Home > Esquire Bank > Performance and Condition Ratios
Esquire Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5505% | 336 |
| Cost of funding earning assets | 0.5823% | 4,095 |
| Net interest margin | 5.9682% | 113 |
| Noninterest income to average assets | 1.7600% | 313 |
| Noninterest expense to average assets | 3.3519% | 701 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 2.7910% | 187 |
| Return on assets (ROA) | 2.7910% | 188 |
| Pretax return on assets | 3.8036% | 125 |
| Return on Equity (ROE) | 27.8500% | 219 |
| Retained earnings to average equity (ytd only) | 27.8510% | 55 |
| Net charge-offs to loans | 0.0381% | 1,549 |
| Credit loss provision to net charge-offs | 1,131.2500% | 373 |
| Earnings coverage of net charge-offs (x) | 149.8175% | 707 |
| Efficiency ratio | 44.8947% | 4,224 |
| Assets per employee ($millions) | 11.3914% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,428 |
| Loan loss allowance to noncurrent loans | 151.0673% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 756 |
| Noncurrent loans to loans | 0.9178% | 816 |
| Net loans and leases to total assets | 74.1700% | 1,336 |
| Net loans and leases to deposits | 83.7146% | 1,804 |
| Net loans and leases to core deposits | 83.7663% | 2,469 |
| Total domestic deposits to total assets | 88.6000% | 1,181 |
| Equity capital to assets | 10.5341% | 1,708 |
| Core capital (leverage) ratio | 12.0670% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3785% | 1,425 |
| Memoranda: | ||
| Average total assets | $1,456,582,800 | 732 |
| Average earning assets | $1,393,596,600 | 706 |
| Average equity | $145,966,000 | 688 |
| Average total loans | $1,050,883,600 | 699 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4696% | 315 |
| Cost of funding earning assets | 0.5121% | 4,118 |
| Net interest margin | 5.9575% | 113 |
| Noninterest income to average assets | 1.8100% | 320 |
| Noninterest expense to average assets | 3.3794% | 647 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 2.8240% | 200 |
| Return on assets (ROA) | 2.8240% | 199 |
| Pretax return on assets | 3.8416% | 137 |
| Return on Equity (ROE) | 28.5900% | 254 |
| Retained earnings to average equity (ytd only) | 28.5905% | 103 |
| Net charge-offs to loans | 0.0267% | 1,534 |
| Credit loss provision to net charge-offs | 1,490.1478% | 307 |
| Earnings coverage of net charge-offs (x) | 216.7389% | 564 |
| Efficiency ratio | 45.0307% | 4,189 |
| Assets per employee ($millions) | 10.5745% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 1,500 |
| Loan loss allowance to noncurrent loans | 15,640.8163% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,794 |
| Noncurrent loans to loans | 0.0089% | 3,741 |
| Net loans and leases to total assets | 74.6800% | 1,272 |
| Net loans and leases to deposits | 84.5099% | 1,698 |
| Net loans and leases to core deposits | 84.5668% | 2,288 |
| Total domestic deposits to total assets | 88.3700% | 1,457 |
| Equity capital to assets | 10.5051% | 1,554 |
| Core capital (leverage) ratio | 11.9795% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5925% | 1,401 |
| Memoranda: | ||
| Average total assets | $1,422,029,750 | 746 |
| Average earning assets | $1,358,505,750 | 719 |
| Average equity | $140,458,000 | 703 |
| Average total loans | $1,013,721,250 | 716 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 326 |
| Cost of funding earning assets | 0.4515% | 4,079 |
| Net interest margin | 5.8152% | 123 |
| Noninterest income to average assets | 1.8200% | 268 |
| Noninterest expense to average assets | 3.3145% | 679 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 2.7847% | 177 |
| Return on assets (ROA) | 2.7847% | 175 |
| Pretax return on assets | 3.8016% | 124 |
| Return on Equity (ROE) | 28.8300% | 243 |
| Retained earnings to average equity (ytd only) | 28.8256% | 85 |
| Net charge-offs to loans | 0.0309% | 1,271 |
| Credit loss provision to net charge-offs | 1,200.6579% | 355 |
| Earnings coverage of net charge-offs (x) | 188.2829% | 642 |
| Efficiency ratio | 44.9423% | 4,208 |
| Assets per employee ($millions) | 10.7027% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,690 |
| Loan loss allowance to noncurrent loans | 354,475.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,916 |
| Noncurrent loans to loans | 0.0004% | 3,845 |
| Net loans and leases to total assets | 72.5000% | 1,467 |
| Net loans and leases to deposits | 81.7061% | 1,848 |
| Net loans and leases to core deposits | 81.7621% | 2,353 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 10.2402% | 1,722 |
| Core capital (leverage) ratio | 11.7241% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5246% | 1,420 |
| Memoranda: | ||
| Average total assets | $1,409,613,000 | 739 |
| Average earning assets | $1,347,443,333 | 717 |
| Average equity | $136,177,667 | 719 |
| Average total loans | $983,265,333 | 722 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0662% | 293 |
| Cost of funding earning assets | 0.3210% | 4,141 |
| Net interest margin | 5.7452% | 116 |
| Noninterest income to average assets | 1.7500% | 276 |
| Noninterest expense to average assets | 3.2632% | 730 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 2.8200% | 179 |
| Return on assets (ROA) | 2.8200% | 176 |
| Pretax return on assets | 3.8366% | 116 |
| Return on Equity (ROE) | 30.1100% | 234 |
| Retained earnings to average equity (ytd only) | 30.1072% | 114 |
| Net charge-offs to loans | 0.0227% | 1,228 |
| Credit loss provision to net charge-offs | 925.9259% | 380 |
| Earnings coverage of net charge-offs (x) | 258.4074% | 415 |
| Efficiency ratio | 45.0565% | 4,263 |
| Assets per employee ($millions) | 12.0976% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,812 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.2200% | 2,038 |
| Net loans and leases to deposits | 74.3198% | 2,273 |
| Net loans and leases to core deposits | 74.3522% | 2,647 |
| Total domestic deposits to total assets | 89.1100% | 1,504 |
| Equity capital to assets | 9.5786% | 2,079 |
| Core capital (leverage) ratio | 11.3075% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1432% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,402,690,500 | 759 |
| Average earning assets | $1,340,945,000 | 733 |
| Average equity | $131,384,000 | 752 |
| Average total loans | $951,822,000 | 757 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 305 |
| Cost of funding earning assets | 0.1345% | 4,209 |
| Net interest margin | 4.8540% | 168 |
| Noninterest income to average assets | 1.9500% | 256 |
| Noninterest expense to average assets | 3.0329% | 924 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 2.4306% | 157 |
| Return on assets (ROA) | 2.4306% | 152 |
| Pretax return on assets | 3.3069% | 109 |
| Return on Equity (ROE) | 25.2000% | 205 |
| Retained earnings to average equity (ytd only) | 15.4444% | 257 |
| Net charge-offs to loans | 0.0402% | 1,300 |
| Credit loss provision to net charge-offs | 1,014.5349% | 422 |
| Earnings coverage of net charge-offs (x) | 132.7558% | 844 |
| Efficiency ratio | 45.8602% | 4,352 |
| Assets per employee ($millions) | 11.9814% | 390 |
| Cash dividends to net income (ytd only)* | 38.7084% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 1,936 |
| Loan loss allowance to noncurrent loans | 305,575.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,970 |
| Noncurrent loans to loans | 0.0004% | 3,907 |
| Net loans and leases to total assets | 67.7200% | 1,861 |
| Net loans and leases to deposits | 75.3293% | 2,147 |
| Net loans and leases to core deposits | 75.3630% | 2,470 |
| Total domestic deposits to total assets | 89.9000% | 1,408 |
| Equity capital to assets | 9.1469% | 2,268 |
| Core capital (leverage) ratio | 10.9829% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4432% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,275,465,400 | 804 |
| Average earning assets | $1,224,906,400 | 776 |
| Average equity | $123,028,600 | 795 |
| Average total loans | $855,841,200 | 781 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 388 |
| Cost of funding earning assets | 0.1037% | 4,252 |
| Net interest margin | 4.5438% | 222 |
| Noninterest income to average assets | 1.9300% | 277 |
| Noninterest expense to average assets | 3.0065% | 899 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 2.2512% | 200 |
| Return on assets (ROA) | 2.2512% | 197 |
| Pretax return on assets | 3.0629% | 126 |
| Return on Equity (ROE) | 23.0100% | 255 |
| Retained earnings to average equity (ytd only) | 20.8296% | 87 |
| Net charge-offs to loans | 0.0531% | 953 |
| Credit loss provision to net charge-offs | 644.5783% | 537 |
| Earnings coverage of net charge-offs (x) | 92.9277% | 977 |
| Efficiency ratio | 47.7404% | 4,288 |
| Assets per employee ($millions) | 12.0777% | 372 |
| Cash dividends to net income (ytd only)* | 9.4773% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,286 |
| Loan loss allowance to noncurrent loans | 187.0596% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,242 |
| Noncurrent loans to loans | 0.6657% | 1,225 |
| Net loans and leases to total assets | 64.9800% | 1,985 |
| Net loans and leases to deposits | 72.6042% | 2,162 |
| Net loans and leases to core deposits | 73.0748% | 2,417 |
| Total domestic deposits to total assets | 89.5000% | 1,873 |
| Equity capital to assets | 9.4319% | 1,924 |
| Core capital (leverage) ratio | 11.5680% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9048% | 1,456 |
| Memoranda: | ||
| Average total assets | $1,249,866,250 | 828 |
| Average earning assets | $1,200,434,750 | 795 |
| Average equity | $122,278,000 | 809 |
| Average total loans | $833,469,250 | 797 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 433 |
| Cost of funding earning assets | 0.0884% | 4,305 |
| Net interest margin | 4.3164% | 265 |
| Noninterest income to average assets | 1.9113% | 245 |
| Noninterest expense to average assets | 2.9881% | 857 |
| Loan and lease loss provision to assets | 0.2435% | 304 |
| Net operating income to assets | 2.0804% | 192 |
| Return on assets (ROA) | 2.0804% | 194 |
| Pretax return on assets | 2.8304% | 121 |
| Return on Equity (ROE) | 20.9915% | 247 |
| Retained earnings to average equity (ytd only) | 17.6930% | 128 |
| Net charge-offs to loans | 0.0722% | 732 |
| Credit loss provision to net charge-offs | 503.3784% | 624 |
| Earnings coverage of net charge-offs (x) | 63.5372% | 1,056 |
| Efficiency ratio | 49.2922% | 4,293 |
| Assets per employee ($millions) | 11.0295% | 489 |
| Cash dividends to net income (ytd only)* | 15.7134% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 2,694 |
| Loan loss allowance to noncurrent loans | 256,775.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,089 |
| Noncurrent loans to loans | 0.0005% | 4,022 |
| Net loans and leases to total assets | 65.7196% | 1,731 |
| Net loans and leases to deposits | 73.2443% | 1,938 |
| Net loans and leases to core deposits | 73.7310% | 2,196 |
| Total domestic deposits to total assets | 89.7265% | 1,836 |
| Equity capital to assets | 9.4229% | 2,077 |
| Core capital (leverage) ratio | 10.5328% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2680% | 1,638 |
| Memoranda: | ||
| Average total assets | $1,223,638,333 | 843 |
| Average earning assets | $1,176,675,000 | 813 |
| Average equity | $121,268,000 | 835 |
| Average total loans | $819,912,667 | 795 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 540 |
| Cost of funding earning assets | 0.0830% | 4,318 |
| Net interest margin | 4.1005% | 338 |
| Noninterest income to average assets | 1.8423% | 271 |
| Noninterest expense to average assets | 2.9228% | 921 |
| Loan and lease loss provision to assets | 0.2151% | 327 |
| Net operating income to assets | 1.9512% | 241 |
| Return on assets (ROA) | 1.9512% | 245 |
| Pretax return on assets | 2.6546% | 144 |
| Return on Equity (ROE) | 19.1771% | 269 |
| Retained earnings to average equity (ytd only) | 19.1771% | 115 |
