Home > Community Bank of the Bay > Performance and Condition Ratios
Community Bank of the Bay, 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 | 5.1924% | 1,682 |
| Cost of funding earning assets | 1.8851% | 1,095 |
| Net interest margin | 3.3072% | 2,615 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.3113% | 2,824 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8537% | 2,691 |
| Return on assets (ROA) | 0.8537% | 2,666 |
| Pretax return on assets | 1.1912% | 2,166 |
| Return on Equity (ROE) | 4.6300% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.7252% | 3,371 |
| Net charge-offs to loans | 0.1117% | 843 |
| Credit loss provision to net charge-offs | 72.5699% | 2,071 |
| Earnings coverage of net charge-offs (x) | 16.7297% | 1,992 |
| Efficiency ratio | 65.1677% | 2,458 |
| Assets per employee ($millions) | 10.2594% | 649 |
| Cash dividends to net income (ytd only)* | 41.1196% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 3,658 |
| Loan loss allowance to noncurrent loans | 86.9693% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 705 |
| Noncurrent loans to loans | 1.0551% | 696 |
| Net loans and leases to total assets | 68.7600% | 1,950 |
| Net loans and leases to deposits | 105.5136% | 308 |
| Net loans and leases to core deposits | 129.3599% | 409 |
| Total domestic deposits to total assets | 65.1700% | 4,389 |
| Equity capital to assets | 19.6130% | 293 |
| Core capital (leverage) ratio | 18.8131% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4542% | 282 |
| Memoranda: | ||
| Average total assets | $1,016,999,600 | 971 |
| Average earning assets | $974,679,600 | 929 |
| Average equity | $187,583,400 | 567 |
| Average total loans | $672,628,600 | 997 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 1,752 |
| Cost of funding earning assets | 1.8057% | 995 |
| Net interest margin | 3.2357% | 2,833 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.1675% | 3,157 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9381% | 2,553 |
| Return on assets (ROA) | 0.9381% | 2,541 |
| Pretax return on assets | 1.3224% | 1,971 |
| Return on Equity (ROE) | 5.1600% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.0922% | 3,236 |
| Net charge-offs to loans | 0.1374% | 593 |
| Credit loss provision to net charge-offs | 85.5491% | 1,727 |
| Earnings coverage of net charge-offs (x) | 15.5665% | 1,955 |
| Efficiency ratio | 60.7963% | 2,875 |
| Assets per employee ($millions) | 11.4570% | 439 |
| Cash dividends to net income (ytd only)* | 20.7469% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,647 |
| Loan loss allowance to noncurrent loans | 87.5954% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 844 |
| Noncurrent loans to loans | 1.0564% | 758 |
| Net loans and leases to total assets | 63.4300% | 2,512 |
| Net loans and leases to deposits | 93.6298% | 927 |
| Net loans and leases to core deposits | 117.1119% | 635 |
| Total domestic deposits to total assets | 67.7500% | 4,375 |
| Equity capital to assets | 17.7618% | 359 |
| Core capital (leverage) ratio | 18.6135% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3009% | 309 |
| Memoranda: | ||
| Average total assets | $1,027,589,000 | 963 |
| Average earning assets | $983,943,500 | 924 |
| Average equity | $186,690,000 | 565 |
| Average total loans | $671,681,500 | 996 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 1,746 |
| Cost of funding earning assets | 1.7011% | 881 |
| Net interest margin | 3.2069% | 2,975 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.0438% | 3,481 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.7931% | 3,103 |
| Return on assets (ROA) | 0.7931% | 3,109 |
| Pretax return on assets | 1.1116% | 2,612 |
| Return on Equity (ROE) | 4.3300% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.2556% | 3,409 |
| Net charge-offs to loans | 0.0362% | 1,177 |
| Credit loss provision to net charge-offs | -46.2810% | 4,528 |
| Earnings coverage of net charge-offs (x) | 46.0165% | 1,329 |
| Efficiency ratio | 65.0690% | 2,364 |
| Assets per employee ($millions) | 13.2540% | 285 |
| Cash dividends to net income (ytd only)* | 24.8447% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 3,726 |
| Loan loss allowance to noncurrent loans | 81.0923% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 712 |
| Noncurrent loans to loans | 1.1309% | 628 |
| Net loans and leases to total assets | 63.5400% | 2,429 |
| Net loans and leases to deposits | 93.4546% | 912 |
| Net loans and leases to core deposits | 112.9321% | 716 |
| Total domestic deposits to total assets | 67.9900% | 4,411 |
| Equity capital to assets | 17.6548% | 355 |
| Core capital (leverage) ratio | 19.0294% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1856% | 291 |
| Memoranda: | ||
| Average total assets | $1,014,950,333 | 963 |
| Average earning assets | $971,464,667 | 924 |
| Average equity | $185,835,667 | 559 |
| Average total loans | $668,172,000 | 987 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 1,523 |
| Cost of funding earning assets | 1.6078% | 687 |
| Net interest margin | 3.2329% | 3,032 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.9962% | 3,633 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8345% | 3,076 |
| Return on assets (ROA) | 0.8345% | 3,033 |
| Pretax return on assets | 1.1614% | 2,534 |
| Return on Equity (ROE) | 4.4700% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.3918% | 3,413 |
| Net charge-offs to loans | 0.0906% | 627 |
| Credit loss provision to net charge-offs | 26.0000% | 1,369 |
| Earnings coverage of net charge-offs (x) | 19.4667% | 1,467 |
| Efficiency ratio | 62.9065% | 2,583 |
| Assets per employee ($millions) | 12.9336% | 312 |
| Cash dividends to net income (ytd only)* | 24.1546% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,631 |
| Loan loss allowance to noncurrent loans | 4,595.0355% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,714 |
| Noncurrent loans to loans | 0.0211% | 3,624 |
| Net loans and leases to total assets | 65.4600% | 2,113 |
| Net loans and leases to deposits | 99.8449% | 451 |
| Net loans and leases to core deposits | 122.0399% | 392 |
| Total domestic deposits to total assets | 65.5600% | 4,490 |
| Equity capital to assets | 18.5068% | 285 |
| Core capital (leverage) ratio | 19.5402% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5242% | 330 |
| Memoranda: | ||
| Average total assets | $992,265,000 | 998 |
| Average earning assets | $949,871,000 | 953 |
| Average equity | $185,154,500 | 569 |
| Average total loans | $662,271,500 | 1,006 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 1,293 |
| Cost of funding earning assets | 0.5579% | 1,076 |
| Net interest margin | 3.6186% | 1,593 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.1221% | 3,232 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9882% | 2,611 |
| Return on assets (ROA) | 0.9882% | 2,562 |
| Pretax return on assets | 1.3954% | 1,778 |
| Return on Equity (ROE) | 6.3300% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.9666% | 3,729 |
| Net charge-offs to loans | -0.0360% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.5569% | 3,115 |
| Assets per employee ($millions) | 12.5091% | 347 |
| Cash dividends to net income (ytd only)* | 53.1055% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,137 |
| Loan loss allowance to noncurrent loans | 2,319.5286% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 3,506 |
| Noncurrent loans to loans | 0.0452% | 3,430 |
| Net loans and leases to total assets | 66.7000% | 1,958 |
| Net loans and leases to deposits | 92.0686% | 911 |
| Net loans and leases to core deposits | 110.1225% | 609 |
| Total domestic deposits to total assets | 72.4500% | 4,417 |
| Equity capital to assets | 18.8180% | 259 |
| Core capital (leverage) ratio | 19.2586% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1039% | 328 |
| Memoranda: | ||
| Average total assets | $876,576,200 | 1,102 |
| Average earning assets | $839,636,000 | 1,065 |
| Average equity | $136,924,800 | 720 |
| Average total loans | $581,268,600 | 1,054 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 1,474 |
| Cost of funding earning assets | 0.3802% | 1,439 |
| Net interest margin | 3.5235% | 1,599 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.1092% | 3,186 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9271% | 2,769 |
| Return on assets (ROA) | 0.9271% | 2,737 |
| Pretax return on assets | 1.3086% | 2,019 |
| Return on Equity (ROE) | 6.3000% | 3,736 |
| Retained earnings to average equity (ytd only) | 1.9405% | 4,045 |
| Net charge-offs to loans | -0.0545% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.6027% | 3,037 |
| Assets per employee ($millions) | 13.3429% | 281 |
| Cash dividends to net income (ytd only)* | 69.2217% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,763 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.2700% | 2,666 |
| Net loans and leases to deposits | 73.4702% | 2,095 |
| Net loans and leases to core deposits | 85.8811% | 1,528 |
| Total domestic deposits to total assets | 79.3100% | 4,156 |
| Equity capital to assets | 17.8524% | 280 |
| Core capital (leverage) ratio | 20.7617% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1075% | 247 |
| Memoranda: | ||
| Average total assets | $851,793,000 | 1,141 |
| Average earning assets | $816,706,000 | 1,095 |
| Average equity | $125,253,750 | 796 |
| Average total loans | $562,166,000 | 1,084 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 1,206 |
| Cost of funding earning assets | 0.2493% | 2,280 |
| Net interest margin | 3.6015% | 1,064 |
| Noninterest income to average assets | 0.1226% | 4,386 |
| Noninterest expense to average assets | 2.1953% | 2,877 |
| Loan and lease loss provision to assets | 0.1003% | 999 |
| Net operating income to assets | 0.9066% | 2,554 |
| Return on assets (ROA) | 0.9066% | 2,527 |
| Pretax return on assets | 1.2789% | 1,817 |
| Return on Equity (ROE) | 6.7804% | 3,370 |
| Retained earnings to average equity (ytd only) | 4.7178% | 2,809 |
| Net charge-offs to loans | -0.0803% | 4,384 |
| Credit loss provision to net charge-offs | -180.9955% | 3,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4154% | 3,123 |
| Assets per employee ($millions) | 12.6604% | 315 |
| Cash dividends to net income (ytd only)* | 30.4204% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.8370% | 1,716 |
| Net loans and leases to deposits | 86.7102% | 929 |
| Net loans and leases to core deposits | 100.9340% | 634 |
| Total domestic deposits to total assets | 75.9276% | 4,461 |
| Equity capital to assets | 20.9260% | 150 |
| Core capital (leverage) ratio | 22.9873% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8505% | 223 |
| Memoranda: | ||
| Average total assets | $797,704,333 | 1,194 |
| Average earning assets | $764,579,667 | 1,173 |
| Average equity | $106,660,333 | 924 |
| Average total loans | $550,291,333 | 1,088 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 1,008 |
| Cost of funding earning assets | 0.2268% | 2,445 |
| Net interest margin | 3.6171% | 872 |
| Noninterest income to average assets | 0.0786% | 4,580 |
| Noninterest expense to average assets | 2.2675% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9031% | 2,260 |
| Return on assets (ROA) | 0.9031% | 2,259 |
| Pretax return on assets | 1.2742% | 1,585 |
| Return on Equity (ROE) | 10.1153% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.7366% | 1,658 |
| Net charge-offs to loans | -0.1652% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0234% | 3,026 |
| Assets per employee ($millions) | 11.8125% | 420 |
| Cash dividends to net income (ytd only)* | 23.5156% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,621 |
| Loan loss allowance to noncurrent loans | 29,545.4545% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,082 |
| Noncurrent loans to loans | 0.0042% | 4,010 |
| Net loans and leases to total assets | 65.0937% | 1,501 |
| Net loans and leases to deposits | 73.7433% | 1,628 |
| Net loans and leases to core deposits | 79.0602% | 1,548 |
| Total domestic deposits to total assets | 88.2707% | 2,398 |
| Equity capital to assets | 8.4419% | 3,211 |
| Core capital (leverage) ratio | 9.1030% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2332% | 2,515 |
| Memoranda: | ||
| Average total assets | $753,442,500 | 1,253 |
| Average earning assets | $721,354,500 | 1,226 |
| Average equity | $67,264,500 | 1,369 |
| Average total loans | $530,253,000 | 1,115 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 1,876 |
| Cost of funding earning assets | 0.2548% | 2,869 |
| Net interest margin | 3.5417% | 1,623 |
| Noninterest income to average assets | 0.3404% | 3,376 |
| Noninterest expense to average assets | 2.0920% | 3,406 |
| Loan and lease loss provision to assets | 0.1162% | 1,081 |
| Net operating income to assets | 1.0692% | 2,419 |
| Return on assets (ROA) | 1.0692% | 2,492 |
| Pretax return on assets | 1.5054% | 1,703 |
