Home > Empire State Bank > Performance and Condition Ratios
Empire State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 2,607 |
| Cost of funding earning assets | 1.9191% | 1,039 |
| Net interest margin | 2.8151% | 3,634 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.4077% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3448% | 3,963 |
| Return on assets (ROA) | 0.3448% | 3,957 |
| Pretax return on assets | 0.4477% | 3,900 |
| Return on Equity (ROE) | 3.7200% | 3,931 |
| Retained earnings to average equity (ytd only) | 3.7178% | 3,052 |
| Net charge-offs to loans | 0.0447% | 1,444 |
| Credit loss provision to net charge-offs | 122.8571% | 1,654 |
| Earnings coverage of net charge-offs (x) | 11.5020% | 2,187 |
| Efficiency ratio | 84.2270% | 652 |
| Assets per employee ($millions) | 11.0152% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 3,735 |
| Loan loss allowance to noncurrent loans | 336.3757% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 2,030 |
| Noncurrent loans to loans | 0.2657% | 2,233 |
| Net loans and leases to total assets | 88.2700% | 76 |
| Net loans and leases to deposits | 113.2181% | 144 |
| Net loans and leases to core deposits | 142.8919% | 245 |
| Total domestic deposits to total assets | 77.9600% | 3,733 |
| Equity capital to assets | 9.2386% | 2,517 |
| Core capital (leverage) ratio | 9.4545% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8579% | 1,573 |
| Memoranda: | ||
| Average total assets | $625,007,600 | 1,426 |
| Average earning assets | $595,812,000 | 1,386 |
| Average equity | $57,964,000 | 1,427 |
| Average total loans | $547,803,200 | 1,156 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 2,524 |
| Cost of funding earning assets | 1.7249% | 1,139 |
| Net interest margin | 2.9488% | 3,433 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.4212% | 2,460 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4074% | 3,955 |
| Return on assets (ROA) | 0.4074% | 3,945 |
| Pretax return on assets | 0.5292% | 3,862 |
| Return on Equity (ROE) | 4.3900% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.3882% | 3,151 |
| Net charge-offs to loans | 0.0614% | 1,049 |
| Credit loss provision to net charge-offs | 99.6000% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.2800% | 2,132 |
| Efficiency ratio | 81.4534% | 763 |
| Assets per employee ($millions) | 9.8510% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 3,753 |
| Loan loss allowance to noncurrent loans | 332.1004% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 1,938 |
| Noncurrent loans to loans | 0.2690% | 2,278 |
| Net loans and leases to total assets | 88.4800% | 66 |
| Net loans and leases to deposits | 117.0871% | 101 |
| Net loans and leases to core deposits | 146.4052% | 166 |
| Total domestic deposits to total assets | 75.5700% | 4,055 |
| Equity capital to assets | 9.2944% | 2,228 |
| Core capital (leverage) ratio | 9.5362% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7233% | 1,650 |
| Memoranda: | ||
| Average total assets | $621,538,500 | 1,433 |
| Average earning assets | $592,234,750 | 1,399 |
| Average equity | $57,699,000 | 1,419 |
| Average total loans | $542,502,500 | 1,161 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 2,378 |
| Cost of funding earning assets | 1.5998% | 1,070 |
| Net interest margin | 3.0198% | 3,379 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.3645% | 2,609 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5164% | 3,774 |
| Return on assets (ROA) | 0.5164% | 3,783 |
| Pretax return on assets | 0.6703% | 3,663 |
| Return on Equity (ROE) | 5.5600% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.5645% | 2,759 |
| Net charge-offs to loans | 0.0892% | 732 |
| Credit loss provision to net charge-offs | 53.1381% | 1,657 |
| Earnings coverage of net charge-offs (x) | 8.7448% | 2,043 |
| Efficiency ratio | 77.7731% | 1,015 |
| Assets per employee ($millions) | 10.2968% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 3,808 |
| Loan loss allowance to noncurrent loans | 320.3257% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 1,854 |
| Noncurrent loans to loans | 0.2785% | 2,149 |
| Net loans and leases to total assets | 86.9800% | 118 |
| Net loans and leases to deposits | 107.3019% | 265 |
| Net loans and leases to core deposits | 131.2656% | 313 |
| Total domestic deposits to total assets | 81.0600% | 3,424 |
| Equity capital to assets | 9.2754% | 2,330 |
| Core capital (leverage) ratio | 9.3978% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9185% | 1,597 |
| Memoranda: | ||
| Average total assets | $618,562,333 | 1,434 |
| Average earning assets | $589,447,333 | 1,400 |
| Average equity | $57,399,333 | 1,431 |
| Average total loans | $535,708,000 | 1,162 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 2,368 |
| Cost of funding earning assets | 1.4809% | 879 |
| Net interest margin | 2.9974% | 3,609 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.3278% | 2,739 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.5011% | 3,897 |
| Return on assets (ROA) | 0.5011% | 3,861 |
| Pretax return on assets | 0.6510% | 3,754 |
| Return on Equity (ROE) | 5.4000% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.3994% | 2,923 |
| Net charge-offs to loans | 0.1811% | 397 |
| Credit loss provision to net charge-offs | 38.4937% | 1,322 |
| Earnings coverage of net charge-offs (x) | 4.1088% | 1,862 |
| Efficiency ratio | 78.4365% | 961 |
| Assets per employee ($millions) | 10.1520% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 3,856 |
| Loan loss allowance to noncurrent loans | 461.8732% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 2,191 |
| Noncurrent loans to loans | 0.1946% | 2,503 |
| Net loans and leases to total assets | 84.1800% | 227 |
| Net loans and leases to deposits | 109.4440% | 189 |
| Net loans and leases to core deposits | 133.5590% | 240 |
| Total domestic deposits to total assets | 76.9200% | 4,084 |
| Equity capital to assets | 8.9840% | 2,534 |
| Core capital (leverage) ratio | 9.6507% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1222% | 1,594 |
| Memoranda: | ||
| Average total assets | $613,792,000 | 1,465 |
| Average earning assets | $584,516,000 | 1,434 |
| Average equity | $56,969,500 | 1,454 |
| Average total loans | $527,938,500 | 1,181 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 1,399 |
| Cost of funding earning assets | 0.5750% | 992 |
| Net interest margin | 3.5571% | 1,764 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5501% | 1,969 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1306% | 2,050 |
| Return on assets (ROA) | 1.1306% | 1,993 |
| Pretax return on assets | 1.4158% | 1,725 |
| Return on Equity (ROE) | 11.3800% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.3825% | 813 |
| Net charge-offs to loans | -0.0155% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5374% | 2,427 |
| Assets per employee ($millions) | 9.1876% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,681 |
| Loan loss allowance to noncurrent loans | 411.2281% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 1,943 |
| Noncurrent loans to loans | 0.2780% | 2,159 |
| Net loans and leases to total assets | 86.1800% | 143 |
| Net loans and leases to deposits | 111.4672% | 139 |
| Net loans and leases to core deposits | 134.8351% | 187 |
| Total domestic deposits to total assets | 77.3100% | 4,140 |
| Equity capital to assets | 9.6052% | 1,932 |
| Core capital (leverage) ratio | 10.1106% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5103% | 1,475 |
| Memoranda: | ||
| Average total assets | $542,360,600 | 1,627 |
| Average earning assets | $513,367,200 | 1,597 |
| Average equity | $53,872,000 | 1,526 |
| Average total loans | $452,343,400 | 1,267 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 1,193 |
| Cost of funding earning assets | 0.4146% | 1,193 |
| Net interest margin | 3.6219% | 1,344 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5963% | 1,723 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.2724% | 1,451 |
| Return on assets (ROA) | 1.2724% | 1,414 |
| Pretax return on assets | 1.5790% | 1,177 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 12.6941% | 664 |
| Net charge-offs to loans | -0.0210% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.8549% | 2,709 |
| Assets per employee ($millions) | 9.8521% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,511 |
| Loan loss allowance to noncurrent loans | 336.2522% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 1,729 |
| Noncurrent loans to loans | 0.3577% | 1,952 |
| Net loans and leases to total assets | 84.2500% | 224 |
| Net loans and leases to deposits | 102.9990% | 263 |
| Net loans and leases to core deposits | 119.1046% | 275 |
| Total domestic deposits to total assets | 81.8000% | 3,870 |
| Equity capital to assets | 9.8668% | 1,681 |
| Core capital (leverage) ratio | 10.3358% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9640% | 1,439 |
| Memoranda: | ||
| Average total assets | $530,949,250 | 1,671 |
| Average earning assets | $501,965,750 | 1,636 |
| Average equity | $53,220,250 | 1,558 |
| Average total loans | $437,281,250 | 1,290 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 879 |
| Cost of funding earning assets | 0.3033% | 1,688 |
| Net interest margin | 3.7348% | 861 |
| Noninterest income to average assets | 0.9782% | 706 |
| Noninterest expense to average assets | 2.6723% | 1,453 |
| Loan and lease loss provision to assets | -0.0684% | 4,551 |
| Net operating income to assets | 1.5267% | 661 |
| Return on assets (ROA) | 1.5267% | 640 |
| Pretax return on assets | 1.8973% | 471 |
| Return on Equity (ROE) | 15.1455% | 865 |
| Retained earnings to average equity (ytd only) | 15.1455% | 250 |
| Net charge-offs to loans | -0.0307% | 4,046 |
| Credit loss provision to net charge-offs | 273.8462% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3686% | 3,387 |
| Assets per employee ($millions) | 7.8831% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,929 |
| Loan loss allowance to noncurrent loans | 278.2020% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 1,379 |
| Noncurrent loans to loans | 0.4879% | 1,651 |
| Net loans and leases to total assets | 82.9157% | 243 |
| Net loans and leases to deposits | 103.7860% | 174 |
| Net loans and leases to core deposits | 114.8867% | 262 |
| Total domestic deposits to total assets | 79.8910% | 4,236 |
| Equity capital to assets | 10.8005% | 1,309 |
| Core capital (leverage) ratio | 9.9374% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0286% | 1,180 |
| Memoranda: | ||
| Average total assets | $520,741,667 | 1,695 |
| Average earning assets | $491,211,667 | 1,675 |
| Average equity | $52,490,667 | 1,618 |
| Average total loans | $423,409,667 | 1,320 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 862 |
| Cost of funding earning assets | 0.2752% | 1,874 |
| Net interest margin | 3.6661% | 799 |
| Noninterest income to average assets | 0.3812% | 2,807 |
| Noninterest expense to average assets | 2.6261% | 1,535 |
| Loan and lease loss provision to assets | -0.0855% | 4,576 |
| Net operating income to assets | 1.0596% | 1,654 |
| Return on assets (ROA) | 1.0596% | 1,649 |
| Pretax return on assets | 1.3062% | 1,488 |
| Return on Equity (ROE) | 10.8835% | 1,655 |
| Retained earnings to average equity (ytd only) | 10.8835% | 802 |
| Net charge-offs to loans | -0.0019% | 3,102 |
| Credit loss provision to net charge-offs | 5,650.0000% | 85 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2658% | 2,469 |
| Assets per employee ($millions) | 8.2158% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 1,997 |
| Loan loss allowance to noncurrent loans | 330.9195% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 1,831 |
| Noncurrent loans to loans | 0.4162% | 1,999 |
| Net loans and leases to total assets | 76.0340% | 508 |
| Net loans and leases to deposits | 88.9564% | 563 |
| Net loans and leases to core deposits | 97.3091% | 600 |
| Total domestic deposits to total assets | 85.4734% | 3,413 |
| Equity capital to assets | 9.6072% | 2,204 |
| Core capital (leverage) ratio | 9.9792% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7671% | 1,323 |
| Memoranda: | ||
| Average total assets | $528,854,500 | 1,688 |
| Average earning assets | $499,927,500 | 1,670 |
| Average equity | $51,491,000 | 1,698 |
| Average total loans | $423,075,000 | 1,317 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 1,013 |
| Cost of funding earning assets | 0.3661% | 1,802 |
| Net interest margin | 3.8206% | 966 |
| Noninterest income to average assets | 0.2450% | 3,905 |
| Noninterest expense to average assets | 2.4356% | 2,373 |
| Loan and lease loss provision to assets | 0.1299% | 944 |
