Home > First Commerce Bank > Performance and Condition Ratios
First Commerce 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 | 5.4511% | 1,232 |
| Cost of funding earning assets | 2.4720% | 392 |
| Net interest margin | 2.9790% | 3,331 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.9816% | 3,677 |
| Loan and lease loss provision to assets | -0.3400% | 4,576 |
| Net operating income to assets | 0.9981% | 2,228 |
| Return on assets (ROA) | 0.9981% | 2,210 |
| Pretax return on assets | 1.3323% | 1,789 |
| Return on Equity (ROE) | 7.8500% | 3,067 |
| Retained earnings to average equity (ytd only) | 6.7790% | 1,964 |
| Net charge-offs to loans | 0.0064% | 2,460 |
| Credit loss provision to net charge-offs | -4,524.6753% | 4,597 |
| Earnings coverage of net charge-offs (x) | 179.6623% | 628 |
| Efficiency ratio | 66.6160% | 2,273 |
| Assets per employee ($millions) | 8.9759% | 990 |
| Cash dividends to net income (ytd only)* | 13.6867% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,519 |
| Loan loss allowance to noncurrent loans | 78.8083% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 331 |
| Noncurrent loans to loans | 1.4674% | 473 |
| Net loans and leases to total assets | 86.1200% | 153 |
| Net loans and leases to deposits | 110.4143% | 190 |
| Net loans and leases to core deposits | 140.3353% | 277 |
| Total domestic deposits to total assets | 77.9900% | 3,728 |
| Equity capital to assets | 11.9471% | 1,143 |
| Core capital (leverage) ratio | 12.0154% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7315% | 1,617 |
| Memoranda: | ||
| Average total assets | $1,393,100,200 | 754 |
| Average earning assets | $1,322,303,400 | 732 |
| Average equity | $177,031,400 | 597 |
| Average total loans | $1,210,115,000 | 627 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 1,133 |
| Cost of funding earning assets | 2.2879% | 418 |
| Net interest margin | 3.1122% | 3,119 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.9920% | 3,614 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7733% | 3,101 |
| Return on assets (ROA) | 0.7733% | 3,095 |
| Pretax return on assets | 1.0155% | 2,810 |
| Return on Equity (ROE) | 5.9900% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.5695% | 3,076 |
| Net charge-offs to loans | -0.0039% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.2355% | 2,471 |
| Assets per employee ($millions) | 8.8758% | 972 |
| Cash dividends to net income (ytd only)* | 23.7371% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 993 |
| Loan loss allowance to noncurrent loans | 124.3216% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 441 |
| Noncurrent loans to loans | 1.2449% | 621 |
| Net loans and leases to total assets | 87.0800% | 114 |
| Net loans and leases to deposits | 108.9689% | 223 |
| Net loans and leases to core deposits | 143.4307% | 187 |
| Total domestic deposits to total assets | 79.9100% | 3,543 |
| Equity capital to assets | 11.5803% | 1,159 |
| Core capital (leverage) ratio | 11.6474% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0368% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,382,340,750 | 757 |
| Average earning assets | $1,311,461,500 | 738 |
| Average equity | $178,395,000 | 591 |
| Average total loans | $1,199,837,000 | 625 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 1,066 |
| Cost of funding earning assets | 2.0507% | 443 |
| Net interest margin | 3.2594% | 2,847 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.0032% | 3,589 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9140% | 2,708 |
| Return on assets (ROA) | 0.9140% | 2,691 |
| Pretax return on assets | 1.2030% | 2,349 |
| Return on Equity (ROE) | 6.8400% | 3,513 |
| Retained earnings to average equity (ytd only) | 4.5899% | 3,057 |
| Net charge-offs to loans | 0.0048% | 2,104 |
| Credit loss provision to net charge-offs | 2,714.2857% | 204 |
| Earnings coverage of net charge-offs (x) | 306.8929% | 439 |
| Efficiency ratio | 61.4370% | 2,786 |
| Assets per employee ($millions) | 8.7485% | 985 |
| Cash dividends to net income (ytd only)* | 32.8530% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,102 |
| Loan loss allowance to noncurrent loans | 119.2513% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1034% | 395 |