| Return on Equity (ROE) | 12.0349% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.1468% | 883 |
| Net charge-offs to loans | 0.0529% | 1,269 |
| Credit loss provision to net charge-offs | 307.9710% | 1,045 |
| Earnings coverage of net charge-offs (x) | 42.9783% | 1,395 |
| Efficiency ratio | 56.3335% | 3,664 |
| Assets per employee ($millions) | 11.5395% | 445 |
| Cash dividends to net income (ytd only)* | 15.6885% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,048 |
| Loan loss allowance to noncurrent loans | 23,262.9630% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,142 |
| Noncurrent loans to loans | 0.0050% | 4,078 |
| Net loans and leases to total assets | 74.4358% | 628 |
| Net loans and leases to deposits | 87.2392% | 696 |
| Net loans and leases to core deposits | 94.5671% | 754 |
| Total domestic deposits to total assets | 85.3238% | 3,163 |
| Equity capital to assets | 9.4650% | 3,175 |
| Core capital (leverage) ratio | 9.1495% | 3,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4517% | 2,475 |
| Memoranda: | ||
| Average total assets | $731,502,800 | 1,246 |
| Average earning assets | $696,706,200 | 1,226 |
| Average equity | $64,986,000 | 1,425 |
| Average total loans | $521,339,800 | 1,128 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 2,286 |
| Cost of funding earning assets | 0.2636% | 2,975 |
| Net interest margin | 3.4324% | 2,064 |
| Noninterest income to average assets | 0.4169% | 3,000 |
| Noninterest expense to average assets | 2.0286% | 3,592 |
| Loan and lease loss provision to assets | 0.1179% | 1,007 |
| Net operating income to assets | 1.0873% | 2,604 |
| Return on assets (ROA) | 1.0873% | 2,655 |
| Pretax return on assets | 1.5301% | 1,904 |
| Return on Equity (ROE) | 12.4366% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.6700% | 1,129 |
| Net charge-offs to loans | 0.0714% | 935 |
| Credit loss provision to net charge-offs | 234.6570% | 1,133 |
| Earnings coverage of net charge-offs (x) | 32.8195% | 1,479 |
| Efficiency ratio | 55.1770% | 3,634 |
| Assets per employee ($millions) | 11.9034% | 380 |
| Cash dividends to net income (ytd only)* | 14.2047% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,111 |
| Loan loss allowance to noncurrent loans | 19,616.1290% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,231 |
| Noncurrent loans to loans | 0.0060% | 4,166 |
| Net loans and leases to total assets | 68.3573% | 1,277 |
| Net loans and leases to deposits | 78.2791% | 1,461 |
| Net loans and leases to core deposits | 81.7367% | 1,592 |
| Total domestic deposits to total assets | 87.3251% | 2,201 |
| Equity capital to assets | 8.8762% | 3,942 |
| Core capital (leverage) ratio | 8.7511% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7040% | 2,468 |
| Memoranda: | ||
| Average total assets | $735,516,250 | 1,254 |
| Average earning assets | $698,497,000 | 1,235 |
| Average equity | $64,303,250 | 1,452 |
| Average total loans | $516,967,000 | 1,154 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 2,669 |
| Cost of funding earning assets | 0.2745% | 3,052 |
| Net interest margin | 3.3105% | 2,412 |
| Noninterest income to average assets | 0.6618% | 1,962 |
| Noninterest expense to average assets | 1.9816% | 3,756 |
| Loan and lease loss provision to assets | 0.1369% | 892 |
| Net operating income to assets | 1.1912% | 2,220 |
| Return on assets (ROA) | 1.1912% | 2,288 |
| Pretax return on assets | 1.6762% | 1,540 |
| Return on Equity (ROE) | 13.6964% | 1,506 |
| Retained earnings to average equity (ytd only) | 12.5886% | 794 |
| Net charge-offs to loans | 0.1073% | 707 |
| Credit loss provision to net charge-offs | 180.5054% | 1,089 |
| Earnings coverage of net charge-offs (x) | 23.9134% | 1,449 |
| Efficiency ratio | 52.2216% | 4,021 |
| Assets per employee ($millions) | 12.6364% | 303 |
| Cash dividends to net income (ytd only)* | 8.0882% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,232 |
| Loan loss allowance to noncurrent loans | 53,918.1818% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,334 |
| Noncurrent loans to loans | 0.0021% | 4,258 |
| Net loans and leases to total assets | 64.4539% | 1,896 |
| Net loans and leases to deposits | 73.5185% | 2,045 |
| Net loans and leases to core deposits | 79.8186% | 1,900 |
| Total domestic deposits to total assets | 87.6703% | 2,002 |
| Equity capital to assets | 8.2416% | 4,403 |
| Core capital (leverage) ratio | 8.3509% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4858% | 2,168 |
| Memoranda: | ||
| Average total assets | $730,717,000 | 1,248 |
| Average earning assets | $691,497,667 | 1,235 |
| Average equity | $63,549,667 | 1,455 |
| Average total loans | $516,388,667 | 1,151 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 1,807 |
| Cost of funding earning assets | 0.2980% | 3,018 |
| Net interest margin | 3.6127% | 1,553 |
| Noninterest income to average assets | 0.1788% | 4,303 |
| Noninterest expense to average assets | 2.0412% | 3,586 |
| Loan and lease loss provision to assets | 0.1433% | 928 |
| Net operating income to assets | 1.0143% | 2,770 |
| Return on assets (ROA) | 1.0143% | 2,853 |
| Pretax return on assets | 1.4194% | 2,229 |
| Return on Equity (ROE) | 11.3246% | 2,260 |
| Retained earnings to average equity (ytd only) | 11.3246% | 1,316 |
| Net charge-offs to loans | 0.2167% | 381 |
| Credit loss provision to net charge-offs | 89.6057% | 1,170 |
| Earnings coverage of net charge-offs (x) | 9.7742% | 1,523 |
| Efficiency ratio | 56.6386% | 3,470 |
| Assets per employee ($millions) | 13.1398% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,655 |
| Loan loss allowance to noncurrent loans | 6,453.4091% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,304 |
| Noncurrent loans to loans | 0.0162% | 4,216 |
| Net loans and leases to total assets | 70.3195% | 1,247 |
| Net loans and leases to deposits | 80.9978% | 1,422 |
| Net loans and leases to core deposits | 89.6015% | 1,256 |
| Total domestic deposits to total assets | 86.8165% | 2,385 |
| Equity capital to assets | 8.3001% | 4,276 |
| Core capital (leverage) ratio | 9.1869% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8112% | 1,959 |
| Memoranda: | ||
| Average total assets | $698,029,500 | 1,284 |
| Average earning assets | $661,783,500 | 1,273 |
| Average equity | $62,519,000 | 1,463 |
| Average total loans | $515,061,500 | 1,158 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,088 |
| Cost of funding earning assets | 0.5893% | 2,392 |
| Net interest margin | 3.6268% | 2,051 |
| Noninterest income to average assets | 0.2177% | 4,188 |
| Noninterest expense to average assets | 2.1540% | 3,808 |
| Loan and lease loss provision to assets | 0.2755% | 1,395 |
| Net operating income to assets | 0.8528% | 2,890 |
| Return on assets (ROA) | 0.8528% | 3,028 |
| Pretax return on assets | 1.2285% | 2,232 |
| Return on Equity (ROE) | 8.4213% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.4213% | 932 |
| Net charge-offs to loans | 0.0018% | 3,343 |
| Credit loss provision to net charge-offs | 20,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,091.7500% | 104 |
| Efficiency ratio | 58.8833% | 3,602 |
| Assets per employee ($millions) | 10.9302% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,126 |
| Loan loss allowance to noncurrent loans | 1,483.8542% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,041 |
| Noncurrent loans to loans | 0.0786% | 3,977 |
| Net loans and leases to total assets | 76.1629% | 770 |
| Net loans and leases to deposits | 90.8864% | 859 |
| Net loans and leases to core deposits | 104.8763% | 692 |
| Total domestic deposits to total assets | 83.8000% | 3,167 |
| Equity capital to assets | 9.7455% | 3,372 |
| Core capital (leverage) ratio | 9.3108% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3944% | 2,087 |
| Memoranda: | ||
| Average total assets | $580,700,200 | 1,368 |
| Average earning assets | $550,843,600 | 1,346 |
| Average equity | $58,803,000 | 1,473 |
| Average total loans | $448,108,000 | 1,233 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 2,513 |
| Cost of funding earning assets | 0.6438% | 2,363 |
| Net interest margin | 3.5096% | 2,562 |
| Noninterest income to average assets | 0.2446% | 4,014 |
| Noninterest expense to average assets | 2.1650% | 3,767 |
| Loan and lease loss provision to assets | 0.2938% | 1,379 |
| Net operating income to assets | 0.7764% | 3,181 |
| Return on assets (ROA) | 0.7764% | 3,294 |
| Pretax return on assets | 1.1230% | 2,672 |
| Return on Equity (ROE) | 7.5876% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.5876% | 1,465 |
| Net charge-offs to loans | 0.0027% | 3,079 |
| Credit loss provision to net charge-offs | 13,888.8889% | 91 |
| Earnings coverage of net charge-offs (x) | 669.8889% | 180 |
| Efficiency ratio | 60.4448% | 3,320 |
| Assets per employee ($millions) | 11.5699% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 3,104 |
| Loan loss allowance to noncurrent loans | 3,427.5641% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,342 |
| Noncurrent loans to loans | 0.0326% | 4,260 |
| Net loans and leases to total assets | 74.2561% | 1,343 |
| Net loans and leases to deposits | 89.0534% | 1,363 |
| Net loans and leases to core deposits | 101.3915% | 1,068 |
| Total domestic deposits to total assets | 83.3839% | 3,028 |
| Equity capital to assets | 9.4346% | 3,737 |
| Core capital (leverage) ratio | 9.7938% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9489% | 1,517 |
| Memoranda: | ||
| Average total assets | $567,387,250 | 1,379 |
| Average earning assets | $539,499,250 | 1,354 |
| Average equity | $58,058,250 | 1,478 |
| Average total loans | $438,001,500 | 1,248 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,386 |
| Cost of funding earning assets | 0.7350% | 2,201 |
| Net interest margin | 3.5988% | 2,488 |
| Noninterest income to average assets | 0.2241% | 4,150 |
| Noninterest expense to average assets | 2.1811% | 3,850 |
| Loan and lease loss provision to assets | 0.3674% | 1,141 |
| Net operating income to assets | 0.7579% | 3,191 |
| Return on assets (ROA) | 0.7579% | 3,306 |
| Pretax return on assets | 1.0988% | 2,713 |
| Return on Equity (ROE) | 7.1883% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.1883% | 1,579 |
| Net charge-offs to loans | -0.0038% | 3,929 |
| Credit loss provision to net charge-offs | -12,500.0000% | 4,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8006% | 3,435 |
| Assets per employee ($millions) | 11.1273% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,184 |
| Loan loss allowance to noncurrent loans | 7,413.0435% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,518 |
| Noncurrent loans to loans | 0.0146% | 4,451 |
| Net loans and leases to total assets | 76.6486% | 1,053 |
| Net loans and leases to deposits | 92.5402% | 1,090 |
| Net loans and leases to core deposits | 107.6598% | 832 |
| Total domestic deposits to total assets | 82.8273% | 3,133 |
| Equity capital to assets | 9.5925% | 3,573 |
| Core capital (leverage) ratio | 10.1372% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7652% | 1,555 |
| Memoranda: | ||
| Average total assets | $544,401,000 | 1,408 |
| Average earning assets | $517,839,333 | 1,381 |
| Average equity | $57,398,667 | 1,480 |
| Average total loans | $424,711,000 | 1,269 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,685 |
| Cost of funding earning assets | 0.8734% | 1,997 |
| Net interest margin | 3.8344% | 1,865 |
| Noninterest income to average assets | 0.3619% | 3,351 |
| Noninterest expense to average assets | 2.6071% | 2,963 |
| Loan and lease loss provision to assets | 0.3917% | 781 |
| Net operating income to assets | 0.6941% | 3,293 |
| Return on assets (ROA) | 0.6941% | 3,362 |
| Pretax return on assets | 1.0121% | 2,808 |
| Return on Equity (ROE) | 6.2455% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.2455% | 1,789 |
| Net charge-offs to loans | -0.0070% | 3,954 |
| Credit loss provision to net charge-offs | -7,142.8571% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 3,087 |
| Assets per employee ($millions) | 9.4178% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,921 |
| Loan loss allowance to noncurrent loans | 4,907.4468% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,541 |
| Noncurrent loans to loans | 0.0235% | 4,476 |
| Net loans and leases to total assets | 75.0154% | 1,457 |
| Net loans and leases to deposits | 91.5878% | 1,335 |
| Net loans and leases to core deposits | 103.3605% | 1,224 |
| Total domestic deposits to total assets | 81.9054% | 3,445 |
| Equity capital to assets | 10.8880% | 2,957 |
| Core capital (leverage) ratio | 11.5826% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,601,000 | 1,444 |
| Average earning assets | $485,912,500 | 1,410 |
| Average equity | $56,745,000 | 1,484 |
| Average total loans | $399,964,000 | 1,295 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1106% | 1,191 |
| Cost of funding earning assets | 0.9218% | 2,105 |
| Net interest margin | 4.1888% | 1,341 |