| Net charge-offs to loans | 0.1129% | 481 |
| Credit loss provision to net charge-offs | 283.1858% | 687 |
| Earnings coverage of net charge-offs (x) | 37.7832% | 1,029 |
| Efficiency ratio | 50.4583% | 4,293 |
| Assets per employee ($millions) | 10.9189% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,107.4679% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,364 |
| Noncurrent loans to loans | 0.1048% | 3,315 |
| Net loans and leases to total assets | 66.1016% | 1,400 |
| Net loans and leases to deposits | 74.1435% | 1,598 |
| Net loans and leases to core deposits | 74.6660% | 1,884 |
| Total domestic deposits to total assets | 89.1536% | 2,003 |
| Equity capital to assets | 9.8869% | 1,980 |
| Core capital (leverage) ratio | 11.5455% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6277% | 1,607 |
| Memoranda: | ||
| Average total assets | $1,190,231,500 | 864 |
| Average earning assets | $1,146,590,000 | 834 |
| Average equity | $121,103,000 | 850 |
| Average total loans | $800,693,500 | 800 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 694 |
| Cost of funding earning assets | 0.0825% | 4,517 |
| Net interest margin | 4.3370% | 374 |
| Noninterest income to average assets | 2.0361% | 311 |
| Noninterest expense to average assets | 3.1027% | 837 |
| Loan and lease loss provision to assets | 0.6642% | 72 |
| Net operating income to assets | 1.9094% | 402 |
| Return on assets (ROA) | 1.9094% | 422 |
| Pretax return on assets | 2.4268% | 285 |
| Return on Equity (ROE) | 17.1658% | 565 |
| Retained earnings to average equity (ytd only) | 10.2974% | 847 |
| Net charge-offs to loans | 1.2861% | 46 |
| Credit loss provision to net charge-offs | 74.9461% | 1,987 |
| Earnings coverage of net charge-offs (x) | 3.4878% | 2,541 |
| Efficiency ratio | 50.0948% | 4,276 |
| Assets per employee ($millions) | 10.5231% | 577 |
| Cash dividends to net income (ytd only)* | 40.0120% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,086 |
| Loan loss allowance to noncurrent loans | 151,283.3333% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,212 |
| Noncurrent loans to loans | 0.0008% | 4,133 |
| Net loans and leases to total assets | 66.9046% | 1,386 |
| Net loans and leases to deposits | 75.2571% | 1,623 |
| Net loans and leases to core deposits | 75.8182% | 1,936 |
| Total domestic deposits to total assets | 88.9014% | 1,569 |
| Equity capital to assets | 10.4788% | 2,199 |
| Core capital (leverage) ratio | 11.4559% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8859% | 1,553 |
| Memoranda: | ||
| Average total assets | $1,047,150,600 | 929 |
| Average earning assets | $1,003,829,400 | 906 |
| Average equity | $116,476,000 | 895 |
| Average total loans | $721,565,600 | 855 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 760 |
| Cost of funding earning assets | 0.0818% | 4,626 |
| Net interest margin | 4.3568% | 399 |
| Noninterest income to average assets | 2.1240% | 317 |
| Noninterest expense to average assets | 3.1867% | 730 |
| Loan and lease loss provision to assets | 0.8369% | 52 |
| Net operating income to assets | 1.6756% | 875 |
| Return on assets (ROA) | 1.6756% | 916 |
| Pretax return on assets | 2.2680% | 486 |
| Return on Equity (ROE) | 14.8204% | 1,180 |
| Retained earnings to average equity (ytd only) | 5.5670% | 3,014 |
| Net charge-offs to loans | 1.7254% | 33 |
| Credit loss provision to net charge-offs | 70.0449% | 1,758 |
| Earnings coverage of net charge-offs (x) | 2.5986% | 2,342 |
| Efficiency ratio | 50.6495% | 4,158 |
| Assets per employee ($millions) | 10.2002% | 607 |
| Cash dividends to net income (ytd only)* | 62.4366% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,133 |
| Loan loss allowance to noncurrent loans | 72,208.3333% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,287 |
| Noncurrent loans to loans | 0.0016% | 4,218 |
| Net loans and leases to total assets | 66.6683% | 1,467 |
| Net loans and leases to deposits | 75.1377% | 1,752 |
| Net loans and leases to core deposits | 75.7268% | 2,074 |
| Total domestic deposits to total assets | 88.7281% | 1,442 |
| Equity capital to assets | 10.4209% | 2,515 |
| Core capital (leverage) ratio | 11.3177% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9044% | 1,650 |
| Memoranda: | ||
| Average total assets | $1,019,552,750 | 960 |
| Average earning assets | $975,288,750 | 937 |
| Average equity | $115,270,750 | 913 |
| Average total loans | $706,075,500 | 891 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 818 |
| Cost of funding earning assets | 0.0821% | 4,689 |
| Net interest margin | 4.3496% | 452 |
| Noninterest income to average assets | 2.2038% | 292 |
| Noninterest expense to average assets | 3.2254% | 688 |
| Loan and lease loss provision to assets | 0.5342% | 94 |
| Net operating income to assets | 1.9286% | 557 |
| Return on assets (ROA) | 1.9286% | 580 |
| Pretax return on assets | 2.5999% | 305 |
| Return on Equity (ROE) | 16.5783% | 843 |
| Retained earnings to average equity (ytd only) | 16.5783% | 300 |
| Net charge-offs to loans | 0.0101% | 1,772 |
| Credit loss provision to net charge-offs | 7,571.4286% | 84 |
| Earnings coverage of net charge-offs (x) | 444.2286% | 292 |
| Efficiency ratio | 50.7179% | 4,172 |
| Assets per employee ($millions) | 9.7391% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 625 |
| Loan loss allowance to noncurrent loans | 617.2171% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,854 |
| Noncurrent loans to loans | 0.3215% | 2,766 |
| Net loans and leases to total assets | 65.8246% | 1,707 |
| Net loans and leases to deposits | 75.1127% | 1,904 |
| Net loans and leases to core deposits | 75.7361% | 2,263 |
| Total domestic deposits to total assets | 87.6345% | 2,024 |
| Equity capital to assets | 11.4129% | 1,686 |
| Core capital (leverage) ratio | 12.2900% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8579% | 1,157 |
| Memoranda: | ||
| Average total assets | $992,197,667 | 974 |
| Average earning assets | $947,952,000 | 945 |
| Average equity | $115,428,333 | 900 |
| Average total loans | $693,735,667 | 907 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 891 |
| Cost of funding earning assets | 0.0847% | 4,727 |
| Net interest margin | 4.3321% | 488 |
| Noninterest income to average assets | 2.2710% | 304 |
| Noninterest expense to average assets | 3.1347% | 796 |
| Loan and lease loss provision to assets | 0.7481% | 70 |
| Net operating income to assets | 1.9132% | 652 |
| Return on assets (ROA) | 1.9132% | 701 |
| Pretax return on assets | 2.5341% | 410 |
| Return on Equity (ROE) | 16.2764% | 964 |
| Retained earnings to average equity (ytd only) | 16.2764% | 488 |
| Net charge-offs to loans | 0.0122% | 1,505 |
| Credit loss provision to net charge-offs | 8,571.4286% | 72 |
| Earnings coverage of net charge-offs (x) | 376.0476% | 241 |
| Efficiency ratio | 48.8503% | 4,274 |
| Assets per employee ($millions) | 9.6487% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 764 |
| Loan loss allowance to noncurrent loans | 440.5414% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 2,636 |
| Noncurrent loans to loans | 0.4256% | 2,585 |
| Net loans and leases to total assets | 69.4053% | 1,365 |
| Net loans and leases to deposits | 79.4619% | 1,572 |
| Net loans and leases to core deposits | 80.1614% | 1,990 |
| Total domestic deposits to total assets | 87.3441% | 2,157 |
| Equity capital to assets | 11.5394% | 1,520 |
| Core capital (leverage) ratio | 12.4617% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7351% | 1,375 |
| Memoranda: | ||
| Average total assets | $962,384,000 | 985 |
| Average earning assets | $921,035,500 | 962 |
| Average equity | $113,120,500 | 909 |
| Average total loans | $687,415,000 | 915 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 826 |
| Cost of funding earning assets | 0.1465% | 4,737 |
| Net interest margin | 4.5951% | 264 |
| Noninterest income to average assets | 1.7265% | 420 |
| Noninterest expense to average assets | 3.1262% | 1,184 |
| Loan and lease loss provision to assets | 0.7361% | 199 |
| Net operating income to assets | 1.6637% | 549 |
| Return on assets (ROA) | 1.6637% | 593 |
| Pretax return on assets | 2.2635% | 269 |
| Return on Equity (ROE) | 13.4579% | 931 |
| Retained earnings to average equity (ytd only) | 8.6944% | 856 |
| Net charge-offs to loans | 0.3005% | 581 |
| Credit loss provision to net charge-offs | 340.2286% | 1,606 |
| Earnings coverage of net charge-offs (x) | 13.8645% | 2,254 |
| Efficiency ratio | 51.0334% | 4,468 |
| Assets per employee ($millions) | 9.4036% | 645 |
| Cash dividends to net income (ytd only)* | 35.3957% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,044 |
| Loan loss allowance to noncurrent loans | 495.0934% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,049 |
| Noncurrent loans to loans | 0.3428% | 2,979 |
| Net loans and leases to total assets | 70.9474% | 1,434 |
| Net loans and leases to deposits | 81.3440% | 1,725 |
| Net loans and leases to core deposits | 82.1086% | 2,183 |
| Total domestic deposits to total assets | 87.2189% | 1,834 |
| Equity capital to assets | 11.9835% | 1,573 |
| Core capital (leverage) ratio | 12.5116% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6933% | 1,345 |
| Memoranda: | ||
| Average total assets | $849,094,000 | 1,011 |
| Average earning assets | $812,887,600 | 989 |
| Average equity | $104,964,400 | 927 |
| Average total loans | $611,373,400 | 956 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 905 |
| Cost of funding earning assets | 0.1643% | 4,768 |
| Net interest margin | 4.6199% | 295 |
| Noninterest income to average assets | 1.6042% | 460 |
| Noninterest expense to average assets | 3.1098% | 1,220 |
| Loan and lease loss provision to assets | 0.7563% | 259 |
| Net operating income to assets | 1.5904% | 748 |
| Return on assets (ROA) | 1.5904% | 818 |
| Pretax return on assets | 2.1638% | 365 |
| Return on Equity (ROE) | 12.7555% | 1,181 |
| Retained earnings to average equity (ytd only) | 6.3029% | 1,974 |
| Net charge-offs to loans | 0.0295% | 2,243 |
| Credit loss provision to net charge-offs | 3,560.6061% | 299 |
| Earnings coverage of net charge-offs (x) | 137.4848% | 644 |
| Efficiency ratio | 51.5730% | 4,376 |
| Assets per employee ($millions) | 9.3497% | 625 |
| Cash dividends to net income (ytd only)* | 50.5868% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 691 |
| Loan loss allowance to noncurrent loans | 151.7463% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 1,323 |
| Noncurrent loans to loans | 1.1984% | 1,270 |
| Net loans and leases to total assets | 71.7612% | 1,703 |
| Net loans and leases to deposits | 83.4420% | 1,967 |
| Net loans and leases to core deposits | 83.5033% | 2,523 |
| Total domestic deposits to total assets | 86.0012% | 2,066 |
| Equity capital to assets | 12.3706% | 1,479 |
| Core capital (leverage) ratio | 12.2128% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9255% | 1,270 |
| Memoranda: | ||
| Average total assets | $828,628,750 | 1,017 |
| Average earning assets | $793,791,500 | 994 |
| Average equity | $103,315,250 | 931 |
| Average total loans | $596,244,250 | 977 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 1,021 |
| Cost of funding earning assets | 0.1764% | 4,816 |
| Net interest margin | 4.6928% | 348 |
| Noninterest income to average assets | 1.4935% | 472 |
| Noninterest expense to average assets | 3.0842% | 1,387 |
| Loan and lease loss provision to assets | 0.9325% | 231 |
| Net operating income to assets | 1.4510% | 1,019 |
| Return on assets (ROA) | 1.4510% | 1,103 |
| Pretax return on assets | 1.9742% | 574 |
| Return on Equity (ROE) | 11.6056% | 1,452 |
| Retained earnings to average equity (ytd only) | 1.7920% | 3,836 |
| Net charge-offs to loans | 0.0388% | 1,969 |
| Credit loss provision to net charge-offs | 3,362.8319% | 326 |
| Earnings coverage of net charge-offs (x) | 104.8230% | 680 |
| Efficiency ratio | 51.4808% | 4,398 |