| Noncurrent loans to loans | 1.2808% | 556 |
| Net loans and leases to total assets | 84.8300% | 221 |
| Net loans and leases to deposits | 109.4856% | 214 |
| Net loans and leases to core deposits | 138.0394% | 235 |
| Total domestic deposits to total assets | 77.4800% | 3,898 |
| Equity capital to assets | 12.9649% | 820 |
| Core capital (leverage) ratio | 13.3358% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8138% | 1,357 |
| Memoranda: | ||
| Average total assets | $1,366,786,667 | 755 |
| Average earning assets | $1,295,938,667 | 737 |
| Average equity | $182,749,000 | 567 |
| Average total loans | $1,178,476,667 | 626 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 1,048 |
| Cost of funding earning assets | 1.8096% | 443 |
| Net interest margin | 3.3222% | 2,828 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0147% | 3,596 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0009% | 2,520 |
| Return on assets (ROA) | 1.0009% | 2,491 |
| Pretax return on assets | 1.3183% | 2,124 |
| Return on Equity (ROE) | 7.3700% | 3,442 |
| Retained earnings to average equity (ytd only) | 5.2729% | 2,956 |
| Net charge-offs to loans | -0.0080% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4335% | 3,034 |
| Assets per employee ($millions) | 8.3267% | 1,192 |
| Cash dividends to net income (ytd only)* | 28.4220% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 1,092 |
| Loan loss allowance to noncurrent loans | 158.0233% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 548 |
| Noncurrent loans to loans | 0.9881% | 739 |
| Net loans and leases to total assets | 84.6700% | 197 |
| Net loans and leases to deposits | 111.7276% | 158 |
| Net loans and leases to core deposits | 132.3464% | 252 |
| Total domestic deposits to total assets | 75.7800% | 4,170 |
| Equity capital to assets | 13.2378% | 709 |
| Core capital (leverage) ratio | 13.8273% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7228% | 1,435 |
| Memoranda: | ||
| Average total assets | $1,337,178,500 | 784 |
| Average earning assets | $1,266,130,500 | 763 |
| Average equity | $181,683,500 | 581 |
| Average total loans | $1,153,489,500 | 644 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 539 |
| Cost of funding earning assets | 0.5819% | 975 |
| Net interest margin | 4.0889% | 672 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.1736% | 3,089 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.3802% | 1,175 |
| Return on assets (ROA) | 1.3802% | 1,134 |
| Pretax return on assets | 1.8189% | 705 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.1289% | 3,358 |
| Net charge-offs to loans | -0.0401% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.8506% | 3,704 |
| Assets per employee ($millions) | 7.9272% | 1,361 |
| Cash dividends to net income (ytd only)* | 55.9057% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 994 |
| Loan loss allowance to noncurrent loans | 139.6341% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 278 |
| Noncurrent loans to loans | 1.1389% | 629 |
| Net loans and leases to total assets | 85.1500% | 203 |
| Net loans and leases to deposits | 106.1744% | 243 |
| Net loans and leases to core deposits | 123.2091% | 318 |
| Total domestic deposits to total assets | 80.2000% | 3,849 |
| Equity capital to assets | 13.9607% | 581 |
| Core capital (leverage) ratio | 14.3285% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2271% | 1,307 |
| Memoranda: | ||
| Average total assets | $1,202,293,600 | 853 |
| Average earning assets | $1,133,983,600 | 833 |
| Average equity | $177,214,000 | 583 |
| Average total loans | $1,013,433,800 | 674 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 487 |
| Cost of funding earning assets | 0.3692% | 1,532 |
| Net interest margin | 4.1472% | 471 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.1705% | 3,005 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.4220% | 1,026 |
| Return on assets (ROA) | 1.4220% | 1,001 |
| Pretax return on assets | 1.8906% | 595 |
| Return on Equity (ROE) | 9.5100% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.2180% | 3,724 |
| Net charge-offs to loans | -0.0221% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.8117% | 3,834 |