| Noninterest income to average assets | 0.2147% | 4,379 |
| Noninterest expense to average assets | 2.7395% | 2,775 |
| Loan and lease loss provision to assets | 0.1331% | 1,601 |
| Net operating income to assets | 0.9037% | 3,196 |
| Return on assets (ROA) | 0.9037% | 3,284 |
| Pretax return on assets | 1.3207% | 2,437 |
| Return on Equity (ROE) | 7.7496% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.7496% | 1,063 |
| Net charge-offs to loans | -0.0294% | 4,707 |
| Credit loss provision to net charge-offs | -566.0377% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3301% | 2,869 |
| Assets per employee ($millions) | 9.6825% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,326 |
| Loan loss allowance to noncurrent loans | 8,379.5918% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,621 |
| Noncurrent loans to loans | 0.0123% | 4,537 |
| Net loans and leases to total assets | 80.1086% | 770 |
| Net loans and leases to deposits | 99.0815% | 661 |
| Net loans and leases to core deposits | 108.0439% | 971 |
| Total domestic deposits to total assets | 80.8512% | 3,800 |
| Equity capital to assets | 11.3541% | 2,658 |
| Core capital (leverage) ratio | 11.5690% | 2,063 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,448 |
| Total risk-based capital ratio | 14.6488% | 3,462 |
| Memoranda: | ||
| Average total assets | $450,819,000 | 1,554 |
| Average earning assets | $428,189,600 | 1,512 |
| Average equity | $52,570,400 | 1,530 |
| Average total loans | $360,772,200 | 1,380 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1226% | 1,237 |
| Cost of funding earning assets | 0.9032% | 2,215 |
| Net interest margin | 4.2194% | 1,329 |
| Noninterest income to average assets | 0.2272% | 4,379 |
| Noninterest expense to average assets | 2.7398% | 2,753 |
| Loan and lease loss provision to assets | 0.1666% | 1,119 |
| Net operating income to assets | 0.9119% | 3,306 |
| Return on assets (ROA) | 0.9119% | 3,384 |
| Pretax return on assets | 1.3319% | 2,559 |
| Return on Equity (ROE) | 7.7631% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.7631% | 1,506 |
| Net charge-offs to loans | -0.0406% | 4,784 |
| Credit loss provision to net charge-offs | -514.0187% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6436% | 2,919 |
| Assets per employee ($millions) | 9.8278% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,416 |
| Loan loss allowance to noncurrent loans | 590.5386% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 4,034 |
| Noncurrent loans to loans | 0.1738% | 3,919 |
| Net loans and leases to total assets | 79.6147% | 898 |
| Net loans and leases to deposits | 97.6224% | 859 |
| Net loans and leases to core deposits | 105.6307% | 1,209 |
| Total domestic deposits to total assets | 81.5537% | 3,601 |
| Equity capital to assets | 11.1578% | 2,959 |
| Core capital (leverage) ratio | 11.9540% | 1,883 |
| Tier 1 risk-based capital ratio | 12.5351% | 4,118 |
| Total risk-based capital ratio | 13.4893% | 4,173 |
| Memoranda: | ||
| Average total assets | $440,072,250 | 1,600 |
| Average earning assets | $418,345,750 | 1,558 |
| Average equity | $51,696,250 | 1,552 |
| Average total loans | $351,043,500 | 1,425 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 1,270 |
| Cost of funding earning assets | 0.8850% | 2,220 |
| Net interest margin | 4.1954% | 1,375 |
| Noninterest income to average assets | 0.1646% | 4,766 |
| Noninterest expense to average assets | 2.8026% | 2,579 |
| Loan and lease loss provision to assets | 0.1655% | 1,100 |
| Net operating income to assets | 0.8095% | 3,619 |
| Return on assets (ROA) | 0.8095% | 3,678 |
| Pretax return on assets | 1.1864% | 2,954 |
| Return on Equity (ROE) | 6.7598% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.7598% | 1,923 |
| Net charge-offs to loans | -0.0440% | 4,799 |
| Credit loss provision to net charge-offs | -472.9730% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4596% | 2,616 |
| Assets per employee ($millions) | 8.9093% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,319 |
| Loan loss allowance to noncurrent loans | 569.0476% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,023 |
| Noncurrent loans to loans | 0.1851% | 3,893 |
| Net loans and leases to total assets | 79.0388% | 1,032 |
| Net loans and leases to deposits | 98.2518% | 817 |
| Net loans and leases to core deposits | 107.6225% | 1,128 |
| Total domestic deposits to total assets | 80.4451% | 3,952 |
| Equity capital to assets | 11.7558% | 2,377 |
| Core capital (leverage) ratio | 12.1950% | 1,705 |
| Tier 1 risk-based capital ratio | 13.6784% | 3,492 |
| Total risk-based capital ratio | 14.6876% | 3,514 |
| Memoranda: | ||
| Average total assets | $422,966,670 | 1,669 |
| Average earning assets | $402,248,330 | 1,621 |
| Average equity | $50,652,330 | 1,575 |
| Average total loans | $336,299,670 | 1,487 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 1,172 |
| Cost of funding earning assets | 0.8589% | 2,219 |
| Net interest margin | 4.2080% | 1,287 |
| Noninterest income to average assets | 0.1680% | 4,733 |
| Noninterest expense to average assets | 2.8984% | 2,282 |
| Loan and lease loss provision to assets | 0.1473% | 1,149 |
| Net operating income to assets | 0.7681% | 3,719 |
| Return on assets (ROA) | 0.7681% | 3,763 |
| Pretax return on assets | 1.1256% | 3,066 |
| Return on Equity (ROE) | 6.3486% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.3486% | 2,296 |
| Net charge-offs to loans | -0.0916% | 5,005 |
| Credit loss provision to net charge-offs | -202.7027% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4843% | 2,425 |
| Assets per employee ($millions) | 8.4771% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,149 |
| Loan loss allowance to noncurrent loans | 518.4549% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 3,991 |
| Noncurrent loans to loans | 0.2115% | 3,830 |
| Net loans and leases to total assets | 77.1267% | 1,301 |
| Net loans and leases to deposits | 91.7075% | 1,433 |
| Net loans and leases to core deposits | 100.4088% | 1,584 |
| Total domestic deposits to total assets | 84.1007% | 3,016 |
| Equity capital to assets | 12.0010% | 2,019 |
| Core capital (leverage) ratio | 12.3553% | 1,581 |
| Tier 1 risk-based capital ratio | 14.2392% | 3,223 |
| Total risk-based capital ratio | 15.2828% | 3,242 |
| Memoranda: | ||
| Average total assets | $407,263,500 | 1,744 |
| Average earning assets | $387,451,000 | 1,699 |
| Average equity | $49,271,000 | 1,597 |
| Average total loans | $322,972,000 | 1,556 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,905 |
| Cost of funding earning assets | 0.6540% | 2,364 |
| Net interest margin | 4.0245% | 1,908 |
| Noninterest income to average assets | 0.4441% | 3,143 |
| Noninterest expense to average assets | 3.0231% | 1,997 |
| Loan and lease loss provision to assets | 0.0832% | 2,469 |
| Net operating income to assets | 0.7842% | 3,861 |
| Return on assets (ROA) | 0.7842% | 3,863 |
| Pretax return on assets | 1.1545% | 3,084 |
| Return on Equity (ROE) | 6.9820% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.8041% | 1,750 |
| Net charge-offs to loans | 0.1324% | 1,425 |
| Credit loss provision to net charge-offs | 80.2139% | 2,860 |
| Earnings coverage of net charge-offs (x) | 11.9305% | 2,589 |
| Efficiency ratio | 70.9505% | 2,049 |
| Assets per employee ($millions) | 8.1390% | 635 |
| Cash dividends to net income (ytd only)* | 2.5469% | 3,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,230 |
| Loan loss allowance to noncurrent loans | 245.5596% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 3,129 |
| Noncurrent loans to loans | 0.4391% | 2,966 |
| Net loans and leases to total assets | 79.8659% | 961 |
| Net loans and leases to deposits | 95.6057% | 1,108 |
| Net loans and leases to core deposits | 104.4070% | 1,381 |
| Total domestic deposits to total assets | 83.5368% | 3,150 |
| Equity capital to assets | 12.2034% | 1,757 |
| Core capital (leverage) ratio | 12.0613% | 1,691 |
| Tier 1 risk-based capital ratio | 14.0433% | 3,273 |
| Total risk-based capital ratio | 15.0741% | 3,300 |
| Memoranda: | ||
| Average total assets | $360,487,000 | 1,876 |
| Average earning assets | $341,885,200 | 1,842 |
| Average equity | $40,490,000 | 1,834 |
| Average total loans | $282,387,000 | 1,665 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 2,245 |
| Cost of funding earning assets | 0.5927% | 2,527 |
| Net interest margin | 3.9247% | 2,217 |
| Noninterest income to average assets | 0.4503% | 3,171 |
| Noninterest expense to average assets | 2.9927% | 2,038 |
| Loan and lease loss provision to assets | 0.0378% | 3,251 |
| Net operating income to assets | 0.7752% | 3,992 |
| Return on assets (ROA) | 0.7752% | 4,002 |
| Pretax return on assets | 1.1397% | 3,243 |
| Return on Equity (ROE) | 7.0707% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.8605% | 2,200 |
| Net charge-offs to loans | 0.1182% | 1,326 |
| Credit loss provision to net charge-offs | 41.1523% | 2,897 |
| Earnings coverage of net charge-offs (x) | 12.8272% | 2,421 |
| Efficiency ratio | 71.7637% | 1,926 |
| Assets per employee ($millions) | 8.3711% | 554 |
| Cash dividends to net income (ytd only)* | 2.9727% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,199 |
| Loan loss allowance to noncurrent loans | 266.3469% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,475 |
| Noncurrent loans to loans | 0.4125% | 3,174 |
| Net loans and leases to total assets | 73.1199% | 2,144 |
| Net loans and leases to deposits | 84.6116% | 2,523 |
| Net loans and leases to core deposits | 91.5685% | 2,522 |
| Total domestic deposits to total assets | 86.4183% | 2,005 |
| Equity capital to assets | 9.6734% | 3,933 |
| Core capital (leverage) ratio | 10.2396% | 3,357 |
| Tier 1 risk-based capital ratio | 12.6643% | 4,103 |
| Total risk-based capital ratio | 13.7541% | 4,085 |
| Memoranda: | ||
| Average total assets | $352,941,000 | 1,917 |
| Average earning assets | $334,523,500 | 1,883 |
| Average equity | $38,693,750 | 1,921 |
| Average total loans | $274,130,250 | 1,709 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 2,165 |
| Cost of funding earning assets | 0.4939% | 3,043 |
| Net interest margin | 3.9813% | 1,921 |
| Noninterest income to average assets | 0.6146% | 2,247 |
| Noninterest expense to average assets | 2.9821% | 2,087 |
| Loan and lease loss provision to assets | 0.0599% | 2,705 |
| Net operating income to assets | 0.9148% | 3,395 |
| Return on assets (ROA) | 0.9148% | 3,398 |
| Pretax return on assets | 1.3389% | 2,369 |
| Return on Equity (ROE) | 7.9603% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.7518% | 1,728 |
| Net charge-offs to loans | -0.0696% | 5,035 |
| Credit loss provision to net charge-offs | -108.6957% | 4,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0706% | 2,634 |
| Assets per employee ($millions) | 7.7800% | 684 |
| Cash dividends to net income (ytd only)* | 2.6195% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,476 |
| Loan loss allowance to noncurrent loans | 167.0921% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 2,471 |
| Noncurrent loans to loans | 0.7434% | 2,246 |
| Net loans and leases to total assets | 78.0483% | 1,303 |
| Net loans and leases to deposits | 91.5997% | 1,634 |
| Net loans and leases to core deposits | 97.2285% | 1,943 |
| Total domestic deposits to total assets | 85.2058% | 2,599 |
| Equity capital to assets | 10.5021% | 3,117 |
| Core capital (leverage) ratio | 11.1896% | 2,356 |
| Tier 1 risk-based capital ratio | 12.9208% | 3,939 |
| Total risk-based capital ratio | 14.1623% | 3,864 |
| Memoranda: | ||
| Average total assets | $333,859,670 | 1,993 |
| Average earning assets | $315,823,670 | 1,966 |
| Average equity | $38,365,330 | 1,939 |
| Average total loans | $264,420,670 | 1,768 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 2,125 |
| Cost of funding earning assets | 0.4023% | 3,562 |
| Net interest margin | 4.0188% | 1,664 |
| Noninterest income to average assets | 0.2229% | 4,681 |
| Noninterest expense to average assets | 3.0184% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6737% | 4,192 |
| Return on assets (ROA) | 0.6737% | 4,197 |
| Pretax return on assets | 0.9832% | 3,592 |
| Return on Equity (ROE) | 5.5774% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.3666% | 3,006 |
| Net charge-offs to loans | -0.0498% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4297% | 1,684 |
| Assets per employee ($millions) | 7.3878% | 813 |
| Cash dividends to net income (ytd only)* | 3.7807% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,028 |
| Loan loss allowance to noncurrent loans | 212.1671% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 2,866 |
| Noncurrent loans to loans | 0.6350% | 2,638 |
| Net loans and leases to total assets | 77.2043% | 1,357 |
| Net loans and leases to deposits | 90.5750% | 1,621 |
| Net loans and leases to core deposits | 105.7266% | 1,258 |