| Assets per employee ($millions) | 9.7762% | 538 |
| Cash dividends to net income (ytd only)* | 84.5594% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 654 |
| Loan loss allowance to noncurrent loans | 807.5643% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 3,735 |
| Noncurrent loans to loans | 0.2227% | 3,582 |
| Net loans and leases to total assets | 69.3430% | 2,137 |
| Net loans and leases to deposits | 80.1388% | 2,405 |
| Net loans and leases to core deposits | 81.8889% | 2,784 |
| Total domestic deposits to total assets | 86.5286% | 1,795 |
| Equity capital to assets | 12.3508% | 1,454 |
| Core capital (leverage) ratio | 12.2767% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5034% | 1,131 |
| Memoranda: | ||
| Average total assets | $814,998,667 | 1,014 |
| Average earning assets | $781,061,667 | 990 |
| Average equity | $101,898,667 | 932 |
| Average total loans | $583,147,667 | 983 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 1,011 |
| Cost of funding earning assets | 0.2057% | 4,876 |
| Net interest margin | 4.7733% | 291 |
| Noninterest income to average assets | 1.5564% | 369 |
| Noninterest expense to average assets | 3.1471% | 1,531 |
| Loan and lease loss provision to assets | 0.9475% | 230 |
| Net operating income to assets | 1.4945% | 794 |
| Return on assets (ROA) | 1.4945% | 870 |
| Pretax return on assets | 2.0336% | 423 |
| Return on Equity (ROE) | 11.8777% | 1,134 |
| Retained earnings to average equity (ytd only) | -7.9383% | 4,688 |
| Net charge-offs to loans | 0.0076% | 2,291 |
| Credit loss provision to net charge-offs | 17,272.7273% | 42 |
| Earnings coverage of net charge-offs (x) | 543.4545% | 111 |
| Efficiency ratio | 51.3549% | 4,588 |
| Assets per employee ($millions) | 9.5723% | 434 |
| Cash dividends to net income (ytd only)* | 166.8335% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,326 |
| Loan loss allowance to noncurrent loans | 1,183.7333% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 4,154 |
| Noncurrent loans to loans | 0.1270% | 4,013 |
| Net loans and leases to total assets | 71.4709% | 2,006 |
| Net loans and leases to deposits | 82.6208% | 2,368 |
| Net loans and leases to core deposits | 84.4868% | 2,809 |
| Total domestic deposits to total assets | 86.5048% | 1,778 |
| Equity capital to assets | 12.3450% | 1,835 |
| Core capital (leverage) ratio | 12.4244% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9774% | 1,355 |
| Memoranda: | ||
| Average total assets | $802,123,000 | 1,001 |
| Average earning assets | $768,268,000 | 972 |
| Average equity | $100,928,500 | 935 |
| Average total loans | $577,883,000 | 967 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 946 |
| Cost of funding earning assets | 0.3637% | 4,559 |
| Net interest margin | 4.8560% | 362 |
| Noninterest income to average assets | 1.6180% | 359 |
| Noninterest expense to average assets | 3.1659% | 1,605 |
| Loan and lease loss provision to assets | 0.2534% | 715 |
| Net operating income to assets | 2.1124% | 268 |
| Return on assets (ROA) | 2.1124% | 280 |
| Pretax return on assets | 2.8584% | 112 |
| Return on Equity (ROE) | 16.6903% | 457 |
| Retained earnings to average equity (ytd only) | 16.6903% | 60 |
| Net charge-offs to loans | 0.0954% | 1,772 |
| Credit loss provision to net charge-offs | 377.5510% | 738 |
| Earnings coverage of net charge-offs (x) | 46.3592% | 1,188 |
| Efficiency ratio | 50.4310% | 4,712 |
| Assets per employee ($millions) | 9.1930% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,252 |
| Loan loss allowance to noncurrent loans | 473.5095% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,720 |
| Noncurrent loans to loans | 0.2611% | 3,510 |
| Net loans and leases to total assets | 70.6272% | 2,300 |
| Net loans and leases to deposits | 81.8516% | 2,575 |
| Net loans and leases to core deposits | 83.7600% | 2,975 |
| Total domestic deposits to total assets | 86.2869% | 1,939 |
| Equity capital to assets | 12.8273% | 1,623 |
| Core capital (leverage) ratio | 13.5046% | 1,056 |
| Tier 1 risk-based capital ratio | 16.6751% | 2,161 |
| Total risk-based capital ratio | 17.8320% | 2,130 |
| Memoranda: | ||
| Average total assets | $729,991,400 | 1,038 |
| Average earning assets | $700,490,200 | 1,012 |
| Average equity | $92,389,200 | 954 |
| Average total loans | $513,646,600 | 1,054 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 883 |
| Cost of funding earning assets | 0.3974% | 4,514 |
| Net interest margin | 4.8935% | 345 |
| Noninterest income to average assets | 1.6128% | 359 |
| Noninterest expense to average assets | 3.2124% | 1,445 |
| Loan and lease loss provision to assets | 0.2331% | 725 |
| Net operating income to assets | 2.0899% | 329 |
| Return on assets (ROA) | 2.0899% | 341 |
| Pretax return on assets | 2.8619% | 135 |
| Return on Equity (ROE) | 16.5750% | 527 |
| Retained earnings to average equity (ytd only) | 16.5750% | 92 |
| Net charge-offs to loans | 0.0367% | 2,353 |
| Credit loss provision to net charge-offs | 905.7971% | 388 |
| Earnings coverage of net charge-offs (x) | 120.2434% | 646 |
| Efficiency ratio | 50.9300% | 4,678 |
| Assets per employee ($millions) | 9.5777% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,155 |
| Loan loss allowance to noncurrent loans | 626.4870% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 4,028 |
| Noncurrent loans to loans | 0.2015% | 3,822 |
| Net loans and leases to total assets | 69.6773% | 2,521 |
| Net loans and leases to deposits | 81.1098% | 2,789 |
| Net loans and leases to core deposits | 83.0965% | 3,173 |
| Total domestic deposits to total assets | 85.9050% | 2,035 |
| Equity capital to assets | 12.8460% | 1,709 |
| Core capital (leverage) ratio | 13.1122% | 1,302 |
| Tier 1 risk-based capital ratio | 16.9036% | 2,118 |
| Total risk-based capital ratio | 18.0833% | 2,086 |
| Memoranda: | ||
| Average total assets | $714,838,750 | 1,055 |
| Average earning assets | $685,789,250 | 1,022 |
| Average equity | $90,133,250 | 975 |
| Average total loans | $500,716,000 | 1,076 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 857 |
| Cost of funding earning assets | 0.3849% | 4,560 |
| Net interest margin | 4.8883% | 353 |
| Noninterest income to average assets | 1.4755% | 412 |
| Noninterest expense to average assets | 3.1499% | 1,614 |
| Loan and lease loss provision to assets | 0.2354% | 680 |
| Net operating income to assets | 2.0200% | 375 |
| Return on assets (ROA) | 2.0200% | 396 |
| Pretax return on assets | 2.7764% | 161 |
| Return on Equity (ROE) | 16.1293% | 571 |
| Retained earnings to average equity (ytd only) | 16.1293% | 127 |
| Net charge-offs to loans | 0.0086% | 2,834 |
| Credit loss provision to net charge-offs | 3,928.5714% | 98 |
| Earnings coverage of net charge-offs (x) | 502.6190% | 150 |
| Efficiency ratio | 51.1207% | 4,717 |
| Assets per employee ($millions) | 9.5984% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.6562% | 2,578 |
| Net loans and leases to deposits | 80.8062% | 2,869 |
| Net loans and leases to core deposits | 82.8191% | 3,215 |
| Total domestic deposits to total assets | 86.2015% | 1,932 |
| Equity capital to assets | 12.6950% | 1,744 |
| Core capital (leverage) ratio | 12.8467% | 1,377 |
| Tier 1 risk-based capital ratio | 16.6245% | 2,196 |
| Total risk-based capital ratio | 17.7820% | 2,177 |
| Memoranda: | ||
| Average total assets | $700,904,330 | 1,073 |
| Average earning assets | $671,925,670 | 1,041 |
| Average equity | $87,778,330 | 993 |
| Average total loans | $489,638,330 | 1,100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 1,082 |
| Cost of funding earning assets | 0.3363% | 4,720 |
| Net interest margin | 4.7730% | 428 |
| Noninterest income to average assets | 1.2117% | 554 |
| Noninterest expense to average assets | 2.9146% | 2,237 |
| Loan and lease loss provision to assets | 0.2476% | 590 |
| Net operating income to assets | 1.9201% | 444 |
| Return on assets (ROA) | 1.9201% | 459 |
| Pretax return on assets | 2.6390% | 198 |
| Return on Equity (ROE) | 15.4444% | 674 |
| Retained earnings to average equity (ytd only) | 15.4444% | 249 |
| Net charge-offs to loans | 0.0042% | 2,564 |
| Credit loss provision to net charge-offs | 8,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 991.0000% | 54 |
| Efficiency ratio | 50.2410% | 4,808 |
| Assets per employee ($millions) | 9.1684% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 67.3974% | 2,839 |
| Net loans and leases to deposits | 77.9053% | 3,071 |
| Net loans and leases to core deposits | 79.8784% | 3,384 |
| Total domestic deposits to total assets | 86.5120% | 2,061 |
| Equity capital to assets | 12.2682% | 1,862 |
| Core capital (leverage) ratio | 13.3750% | 1,127 |
| Tier 1 risk-based capital ratio | 16.8429% | 2,158 |
| Total risk-based capital ratio | 17.9927% | 2,142 |
| Memoranda: | ||
| Average total assets | $686,618,500 | 1,094 |
| Average earning assets | $660,210,500 | 1,062 |
| Average equity | $85,364,000 | 1,012 |
| Average total loans | $477,178,500 | 1,131 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 1,008 |
| Cost of funding earning assets | 0.2115% | 4,955 |
| Net interest margin | 4.8088% | 391 |
| Noninterest income to average assets | 1.3228% | 529 |
| Noninterest expense to average assets | 3.3737% | 1,192 |
| Loan and lease loss provision to assets | 0.2316% | 770 |
| Net operating income to assets | 1.7307% | 639 |
| Return on assets (ROA) | 1.7307% | 640 |
| Pretax return on assets | 2.3627% | 264 |
| Return on Equity (ROE) | 14.1822% | 1,003 |
| Retained earnings to average equity (ytd only) | 14.1822% | 156 |
| Net charge-offs to loans | 0.0025% | 3,652 |
| Credit loss provision to net charge-offs | 13,750.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,540.5000% | 70 |
| Efficiency ratio | 56.5297% | 4,340 |
| Assets per employee ($millions) | 8.8933% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.0038% | 2,558 |
| Net loans and leases to deposits | 80.4764% | 2,900 |
| Net loans and leases to core deposits | 82.6837% | 3,206 |
| Total domestic deposits to total assets | 86.9867% | 1,793 |
| Equity capital to assets | 12.6111% | 1,532 |
| Core capital (leverage) ratio | 13.2636% | 1,154 |
| Tier 1 risk-based capital ratio | 17.5392% | 1,889 |
| Total risk-based capital ratio | 18.6964% | 1,870 |
| Memoranda: | ||
| Average total assets | $593,803,200 | 1,213 |
| Average earning assets | $573,597,000 | 1,173 |
| Average equity | $72,464,000 | 1,121 |
| Average total loans | $401,555,600 | 1,257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 1,098 |
| Cost of funding earning assets | 0.1771% | 5,108 |
| Net interest margin | 4.7511% | 418 |
| Noninterest income to average assets | 1.3510% | 518 |
| Noninterest expense to average assets | 3.4578% | 1,039 |
| Loan and lease loss provision to assets | 0.2250% | 729 |
| Net operating income to assets | 1.6529% | 833 |
| Return on assets (ROA) | 1.6529% | 844 |
| Pretax return on assets | 2.2564% | 368 |
| Return on Equity (ROE) | 13.6745% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.6745% | 284 |
| Net charge-offs to loans | 0.0035% | 3,341 |
| Credit loss provision to net charge-offs | 9,750.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,075.4419% | 76 |
| Efficiency ratio | 58.2203% | 4,085 |
| Assets per employee ($millions) | 9.2742% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.3390% | 3,032 |
| Net loans and leases to deposits | 77.4481% | 3,285 |
| Net loans and leases to core deposits | 79.6358% | 3,528 |
| Total domestic deposits to total assets | 86.9473% | 1,754 |
| Equity capital to assets | 12.2940% | 1,702 |
| Core capital (leverage) ratio | 13.4001% | 1,142 |
| Tier 1 risk-based capital ratio | 17.7847% | 1,847 |
| Total risk-based capital ratio | 18.9196% | 1,836 |
| Memoranda: | ||
| Average total assets | $577,728,250 | 1,244 |
| Average earning assets | $557,921,750 | 1,208 |
