Average equity | $15,088,670 | 3,871 |
| Average total loans | $105,529,670 | 3,338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 4,003 |
| Cost of funding earning assets | 0.2754% | 4,721 |
| Net interest margin | 3.5254% | 3,323 |
| Noninterest income to average assets | 0.9968% | 1,127 |
| Noninterest expense to average assets | 3.9207% | 748 |
| Loan and lease loss provision to assets | 0.2353% | 729 |
| Net operating income to assets | 0.1117% | 5,852 |
| Return on assets (ROA) | 0.4021% | 5,175 |
| Pretax return on assets | 0.5519% | 5,043 |
| Return on Equity (ROE) | 4.9836% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.9836% | 3,064 |
| Net charge-offs to loans | -0.0227% | 5,102 |
| Credit loss provision to net charge-offs | -1,833.3333% | 5,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9677% | 783 |
| Assets per employee ($millions) | 4.5569% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 3,551 |
| Loan loss allowance to noncurrent loans | 64.9156% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 1,208 |
| Noncurrent loans to loans | 1.9638% | 1,341 |
| Net loans and leases to total assets | 57.3675% | 4,042 |
| Net loans and leases to deposits | 63.6541% | 4,405 |
| Net loans and leases to core deposits | 66.7996% | 4,444 |
| Total domestic deposits to total assets | 90.1239% | 685 |
| Equity capital to assets | 8.2383% | 5,912 |
| Core capital (leverage) ratio | 7.4800% | 6,145 |
| Tier 1 risk-based capital ratio | 11.1790% | 5,724 |
| Total risk-based capital ratio | 12.2866% | 5,716 |
| Memoranda: | ||
| Average total assets | $187,007,000 | 3,154 |
| Average earning assets | $175,755,000 | 3,108 |
| Average equity | $15,089,500 | 3,898 |
| Average total loans | $105,744,000 | 3,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 4,025 |
| Cost of funding earning assets | 0.3157% | 4,627 |
| Net interest margin | 3.6130% | 3,364 |
| Noninterest income to average assets | 0.8725% | 1,597 |
| Noninterest expense to average assets | 3.8422% | 926 |
| Loan and lease loss provision to assets | 0.1520% | 1,728 |
| Net operating income to assets | 0.1866% | 5,795 |
| Return on assets (ROA) | 0.3353% | 5,493 |
| Pretax return on assets | 0.4674% | 5,334 |
| Return on Equity (ROE) | 4.1881% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.1881% | 3,216 |
| Net charge-offs to loans | 1.0803% | 265 |
| Credit loss provision to net charge-offs | 24.3415% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.6612% | 4,597 |
| Efficiency ratio | 90.2946% | 823 |
| Assets per employee ($millions) | 4.3530% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,806 |
| Loan loss allowance to noncurrent loans | 106.2867% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 1,789 |
| Noncurrent loans to loans | 1.1591% | 2,519 |
| Net loans and leases to total assets | 54.3082% | 4,545 |
| Net loans and leases to deposits | 59.9417% | 4,904 |
| Net loans and leases to core deposits | 62.7366% | 4,942 |
| Total domestic deposits to total assets | 90.6016% | 495 |
| Equity capital to assets | 7.8999% | 6,105 |
| Core capital (leverage) ratio | 7.5319% | 6,193 |
| Tier 1 risk-based capital ratio | 11.4399% | 5,691 |
| Total risk-based capital ratio | 12.4976% | 5,722 |
| Memoranda: | ||
| Average total assets | $176,278,400 | 3,255 |
| Average earning assets | $165,042,000 | 3,217 |
| Average equity | $14,111,400 | 4,006 |
| Average total loans | $101,916,600 | 3,382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9532% | 3,952 |
| Cost of funding earning assets | 0.3238% | 4,631 |
| Net interest margin | 3.6294% | 3,313 |
| Noninterest income to average assets | 0.8458% | 1,718 |
| Noninterest expense to average assets | 3.8097% | 963 |
| Loan and lease loss provision to assets | 0.1383% | 1,805 |
| Net operating income to assets | 0.2040% | 5,844 |
| Return on assets (ROA) | 0.2750% | 5,729 |
| Pretax return on assets | 0.3918% | 5,594 |
| Return on Equity (ROE) | 3.4235% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.4235% | 4,185 |
| Net charge-offs to loans | 0.6675% | 528 |
| Credit loss provision to net charge-offs | 35.3635% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.0963% | 4,234 |
| Efficiency ratio | 89.8858% | 849 |
| Assets per employee ($millions) | 4.2826% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 1,834 |
| Loan loss allowance to noncurrent loans | 257.1843% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3165% | 2,345 |
| Noncurrent loans to loans | 0.6793% | 3,911 |
| Net loans and leases to total assets | 55.4030% | 4,409 |
| Net loans and leases to deposits | 61.1367% | 4,832 |
| Net loans and leases to core deposits | 65.1785% | 4,786 |
| Total domestic deposits to total assets | 90.6216% | 483 |
| Equity capital to assets | 7.9435% | 6,163 |
| Core capital (leverage) ratio | 7.9253% | 6,117 |
| Tier 1 risk-based capital ratio | 11.6790% | 5,680 |
| Total risk-based capital ratio | 12.9324% | 5,600 |
| Memoranda: | ||
| Average total assets | $173,553,000 | 3,318 |
| Average earning assets | $162,227,750 | 3,279 |
| Average equity | $13,942,500 | 4,053 |
| Average total loans | $101,665,250 | 3,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,816 |
| Cost of funding earning assets | 0.3336% | 4,602 |
| Net interest margin | 3.6466% | 3,160 |
| Noninterest income to average assets | 0.8784% | 1,561 |
| Noninterest expense to average assets | 3.8134% | 956 |
| Loan and lease loss provision to assets | 0.1575% | 1,576 |
| Net operating income to assets | 0.2138% | 5,792 |
| Return on assets (ROA) | 0.3185% | 5,581 |