| Net operating income to assets | 1.0678% | 2,427 |
| Return on assets (ROA) | 1.0678% | 2,501 |
| Pretax return on assets | 1.3169% | 2,311 |
| Return on Equity (ROE) | 11.4611% | 1,999 |
| Retained earnings to average equity (ytd only) | 11.4611% | 622 |
| Net charge-offs to loans | 0.0574% | 1,216 |
| Credit loss provision to net charge-offs | 263.7795% | 1,135 |
| Earnings coverage of net charge-offs (x) | 29.3819% | 1,618 |
| Efficiency ratio | 62.7353% | 2,760 |
| Assets per employee ($millions) | 8.1812% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,046 |
| Loan loss allowance to noncurrent loans | 307.7609% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 1,742 |
| Noncurrent loans to loans | 0.4455% | 2,019 |
| Net loans and leases to total assets | 81.9214% | 183 |
| Net loans and leases to deposits | 96.1045% | 311 |
| Net loans and leases to core deposits | 103.1132% | 434 |
| Total domestic deposits to total assets | 85.2420% | 3,193 |
| Equity capital to assets | 9.8732% | 2,780 |
| Core capital (leverage) ratio | 9.8932% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7050% | 1,337 |
| Memoranda: | ||
| Average total assets | $515,847,600 | 1,661 |
| Average earning assets | $491,099,800 | 1,635 |
| Average equity | $48,058,400 | 1,819 |
| Average total loans | $442,158,400 | 1,281 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 1,184 |
| Cost of funding earning assets | 0.3935% | 1,751 |
| Net interest margin | 3.7562% | 1,211 |
| Noninterest income to average assets | 0.2209% | 4,083 |
| Noninterest expense to average assets | 2.3919% | 2,463 |
| Loan and lease loss provision to assets | 0.1525% | 731 |
| Net operating income to assets | 1.0202% | 2,834 |
| Return on assets (ROA) | 1.0202% | 2,899 |
| Pretax return on assets | 1.2559% | 2,751 |
| Return on Equity (ROE) | 11.1167% | 2,337 |
| Retained earnings to average equity (ytd only) | 11.1167% | 1,035 |
| Net charge-offs to loans | 0.0754% | 906 |
| Credit loss provision to net charge-offs | 234.1270% | 1,134 |
| Earnings coverage of net charge-offs (x) | 21.6270% | 1,708 |
| Efficiency ratio | 62.9403% | 2,539 |
| Assets per employee ($millions) | 8.0007% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,324 |
| Loan loss allowance to noncurrent loans | 314.5573% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,982 |
| Noncurrent loans to loans | 0.4234% | 2,296 |
| Net loans and leases to total assets | 85.1192% | 87 |
| Net loans and leases to deposits | 101.1426% | 202 |
| Net loans and leases to core deposits | 106.2272% | 400 |
| Total domestic deposits to total assets | 84.1576% | 3,419 |
| Equity capital to assets | 9.7910% | 3,109 |
| Core capital (leverage) ratio | 9.5757% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8974% | 1,369 |
| Memoranda: | ||
| Average total assets | $515,955,500 | 1,678 |
| Average earning assets | $491,654,750 | 1,641 |
| Average equity | $47,351,000 | 1,868 |
| Average total loans | $445,671,750 | 1,294 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 1,358 |
| Cost of funding earning assets | 0.4323% | 1,645 |
| Net interest margin | 3.6617% | 1,440 |
| Noninterest income to average assets | 0.1450% | 4,471 |
| Noninterest expense to average assets | 2.2622% | 2,873 |
| Loan and lease loss provision to assets | 0.1962% | 568 |
| Net operating income to assets | 0.9655% | 3,015 |
| Return on assets (ROA) | 0.9655% | 3,096 |
| Pretax return on assets | 1.1863% | 2,948 |
| Return on Equity (ROE) | 10.7531% | 2,512 |
| Retained earnings to average equity (ytd only) | 10.7531% | 1,184 |
| Net charge-offs to loans | 0.1131% | 681 |
| Credit loss provision to net charge-offs | 200.7874% | 1,052 |
| Earnings coverage of net charge-offs (x) | 14.1496% | 1,677 |
| Efficiency ratio | 62.0686% | 2,718 |
| Assets per employee ($millions) | 7.9460% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,581 |
| Loan loss allowance to noncurrent loans | 330.1909% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 2,257 |
| Noncurrent loans to loans | 0.3850% | 2,521 |
| Net loans and leases to total assets | 85.8563% | 87 |
| Net loans and leases to deposits | 103.5896% | 189 |
| Net loans and leases to core deposits | 109.2529% | 382 |
| Total domestic deposits to total assets | 82.8812% | 3,733 |
| Equity capital to assets | 9.2790% | 3,530 |
| Core capital (leverage) ratio | 9.5775% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9138% | 1,356 |
| Memoranda: | ||
| Average total assets | $519,925,333 | 1,655 |
| Average earning assets | $496,923,000 | 1,612 |
| Average equity | $46,684,333 | 1,874 |
| Average total loans | $449,285,333 | 1,291 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 1,320 |
| Cost of funding earning assets | 0.4674% | 1,606 |
| Net interest margin | 3.6657% | 1,411 |
| Noninterest income to average assets | 0.1603% | 4,395 |
| Noninterest expense to average assets | 2.2191% | 3,046 |
| Loan and lease loss provision to assets | 0.2991% | 314 |
| Net operating income to assets | 0.9447% | 2,986 |
| Return on assets (ROA) | 0.9447% | 3,075 |
| Pretax return on assets | 1.1602% | 2,950 |
| Return on Equity (ROE) | 10.6982% | 2,459 |
| Retained earnings to average equity (ytd only) | 10.6982% | 1,473 |
| Net charge-offs to loans | 0.1193% | 597 |
| Credit loss provision to net charge-offs | 291.0448% | 770 |
| Earnings coverage of net charge-offs (x) | 14.2015% | 1,372 |
| Efficiency ratio | 60.3294% | 2,990 |
| Assets per employee ($millions) | 8.5123% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,765 |
| Loan loss allowance to noncurrent loans | 309.4309% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 2,403 |
| Noncurrent loans to loans | 0.3974% | 2,676 |
| Net loans and leases to total assets | 86.8915% | 68 |
| Net loans and leases to deposits | 113.0479% | 111 |
| Net loans and leases to core deposits | 120.3169% | 235 |
| Total domestic deposits to total assets | 76.8626% | 4,530 |
| Equity capital to assets | 8.8418% | 3,841 |
| Core capital (leverage) ratio | 9.6727% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9244% | 1,315 |
| Memoranda: | ||
| Average total assets | $521,643,000 | 1,632 |
| Average earning assets | $500,646,000 | 1,586 |
| Average equity | $46,064,000 | 1,884 |
| Average total loans | $449,354,000 | 1,289 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 2,378 |
| Cost of funding earning assets | 0.8548% | 1,002 |
| Net interest margin | 3.2601% | 3,183 |
| Noninterest income to average assets | 0.1245% | 4,651 |
| Noninterest expense to average assets | 2.2454% | 3,554 |
| Loan and lease loss provision to assets | 0.5859% | 351 |
| Net operating income to assets | 0.3586% | 4,330 |
| Return on assets (ROA) | 0.3925% | 4,342 |
| Pretax return on assets | 0.4703% | 4,321 |
| Return on Equity (ROE) | 4.5363% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.5363% | 2,512 |
| Net charge-offs to loans | 0.2122% | 820 |
| Credit loss provision to net charge-offs | 320.7612% | 1,666 |
| Earnings coverage of net charge-offs (x) | 5.5582% | 2,854 |
| Efficiency ratio | 68.8615% | 2,115 |
| Assets per employee ($millions) | 8.8891% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,643 |
| Loan loss allowance to noncurrent loans | 276.1013% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 2,454 |
| Noncurrent loans to loans | 0.4546% | 2,607 |
| Net loans and leases to total assets | 83.2022% | 219 |
| Net loans and leases to deposits | 112.0066% | 142 |
| Net loans and leases to core deposits | 121.0658% | 295 |
| Total domestic deposits to total assets | 74.2833% | 4,622 |
| Equity capital to assets | 8.8182% | 4,203 |
| Core capital (leverage) ratio | 9.7039% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7260% | 1,333 |
| Memoranda: | ||
| Average total assets | $474,619,400 | 1,628 |
| Average earning assets | $456,578,600 | 1,575 |
| Average equity | $41,069,000 | 1,985 |
| Average total loans | $408,669,600 | 1,329 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 2,451 |
| Cost of funding earning assets | 0.9527% | 898 |
| Net interest margin | 3.2247% | 3,412 |
| Noninterest income to average assets | 0.1240% | 4,670 |
| Noninterest expense to average assets | 2.2260% | 3,618 |
| Loan and lease loss provision to assets | 0.6262% | 388 |
| Net operating income to assets | 0.3069% | 4,437 |
| Return on assets (ROA) | 0.3526% | 4,409 |
| Pretax return on assets | 0.4315% | 4,400 |
| Return on Equity (ROE) | 4.0963% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.0963% | 2,997 |
| Net charge-offs to loans | 0.1830% | 816 |
| Credit loss provision to net charge-offs | 395.1087% | 1,473 |
| Earnings coverage of net charge-offs (x) | 6.3225% | 2,658 |
| Efficiency ratio | 68.9585% | 2,047 |
| Assets per employee ($millions) | 9.1740% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,682 |
| Loan loss allowance to noncurrent loans | 240.8201% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 2,443 |
| Noncurrent loans to loans | 0.4970% | 2,570 |
| Net loans and leases to total assets | 86.1130% | 146 |
| Net loans and leases to deposits | 119.1935% | 120 |
| Net loans and leases to core deposits | 129.8328% | 255 |
| Total domestic deposits to total assets | 72.2464% | 4,680 |
| Equity capital to assets | 8.2435% | 4,610 |
| Core capital (leverage) ratio | 9.0726% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4875% | 1,663 |
| Memoranda: | ||
| Average total assets | $464,382,250 | 1,636 |
| Average earning assets | $446,990,500 | 1,587 |
| Average equity | $39,970,250 | 2,020 |
| Average total loans | $402,232,750 | 1,338 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 2,659 |
| Cost of funding earning assets | 1.0722% | 787 |
| Net interest margin | 3.1611% | 3,762 |
| Noninterest income to average assets | 0.1269% | 4,669 |
| Noninterest expense to average assets | 2.2390% | 3,686 |
| Loan and lease loss provision to assets | 0.7493% | 344 |
| Net operating income to assets | 0.1493% | 4,633 |
| Return on assets (ROA) | 0.2202% | 4,586 |
| Pretax return on assets | 0.2643% | 4,573 |
| Return on Equity (ROE) | 2.5201% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.5201% | 3,572 |
| Net charge-offs to loans | 0.0872% | 1,377 |
| Credit loss provision to net charge-offs | 994.7368% | 797 |
| Earnings coverage of net charge-offs (x) | 12.3216% | 2,063 |
| Efficiency ratio | 70.6954% | 1,862 |
| Assets per employee ($millions) | 10.0361% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,691 |
| Loan loss allowance to noncurrent loans | 287.3583% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 2,917 |
| Noncurrent loans to loans | 0.4059% | 2,950 |
| Net loans and leases to total assets | 83.9099% | 260 |
| Net loans and leases to deposits | 114.6834% | 148 |
| Net loans and leases to core deposits | 128.3656% | 281 |
| Total domestic deposits to total assets | 73.1666% | 4,643 |
| Equity capital to assets | 7.8395% | 4,792 |
| Core capital (leverage) ratio | 8.5884% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1240% | 1,756 |
| Memoranda: | ||
| Average total assets | $454,043,667 | 1,645 |
| Average earning assets | $436,688,333 | 1,591 |
| Average equity | $39,681,000 | 2,012 |
| Average total loans | $392,387,000 | 1,348 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 2,555 |
| Cost of funding earning assets | 1.2801% | 596 |
| Net interest margin | 3.1375% | 4,016 |
| Noninterest income to average assets | 0.1769% | 4,485 |
| Noninterest expense to average assets | 2.4716% | 3,354 |
| Loan and lease loss provision to assets | 0.8948% | 259 |
| Net operating income to assets | -0.1675% | 4,835 |
| Return on assets (ROA) | 0.0151% | 4,726 |
| Pretax return on assets | 0.0047% | 4,734 |
| Return on Equity (ROE) | 0.1622% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.1622% | 3,952 |
| Net charge-offs to loans | -0.0011% | 3,609 |
| Credit loss provision to net charge-offs | -95,100.0000% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5155% | 1,396 |
| Assets per employee ($millions) | 7.9515% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,655 |
| Loan loss allowance to noncurrent loans | 253.1567% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 2,802 |
| Noncurrent loans to loans | 0.4751% | 2,827 |
| Net loans and leases to total assets | 85.9194% | 144 |
| Net loans and leases to deposits | 107.7966% | 240 |
| Net loans and leases to core deposits | 122.7879% | 390 |
| Total domestic deposits to total assets | 79.7051% | 3,910 |
| Equity capital to assets | 9.2205% | 4,451 |
| Core capital (leverage) ratio | 9.2871% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,144,000 | 1,692 |
| Average earning assets | $408,100,000 | 1,641 |
| Average equity | $39,458,500 | 2,003 |