| Average equity | $69,831,500 | 1,158 |
| Average total loans | $385,363,000 | 1,295 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 1,171 |
| Cost of funding earning assets | 0.1475% | 5,255 |
| Net interest margin | 4.6848% | 457 |
| Noninterest income to average assets | 1.4557% | 450 |
| Noninterest expense to average assets | 3.4765% | 1,028 |
| Loan and lease loss provision to assets | 0.1885% | 933 |
| Net operating income to assets | 1.6977% | 721 |
| Return on assets (ROA) | 1.6977% | 730 |
| Pretax return on assets | 2.3174% | 313 |
| Return on Equity (ROE) | 14.1378% | 1,044 |
| Retained earnings to average equity (ytd only) | 14.1378% | 267 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1118% | 4,211 |
| Assets per employee ($millions) | 9.4113% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 2,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.3040% | 3,096 |
| Net loans and leases to deposits | 75.9886% | 3,336 |
| Net loans and leases to core deposits | 76.0696% | 3,742 |
| Total domestic deposits to total assets | 87.2552% | 1,737 |
| Equity capital to assets | 12.1338% | 1,756 |
| Core capital (leverage) ratio | 12.8682% | 1,291 |
| Tier 1 risk-based capital ratio | 17.5280% | 1,936 |
| Total risk-based capital ratio | 18.6699% | 1,918 |
| Memoranda: | ||
| Average total assets | $556,996,670 | 1,277 |
| Average earning assets | $538,212,330 | 1,243 |
| Average equity | $66,884,670 | 1,202 |
| Average total loans | $368,435,000 | 1,342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 1,172 |
| Cost of funding earning assets | 0.1322% | 5,348 |
| Net interest margin | 4.6242% | 475 |
| Noninterest income to average assets | 1.5257% | 416 |
| Noninterest expense to average assets | 3.6017% | 871 |
| Loan and lease loss provision to assets | 0.1655% | 1,077 |
| Net operating income to assets | 1.6383% | 782 |
| Return on assets (ROA) | 1.6383% | 783 |
| Pretax return on assets | 2.2363% | 354 |
| Return on Equity (ROE) | 13.7201% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.7201% | 430 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9926% | 4,067 |
| Assets per employee ($millions) | 8.6705% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.9052% | 3,189 |
| Net loans and leases to deposits | 74.1900% | 3,396 |
| Net loans and leases to core deposits | 87.6694% | 2,661 |
| Total domestic deposits to total assets | 87.4852% | 1,906 |
| Equity capital to assets | 12.0584% | 1,744 |
| Core capital (leverage) ratio | 13.0037% | 1,180 |
| Tier 1 risk-based capital ratio | 17.6613% | 1,926 |
| Total risk-based capital ratio | 18.8101% | 1,914 |
| Memoranda: | ||
| Average total assets | $543,745,000 | 1,318 |
| Average earning assets | $526,539,000 | 1,276 |
| Average equity | $64,926,500 | 1,237 |
| Average total loans | $356,816,000 | 1,376 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 1,626 |
| Cost of funding earning assets | 0.1194% | 5,417 |
| Net interest margin | 4.4076% | 748 |
| Noninterest income to average assets | 1.1837% | 740 |
| Noninterest expense to average assets | 3.5514% | 955 |
| Loan and lease loss provision to assets | 0.1942% | 1,080 |
| Net operating income to assets | 0.8882% | 2,775 |
| Return on assets (ROA) | 0.8882% | 2,798 |
| Pretax return on assets | 1.6989% | 1,009 |
| Return on Equity (ROE) | 7.5988% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.5988% | 891 |
| Net charge-offs to loans | 0.0174% | 3,516 |
| Credit loss provision to net charge-offs | 1,675.9259% | 229 |
| Earnings coverage of net charge-offs (x) | 163.3704% | 450 |
| Efficiency ratio | 65.2294% | 3,401 |
| Assets per employee ($millions) | 8.5900% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.7252% | 3,267 |
| Net loans and leases to deposits | 73.6639% | 3,546 |
| Net loans and leases to core deposits | 83.9165% | 3,060 |
| Total domestic deposits to total assets | 87.8655% | 1,573 |
| Equity capital to assets | 11.8179% | 1,973 |
| Core capital (leverage) ratio | 12.8228% | 1,211 |
| Tier 1 risk-based capital ratio | 17.3154% | 1,991 |
| Total risk-based capital ratio | 18.4727% | 1,970 |
| Memoranda: | ||
| Average total assets | $466,014,400 | 1,491 |
| Average earning assets | $450,498,800 | 1,434 |
| Average equity | $54,469,200 | 1,419 |
| Average total loans | $310,840,000 | 1,527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,737 |
| Cost of funding earning assets | 0.1235% | 5,459 |
| Net interest margin | 4.3429% | 829 |
| Noninterest income to average assets | 1.1598% | 757 |
| Noninterest expense to average assets | 3.5548% | 914 |
| Loan and lease loss provision to assets | 0.2151% | 873 |
| Net operating income to assets | 0.9717% | 2,680 |
| Return on assets (ROA) | 0.9717% | 2,733 |
| Pretax return on assets | 1.5853% | 1,473 |
| Return on Equity (ROE) | 8.3408% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.3408% | 1,076 |
| Net charge-offs to loans | 0.0239% | 2,971 |
| Credit loss provision to net charge-offs | 1,342.5926% | 274 |
| Earnings coverage of net charge-offs (x) | 112.3675% | 646 |
| Efficiency ratio | 66.3804% | 3,151 |
| Assets per employee ($millions) | 7.8651% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.6545% | 2,894 |
| Net loans and leases to deposits | 78.3056% | 3,132 |
| Net loans and leases to core deposits | 89.4950% | 2,655 |
| Total domestic deposits to total assets | 86.3981% | 2,136 |
| Equity capital to assets | 13.0771% | 1,347 |
| Core capital (leverage) ratio | 13.6367% | 980 |
| Tier 1 risk-based capital ratio | 18.2234% | 1,799 |
| Total risk-based capital ratio | 19.4086% | 1,769 |
| Memoranda: | ||
| Average total assets | $449,372,750 | 1,556 |
| Average earning assets | $434,104,000 | 1,500 |
| Average equity | $52,351,500 | 1,481 |
| Average total loans | $301,305,500 | 1,572 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,036 |
| Cost of funding earning assets | 0.1286% | 5,456 |
| Net interest margin | 4.2008% | 1,075 |
| Noninterest income to average assets | 1.1675% | 745 |
| Noninterest expense to average assets | 3.5457% | 942 |
| Loan and lease loss provision to assets | 0.2049% | 883 |
| Net operating income to assets | 0.9079% | 2,875 |
| Return on assets (ROA) | 0.9079% | 2,922 |
| Pretax return on assets | 1.4762% | 1,733 |
| Return on Equity (ROE) | 8.1573% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.1573% | 1,099 |
| Net charge-offs to loans | 0.0274% | 2,663 |
| Credit loss provision to net charge-offs | 1,125.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 92.3000% | 688 |
| Efficiency ratio | 67.8369% | 3,042 |
| Assets per employee ($millions) | 7.8659% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.5452% | 3,027 |
| Net loans and leases to deposits | 75.4556% | 3,413 |
| Net loans and leases to core deposits | 87.3650% | 2,761 |
| Total domestic deposits to total assets | 88.1911% | 1,357 |
| Equity capital to assets | 11.2785% | 2,514 |
| Core capital (leverage) ratio | 11.9467% | 1,663 |
| Tier 1 risk-based capital ratio | 15.6318% | 2,651 |
| Total risk-based capital ratio | 16.7917% | 2,624 |
| Memoranda: | ||
| Average total assets | $439,240,330 | 1,595 |
| Average earning assets | $424,446,330 | 1,536 |
| Average equity | $48,888,670 | 1,562 |
| Average total loans | $292,184,000 | 1,609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2558% | 2,084 |
| Cost of funding earning assets | 0.1316% | 5,478 |
| Net interest margin | 4.1242% | 1,162 |
| Noninterest income to average assets | 1.1181% | 796 |
| Noninterest expense to average assets | 3.5547% | 966 |
| Loan and lease loss provision to assets | 0.1393% | 1,362 |
| Net operating income to assets | 0.8683% | 2,910 |
| Return on assets (ROA) | 0.8683% | 2,964 |
| Pretax return on assets | 1.4124% | 1,845 |
| Return on Equity (ROE) | 7.8562% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.8562% | 1,519 |
| Net charge-offs to loans | 0.0562% | 1,768 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 41.7750% | 1,009 |
| Efficiency ratio | 69.6127% | 2,952 |
| Assets per employee ($millions) | 8.7465% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.6339% | 3,032 |
| Net loans and leases to deposits | 74.0161% | 3,400 |
| Net loans and leases to core deposits | 85.9313% | 2,721 |
| Total domestic deposits to total assets | 88.6752% | 1,336 |
| Equity capital to assets | 11.0047% | 2,626 |
| Core capital (leverage) ratio | 11.6023% | 1,877 |
| Tier 1 risk-based capital ratio | 15.4644% | 2,769 |
| Total risk-based capital ratio | 16.5929% | 2,749 |
| Memoranda: | ||
| Average total assets | $430,748,500 | 1,632 |
| Average earning assets | $416,562,500 | 1,567 |
| Average equity | $47,605,500 | 1,599 |
| Average total loans | $284,567,000 | 1,648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 1,994 |
| Cost of funding earning assets | 0.1382% | 5,497 |
| Net interest margin | 4.2070% | 1,100 |
| Noninterest income to average assets | 1.0733% | 981 |
| Noninterest expense to average assets | 3.6424% | 958 |
| Loan and lease loss provision to assets | 0.1550% | 1,609 |
| Net operating income to assets | 0.8180% | 3,219 |
| Return on assets (ROA) | 0.8190% | 3,319 |
| Pretax return on assets | 1.3313% | 2,174 |
| Return on Equity (ROE) | 7.2528% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.2528% | 1,132 |
| Net charge-offs to loans | -0.0075% | 4,876 |
| Credit loss provision to net charge-offs | -3,131.5789% | 5,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0409% | 2,739 |
| Assets per employee ($millions) | 8.1572% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 64.8709% | 3,238 |
| Net loans and leases to deposits | 73.3263% | 3,581 |
| Net loans and leases to core deposits | 84.7640% | 2,949 |
| Total domestic deposits to total assets | 88.4689% | 1,392 |
| Equity capital to assets | 11.1004% | 2,540 |
| Core capital (leverage) ratio | 11.6344% | 1,837 |
| Tier 1 risk-based capital ratio | 16.0934% | 2,506 |
| Total risk-based capital ratio | 17.2487% | 2,480 |
| Memoranda: | ||
| Average total assets | $383,760,800 | 1,749 |
| Average earning assets | $369,790,200 | 1,683 |
| Average equity | $43,335,200 | 1,711 |
| Average total loans | $252,020,800 | 1,781 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,092 |
| Cost of funding earning assets | 0.1383% | 5,557 |
| Net interest margin | 4.1885% | 1,150 |
| Noninterest income to average assets | 1.1044% | 931 |
| Noninterest expense to average assets | 3.6203% | 970 |
| Loan and lease loss provision to assets | 0.1624% | 1,424 |
| Net operating income to assets | 0.8300% | 3,234 |
| Return on assets (ROA) | 0.8314% | 3,359 |
| Pretax return on assets | 1.3552% | 2,216 |
| Return on Equity (ROE) | 7.3273% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.3273% | 1,470 |
| Net charge-offs to loans | -0.0103% | 4,778 |
| Credit loss provision to net charge-offs | -2,394.7368% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4926% | 2,823 |
| Assets per employee ($millions) | 8.4757% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 64.9507% | 3,275 |
| Net loans and leases to deposits | 73.1010% | 3,687 |
| Net loans and leases to core deposits | 84.4496% | 3,083 |
| Total domestic deposits to total assets | 88.8505% | 988 |
| Equity capital to assets | 10.7756% | 3,273 |
| Core capital (leverage) ratio | 11.1730% | 2,292 |
| Tier 1 risk-based capital ratio | 14.8636% | 3,118 |
| Total risk-based capital ratio | 16.0077% | 3,104 |
| Memoranda: | ||
| Average total assets | $373,657,750 | 1,793 |
| Average earning assets | $359,646,250 | 1,725 |
| Average equity | $42,397,750 | 1,755 |
| Average total loans | $245,381,500 | 1,822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 1,979 |
| Cost of funding earning assets | 0.1334% | 5,660 |
| Net interest margin | 4.2185% | 1,080 |
| Noninterest income to average assets | 1.1213% | 892 |
| Noninterest expense to average assets | 3.6895% | 894 |