| Pretax return on assets | 0.4666% | 5,371 |
| Return on Equity (ROE) | 3.9487% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,668 |
| Net charge-offs to loans | 1.1440% | 278 |
| Credit loss provision to net charge-offs | 23.1959% | 3,150 |
| Earnings coverage of net charge-offs (x) | 0.6924% | 3,997 |
| Efficiency ratio | 89.0251% | 991 |
| Assets per employee ($millions) | 4.0789% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 2,423 |
| Loan loss allowance to noncurrent loans | 163.7624% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 2,078 |
| Noncurrent loans to loans | 0.9834% | 3,267 |
| Net loans and leases to total assets | 58.9848% | 3,862 |
| Net loans and leases to deposits | 65.3335% | 4,344 |
| Net loans and leases to core deposits | 71.3762% | 4,115 |
| Total domestic deposits to total assets | 90.2826% | 667 |
| Equity capital to assets | 8.2715% | 5,969 |
| Core capital (leverage) ratio | 8.0083% | 6,093 |
| Tier 1 risk-based capital ratio | 11.5983% | 5,744 |
| Total risk-based capital ratio | 12.8484% | 5,699 |
| Memoranda: | ||
| Average total assets | $171,447,000 | 3,362 |
| Average earning assets | $160,092,330 | 3,322 |
| Average equity | $13,827,330 | 4,073 |
| Average total loans | $101,745,000 | 3,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,457 |
| Cost of funding earning assets | 0.3421% | 4,622 |
| Net interest margin | 3.7107% | 2,822 |
| Noninterest income to average assets | 1.1871% | 788 |
| Noninterest expense to average assets | 3.7944% | 991 |
| Loan and lease loss provision to assets | 0.1586% | 1,533 |
| Net operating income to assets | 0.4454% | 4,949 |
| Return on assets (ROA) | 0.4454% | 5,017 |
| Pretax return on assets | 0.6996% | 4,491 |
| Return on Equity (ROE) | 5.5946% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.5946% | 2,742 |
| Net charge-offs to loans | 2.3660% | 99 |
| Credit loss provision to net charge-offs | 11.3523% | 2,594 |
| Earnings coverage of net charge-offs (x) | 0.6144% | 3,294 |
| Efficiency ratio | 81.5539% | 1,985 |
| Assets per employee ($millions) | 4.2335% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 2,882 |
| Loan loss allowance to noncurrent loans | 146.8662% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 2,187 |
| Noncurrent loans to loans | 1.0627% | 3,301 |
| Net loans and leases to total assets | 57.0503% | 3,997 |
| Net loans and leases to deposits | 62.9750% | 4,434 |
| Net loans and leases to core deposits | 69.6550% | 4,134 |
| Total domestic deposits to total assets | 90.5920% | 746 |
| Equity capital to assets | 7.9781% | 6,074 |
| Core capital (leverage) ratio | 7.8915% | 6,181 |
| Tier 1 risk-based capital ratio | 11.5516% | 5,886 |
| Total risk-based capital ratio | 12.7916% | 5,846 |
| Memoranda: | ||
| Average total assets | $171,514,500 | 3,382 |
| Average earning assets | $160,187,500 | 3,345 |
| Average equity | $13,656,000 | 4,116 |
| Average total loans | $101,266,500 | 3,442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,524 |
| Cost of funding earning assets | 0.4061% | 4,576 |
| Net interest margin | 3.7482% | 2,855 |
| Noninterest income to average assets | 0.9360% | 1,562 |
| Noninterest expense to average assets | 4.1441% | 737 |
| Loan and lease loss provision to assets | 0.1066% | 3,016 |
| Net operating income to assets | 0.1516% | 5,940 |
| Return on assets (ROA) | 0.2463% | 5,767 |
| Pretax return on assets | 0.3144% | 5,691 |
| Return on Equity (ROE) | 2.9923% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.9923% | 4,113 |
| Net charge-offs to loans | 0.4138% | 1,618 |
| Credit loss provision to net charge-offs | 42.9594% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.2076% | 4,670 |
| Efficiency ratio | 93.2587% | 792 |
| Assets per employee ($millions) | 4.2364% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 1,416 |
| Loan loss allowance to noncurrent loans | 165.9558% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 1,973 |
| Noncurrent loans to loans | 1.2419% | 3,063 |
| Net loans and leases to total assets | 58.9169% | 3,885 |
| Net loans and leases to deposits | 65.7688% | 4,323 |
| Net loans and leases to core deposits | 68.0970% | 4,503 |
| Total domestic deposits to total assets | 89.5818% | 1,281 |
| Equity capital to assets | 7.9455% | 6,061 |
| Core capital (leverage) ratio | 7.8676% | 6,211 |
| Tier 1 risk-based capital ratio | 11.6164% | 5,847 |
| Total risk-based capital ratio | 12.8724% | 5,781 |
| Memoranda: | ||
| Average total assets | $168,916,800 | 3,425 |
| Average earning assets | $158,076,800 | 3,375 |
| Average equity | $13,902,200 | 4,087 |
| Average total loans | $101,264,600 | 3,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,764 |
| Cost of funding earning assets | 0.4178% | 4,644 |
| Net interest margin | 3.6810% | 3,099 |
| Noninterest income to average assets | 1.0641% | 1,291 |
| Noninterest expense to average assets | 4.2136% | 677 |
| Loan and lease loss provision to assets | 0.0893% | 3,274 |
| Net operating income to assets | 0.1525% | 6,031 |
| Return on assets (ROA) | 0.2401% | 5,893 |
| Pretax return on assets | 0.3247% | 5,808 |
| Return on Equity (ROE) | 2.8927% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.8927% | 4,595 |
| Net charge-offs to loans | 0.5183% | 1,244 |
| Credit loss provision to net charge-offs | 28.7532% | 3,919 |
| Earnings coverage of net charge-offs (x) | 0.9516% | 4,529 |
| Efficiency ratio | 93.4478% | 768 |
| Assets per employee ($millions) | 4.3033% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1000% | 1,501 |