| Assets per employee ($millions) | 7.5721% | 1,570 |
| Cash dividends to net income (ytd only)* | 66.1607% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 1,011 |
| Loan loss allowance to noncurrent loans | 101.2446% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 178 |
| Noncurrent loans to loans | 1.6111% | 422 |
| Net loans and leases to total assets | 85.2100% | 169 |
| Net loans and leases to deposits | 104.3607% | 230 |
| Net loans and leases to core deposits | 114.2699% | 356 |
| Total domestic deposits to total assets | 81.6500% | 3,886 |
| Equity capital to assets | 14.1865% | 545 |
| Core capital (leverage) ratio | 14.5601% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4559% | 1,296 |
| Memoranda: | ||
| Average total assets | $1,179,835,500 | 870 |
| Average earning assets | $1,112,294,250 | 854 |
| Average equity | $176,420,000 | 592 |
| Average total loans | $987,272,000 | 685 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 471 |
| Cost of funding earning assets | 0.2719% | 2,004 |
| Net interest margin | 4.0859% | 410 |
| Noninterest income to average assets | 0.1193% | 4,400 |
| Noninterest expense to average assets | 2.2368% | 2,747 |
| Loan and lease loss provision to assets | 0.0763% | 1,265 |
| Net operating income to assets | 1.2337% | 1,319 |
| Return on assets (ROA) | 1.2337% | 1,298 |
| Pretax return on assets | 1.6548% | 839 |
| Return on Equity (ROE) | 8.1013% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.1013% | 1,579 |
| Net charge-offs to loans | -0.0149% | 3,758 |
| Credit loss provision to net charge-offs | -621.1268% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3734% | 3,738 |
| Assets per employee ($millions) | 7.1317% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8143% | 798 |
| Loan loss allowance to noncurrent loans | 134.2235% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 230 |
| Noncurrent loans to loans | 1.3517% | 574 |
| Net loans and leases to total assets | 83.9099% | 190 |
| Net loans and leases to deposits | 100.8283% | 246 |
| Net loans and leases to core deposits | 107.4114% | 409 |
| Total domestic deposits to total assets | 83.2206% | 3,832 |
| Equity capital to assets | 15.3110% | 381 |
| Core capital (leverage) ratio | 15.3599% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7761% | 1,027 |
| Memoranda: | ||
| Average total assets | $1,156,651,000 | 877 |
| Average earning assets | $1,089,444,000 | 865 |
| Average equity | $176,145,000 | 597 |
| Average total loans | $955,626,000 | 695 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 414 |
| Cost of funding earning assets | 0.2642% | 1,988 |
| Net interest margin | 4.0735% | 357 |
| Noninterest income to average assets | 0.1270% | 4,373 |
| Noninterest expense to average assets | 2.2735% | 2,600 |
| Loan and lease loss provision to assets | -0.2704% | 4,722 |
| Net operating income to assets | 1.4641% | 685 |
| Return on assets (ROA) | 1.4641% | 682 |
| Pretax return on assets | 1.9585% | 393 |
| Return on Equity (ROE) | 9.6409% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.6409% | 1,111 |
| Net charge-offs to loans | -0.0219% | 3,961 |
| Credit loss provision to net charge-offs | 1,519.6078% | 255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3882% | 3,746 |
| Assets per employee ($millions) | 7.3808% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 852 |
| Loan loss allowance to noncurrent loans | 139.4180% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 264 |
| Noncurrent loans to loans | 1.3059% | 669 |
| Net loans and leases to total assets | 79.1506% | 284 |
| Net loans and leases to deposits | 94.8979% | 320 |
| Net loans and leases to core deposits | 99.7198% | 524 |
| Total domestic deposits to total assets | 83.4061% | 3,882 |
| Equity capital to assets | 15.1853% | 379 |
| Core capital (leverage) ratio | 15.2870% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8402% | 924 |
| Memoranda: | ||
| Average total assets | $1,146,610,000 | 888 |
| Average earning assets | $1,079,373,000 | 875 |
| Average equity | $174,132,500 | 622 |
| Average total loans | $930,619,000 | 704 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 715 |
| Cost of funding earning assets | 0.3468% | 1,963 |