| Average total loans | $371,302,500 | 1,382 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 2,948 |
| Cost of funding earning assets | 1.5219% | 373 |
| Net interest margin | 2.9773% | 4,545 |
| Noninterest income to average assets | 0.2390% | 4,247 |
| Noninterest expense to average assets | 2.4065% | 3,675 |
| Loan and lease loss provision to assets | 0.0781% | 2,435 |
| Net operating income to assets | 0.4803% | 4,448 |
| Return on assets (ROA) | 0.4905% | 4,473 |
| Pretax return on assets | 0.6135% | 4,390 |
| Return on Equity (ROE) | 6.4149% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.9541% | 2,443 |
| Net charge-offs to loans | 0.0397% | 2,594 |
| Credit loss provision to net charge-offs | 225.6944% | 1,185 |
| Earnings coverage of net charge-offs (x) | 19.6250% | 1,985 |
| Efficiency ratio | 77.9975% | 1,153 |
| Assets per employee ($millions) | 7.7946% | 768 |
| Cash dividends to net income (ytd only)* | 22.7718% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,706 |
| Loan loss allowance to noncurrent loans | 208.1765% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,786 |
| Noncurrent loans to loans | 0.4605% | 2,796 |
| Net loans and leases to total assets | 86.8727% | 125 |
| Net loans and leases to deposits | 110.1225% | 185 |
| Net loans and leases to core deposits | 126.1110% | 342 |
| Total domestic deposits to total assets | 78.8874% | 4,208 |
| Equity capital to assets | 9.3431% | 4,465 |
| Core capital (leverage) ratio | 9.2572% | 4,316 |
| Tier 1 risk-based capital ratio | 13.6392% | 3,439 |
| Total risk-based capital ratio | 14.8807% | 3,357 |
| Memoranda: | ||
| Average total assets | $416,292,000 | 1,685 |
| Average earning assets | $397,982,200 | 1,640 |
| Average equity | $31,832,000 | 2,309 |
| Average total loans | $363,031,200 | 1,376 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 3,042 |
| Cost of funding earning assets | 1.5144% | 392 |
| Net interest margin | 2.9921% | 4,632 |
| Noninterest income to average assets | 0.2187% | 4,421 |
| Noninterest expense to average assets | 2.3837% | 3,731 |
| Loan and lease loss provision to assets | 0.0915% | 2,080 |
| Net operating income to assets | 0.4816% | 4,566 |
| Return on assets (ROA) | 0.4952% | 4,576 |
| Pretax return on assets | 0.6199% | 4,506 |
| Return on Equity (ROE) | 6.8627% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.3272% | 2,718 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4416% | 1,161 |
| Assets per employee ($millions) | 7.6695% | 784 |
| Cash dividends to net income (ytd only)* | 22.3736% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,653 |
| Loan loss allowance to noncurrent loans | 252.1107% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,151 |
| Noncurrent loans to loans | 0.3911% | 3,143 |
| Net loans and leases to total assets | 86.7209% | 152 |
| Net loans and leases to deposits | 111.4209% | 192 |
| Net loans and leases to core deposits | 126.9269% | 349 |
| Total domestic deposits to total assets | 77.8318% | 4,376 |
| Equity capital to assets | 7.2476% | 5,201 |
| Core capital (leverage) ratio | 7.4054% | 5,197 |
| Tier 1 risk-based capital ratio | 10.3762% | 5,114 |
| Total risk-based capital ratio | 11.6263% | 5,038 |
| Memoranda: | ||
| Average total assets | $415,137,750 | 1,699 |
| Average earning assets | $396,718,500 | 1,650 |
| Average equity | $29,958,500 | 2,412 |
| Average total loans | $361,490,500 | 1,389 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 3,095 |
| Cost of funding earning assets | 1.4856% | 394 |
| Net interest margin | 2.9869% | 4,717 |
| Noninterest income to average assets | 0.2184% | 4,437 |
| Noninterest expense to average assets | 2.3773% | 3,797 |
| Loan and lease loss provision to assets | 0.0872% | 2,105 |
| Net operating income to assets | 0.4895% | 4,546 |
| Return on assets (ROA) | 0.5100% | 4,542 |
| Pretax return on assets | 0.6389% | 4,473 |
| Return on Equity (ROE) | 7.0780% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.5656% | 2,489 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2427% | 1,242 |
| Assets per employee ($millions) | 7.7557% | 730 |
| Cash dividends to net income (ytd only)* | 21.3675% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 3,775 |
| Loan loss allowance to noncurrent loans | 125.5946% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 2,033 |
| Noncurrent loans to loans | 0.7738% | 2,051 |
| Net loans and leases to total assets | 86.0806% | 209 |
| Net loans and leases to deposits | 111.4714% | 188 |
| Net loans and leases to core deposits | 135.0214% | 243 |
| Total domestic deposits to total assets | 77.2221% | 4,536 |
| Equity capital to assets | 7.2114% | 5,254 |
| Core capital (leverage) ratio | 7.5015% | 5,231 |
| Tier 1 risk-based capital ratio | 10.2588% | 5,183 |
| Total risk-based capital ratio | 11.4804% | 5,115 |
| Memoranda: | ||
| Average total assets | $412,910,000 | 1,710 |
| Average earning assets | $395,263,670 | 1,652 |
| Average equity | $29,754,000 | 2,413 |
| Average total loans | $358,837,330 | 1,402 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 2,848 |
| Cost of funding earning assets | 1.4552% | 378 |
| Net interest margin | 3.0488% | 4,673 |
| Noninterest income to average assets | 0.1483% | 4,854 |
| Noninterest expense to average assets | 2.4002% | 3,771 |
| Loan and lease loss provision to assets | 0.0829% | 2,044 |
| Net operating income to assets | 0.4699% | 4,599 |
| Return on assets (ROA) | 0.5113% | 4,511 |
| Pretax return on assets | 0.6401% | 4,440 |
| Return on Equity (ROE) | 7.0979% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.6756% | 2,606 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1449% | 1,250 |
| Assets per employee ($millions) | 7.7235% | 743 |
| Cash dividends to net income (ytd only)* | 20.0382% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,935 |
| Loan loss allowance to noncurrent loans | 141.2803% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,319 |
| Noncurrent loans to loans | 0.6786% | 2,320 |
| Net loans and leases to total assets | 85.2753% | 254 |
| Net loans and leases to deposits | 111.4358% | 185 |
| Net loans and leases to core deposits | 134.5191% | 250 |
| Total domestic deposits to total assets | 76.5242% | 4,706 |
| Equity capital to assets | 7.1353% | 5,299 |
| Core capital (leverage) ratio | 7.3314% | 5,299 |
| Tier 1 risk-based capital ratio | 10.2875% | 5,225 |
| Total risk-based capital ratio | 11.4989% | 5,177 |
| Memoranda: | ||
| Average total assets | $409,960,000 | 1,736 |
| Average earning assets | $393,071,000 | 1,666 |
| Average equity | $29,530,000 | 2,434 |
| Average total loans | $356,230,000 | 1,418 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 2,462 |
| Cost of funding earning assets | 1.1212% | 462 |
| Net interest margin | 3.3783% | 4,057 |
| Noninterest income to average assets | 0.3482% | 3,782 |
| Noninterest expense to average assets | 2.5583% | 3,446 |
| Loan and lease loss provision to assets | 0.5458% | 205 |
| Net operating income to assets | 0.4043% | 4,855 |
| Return on assets (ROA) | 0.3880% | 4,877 |
| Pretax return on assets | 0.4676% | 4,845 |
| Return on Equity (ROE) | 4.7951% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.2165% | 3,232 |
| Net charge-offs to loans | 0.4937% | 360 |
| Credit loss provision to net charge-offs | 125.2518% | 2,094 |
| Earnings coverage of net charge-offs (x) | 2.3707% | 3,529 |
| Efficiency ratio | 71.2353% | 2,013 |
| Assets per employee ($millions) | 7.4602% | 811 |
| Cash dividends to net income (ytd only)* | 12.0664% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,959 |
| Loan loss allowance to noncurrent loans | 144.6167% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 2,315 |
| Noncurrent loans to loans | 0.6571% | 2,348 |
| Net loans and leases to total assets | 86.8813% | 181 |
| Net loans and leases to deposits | 116.9104% | 134 |
| Net loans and leases to core deposits | 134.2133% | 258 |
| Total domestic deposits to total assets | 74.3145% | 4,925 |
| Equity capital to assets | 7.2734% | 5,307 |
| Core capital (leverage) ratio | 7.5909% | 5,309 |
| Tier 1 risk-based capital ratio | 9.9908% | 5,307 |
| Total risk-based capital ratio | 11.1587% | 5,283 |
| Memoranda: | ||
| Average total assets | $341,710,400 | 1,945 |
| Average earning assets | $328,030,200 | 1,901 |
| Average equity | $27,653,400 | 2,474 |
| Average total loans | $301,577,000 | 1,593 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,632 |
| Cost of funding earning assets | 1.0728% | 445 |
| Net interest margin | 3.3248% | 4,212 |
| Noninterest income to average assets | 0.3480% | 3,812 |
| Noninterest expense to average assets | 2.5577% | 3,418 |
| Loan and lease loss provision to assets | 0.5473% | 197 |
| Net operating income to assets | 0.3516% | 5,028 |
| Return on assets (ROA) | 0.3480% | 5,026 |
| Pretax return on assets | 0.4297% | 5,002 |
| Return on Equity (ROE) | 4.1700% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.5827% | 3,975 |
| Net charge-offs to loans | 0.6878% | 209 |
| Credit loss provision to net charge-offs | 89.9933% | 2,423 |
| Earnings coverage of net charge-offs (x) | 1.6138% | 3,334 |
| Efficiency ratio | 72.2677% | 1,839 |
| Assets per employee ($millions) | 6.7768% | 1,028 |
| Cash dividends to net income (ytd only)* | 14.0849% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,339 |
| Loan loss allowance to noncurrent loans | 85.0240% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 1,624 |
| Noncurrent loans to loans | 1.0361% | 1,650 |
| Net loans and leases to total assets | 87.1059% | 180 |
| Net loans and leases to deposits | 108.8575% | 324 |
| Net loans and leases to core deposits | 122.8606% | 496 |
| Total domestic deposits to total assets | 80.0183% | 4,118 |
| Equity capital to assets | 7.5322% | 5,302 |
| Core capital (leverage) ratio | 7.8306% | 5,349 |
| Tier 1 risk-based capital ratio | 10.2367% | 5,316 |
| Total risk-based capital ratio | 11.3065% | 5,314 |
| Memoranda: | ||
| Average total assets | $326,424,750 | 2,022 |
| Average earning assets | $313,318,750 | 1,966 |
| Average equity | $27,241,500 | 2,508 |
| Average total loans | $288,630,750 | 1,647 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3424% | 2,615 |
| Cost of funding earning assets | 1.0380% | 389 |
| Net interest margin | 3.3044% | 4,235 |
| Noninterest income to average assets | 0.3792% | 3,626 |
| Noninterest expense to average assets | 2.5820% | 3,380 |
| Loan and lease loss provision to assets | 0.4022% | 304 |
| Net operating income to assets | 0.3633% | 5,031 |
| Return on assets (ROA) | 0.3633% | 5,028 |
| Pretax return on assets | 0.5657% | 4,792 |
| Return on Equity (ROE) | 4.1940% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.1940% | 3,512 |
| Net charge-offs to loans | 0.0367% | 2,117 |
| Credit loss provision to net charge-offs | 1,235.2941% | 339 |
| Earnings coverage of net charge-offs (x) | 29.7255% | 1,509 |
| Efficiency ratio | 72.7338% | 1,879 |
| Assets per employee ($millions) | 6.1725% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,728 |
| Loan loss allowance to noncurrent loans | 140.6954% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 2,003 |
| Noncurrent loans to loans | 0.8521% | 2,014 |
| Net loans and leases to total assets | 86.4418% | 231 |
| Net loans and leases to deposits | 108.8071% | 318 |
| Net loans and leases to core deposits | 123.4886% | 474 |
| Total domestic deposits to total assets | 79.4450% | 4,360 |
| Equity capital to assets | 8.0666% | 5,200 |
| Core capital (leverage) ratio | 8.2116% | 5,256 |
| Tier 1 risk-based capital ratio | 10.8419% | 5,134 |
| Total risk-based capital ratio | 12.0942% | 5,024 |
| Memoranda: | ||
| Average total assets | $313,250,000 | 2,106 |
| Average earning assets | $300,567,670 | 2,042 |
| Average equity | $27,134,000 | 2,525 |
| Average total loans | $277,642,330 | 1,705 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,429 |
| Cost of funding earning assets | 0.9182% | 544 |
| Net interest margin | 3.4088% | 3,855 |
| Noninterest income to average assets | 0.3932% | 3,519 |
| Noninterest expense to average assets | 2.5455% | 3,513 |
| Loan and lease loss provision to assets | 0.4065% | 275 |
| Net operating income to assets | 0.4705% | 4,765 |
| Return on assets (ROA) | 0.4705% | 4,766 |
| Pretax return on assets | 0.7117% | 4,410 |
| Return on Equity (ROE) | 5.2280% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2280% | 3,068 |
| Net charge-offs to loans | 0.0284% | 1,929 |
| Credit loss provision to net charge-offs | 1,605.2632% | 224 |
| Earnings coverage of net charge-offs (x) | 44.1579% | 1,009 |
| Efficiency ratio | 69.4798% | 2,581 |