| Loan loss allowance to noncurrent loans | 80.9430% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.6748% | 1,411 |
| Noncurrent loans to loans | 2.5945% | 1,641 |
| Net loans and leases to total assets | 57.2217% | 4,138 |
| Net loans and leases to deposits | 64.1527% | 4,504 |
| Net loans and leases to core deposits | 67.3455% | 4,586 |
| Total domestic deposits to total assets | 89.1961% | 1,458 |
| Equity capital to assets | 8.0946% | 6,080 |
| Core capital (leverage) ratio | 8.1458% | 6,113 |
| Tier 1 risk-based capital ratio | 11.8754% | 5,860 |
| Total risk-based capital ratio | 13.1319% | 5,794 |
| Memoranda: | ||
| Average total assets | $168,782,500 | 3,470 |
| Average earning assets | $157,960,750 | 3,410 |
| Average equity | $14,011,750 | 4,111 |
| Average total loans | $101,096,250 | 3,453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 3,728 |
| Cost of funding earning assets | 0.4282% | 4,677 |
| Net interest margin | 3.6734% | 3,070 |
| Noninterest income to average assets | 1.2360% | 1,019 |
| Noninterest expense to average assets | 4.3536% | 594 |
| Loan and lease loss provision to assets | 0.1336% | 2,652 |
| Net operating income to assets | 0.1372% | 6,048 |
| Return on assets (ROA) | 0.2649% | 5,863 |
| Pretax return on assets | 0.3655% | 5,716 |
| Return on Equity (ROE) | 3.1652% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.1652% | 4,302 |
| Net charge-offs to loans | 0.4780% | 1,382 |
| Credit loss provision to net charge-offs | 46.3115% | 3,285 |
| Earnings coverage of net charge-offs (x) | 1.1148% | 4,163 |
| Efficiency ratio | 93.1192% | 808 |
| Assets per employee ($millions) | 3.9997% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2559% | 1,325 |
| Loan loss allowance to noncurrent loans | 124.1709% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 1,952 |
| Noncurrent loans to loans | 1.8168% | 2,618 |
| Net loans and leases to total assets | 56.9768% | 4,139 |
| Net loans and leases to deposits | 62.9662% | 4,630 |
| Net loans and leases to core deposits | 66.2287% | 4,668 |
| Total domestic deposits to total assets | 90.4879% | 763 |
| Equity capital to assets | 8.1489% | 6,096 |
| Core capital (leverage) ratio | 7.9390% | 6,223 |
| Tier 1 risk-based capital ratio | 11.9697% | 5,807 |
| Total risk-based capital ratio | 13.2282% | 5,754 |
| Memoranda: | ||
| Average total assets | $169,100,670 | 3,478 |
| Average earning assets | $158,328,670 | 3,424 |
| Average equity | $14,154,000 | 4,117 |
| Average total loans | $102,097,000 | 3,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,380 |
| Cost of funding earning assets | 0.4528% | 4,563 |
| Net interest margin | 3.7278% | 2,745 |
| Noninterest income to average assets | 1.5702% | 625 |
| Noninterest expense to average assets | 4.4937% | 542 |
| Loan and lease loss provision to assets | 0.1061% | 2,919 |
| Net operating income to assets | 0.3270% | 5,459 |
| Return on assets (ROA) | 0.4409% | 5,117 |
| Pretax return on assets | 0.6271% | 4,851 |
| Return on Equity (ROE) | 5.1993% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.1993% | 3,111 |
| Net charge-offs to loans | 1.1326% | 527 |
| Credit loss provision to net charge-offs | 15.2542% | 3,101 |
| Earnings coverage of net charge-offs (x) | 0.8203% | 3,555 |
| Efficiency ratio | 88.7337% | 1,255 |
| Assets per employee ($millions) | 4.3788% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 1,965 |
| Loan loss allowance to noncurrent loans | 123.1585% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2392% | 2,084 |
| Noncurrent loans to loans | 1.6490% | 3,072 |
| Net loans and leases to total assets | 60.5910% | 3,328 |
| Net loans and leases to deposits | 67.3231% | 3,870 |
| Net loans and leases to core deposits | 69.5893% | 4,129 |
| Total domestic deposits to total assets | 90.0004% | 1,051 |
| Equity capital to assets | 8.6685% | 5,846 |
| Core capital (leverage) ratio | 7.7897% | 6,300 |
| Tier 1 risk-based capital ratio | 11.7542% | 6,063 |
| Total risk-based capital ratio | 13.0118% | 6,033 |
| Memoranda: | ||
| Average total assets | $169,658,000 | 3,498 |
| Average earning assets | $159,021,000 | 3,450 |
| Average equity | $14,386,500 | 4,120 |
| Average total loans | $104,184,500 | 3,414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 3,125 |
| Cost of funding earning assets | 0.6549% | 3,873 |
| Net interest margin | 3.9148% | 2,763 |
| Noninterest income to average assets | 1.3636% | 838 |
| Noninterest expense to average assets | 4.4920% | 585 |
| Loan and lease loss provision to assets | 0.1460% | 3,776 |
| Net operating income to assets | 0.2599% | 5,599 |
| Return on assets (ROA) | 0.5972% | 4,514 |
| Pretax return on assets | 0.8451% | 4,131 |
| Return on Equity (ROE) | 7.1459% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1459% | 1,499 |
| Net charge-offs to loans | 0.5797% | 1,991 |
| Credit loss provision to net charge-offs | 39.2000% | 4,945 |
| Earnings coverage of net charge-offs (x) | 1.3856% | 4,763 |
| Efficiency ratio | 89.6942% | 1,092 |
| Assets per employee ($millions) | 4.2176% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 1,528 |
| Loan loss allowance to noncurrent loans | 115.8416% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3560% | 2,085 |
| Noncurrent loans to loans | 1.9155% | 2,787 |
| Net loans and leases to total assets | 59.6334% | 3,668 |
| Net loans and leases to deposits | 66.5209% | 4,201 |
| Net loans and leases to core deposits | 69.6066% | 4,366 |
| Total domestic deposits to total assets | 89.6461% | 1,158 |
| Equity capital to assets | 8.2981% | 6,202 |
| Core capital (leverage) ratio | 7.6152% | 6,440 |