| Net interest margin | 4.0542% | 639 |
| Noninterest income to average assets | 0.0747% | 4,670 |
| Noninterest expense to average assets | 1.9624% | 3,790 |
| Loan and lease loss provision to assets | -0.0533% | 4,366 |
| Net operating income to assets | 1.5190% | 975 |
| Return on assets (ROA) | 1.5190% | 1,012 |
| Pretax return on assets | 2.0417% | 560 |
| Return on Equity (ROE) | 10.2035% | 2,455 |
| Retained earnings to average equity (ytd only) | 10.2035% | 864 |
| Net charge-offs to loans | -0.0510% | 4,332 |
| Credit loss provision to net charge-offs | 128.5088% | 1,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6716% | 4,308 |
| Assets per employee ($millions) | 7.2720% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 710 |
| Loan loss allowance to noncurrent loans | 202.5009% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 439 |
| Noncurrent loans to loans | 0.9446% | 1,073 |
| Net loans and leases to total assets | 80.1554% | 264 |
| Net loans and leases to deposits | 96.0350% | 315 |
| Net loans and leases to core deposits | 101.7067% | 463 |
| Total domestic deposits to total assets | 83.4647% | 3,704 |
| Equity capital to assets | 15.1882% | 469 |
| Core capital (leverage) ratio | 15.1173% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3913% | 838 |
| Memoranda: | ||
| Average total assets | $1,098,442,000 | 892 |
| Average earning assets | $1,050,170,400 | 867 |
| Average equity | $163,521,600 | 666 |
| Average total loans | $893,371,600 | 728 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 794 |
| Cost of funding earning assets | 0.3670% | 1,966 |
| Net interest margin | 4.0434% | 721 |
| Noninterest income to average assets | 0.0592% | 4,783 |
| Noninterest expense to average assets | 1.9514% | 3,810 |
| Loan and lease loss provision to assets | -0.0900% | 4,581 |
| Net operating income to assets | 1.5459% | 1,158 |
| Return on assets (ROA) | 1.5459% | 1,200 |
| Pretax return on assets | 2.0799% | 700 |
| Return on Equity (ROE) | 10.4398% | 2,574 |
| Retained earnings to average equity (ytd only) | 10.4398% | 1,187 |
| Net charge-offs to loans | -0.0679% | 4,473 |
| Credit loss provision to net charge-offs | 163.1929% | 1,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5125% | 4,265 |
| Assets per employee ($millions) | 7.3551% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 625 |
| Loan loss allowance to noncurrent loans | 223.5534% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0791% | 585 |
| Noncurrent loans to loans | 0.8952% | 1,290 |
| Net loans and leases to total assets | 76.9961% | 474 |
| Net loans and leases to deposits | 91.9741% | 498 |
| Net loans and leases to core deposits | 98.0434% | 659 |
| Total domestic deposits to total assets | 83.7149% | 3,534 |
| Equity capital to assets | 15.0516% | 536 |
| Core capital (leverage) ratio | 14.9818% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2617% | 774 |
| Memoranda: | ||
| Average total assets | $1,089,443,250 | 904 |
| Average earning assets | $1,045,947,250 | 877 |
| Average equity | $161,327,000 | 677 |
| Average total loans | $884,953,250 | 750 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 898 |
| Cost of funding earning assets | 0.3929% | 1,947 |
| Net interest margin | 3.9720% | 862 |
| Noninterest income to average assets | 0.0561% | 4,827 |
| Noninterest expense to average assets | 1.8260% | 4,128 |
| Loan and lease loss provision to assets | -0.1111% | 4,645 |
| Net operating income to assets | 1.6033% | 1,042 |
| Return on assets (ROA) | 1.6033% | 1,101 |
| Pretax return on assets | 2.1511% | 629 |
| Return on Equity (ROE) | 10.8885% | 2,461 |
| Retained earnings to average equity (ytd only) | 10.8885% | 1,149 |
| Net charge-offs to loans | -0.0915% | 4,599 |
| Credit loss provision to net charge-offs | 147.7833% | 1,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2335% | 4,445 |
| Assets per employee ($millions) | 7.4496% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 663 |
| Loan loss allowance to noncurrent loans | 197.1435% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2020% | 567 |
| Noncurrent loans to loans | 0.9927% | 1,245 |
| Net loans and leases to total assets | 80.8252% | 268 |