| Loan and lease loss provision to assets | 0.1517% | 1,511 |
| Net operating income to assets | 0.8197% | 3,217 |
| Return on assets (ROA) | 0.8218% | 3,345 |
| Pretax return on assets | 1.3475% | 2,216 |
| Return on Equity (ROE) | 7.1092% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.1092% | 1,549 |
| Net charge-offs to loans | -0.0218% | 4,982 |
| Credit loss provision to net charge-offs | -1,057.6923% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1520% | 2,794 |
| Assets per employee ($millions) | 8.2346% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 3,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 64.6283% | 3,277 |
| Net loans and leases to deposits | 73.1429% | 3,690 |
| Net loans and leases to core deposits | 82.2685% | 3,242 |
| Total domestic deposits to total assets | 88.3590% | 1,241 |
| Equity capital to assets | 11.1667% | 2,886 |
| Core capital (leverage) ratio | 11.5883% | 1,922 |
| Tier 1 risk-based capital ratio | 15.3033% | 2,938 |
| Total risk-based capital ratio | 16.4512% | 2,918 |
| Memoranda: | ||
| Average total assets | $362,598,670 | 1,850 |
| Average earning assets | $349,319,000 | 1,776 |
| Average equity | $41,917,330 | 1,768 |
| Average total loans | $238,003,670 | 1,867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 1,745 |
| Cost of funding earning assets | 0.1362% | 5,707 |
| Net interest margin | 4.2838% | 953 |
| Noninterest income to average assets | 1.1359% | 850 |
| Noninterest expense to average assets | 3.7582% | 830 |
| Loan and lease loss provision to assets | 0.1655% | 1,249 |
| Net operating income to assets | 0.8187% | 3,156 |
| Return on assets (ROA) | 0.8231% | 3,255 |
| Pretax return on assets | 1.3494% | 2,094 |
| Return on Equity (ROE) | 6.9886% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.9886% | 1,891 |
| Net charge-offs to loans | -0.0434% | 5,266 |
| Credit loss provision to net charge-offs | -580.0000% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3635% | 2,892 |
| Assets per employee ($millions) | 7.6030% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.7052% | 2,859 |
| Net loans and leases to deposits | 76.2458% | 3,193 |
| Net loans and leases to core deposits | 84.8969% | 2,854 |
| Total domestic deposits to total assets | 87.4870% | 1,932 |
| Equity capital to assets | 12.0493% | 1,994 |
| Core capital (leverage) ratio | 11.6281% | 1,888 |
| Tier 1 risk-based capital ratio | 15.6762% | 2,832 |
| Total risk-based capital ratio | 16.8380% | 2,798 |
| Memoranda: | ||
| Average total assets | $350,384,500 | 1,912 |
| Average earning assets | $337,832,000 | 1,839 |
| Average equity | $41,267,000 | 1,790 |
| Average total loans | $230,391,000 | 1,914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,803 |
| Cost of funding earning assets | 0.1421% | 5,736 |
| Net interest margin | 3.7288% | 2,651 |
| Noninterest income to average assets | 0.8794% | 1,505 |
| Noninterest expense to average assets | 3.4756% | 1,342 |
| Loan and lease loss provision to assets | 0.2779% | 659 |
| Net operating income to assets | 0.4479% | 4,887 |
| Return on assets (ROA) | 0.4479% | 4,970 |
| Pretax return on assets | 0.7100% | 4,505 |
| Return on Equity (ROE) | 3.9802% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.9802% | 3,198 |
| Net charge-offs to loans | 0.1526% | 1,845 |
| Credit loss provision to net charge-offs | 314.1892% | 947 |
| Earnings coverage of net charge-offs (x) | 11.1689% | 2,611 |
| Efficiency ratio | 77.8670% | 1,988 |
| Assets per employee ($millions) | 8.1635% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 3,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.1627% | 3,388 |
| Net loans and leases to deposits | 71.7202% | 3,746 |
| Net loans and leases to core deposits | 75.2933% | 3,820 |
| Total domestic deposits to total assets | 88.0683% | 1,594 |
| Equity capital to assets | 11.5070% | 2,353 |
| Core capital (leverage) ratio | 11.5677% | 1,909 |
| Tier 1 risk-based capital ratio | 15.4551% | 2,950 |
| Total risk-based capital ratio | 16.6078% | 2,943 |
| Memoranda: | ||
| Average total assets | $334,646,000 | 1,966 |
| Average earning assets | $321,658,200 | 1,884 |
| Average equity | $37,661,000 | 1,899 |
| Average total loans | $193,936,200 | 2,132 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 4,189 |
| Cost of funding earning assets | 0.1462% | 5,811 |
| Net interest margin | 3.6213% | 3,075 |
| Noninterest income to average assets | 0.8446% | 1,635 |
| Noninterest expense to average assets | 3.4794% | 1,324 |
| Loan and lease loss provision to assets | 0.2723% | 592 |
| Net operating income to assets | 0.3513% | 5,312 |
| Return on assets (ROA) | 0.3513% | 5,396 |
| Pretax return on assets | 0.5703% | 5,047 |
| Return on Equity (ROE) | 3.1405% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.1405% | 4,223 |
| Net charge-offs to loans | 0.2119% | 1,229 |
| Credit loss provision to net charge-offs | 228.0405% | 1,213 |
| Earnings coverage of net charge-offs (x) | 7.0574% | 2,961 |
| Efficiency ratio | 80.5040% | 1,581 |
| Assets per employee ($millions) | 7.6470% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.3993% | 3,678 |
| Net loans and leases to deposits | 69.8618% | 4,002 |
| Net loans and leases to core deposits | 71.0085% | 4,281 |
| Total domestic deposits to total assets | 87.8868% | 1,620 |
| Equity capital to assets | 11.7054% | 2,345 |
| Core capital (leverage) ratio | 10.8540% | 2,643 |
| Tier 1 risk-based capital ratio | 16.1035% | 2,754 |
| Total risk-based capital ratio | 17.2492% | 2,740 |
| Memoranda: | ||
| Average total assets | $330,550,000 | 2,000 |
| Average earning assets | $317,407,000 | 1,921 |
| Average equity | $36,978,000 | 1,944 |
| Average total loans | $186,290,500 | 2,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,769 |
| Cost of funding earning assets | 0.1493% | 5,850 |
| Net interest margin | 3.4332% | 3,780 |
| Noninterest income to average assets | 0.6994% | 2,217 |
| Noninterest expense to average assets | 3.3160% | 1,654 |
| Loan and lease loss provision to assets | 0.1963% | 1,011 |
| Net operating income to assets | 0.3201% | 5,386 |
| Return on assets (ROA) | 0.3201% | 5,475 |
| Pretax return on assets | 0.4796% | 5,279 |
| Return on Equity (ROE) | 2.9062% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.9062% | 4,191 |
| Net charge-offs to loans | 0.1664% | 1,469 |
| Credit loss provision to net charge-offs | 216.6667% | 1,151 |
| Earnings coverage of net charge-offs (x) | 7.4600% | 2,665 |
| Efficiency ratio | 83.0685% | 1,359 |
| Assets per employee ($millions) | 7.7725% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 3,582 |
| Loan loss allowance to noncurrent loans | 1,225.1309% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,633 |
| Noncurrent loans to loans | 0.1009% | 5,339 |
| Net loans and leases to total assets | 55.9177% | 4,347 |
| Net loans and leases to deposits | 63.0500% | 4,614 |
| Net loans and leases to core deposits | 66.6896% | 4,598 |
| Total domestic deposits to total assets | 88.6879% | 1,306 |
| Equity capital to assets | 10.9432% | 2,942 |
| Core capital (leverage) ratio | 10.2387% | 3,293 |
| Tier 1 risk-based capital ratio | 16.1266% | 2,794 |
| Total risk-based capital ratio | 17.2456% | 2,819 |
| Memoranda: | ||
| Average total assets | $331,125,670 | 2,008 |
| Average earning assets | $317,544,330 | 1,932 |
| Average equity | $36,474,000 | 1,972 |
| Average total loans | $180,241,000 | 2,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,832 |
| Cost of funding earning assets | 0.1537% | 5,903 |
| Net interest margin | 3.3952% | 3,861 |
| Noninterest income to average assets | 0.6141% | 2,580 |
| Noninterest expense to average assets | 3.3291% | 1,650 |
| Loan and lease loss provision to assets | 0.1214% | 1,709 |
| Net operating income to assets | 0.2464% | 5,573 |
| Return on assets (ROA) | 0.2464% | 5,662 |
| Pretax return on assets | 0.4066% | 5,422 |
| Return on Equity (ROE) | 2.2293% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.2293% | 4,569 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3121% | 1,151 |
| Assets per employee ($millions) | 8.0051% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 3,599 |
| Loan loss allowance to noncurrent loans | 765.2027% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,577 |
| Noncurrent loans to loans | 0.1655% | 5,176 |
| Net loans and leases to total assets | 53.7928% | 4,470 |
| Net loans and leases to deposits | 60.8109% | 4,681 |
| Net loans and leases to core deposits | 67.2397% | 4,407 |
| Total domestic deposits to total assets | 88.4593% | 1,563 |
| Equity capital to assets | 11.2032% | 2,751 |
| Core capital (leverage) ratio | 10.7243% | 2,720 |
| Tier 1 risk-based capital ratio | 16.8106% | 2,553 |
| Total risk-based capital ratio | 17.9556% | 2,544 |
| Memoranda: | ||
| Average total assets | $329,579,500 | 2,025 |
| Average earning assets | $314,798,000 | 1,960 |
| Average equity | $36,424,000 | 1,987 |
| Average total loans | $175,748,000 | 2,305 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,651 |
| Cost of funding earning assets | 0.1752% | 5,939 |
| Net interest margin | 3.8447% | 2,446 |
| Noninterest income to average assets | 0.5715% | 3,040 |
| Noninterest expense to average assets | 3.7847% | 1,006 |
| Loan and lease loss provision to assets | 0.1062% | 2,378 |
| Net operating income to assets | 0.1141% | 5,934 |
| Return on assets (ROA) | 0.1483% | 5,924 |
| Pretax return on assets | 0.3602% | 5,588 |
| Return on Equity (ROE) | 1.3419% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.3419% | 5,174 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2566% | 972 |
| Assets per employee ($millions) | 7.8797% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.5223% | 4,830 |
| Net loans and leases to deposits | 58.0830% | 5,057 |
| Net loans and leases to core deposits | 63.4282% | 4,877 |
| Total domestic deposits to total assets | 88.7046% | 1,411 |
| Equity capital to assets | 10.9014% | 3,010 |
| Core capital (leverage) ratio | 10.0554% | 3,490 |
| Tier 1 risk-based capital ratio | 17.3951% | 2,356 |
| Total risk-based capital ratio | 18.5376% | 2,346 |
| Memoranda: | ||
| Average total assets | $282,583,800 | 2,256 |
| Average earning assets | $266,520,400 | 2,227 |
| Average equity | $31,225,000 | 2,207 |
| Average total loans | $153,594,800 | 2,519 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,421 |
| Cost of funding earning assets | 0.1828% | 5,971 |
| Net interest margin | 3.9072% | 2,206 |
| Noninterest income to average assets | 0.5540% | 3,178 |
| Noninterest expense to average assets | 3.8842% | 868 |
| Loan and lease loss provision to assets | 0.0616% | 3,124 |
| Net operating income to assets | 0.1567% | 5,934 |
| Return on assets (ROA) | 0.1567% | 5,967 |
| Pretax return on assets | 0.2948% | 5,786 |
| Return on Equity (ROE) | 1.4127% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4127% | 5,334 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4448% | 740 |
| Assets per employee ($millions) | 7.0228% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 3,706 |
| Loan loss allowance to noncurrent loans | 396.4143% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 5,512 |
| Noncurrent loans to loans | 0.3249% | 4,934 |
| Net loans and leases to total assets | 51.7099% | 4,835 |
| Net loans and leases to deposits | 58.1798% | 5,090 |
| Net loans and leases to core deposits | 65.7296% | 4,735 |
| Total domestic deposits to total assets | 88.8795% | 1,312 |
| Equity capital to assets | 10.7022% | 3,300 |
| Core capital (leverage) ratio | 9.5957% | 4,252 |
| Tier 1 risk-based capital ratio | 17.5335% | 2,385 |
| Total risk-based capital ratio | 18.7816% | 2,343 |
| Memoranda: | ||
| Average total assets | $270,492,750 | 2,372 |
| Average earning assets | $255,217,750 | 2,318 |
| Average equity | $30,011,750 | 2,284 |
| Average total loans | $148,824,250 | 2,597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 3,380 |