| Assets per employee ($millions) | 6.2342% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,971 |
| Loan loss allowance to noncurrent loans | 120.1029% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 1,822 |
| Noncurrent loans to loans | 0.9750% | 1,869 |
| Net loans and leases to total assets | 88.4870% | 108 |
| Net loans and leases to deposits | 119.6874% | 116 |
| Net loans and leases to core deposits | 135.5484% | 264 |
| Total domestic deposits to total assets | 73.9318% | 5,162 |
| Equity capital to assets | 8.7161% | 4,811 |
| Core capital (leverage) ratio | 9.0453% | 4,631 |
| Tier 1 risk-based capital ratio | 11.3961% | 4,924 |
| Total risk-based capital ratio | 12.6480% | 4,823 |
| Memoranda: | ||
| Average total assets | $300,132,500 | 2,194 |
| Average earning assets | $287,960,000 | 2,132 |
| Average equity | $27,008,500 | 2,552 |
| Average total loans | $267,954,500 | 1,753 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,267 |
| Cost of funding earning assets | 0.7233% | 916 |
| Net interest margin | 3.5948% | 3,189 |
| Noninterest income to average assets | 1.1037% | 839 |
| Noninterest expense to average assets | 2.7618% | 2,916 |
| Loan and lease loss provision to assets | 0.7583% | 158 |
| Net operating income to assets | 0.5219% | 4,319 |
| Return on assets (ROA) | 0.5346% | 4,312 |
| Pretax return on assets | 1.0264% | 3,470 |
| Return on Equity (ROE) | 5.8998% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.8998% | 1,590 |
| Net charge-offs to loans | 0.6843% | 318 |
| Credit loss provision to net charge-offs | 125.0315% | 2,090 |
| Earnings coverage of net charge-offs (x) | 2.9098% | 3,676 |
| Efficiency ratio | 61.0121% | 4,113 |
| Assets per employee ($millions) | 7.0380% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 2,774 |
| Loan loss allowance to noncurrent loans | 112.6462% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,636 |
| Noncurrent loans to loans | 1.0653% | 1,672 |
| Net loans and leases to total assets | 87.9334% | 141 |
| Net loans and leases to deposits | 116.0997% | 149 |
| Net loans and leases to core deposits | 124.7496% | 465 |
| Total domestic deposits to total assets | 75.7395% | 5,008 |
| Equity capital to assets | 9.3043% | 4,423 |
| Core capital (leverage) ratio | 9.4498% | 4,102 |
| Tier 1 risk-based capital ratio | 11.8962% | 4,594 |
| Total risk-based capital ratio | 13.1481% | 4,474 |
| Memoranda: | ||
| Average total assets | $261,494,000 | 2,403 |
| Average earning assets | $248,997,200 | 2,355 |
| Average equity | $23,695,600 | 2,788 |
| Average total loans | $231,771,200 | 1,926 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,168 |
| Cost of funding earning assets | 0.7025% | 952 |
| Net interest margin | 3.6293% | 3,043 |
| Noninterest income to average assets | 1.3101% | 620 |
| Noninterest expense to average assets | 2.8731% | 2,498 |
| Loan and lease loss provision to assets | 0.7815% | 138 |
| Net operating income to assets | 0.7151% | 3,900 |
| Return on assets (ROA) | 0.7328% | 3,882 |
| Pretax return on assets | 1.1332% | 3,172 |
| Return on Equity (ROE) | 8.1485% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.1485% | 1,165 |
| Net charge-offs to loans | 0.4310% | 489 |
| Credit loss provision to net charge-offs | 204.8011% | 1,324 |
| Earnings coverage of net charge-offs (x) | 4.9465% | 3,166 |
| Efficiency ratio | 60.3518% | 4,152 |
| Assets per employee ($millions) | 6.4133% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,777 |
| Loan loss allowance to noncurrent loans | 91.4612% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4902% | 1,022 |
| Noncurrent loans to loans | 1.5631% | 1,191 |
| Net loans and leases to total assets | 88.2845% | 140 |
| Net loans and leases to deposits | 113.9542% | 184 |
| Net loans and leases to core deposits | 122.2908% | 508 |
| Total domestic deposits to total assets | 77.4736% | 4,810 |
| Equity capital to assets | 9.0010% | 4,911 |
| Core capital (leverage) ratio | 9.0464% | 4,692 |
| Tier 1 risk-based capital ratio | 11.2358% | 5,115 |
| Total risk-based capital ratio | 12.4908% | 5,012 |
| Memoranda: | ||
| Average total assets | $254,728,500 | 2,474 |
| Average earning assets | $242,171,500 | 2,424 |
| Average equity | $22,907,500 | 2,892 |
| Average total loans | $225,509,250 | 1,969 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3590% | 1,945 |
| Cost of funding earning assets | 0.6577% | 1,103 |
| Net interest margin | 3.7012% | 2,658 |
| Noninterest income to average assets | 1.8411% | 361 |
| Noninterest expense to average assets | 3.0210% | 2,061 |
| Loan and lease loss provision to assets | 1.0566% | 91 |
| Net operating income to assets | 0.8163% | 3,322 |
| Return on assets (ROA) | 0.8429% | 3,233 |
| Pretax return on assets | 1.3232% | 2,294 |
| Return on Equity (ROE) | 9.3760% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.3760% | 736 |
| Net charge-offs to loans | 0.6084% | 328 |
| Credit loss provision to net charge-offs | 197.0149% | 1,288 |
| Earnings coverage of net charge-offs (x) | 4.3597% | 2,941 |
| Efficiency ratio | 56.3704% | 4,784 |
| Assets per employee ($millions) | 6.1632% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,721 |
| Loan loss allowance to noncurrent loans | 113.1659% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 1,378 |
| Noncurrent loans to loans | 1.2908% | 1,489 |
| Net loans and leases to total assets | 86.9088% | 214 |
| Net loans and leases to deposits | 107.7562% | 329 |
| Net loans and leases to core deposits | 115.6143% | 732 |
| Total domestic deposits to total assets | 80.6532% | 4,269 |
| Equity capital to assets | 9.2253% | 4,701 |
| Core capital (leverage) ratio | 8.9655% | 4,762 |
| Tier 1 risk-based capital ratio | 11.5022% | 4,954 |
| Total risk-based capital ratio | 12.7575% | 4,848 |
| Memoranda: | ||
| Average total assets | $249,851,330 | 2,519 |
| Average earning assets | $237,487,670 | 2,471 |
| Average equity | $22,461,670 | 2,931 |
| Average total loans | $220,261,670 | 2,007 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,150 |
| Cost of funding earning assets | 0.6100% | 1,299 |
| Net interest margin | 3.6242% | 2,804 |
| Noninterest income to average assets | 0.4125% | 3,576 |
| Noninterest expense to average assets | 3.0096% | 2,142 |
| Loan and lease loss provision to assets | 0.3179% | 396 |
| Net operating income to assets | 0.2963% | 5,205 |
| Return on assets (ROA) | 0.3505% | 5,095 |
| Pretax return on assets | 0.6179% | 4,688 |
| Return on Equity (ROE) | 3.9536% | 4,799 |
| Retained earnings to average equity (ytd only) | 3.9536% | 3,471 |
| Net charge-offs to loans | -0.0018% | 4,006 |
| Credit loss provision to net charge-offs | -19,500.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9561% | 1,632 |
| Assets per employee ($millions) | 5.4024% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,602 |
| Loan loss allowance to noncurrent loans | 136.7996% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 1,965 |
| Noncurrent loans to loans | 0.9409% | 2,162 |
| Net loans and leases to total assets | 87.0200% | 158 |
| Net loans and leases to deposits | 102.2315% | 487 |
| Net loans and leases to core deposits | 108.9248% | 926 |
| Total domestic deposits to total assets | 85.1205% | 3,037 |
| Equity capital to assets | 8.6077% | 5,146 |
| Core capital (leverage) ratio | 8.5898% | 5,160 |
| Tier 1 risk-based capital ratio | 10.4447% | 5,565 |
| Total risk-based capital ratio | 11.6973% | 5,488 |
| Memoranda: | ||
| Average total assets | $245,350,000 | 2,576 |
| Average earning assets | $233,428,500 | 2,524 |
| Average equity | $21,752,500 | 3,005 |
| Average total loans | $216,241,500 | 2,050 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 2,573 |
| Cost of funding earning assets | 0.6228% | 1,184 |
| Net interest margin | 3.5496% | 3,251 |
| Noninterest income to average assets | 0.5659% | 2,835 |
| Noninterest expense to average assets | 3.1276% | 1,960 |
| Loan and lease loss provision to assets | 0.2569% | 809 |
| Net operating income to assets | 0.3607% | 5,056 |
| Return on assets (ROA) | 0.4063% | 5,003 |
| Pretax return on assets | 0.6161% | 4,739 |
| Return on Equity (ROE) | 4.6181% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.6181% | 2,621 |
| Net charge-offs to loans | 0.0499% | 3,047 |
| Credit loss provision to net charge-offs | 609.5745% | 561 |
| Earnings coverage of net charge-offs (x) | 19.0745% | 1,930 |
| Efficiency ratio | 79.5506% | 1,475 |
| Assets per employee ($millions) | 5.0380% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,614 |
| Loan loss allowance to noncurrent loans | 127.4929% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 1,887 |
| Noncurrent loans to loans | 1.0094% | 2,072 |
| Net loans and leases to total assets | 86.9820% | 183 |
| Net loans and leases to deposits | 99.2411% | 723 |
| Net loans and leases to core deposits | 105.9443% | 1,135 |
| Total domestic deposits to total assets | 87.6471% | 1,814 |
| Equity capital to assets | 9.1428% | 4,656 |
| Core capital (leverage) ratio | 8.4096% | 5,359 |
| Tier 1 risk-based capital ratio | 11.0410% | 5,327 |
| Total risk-based capital ratio | 12.2937% | 5,209 |
| Memoranda: | ||
| Average total assets | $223,014,600 | 2,733 |
| Average earning assets | $211,462,600 | 2,686 |
| Average equity | $19,618,400 | 3,204 |
| Average total loans | $188,474,800 | 2,221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,821 |
| Cost of funding earning assets | 0.6116% | 1,257 |
| Net interest margin | 3.5030% | 3,455 |
| Noninterest income to average assets | 0.4657% | 3,456 |
| Noninterest expense to average assets | 3.1108% | 2,003 |
| Loan and lease loss provision to assets | 0.2356% | 826 |
| Net operating income to assets | 0.2304% | 5,418 |
| Return on assets (ROA) | 0.2903% | 5,391 |
| Pretax return on assets | 0.5307% | 5,061 |
| Return on Equity (ROE) | 3.3349% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.3349% | 3,901 |
| Net charge-offs to loans | 0.0705% | 2,306 |
| Credit loss provision to net charge-offs | 400.0000% | 840 |
| Earnings coverage of net charge-offs (x) | 11.4227% | 2,484 |
| Efficiency ratio | 82.2179% | 1,166 |
| Assets per employee ($millions) | 5.2542% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 3,083 |
| Loan loss allowance to noncurrent loans | 118.5660% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 2,135 |
| Noncurrent loans to loans | 1.0351% | 2,172 |
| Net loans and leases to total assets | 81.3783% | 705 |
| Net loans and leases to deposits | 92.7224% | 1,408 |
| Net loans and leases to core deposits | 98.3069% | 1,782 |
| Total domestic deposits to total assets | 87.7654% | 1,519 |
| Equity capital to assets | 8.6034% | 5,470 |
| Core capital (leverage) ratio | 8.5926% | 5,273 |
| Tier 1 risk-based capital ratio | 10.9583% | 5,390 |
| Total risk-based capital ratio | 12.2102% | 5,303 |
| Memoranda: | ||
| Average total assets | $219,571,500 | 2,773 |
| Average earning assets | $207,969,250 | 2,727 |
| Average equity | $19,110,750 | 3,277 |
| Average total loans | $183,431,750 | 2,282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 2,594 |
| Cost of funding earning assets | 0.6087% | 1,258 |
| Net interest margin | 3.5636% | 3,239 |
| Noninterest income to average assets | 0.4942% | 3,235 |
| Noninterest expense to average assets | 3.2160% | 1,774 |
| Loan and lease loss provision to assets | 0.2737% | 680 |
| Net operating income to assets | 0.1705% | 5,579 |
| Return on assets (ROA) | 0.2642% | 5,477 |
| Pretax return on assets | 0.5170% | 5,101 |
| Return on Equity (ROE) | 3.0219% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.0219% | 3,991 |
| Net charge-offs to loans | 0.0577% | 2,360 |
| Credit loss provision to net charge-offs | 564.7059% | 598 |
| Earnings coverage of net charge-offs (x) | 13.2941% | 2,138 |
| Efficiency ratio | 83.3087% | 1,113 |
| Assets per employee ($millions) | 5.1515% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,717 |
| Loan loss allowance to noncurrent loans | 83.1235% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 1,559 |
| Noncurrent loans to loans | 1.5794% | 1,359 |
| Net loans and leases to total assets | 81.0158% | 748 |
| Net loans and leases to deposits | 98.0705% | 886 |
| Net loans and leases to core deposits | 104.4021% | 1,281 |
| Total domestic deposits to total assets | 82.6097% | 3,791 |
| Equity capital to assets | 8.7715% | 5,427 |
| Core capital (leverage) ratio | 8.6979% | 5,173 |
| Tier 1 risk-based capital ratio | 10.8162% | 5,518 |
| Total risk-based capital ratio | 12.0687% | 5,438 |
| Memoranda: | ||
| Average total assets | $210,446,000 | 2,883 |
| Average earning assets | $198,788,330 | 2,828 |
| Average equity | $18,399,000 | 3,383 |