| Net loans and leases to deposits | 96.3581% | 370 |
| Net loans and leases to core deposits | 103.2039% | 555 |
| Total domestic deposits to total assets | 83.8800% | 3,475 |
| Equity capital to assets | 14.9814% | 529 |
| Core capital (leverage) ratio | 14.7894% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9842% | 809 |
| Memoranda: | ||
| Average total assets | $1,079,930,333 | 907 |
| Average earning assets | $1,035,844,000 | 879 |
| Average equity | $159,011,333 | 677 |
| Average total loans | $887,144,333 | 749 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 948 |
| Cost of funding earning assets | 0.4247% | 1,902 |
| Net interest margin | 3.9391% | 927 |
| Noninterest income to average assets | 0.0753% | 4,784 |
| Noninterest expense to average assets | 1.6939% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5842% | 1,157 |
| Return on assets (ROA) | 1.5842% | 1,210 |
| Pretax return on assets | 2.1556% | 740 |
| Return on Equity (ROE) | 10.8559% | 2,404 |
| Retained earnings to average equity (ytd only) | 10.8559% | 1,433 |
| Net charge-offs to loans | -0.0023% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0019% | 4,580 |
| Assets per employee ($millions) | 7.3536% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 615 |
| Loan loss allowance to noncurrent loans | 198.7430% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 535 |
| Noncurrent loans to loans | 0.9985% | 1,346 |
| Net loans and leases to total assets | 80.0063% | 334 |
| Net loans and leases to deposits | 94.8949% | 444 |
| Net loans and leases to core deposits | 102.0087% | 631 |
| Total domestic deposits to total assets | 84.3104% | 3,337 |
| Equity capital to assets | 14.3905% | 591 |
| Core capital (leverage) ratio | 14.7858% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7318% | 822 |
| Memoranda: | ||
| Average total assets | $1,072,348,000 | 903 |
| Average earning assets | $1,027,431,500 | 875 |
| Average equity | $156,486,500 | 683 |
| Average total loans | $879,326,000 | 751 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 869 |
| Cost of funding earning assets | 0.9533% | 708 |
| Net interest margin | 3.7611% | 1,613 |
| Noninterest income to average assets | 0.1000% | 4,744 |
| Noninterest expense to average assets | 1.9939% | 4,149 |
| Loan and lease loss provision to assets | 0.2988% | 1,260 |
| Net operating income to assets | 1.0205% | 2,214 |
| Return on assets (ROA) | 1.0205% | 2,354 |
| Pretax return on assets | 1.4033% | 1,647 |
| Return on Equity (ROE) | 7.1299% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.1299% | 1,347 |
| Net charge-offs to loans | 0.0708% | 1,784 |
| Credit loss provision to net charge-offs | 527.0408% | 1,211 |
| Earnings coverage of net charge-offs (x) | 30.0204% | 1,615 |
| Efficiency ratio | 53.9485% | 4,216 |
| Assets per employee ($millions) | 6.5513% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0812% | 501 |
| Loan loss allowance to noncurrent loans | 208.6555% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3447% | 588 |
| Noncurrent loans to loans | 0.9975% | 1,421 |
| Net loans and leases to total assets | 80.6812% | 383 |
| Net loans and leases to deposits | 96.1354% | 549 |
| Net loans and leases to core deposits | 104.1326% | 717 |
| Total domestic deposits to total assets | 83.9246% | 3,137 |
| Equity capital to assets | 14.8072% | 605 |
| Core capital (leverage) ratio | 14.7543% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9605% | 771 |
| Memoranda: | ||
| Average total assets | $1,037,090,800 | 851 |
| Average earning assets | $991,569,000 | 826 |
| Average equity | $148,431,600 | 684 |
| Average total loans | $830,487,600 | 759 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 953 |
| Cost of funding earning assets | 1.0994% | 542 |
| Net interest margin | 3.6570% | 2,081 |
| Noninterest income to average assets | 0.1148% | 4,706 |
| Noninterest expense to average assets | 2.0021% | 4,137 |
| Loan and lease loss provision to assets | 0.2741% | 1,467 |
| Net operating income to assets | 0.9698% | 2,451 |
| Return on assets (ROA) | 0.9698% | 2,583 |
| Pretax return on assets | 1.3347% | 1,923 |
| Return on Equity (ROE) | 6.8352% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.8352% | 1,767 |