| Total domestic deposits to total assets | 85.2380% | 2,840 |
| Equity capital to assets | 11.4836% | 2,148 |
| Core capital (leverage) ratio | 12.0592% | 1,618 |
| Tier 1 risk-based capital ratio | 14.2424% | 3,255 |
| Total risk-based capital ratio | 15.4933% | 3,179 |
| Memoranda: | ||
| Average total assets | $314,070,500 | 2,117 |
| Average earning assets | $295,312,500 | 2,090 |
| Average equity | $37,938,500 | 1,957 |
| Average total loans | $249,067,000 | 1,857 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,369 |
| Cost of funding earning assets | 0.3584% | 3,632 |
| Net interest margin | 3.9296% | 1,993 |
| Noninterest income to average assets | 0.4113% | 3,556 |
| Noninterest expense to average assets | 2.9070% | 2,432 |
| Loan and lease loss provision to assets | 0.1165% | 1,955 |
| Net operating income to assets | 0.4397% | 4,565 |
| Return on assets (ROA) | 0.4397% | 4,593 |
| Pretax return on assets | 1.0656% | 3,318 |
| Return on Equity (ROE) | 3.5189% | 4,682 |
| Retained earnings to average equity (ytd only) | 3.2866% | 3,337 |
| Net charge-offs to loans | 0.0115% | 3,680 |
| Credit loss provision to net charge-offs | 1,354.1667% | 286 |
| Earnings coverage of net charge-offs (x) | 137.4583% | 504 |
| Efficiency ratio | 71.0918% | 2,380 |
| Assets per employee ($millions) | 6.1603% | 1,410 |
| Cash dividends to net income (ytd only)* | 6.6015% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,546 |
| Loan loss allowance to noncurrent loans | 253.7619% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 3,022 |
| Noncurrent loans to loans | 0.5753% | 2,778 |
| Net loans and leases to total assets | 79.3021% | 1,066 |
| Net loans and leases to deposits | 91.1685% | 1,630 |
| Net loans and leases to core deposits | 107.0344% | 1,209 |
| Total domestic deposits to total assets | 86.9841% | 2,006 |
| Equity capital to assets | 12.7498% | 1,383 |
| Core capital (leverage) ratio | 12.5481% | 1,330 |
| Tier 1 risk-based capital ratio | 15.5016% | 2,629 |
| Total risk-based capital ratio | 16.7542% | 2,563 |
| Memoranda: | ||
| Average total assets | $279,084,200 | 2,295 |
| Average earning assets | $261,196,000 | 2,276 |
| Average equity | $34,868,600 | 2,090 |
| Average total loans | $207,986,600 | 2,098 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,544 |
| Cost of funding earning assets | 0.3573% | 3,594 |
| Net interest margin | 3.8621% | 2,178 |
| Noninterest income to average assets | 0.3453% | 4,072 |
| Noninterest expense to average assets | 2.9005% | 2,412 |
| Loan and lease loss provision to assets | 0.1091% | 1,950 |
| Net operating income to assets | 0.5722% | 4,494 |
| Return on assets (ROA) | 0.5722% | 4,535 |
| Pretax return on assets | 0.9529% | 3,856 |
| Return on Equity (ROE) | 4.6055% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.3675% | 3,302 |
| Net charge-offs to loans | -0.0027% | 4,354 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1979% | 2,009 |
| Assets per employee ($millions) | 6.8805% | 995 |
| Cash dividends to net income (ytd only)* | 5.1694% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,292 |
| Loan loss allowance to noncurrent loans | 227.0180% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 2,978 |
| Noncurrent loans to loans | 0.6936% | 2,630 |
| Net loans and leases to total assets | 73.6053% | 1,976 |
| Net loans and leases to deposits | 85.0143% | 2,432 |
| Net loans and leases to core deposits | 91.4659% | 2,498 |
| Total domestic deposits to total assets | 86.5800% | 2,057 |
| Equity capital to assets | 13.0134% | 1,388 |
| Core capital (leverage) ratio | 13.1407% | 1,152 |
| Tier 1 risk-based capital ratio | 16.5070% | 2,326 |
| Total risk-based capital ratio | 17.7605% | 2,276 |
| Memoranda: | ||
| Average total assets | $274,932,250 | 2,331 |
| Average earning assets | $257,503,750 | 2,313 |
| Average equity | $34,160,750 | 2,140 |
| Average total loans | $200,492,250 | 2,159 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 2,682 |
| Cost of funding earning assets | 0.3692% | 3,389 |
| Net interest margin | 3.7782% | 2,367 |
| Noninterest income to average assets | 0.2457% | 4,769 |
| Noninterest expense to average assets | 2.9321% | 2,317 |
| Loan and lease loss provision to assets | 0.0925% | 2,140 |
| Net operating income to assets | 0.4551% | 4,839 |
| Return on assets (ROA) | 0.4551% | 4,863 |
| Pretax return on assets | 0.7578% | 4,413 |
| Return on Equity (ROE) | 3.7259% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.4775% | 3,634 |
| Net charge-offs to loans | 0.2396% | 853 |
| Credit loss provision to net charge-offs | 53.4188% | 2,525 |
| Earnings coverage of net charge-offs (x) | 4.9103% | 2,877 |
| Efficiency ratio | 77.5191% | 1,529 |
| Assets per employee ($millions) | 7.3624% | 792 |
| Cash dividends to net income (ytd only)* | 6.6667% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,504 |
| Loan loss allowance to noncurrent loans | 199.0260% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 2,981 |
| Noncurrent loans to loans | 0.7662% | 2,482 |
| Net loans and leases to total assets | 68.9339% | 2,676 |
| Net loans and leases to deposits | 79.3999% | 2,979 |
| Net loans and leases to core deposits | 99.5529% | 1,682 |
| Total domestic deposits to total assets | 86.8187% | 2,034 |
| Equity capital to assets | 12.8825% | 1,427 |
| Core capital (leverage) ratio | 13.2540% | 1,074 |
| Tier 1 risk-based capital ratio | 17.8339% | 1,910 |
| Total risk-based capital ratio | 19.0870% | 1,859 |
| Memoranda: | ||
| Average total assets | $270,250,000 | 2,374 |
| Average earning assets | $252,976,000 | 2,359 |
| Average equity | $33,012,330 | 2,187 |
| Average total loans | $195,287,330 | 2,211 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 2,673 |
| Cost of funding earning assets | 0.3870% | 3,122 |
| Net interest margin | 3.7076% | 2,461 |
| Noninterest income to average assets | 0.2490% | 4,755 |
| Noninterest expense to average assets | 3.1000% | 1,864 |
| Loan and lease loss provision to assets | 0.0764% | 2,283 |
| Net operating income to assets | 0.3163% | 5,151 |
| Return on assets (ROA) | 0.3163% | 5,179 |
| Pretax return on assets | 0.5271% | 4,906 |
| Return on Equity (ROE) | 2.6689% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.4111% | 4,183 |
| Net charge-offs to loans | 0.5051% | 362 |
| Credit loss provision to net charge-offs | 20.5761% | 2,168 |
| Earnings coverage of net charge-offs (x) | 1.6255% | 2,706 |
| Efficiency ratio | 83.7046% | 999 |
| Assets per employee ($millions) | 7.2179% | 852 |
| Cash dividends to net income (ytd only)* | 9.6618% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,684 |
| Loan loss allowance to noncurrent loans | 164.7872% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,660 |
| Noncurrent loans to loans | 0.9119% | 2,212 |
| Net loans and leases to total assets | 71.2357% | 2,180 |
| Net loans and leases to deposits | 82.9295% | 2,404 |
| Net loans and leases to core deposits | 98.4223% | 1,629 |
| Total domestic deposits to total assets | 85.8991% | 2,717 |
| Equity capital to assets | 13.5467% | 1,059 |
| Core capital (leverage) ratio | 14.0734% | 824 |
| Tier 1 risk-based capital ratio | 17.8141% | 1,935 |
| Total risk-based capital ratio | 19.0669% | 1,883 |
| Memoranda: | ||
| Average total assets | $261,808,500 | 2,451 |
| Average earning assets | $243,928,500 | 2,446 |
| Average equity | $31,023,500 | 2,293 |
| Average total loans | $192,432,500 | 2,249 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 1,333 |
| Cost of funding earning assets | 0.3510% | 3,504 |
| Net interest margin | 4.2268% | 1,060 |
| Noninterest income to average assets | 0.5954% | 2,689 |
| Noninterest expense to average assets | 3.3533% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7115% | 3,734 |
| Return on assets (ROA) | 0.7115% | 3,848 |
| Pretax return on assets | 1.1841% | 2,746 |
| Return on Equity (ROE) | 7.4856% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.1467% | 1,169 |
| Net charge-offs to loans | 0.1608% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.4809% | 2,749 |
| Efficiency ratio | 73.9043% | 2,299 |
| Assets per employee ($millions) | 6.5615% | 1,121 |
| Cash dividends to net income (ytd only)* | 4.5277% | 4,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 1,133 |
| Loan loss allowance to noncurrent loans | 156.5089% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 2,317 |
| Noncurrent loans to loans | 1.0874% | 1,918 |
| Net loans and leases to total assets | 73.5249% | 1,927 |
| Net loans and leases to deposits | 82.0488% | 2,665 |
| Net loans and leases to core deposits | 99.0796% | 1,702 |
| Total domestic deposits to total assets | 89.6112% | 820 |
| Equity capital to assets | 9.9829% | 3,743 |
| Core capital (leverage) ratio | 9.4910% | 4,096 |
| Tier 1 risk-based capital ratio | 12.0450% | 4,698 |
| Total risk-based capital ratio | 13.6409% | 4,336 |
| Memoranda: | ||
| Average total assets | $251,424,800 | 2,494 |
| Average earning assets | $234,481,000 | 2,482 |
| Average equity | $23,899,200 | 2,805 |
| Average total loans | $195,249,200 | 2,154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 1,470 |
| Cost of funding earning assets | 0.3352% | 3,716 |
| Net interest margin | 4.1877% | 1,151 |
| Noninterest income to average assets | 0.6313% | 2,513 |
| Noninterest expense to average assets | 3.2805% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7582% | 3,571 |
| Return on assets (ROA) | 0.7578% | 3,699 |
| Pretax return on assets | 1.2648% | 2,556 |
| Return on Equity (ROE) | 8.0727% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.7288% | 1,294 |
| Net charge-offs to loans | 0.2026% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.9700% | 2,822 |
| Efficiency ratio | 72.1653% | 2,557 |
| Assets per employee ($millions) | 7.0204% | 885 |
| Cash dividends to net income (ytd only)* | 4.2597% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,425 |
| Loan loss allowance to noncurrent loans | 119.0441% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 2,000 |
| Noncurrent loans to loans | 1.3570% | 1,626 |
| Net loans and leases to total assets | 74.7489% | 1,750 |
| Net loans and leases to deposits | 82.8964% | 2,619 |
| Net loans and leases to core deposits | 98.8776% | 1,738 |
| Total domestic deposits to total assets | 90.1715% | 415 |
| Equity capital to assets | 9.4304% | 4,740 |
| Core capital (leverage) ratio | 9.5101% | 4,163 |
| Tier 1 risk-based capital ratio | 11.1451% | 5,292 |
| Total risk-based capital ratio | 12.3981% | 5,204 |
| Memoranda: | ||
| Average total assets | $251,947,000 | 2,497 |
| Average earning assets | $235,506,750 | 2,479 |
| Average equity | $23,651,250 | 2,848 |
| Average total loans | $197,437,000 | 2,144 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,348 |
| Cost of funding earning assets | 0.3281% | 3,813 |
| Net interest margin | 4.2356% | 1,045 |
| Noninterest income to average assets | 0.6970% | 2,154 |
| Noninterest expense to average assets | 3.3488% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7874% | 3,374 |
| Return on assets (ROA) | 0.7869% | 3,521 |
| Pretax return on assets | 1.3138% | 2,351 |
| Return on Equity (ROE) | 8.3955% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.0446% | 1,157 |
| Net charge-offs to loans | 0.2562% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.4783% | 2,731 |
| Efficiency ratio | 71.8094% | 2,692 |
| Assets per employee ($millions) | 7.1957% | 809 |
| Cash dividends to net income (ytd only)* | 4.1794% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 1,439 |
| Loan loss allowance to noncurrent loans | 107.7615% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 1,822 |
| Noncurrent loans to loans | 1.5157% | 1,444 |
| Net loans and leases to total assets | 75.2078% | 1,614 |
| Net loans and leases to deposits | 83.1730% | 2,569 |
| Net loans and leases to core deposits | 99.8145% | 1,645 |
| Total domestic deposits to total assets | 90.4233% | 340 |
| Equity capital to assets | 9.2590% | 5,013 |
| Core capital (leverage) ratio | 9.4616% | 4,251 |
| Tier 1 risk-based capital ratio | 10.7208% | 5,567 |
| Total risk-based capital ratio | 11.9742% | 5,485 |
| Memoranda: | ||
| Average total assets | $249,344,330 | 2,536 |
| Average earning assets | $233,495,330 | 2,510 |
| Average equity | $23,369,670 | 2,884 |
| Average total loans | $197,465,330 | 2,148 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,026 |
| Cost of funding earning assets | 0.3431% | 3,679 |
| Net interest margin | 4.3679% | 799 |
| Noninterest income to average assets | 0.8262% | 1,537 |
| Noninterest expense to average assets | 3.2312% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0029% | 2,262 |
| Return on assets (ROA) | 1.0029% | 2,381 |
| Pretax return on assets | 1.6769% | 1,119 |
| Return on Equity (ROE) | 10.6322% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.2853% | 789 |
| Net charge-offs to loans | 0.3652% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.6944% | 2,304 |