| Average total loans | $176,756,000 | 2,343 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 2,246 |
| Cost of funding earning assets | 0.6117% | 1,258 |
| Net interest margin | 3.6557% | 2,869 |
| Noninterest income to average assets | 0.4804% | 3,257 |
| Noninterest expense to average assets | 3.3192% | 1,556 |
| Loan and lease loss provision to assets | 0.2728% | 616 |
| Net operating income to assets | 0.1306% | 5,638 |
| Return on assets (ROA) | 0.2293% | 5,539 |
| Pretax return on assets | 0.4923% | 5,103 |
| Return on Equity (ROE) | 2.6278% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.6278% | 4,194 |
| Net charge-offs to loans | -0.0093% | 4,494 |
| Credit loss provision to net charge-offs | -3,450.0000% | 4,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4567% | 1,119 |
| Assets per employee ($millions) | 4.9675% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,751 |
| Loan loss allowance to noncurrent loans | 66.7235% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6867% | 1,155 |
| Noncurrent loans to loans | 1.9963% | 1,078 |
| Net loans and leases to total assets | 83.3648% | 423 |
| Net loans and leases to deposits | 100.8021% | 579 |
| Net loans and leases to core deposits | 107.6886% | 982 |
| Total domestic deposits to total assets | 82.7015% | 4,004 |
| Equity capital to assets | 8.4822% | 5,578 |
| Core capital (leverage) ratio | 8.0988% | 5,720 |
| Tier 1 risk-based capital ratio | 10.0143% | 5,911 |
| Total risk-based capital ratio | 11.2672% | 5,857 |
| Memoranda: | ||
| Average total assets | $202,335,500 | 2,963 |
| Average earning assets | $190,937,000 | 2,920 |
| Average equity | $17,657,500 | 3,482 |
| Average total loans | $172,094,500 | 2,386 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,220 |
| Cost of funding earning assets | 0.6145% | 1,286 |
| Net interest margin | 3.6890% | 2,788 |
| Noninterest income to average assets | 0.6680% | 2,358 |
| Noninterest expense to average assets | 3.9222% | 739 |
| Loan and lease loss provision to assets | 0.0369% | 3,610 |
| Net operating income to assets | 0.0917% | 5,767 |
| Return on assets (ROA) | 0.0917% | 5,809 |
| Pretax return on assets | 0.1682% | 5,729 |
| Return on Equity (ROE) | 0.9857% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.9857% | 5,123 |
| Net charge-offs to loans | -0.0202% | 5,271 |
| Credit loss provision to net charge-offs | -225.8065% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0307% | 438 |
| Assets per employee ($millions) | 4.5608% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,817 |
| Loan loss allowance to noncurrent loans | 73.2404% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 1,303 |
| Noncurrent loans to loans | 1.7938% | 1,225 |
| Net loans and leases to total assets | 84.4939% | 346 |
| Net loans and leases to deposits | 104.1351% | 429 |
| Net loans and leases to core deposits | 108.6732% | 934 |
| Total domestic deposits to total assets | 81.1387% | 4,442 |
| Equity capital to assets | 8.9784% | 5,146 |
| Core capital (leverage) ratio | 8.2087% | 5,691 |
| Tier 1 risk-based capital ratio | 10.3764% | 5,829 |
| Total risk-based capital ratio | 11.6290% | 5,751 |
| Memoranda: | ||
| Average total assets | $189,662,400 | 3,059 |
| Average earning assets | $177,855,000 | 3,017 |
| Average equity | $17,652,800 | 3,434 |
| Average total loans | $153,192,400 | 2,552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,215 |
| Cost of funding earning assets | 0.6163% | 1,304 |
| Net interest margin | 3.6872% | 2,820 |
| Noninterest income to average assets | 0.7140% | 2,170 |
| Noninterest expense to average assets | 3.6429% | 1,052 |
| Loan and lease loss provision to assets | 0.0496% | 3,219 |
| Net operating income to assets | 0.2879% | 5,490 |
| Return on assets (ROA) | 0.2879% | 5,566 |
| Pretax return on assets | 0.4743% | 5,282 |
| Return on Equity (ROE) | 3.0645% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.0645% | 4,265 |
| Net charge-offs to loans | -0.0259% | 5,289 |
| Credit loss provision to net charge-offs | -241.3793% | 5,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4256% | 900 |
| Assets per employee ($millions) | 4.2621% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 2,476 |
| Loan loss allowance to noncurrent loans | 82.3002% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 1,494 |
| Noncurrent loans to loans | 1.7319% | 1,391 |
| Net loans and leases to total assets | 81.2780% | 670 |
| Net loans and leases to deposits | 94.4620% | 1,143 |
| Net loans and leases to core deposits | 98.9252% | 1,613 |
| Total domestic deposits to total assets | 86.0430% | 2,501 |
| Equity capital to assets | 9.5231% | 4,725 |
| Core capital (leverage) ratio | 8.4390% | 5,597 |
| Tier 1 risk-based capital ratio | 10.7791% | 5,764 |
| Total risk-based capital ratio | 12.0322% | 5,695 |
| Memoranda: | ||
| Average total assets | $188,049,000 | 3,098 |
| Average earning assets | $176,099,500 | 3,065 |
| Average equity | $17,664,000 | 3,452 |
| Average total loans | $149,512,500 | 2,616 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,176 |
| Cost of funding earning assets | 0.6040% | 1,383 |
| Net interest margin | 3.6934% | 2,735 |
| Noninterest income to average assets | 0.5993% | 2,746 |
| Noninterest expense to average assets | 3.5596% | 1,199 |
| Loan and lease loss provision to assets | 0.0213% | 3,706 |
| Net operating income to assets | 0.2933% | 5,454 |
| Return on assets (ROA) | 0.2933% | 5,554 |
| Pretax return on assets | 0.4750% | 5,287 |
| Return on Equity (ROE) | 3.1365% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.1365% | 4,055 |
| Net charge-offs to loans | -0.0392% | 5,445 |
| Credit loss provision to net charge-offs | -68.9655% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7653% | 923 |
| Assets per employee ($millions) | 4.5305% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,647 |
| Loan loss allowance to noncurrent loans | 79.3662% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 1.4696% | 1,689 |
| Noncurrent loans to loans | 1.7935% | 1,429 |
| Net loans and leases to total assets | 76.5706% | 1,293 |
| Net loans and leases to deposits | 88.9435% | 1,727 |
| Net loans and leases to core deposits | 93.5076% | 2,008 |
| Total domestic deposits to total assets | 86.0891% | 2,652 |
| Equity capital to assets | 9.0986% | 5,150 |
| Core capital (leverage) ratio | 8.5004% | 5,531 |
| Tier 1 risk-based capital ratio | 10.9151% | 5,755 |
| Total risk-based capital ratio | 12.1680% | 5,668 |
| Memoranda: | ||
| Average total assets | $188,221,000 | 3,124 |
| Average earning assets | $176,154,000 | 3,083 |
| Average equity | $17,599,000 | 3,479 |
| Average total loans | $147,807,670 | 2,652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,665 |
| Cost of funding earning assets | 0.6008% | 1,432 |
| Net interest margin | 3.8266% | 2,143 |
| Noninterest income to average assets | 0.5472% | 2,968 |
| Noninterest expense to average assets | 3.6079% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3115% | 5,370 |
| Return on assets (ROA) | 0.3115% | 5,474 |
| Pretax return on assets | 0.5213% | 5,120 |
| Return on Equity (ROE) | 3.2847% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.2847% | 4,015 |
| Net charge-offs to loans | -0.1041% | 5,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3756% | 1,070 |
| Assets per employee ($millions) | 4.2338% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 2,829 |
| Loan loss allowance to noncurrent loans | 139.4275% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 2,781 |
| Noncurrent loans to loans | 1.0185% | 2,724 |
| Net loans and leases to total assets | 81.7146% | 490 |
| Net loans and leases to deposits | 100.5115% | 536 |
| Net loans and leases to core deposits | 105.9837% | 937 |
| Total domestic deposits to total assets | 81.2987% | 4,735 |
| Equity capital to assets | 9.6720% | 4,545 |
| Core capital (leverage) ratio | 8.6262% | 5,398 |
| Tier 1 risk-based capital ratio | 11.2248% | 5,700 |
| Total risk-based capital ratio | 12.4782% | 5,611 |
| Memoranda: | ||
| Average total assets | $184,926,000 | 3,179 |
| Average earning assets | $173,103,500 | 3,135 |
| Average equity | $17,536,000 | 3,515 |
| Average total loans | $146,050,500 | 2,675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,618 |
| Cost of funding earning assets | 0.6471% | 1,426 |
| Net interest margin | 3.9295% | 2,121 |
| Noninterest income to average assets | 0.7641% | 2,019 |
| Noninterest expense to average assets | 3.7963% | 991 |
| Loan and lease loss provision to assets | 0.2090% | 1,197 |
| Net operating income to assets | 0.4438% | 5,048 |
| Return on assets (ROA) | 0.4438% | 5,135 |
| Pretax return on assets | 0.4838% | 5,290 |
| Return on Equity (ROE) | 4.9104% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.9104% | 2,672 |
| Net charge-offs to loans | 0.4474% | 942 |
| Credit loss provision to net charge-offs | 58.0205% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.9232% | 4,304 |
| Efficiency ratio | 84.5680% | 1,334 |
| Assets per employee ($millions) | 4.3146% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 2,525 |
| Loan loss allowance to noncurrent loans | 136.8661% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 2,940 |
| Noncurrent loans to loans | 1.0893% | 2,646 |
| Net loans and leases to total assets | 74.9706% | 1,424 |
| Net loans and leases to deposits | 92.3376% | 1,253 |
| Net loans and leases to core deposits | 101.1468% | 1,309 |
| Total domestic deposits to total assets | 81.1919% | 4,682 |
| Equity capital to assets | 8.1584% | 5,982 |
| Core capital (leverage) ratio | 8.4793% | 5,575 |
| Tier 1 risk-based capital ratio | 10.9469% | 5,924 |
| Total risk-based capital ratio | 12.2009% | 5,856 |
| Memoranda: | ||
| Average total assets | $162,685,000 | 3,455 |
| Average earning assets | $154,218,000 | 3,378 |
| Average equity | $14,703,400 | 3,896 |
| Average total loans | $130,966,200 | 2,853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 1,293 |
| Cost of funding earning assets | 0.6682% | 1,332 |
| Net interest margin | 4.0362% | 1,766 |
| Noninterest income to average assets | 0.5079% | 3,493 |
| Noninterest expense to average assets | 3.7806% | 998 |
| Loan and lease loss provision to assets | 0.0807% | 2,735 |
| Net operating income to assets | 0.4145% | 5,194 |
| Return on assets (ROA) | 0.4145% | 5,268 |
| Pretax return on assets | 0.4689% | 5,410 |
| Return on Equity (ROE) | 4.4580% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.4580% | 3,479 |
| Net charge-offs to loans | 0.4226% | 944 |
| Credit loss provision to net charge-offs | 23.3415% | 3,544 |
| Earnings coverage of net charge-offs (x) | 1.5897% | 4,118 |
| Efficiency ratio | 87.3087% | 1,069 |
| Assets per employee ($millions) | 3.7367% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 2,709 |
| Loan loss allowance to noncurrent loans | 166.8576% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 3,194 |
| Noncurrent loans to loans | 0.8989% | 3,317 |
| Net loans and leases to total assets | 81.4414% | 566 |
| Net loans and leases to deposits | 100.0732% | 609 |
| Net loans and leases to core deposits | 105.5427% | 981 |
| Total domestic deposits to total assets | 81.3818% | 4,704 |
| Equity capital to assets | 9.0193% | 5,334 |
| Core capital (leverage) ratio | 8.6986% | 5,443 |
| Tier 1 risk-based capital ratio | 10.8416% | 6,069 |
| Total risk-based capital ratio | 12.0958% | 6,018 |
| Memoranda: | ||
| Average total assets | $156,974,750 | 3,564 |
| Average earning assets | $148,650,500 | 3,495 |
| Average equity | $14,595,250 | 3,926 |
| Average total loans | $128,409,000 | 2,902 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 1,123 |
| Cost of funding earning assets | 0.6750% | 1,343 |
| Net interest margin | 4.0994% | 1,512 |
| Noninterest income to average assets | 0.5100% | 3,402 |
| Noninterest expense to average assets | 3.8034% | 969 |
| Loan and lease loss provision to assets | 0.0971% | 2,408 |
| Net operating income to assets | 0.4337% | 5,082 |
| Return on assets (ROA) | 0.4337% | 5,167 |
| Pretax return on assets | 0.4932% | 5,294 |
| Return on Equity (ROE) | 4.6152% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.6152% | 3,220 |
| Net charge-offs to loans | 0.0635% | 3,079 |
| Credit loss provision to net charge-offs | 187.5000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 2,161 |
| Efficiency ratio | 86.5645% | 1,216 |
| Assets per employee ($millions) | 4.0307% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8296% | 1,763 |
| Loan loss allowance to noncurrent loans | 149.4987% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 2,782 |
| Noncurrent loans to loans | 1.2238% | 2,785 |
| Net loans and leases to total assets | 79.4044% | 755 |