| Net charge-offs to loans | 0.0210% | 2,436 |
| Credit loss provision to net charge-offs | 1,638.4615% | 579 |
| Earnings coverage of net charge-offs (x) | 96.1538% | 816 |
| Efficiency ratio | 55.4463% | 3,987 |
| Assets per employee ($millions) | 6.6123% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 470 |
| Loan loss allowance to noncurrent loans | 187.6000% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 639 |
| Noncurrent loans to loans | 1.0813% | 1,390 |
| Net loans and leases to total assets | 79.7184% | 638 |
| Net loans and leases to deposits | 94.5443% | 877 |
| Net loans and leases to core deposits | 104.1147% | 917 |
| Total domestic deposits to total assets | 84.3186% | 2,701 |
| Equity capital to assets | 14.3893% | 763 |
| Core capital (leverage) ratio | 13.9675% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3903% | 742 |
| Memoranda: | ||
| Average total assets | $1,035,949,250 | 838 |
| Average earning assets | $990,377,500 | 807 |
| Average equity | $146,979,500 | 679 |
| Average total loans | $823,538,500 | 760 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 1,205 |
| Cost of funding earning assets | 1.2426% | 442 |
| Net interest margin | 3.5432% | 2,659 |
| Noninterest income to average assets | 0.1257% | 4,674 |
| Noninterest expense to average assets | 2.0320% | 4,164 |
| Loan and lease loss provision to assets | 0.3320% | 1,287 |
| Net operating income to assets | 0.8380% | 2,907 |
| Return on assets (ROA) | 0.8380% | 3,025 |
| Pretax return on assets | 1.1486% | 2,554 |
| Return on Equity (ROE) | 5.9349% | 3,532 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,110 |
| Net charge-offs to loans | -0.0148% | 4,315 |
| Credit loss provision to net charge-offs | -2,851.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8491% | 3,708 |
| Assets per employee ($millions) | 6.5867% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 424 |
| Loan loss allowance to noncurrent loans | 172.3083% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 668 |
| Noncurrent loans to loans | 1.1678% | 1,343 |
| Net loans and leases to total assets | 77.6672% | 895 |
| Net loans and leases to deposits | 91.5699% | 1,206 |
| Net loans and leases to core deposits | 102.0530% | 1,114 |
| Total domestic deposits to total assets | 84.8173% | 2,466 |
| Equity capital to assets | 13.7802% | 903 |
| Core capital (leverage) ratio | 13.9833% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5802% | 833 |
| Memoranda: | ||
| Average total assets | $1,030,815,000 | 824 |
| Average earning assets | $985,329,667 | 800 |
| Average equity | $145,545,333 | 677 |
| Average total loans | $812,893,333 | 761 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 1,123 |
| Cost of funding earning assets | 1.3898% | 414 |
| Net interest margin | 3.5368% | 2,861 |
| Noninterest income to average assets | 0.1264% | 4,732 |
| Noninterest expense to average assets | 2.1720% | 4,076 |
| Loan and lease loss provision to assets | 0.0392% | 3,285 |
| Net operating income to assets | 0.9491% | 2,353 |
| Return on assets (ROA) | 0.9491% | 2,451 |
| Pretax return on assets | 1.2966% | 1,881 |
| Return on Equity (ROE) | 6.6369% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.6369% | 1,668 |
| Net charge-offs to loans | -0.0282% | 4,448 |
| Credit loss provision to net charge-offs | -176.7857% | 3,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9182% | 3,506 |
| Assets per employee ($millions) | 6.0198% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9527% | 551 |
| Loan loss allowance to noncurrent loans | 157.6876% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 814 |
| Noncurrent loans to loans | 1.2383% | 1,314 |
| Net loans and leases to total assets | 76.9902% | 1,133 |
| Net loans and leases to deposits | 91.4241% | 1,349 |
| Net loans and leases to core deposits | 103.5037% | 1,217 |
| Total domestic deposits to total assets | 84.2121% | 2,707 |
| Equity capital to assets | 14.4170% | 921 |
| Core capital (leverage) ratio | 14.3773% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1754% | 957 |
| Memoranda: | ||
| Average total assets | $1,009,410,000 | 813 |
| Average earning assets | $965,042,000 | 781 |