| Efficiency ratio | 65.8333% | 3,833 |
| Assets per employee ($millions) | 7.2842% | 782 |
| Cash dividends to net income (ytd only)* | 3.2626% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,373 |
| Loan loss allowance to noncurrent loans | 118.7365% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 1,968 |
| Noncurrent loans to loans | 1.4317% | 1,656 |
| Net loans and leases to total assets | 77.2360% | 1,215 |
| Net loans and leases to deposits | 85.7611% | 2,085 |
| Net loans and leases to core deposits | 103.1709% | 1,250 |
| Total domestic deposits to total assets | 90.0595% | 579 |
| Equity capital to assets | 9.5105% | 4,663 |
| Core capital (leverage) ratio | 9.4616% | 4,258 |
| Tier 1 risk-based capital ratio | 10.5337% | 5,736 |
| Total risk-based capital ratio | 11.7872% | 5,637 |
| Memoranda: | ||
| Average total assets | $244,494,000 | 2,586 |
| Average earning assets | $228,486,500 | 2,566 |
| Average equity | $23,062,000 | 2,918 |
| Average total loans | $197,169,500 | 2,149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 1,407 |
| Cost of funding earning assets | 0.3476% | 3,725 |
| Net interest margin | 4.2243% | 1,114 |
| Noninterest income to average assets | 0.8071% | 1,762 |
| Noninterest expense to average assets | 3.3626% | 1,570 |
| Loan and lease loss provision to assets | 0.5147% | 219 |
| Net operating income to assets | 0.5379% | 4,548 |
| Return on assets (ROA) | 0.5485% | 4,601 |
| Pretax return on assets | 0.9146% | 3,784 |
| Return on Equity (ROE) | 6.0816% | 3,996 |
| Retained earnings to average equity (ytd only) | 5.7118% | 1,953 |
| Net charge-offs to loans | 0.2956% | 1,027 |
| Credit loss provision to net charge-offs | 229.3578% | 1,242 |
| Earnings coverage of net charge-offs (x) | 6.2954% | 3,247 |
| Efficiency ratio | 70.4148% | 3,158 |
| Assets per employee ($millions) | 6.5223% | 1,088 |
| Cash dividends to net income (ytd only)* | 6.0811% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 1,250 |
| Loan loss allowance to noncurrent loans | 90.1292% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 1,230 |
| Noncurrent loans to loans | 1.9375% | 1,098 |
| Net loans and leases to total assets | 81.3252% | 661 |
| Net loans and leases to deposits | 90.0390% | 1,610 |
| Net loans and leases to core deposits | 109.6763% | 868 |
| Total domestic deposits to total assets | 90.3222% | 495 |
| Equity capital to assets | 9.3525% | 4,728 |
| Core capital (leverage) ratio | 9.0355% | 4,842 |
| Tier 1 risk-based capital ratio | 10.0233% | 5,948 |
| Total risk-based capital ratio | 11.2776% | 5,884 |
| Memoranda: | ||
| Average total assets | $242,851,000 | 2,554 |
| Average earning assets | $228,133,000 | 2,525 |
| Average equity | $21,902,200 | 2,987 |
| Average total loans | $184,351,400 | 2,193 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 1,566 |
| Cost of funding earning assets | 0.3462% | 3,795 |
| Net interest margin | 4.1634% | 1,245 |
| Noninterest income to average assets | 0.7318% | 2,100 |
| Noninterest expense to average assets | 3.2972% | 1,697 |
| Loan and lease loss provision to assets | 0.2193% | 868 |
| Net operating income to assets | 0.6684% | 4,041 |
| Return on assets (ROA) | 0.6825% | 4,095 |
| Pretax return on assets | 1.1533% | 3,001 |
| Return on Equity (ROE) | 7.6372% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.2630% | 1,566 |
| Net charge-offs to loans | 0.0399% | 3,089 |
| Credit loss provision to net charge-offs | 740.7407% | 467 |
| Earnings coverage of net charge-offs (x) | 45.6285% | 1,122 |
| Efficiency ratio | 70.9400% | 3,060 |
| Assets per employee ($millions) | 6.2431% | 1,207 |
| Cash dividends to net income (ytd only)* | 4.8995% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,654 |
| Loan loss allowance to noncurrent loans | 92.0836% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3275% | 1,765 |
| Noncurrent loans to loans | 1.7758% | 1,339 |
| Net loans and leases to total assets | 73.5340% | 1,813 |
| Net loans and leases to deposits | 80.9066% | 2,773 |
| Net loans and leases to core deposits | 98.5739% | 1,645 |
| Total domestic deposits to total assets | 90.8875% | 280 |
| Equity capital to assets | 8.7769% | 5,506 |
| Core capital (leverage) ratio | 9.0005% | 4,995 |
| Tier 1 risk-based capital ratio | 10.5167% | 5,876 |
| Total risk-based capital ratio | 11.7698% | 5,805 |
| Memoranda: | ||
| Average total assets | $243,232,500 | 2,572 |
| Average earning assets | $228,779,500 | 2,540 |
| Average equity | $21,735,250 | 3,017 |
| Average total loans | $180,502,750 | 2,241 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 1,318 |
| Cost of funding earning assets | 0.3518% | 3,784 |
| Net interest margin | 4.2325% | 1,043 |
| Noninterest income to average assets | 0.7314% | 2,083 |
| Noninterest expense to average assets | 3.3282% | 1,632 |
| Loan and lease loss provision to assets | 0.2929% | 536 |
| Net operating income to assets | 0.6472% | 4,130 |
| Return on assets (ROA) | 0.6687% | 4,144 |
| Pretax return on assets | 1.1206% | 3,090 |
| Return on Equity (ROE) | 7.4354% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.0632% | 1,671 |
| Net charge-offs to loans | 0.1504% | 1,586 |
| Credit loss provision to net charge-offs | 263.1579% | 1,010 |
| Earnings coverage of net charge-offs (x) | 12.3985% | 2,210 |
| Efficiency ratio | 70.6897% | 3,220 |
| Assets per employee ($millions) | 6.1766% | 1,230 |
| Cash dividends to net income (ytd only)* | 5.0063% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,675 |
| Loan loss allowance to noncurrent loans | 127.9863% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 2,684 |
| Noncurrent loans to loans | 1.3094% | 2,053 |
| Net loans and leases to total assets | 69.5019% | 2,405 |
| Net loans and leases to deposits | 77.6097% | 3,077 |
| Net loans and leases to core deposits | 94.2081% | 1,941 |
| Total domestic deposits to total assets | 89.5531% | 874 |
| Equity capital to assets | 8.6463% | 5,568 |
| Core capital (leverage) ratio | 9.0286% | 4,922 |
| Tier 1 risk-based capital ratio | 10.8753% | 5,771 |
| Total risk-based capital ratio | 12.1288% | 5,692 |
| Memoranda: | ||
| Average total assets | $238,988,000 | 2,618 |
| Average earning assets | $224,545,670 | 2,586 |
| Average equity | $21,491,670 | 3,056 |
| Average total loans | $176,886,670 | 2,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 1,186 |
| Cost of funding earning assets | 0.3473% | 3,893 |
| Net interest margin | 4.2691% | 943 |
| Noninterest income to average assets | 0.9316% | 1,294 |
| Noninterest expense to average assets | 3.3382% | 1,628 |
| Loan and lease loss provision to assets | 0.3450% | 373 |
| Net operating income to assets | 0.7477% | 3,551 |
| Return on assets (ROA) | 0.7919% | 3,440 |
| Pretax return on assets | 1.3249% | 2,178 |
| Return on Equity (ROE) | 8.6240% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.2482% | 1,472 |
| Net charge-offs to loans | 0.3299% | 732 |
| Credit loss provision to net charge-offs | 137.9310% | 1,323 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,296 |
| Efficiency ratio | 67.5864% | 3,893 |
| Assets per employee ($millions) | 6.8329% | 926 |
| Cash dividends to net income (ytd only)* | 4.3573% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 2,034 |
| Loan loss allowance to noncurrent loans | 133.1144% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 2,853 |
| Noncurrent loans to loans | 1.2063% | 2,362 |
| Net loans and leases to total assets | 72.7168% | 1,698 |
| Net loans and leases to deposits | 81.6891% | 2,376 |
| Net loans and leases to core deposits | 97.7302% | 1,498 |
| Total domestic deposits to total assets | 89.0166% | 1,256 |
| Equity capital to assets | 9.0081% | 5,280 |
| Core capital (leverage) ratio | 9.3363% | 4,513 |
| Tier 1 risk-based capital ratio | 11.3956% | 5,609 |
| Total risk-based capital ratio | 12.6423% | 5,523 |
| Memoranda: | ||
| Average total assets | $231,861,000 | 2,707 |
| Average earning assets | $217,657,500 | 2,663 |
| Average equity | $21,289,500 | 3,100 |
| Average total loans | $175,826,000 | 2,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,274 |
| Cost of funding earning assets | 0.3808% | 3,896 |
| Net interest margin | 4.3314% | 1,001 |
| Noninterest income to average assets | 0.8789% | 1,575 |
| Noninterest expense to average assets | 3.5994% | 1,307 |
| Loan and lease loss provision to assets | 0.2049% | 1,227 |
| Net operating income to assets | 0.8553% | 3,087 |
| Return on assets (ROA) | 0.8743% | 3,086 |
| Pretax return on assets | 1.1303% | 2,965 |
| Return on Equity (ROE) | 8.5425% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.1372% | 970 |
| Net charge-offs to loans | 0.0096% | 4,714 |
| Credit loss provision to net charge-offs | 2,857.1429% | 112 |
| Earnings coverage of net charge-offs (x) | 182.7857% | 295 |
| Efficiency ratio | 73.3076% | 2,965 |
| Assets per employee ($millions) | 6.0695% | 1,334 |
| Cash dividends to net income (ytd only)* | 4.7452% | 4,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 2,122 |
| Loan loss allowance to noncurrent loans | 177.1483% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 2,495 |
| Noncurrent loans to loans | 0.8982% | 3,070 |
| Net loans and leases to total assets | 76.6475% | 1,176 |
| Net loans and leases to deposits | 86.5744% | 1,906 |
| Net loans and leases to core deposits | 104.5392% | 1,098 |
| Total domestic deposits to total assets | 88.5337% | 1,506 |
| Equity capital to assets | 9.3672% | 4,890 |
| Core capital (leverage) ratio | 10.7552% | 2,665 |
| Tier 1 risk-based capital ratio | 11.2125% | 5,811 |
| Total risk-based capital ratio | 12.4660% | 5,738 |
| Memoranda: | ||
| Average total assets | $195,253,000 | 3,051 |
| Average earning assets | $181,718,400 | 3,017 |
| Average equity | $19,982,400 | 3,160 |
| Average total loans | $145,996,800 | 2,626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,284 |
| Cost of funding earning assets | 0.3977% | 3,815 |
| Net interest margin | 4.3133% | 1,021 |
| Noninterest income to average assets | 0.9273% | 1,427 |
| Noninterest expense to average assets | 3.6745% | 1,163 |
| Loan and lease loss provision to assets | 0.1419% | 1,766 |
| Net operating income to assets | 0.8869% | 2,977 |
| Return on assets (ROA) | 0.8982% | 3,014 |
| Pretax return on assets | 1.1267% | 3,080 |
| Return on Equity (ROE) | 8.5601% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.1476% | 1,290 |
| Net charge-offs to loans | 0.0336% | 3,813 |
| Credit loss provision to net charge-offs | 571.4286% | 511 |
| Earnings coverage of net charge-offs (x) | 50.5093% | 972 |
| Efficiency ratio | 74.5502% | 2,729 |
| Assets per employee ($millions) | 5.6476% | 1,599 |
| Cash dividends to net income (ytd only)* | 4.8182% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 2,048 |
| Loan loss allowance to noncurrent loans | 111.3913% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.7035% | 1,767 |
| Noncurrent loans to loans | 1.5053% | 2,156 |
| Net loans and leases to total assets | 78.2399% | 933 |
| Net loans and leases to deposits | 90.0316% | 1,427 |
| Net loans and leases to core deposits | 114.4710% | 572 |
| Total domestic deposits to total assets | 86.9027% | 2,373 |
| Equity capital to assets | 10.6845% | 3,324 |
| Core capital (leverage) ratio | 10.9181% | 2,566 |
| Tier 1 risk-based capital ratio | 12.4688% | 5,188 |
| Total risk-based capital ratio | 13.7231% | 5,118 |
| Memoranda: | ||
| Average total assets | $187,923,500 | 3,153 |
| Average earning assets | $174,340,250 | 3,132 |
| Average equity | $19,719,000 | 3,195 |
| Average total loans | $138,768,250 | 2,750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,640 |
| Cost of funding earning assets | 0.4076% | 3,795 |
| Net interest margin | 4.1538% | 1,370 |
| Noninterest income to average assets | 0.7687% | 1,968 |
| Noninterest expense to average assets | 3.6760% | 1,179 |
| Loan and lease loss provision to assets | 0.1072% | 2,221 |
| Net operating income to assets | 0.6625% | 4,031 |
| Return on assets (ROA) | 0.6797% | 4,044 |
| Pretax return on assets | 0.8523% | 4,071 |
| Return on Equity (ROE) | 6.5182% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.0966% | 2,261 |
| Net charge-offs to loans | -0.0626% | 5,973 |
| Credit loss provision to net charge-offs | -238.0952% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6701% | 2,068 |
| Assets per employee ($millions) | 5.4687% | 1,723 |
| Cash dividends to net income (ytd only)* | 6.4669% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 1,974 |
| Loan loss allowance to noncurrent loans | 74.5668% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.7790% | 1,821 |
| Noncurrent loans to loans | 2.3477% | 1,362 |
| Net loans and leases to total assets | 74.4482% | 1,381 |
| Net loans and leases to deposits | 84.1012% | 2,027 |
| Net loans and leases to core deposits | 105.9103% | 901 |