| Net loans and leases to deposits | 95.0240% | 877 |
| Net loans and leases to core deposits | 100.7452% | 1,225 |
| Total domestic deposits to total assets | 83.5625% | 4,085 |
| Equity capital to assets | 9.1181% | 5,187 |
| Core capital (leverage) ratio | 8.8568% | 5,222 |
| Tier 1 risk-based capital ratio | 11.2020% | 5,955 |
| Total risk-based capital ratio | 12.4606% | 5,891 |
| Memoranda: | ||
| Average total assets | $154,495,000 | 3,613 |
| Average earning assets | $146,362,330 | 3,556 |
| Average equity | $14,517,330 | 3,940 |
| Average total loans | $125,898,670 | 2,947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 1,139 |
| Cost of funding earning assets | 0.6705% | 1,439 |
| Net interest margin | 4.0845% | 1,509 |
| Noninterest income to average assets | 0.5664% | 2,940 |
| Noninterest expense to average assets | 3.8113% | 964 |
| Loan and lease loss provision to assets | 0.1323% | 1,833 |
| Net operating income to assets | 0.4261% | 5,020 |
| Return on assets (ROA) | 0.4261% | 5,084 |
| Pretax return on assets | 0.4923% | 5,194 |
| Return on Equity (ROE) | 4.4643% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.4643% | 3,443 |
| Net charge-offs to loans | 0.0550% | 2,609 |
| Credit loss provision to net charge-offs | 294.1176% | 810 |
| Earnings coverage of net charge-offs (x) | 13.8824% | 1,643 |
| Efficiency ratio | 85.9189% | 1,464 |
| Assets per employee ($millions) | 3.9276% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 1,766 |
| Loan loss allowance to noncurrent loans | 106.0498% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6340% | 2,161 |
| Noncurrent loans to loans | 1.7884% | 2,156 |
| Net loans and leases to total assets | 80.5063% | 495 |
| Net loans and leases to deposits | 97.0404% | 596 |
| Net loans and leases to core deposits | 103.0811% | 917 |
| Total domestic deposits to total assets | 82.9617% | 4,616 |
| Equity capital to assets | 9.4707% | 4,536 |
| Core capital (leverage) ratio | 9.1544% | 4,783 |
| Tier 1 risk-based capital ratio | 11.4284% | 5,949 |
| Total risk-based capital ratio | 12.6872% | 5,898 |
| Memoranda: | ||
| Average total assets | $151,128,000 | 3,689 |
| Average earning assets | $143,174,000 | 3,633 |
| Average equity | $14,425,500 | 3,967 |
| Average total loans | $123,643,500 | 2,997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,160 |
| Cost of funding earning assets | 0.7257% | 1,646 |
| Net interest margin | 3.7869% | 2,700 |
| Noninterest income to average assets | 0.7286% | 2,388 |
| Noninterest expense to average assets | 3.8339% | 1,088 |
| Loan and lease loss provision to assets | 0.6672% | 353 |
| Net operating income to assets | -0.2449% | 6,389 |
| Return on assets (ROA) | -0.2342% | 6,396 |
| Pretax return on assets | -0.1615% | 6,330 |
| Return on Equity (ROE) | -2.5618% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.5618% | 6,226 |
| Net charge-offs to loans | 0.3994% | 1,693 |
| Credit loss provision to net charge-offs | 206.6116% | 1,112 |
| Earnings coverage of net charge-offs (x) | 1.5331% | 4,547 |
| Efficiency ratio | 88.5635% | 1,160 |
| Assets per employee ($millions) | 3.9231% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9336% | 1,701 |
| Loan loss allowance to noncurrent loans | 104.3035% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.6830% | 2,190 |
| Noncurrent loans to loans | 1.8538% | 2,166 |
| Net loans and leases to total assets | 79.9809% | 600 |
| Net loans and leases to deposits | 92.2778% | 1,023 |
| Net loans and leases to core deposits | 97.0977% | 1,377 |
| Total domestic deposits to total assets | 86.6741% | 2,888 |
| Equity capital to assets | 9.6218% | 4,258 |
| Core capital (leverage) ratio | 8.9602% | 5,062 |
| Tier 1 risk-based capital ratio | 11.8232% | 5,723 |
| Total risk-based capital ratio | 13.0828% | 5,652 |
| Memoranda: | ||
| Average total assets | $149,873,800 | 3,708 |
| Average earning assets | $142,492,800 | 3,625 |
| Average equity | $13,701,200 | 4,125 |
| Average total loans | $121,169,800 | 3,013 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 2,379 |
| Cost of funding earning assets | 0.7362% | 1,694 |
| Net interest margin | 3.7256% | 2,936 |
| Noninterest income to average assets | 0.7925% | 2,184 |
| Noninterest expense to average assets | 3.8558% | 1,018 |
| Loan and lease loss provision to assets | 0.8618% | 208 |
| Net operating income to assets | -0.4780% | 6,588 |
| Return on assets (ROA) | -0.4780% | 6,604 |
| Pretax return on assets | -0.3820% | 6,553 |
| Return on Equity (ROE) | -5.2976% | 6,607 |
| Retained earnings to average equity (ytd only) | -5.2976% | 6,507 |
| Net charge-offs to loans | 0.3205% | 1,937 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 1.8557% | 4,209 |
| Efficiency ratio | 88.9344% | 1,085 |
| Assets per employee ($millions) | 4.2561% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 1,480 |
| Loan loss allowance to noncurrent loans | 73.1239% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2834% | 1,730 |
| Noncurrent loans to loans | 2.8838% | 1,421 |
| Net loans and leases to total assets | 72.1584% | 1,578 |
| Net loans and leases to deposits | 80.7299% | 2,299 |
| Net loans and leases to core deposits | 84.0317% | 2,652 |
| Total domestic deposits to total assets | 89.3825% | 1,369 |
| Equity capital to assets | 8.4547% | 5,784 |
| Core capital (leverage) ratio | 8.1942% | 6,069 |
| Tier 1 risk-based capital ratio | 11.4957% | 6,061 |
| Total risk-based capital ratio | 12.7581% | 6,018 |
| Memoranda: | ||
| Average total assets | $150,072,750 | 3,741 |
| Average earning assets | $142,719,500 | 3,658 |
| Average equity | $13,540,500 | 4,202 |
| Average total loans | $121,066,000 | 3,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 2,107 |
| Cost of funding earning assets | 0.7697% | 1,587 |
| Net interest margin | 3.7534% | 2,750 |
| Noninterest income to average assets | 0.9645% | 1,618 |
| Noninterest expense to average assets | 4.0510% | 818 |
| Loan and lease loss provision to assets | 1.3271% | 112 |
| Net operating income to assets | -0.9098% | 6,730 |
| Return on assets (ROA) | -0.9098% | 6,737 |
| Pretax return on assets | -0.8441% | 6,713 |
| Return on Equity (ROE) | -9.8548% | 6,741 |
| Retained earnings to average equity (ytd only) | -9.8548% | 6,663 |
| Net charge-offs to loans | 0.3222% | 1,893 |
| Credit loss provision to net charge-offs | 494.8980% | 563 |
| Earnings coverage of net charge-offs (x) | 1.8010% | 3,929 |
| Efficiency ratio | 89.3482% | 1,096 |
| Assets per employee ($millions) | 3.6991% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,314 |
| Loan loss allowance to noncurrent loans | 65.2413% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 3.2092% | 1,235 |
| Noncurrent loans to loans | 3.4699% | 1,230 |
| Net loans and leases to total assets | 80.1318% | 524 |
| Net loans and leases to deposits | 88.8137% | 1,253 |
| Net loans and leases to core deposits | 93.3121% | 1,588 |
| Total domestic deposits to total assets | 90.2245% | 897 |
| Equity capital to assets | 9.4212% | 4,687 |
| Core capital (leverage) ratio | 8.7018% | 5,417 |
| Tier 1 risk-based capital ratio | 11.5280% | 6,094 |
| Total risk-based capital ratio | 12.7921% | 6,048 |
| Memoranda: | ||
| Average total assets | $146,186,000 | 3,836 |
| Average earning assets | $139,022,330 | 3,737 |
| Average equity | $13,496,000 | 4,238 |
| Average total loans | $121,682,000 | 3,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,953 |
| Cost of funding earning assets | 0.8134% | 1,455 |
| Net interest margin | 3.7452% | 2,677 |
| Noninterest income to average assets | 0.9987% | 1,464 |
| Noninterest expense to average assets | 4.0457% | 839 |
| Loan and lease loss provision to assets | 2.6041% | 39 |
| Net operating income to assets | -2.1128% | 6,933 |
| Return on assets (ROA) | -2.1128% | 6,933 |
| Pretax return on assets | -2.0913% | 6,922 |
| Return on Equity (ROE) | -23.1088% | 6,911 |
| Retained earnings to average equity (ytd only) | -23.1088% | 6,861 |
| Net charge-offs to loans | -0.0032% | 5,203 |
| Credit loss provision to net charge-offs | -97,000.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7515% | 1,252 |
| Assets per employee ($millions) | 4.1184% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2461% | 1,494 |
| Loan loss allowance to noncurrent loans | 62.8725% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.3771% | 1,283 |
| Noncurrent loans to loans | 3.5724% | 1,338 |
| Net loans and leases to total assets | 82.3698% | 266 |
| Net loans and leases to deposits | 94.4048% | 645 |
| Net loans and leases to core deposits | 100.4755% | 920 |
| Total domestic deposits to total assets | 87.2517% | 2,792 |
| Equity capital to assets | 8.9213% | 5,585 |
| Core capital (leverage) ratio | 8.3049% | 5,820 |
| Tier 1 risk-based capital ratio | 11.0310% | 6,391 |
| Total risk-based capital ratio | 12.2965% | 6,358 |
| Memoranda: | ||
| Average total assets | $148,996,000 | 3,831 |
| Average earning assets | $141,620,000 | 3,736 |
| Average equity | $13,622,500 | 4,266 |
| Average total loans | $124,899,500 | 2,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7246% | 2,493 |
| Cost of funding earning assets | 0.9661% | 1,550 |
| Net interest margin | 3.7585% | 3,399 |
| Noninterest income to average assets | 0.7336% | 2,569 |
| Noninterest expense to average assets | 3.7949% | 1,260 |
| Loan and lease loss provision to assets | 0.3592% | 1,852 |
| Net operating income to assets | 0.0579% | 6,076 |
| Return on assets (ROA) | 0.0721% | 6,199 |
| Pretax return on assets | 0.0968% | 6,167 |
| Return on Equity (ROE) | 0.8119% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.8119% | 5,457 |
| Net charge-offs to loans | 0.5445% | 2,099 |
| Credit loss provision to net charge-offs | 82.4383% | 3,747 |
| Earnings coverage of net charge-offs (x) | 1.0029% | 4,971 |
| Efficiency ratio | 89.6742% | 1,094 |
| Assets per employee ($millions) | 4.0467% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 3,871 |
| Loan loss allowance to noncurrent loans | 51.4150% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.7824% | 1,727 |
| Noncurrent loans to loans | 2.8582% | 1,836 |
| Net loans and leases to total assets | 82.1711% | 318 |
| Net loans and leases to deposits | 94.9402% | 686 |
| Net loans and leases to core deposits | 101.0140% | 960 |
| Total domestic deposits to total assets | 86.5504% | 3,077 |
| Equity capital to assets | 9.3622% | 5,053 |
| Core capital (leverage) ratio | 8.6556% | 5,391 |
| Tier 1 risk-based capital ratio | 11.8151% | 5,899 |
| Total risk-based capital ratio | 13.0697% | 5,860 |
| Memoranda: | ||
| Average total assets | $158,133,000 | 3,653 |
| Average earning assets | $147,187,200 | 3,603 |
| Average equity | $14,040,800 | 4,150 |
| Average total loans | $126,535,200 | 2,939 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 2,648 |
| Cost of funding earning assets | 0.9985% | 1,565 |
| Net interest margin | 3.7356% | 3,633 |
| Noninterest income to average assets | 0.8296% | 2,125 |
| Noninterest expense to average assets | 3.7344% | 1,317 |
| Loan and lease loss provision to assets | 0.3295% | 1,991 |
| Net operating income to assets | 0.1994% | 5,920 |
| Return on assets (ROA) | 0.2213% | 6,036 |
| Pretax return on assets | 0.2521% | 6,041 |
| Return on Equity (ROE) | 2.5249% | 5,869 |
| Retained earnings to average equity (ytd only) | 2.5249% | 5,052 |
| Net charge-offs to loans | 0.4800% | 2,179 |
| Credit loss provision to net charge-offs | 86.6521% | 3,407 |
| Earnings coverage of net charge-offs (x) | 1.4639% | 4,554 |
| Efficiency ratio | 87.0273% | 1,304 |
| Assets per employee ($millions) | 4.1751% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 3,844 |
| Loan loss allowance to noncurrent loans | 63.8262% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 2.2477% | 2,373 |
| Noncurrent loans to loans | 2.3873% | 2,419 |
| Net loans and leases to total assets | 77.1954% | 831 |
| Net loans and leases to deposits | 88.7015% | 1,273 |
| Net loans and leases to core deposits | 94.9116% | 1,498 |
| Total domestic deposits to total assets | 87.0282% | 2,652 |
| Equity capital to assets | 8.9895% | 5,837 |
| Core capital (leverage) ratio | 8.5007% | 5,753 |
| Tier 1 risk-based capital ratio | 11.7606% | 6,076 |
| Total risk-based capital ratio | 13.0158% | 6,054 |
| Memoranda: | ||
| Average total assets | $160,234,000 | 3,652 |
| Average earning assets | $148,479,000 | 3,618 |
| Average equity | $14,046,500 | 4,184 |
| Average total loans | $126,951,750 | 2,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 2,781 |
| Cost of funding earning assets | 1.0354% | 1,545 |
| Net interest margin | 3.6984% | 3,829 |
| Noninterest income to average assets | 0.6457% | 2,974 |