| Cost of funding earning assets | 0.1894% | 6,005 |
| Net interest margin | 3.9034% | 2,149 |
| Noninterest income to average assets | 0.5466% | 3,155 |
| Noninterest expense to average assets | 3.9811% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1288% | 5,991 |
| Return on assets (ROA) | 0.1288% | 6,030 |
| Pretax return on assets | 0.2424% | 5,888 |
| Return on Equity (ROE) | 1.1460% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.1460% | 5,296 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0253% | 634 |
| Assets per employee ($millions) | 7.1547% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 3,920 |
| Loan loss allowance to noncurrent loans | 366.4047% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,589 |
| Noncurrent loans to loans | 0.3514% | 4,945 |
| Net loans and leases to total assets | 51.2423% | 4,830 |
| Net loans and leases to deposits | 57.8176% | 5,059 |
| Net loans and leases to core deposits | 67.9315% | 4,479 |
| Total domestic deposits to total assets | 88.6275% | 1,573 |
| Equity capital to assets | 10.9489% | 2,926 |
| Core capital (leverage) ratio | 9.6951% | 4,054 |
| Tier 1 risk-based capital ratio | 17.7632% | 2,322 |
| Total risk-based capital ratio | 19.0051% | 2,297 |
| Memoranda: | ||
| Average total assets | $262,337,330 | 2,438 |
| Average earning assets | $247,116,000 | 2,384 |
| Average equity | $29,493,330 | 2,298 |
| Average total loans | $146,928,000 | 2,628 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 2,757 |
| Cost of funding earning assets | 0.1845% | 6,120 |
| Net interest margin | 4.0483% | 1,609 |
| Noninterest income to average assets | 0.5355% | 3,145 |
| Noninterest expense to average assets | 4.0884% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1323% | 5,964 |
| Return on assets (ROA) | 0.1323% | 5,999 |
| Pretax return on assets | 0.2488% | 5,831 |
| Return on Equity (ROE) | 1.1600% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.1600% | 5,141 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0450% | 748 |
| Assets per employee ($millions) | 7.1127% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 4,277 |
| Loan loss allowance to noncurrent loans | 215.8565% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 5,190 |
| Noncurrent loans to loans | 0.5887% | 4,395 |
| Net loans and leases to total assets | 53.6066% | 4,473 |
| Net loans and leases to deposits | 60.4598% | 4,716 |
| Net loans and leases to core deposits | 71.5146% | 3,921 |
| Total domestic deposits to total assets | 88.6649% | 1,854 |
| Equity capital to assets | 10.9962% | 2,712 |
| Core capital (leverage) ratio | 9.8590% | 3,778 |
| Tier 1 risk-based capital ratio | 17.5963% | 2,451 |
| Total risk-based capital ratio | 18.8435% | 2,421 |
| Memoranda: | ||
| Average total assets | $253,989,500 | 2,516 |
| Average earning assets | $238,522,500 | 2,461 |
| Average equity | $28,964,500 | 2,329 |
| Average total loans | $147,968,000 | 2,615 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,649 |
| Cost of funding earning assets | 0.2198% | 6,179 |
| Net interest margin | 4.4512% | 819 |
| Noninterest income to average assets | 0.3292% | 4,981 |
| Noninterest expense to average assets | 4.2165% | 689 |
| Loan and lease loss provision to assets | 0.0261% | 4,607 |
| Net operating income to assets | 2.4954% | 167 |
| Return on assets (ROA) | 2.6987% | 142 |
| Pretax return on assets | 0.5546% | 5,032 |
| Return on Equity (ROE) | 26.1812% | 110 |
| Retained earnings to average equity (ytd only) | 26.1812% | 43 |
| Net charge-offs to loans | 0.0371% | 4,709 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 17.3800% | 1,722 |
| Efficiency ratio | 91.5485% | 905 |
| Assets per employee ($millions) | 6.7913% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 4,387 |
| Loan loss allowance to noncurrent loans | 294.6288% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 5,462 |
| Noncurrent loans to loans | 0.4243% | 4,931 |
| Net loans and leases to total assets | 61.9769% | 3,365 |
| Net loans and leases to deposits | 70.7512% | 3,688 |
| Net loans and leases to core deposits | 74.4268% | 3,789 |
| Total domestic deposits to total assets | 87.5984% | 2,422 |
| Equity capital to assets | 11.8673% | 1,892 |
| Core capital (leverage) ratio | 10.6600% | 2,719 |
| Tier 1 risk-based capital ratio | 17.1505% | 2,539 |
| Total risk-based capital ratio | 18.4006% | 2,515 |
| Memoranda: | ||
| Average total assets | $230,260,600 | 2,717 |
| Average earning assets | $220,616,200 | 2,610 |
| Average equity | $23,734,600 | 2,750 |
| Average total loans | $134,950,400 | 2,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 1,899 |
| Cost of funding earning assets | 0.2241% | 6,272 |
| Net interest margin | 4.3765% | 939 |
| Noninterest income to average assets | 0.2685% | 5,533 |
| Noninterest expense to average assets | 4.1400% | 729 |
| Loan and lease loss provision to assets | 0.0350% | 4,316 |
| Net operating income to assets | 0.3123% | 5,576 |
| Return on assets (ROA) | 0.5855% | 4,538 |
| Pretax return on assets | 0.5855% | 5,074 |
| Return on Equity (ROE) | 5.9130% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.9130% | 2,472 |
| Net charge-offs to loans | 0.0507% | 4,181 |
| Credit loss provision to net charge-offs | 120.0000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 11.8991% | 2,192 |
| Efficiency ratio | 92.0125% | 854 |
| Assets per employee ($millions) | 7.3592% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 4,477 |
| Loan loss allowance to noncurrent loans | 116.4897% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 4,460 |
| Noncurrent loans to loans | 1.1020% | 3,590 |
| Net loans and leases to total assets | 59.0556% | 3,847 |
| Net loans and leases to deposits | 65.3899% | 4,369 |
| Net loans and leases to core deposits | 72.7886% | 3,996 |
| Total domestic deposits to total assets | 90.3131% | 835 |
| Equity capital to assets | 9.2018% | 4,936 |
| Core capital (leverage) ratio | 9.8916% | 3,828 |
| Tier 1 risk-based capital ratio | 16.9467% | 2,731 |
| Total risk-based capital ratio | 18.1978% | 2,692 |
| Memoranda: | ||
| Average total assets | $228,402,000 | 2,757 |
| Average earning assets | $220,170,750 | 2,629 |
| Average equity | $22,616,250 | 2,893 |
| Average total loans | $131,392,750 | 2,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6339% | 1,746 |
| Cost of funding earning assets | 0.2316% | 6,294 |
| Net interest margin | 4.4023% | 840 |
| Noninterest income to average assets | 0.2111% | 5,932 |
| Noninterest expense to average assets | 4.1595% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3032% | 5,593 |
| Return on assets (ROA) | 0.5895% | 4,527 |
| Pretax return on assets | 0.5895% | 5,052 |
| Return on Equity (ROE) | 5.8046% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.8046% | 2,554 |
| Net charge-offs to loans | 0.0789% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.7800% | 2,657 |
| Efficiency ratio | 92.9445% | 824 |
| Assets per employee ($millions) | 6.6874% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,860 |
| Loan loss allowance to noncurrent loans | 7,847.8261% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,527 |
| Noncurrent loans to loans | 0.0183% | 6,363 |
| Net loans and leases to total assets | 54.4531% | 4,524 |
| Net loans and leases to deposits | 61.9588% | 4,751 |
| Net loans and leases to core deposits | 66.9973% | 4,593 |
| Total domestic deposits to total assets | 87.8859% | 2,324 |
| Equity capital to assets | 9.3367% | 4,804 |
| Core capital (leverage) ratio | 9.9808% | 3,556 |
| Tier 1 risk-based capital ratio | 17.7828% | 2,399 |
| Total risk-based capital ratio | 19.0346% | 2,367 |
| Memoranda: | ||
| Average total assets | $223,584,670 | 2,808 |
| Average earning assets | $215,931,330 | 2,684 |
| Average equity | $22,706,000 | 2,899 |
| Average total loans | $126,762,330 | 2,941 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,105 |
| Cost of funding earning assets | 0.2442% | 6,325 |
| Net interest margin | 4.2737% | 1,018 |
| Noninterest income to average assets | 0.1949% | 6,081 |
| Noninterest expense to average assets | 4.0633% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2688% | 5,667 |
| Return on assets (ROA) | 0.6243% | 4,257 |
| Pretax return on assets | 0.6243% | 4,860 |
| Return on Equity (ROE) | 5.9033% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,734 |
| Net charge-offs to loans | 0.0377% | 3,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.4167% | 1,598 |
| Efficiency ratio | 93.5444% | 868 |
| Assets per employee ($millions) | 6.7012% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 3,984 |
| Loan loss allowance to noncurrent loans | 642.1603% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,181 |
| Noncurrent loans to loans | 0.2270% | 5,848 |
| Net loans and leases to total assets | 56.3320% | 4,039 |
| Net loans and leases to deposits | 65.2962% | 4,150 |
| Net loans and leases to core deposits | 70.6247% | 3,988 |
| Total domestic deposits to total assets | 86.2715% | 3,372 |
| Equity capital to assets | 10.8977% | 3,082 |
| Core capital (leverage) ratio | 10.2634% | 3,057 |
| Tier 1 risk-based capital ratio | 17.5416% | 2,541 |
| Total risk-based capital ratio | 18.7940% | 2,508 |
| Memoranda: | ||
| Average total assets | $221,691,000 | 2,855 |
| Average earning assets | $214,615,500 | 2,719 |
| Average equity | $23,444,500 | 2,862 |
| Average total loans | $127,335,500 | 2,946 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 4,657 |
| Cost of funding earning assets | 0.2706% | 6,588 |
| Net interest margin | 3.9110% | 2,783 |
| Noninterest income to average assets | 0.1246% | 6,411 |
| Noninterest expense to average assets | 4.3133% | 673 |
| Loan and lease loss provision to assets | 0.5624% | 1,010 |
| Net operating income to assets | -0.9689% | 6,734 |
| Return on assets (ROA) | -0.9469% | 6,745 |
| Pretax return on assets | -0.9469% | 6,723 |
| Return on Equity (ROE) | -9.8465% | 6,716 |
| Retained earnings to average equity (ytd only) | -9.8465% | 6,629 |
| Net charge-offs to loans | 0.0644% | 5,048 |
| Credit loss provision to net charge-offs | 1,792.8571% | 132 |
| Earnings coverage of net charge-offs (x) | -12.9571% | 5,951 |
| Efficiency ratio | 110.1170% | 333 |
| Assets per employee ($millions) | 6.1734% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 3,959 |
| Loan loss allowance to noncurrent loans | 702.6515% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 6,273 |
| Noncurrent loans to loans | 0.2058% | 5,959 |
| Net loans and leases to total assets | 56.8751% | 4,135 |
| Net loans and leases to deposits | 63.9500% | 4,538 |
| Net loans and leases to core deposits | 68.5598% | 4,471 |
| Total domestic deposits to total assets | 88.9369% | 1,606 |
| Equity capital to assets | 10.2545% | 3,819 |
| Core capital (leverage) ratio | 9.3960% | 4,260 |
| Tier 1 risk-based capital ratio | 15.9553% | 3,186 |
| Total risk-based capital ratio | 17.2073% | 3,146 |
| Memoranda: | ||
| Average total assets | $223,146,600 | 2,808 |
| Average earning assets | $215,799,600 | 2,663 |
| Average equity | $21,459,400 | 3,046 |
| Average total loans | $108,749,800 | 3,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 5,147 |
| Cost of funding earning assets | 0.2716% | 6,727 |
| Net interest margin | 3.8407% | 3,158 |
| Noninterest income to average assets | 0.1098% | 6,588 |
| Noninterest expense to average assets | 4.1401% | 786 |
| Loan and lease loss provision to assets | 0.6596% | 792 |
| Net operating income to assets | -0.9765% | 6,855 |
| Return on assets (ROA) | -0.9473% | 6,873 |
| Pretax return on assets | -0.9473% | 6,848 |
| Return on Equity (ROE) | -10.0155% | 6,861 |
| Retained earnings to average equity (ytd only) | -10.0155% | 6,815 |
| Net charge-offs to loans | 0.0898% | 4,479 |
| Credit loss provision to net charge-offs | 1,578.5714% | 175 |