| Tier 1 risk-based capital ratio | 11.3689% | 6,178 |
| Total risk-based capital ratio | 12.6275% | 6,148 |
| Memoranda: | ||
| Average total assets | $167,787,600 | 3,491 |
| Average earning assets | $156,201,600 | 3,441 |
| Average equity | $14,022,000 | 4,154 |
| Average total loans | $107,813,600 | 3,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 2,893 |
| Cost of funding earning assets | 0.7026% | 3,746 |
| Net interest margin | 3.9774% | 2,591 |
| Noninterest income to average assets | 1.2636% | 926 |
| Noninterest expense to average assets | 4.4738% | 554 |
| Loan and lease loss provision to assets | 0.1602% | 3,514 |
| Net operating income to assets | 0.2234% | 5,853 |
| Return on assets (ROA) | 0.6574% | 4,373 |
| Pretax return on assets | 0.9625% | 3,862 |
| Return on Equity (ROE) | 7.8524% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.8524% | 1,683 |
| Net charge-offs to loans | 0.7466% | 1,485 |
| Credit loss provision to net charge-offs | 32.9489% | 4,750 |
| Earnings coverage of net charge-offs (x) | 0.9967% | 4,822 |
| Efficiency ratio | 90.2293% | 1,023 |
| Assets per employee ($millions) | 4.1280% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1877% | 1,729 |
| Loan loss allowance to noncurrent loans | 77.1257% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 3.0051% | 1,740 |
| Noncurrent loans to loans | 2.8366% | 1,983 |
| Net loans and leases to total assets | 61.1022% | 3,552 |
| Net loans and leases to deposits | 68.9774% | 4,034 |
| Net loans and leases to core deposits | 72.2935% | 4,212 |
| Total domestic deposits to total assets | 88.5829% | 1,668 |
| Equity capital to assets | 8.4297% | 6,320 |
| Core capital (leverage) ratio | 7.3369% | 6,702 |
| Tier 1 risk-based capital ratio | 11.1189% | 6,434 |
| Total risk-based capital ratio | 12.3772% | 6,399 |
| Memoranda: | ||
| Average total assets | $166,504,500 | 3,544 |
| Average earning assets | $154,670,500 | 3,509 |
| Average equity | $13,940,250 | 4,206 |
| Average total loans | $108,402,500 | 3,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,664 |
| Cost of funding earning assets | 0.7444% | 3,650 |
| Net interest margin | 4.0191% | 2,421 |
| Noninterest income to average assets | 1.2223% | 961 |
| Noninterest expense to average assets | 4.2659% | 674 |
| Loan and lease loss provision to assets | 0.1606% | 3,507 |
| Net operating income to assets | 0.3474% | 5,443 |
| Return on assets (ROA) | 0.7428% | 3,911 |
| Pretax return on assets | 1.1184% | 3,236 |
| Return on Equity (ROE) | 8.8929% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.8929% | 1,311 |
| Net charge-offs to loans | 0.7137% | 1,555 |
| Credit loss provision to net charge-offs | 34.1026% | 4,376 |
| Earnings coverage of net charge-offs (x) | 1.4436% | 4,273 |
| Efficiency ratio | 86.2515% | 1,410 |
| Assets per employee ($millions) | 4.3651% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,607 |
| Loan loss allowance to noncurrent loans | 112.2096% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 2.7520% | 2,003 |
| Noncurrent loans to loans | 2.0400% | 2,904 |
| Net loans and leases to total assets | 61.7558% | 3,489 |
| Net loans and leases to deposits | 69.9758% | 3,897 |
| Net loans and leases to core deposits | 73.7517% | 4,065 |
| Total domestic deposits to total assets | 88.2531% | 1,984 |
| Equity capital to assets | 8.2466% | 6,417 |
| Core capital (leverage) ratio | 7.5636% | 6,591 |
| Tier 1 risk-based capital ratio | 10.4968% | 6,696 |
| Total risk-based capital ratio | 11.7561% | 6,676 |
| Memoranda: | ||
| Average total assets | $165,590,670 | 3,575 |
| Average earning assets | $153,415,670 | 3,547 |
| Average equity | $13,831,330 | 4,226 |
| Average total loans | $109,294,670 | 3,356 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 2,388 |
| Cost of funding earning assets | 0.7666% | 3,726 |
| Net interest margin | 4.0958% | 2,104 |
| Noninterest income to average assets | 1.1882% | 1,014 |
| Noninterest expense to average assets | 4.1086% | 818 |
| Loan and lease loss provision to assets | 0.1617% | 3,365 |
| Net operating income to assets | 0.4522% | 5,026 |
| Return on assets (ROA) | 1.2299% | 1,838 |
| Pretax return on assets | 1.9159% | 849 |
| Return on Equity (ROE) | 14.6276% | 1,053 |
| Retained earnings to average equity (ytd only) | 14.6276% | 493 |
| Net charge-offs to loans | 1.2529% | 808 |
| Credit loss provision to net charge-offs | 19.1304% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.0203% | 3,815 |
| Efficiency ratio | 82.6516% | 1,853 |
| Assets per employee ($millions) | 4.0855% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1923% | 1,895 |
| Loan loss allowance to noncurrent loans | 67.9188% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 4.0210% | 1,365 |
| Noncurrent loans to loans | 3.2278% | 1,987 |
| Net loans and leases to total assets | 66.6408% | 2,360 |
| Net loans and leases to deposits | 75.9028% | 2,807 |
| Net loans and leases to core deposits | 78.4706% | 3,267 |
| Total domestic deposits to total assets | 87.7975% | 2,459 |
| Equity capital to assets | 8.4923% | 6,085 |
| Core capital (leverage) ratio | 7.4984% | 6,635 |
| Tier 1 risk-based capital ratio | 9.8128% | 6,914 |
| Total risk-based capital ratio | 11.0721% | 6,914 |
| Memoranda: | ||
| Average total assets | $163,266,000 | 3,634 |
| Average earning assets | $150,787,000 | 3,605 |
| Average equity | $13,727,500 | 4,250 |
| Average total loans | $110,144,000 | 3,350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 2,552 |
| Cost of funding earning assets | 0.9196% | 3,963 |