| Noninterest expense to average assets | 3.6713% | 1,429 |
| Loan and lease loss provision to assets | 0.2687% | 2,439 |
| Net operating income to assets | 0.1426% | 6,063 |
| Return on assets (ROA) | 0.1754% | 6,163 |
| Pretax return on assets | 0.2003% | 6,152 |
| Return on Equity (ROE) | 2.0179% | 6,034 |
| Retained earnings to average equity (ytd only) | 2.0179% | 5,190 |
| Net charge-offs to loans | 0.4679% | 2,195 |
| Credit loss provision to net charge-offs | 72.2408% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.1605% | 4,435 |
| Efficiency ratio | 89.4785% | 1,119 |
| Assets per employee ($millions) | 4.4557% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 4,145 |
| Loan loss allowance to noncurrent loans | 70.7326% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0511% | 2,722 |
| Noncurrent loans to loans | 2.0833% | 2,846 |
| Net loans and leases to total assets | 78.0749% | 710 |
| Net loans and leases to deposits | 89.5707% | 1,189 |
| Net loans and leases to core deposits | 94.7982% | 1,523 |
| Total domestic deposits to total assets | 87.1656% | 2,676 |
| Equity capital to assets | 8.7728% | 5,947 |
| Core capital (leverage) ratio | 8.2809% | 5,942 |
| Tier 1 risk-based capital ratio | 11.6721% | 6,120 |
| Total risk-based capital ratio | 12.9270% | 6,101 |
| Memoranda: | ||
| Average total assets | $160,761,330 | 3,646 |
| Average earning assets | $150,282,670 | 3,595 |
| Average equity | $13,974,670 | 4,200 |
| Average total loans | $127,813,330 | 2,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 2,998 |
| Cost of funding earning assets | 1.0906% | 1,446 |
| Net interest margin | 3.6240% | 4,156 |
| Noninterest income to average assets | 0.8873% | 1,805 |
| Noninterest expense to average assets | 3.8648% | 1,111 |
| Loan and lease loss provision to assets | 0.4747% | 1,285 |
| Net operating income to assets | -0.0497% | 6,482 |
| Return on assets (ROA) | -0.0373% | 6,565 |
| Pretax return on assets | -0.0373% | 6,563 |
| Return on Equity (ROE) | -0.4308% | 6,582 |
| Retained earnings to average equity (ytd only) | -0.4308% | 6,071 |
| Net charge-offs to loans | 0.8988% | 1,143 |
| Credit loss provision to net charge-offs | 66.3194% | 2,989 |
| Earnings coverage of net charge-offs (x) | 0.5938% | 4,039 |
| Efficiency ratio | 90.0927% | 1,090 |
| Assets per employee ($millions) | 4.3518% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,324 |
| Loan loss allowance to noncurrent loans | 53.6663% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.8947% | 2,004 |
| Noncurrent loans to loans | 2.7257% | 2,391 |
| Net loans and leases to total assets | 77.7727% | 614 |
| Net loans and leases to deposits | 89.2300% | 1,039 |
| Net loans and leases to core deposits | 93.3437% | 1,516 |
| Total domestic deposits to total assets | 87.1598% | 2,857 |
| Equity capital to assets | 8.6493% | 5,931 |
| Core capital (leverage) ratio | 8.2268% | 5,987 |
| Tier 1 risk-based capital ratio | 11.3655% | 6,351 |
| Total risk-based capital ratio | 12.6202% | 6,329 |
| Memoranda: | ||
| Average total assets | $160,939,500 | 3,664 |
| Average earning assets | $151,105,000 | 3,595 |
| Average equity | $13,926,000 | 4,215 |
| Average total loans | $128,165,500 | 2,976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 3,483 |
| Cost of funding earning assets | 1.3960% | 1,055 |
| Net interest margin | 3.4768% | 5,230 |
| Noninterest income to average assets | 0.7998% | 2,064 |
| Noninterest expense to average assets | 3.4913% | 2,003 |
| Loan and lease loss provision to assets | 0.5802% | 1,784 |
| Net operating income to assets | 0.0909% | 5,883 |
| Return on assets (ROA) | 0.1336% | 5,909 |
| Pretax return on assets | 0.1002% | 5,968 |
| Return on Equity (ROE) | 1.5573% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.5573% | 5,100 |
| Net charge-offs to loans | 0.7955% | 2,170 |
| Credit loss provision to net charge-offs | 93.8939% | 3,836 |
| Earnings coverage of net charge-offs (x) | 1.0320% | 5,019 |
| Efficiency ratio | 84.5543% | 1,702 |
| Assets per employee ($millions) | 4.3476% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 3,964 |
| Loan loss allowance to noncurrent loans | 78.0527% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.3293% | 2,596 |
| Noncurrent loans to loans | 1.9390% | 3,286 |
| Net loans and leases to total assets | 79.1292% | 589 |
| Net loans and leases to deposits | 91.0488% | 1,048 |
| Net loans and leases to core deposits | 95.8819% | 1,503 |
| Total domestic deposits to total assets | 86.9086% | 2,813 |
| Equity capital to assets | 8.6565% | 5,951 |
| Core capital (leverage) ratio | 8.0478% | 6,209 |
| Tier 1 risk-based capital ratio | 11.4938% | 6,161 |
| Total risk-based capital ratio | 12.7492% | 6,146 |
| Memoranda: | ||
| Average total assets | $161,658,000 | 3,609 |
| Average earning assets | $154,797,400 | 3,495 |
| Average equity | $13,870,400 | 4,136 |
| Average total loans | $125,581,400 | 3,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8787% | 3,644 |
| Cost of funding earning assets | 1.4520% | 1,020 |
| Net interest margin | 3.4267% | 5,480 |
| Noninterest income to average assets | 0.7488% | 2,322 |
| Noninterest expense to average assets | 3.4663% | 2,032 |
| Loan and lease loss provision to assets | 0.1853% | 4,178 |
| Net operating income to assets | 0.3440% | 5,232 |
| Return on assets (ROA) | 0.3946% | 5,206 |
| Pretax return on assets | 0.4432% | 5,333 |
| Return on Equity (ROE) | 4.6089% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.6089% | 3,438 |
| Net charge-offs to loans | 0.2588% | 3,811 |
| Credit loss provision to net charge-offs | 92.9752% | 3,671 |
| Earnings coverage of net charge-offs (x) | 2.8678% | 3,709 |
| Efficiency ratio | 85.8425% | 1,549 |
| Assets per employee ($millions) | 4.1824% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,789 |
| Loan loss allowance to noncurrent loans | 85.2515% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 3,807 |
| Noncurrent loans to loans | 1.8449% | 3,575 |
| Net loans and leases to total assets | 76.7313% | 876 |
| Net loans and leases to deposits | 88.4109% | 1,382 |
| Net loans and leases to core deposits | 93.3980% | 1,841 |
| Total domestic deposits to total assets | 86.7894% | 2,779 |
| Equity capital to assets | 8.7185% | 6,064 |
| Core capital (leverage) ratio | 8.1940% | 6,140 |
| Tier 1 risk-based capital ratio | 11.6902% | 6,115 |
| Total risk-based capital ratio | 12.9467% | 6,103 |
| Memoranda: | ||
| Average total assets | $161,857,250 | 3,638 |
| Average earning assets | $155,365,000 | 3,512 |
| Average equity | $13,856,750 | 4,152 |
| Average total loans | $124,665,750 | 3,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 3,671 |
| Cost of funding earning assets | 1.5122% | 966 |
| Net interest margin | 3.3773% | 5,617 |
| Noninterest income to average assets | 0.7805% | 2,110 |
| Noninterest expense to average assets | 3.4539% | 2,111 |
| Loan and lease loss provision to assets | 0.1734% | 4,196 |
| Net operating income to assets | 0.3568% | 5,148 |
| Return on assets (ROA) | 0.3568% | 5,285 |
| Pretax return on assets | 0.4014% | 5,387 |
| Return on Equity (ROE) | 4.1936% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1936% | 3,528 |
| Net charge-offs to loans | 0.2261% | 3,770 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.3143% | 3,214 |
| Efficiency ratio | 85.7319% | 1,629 |
| Assets per employee ($millions) | 4.3848% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,650 |
| Loan loss allowance to noncurrent loans | 81.2324% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 3,629 |
| Noncurrent loans to loans | 1.9833% | 3,509 |
| Net loans and leases to total assets | 75.9253% | 1,079 |
| Net loans and leases to deposits | 87.5529% | 1,558 |
| Net loans and leases to core deposits | 91.9404% | 2,144 |
| Total domestic deposits to total assets | 86.7194% | 2,905 |
| Equity capital to assets | 8.6164% | 6,040 |
| Core capital (leverage) ratio | 8.1290% | 6,121 |
| Tier 1 risk-based capital ratio | 11.7079% | 6,001 |
| Total risk-based capital ratio | 12.9652% | 6,006 |
| Memoranda: | ||
| Average total assets | $161,439,000 | 3,666 |
| Average earning assets | $155,271,000 | 3,538 |
| Average equity | $13,735,330 | 4,172 |
| Average total loans | $123,835,000 | 3,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 3,686 |
| Cost of funding earning assets | 1.5146% | 1,109 |
| Net interest margin | 3.3666% | 5,555 |
| Noninterest income to average assets | 0.5912% | 3,233 |
| Noninterest expense to average assets | 3.5842% | 1,805 |
| Loan and lease loss provision to assets | 0.0248% | 5,652 |
| Net operating income to assets | 0.2037% | 5,773 |
| Return on assets (ROA) | 0.2037% | 5,835 |
| Pretax return on assets | 0.2285% | 5,876 |
| Return on Equity (ROE) | 2.4094% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,705 |
| Net charge-offs to loans | 0.3248% | 2,757 |
| Credit loss provision to net charge-offs | 10.0000% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.0200% | 3,890 |
| Efficiency ratio | 93.3981% | 1,073 |
| Assets per employee ($millions) | 4.2449% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 3,868 |
| Loan loss allowance to noncurrent loans | 80.1247% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.6862% | 3,720 |
| Noncurrent loans to loans | 1.9603% | 3,626 |
| Net loans and leases to total assets | 74.8616% | 1,208 |
| Net loans and leases to deposits | 86.3803% | 1,669 |
| Net loans and leases to core deposits | 91.4957% | 2,177 |
| Total domestic deposits to total assets | 86.6652% | 3,140 |
| Equity capital to assets | 8.4665% | 5,957 |
| Core capital (leverage) ratio | 8.1478% | 6,059 |
| Tier 1 risk-based capital ratio | 11.7094% | 5,934 |
| Total risk-based capital ratio | 12.9653% | 5,930 |
| Memoranda: | ||
| Average total assets | $161,040,000 | 3,688 |
| Average earning assets | $155,292,500 | 3,559 |
| Average equity | $13,613,500 | 4,186 |
| Average total loans | $123,154,500 | 3,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 4,414 |
| Cost of funding earning assets | 1.7501% | 1,378 |
| Net interest margin | 3.2793% | 6,041 |
| Noninterest income to average assets | 0.5487% | 3,834 |
| Noninterest expense to average assets | 3.2730% | 2,819 |
| Loan and lease loss provision to assets | 0.3803% | 3,836 |
| Net operating income to assets | 0.0537% | 5,687 |
| Return on assets (ROA) | 0.3140% | 5,055 |
| Pretax return on assets | 0.3480% | 5,088 |
| Return on Equity (ROE) | 4.0159% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.0159% | 3,052 |
| Net charge-offs to loans | 0.3624% | 4,207 |
| Credit loss provision to net charge-offs | 145.8432% | 2,525 |
| Earnings coverage of net charge-offs (x) | 1.6841% | 4,470 |
| Efficiency ratio | 88.1715% | 1,466 |
| Assets per employee ($millions) | 4.1224% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 3,458 |
| Loan loss allowance to noncurrent loans | 80.1988% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7665% | 3,660 |
| Noncurrent loans to loans | 2.0344% | 3,511 |
| Net loans and leases to total assets | 75.6396% | 1,343 |
| Net loans and leases to deposits | 87.4695% | 1,867 |
| Net loans and leases to core deposits | 93.2856% | 2,344 |
| Total domestic deposits to total assets | 86.4753% | 3,092 |
| Equity capital to assets | 8.4405% | 5,938 |
| Core capital (leverage) ratio | 7.9498% | 6,269 |
| Tier 1 risk-based capital ratio | 11.7563% | 5,687 |
| Total risk-based capital ratio | 13.0152% | 5,681 |
| Memoranda: | ||
| Average total assets | $161,471,400 | 3,671 |
| Average earning assets | $155,765,000 | 3,525 |
| Average equity | $12,624,800 | 4,451 |
| Average total loans | $116,166,200 | 3,399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0068% | 4,784 |
| Cost of funding earning assets | 1.7853% | 1,478 |
| Net interest margin | 3.2215% | 6,271 |
| Noninterest income to average assets | 0.4479% | 4,579 |
| Noninterest expense to average assets | 3.2432% | 2,764 |
| Loan and lease loss provision to assets | 0.2837% | 4,311 |
| Net operating income to assets | 0.0256% | 5,943 |
| Return on assets (ROA) | 0.2796% | 5,403 |
| Pretax return on assets | 0.2796% | 5,555 |
| Return on Equity (ROE) | 3.6485% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,882 |
| Net charge-offs to loans | 0.4584% | 3,457 |
| Credit loss provision to net charge-offs | 87.5318% | 4,873 |
| Earnings coverage of net charge-offs (x) | 0.9542% | 5,107 |
| Efficiency ratio | 91.2932% | 1,186 |
| Assets per employee ($millions) | 4.3932% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,221 |
| Loan loss allowance to noncurrent loans | 64.1953% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.9200% | 3,585 |