| Earnings coverage of net charge-offs (x) | -7.5858% | 5,733 |
| Efficiency ratio | 107.9938% | 341 |
| Assets per employee ($millions) | 6.3410% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,112 |
| Loan loss allowance to noncurrent loans | 645.8333% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 6,421 |
| Noncurrent loans to loans | 0.2260% | 6,044 |
| Net loans and leases to total assets | 51.8663% | 5,071 |
| Net loans and leases to deposits | 58.2538% | 5,404 |
| Net loans and leases to core deposits | 65.2270% | 5,031 |
| Total domestic deposits to total assets | 89.0351% | 1,407 |
| Equity capital to assets | 10.3372% | 4,033 |
| Core capital (leverage) ratio | 9.3000% | 4,586 |
| Tier 1 risk-based capital ratio | 17.4798% | 2,547 |
| Total risk-based capital ratio | 18.7323% | 2,513 |
| Memoranda: | ||
| Average total assets | $223,372,500 | 2,819 |
| Average earning assets | $215,964,750 | 2,685 |
| Average equity | $21,126,750 | 3,108 |
| Average total loans | $103,873,250 | 3,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0185% | 5,595 |
| Cost of funding earning assets | 0.2707% | 6,836 |
| Net interest margin | 3.7478% | 3,602 |
| Noninterest income to average assets | 0.0938% | 6,700 |
| Noninterest expense to average assets | 4.2046% | 725 |
| Loan and lease loss provision to assets | 0.9873% | 451 |
| Net operating income to assets | -1.4742% | 7,013 |
| Return on assets (ROA) | -1.4251% | 7,023 |
| Pretax return on assets | -1.4251% | 6,994 |
| Return on Equity (ROE) | -15.5445% | 6,984 |
| Retained earnings to average equity (ytd only) | -15.5445% | 6,948 |
| Net charge-offs to loans | 0.1406% | 3,795 |
| Credit loss provision to net charge-offs | 1,578.5714% | 207 |
| Earnings coverage of net charge-offs (x) | -7.7857% | 5,458 |
| Efficiency ratio | 112.8094% | 297 |
| Assets per employee ($millions) | 6.8091% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,074 |
| Loan loss allowance to noncurrent loans | 645.8333% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 6,506 |
| Noncurrent loans to loans | 0.2302% | 6,116 |
| Net loans and leases to total assets | 48.8026% | 5,520 |
| Net loans and leases to deposits | 54.0943% | 5,857 |
| Net loans and leases to core deposits | 62.1240% | 5,376 |
| Total domestic deposits to total assets | 90.2177% | 802 |
| Equity capital to assets | 8.9556% | 5,749 |
| Core capital (leverage) ratio | 8.1249% | 6,130 |
| Tier 1 risk-based capital ratio | 15.7111% | 3,323 |
| Total risk-based capital ratio | 16.9636% | 3,288 |
| Memoranda: | ||
| Average total assets | $223,851,330 | 2,830 |
| Average earning assets | $216,449,670 | 2,685 |
| Average equity | $20,521,670 | 3,164 |
| Average total loans | $99,559,330 | 3,585 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 6,079 |
| Cost of funding earning assets | 0.2763% | 6,920 |
| Net interest margin | 3.5990% | 4,278 |
| Noninterest income to average assets | 0.1000% | 6,748 |
| Noninterest expense to average assets | 4.2978% | 665 |
| Loan and lease loss provision to assets | 0.7363% | 690 |
| Net operating income to assets | -1.4526% | 7,080 |
| Return on assets (ROA) | -1.3526% | 7,078 |
| Pretax return on assets | -1.3526% | 7,056 |
| Return on Equity (ROE) | -14.5768% | 7,061 |
| Retained earnings to average equity (ytd only) | -14.5768% | 6,964 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6954% | 222 |
| Assets per employee ($millions) | 6.4649% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,305 |
| Loan loss allowance to noncurrent loans | 270.1005% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 6,447 |
| Noncurrent loans to loans | 0.3646% | 5,942 |
| Net loans and leases to total assets | 47.7715% | 5,588 |
| Net loans and leases to deposits | 53.0091% | 5,901 |
| Net loans and leases to core deposits | 64.1462% | 5,097 |
| Total domestic deposits to total assets | 90.1195% | 1,016 |
| Equity capital to assets | 9.2486% | 5,161 |
| Core capital (leverage) ratio | 8.5644% | 5,489 |
| Tier 1 risk-based capital ratio | 16.7302% | 2,791 |
| Total risk-based capital ratio | 17.6652% | 2,912 |
| Memoranda: | ||
| Average total assets | $220,022,000 | 2,892 |
| Average earning assets | $212,837,000 | 2,738 |
| Average equity | $20,416,000 | 3,177 |
| Average total loans | $91,995,000 | 3,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 6,881 |
| Cost of funding earning assets | 0.4024% | 6,881 |
| Net interest margin | 3.2667% | 5,913 |
| Noninterest income to average assets | 0.0632% | 6,781 |
| Noninterest expense to average assets | 3.9239% | 1,149 |
| Loan and lease loss provision to assets | 0.1723% | 4,476 |
| Net operating income to assets | -0.8642% | 6,680 |
| Return on assets (ROA) | -0.2431% | 6,357 |
| Pretax return on assets | -0.2431% | 6,315 |
| Return on Equity (ROE) | -2.7263% | 6,384 |
| Retained earnings to average equity (ytd only) | -2.9909% | 6,269 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8084% | 314 |
| Assets per employee ($millions) | 5.9381% | 1,280 |
| Cash dividends to net income (ytd only)* | -9.7087% | 7,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 6,544 |
| Loan loss allowance to noncurrent loans | 139.5833% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 6,399 |
| Noncurrent loans to loans | 0.6415% | 5,428 |
| Net loans and leases to total assets | 34.6871% | 6,837 |
| Net loans and leases to deposits | 38.5378% | 6,935 |
| Net loans and leases to core deposits | 46.8720% | 6,696 |
| Total domestic deposits to total assets | 90.0080% | 989 |
| Equity capital to assets | 9.3114% | 5,134 |
| Core capital (leverage) ratio | 8.5917% | 5,414 |
| Tier 1 risk-based capital ratio | 22.0966% | 1,226 |
| Total risk-based capital ratio | 22.9091% | 1,257 |
| Memoranda: | ||
| Average total assets | $211,880,200 | 2,920 |
| Average earning assets | $205,528,800 | 2,784 |
| Average equity | $18,890,400 | 3,295 |
| Average total loans | $58,972,000 | 4,908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 6,892 |
| Cost of funding earning assets | 0.4499% | 6,877 |
| Net interest margin | 3.2917% | 5,882 |
| Noninterest income to average assets | 0.0568% | 6,930 |
| Noninterest expense to average assets | 3.8534% | 1,224 |
| Loan and lease loss provision to assets | 0.1514% | 4,562 |
| Net operating income to assets | -0.7549% | 6,778 |
| Return on assets (ROA) | 0.0019% | 6,253 |
| Pretax return on assets | 0.0019% | 6,229 |
| Return on Equity (ROE) | 0.0215% | 6,254 |
| Retained earnings to average equity (ytd only) | -0.3363% | 6,042 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1847% | 344 |
| Assets per employee ($millions) | 7.0444% | 730 |
| Cash dividends to net income (ytd only)* | 1,666.7500% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 6,817 |
| Loan loss allowance to noncurrent loans | 113.5417% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,511 |
| Noncurrent loans to loans | 0.7075% | 5,464 |
| Net loans and leases to total assets | 30.8195% | 7,061 |
| Net loans and leases to deposits | 34.2088% | 7,125 |
| Net loans and leases to core deposits | 40.3209% | 7,028 |
| Total domestic deposits to total assets | 90.0923% | 817 |
| Equity capital to assets | 9.5913% | 4,945 |
| Core capital (leverage) ratio | 8.6666% | 5,464 |
| Tier 1 risk-based capital ratio | 26.0198% | 836 |
| Total risk-based capital ratio | 26.7768% | 859 |
| Memoranda: | ||
| Average total assets | $211,407,500 | 2,936 |
| Average earning assets | $205,077,250 | 2,799 |
| Average equity | $18,636,750 | 3,333 |
| Average total loans | $55,009,750 | 5,118 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 6,952 |
| Cost of funding earning assets | 0.5127% | 6,805 |
| Net interest margin | 3.2585% | 5,980 |
| Noninterest income to average assets | 0.0507% | 7,044 |
| Noninterest expense to average assets | 3.7468% | 1,453 |
| Loan and lease loss provision to assets | 0.1148% | 4,852 |
| Net operating income to assets | -0.6495% | 6,789 |
| Return on assets (ROA) | -0.2917% | 6,579 |
| Pretax return on assets | -0.2917% | 6,527 |
| Return on Equity (ROE) | -3.4141% | 6,613 |
| Retained earnings to average equity (ytd only) | -3.9737% | 6,470 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5622% | 405 |
| Assets per employee ($millions) | 7.8134% | 493 |
| Cash dividends to net income (ytd only)* | -16.3934% | 7,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 7,013 |
| Loan loss allowance to noncurrent loans | 88.5417% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,555 |
| Noncurrent loans to loans | 0.7960% | 5,323 |
| Net loans and leases to total assets | 28.3815% | 7,231 |
| Net loans and leases to deposits | 31.2812% | 7,288 |
| Net loans and leases to core deposits | 38.4589% | 7,154 |
| Total domestic deposits to total assets | 90.7305% | 619 |
| Equity capital to assets | 8.9671% | 5,627 |
| Core capital (leverage) ratio | 8.7517% | 5,135 |
| Tier 1 risk-based capital ratio | 26.5151% | 759 |
| Total risk-based capital ratio | 27.1269% | 804 |
| Memoranda: | ||
| Average total assets | $209,085,000 | 2,987 |
| Average earning assets | $202,854,330 | 2,837 |
| Average equity | $17,867,330 | 3,438 |
| Average total loans | $50,730,670 | 5,328 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 7,151 |
| Cost of funding earning assets | 0.6043% | 6,597 |
| Net interest margin | 2.9743% | 6,623 |
| Noninterest income to average assets | 0.0384% | 7,192 |
| Noninterest expense to average assets | 3.7281% | 1,481 |
| Loan and lease loss provision to assets | 0.0961% | 4,810 |
| Net operating income to assets | -0.8917% | 7,010 |
| Return on assets (ROA) | -0.5823% | 6,861 |
| Pretax return on assets | -0.5823% | 6,807 |
| Return on Equity (ROE) | -6.9886% | 6,916 |
| Retained earnings to average equity (ytd only) | -9.9178% | 6,867 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4260% | 299 |
| Assets per employee ($millions) | 7.7555% | 524 |
| Cash dividends to net income (ytd only)* | -41.9142% | 7,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,106 |
| Loan loss allowance to noncurrent loans | 73.9583% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 6,602 |
| Noncurrent loans to loans | 0.9114% | 5,218 |
| Net loans and leases to total assets | 24.9821% | 7,357 |
| Net loans and leases to deposits | 27.2772% | 7,399 |
| Net loans and leases to core deposits | 37.1914% | 7,237 |
| Total domestic deposits to total assets | 91.5859% | 391 |
| Equity capital to assets | 8.0244% | 6,468 |
| Core capital (leverage) ratio | 8.3679% | 5,690 |
| Tier 1 risk-based capital ratio | 26.1450% | 774 |
| Total risk-based capital ratio | 26.6727% | 816 |
| Memoranda: | ||
| Average total assets | $208,147,000 | 3,011 |
| Average earning assets | $202,532,500 | 2,865 |
| Average equity | $17,342,500 | 3,516 |
| Average total loans | $45,946,500 | 5,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 7,351 |
| Cost of funding earning assets | 0.9883% | 5,746 |
| Net interest margin | 2.6105% | 7,196 |
| Noninterest income to average assets | 0.0273% | 7,202 |
| Noninterest expense to average assets | 3.6011% | 1,922 |
| Loan and lease loss provision to assets | 0.0494% | 6,660 |
| Net operating income to assets | -0.9824% | 6,670 |
| Return on assets (ROA) | 0.0085% | 5,949 |
| Pretax return on assets | 0.0094% | 5,883 |
| Return on Equity (ROE) | 0.0915% | 5,946 |
| Retained earnings to average equity (ytd only) | -2.4037% | 6,031 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.9083% | 264 |
| Assets per employee ($millions) | 7.9575% | 482 |
| Cash dividends to net income (ytd only)* | 2,727.7778% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 7,021 |
| Loan loss allowance to noncurrent loans | 63.5417% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 6,654 |
| Noncurrent loans to loans | 1.2237% | 4,683 |
| Net loans and leases to total assets | 18.8119% | 7,527 |
| Net loans and leases to deposits | 20.6837% | 7,552 |