| Net interest margin | 4.1554% | 2,212 |
| Noninterest income to average assets | 0.7752% | 2,196 |
| Noninterest expense to average assets | 4.2940% | 723 |
| Loan and lease loss provision to assets | 1.5792% | 451 |
| Net operating income to assets | -0.9773% | 6,729 |
| Return on assets (ROA) | -0.8016% | 6,687 |
| Pretax return on assets | -1.0339% | 6,745 |
| Return on Equity (ROE) | -10.0118% | 6,742 |
| Retained earnings to average equity (ytd only) | -10.0118% | 6,705 |
| Net charge-offs to loans | 2.4288% | 488 |
| Credit loss provision to net charge-offs | 98.4318% | 3,651 |
| Earnings coverage of net charge-offs (x) | 0.1995% | 5,684 |
| Efficiency ratio | 93.0637% | 978 |
| Assets per employee ($millions) | 4.1824% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4967% | 1,319 |
| Loan loss allowance to noncurrent loans | 71.1856% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 4.1548% | 1,365 |
| Noncurrent loans to loans | 3.5073% | 1,829 |
| Net loans and leases to total assets | 65.1226% | 2,952 |
| Net loans and leases to deposits | 73.8934% | 3,516 |
| Net loans and leases to core deposits | 76.1653% | 3,959 |
| Total domestic deposits to total assets | 88.1304% | 2,072 |
| Equity capital to assets | 8.3236% | 6,327 |
| Core capital (leverage) ratio | 6.9266% | 6,885 |
| Tier 1 risk-based capital ratio | 9.3889% | 6,979 |
| Total risk-based capital ratio | 10.6503% | 6,972 |
| Memoranda: | ||
| Average total assets | $170,914,400 | 3,474 |
| Average earning assets | $157,889,200 | 3,443 |
| Average equity | $13,683,800 | 4,195 |
| Average total loans | $112,893,400 | 3,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 2,704 |
| Cost of funding earning assets | 0.9405% | 4,107 |
| Net interest margin | 4.1405% | 2,304 |
| Noninterest income to average assets | 0.5985% | 3,166 |
| Noninterest expense to average assets | 4.1419% | 849 |
| Loan and lease loss provision to assets | 1.5171% | 451 |
| Net operating income to assets | -0.8386% | 6,816 |
| Return on assets (ROA) | -0.6471% | 6,760 |
| Pretax return on assets | -0.9556% | 6,857 |
| Return on Equity (ROE) | -8.1590% | 6,816 |
| Retained earnings to average equity (ytd only) | -8.1590% | 6,769 |
| Net charge-offs to loans | 2.3451% | 488 |
| Credit loss provision to net charge-offs | 98.2027% | 3,479 |
| Earnings coverage of net charge-offs (x) | 0.1812% | 5,463 |
| Efficiency ratio | 93.6682% | 934 |
| Assets per employee ($millions) | 4.4705% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4559% | 1,457 |
| Loan loss allowance to noncurrent loans | 66.3988% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 4.0510% | 1,511 |
| Noncurrent loans to loans | 3.6987% | 1,844 |
| Net loans and leases to total assets | 62.1227% | 3,692 |
| Net loans and leases to deposits | 71.0893% | 4,129 |
| Net loans and leases to core deposits | 76.7461% | 4,090 |
| Total domestic deposits to total assets | 87.3869% | 2,411 |
| Equity capital to assets | 8.1141% | 6,627 |
| Core capital (leverage) ratio | 7.1474% | 6,914 |
| Tier 1 risk-based capital ratio | 9.8199% | 6,999 |
| Total risk-based capital ratio | 11.0818% | 6,988 |
| Memoranda: | ||
| Average total assets | $172,864,500 | 3,468 |
| Average earning assets | $159,621,500 | 3,433 |
| Average equity | $13,710,500 | 4,187 |
| Average total loans | $113,880,750 | 3,323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 2,532 |
| Cost of funding earning assets | 0.9782% | 4,106 |
| Net interest margin | 4.1569% | 2,202 |
| Noninterest income to average assets | 0.6173% | 3,017 |
| Noninterest expense to average assets | 4.0030% | 1,049 |
| Loan and lease loss provision to assets | 2.2115% | 259 |
| Net operating income to assets | -1.2103% | 7,007 |
| Return on assets (ROA) | -1.1615% | 7,001 |
| Pretax return on assets | -1.6952% | 7,110 |
| Return on Equity (ROE) | -14.7586% | 7,057 |
| Retained earnings to average equity (ytd only) | -14.7586% | 7,028 |
| Net charge-offs to loans | 3.6507% | 241 |
| Credit loss provision to net charge-offs | 90.9351% | 3,430 |
| Earnings coverage of net charge-offs (x) | 0.1832% | 5,171 |
| Efficiency ratio | 89.9844% | 1,240 |
| Assets per employee ($millions) | 4.2620% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,772 |
| Loan loss allowance to noncurrent loans | 78.8780% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.4039% | 1,939 |
| Noncurrent loans to loans | 2.8975% | 2,519 |
| Net loans and leases to total assets | 62.9534% | 3,687 |
| Net loans and leases to deposits | 71.8036% | 4,144 |
| Net loans and leases to core deposits | 77.4745% | 4,123 |
| Total domestic deposits to total assets | 87.6744% | 2,357 |
| Equity capital to assets | 7.8293% | 6,787 |
| Core capital (leverage) ratio | 7.1245% | 6,947 |
| Tier 1 risk-based capital ratio | 9.8181% | 7,027 |
| Total risk-based capital ratio | 11.0783% | 7,025 |
| Memoranda: | ||
| Average total assets | $172,369,330 | 3,493 |
| Average earning assets | $158,870,000 | 3,462 |
| Average equity | $13,565,000 | 4,209 |
| Average total loans | $114,828,330 | 3,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 1,698 |
| Cost of funding earning assets | 1.0299% | 3,989 |
| Net interest margin | 4.3308% | 1,464 |
| Noninterest income to average assets | 0.3038% | 5,495 |
| Noninterest expense to average assets | 4.1055% | 915 |
| Loan and lease loss provision to assets | 4.1827% | 95 |
| Net operating income to assets | -2.7587% | 7,374 |
| Return on assets (ROA) | -2.7409% | 7,373 |
| Pretax return on assets | -3.9794% | 7,436 |
| Return on Equity (ROE) | -34.7375% | 7,354 |