| Average equity | $144,344,000 | 677 |
| Average total loans | $793,851,000 | 756 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 1,266 |
| Cost of funding earning assets | 1.5598% | 335 |
| Net interest margin | 3.5175% | 3,396 |
| Noninterest income to average assets | 0.0514% | 5,036 |
| Noninterest expense to average assets | 2.1391% | 4,293 |
| Loan and lease loss provision to assets | -0.0863% | 5,061 |
| Net operating income to assets | 0.9571% | 2,993 |
| Return on assets (ROA) | 0.9571% | 3,076 |
| Pretax return on assets | 1.3570% | 2,306 |
| Return on Equity (ROE) | 6.8799% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.8799% | 1,437 |
| Net charge-offs to loans | 0.2230% | 914 |
| Credit loss provision to net charge-offs | -49.5078% | 4,162 |
| Earnings coverage of net charge-offs (x) | 7.2878% | 2,891 |
| Efficiency ratio | 62.7346% | 3,256 |
| Assets per employee ($millions) | 6.1433% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 518 |
| Loan loss allowance to noncurrent loans | 111.9440% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.4535% | 708 |
| Noncurrent loans to loans | 1.7281% | 795 |
| Net loans and leases to total assets | 77.2433% | 1,217 |
| Net loans and leases to deposits | 91.4695% | 1,432 |
| Net loans and leases to core deposits | 104.1886% | 1,219 |
| Total domestic deposits to total assets | 84.4470% | 2,707 |
| Equity capital to assets | 14.1822% | 1,036 |
| Core capital (leverage) ratio | 14.1284% | 897 |
| Tier 1 risk-based capital ratio | 17.7962% | 1,811 |
| Total risk-based capital ratio | 19.0563% | 1,762 |
| Memoranda: | ||
| Average total assets | $990,507,600 | 791 |
| Average earning assets | $945,689,200 | 755 |
| Average equity | $137,792,800 | 674 |
| Average total loans | $774,391,000 | 737 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 1,291 |
| Cost of funding earning assets | 1.5648% | 335 |
| Net interest margin | 3.5310% | 3,471 |
| Noninterest income to average assets | 0.0183% | 5,175 |
| Noninterest expense to average assets | 2.1020% | 4,362 |
| Loan and lease loss provision to assets | -0.1165% | 5,175 |
| Net operating income to assets | 1.0269% | 2,878 |
| Return on assets (ROA) | 1.0269% | 2,953 |
| Pretax return on assets | 1.4032% | 2,300 |
| Return on Equity (ROE) | 7.4185% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.4185% | 1,664 |
| Net charge-offs to loans | 0.2391% | 746 |
| Credit loss provision to net charge-offs | -62.4638% | 4,042 |
| Earnings coverage of net charge-offs (x) | 6.8971% | 2,796 |
| Efficiency ratio | 62.0298% | 3,319 |
| Assets per employee ($millions) | 6.1603% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 436 |
| Loan loss allowance to noncurrent loans | 79.7763% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.0515% | 417 |
| Noncurrent loans to loans | 2.5407% | 450 |
| Net loans and leases to total assets | 75.5381% | 1,555 |
| Net loans and leases to deposits | 89.4398% | 1,761 |
| Net loans and leases to core deposits | 101.4305% | 1,553 |
| Total domestic deposits to total assets | 84.4569% | 2,648 |
| Equity capital to assets | 14.0160% | 1,143 |
| Core capital (leverage) ratio | 13.9896% | 986 |
| Tier 1 risk-based capital ratio | 17.9397% | 1,840 |
| Total risk-based capital ratio | 19.2008% | 1,780 |
| Memoranda: | ||
| Average total assets | $986,259,750 | 792 |
| Average earning assets | $941,421,000 | 762 |
| Average equity | $136,519,500 | 677 |
| Average total loans | $769,594,500 | 739 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 1,131 |
| Cost of funding earning assets | 1.5387% | 331 |
| Net interest margin | 3.5996% | 3,257 |
| Noninterest income to average assets | 0.1147% | 4,983 |
| Noninterest expense to average assets | 2.1120% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0552% | 2,701 |
| Return on assets (ROA) | 1.0552% | 2,765 |
| Pretax return on assets | 1.4400% | 2,066 |
| Return on Equity (ROE) | 7.6558% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.6558% | 1,537 |
| Net charge-offs to loans | 0.7005% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.6238% | 2,921 |
| Efficiency ratio | 59.4601% | 3,800 |
| Assets per employee ($millions) | 6.1347% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 486 |