| Total domestic deposits to total assets | 88.5221% | 1,623 |
| Equity capital to assets | 10.3901% | 3,575 |
| Core capital (leverage) ratio | 10.6144% | 2,807 |
| Tier 1 risk-based capital ratio | 13.0230% | 4,894 |
| Total risk-based capital ratio | 14.2786% | 4,825 |
| Memoranda: | ||
| Average total assets | $186,559,000 | 3,188 |
| Average earning assets | $172,711,330 | 3,161 |
| Average equity | $19,453,330 | 3,229 |
| Average total loans | $134,092,330 | 2,806 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,599 |
| Cost of funding earning assets | 0.4013% | 3,953 |
| Net interest margin | 4.1627% | 1,313 |
| Noninterest income to average assets | 0.8081% | 1,716 |
| Noninterest expense to average assets | 3.6082% | 1,294 |
| Loan and lease loss provision to assets | 0.1086% | 2,126 |
| Net operating income to assets | 0.7712% | 3,302 |
| Return on assets (ROA) | 0.7712% | 3,383 |
| Pretax return on assets | 0.9667% | 3,456 |
| Return on Equity (ROE) | 7.3818% | 3,270 |
| Retained earnings to average equity (ytd only) | 6.9659% | 2,066 |
| Net charge-offs to loans | -0.1773% | 6,347 |
| Credit loss provision to net charge-offs | -87.7193% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0408% | 2,642 |
| Assets per employee ($millions) | 6.2351% | 1,158 |
| Cash dividends to net income (ytd only)* | 5.6338% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 1,679 |
| Loan loss allowance to noncurrent loans | 64.9209% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.9955% | 1,719 |
| Noncurrent loans to loans | 2.9692% | 1,078 |
| Net loans and leases to total assets | 65.9105% | 2,580 |
| Net loans and leases to deposits | 75.2288% | 2,913 |
| Net loans and leases to core deposits | 89.8966% | 1,915 |
| Total domestic deposits to total assets | 87.6133% | 2,451 |
| Equity capital to assets | 10.0627% | 3,772 |
| Core capital (leverage) ratio | 10.6750% | 2,733 |
| Tier 1 risk-based capital ratio | 14.0281% | 4,319 |
| Total risk-based capital ratio | 15.2848% | 4,246 |
| Memoranda: | ||
| Average total assets | $184,137,000 | 3,241 |
| Average earning assets | $171,427,000 | 3,205 |
| Average equity | $19,236,500 | 3,254 |
| Average total loans | $128,621,000 | 2,902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,832 |
| Cost of funding earning assets | 0.3161% | 5,457 |
| Net interest margin | 4.2951% | 1,118 |
| Noninterest income to average assets | 0.9020% | 1,670 |
| Noninterest expense to average assets | 4.0069% | 869 |
| Loan and lease loss provision to assets | 0.1344% | 2,629 |
| Net operating income to assets | 1.1994% | 1,565 |
| Return on assets (ROA) | 1.2138% | 1,585 |
| Pretax return on assets | 0.7359% | 4,396 |
| Return on Equity (ROE) | 11.3203% | 1,665 |
| Retained earnings to average equity (ytd only) | 10.8691% | 435 |
| Net charge-offs to loans | 0.1486% | 3,318 |
| Credit loss provision to net charge-offs | 127.1186% | 1,854 |
| Earnings coverage of net charge-offs (x) | 8.0960% | 2,731 |
| Efficiency ratio | 82.3977% | 1,824 |
| Assets per employee ($millions) | 5.3026% | 1,848 |
| Cash dividends to net income (ytd only)* | 3.9862% | 4,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 1,824 |
| Loan loss allowance to noncurrent loans | 80.0869% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.7104% | 2,155 |
| Noncurrent loans to loans | 2.3504% | 1,632 |
| Net loans and leases to total assets | 71.4023% | 1,775 |
| Net loans and leases to deposits | 82.9702% | 2,063 |
| Net loans and leases to core deposits | 101.0391% | 1,084 |
| Total domestic deposits to total assets | 86.0577% | 3,233 |
| Equity capital to assets | 10.8712% | 2,737 |
| Core capital (leverage) ratio | 10.7763% | 2,596 |
| Tier 1 risk-based capital ratio | 14.1481% | 4,195 |
| Total risk-based capital ratio | 15.4054% | 4,137 |
| Memoranda: | ||
| Average total assets | $167,412,000 | 3,452 |
| Average earning assets | $154,383,600 | 3,427 |
| Average equity | $17,950,000 | 3,424 |
| Average total loans | $119,109,000 | 3,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 1,857 |
| Cost of funding earning assets | 0.3010% | 5,730 |
| Net interest margin | 4.3116% | 1,069 |
| Noninterest income to average assets | 0.8369% | 1,987 |
| Noninterest expense to average assets | 4.0365% | 818 |
| Loan and lease loss provision to assets | 0.1490% | 2,407 |
| Net operating income to assets | 1.2349% | 1,520 |
| Return on assets (ROA) | 1.2542% | 1,542 |
| Pretax return on assets | 0.6283% | 4,917 |
| Return on Equity (ROE) | 11.7406% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.2807% | 526 |
| Net charge-offs to loans | -0.0114% | 5,915 |
| Credit loss provision to net charge-offs | -1,850.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1902% | 1,566 |
| Assets per employee ($millions) | 5.4164% | 1,712 |
| Cash dividends to net income (ytd only)* | 3.9177% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 1,778 |
| Loan loss allowance to noncurrent loans | 81.1224% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.8093% | 2,264 |
| Noncurrent loans to loans | 2.4375% | 1,790 |
| Net loans and leases to total assets | 72.7617% | 1,489 |
| Net loans and leases to deposits | 83.7795% | 1,905 |
| Net loans and leases to core deposits | 104.6025% | 846 |
| Total domestic deposits to total assets | 86.8491% | 2,775 |
| Equity capital to assets | 10.5968% | 3,166 |
| Core capital (leverage) ratio | 11.3603% | 2,154 |
| Tier 1 risk-based capital ratio | 14.2008% | 4,282 |
| Total risk-based capital ratio | 15.4598% | 4,227 |
| Memoranda: | ||
| Average total assets | $165,518,500 | 3,515 |
| Average earning assets | $151,929,000 | 3,501 |
| Average equity | $17,681,750 | 3,507 |
| Average total loans | $117,051,000 | 3,123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 2,239 |
| Cost of funding earning assets | 0.2964% | 5,856 |
| Net interest margin | 4.1929% | 1,296 |
| Noninterest income to average assets | 0.7157% | 2,568 |
| Noninterest expense to average assets | 4.0168% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4142% | 1,049 |
| Return on assets (ROA) | 1.4437% | 1,075 |
| Pretax return on assets | 0.5659% | 5,143 |
| Return on Equity (ROE) | 13.4759% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.0176% | 383 |
| Net charge-offs to loans | 0.0053% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 145.6667% | 342 |
| Efficiency ratio | 88.2178% | 1,203 |
| Assets per employee ($millions) | 5.1654% | 1,920 |
| Cash dividends to net income (ytd only)* | 3.4014% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 1,912 |
| Loan loss allowance to noncurrent loans | 74.7610% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 2,354 |
| Noncurrent loans to loans | 2.6386% | 1,735 |
| Net loans and leases to total assets | 68.3922% | 2,170 |
| Net loans and leases to deposits | 78.6820% | 2,498 |
| Net loans and leases to core deposits | 92.9554% | 1,616 |
| Total domestic deposits to total assets | 86.9223% | 2,863 |
| Equity capital to assets | 10.5240% | 3,267 |
| Core capital (leverage) ratio | 11.0414% | 2,316 |
| Tier 1 risk-based capital ratio | 14.9344% | 3,819 |
| Total risk-based capital ratio | 16.1928% | 3,775 |
| Memoranda: | ||
| Average total assets | $162,916,000 | 3,570 |
| Average earning assets | $149,109,670 | 3,574 |
| Average equity | $17,453,330 | 3,556 |
| Average total loans | $113,181,670 | 3,208 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 2,104 |
| Cost of funding earning assets | 0.2856% | 6,070 |
| Net interest margin | 4.2324% | 1,113 |
| Noninterest income to average assets | 0.8169% | 2,065 |
| Noninterest expense to average assets | 4.1421% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1188% | 282 |
| Return on assets (ROA) | 2.1188% | 307 |
| Pretax return on assets | 0.5479% | 5,119 |
| Return on Equity (ROE) | 19.5927% | 321 |
| Retained earnings to average equity (ytd only) | 19.1279% | 164 |
| Net charge-offs to loans | 0.0580% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,517 |
| Efficiency ratio | 88.3173% | 1,299 |
| Assets per employee ($millions) | 5.2646% | 1,907 |
| Cash dividends to net income (ytd only)* | 2.3725% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,786 |
| Loan loss allowance to noncurrent loans | 63.4140% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.3039% | 2,019 |
| Noncurrent loans to loans | 3.3173% | 1,461 |
| Net loans and leases to total assets | 66.5253% | 2,278 |
| Net loans and leases to deposits | 78.0369% | 2,334 |
| Net loans and leases to core deposits | 87.7768% | 1,930 |
| Total domestic deposits to total assets | 85.2485% | 3,927 |
| Equity capital to assets | 10.8300% | 3,168 |
| Core capital (leverage) ratio | 11.7005% | 1,748 |
| Tier 1 risk-based capital ratio | 15.6863% | 3,436 |
| Total risk-based capital ratio | 16.9467% | 3,393 |
| Memoranda: | ||
| Average total assets | $159,145,000 | 3,663 |
| Average earning assets | $145,639,500 | 3,669 |
| Average equity | $17,210,500 | 3,626 |
| Average total loans | $110,309,500 | 3,280 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 2,134 |
| Cost of funding earning assets | 0.3355% | 6,291 |
| Net interest margin | 4.4812% | 978 |
| Noninterest income to average assets | 1.4254% | 772 |
| Noninterest expense to average assets | 4.1316% | 829 |
| Loan and lease loss provision to assets | 0.5019% | 1,185 |
| Net operating income to assets | 0.8088% | 3,247 |
| Return on assets (ROA) | 0.9608% | 2,737 |
| Pretax return on assets | 0.9602% | 3,702 |
| Return on Equity (ROE) | 8.8045% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.4181% | 995 |
| Net charge-offs to loans | 0.3885% | 2,699 |
| Credit loss provision to net charge-offs | 186.1538% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.8590% | 3,225 |
| Efficiency ratio | 75.9273% | 2,757 |
| Assets per employee ($millions) | 4.8464% | 2,422 |
| Cash dividends to net income (ytd only)* | 4.3885% | 4,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 1,664 |
| Loan loss allowance to noncurrent loans | 73.2917% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.1188% | 2,312 |
| Noncurrent loans to loans | 2.9212% | 1,789 |
| Net loans and leases to total assets | 69.2293% | 1,991 |
| Net loans and leases to deposits | 81.9862% | 2,000 |
| Net loans and leases to core deposits | 91.1178% | 1,713 |
| Total domestic deposits to total assets | 84.4402% | 4,107 |
| Equity capital to assets | 10.7979% | 3,177 |
| Core capital (leverage) ratio | 11.2981% | 2,013 |
| Tier 1 risk-based capital ratio | 15.4522% | 3,459 |
| Total risk-based capital ratio | 16.7091% | 3,414 |
| Memoranda: | ||
| Average total assets | $144,664,000 | 3,868 |
| Average earning assets | $129,653,200 | 3,907 |
| Average equity | $15,787,400 | 3,812 |
| Average total loans | $100,384,200 | 3,515 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 2,027 |
| Cost of funding earning assets | 0.3467% | 6,393 |
| Net interest margin | 4.5479% | 905 |
| Noninterest income to average assets | 0.7677% | 2,391 |
| Noninterest expense to average assets | 3.8105% | 1,194 |
| Loan and lease loss provision to assets | 0.6532% | 808 |
| Net operating income to assets | 0.3548% | 5,415 |
| Return on assets (ROA) | 0.5613% | 4,829 |
| Pretax return on assets | 0.5613% | 5,275 |
| Return on Equity (ROE) | 5.1281% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.7851% | 3,528 |
| Net charge-offs to loans | 0.4052% | 2,476 |
| Credit loss provision to net charge-offs | 233.5570% | 1,186 |
| Earnings coverage of net charge-offs (x) | 3.6040% | 3,581 |
| Efficiency ratio | 79.0806% | 2,230 |
| Assets per employee ($millions) | 4.7921% | 2,459 |
| Cash dividends to net income (ytd only)* | 6.6887% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4243% | 1,312 |
| Loan loss allowance to noncurrent loans | 71.0371% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.3567% | 2,258 |
| Noncurrent loans to loans | 3.4127% | 1,601 |
| Net loans and leases to total assets | 65.3233% | 2,772 |
| Net loans and leases to deposits | 77.8851% | 2,675 |
| Net loans and leases to core deposits | 86.2817% | 2,426 |
| Total domestic deposits to total assets | 83.8713% | 4,286 |
| Equity capital to assets | 10.6540% | 3,662 |
| Core capital (leverage) ratio | 10.8836% | 2,506 |
| Tier 1 risk-based capital ratio | 14.7505% | 4,015 |
| Total risk-based capital ratio | 16.0166% | 3,960 |
| Memoranda: | ||
| Average total assets | $142,058,500 | 3,956 |
| Average earning assets | $126,531,500 | 4,006 |
| Average equity | $15,547,750 | 3,888 |
| Average total loans | $98,051,750 | 3,610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 1,966 |
| Cost of funding earning assets | 0.3508% | 6,507 |
| Net interest margin | 4.5882% | 852 |
| Noninterest income to average assets | 0.8020% | 2,167 |
| Noninterest expense to average assets | 3.7543% | 1,290 |
| Loan and lease loss provision to assets | 0.6119% | 962 |
| Net operating income to assets | 0.5304% | 4,671 |