| Noncurrent loans to loans | 2.2542% | 3,384 |
| Net loans and leases to total assets | 74.3679% | 1,723 |
| Net loans and leases to deposits | 85.6332% | 2,418 |
| Net loans and leases to core deposits | 91.1872% | 2,923 |
| Total domestic deposits to total assets | 86.8447% | 2,616 |
| Equity capital to assets | 8.0246% | 6,785 |
| Core capital (leverage) ratio | 7.2285% | 7,042 |
| Tier 1 risk-based capital ratio | 10.7318% | 6,612 |
| Total risk-based capital ratio | 11.9870% | 6,583 |
| Memoranda: | ||
| Average total assets | $161,646,000 | 3,727 |
| Average earning assets | $155,784,250 | 3,576 |
| Average equity | $12,388,500 | 4,576 |
| Average total loans | $114,301,500 | 3,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 4,806 |
| Cost of funding earning assets | 1.8124% | 1,595 |
| Net interest margin | 3.2174% | 6,263 |
| Noninterest income to average assets | 0.4438% | 4,572 |
| Noninterest expense to average assets | 3.2341% | 2,787 |
| Loan and lease loss provision to assets | 0.2219% | 4,679 |
| Net operating income to assets | 0.0905% | 5,890 |
| Return on assets (ROA) | 0.2715% | 5,443 |
| Pretax return on assets | 0.2715% | 5,591 |
| Return on Equity (ROE) | 3.5990% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.5990% | 3,807 |
| Net charge-offs to loans | 0.4645% | 3,147 |
| Credit loss provision to net charge-offs | 69.1120% | 4,994 |
| Earnings coverage of net charge-offs (x) | 0.9730% | 4,808 |
| Efficiency ratio | 91.1919% | 1,248 |
| Assets per employee ($millions) | 4.3053% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,752 |
| Loan loss allowance to noncurrent loans | 54.2289% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.0568% | 3,440 |
| Noncurrent loans to loans | 2.8264% | 2,834 |
| Net loans and leases to total assets | 68.4835% | 3,253 |
| Net loans and leases to deposits | 78.9533% | 3,809 |
| Net loans and leases to core deposits | 83.8298% | 4,154 |
| Total domestic deposits to total assets | 86.7392% | 2,685 |
| Equity capital to assets | 7.9895% | 6,762 |
| Core capital (leverage) ratio | 7.1673% | 7,091 |
| Tier 1 risk-based capital ratio | 10.9881% | 6,243 |
| Total risk-based capital ratio | 12.2433% | 6,227 |
| Memoranda: | ||
| Average total assets | $161,344,670 | 3,758 |
| Average earning assets | $155,592,670 | 3,606 |
| Average equity | $12,170,000 | 4,634 |
| Average total loans | $111,515,330 | 3,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 4,960 |
| Cost of funding earning assets | 1.8347% | 1,725 |
| Net interest margin | 3.1777% | 6,358 |
| Noninterest income to average assets | 0.4094% | 4,823 |
| Noninterest expense to average assets | 3.0933% | 3,290 |
| Loan and lease loss provision to assets | 0.1473% | 5,073 |
| Net operating income to assets | 0.2347% | 5,559 |
| Return on assets (ROA) | 0.2347% | 5,675 |
| Pretax return on assets | 0.2347% | 5,782 |
| Return on Equity (ROE) | 3.2083% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.2083% | 4,225 |
| Net charge-offs to loans | -0.0036% | 6,788 |
| Credit loss provision to net charge-offs | -5,900.0000% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0086% | 1,506 |
| Assets per employee ($millions) | 4.8084% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6632% | 3,200 |
| Loan loss allowance to noncurrent loans | 61.5083% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 3,544 |
| Noncurrent loans to loans | 2.7040% | 2,961 |
| Net loans and leases to total assets | 68.1369% | 3,355 |
| Net loans and leases to deposits | 78.3013% | 3,982 |
| Net loans and leases to core deposits | 83.2092% | 4,308 |
| Total domestic deposits to total assets | 87.0189% | 2,623 |
| Equity capital to assets | 7.5830% | 7,009 |
| Core capital (leverage) ratio | 7.1685% | 7,135 |
| Tier 1 risk-based capital ratio | 10.6837% | 6,459 |
| Total risk-based capital ratio | 11.9405% | 6,441 |
| Memoranda: | ||
| Average total assets | $160,215,500 | 3,842 |
| Average earning assets | $154,575,000 | 3,678 |
| Average equity | $11,719,500 | 4,784 |
| Average total loans | $110,380,500 | 3,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 5,352 |
| Cost of funding earning assets | 2.3086% | 1,616 |
| Net interest margin | 2.9550% | 6,741 |
| Noninterest income to average assets | 0.6561% | 3,250 |
| Noninterest expense to average assets | 3.6930% | 1,926 |
| Loan and lease loss provision to assets | 0.7709% | 2,799 |
| Net operating income to assets | -1.0425% | 6,604 |
| Return on assets (ROA) | -0.7427% | 6,393 |
| Pretax return on assets | -0.7427% | 6,230 |
| Return on Equity (ROE) | -10.8924% | 6,689 |
| Retained earnings to average equity (ytd only) | -10.8924% | 6,591 |
| Net charge-offs to loans | 0.2102% | 5,310 |
| Credit loss provision to net charge-offs | 551.6432% | 546 |
| Earnings coverage of net charge-offs (x) | -1.9437% | 6,996 |
| Efficiency ratio | 107.9386% | 842 |
| Assets per employee ($millions) | 4.6161% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 2,899 |
| Loan loss allowance to noncurrent loans | 59.5106% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0478% | 3,337 |
| Noncurrent loans to loans | 2.8516% | 2,699 |
| Net loans and leases to total assets | 67.3221% | 3,856 |
| Net loans and leases to deposits | 77.2464% | 4,519 |
| Net loans and leases to core deposits | 100.4019% | 3,955 |
| Total domestic deposits to total assets | 87.1524% | 2,413 |
| Equity capital to assets | 7.0355% | 7,354 |
| Core capital (leverage) ratio | 6.5161% | 7,488 |
| Tier 1 risk-based capital ratio | 10.0665% | 6,814 |
| Total risk-based capital ratio | 11.3229% | 6,778 |
| Memoranda: | ||
| Average total assets | $152,423,400 | 3,922 |
| Average earning assets | $142,638,400 | 3,848 |
| Average equity | $10,392,600 | 5,195 |
| Average total loans | $101,342,000 | 3,911 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 5,711 |
| Cost of funding earning assets | 2.4175% | 1,571 |
| Net interest margin | 2.8257% | 7,011 |
| Noninterest income to average assets | 0.7112% | 2,944 |
| Noninterest expense to average assets | 3.3841% | 2,624 |
| Loan and lease loss provision to assets | 0.2494% | 4,959 |
| Net operating income to assets | -0.2988% | 6,196 |
| Return on assets (ROA) | -0.2988% | 6,212 |
| Pretax return on assets | -0.2988% | 6,097 |
| Return on Equity (ROE) | -4.4182% | 6,389 |
| Retained earnings to average equity (ytd only) | -4.4182% | 6,176 |
| Net charge-offs to loans | 0.0200% | 6,622 |
| Credit loss provision to net charge-offs | 1,886.6667% | 205 |
| Earnings coverage of net charge-offs (x) | -3.7330% | 6,821 |
| Efficiency ratio | 101.4799% | 1,001 |
| Assets per employee ($millions) | 4.5327% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 5,943 |
| Loan loss allowance to noncurrent loans | 39.8589% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7870% | 3,672 |
| Noncurrent loans to loans | 2.6676% | 2,841 |
| Net loans and leases to total assets | 66.2771% | 4,362 |
| Net loans and leases to deposits | 76.1585% | 5,010 |
| Net loans and leases to core deposits | 96.9543% | 4,708 |
| Total domestic deposits to total assets | 87.0252% | 2,172 |
| Equity capital to assets | 7.1184% | 7,540 |
| Core capital (leverage) ratio | 6.8890% | 7,496 |
| Tier 1 risk-based capital ratio | 10.6694% | 6,277 |
| Total risk-based capital ratio | 11.7939% | 6,382 |
| Memoranda: | ||
| Average total assets | $151,292,500 | 3,959 |
| Average earning assets | $140,469,750 | 3,918 |
| Average equity | $10,230,250 | 5,275 |
| Average total loans | $99,806,500 | 3,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 5,961 |
| Cost of funding earning assets | 2.5259% | 1,522 |
| Net interest margin | 2.7031% | 7,189 |
| Noninterest income to average assets | 0.7861% | 2,481 |
| Noninterest expense to average assets | 3.4332% | 2,528 |
| Loan and lease loss provision to assets | 0.2419% | 4,650 |
| Net operating income to assets | -0.3682% | 6,411 |
| Return on assets (ROA) | -0.3682% | 6,421 |
| Pretax return on assets | -0.3682% | 6,294 |
| Return on Equity (ROE) | -5.5488% | 6,667 |
| Retained earnings to average equity (ytd only) | -5.5488% | 6,386 |
| Net charge-offs to loans | 0.0225% | 6,183 |
| Credit loss provision to net charge-offs | 1,636.3636% | 314 |
| Earnings coverage of net charge-offs (x) | -8.5455% | 6,509 |
| Efficiency ratio | 103.8196% | 1,039 |
| Assets per employee ($millions) | 4.4215% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 5,970 |
| Loan loss allowance to noncurrent loans | 37.4637% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7783% | 3,510 |
| Noncurrent loans to loans | 2.7748% | 2,594 |
| Net loans and leases to total assets | 63.4226% | 5,094 |
| Net loans and leases to deposits | 72.8076% | 5,631 |
| Net loans and leases to core deposits | 92.4643% | 5,300 |
| Total domestic deposits to total assets | 87.1099% | 2,191 |
| Equity capital to assets | 6.6318% | 7,773 |
| Core capital (leverage) ratio | 6.7783% | 7,671 |
| Tier 1 risk-based capital ratio | 10.0339% | 6,883 |
| Total risk-based capital ratio | 11.0906% | 7,026 |
| Memoranda: | ||
| Average total assets | $148,841,330 | 4,014 |
| Average earning assets | $138,804,670 | 3,974 |
| Average equity | $9,876,000 | 5,395 |
| Average total loans | $97,650,000 | 4,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 6,602 |
| Cost of funding earning assets | 2.6471% | 1,423 |
| Net interest margin | 2.4681% | 7,536 |
| Noninterest income to average assets | 0.5840% | 3,661 |
| Noninterest expense to average assets | 3.2437% | 2,816 |
| Loan and lease loss provision to assets | 0.2276% | 4,168 |
| Net operating income to assets | -0.5045% | 6,882 |
| Return on assets (ROA) | -0.5045% | 6,931 |
| Pretax return on assets | -0.5045% | 6,823 |
| Return on Equity (ROE) | -7.6013% | 7,206 |
| Retained earnings to average equity (ytd only) | -7.6013% | 6,870 |
| Net charge-offs to loans | 0.0454% | 4,843 |
| Credit loss provision to net charge-offs | 754.5455% | 787 |
| Earnings coverage of net charge-offs (x) | -9.1818% | 5,611 |
| Efficiency ratio | 109.3346% | 826 |
| Assets per employee ($millions) | 4.0699% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,488 |
| Loan loss allowance to noncurrent loans | 124.6996% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 5,935 |
| Noncurrent loans to loans | 0.7621% | 5,525 |
| Net loans and leases to total assets | 66.4401% | 4,480 |
| Net loans and leases to deposits | 76.5227% | 5,146 |
| Net loans and leases to core deposits | 96.6424% | 4,884 |
| Total domestic deposits to total assets | 86.8241% | 2,305 |
| Equity capital to assets | 6.5255% | 7,864 |
| Core capital (leverage) ratio | 6.4100% | 7,911 |
| Tier 1 risk-based capital ratio | 9.1023% | 7,732 |
| Total risk-based capital ratio | 10.0205% | 7,950 |
| Memoranda: | ||
| Average total assets | $145,885,000 | 4,078 |
| Average earning assets | $140,835,000 | 3,936 |
| Average equity | $9,682,500 | 5,482 |
| Average total loans | $96,885,000 | 4,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7296% | 6,680 |
| Cost of funding earning assets | 2.8177% | 2,635 |
| Net interest margin | 2.9119% | 7,129 |
| Noninterest income to average assets | 0.5735% | 4,062 |
| Noninterest expense to average assets | 4.6812% | 774 |
| Loan and lease loss provision to assets | 0.2019% | 4,873 |
| Net operating income to assets | -1.5226% | 7,474 |
| Return on assets (ROA) | -1.5168% | 7,416 |
| Pretax return on assets | -1.5168% | 7,261 |
| Return on Equity (ROE) | -18.2254% | 7,720 |
| Retained earnings to average equity (ytd only) | -18.2254% | 7,629 |
| Net charge-offs to loans | 0.0072% | 6,850 |
| Credit loss provision to net charge-offs | 4,066.6667% | 127 |
| Earnings coverage of net charge-offs (x) | -266.0000% | 7,024 |
| Efficiency ratio | 139.3007% | 406 |
| Assets per employee ($millions) | 4.0348% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 6,665 |
| Loan loss allowance to noncurrent loans | 109.9490% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 5,554 |
| Noncurrent loans to loans | 0.8210% | 4,997 |
| Net loans and leases to total assets | 65.1470% | 5,022 |
| Net loans and leases to deposits | 75.4170% | 5,665 |
| Net loans and leases to core deposits | 96.7290% | 5,175 |
| Total domestic deposits to total assets | 86.3824% | 2,226 |
| Equity capital to assets | 6.7496% | 7,856 |
| Core capital (leverage) ratio | 6.7720% | 7,828 |
| Tier 1 risk-based capital ratio | 10.1149% | 6,615 |
| Total risk-based capital ratio | 11.0387% | 6,857 |
| Memoranda: | ||
| Average total assets | $120,844,600 | 4,498 |
| Average earning assets | $115,662,800 | 4,370 |
| Average equity | $10,057,400 | 5,392 |
| Average total loans | $82,908,800 | 4,429 |