| Net loans and leases to core deposits | 29.3486% | 7,479 |
| Total domestic deposits to total assets | 90.9500% | 620 |
| Equity capital to assets | 8.6430% | 5,666 |
| Core capital (leverage) ratio | 8.6787% | 5,058 |
| Tier 1 risk-based capital ratio | 28.1547% | 593 |
| Total risk-based capital ratio | 28.6328% | 638 |
| Memoranda: | ||
| Average total assets | $212,630,600 | 2,953 |
| Average earning assets | $206,207,600 | 2,795 |
| Average equity | $19,677,800 | 3,192 |
| Average total loans | $29,337,000 | 6,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 7,457 |
| Cost of funding earning assets | 1.0240% | 5,832 |
| Net interest margin | 2.6567% | 7,271 |
| Noninterest income to average assets | 0.0498% | 7,269 |
| Noninterest expense to average assets | 3.5216% | 1,988 |
| Loan and lease loss provision to assets | 0.0561% | 6,509 |
| Net operating income to assets | -0.9536% | 6,876 |
| Return on assets (ROA) | 0.3046% | 5,321 |
| Pretax return on assets | 0.3046% | 5,495 |
| Return on Equity (ROE) | 3.2394% | 5,124 |
| Retained earnings to average equity (ytd only) | 0.8281% | 5,477 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4709% | 281 |
| Assets per employee ($millions) | 8.5559% | 406 |
| Cash dividends to net income (ytd only)* | 74.4379% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 16.3613% | 7,653 |
| Net loans and leases to deposits | 18.1161% | 7,672 |
| Net loans and leases to core deposits | 25.8629% | 7,622 |
| Total domestic deposits to total assets | 90.3134% | 717 |
| Equity capital to assets | 9.3001% | 5,141 |
| Core capital (leverage) ratio | 8.1216% | 6,161 |
| Tier 1 risk-based capital ratio | 30.3523% | 499 |
| Total risk-based capital ratio | 30.8276% | 521 |
| Memoranda: | ||
| Average total assets | $214,064,250 | 2,988 |
| Average earning assets | $207,421,750 | 2,818 |
| Average equity | $20,126,750 | 3,176 |
| Average total loans | $26,864,750 | 6,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7325% | 7,515 |
| Cost of funding earning assets | 1.0584% | 5,882 |
| Net interest margin | 2.6742% | 7,281 |
| Noninterest income to average assets | 0.0470% | 7,346 |
| Noninterest expense to average assets | 3.6197% | 1,731 |
| Loan and lease loss provision to assets | 0.0336% | 6,617 |
| Net operating income to assets | -1.0191% | 6,955 |
| Return on assets (ROA) | 0.3368% | 5,196 |
| Pretax return on assets | 0.3368% | 5,402 |
| Return on Equity (ROE) | 3.5681% | 4,984 |
| Retained earnings to average equity (ytd only) | 1.1589% | 5,286 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6648% | 277 |
| Assets per employee ($millions) | 8.1609% | 473 |
| Cash dividends to net income (ytd only)* | 67.5214% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 6,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 12.6928% | 7,745 |
| Net loans and leases to deposits | 14.1713% | 7,759 |
| Net loans and leases to core deposits | 25.7210% | 7,694 |
| Total domestic deposits to total assets | 89.5673% | 1,143 |
| Equity capital to assets | 9.9544% | 4,073 |
| Core capital (leverage) ratio | 8.5099% | 5,387 |
| Tier 1 risk-based capital ratio | 35.5273% | 335 |
| Total risk-based capital ratio | 35.9797% | 354 |
| Memoranda: | ||
| Average total assets | $208,416,000 | 3,062 |
| Average earning assets | $201,634,000 | 2,925 |
| Average equity | $19,674,330 | 3,220 |
| Average total loans | $23,124,330 | 6,904 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7379% | 7,617 |
| Cost of funding earning assets | 1.0788% | 6,002 |
| Net interest margin | 2.6591% | 7,335 |
| Noninterest income to average assets | 0.0553% | 7,437 |
| Noninterest expense to average assets | 3.7777% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1558% | 7,199 |
| Return on assets (ROA) | 0.3655% | 5,119 |
| Pretax return on assets | 0.3655% | 5,396 |
| Return on Equity (ROE) | 3.9904% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.6177% | 5,131 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.3512% | 243 |
| Assets per employee ($millions) | 8.0454% | 511 |
| Cash dividends to net income (ytd only)* | 59.4595% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 9.5279% | 7,860 |
| Net loans and leases to deposits | 10.5049% | 7,868 |
| Net loans and leases to core deposits | 19.6790% | 7,826 |
| Total domestic deposits to total assets | 90.6991% | 656 |
| Equity capital to assets | 8.8498% | 5,467 |
| Core capital (leverage) ratio | 8.4858% | 5,401 |
| Tier 1 risk-based capital ratio | 36.1645% | 325 |
| Total risk-based capital ratio | 36.5585% | 341 |
| Memoranda: | ||
| Average total assets | $202,451,500 | 3,189 |
| Average earning assets | $195,405,000 | 3,056 |
| Average equity | $18,544,500 | 3,389 |
| Average total loans | $20,585,000 | 7,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 7,555 |
| Cost of funding earning assets | 1.4432% | 5,747 |
| Net interest margin | 2.8642% | 6,933 |
| Noninterest income to average assets | 0.0390% | 7,553 |
| Noninterest expense to average assets | 4.1057% | 1,223 |
| Loan and lease loss provision to assets | 0.0529% | 7,035 |
| Net operating income to assets | -1.3944% | 6,810 |
| Return on assets (ROA) | -1.1820% | 6,697 |
| Pretax return on assets | -1.1820% | 6,531 |
| Return on Equity (ROE) | -11.7976% | 6,753 |
| Retained earnings to average equity (ytd only) | -12.5040% | 6,717 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.4704% | 341 |
| Assets per employee ($millions) | 7.8199% | 554 |
| Cash dividends to net income (ytd only)* | -5.9877% | 7,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 10.6955% | 7,927 |
| Net loans and leases to deposits | 11.8752% | 7,942 |
| Net loans and leases to core deposits | 23.5494% | 7,902 |
| Total domestic deposits to total assets | 90.0659% | 928 |
| Equity capital to assets | 9.5190% | 4,392 |
| Core capital (leverage) ratio | 9.0411% | 4,354 |
| Tier 1 risk-based capital ratio | 33.6913% | 387 |
| Total risk-based capital ratio | 34.0905% | 405 |
| Memoranda: | ||
| Average total assets | $151,179,200 | 3,938 |
| Average earning assets | $143,843,600 | 3,819 |
| Average equity | $15,147,200 | 4,033 |
| Average total loans | $16,354,800 | 7,390 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 7,563 |
| Cost of funding earning assets | 1.4979% | 5,829 |
| Net interest margin | 2.9512% | 6,728 |
| Noninterest income to average assets | 0.0375% | 7,701 |
| Noninterest expense to average assets | 4.1945% | 1,033 |
| Loan and lease loss provision to assets | 0.0329% | 7,027 |
| Net operating income to assets | -1.3919% | 7,063 |
| Return on assets (ROA) | -1.2258% | 6,979 |
| Pretax return on assets | -1.2258% | 6,825 |
| Return on Equity (ROE) | -12.0357% | 7,024 |
| Retained earnings to average equity (ytd only) | -12.4227% | 6,968 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.7795% | 337 |
| Assets per employee ($millions) | 7.4381% | 651 |
| Cash dividends to net income (ytd only)* | -3.2160% | 7,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 7,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 10.8857% | 8,013 |
| Net loans and leases to deposits | 12.1251% | 8,023 |
| Net loans and leases to core deposits | 24.5220% | 7,973 |
| Total domestic deposits to total assets | 89.7789% | 853 |
| Equity capital to assets | 9.7763% | 4,379 |
| Core capital (leverage) ratio | 8.9433% | 4,742 |
| Tier 1 risk-based capital ratio | 31.5485% | 487 |
| Total risk-based capital ratio | 31.8711% | 521 |
| Memoranda: | ||
| Average total assets | $142,054,750 | 4,095 |
| Average earning assets | $134,676,500 | 4,029 |
| Average equity | $14,467,750 | 4,196 |
| Average total loans | $15,375,250 | 7,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 7,379 |
| Cost of funding earning assets | 1.5995% | 5,746 |
| Net interest margin | 3.1074% | 6,212 |
| Noninterest income to average assets | 0.0378% | 7,801 |
| Noninterest expense to average assets | 4.5596% | 734 |
| Loan and lease loss provision to assets | 0.0453% | 6,779 |
| Net operating income to assets | -1.6437% | 7,307 |
| Return on assets (ROA) | -1.3899% | 7,202 |
| Pretax return on assets | -1.3899% | 7,030 |
| Return on Equity (ROE) | -13.4156% | 7,247 |
| Retained earnings to average equity (ytd only) | -13.4156% | 7,147 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.7857% | 360 |
| Assets per employee ($millions) | 6.8302% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 6,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 11.5628% | 8,097 |
| Net loans and leases to deposits | 12.9807% | 8,114 |
| Net loans and leases to core deposits | 23.8376% | 8,067 |
| Total domestic deposits to total assets | 89.0772% | 1,229 |
| Equity capital to assets | 10.3950% | 3,523 |
| Core capital (leverage) ratio | 10.1325% | 3,156 |
| Tier 1 risk-based capital ratio | 31.8022% | 507 |
| Total risk-based capital ratio | 32.1314% | 535 |
| Memoranda: | ||
| Average total assets | $132,380,670 | 4,340 |
| Average earning assets | $124,541,670 | 4,256 |
| Average equity | $13,715,330 | 4,369 |
| Average total loans | $14,241,000 | 7,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 7,510 |
| Cost of funding earning assets | 1.5337% | 6,295 |
| Net interest margin | 3.1666% | 5,964 |
| Noninterest income to average assets | 0.0441% | 7,861 |
| Noninterest expense to average assets | 4.2758% | 873 |
| Loan and lease loss provision to assets | 0.0347% | 6,509 |
| Net operating income to assets | -1.2455% | 7,390 |
| Return on assets (ROA) | -1.2455% | 7,405 |
| Pretax return on assets | -1.2455% | 7,273 |
| Return on Equity (ROE) | -12.0445% | 7,477 |
| Retained earnings to average equity (ytd only) | -12.0445% | 7,268 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.3457% | 436 |
| Assets per employee ($millions) | 5.9466% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 6,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 10.6401% | 8,158 |
| Net loans and leases to deposits | 11.9032% | 8,170 |
| Net loans and leases to core deposits | 19.5753% | 8,143 |
| Total domestic deposits to total assets | 89.3882% | 1,060 |
| Equity capital to assets | 10.1967% | 3,769 |
| Core capital (leverage) ratio | 9.8640% | 3,567 |
| Tier 1 risk-based capital ratio | 38.3642% | 350 |
| Total risk-based capital ratio | 38.7551% | 365 |
| Memoranda: | ||
| Average total assets | $126,854,000 | 4,470 |
| Average earning assets | $121,014,000 | 4,359 |
| Average equity | $13,118,000 | 4,555 |
| Average total loans | $12,994,000 | 7,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 8,046 |
| Cost of funding earning assets | 1.7332% | 7,175 |
| Net interest margin | 2.6815% | 7,533 |
| Noninterest income to average assets | 0.0239% | 8,017 |
| Noninterest expense to average assets | 6.6987% | 313 |
| Loan and lease loss provision to assets | 0.9281% | 1,603 |
| Net operating income to assets | -5.0939% | 8,093 |
| Return on assets (ROA) | -5.0939% | 8,085 |
| Pretax return on assets | -5.0939% | 8,037 |
| Return on Equity (ROE) | -26.8964% | 7,904 |
| Retained earnings to average equity (ytd only) | -26.8964% | 7,852 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 260.1996% | 130 |
| Assets per employee ($millions) | 5.3427% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 5,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 9.6165% | 8,214 |
| Net loans and leases to deposits | 12.1234% | 8,224 |
| Net loans and leases to core deposits | 12.8895% | 8,221 |
| Total domestic deposits to total assets | 79.3224% | 5,260 |
| Equity capital to assets | 10.4946% | 3,509 |
| Core capital (leverage) ratio | 10.2280% | 3,237 |
| Tier 1 risk-based capital ratio | 40.7857% | 324 |
| Total risk-based capital ratio | 41.1763% | 333 |
| Memoranda: | ||
| Average total assets | $71,222,800 | 5,991 |
| Average earning assets | $66,641,000 | 5,948 |
| Average equity | $13,488,800 | 4,454 |
| Average total loans | $7,909,000 | 8,038 |