| Return on assets (ROA) | 0.7063% | 4,097 |
| Pretax return on assets | 0.7063% | 4,814 |
| Return on Equity (ROE) | 6.3929% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.1341% | 2,625 |
| Net charge-offs to loans | 0.6640% | 1,657 |
| Credit loss provision to net charge-offs | 132.0988% | 2,078 |
| Earnings coverage of net charge-offs (x) | 2.4660% | 3,771 |
| Efficiency ratio | 76.6715% | 2,642 |
| Assets per employee ($millions) | 6.5087% | 951 |
| Cash dividends to net income (ytd only)* | 4.0486% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 1,917 |
| Loan loss allowance to noncurrent loans | 51.0736% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 2.7220% | 2,023 |
| Noncurrent loans to loans | 4.1817% | 1,309 |
| Net loans and leases to total assets | 62.1001% | 3,411 |
| Net loans and leases to deposits | 73.4238% | 3,395 |
| Net loans and leases to core deposits | 79.7347% | 3,255 |
| Total domestic deposits to total assets | 84.5777% | 4,062 |
| Equity capital to assets | 10.1262% | 4,155 |
| Core capital (leverage) ratio | 10.9592% | 2,345 |
| Tier 1 risk-based capital ratio | 15.2476% | 3,604 |
| Total risk-based capital ratio | 16.5018% | 3,570 |
| Memoranda: | ||
| Average total assets | $139,893,000 | 4,012 |
| Average earning assets | $124,843,330 | 4,056 |
| Average equity | $15,454,670 | 3,901 |
| Average total loans | $97,585,000 | 3,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 1,859 |
| Cost of funding earning assets | 0.4014% | 6,407 |
| Net interest margin | 4.6057% | 816 |
| Noninterest income to average assets | 1.0840% | 1,225 |
| Noninterest expense to average assets | 3.9655% | 972 |
| Loan and lease loss provision to assets | 0.4524% | 1,362 |
| Net operating income to assets | 0.7773% | 3,490 |
| Return on assets (ROA) | 0.7773% | 3,730 |
| Pretax return on assets | 0.7773% | 4,502 |
| Return on Equity (ROE) | 6.7046% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.7046% | 2,584 |
| Net charge-offs to loans | 0.5082% | 1,816 |
| Credit loss provision to net charge-offs | 121.1382% | 1,970 |
| Earnings coverage of net charge-offs (x) | 3.2927% | 2,892 |
| Efficiency ratio | 76.3296% | 2,741 |
| Assets per employee ($millions) | 5.8704% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1303% | 2,022 |
| Loan loss allowance to noncurrent loans | 37.2488% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 4.1335% | 1,326 |
| Noncurrent loans to loans | 5.7191% | 911 |
| Net loans and leases to total assets | 69.3791% | 1,870 |
| Net loans and leases to deposits | 84.8244% | 1,562 |
| Net loans and leases to core deposits | 92.8468% | 1,564 |
| Total domestic deposits to total assets | 81.7915% | 5,363 |
| Equity capital to assets | 11.4562% | 2,481 |
| Core capital (leverage) ratio | 11.7131% | 1,759 |
| Tier 1 risk-based capital ratio | 15.6294% | 3,377 |
| Total risk-based capital ratio | 16.8916% | 3,339 |
| Memoranda: | ||
| Average total assets | $131,735,000 | 4,191 |
| Average earning assets | $117,593,000 | 4,260 |
| Average equity | $15,273,000 | 3,941 |
| Average total loans | $96,816,000 | 3,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 2,667 |
| Cost of funding earning assets | 0.5095% | 6,487 |
| Net interest margin | 4.5381% | 1,050 |
| Noninterest income to average assets | 1.6918% | 493 |
| Noninterest expense to average assets | 4.7955% | 459 |
| Loan and lease loss provision to assets | 1.1363% | 793 |
| Net operating income to assets | -0.1494% | 6,207 |
| Return on assets (ROA) | -0.0040% | 6,165 |
| Pretax return on assets | -0.0040% | 6,133 |
| Return on Equity (ROE) | -0.0333% | 6,165 |
| Retained earnings to average equity (ytd only) | -0.5657% | 5,942 |
| Net charge-offs to loans | 1.6949% | 901 |
| Credit loss provision to net charge-offs | 94.7647% | 3,807 |
| Earnings coverage of net charge-offs (x) | 0.8231% | 5,185 |
| Efficiency ratio | 82.9325% | 1,890 |
| Assets per employee ($millions) | 5.5848% | 1,549 |
| Cash dividends to net income (ytd only)* | -1,600.0000% | 7,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 2,111 |
| Loan loss allowance to noncurrent loans | 53.5230% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 3.0113% | 2,000 |
| Noncurrent loans to loans | 3.8410% | 1,634 |
| Net loans and leases to total assets | 74.6627% | 1,144 |
| Net loans and leases to deposits | 91.0787% | 1,042 |
| Net loans and leases to core deposits | 100.7617% | 1,111 |
| Total domestic deposits to total assets | 81.9760% | 5,136 |
| Equity capital to assets | 11.7383% | 2,312 |
| Core capital (leverage) ratio | 11.2695% | 2,065 |
| Tier 1 risk-based capital ratio | 15.0256% | 3,623 |
| Total risk-based capital ratio | 16.2857% | 3,580 |
| Memoranda: | ||
| Average total assets | $125,846,000 | 4,253 |
| Average earning assets | $113,439,400 | 4,296 |
| Average equity | $15,024,400 | 3,900 |
| Average total loans | $89,032,000 | 3,879 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 3,183 |
| Cost of funding earning assets | 0.5605% | 6,473 |
| Net interest margin | 4.4203% | 1,344 |
| Noninterest income to average assets | 1.5006% | 586 |
| Noninterest expense to average assets | 4.7530% | 462 |
| Loan and lease loss provision to assets | 0.8126% | 1,142 |
| Net operating income to assets | -0.0671% | 6,244 |
| Return on assets (ROA) | 0.0245% | 6,218 |
| Pretax return on assets | 0.0245% | 6,203 |
| Return on Equity (ROE) | 0.2043% | 6,219 |
| Retained earnings to average equity (ytd only) | -0.3286% | 6,040 |
| Net charge-offs to loans | 1.6096% | 880 |
| Credit loss provision to net charge-offs | 72.8053% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.6679% | 5,124 |
| Efficiency ratio | 86.4420% | 1,489 |
| Assets per employee ($millions) | 5.5382% | 1,563 |
| Cash dividends to net income (ytd only)* | 260.8412% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,252 |
| Loan loss allowance to noncurrent loans | 95.9130% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 3,557 |
| Noncurrent loans to loans | 2.1169% | 3,222 |
| Net loans and leases to total assets | 65.5981% | 2,985 |
| Net loans and leases to deposits | 79.4002% | 2,743 |
| Net loans and leases to core deposits | 87.9429% | 2,503 |
| Total domestic deposits to total assets | 82.6170% | 4,828 |
| Equity capital to assets | 11.3800% | 2,795 |
| Core capital (leverage) ratio | 11.3312% | 2,137 |
| Tier 1 risk-based capital ratio | 15.0410% | 3,640 |
| Total risk-based capital ratio | 16.3110% | 3,599 |
| Memoranda: | ||
| Average total assets | $125,194,750 | 4,292 |
| Average earning assets | $113,232,750 | 4,319 |
| Average equity | $15,011,000 | 3,920 |
| Average total loans | $86,810,500 | 3,978 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 2,998 |
| Cost of funding earning assets | 0.6033% | 6,449 |
| Net interest margin | 4.4295% | 1,295 |
| Noninterest income to average assets | 1.9654% | 367 |
| Noninterest expense to average assets | 4.7415% | 465 |
| Loan and lease loss provision to assets | 1.0145% | 850 |
| Net operating income to assets | 0.2332% | 5,621 |
| Return on assets (ROA) | 0.3735% | 5,212 |
| Pretax return on assets | 0.3735% | 5,475 |
| Return on Equity (ROE) | 3.0589% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.5246% | 4,685 |
| Net charge-offs to loans | 1.7170% | 832 |
| Credit loss provision to net charge-offs | 84.1678% | 3,642 |
| Earnings coverage of net charge-offs (x) | 1.0352% | 4,516 |
| Efficiency ratio | 79.1667% | 2,526 |
| Assets per employee ($millions) | 5.1618% | 1,918 |
| Cash dividends to net income (ytd only)* | 17.4672% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,740 |
| Loan loss allowance to noncurrent loans | 59.9393% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8293% | 2,369 |
| Noncurrent loans to loans | 3.8387% | 1,808 |
| Net loans and leases to total assets | 64.9864% | 3,258 |
| Net loans and leases to deposits | 79.1343% | 2,949 |
| Net loans and leases to core deposits | 86.3549% | 2,856 |
| Total domestic deposits to total assets | 82.1216% | 5,126 |
| Equity capital to assets | 11.8053% | 2,239 |
| Core capital (leverage) ratio | 12.0711% | 1,567 |
| Tier 1 risk-based capital ratio | 16.0170% | 2,969 |
| Total risk-based capital ratio | 17.3044% | 2,917 |
| Memoranda: | ||
| Average total assets | $122,620,670 | 4,370 |
| Average earning assets | $111,388,330 | 4,403 |
| Average equity | $14,972,670 | 3,910 |
| Average total loans | $86,081,330 | 4,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 3,117 |
| Cost of funding earning assets | 0.6651% | 6,315 |
| Net interest margin | 4.3321% | 1,459 |
| Noninterest income to average assets | 1.6883% | 483 |
| Noninterest expense to average assets | 4.8070% | 432 |
| Loan and lease loss provision to assets | 0.4757% | 1,849 |
| Net operating income to assets | 0.3551% | 5,151 |
| Return on assets (ROA) | 0.3551% | 5,226 |
| Pretax return on assets | 0.3551% | 5,484 |
| Return on Equity (ROE) | 2.8568% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.3177% | 4,759 |
| Net charge-offs to loans | 0.3666% | 2,597 |
| Credit loss provision to net charge-offs | 179.7468% | 1,628 |
| Earnings coverage of net charge-offs (x) | 3.1392% | 2,841 |
| Efficiency ratio | 85.2644% | 1,803 |
| Assets per employee ($millions) | 4.7257% | 2,527 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 1,546 |
| Loan loss allowance to noncurrent loans | 53.9289% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 3.5420% | 1,918 |
| Noncurrent loans to loans | 4.5304% | 1,540 |
| Net loans and leases to total assets | 70.0345% | 2,119 |
| Net loans and leases to deposits | 88.3262% | 1,427 |
| Net loans and leases to core deposits | 93.9134% | 1,895 |
| Total domestic deposits to total assets | 79.2908% | 6,120 |
| Equity capital to assets | 12.1814% | 1,805 |
| Core capital (leverage) ratio | 12.3748% | 1,379 |
| Tier 1 risk-based capital ratio | 15.8237% | 2,986 |
| Total risk-based capital ratio | 17.0882% | 2,948 |
| Memoranda: | ||
| Average total assets | $119,409,000 | 4,501 |
| Average earning assets | $108,861,500 | 4,501 |
| Average equity | $14,842,000 | 3,930 |
| Average total loans | $86,204,000 | 4,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 4,282 |
| Cost of funding earning assets | 0.8773% | 6,255 |
| Net interest margin | 4.1829% | 2,250 |
| Noninterest income to average assets | 1.5709% | 594 |
| Noninterest expense to average assets | 5.1978% | 366 |
| Loan and lease loss provision to assets | 0.9870% | 1,645 |
| Net operating income to assets | -1.0066% | 6,684 |
| Return on assets (ROA) | -0.8699% | 6,638 |
| Pretax return on assets | -0.8699% | 6,556 |
| Return on Equity (ROE) | -7.6088% | 6,596 |
| Retained earnings to average equity (ytd only) | -7.9760% | 6,534 |
| Net charge-offs to loans | 0.2475% | 4,809 |
| Credit loss provision to net charge-offs | 571.1864% | 390 |
| Earnings coverage of net charge-offs (x) | -0.1130% | 6,231 |
| Efficiency ratio | 100.3771% | 762 |
| Assets per employee ($millions) | 4.4596% | 2,940 |
| Cash dividends to net income (ytd only)* | -4.8260% | 7,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4845% | 1,427 |
| Loan loss allowance to noncurrent loans | 49.8333% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 3.9276% | 1,734 |
| Noncurrent loans to loans | 4.9856% | 1,351 |
| Net loans and leases to total assets | 70.8159% | 2,350 |
| Net loans and leases to deposits | 90.3998% | 1,474 |
| Net loans and leases to core deposits | 99.9623% | 1,617 |
| Total domestic deposits to total assets | 78.3364% | 6,248 |
| Equity capital to assets | 12.6925% | 1,535 |
| Core capital (leverage) ratio | 12.0604% | 1,505 |
| Tier 1 risk-based capital ratio | 15.7820% | 2,851 |
| Total risk-based capital ratio | 17.0448% | 2,811 |
| Memoranda: | ||
| Average total assets | $102,427,400 | 4,915 |
| Average earning assets | $88,335,000 | 5,071 |
| Average equity | $11,710,200 | 4,692 |
| Average total loans | $71,514,600 | 4,622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 4,322 |
| Cost of funding earning assets | 0.9209% | 6,307 |
| Net interest margin | 4.1772% | 2,308 |
| Noninterest income to average assets | 1.1281% | 1,098 |
| Noninterest expense to average assets | 4.9901% | 385 |
| Loan and lease loss provision to assets | 1.0109% | 1,465 |
| Net operating income to assets | -1.3192% | 7,042 |
| Return on assets (ROA) | -1.3192% | 7,067 |
| Pretax return on assets | -1.3192% | 6,985 |
| Return on Equity (ROE) | -11.9234% | 7,012 |
| Retained earnings to average equity (ytd only) | -12.3128% | 6,984 |
| Net charge-offs to loans | 0.1327% | 5,235 |
| Credit loss provision to net charge-offs | 1,104.4118% | 269 |
| Earnings coverage of net charge-offs (x) | -3.3679% | 6,568 |
| Efficiency ratio | 106.5842% | 588 |
| Assets per employee ($millions) | 4.9733% | 2,216 |
| Cash dividends to net income (ytd only)* | -3.2657% | 7,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4717% | 1,372 |