| Retained earnings to average equity (ytd only) | -34.7375% | 7,330 |
| Net charge-offs to loans | 6.3543% | 98 |
| Credit loss provision to net charge-offs | 97.1770% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.0413% | 4,554 |
| Efficiency ratio | 95.8538% | 929 |
| Assets per employee ($millions) | 4.2453% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3766% | 1,637 |
| Loan loss allowance to noncurrent loans | 72.8959% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 4.1128% | 1,615 |
| Noncurrent loans to loans | 3.2603% | 2,304 |
| Net loans and leases to total assets | 65.5792% | 3,113 |
| Net loans and leases to deposits | 74.6881% | 3,652 |
| Net loans and leases to core deposits | 80.0184% | 3,759 |
| Total domestic deposits to total assets | 87.8040% | 2,483 |
| Equity capital to assets | 7.6803% | 6,763 |
| Core capital (leverage) ratio | 6.8839% | 7,052 |
| Tier 1 risk-based capital ratio | 9.4431% | 7,157 |
| Total risk-based capital ratio | 10.7048% | 7,161 |
| Memoranda: | ||
| Average total assets | $171,183,000 | 3,537 |
| Average earning assets | $157,293,000 | 3,515 |
| Average equity | $13,507,000 | 4,220 |
| Average total loans | $115,953,000 | 3,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 2,082 |
| Cost of funding earning assets | 1.3494% | 3,579 |
| Net interest margin | 4.2007% | 2,185 |
| Noninterest income to average assets | 0.8654% | 1,994 |
| Noninterest expense to average assets | 3.8679% | 1,368 |
| Loan and lease loss provision to assets | 1.0001% | 1,622 |
| Net operating income to assets | -0.0081% | 5,850 |
| Return on assets (ROA) | 0.4058% | 4,650 |
| Pretax return on assets | 0.2931% | 5,246 |
| Return on Equity (ROE) | 4.9716% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.9716% | 2,422 |
| Net charge-offs to loans | 2.2409% | 870 |
| Credit loss provision to net charge-offs | 64.0266% | 6,008 |
| Earnings coverage of net charge-offs (x) | 0.5629% | 5,547 |
| Efficiency ratio | 81.4783% | 2,225 |
| Assets per employee ($millions) | 3.9217% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,621 |
| Loan loss allowance to noncurrent loans | 61.0203% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.1488% | 1,615 |
| Noncurrent loans to loans | 3.8427% | 1,915 |
| Net loans and leases to total assets | 66.6868% | 3,304 |
| Net loans and leases to deposits | 76.2102% | 3,808 |
| Net loans and leases to core deposits | 83.0521% | 3,737 |
| Total domestic deposits to total assets | 87.5038% | 2,545 |
| Equity capital to assets | 8.0971% | 6,385 |
| Core capital (leverage) ratio | 8.1871% | 5,846 |
| Tier 1 risk-based capital ratio | 11.5003% | 5,913 |
| Total risk-based capital ratio | 12.7700% | 5,898 |
| Memoranda: | ||
| Average total assets | $172,986,200 | 3,486 |
| Average earning assets | $159,852,800 | 3,456 |
| Average equity | $14,120,200 | 4,115 |
| Average total loans | $120,579,000 | 3,303 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 2,668 |
| Cost of funding earning assets | 1.4003% | 3,583 |
| Net interest margin | 4.0451% | 2,882 |
| Noninterest income to average assets | 0.4814% | 4,325 |
| Noninterest expense to average assets | 3.4293% | 2,209 |
| Loan and lease loss provision to assets | 0.7395% | 2,066 |
| Net operating income to assets | 0.0442% | 5,896 |
| Return on assets (ROA) | 0.3936% | 4,958 |
| Pretax return on assets | 0.4922% | 4,953 |
| Return on Equity (ROE) | 4.8125% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.8125% | 3,118 |
| Net charge-offs to loans | 1.7064% | 1,145 |
| Credit loss provision to net charge-offs | 61.8557% | 5,641 |
| Earnings coverage of net charge-offs (x) | 0.6650% | 5,380 |
| Efficiency ratio | 81.1816% | 2,172 |
| Assets per employee ($millions) | 3.9710% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6289% | 1,169 |
| Loan loss allowance to noncurrent loans | 104.9416% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 2.4833% | 2,888 |
| Noncurrent loans to loans | 2.5051% | 3,111 |
| Net loans and leases to total assets | 66.6249% | 3,542 |
| Net loans and leases to deposits | 76.3857% | 4,110 |
| Net loans and leases to core deposits | 84.8817% | 3,824 |
| Total domestic deposits to total assets | 87.2217% | 2,413 |
| Equity capital to assets | 8.3920% | 6,404 |
| Core capital (leverage) ratio | 8.1478% | 6,124 |
| Tier 1 risk-based capital ratio | 11.3474% | 6,055 |
| Total risk-based capital ratio | 12.6130% | 6,030 |
| Memoranda: | ||
| Average total assets | $173,093,750 | 3,529 |
| Average earning assets | $160,156,750 | 3,496 |
| Average equity | $14,157,250 | 4,173 |
| Average total loans | $121,265,000 | 3,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 2,506 |
| Cost of funding earning assets | 1.4474% | 3,576 |
| Net interest margin | 4.0533% | 2,773 |
| Noninterest income to average assets | 0.4439% | 4,571 |
| Noninterest expense to average assets | 3.4019% | 2,259 |
| Loan and lease loss provision to assets | 0.9041% | 1,612 |
| Net operating income to assets | -0.0920% | 6,217 |
| Return on assets (ROA) | 0.2480% | 5,523 |
| Pretax return on assets | 0.3222% | 5,445 |
| Return on Equity (ROE) | 3.0596% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.0596% | 4,151 |
| Net charge-offs to loans | 2.5772% | 657 |
| Credit loss provision to net charge-offs | 49.6815% | 5,424 |
| Earnings coverage of net charge-offs (x) | 0.4312% | 5,293 |
| Efficiency ratio | 81.2569% | 2,268 |
| Assets per employee ($millions) | 4.0133% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4729% | 1,334 |