| Loan loss allowance to noncurrent loans | 84.3180% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 2.6603% | 2,715 |
| Noncurrent loans to loans | 2.9314% | 2,719 |
| Net loans and leases to total assets | 66.9557% | 3,472 |
| Net loans and leases to deposits | 84.8611% | 2,546 |
| Net loans and leases to core deposits | 104.5741% | 1,434 |
| Total domestic deposits to total assets | 78.9004% | 6,045 |
| Equity capital to assets | 12.8136% | 1,676 |
| Core capital (leverage) ratio | 13.0680% | 1,203 |
| Tier 1 risk-based capital ratio | 17.5060% | 2,172 |
| Total risk-based capital ratio | 18.7691% | 2,140 |
| Memoranda: | ||
| Average total assets | $99,046,750 | 5,076 |
| Average earning assets | $84,265,250 | 5,259 |
| Average equity | $10,958,500 | 4,936 |
| Average total loans | $68,342,500 | 4,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 3,583 |
| Cost of funding earning assets | 0.9442% | 6,406 |
| Net interest margin | 4.3314% | 1,664 |
| Noninterest income to average assets | 0.6792% | 2,823 |
| Noninterest expense to average assets | 5.3485% | 299 |
| Loan and lease loss provision to assets | 1.2392% | 1,129 |
| Net operating income to assets | -2.2846% | 7,371 |
| Return on assets (ROA) | -2.2846% | 7,382 |
| Pretax return on assets | -2.2846% | 7,317 |
| Return on Equity (ROE) | -22.0653% | 7,321 |
| Retained earnings to average equity (ytd only) | -22.5177% | 7,315 |
| Net charge-offs to loans | 0.2248% | 4,252 |
| Credit loss provision to net charge-offs | 797.2603% | 465 |
| Earnings coverage of net charge-offs (x) | -6.7260% | 6,301 |
| Efficiency ratio | 124.2949% | 358 |
| Assets per employee ($millions) | 4.3598% | 3,114 |
| Cash dividends to net income (ytd only)* | -2.0503% | 7,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 1,312 |
| Loan loss allowance to noncurrent loans | 114.7403% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 3,386 |
| Noncurrent loans to loans | 2.1731% | 3,507 |
| Net loans and leases to total assets | 63.3971% | 4,374 |
| Net loans and leases to deposits | 79.5265% | 3,684 |
| Net loans and leases to core deposits | 101.7898% | 1,845 |
| Total domestic deposits to total assets | 79.7181% | 5,812 |
| Equity capital to assets | 11.0226% | 2,839 |
| Core capital (leverage) ratio | 12.1355% | 1,571 |
| Tier 1 risk-based capital ratio | 14.6597% | 3,347 |
| Total risk-based capital ratio | 15.8629% | 3,347 |
| Memoranda: | ||
| Average total assets | $93,933,670 | 5,251 |
| Average earning assets | $78,588,670 | 5,489 |
| Average equity | $9,725,670 | 5,280 |
| Average total loans | $64,947,000 | 4,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 3,454 |
| Cost of funding earning assets | 0.9415% | 6,614 |
| Net interest margin | 4.3771% | 1,452 |
| Noninterest income to average assets | 0.5463% | 3,678 |
| Noninterest expense to average assets | 5.6572% | 255 |
| Loan and lease loss provision to assets | 0.8009% | 1,581 |
| Net operating income to assets | -2.2314% | 7,508 |
| Return on assets (ROA) | -2.2314% | 7,517 |
| Pretax return on assets | -2.2314% | 7,465 |
| Return on Equity (ROE) | -22.4669% | 7,474 |
| Retained earnings to average equity (ytd only) | -22.4669% | 7,426 |
| Net charge-offs to loans | -0.1291% | 7,571 |
| Credit loss provision to net charge-offs | -865.0000% | 6,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8445% | 298 |
| Assets per employee ($millions) | 3.8723% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2161% | 1,719 |
| Loan loss allowance to noncurrent loans | 98.0405% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 2.5442% | 2,856 |
| Noncurrent loans to loans | 2.2604% | 3,445 |
| Net loans and leases to total assets | 71.8843% | 2,476 |
| Net loans and leases to deposits | 89.5790% | 1,970 |
| Net loans and leases to core deposits | 122.5344% | 688 |
| Total domestic deposits to total assets | 80.2468% | 5,705 |
| Equity capital to assets | 12.6875% | 1,663 |
| Core capital (leverage) ratio | 13.2588% | 1,137 |
| Tier 1 risk-based capital ratio | 15.7125% | 2,772 |
| Total risk-based capital ratio | 16.9805% | 2,711 |
| Memoranda: | ||
| Average total assets | $86,403,500 | 5,563 |
| Average earning assets | $72,650,500 | 5,755 |
| Average equity | $8,581,500 | 5,664 |
| Average total loans | $61,987,500 | 5,181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 2,890 |
| Cost of funding earning assets | 1.2623% | 6,429 |
| Net interest margin | 4.4822% | 1,211 |
| Noninterest income to average assets | 1.6097% | 558 |
| Noninterest expense to average assets | 6.2732% | 280 |
| Loan and lease loss provision to assets | 2.9238% | 607 |
| Net operating income to assets | -3.7750% | 7,568 |
| Return on assets (ROA) | -3.6907% | 7,558 |
| Pretax return on assets | -3.6907% | 7,464 |
| Return on Equity (ROE) | -40.4305% | 7,577 |
| Retained earnings to average equity (ytd only) | -40.7635% | 7,564 |
| Net charge-offs to loans | 4.6799% | 299 |
| Credit loss provision to net charge-offs | 94.5065% | 5,830 |
| Earnings coverage of net charge-offs (x) | -0.2751% | 6,520 |
| Efficiency ratio | 115.6983% | 677 |
| Assets per employee ($millions) | 3.3497% | 5,377 |
| Cash dividends to net income (ytd only)* | -0.8237% | 7,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 1,730 |
| Loan loss allowance to noncurrent loans | 159.0392% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 2.0276% | 3,365 |
| Noncurrent loans to loans | 1.3521% | 4,667 |
| Net loans and leases to total assets | 68.3556% | 3,623 |
| Net loans and leases to deposits | 78.4215% | 4,294 |
| Net loans and leases to core deposits | 122.2723% | 1,758 |
| Total domestic deposits to total assets | 87.1643% | 2,407 |
| Equity capital to assets | 7.0012% | 7,369 |
| Core capital (leverage) ratio | 7.5876% | 6,697 |
| Tier 1 risk-based capital ratio | 8.9931% | 7,470 |
| Total risk-based capital ratio | 10.2330% | 7,496 |
| Memoranda: | ||
| Average total assets | $72,371,600 | 5,931 |
| Average earning assets | $61,554,000 | 6,076 |
| Average equity | $6,606,400 | 6,390 |
| Average total loans | $47,843,200 | 5,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 3,853 |
| Cost of funding earning assets | 1.3085% | 6,531 |
| Net interest margin | 4.2929% | 1,746 |
| Noninterest income to average assets | 1.6108% | 567 |
| Noninterest expense to average assets | 6.2879% | 275 |
| Loan and lease loss provision to assets | 3.9618% | 306 |
| Net operating income to assets | -4.9206% | 7,832 |
| Return on assets (ROA) | -4.9206% | 7,831 |
| Pretax return on assets | -4.9206% | 7,799 |
| Return on Equity (ROE) | -50.3699% | 7,835 |
| Retained earnings to average equity (ytd only) | -50.8017% | 7,835 |
| Net charge-offs to loans | 6.5221% | 123 |
| Credit loss provision to net charge-offs | 93.4842% | 5,393 |
| Earnings coverage of net charge-offs (x) | -0.2262% | 6,309 |
| Efficiency ratio | 117.9921% | 625 |
| Assets per employee ($millions) | 3.2313% | 5,567 |
| Cash dividends to net income (ytd only)* | -0.8573% | 7,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4482% | 1,113 |
| Loan loss allowance to noncurrent loans | 142.8406% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 2.1325% | 3,185 |
| Noncurrent loans to loans | 1.7139% | 4,069 |
| Net loans and leases to total assets | 69.3356% | 3,647 |
| Net loans and leases to deposits | 81.9233% | 4,036 |
| Net loans and leases to core deposits | 115.6065% | 2,665 |
| Total domestic deposits to total assets | 84.6348% | 3,415 |
| Equity capital to assets | 8.5287% | 6,216 |
| Core capital (leverage) ratio | 8.1861% | 6,042 |
| Tier 1 risk-based capital ratio | 9.1870% | 7,546 |
| Total risk-based capital ratio | 10.4449% | 7,539 |
| Memoranda: | ||
| Average total assets | $69,528,750 | 6,056 |
| Average earning assets | $60,221,750 | 6,165 |
| Average equity | $6,792,250 | 6,392 |
| Average total loans | $45,178,750 | 5,916 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 5,889 |
| Cost of funding earning assets | 1.3500% | 6,648 |
| Net interest margin | 3.8963% | 3,132 |
| Noninterest income to average assets | 0.4782% | 4,642 |
| Noninterest expense to average assets | 5.2921% | 425 |
| Loan and lease loss provision to assets | 5.3240% | 173 |
| Net operating income to assets | -6.7586% | 8,035 |
| Return on assets (ROA) | -6.7586% | 8,030 |
| Pretax return on assets | -6.7586% | 8,007 |
| Return on Equity (ROE) | -66.2940% | 8,006 |
| Retained earnings to average equity (ytd only) | -66.2940% | 8,001 |
| Net charge-offs to loans | 9.3557% | 68 |
| Credit loss provision to net charge-offs | 90.4926% | 4,909 |
| Earnings coverage of net charge-offs (x) | -0.2438% | 5,916 |
| Efficiency ratio | 137.1901% | 459 |
| Assets per employee ($millions) | 3.0348% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5944% | 831 |
| Loan loss allowance to noncurrent loans | 85.2224% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 3.6456% | 1,695 |
| Noncurrent loans to loans | 3.0443% | 2,363 |
| Net loans and leases to total assets | 66.8050% | 4,400 |
| Net loans and leases to deposits | 77.7964% | 4,910 |
| Net loans and leases to core deposits | 102.0127% | 4,280 |
| Total domestic deposits to total assets | 85.8716% | 2,851 |
| Equity capital to assets | 9.3116% | 4,852 |
| Core capital (leverage) ratio | 8.8100% | 4,933 |
| Tier 1 risk-based capital ratio | 10.1275% | 6,800 |
| Total risk-based capital ratio | 11.3504% | 6,746 |
| Memoranda: | ||
| Average total assets | $69,008,670 | 6,111 |
| Average earning assets | $59,852,000 | 6,230 |
| Average equity | $7,035,330 | 6,357 |
| Average total loans | $43,396,000 | 6,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 7,145 |
| Cost of funding earning assets | 1.4828% | 6,459 |
| Net interest margin | 3.4293% | 5,016 |
| Noninterest income to average assets | 0.4107% | 5,125 |
| Noninterest expense to average assets | 5.0021% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.5970% | 7,540 |
| Return on assets (ROA) | -1.5970% | 7,541 |
| Pretax return on assets | -1.5970% | 7,403 |
| Return on Equity (ROE) | -15.0447% | 7,604 |
| Retained earnings to average equity (ytd only) | -15.0447% | 7,438 |
| Net charge-offs to loans | 3.7158% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 5,307 |
| Efficiency ratio | 146.9012% | 371 |
| Assets per employee ($millions) | 3.2720% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3145% | 927 |
| Loan loss allowance to noncurrent loans | 21.0381% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 6.5307% | 566 |
| Noncurrent loans to loans | 11.0014% | 225 |
| Net loans and leases to total assets | 57.9887% | 5,940 |
| Net loans and leases to deposits | 67.1568% | 6,255 |
| Net loans and leases to core deposits | 84.7639% | 5,998 |
| Total domestic deposits to total assets | 86.3482% | 2,527 |
| Equity capital to assets | 11.4013% | 2,657 |
| Core capital (leverage) ratio | 12.2053% | 1,813 |
| Tier 1 risk-based capital ratio | 14.8596% | 3,132 |
| Total risk-based capital ratio | 16.1163% | 3,056 |
| Memoranda: | ||
| Average total assets | $70,130,000 | 6,111 |
| Average earning assets | $61,237,500 | 6,206 |
| Average equity | $7,444,500 | 6,244 |
| Average total loans | $42,198,500 | 6,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3274% | 3,811 |
| Cost of funding earning assets | 2.4729% | 4,351 |
| Net interest margin | 3.8545% | 3,774 |
| Noninterest income to average assets | 0.9546% | 1,746 |
| Noninterest expense to average assets | 4.8042% | 710 |
| Loan and lease loss provision to assets | 2.2781% | 497 |
| Net operating income to assets | -2.5099% | 7,712 |
| Return on assets (ROA) | -3.7511% | 7,927 |
| Pretax return on assets | -4.1201% | 7,913 |
| Return on Equity (ROE) | -30.4563% | 7,968 |
| Retained earnings to average equity (ytd only) | -30.4563% | 7,920 |
| Net charge-offs to loans | 2.1866% | 473 |
| Credit loss provision to net charge-offs | 160.5263% | 3,217 |
| Earnings coverage of net charge-offs (x) | -0.3368% | 6,434 |
| Efficiency ratio | 111.0497% | 689 |
| Assets per employee ($millions) | 3.1035% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3169% | 331 |
| Loan loss allowance to noncurrent loans | 37.8112% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 5.3532% | 613 |
| Noncurrent loans to loans | 8.7721% | 282 |
| Net loans and leases to total assets | 59.0008% | 6,054 |
| Net loans and leases to deposits | 70.1006% | 6,269 |
| Net loans and leases to core deposits | 88.2106% | 5,954 |
| Total domestic deposits to total assets | 84.1660% | 3,232 |
| Equity capital to assets | 9.7866% | 4,311 |
| Core capital (leverage) ratio | 9.6934% | 3,773 |
| Tier 1 risk-based capital ratio | 12.1765% | 4,684 |
| Total risk-based capital ratio | 13.3835% | 4,602 |
| Memoranda: | ||
| Average total assets | $66,940,800 | 6,126 |
| Average earning assets | $58,554,800 | 6,236 |
| Average equity | $8,244,600 | 5,992 |
| Average total loans | $43,446,400 | 6,005 |