| Loan loss allowance to noncurrent loans | 108.7117% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.3515% | 3,072 |
| Noncurrent loans to loans | 2.2747% | 3,401 |
| Net loans and leases to total assets | 67.3027% | 3,550 |
| Net loans and leases to deposits | 77.0604% | 4,150 |
| Net loans and leases to core deposits | 86.1829% | 3,805 |
| Total domestic deposits to total assets | 87.3376% | 2,362 |
| Equity capital to assets | 8.2562% | 6,473 |
| Core capital (leverage) ratio | 8.0940% | 6,130 |
| Tier 1 risk-based capital ratio | 11.2036% | 6,034 |
| Total risk-based capital ratio | 12.4411% | 6,039 |
| Memoranda: | ||
| Average total assets | $172,549,670 | 3,560 |
| Average earning assets | $159,325,330 | 3,530 |
| Average equity | $13,988,670 | 4,201 |
| Average total loans | $121,835,330 | 3,369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,428 |
| Cost of funding earning assets | 1.4713% | 3,729 |
| Net interest margin | 4.0644% | 2,590 |
| Noninterest income to average assets | 0.2712% | 5,986 |
| Noninterest expense to average assets | 3.3987% | 2,238 |
| Loan and lease loss provision to assets | 1.4606% | 808 |
| Net operating income to assets | -0.8021% | 7,005 |
| Return on assets (ROA) | 0.0811% | 6,185 |
| Pretax return on assets | 0.0417% | 6,277 |
| Return on Equity (ROE) | 1.0102% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.0102% | 5,405 |
| Net charge-offs to loans | 3.1914% | 466 |
| Credit loss provision to net charge-offs | 64.0895% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.2716% | 4,801 |
| Efficiency ratio | 84.5932% | 1,967 |
| Assets per employee ($millions) | 4.0300% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7910% | 998 |
| Loan loss allowance to noncurrent loans | 103.2672% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 2.8046% | 2,593 |
| Noncurrent loans to loans | 2.7027% | 2,965 |
| Net loans and leases to total assets | 69.5929% | 3,037 |
| Net loans and leases to deposits | 79.6787% | 3,714 |
| Net loans and leases to core deposits | 89.4954% | 3,430 |
| Total domestic deposits to total assets | 87.3420% | 2,439 |
| Equity capital to assets | 8.1703% | 6,471 |
| Core capital (leverage) ratio | 7.9687% | 6,280 |
| Tier 1 risk-based capital ratio | 11.0967% | 6,064 |
| Total risk-based capital ratio | 12.3654% | 6,018 |
| Memoranda: | ||
| Average total assets | $172,537,500 | 3,619 |
| Average earning assets | $159,038,000 | 3,584 |
| Average equity | $13,859,000 | 4,271 |
| Average total loans | $123,207,000 | 3,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 1,383 |
| Cost of funding earning assets | 2.1362% | 2,300 |
| Net interest margin | 4.0100% | 2,818 |
| Noninterest income to average assets | 0.4339% | 4,919 |
| Noninterest expense to average assets | 3.9573% | 1,426 |
| Loan and lease loss provision to assets | 2.8998% | 621 |
| Net operating income to assets | -1.8639% | 7,033 |
| Return on assets (ROA) | -1.5965% | 6,904 |
| Pretax return on assets | -2.5199% | 7,148 |
| Return on Equity (ROE) | -19.0187% | 7,109 |
| Retained earnings to average equity (ytd only) | -19.0187% | 7,066 |
| Net charge-offs to loans | 2.3849% | 959 |
| Credit loss provision to net charge-offs | 170.1926% | 2,509 |
| Earnings coverage of net charge-offs (x) | -0.0222% | 6,230 |
| Efficiency ratio | 100.9651% | 1,057 |
| Assets per employee ($millions) | 4.0887% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9823% | 786 |
| Loan loss allowance to noncurrent loans | 100.5113% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9980% | 2,335 |
| Noncurrent loans to loans | 2.9671% | 2,593 |
| Net loans and leases to total assets | 69.1090% | 3,459 |
| Net loans and leases to deposits | 78.6953% | 4,236 |
| Net loans and leases to core deposits | 97.2616% | 4,319 |
| Total domestic deposits to total assets | 87.8184% | 2,067 |
| Equity capital to assets | 7.8998% | 6,673 |
| Core capital (leverage) ratio | 7.7661% | 6,490 |
| Tier 1 risk-based capital ratio | 10.9682% | 5,940 |
| Total risk-based capital ratio | 12.2399% | 5,896 |
| Memoranda: | ||
| Average total assets | $179,768,400 | 3,444 |
| Average earning assets | $156,261,000 | 3,590 |
| Average equity | $15,090,400 | 4,045 |
| Average total loans | $128,433,800 | 3,300 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2761% | 1,186 |
| Cost of funding earning assets | 2.2893% | 2,022 |
| Net interest margin | 3.9869% | 2,868 |
| Noninterest income to average assets | 0.5326% | 4,216 |
| Noninterest expense to average assets | 3.9109% | 1,411 |
| Loan and lease loss provision to assets | 2.2225% | 774 |
| Net operating income to assets | -1.3872% | 7,058 |
| Return on assets (ROA) | -1.0747% | 6,886 |
| Pretax return on assets | -1.6980% | 7,046 |
| Return on Equity (ROE) | -12.6220% | 7,054 |
| Retained earnings to average equity (ytd only) | -12.6220% | 6,988 |
| Net charge-offs to loans | 2.1449% | 900 |
| Credit loss provision to net charge-offs | 144.9254% | 3,356 |
| Earnings coverage of net charge-offs (x) | 0.0236% | 6,031 |
| Efficiency ratio | 99.0843% | 1,108 |
| Assets per employee ($millions) | 4.1468% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 1,921 |
| Loan loss allowance to noncurrent loans | 55.6439% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.2975% | 2,050 |
| Noncurrent loans to loans | 3.4922% | 2,142 |
| Net loans and leases to total assets | 72.9852% | 2,798 |
| Net loans and leases to deposits | 85.2725% | 3,454 |
| Net loans and leases to core deposits | 108.0699% | 3,462 |
| Total domestic deposits to total assets | 85.5906% | 2,923 |
| Equity capital to assets | 8.2124% | 6,624 |
| Core capital (leverage) ratio | 7.6037% | 6,856 |
| Tier 1 risk-based capital ratio | 10.7893% | 6,171 |
| Total risk-based capital ratio | 12.0479% | 6,126 |
| Memoranda: | ||
| Average total assets | $180,756,750 | 3,455 |
| Average earning assets | $154,804,750 | 3,639 |
| Average equity | $15,390,750 | 4,028 |
| Average total loans | $129,232,500 | 3,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5080% | 808 |
| Cost of funding earning assets | 2.3693% | 2,081 |
| Net interest margin | 4.1387% | 2,199 |
| Noninterest income to average assets | 0.6690% | 3,200 |
| Noninterest expense to average assets | 3.3987% | 2,633 |
| Loan and lease loss provision to assets | 0.6734% | 2,412 |
| Net operating income to assets | 0.0314% | 5,751 |
| Return on assets (ROA) | 0.3815% | 4,680 |
| Pretax return on assets | 0.5663% | 4,420 |
| Return on Equity (ROE) | 4.4308% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.4308% | 2,831 |
| Net charge-offs to loans | 0.5577% | 2,656 |
| Credit loss provision to net charge-offs | 171.1111% | 2,690 |
| Earnings coverage of net charge-offs (x) | 1.8222% | 4,202 |
| Efficiency ratio | 82.5764% | 2,656 |
| Assets per employee ($millions) | 4.3493% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 3,662 |
| Loan loss allowance to noncurrent loans | 42.1474% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 2.9966% | 2,122 |
| Noncurrent loans to loans | 3.3494% | 2,100 |
| Net loans and leases to total assets | 70.3834% | 3,612 |
| Net loans and leases to deposits | 87.6695% | 3,227 |
| Net loans and leases to core deposits | 111.3623% | 3,218 |
| Total domestic deposits to total assets | 80.2826% | 5,359 |
| Equity capital to assets | 8.6314% | 5,848 |
| Core capital (leverage) ratio | 8.5319% | 5,387 |
| Tier 1 risk-based capital ratio | 11.6404% | 5,251 |
| Total risk-based capital ratio | 12.8919% | 5,181 |
| Memoranda: | ||
| Average total assets | $182,954,330 | 3,440 |
| Average earning assets | $152,365,670 | 3,698 |
| Average equity | $15,753,330 | 3,969 |
| Average total loans | $129,099,000 | 3,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4597% | 935 |
| Cost of funding earning assets | 2.4013% | 2,289 |
| Net interest margin | 4.0584% | 2,429 |
| Noninterest income to average assets | 0.6510% | 3,192 |
| Noninterest expense to average assets | 3.1918% | 3,024 |
| Loan and lease loss provision to assets | 0.5724% | 2,197 |
| Net operating income to assets | 0.1593% | 5,790 |
| Return on assets (ROA) | 0.2359% | 5,706 |
| Pretax return on assets | 0.3648% | 5,501 |
| Return on Equity (ROE) | 2.7435% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.7435% | 4,355 |
| Net charge-offs to loans | 0.5170% | 2,167 |
| Credit loss provision to net charge-offs | 157.8313% | 2,676 |
| Earnings coverage of net charge-offs (x) | 2.2590% | 3,604 |
| Efficiency ratio | 79.5752% | 2,893 |
| Assets per employee ($millions) | 4.6329% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 4,028 |
| Loan loss allowance to noncurrent loans | 59.1693% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.1299% | 2,706 |
| Noncurrent loans to loans | 2.2107% | 2,962 |
| Net loans and leases to total assets | 68.4399% | 4,035 |
| Net loans and leases to deposits | 86.4966% | 3,551 |
| Net loans and leases to core deposits | 110.6680% | 3,349 |
| Total domestic deposits to total assets | 79.1243% | 5,675 |
| Equity capital to assets | 8.5627% | 5,968 |
| Core capital (leverage) ratio | 8.5484% | 5,434 |
| Tier 1 risk-based capital ratio | 11.7004% | 5,205 |
| Total risk-based capital ratio | 12.9506% | 5,127 |
| Memoranda: | ||
| Average total assets | $183,096,000 | 3,461 |
| Average earning assets | $151,586,500 | 3,716 |
| Average equity | $15,746,500 | 3,994 |
| Average total loans | $128,443,000 | 3,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7272% | 1,932 |
| Cost of funding earning assets | 2.6690% | 3,319 |
| Net interest margin | 4.0582% | 2,882 |
| Noninterest income to average assets | 0.5059% | 4,575 |
| Noninterest expense to average assets | 3.2517% | 3,150 |
| Loan and lease loss provision to assets | 0.3993% | 3,294 |
| Net operating income to assets | 0.3506% | 5,351 |
| Return on assets (ROA) | 0.3110% | 5,318 |
| Pretax return on assets | 0.4326% | 5,174 |
| Return on Equity (ROE) | 3.6251% | 4,986 |
| Retained earnings to average equity (ytd only) | 1.6831% | 4,205 |
| Net charge-offs to loans | 0.3355% | 3,154 |
| Credit loss provision to net charge-offs | 167.2093% | 3,071 |
| Earnings coverage of net charge-offs (x) | 3.7140% | 4,247 |
| Efficiency ratio | 78.5695% | 2,832 |
| Assets per employee ($millions) | 4.3066% | 2,947 |
| Cash dividends to net income (ytd only)* | 53.5714% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 4,278 |
| Loan loss allowance to noncurrent loans | 87.5207% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 3,023 |
| Noncurrent loans to loans | 1.4107% | 3,699 |
| Net loans and leases to total assets | 70.0977% | 3,994 |
| Net loans and leases to deposits | 88.9892% | 3,640 |
| Net loans and leases to core deposits | 112.5452% | 3,506 |
| Total domestic deposits to total assets | 78.7711% | 5,457 |
| Equity capital to assets | 8.6385% | 5,882 |
| Core capital (leverage) ratio | 8.6700% | 5,251 |
| Tier 1 risk-based capital ratio | 11.7276% | 5,029 |
| Total risk-based capital ratio | 12.9362% | 4,964 |
| Memoranda: | ||
| Average total assets | $180,059,600 | 3,403 |
| Average earning assets | $161,181,000 | 3,451 |
| Average equity | $15,448,000 | 4,039 |
| Average total loans | $128,150,800 | 3,303 |