| Loan loss allowance to noncurrent loans | 58.9407% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.7616% | 245 |
| Noncurrent loans to loans | 3.3768% | 260 |
| Net loans and leases to total assets | 75.0742% | 1,711 |
| Net loans and leases to deposits | 88.5669% | 1,932 |
| Net loans and leases to core deposits | 99.7479% | 1,748 |
| Total domestic deposits to total assets | 84.7655% | 2,574 |
| Equity capital to assets | 13.8243% | 1,190 |
| Core capital (leverage) ratio | 13.9084% | 994 |
| Tier 1 risk-based capital ratio | 17.6029% | 1,908 |
| Total risk-based capital ratio | 18.8632% | 1,859 |
| Memoranda: | ||
| Average total assets | $980,302,670 | 796 |
| Average earning assets | $936,099,000 | 763 |
| Average equity | $135,113,000 | 679 |
| Average total loans | $768,061,670 | 743 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 1,087 |
| Cost of funding earning assets | 1.4953% | 331 |
| Net interest margin | 3.6091% | 3,220 |
| Noninterest income to average assets | 0.1084% | 5,049 |
| Noninterest expense to average assets | 2.0749% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1697% | 2,178 |
| Return on assets (ROA) | 1.1697% | 2,233 |
| Pretax return on assets | 1.4846% | 1,822 |
| Return on Equity (ROE) | 8.5002% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.5002% | 1,490 |
| Net charge-offs to loans | 1.3496% | 94 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.3881% | 2,603 |
| Efficiency ratio | 58.2909% | 4,045 |
| Assets per employee ($millions) | 6.1165% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 502 |
| Loan loss allowance to noncurrent loans | 49.1053% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 3.1921% | 184 |
| Noncurrent loans to loans | 4.0739% | 183 |
| Net loans and leases to total assets | 76.7859% | 1,348 |
| Net loans and leases to deposits | 90.5412% | 1,564 |
| Net loans and leases to core deposits | 102.4293% | 1,418 |
| Total domestic deposits to total assets | 84.8077% | 2,746 |
| Equity capital to assets | 13.8315% | 1,099 |
| Core capital (leverage) ratio | 13.9965% | 959 |
| Tier 1 risk-based capital ratio | 17.3948% | 1,975 |
| Total risk-based capital ratio | 18.6553% | 1,922 |
| Memoranda: | ||
| Average total assets | $970,472,500 | 809 |
| Average earning assets | $927,980,000 | 775 |
| Average equity | $133,550,500 | 685 |
| Average total loans | $769,113,000 | 743 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3127% | 570 |
| Cost of funding earning assets | 1.1647% | 390 |
| Net interest margin | 4.1480% | 1,534 |
| Noninterest income to average assets | 0.0484% | 5,277 |
| Noninterest expense to average assets | 1.8704% | 4,935 |
| Loan and lease loss provision to assets | 0.5370% | 213 |
| Net operating income to assets | 1.3112% | 1,751 |
| Return on assets (ROA) | 1.3112% | 1,733 |
| Pretax return on assets | 1.6251% | 1,394 |
| Return on Equity (ROE) | 10.2774% | 2,405 |
| Retained earnings to average equity (ytd only) | 10.2774% | 577 |
| Net charge-offs to loans | 0.1360% | 1,394 |
| Credit loss provision to net charge-offs | 465.0571% | 740 |
| Earnings coverage of net charge-offs (x) | 18.7243% | 2,115 |
| Efficiency ratio | 46.3836% | 5,110 |
| Assets per employee ($millions) | 6.2895% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3249% | 277 |
| Loan loss allowance to noncurrent loans | 47.2471% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 3.9447% | 121 |
| Noncurrent loans to loans | 4.9208% | 113 |
| Net loans and leases to total assets | 78.3009% | 1,228 |
| Net loans and leases to deposits | 91.0672% | 1,658 |
| Net loans and leases to core deposits | 103.4292% | 1,462 |
| Total domestic deposits to total assets | 85.9815% | 2,239 |
| Equity capital to assets | 13.6901% | 1,073 |
| Core capital (leverage) ratio | 13.7112% | 1,007 |
| Tier 1 risk-based capital ratio | 17.6847% | 1,852 |
| Total risk-based capital ratio | 18.9507% | 1,797 |
| Memoranda: | ||
| Average total assets | $986,397,800 | 780 |
| Average earning assets | $947,447,000 | 738 |
| Average equity | $125,848,800 | 686 |
| Average total loans | $837,741,600 | 667 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3464% | 483 |
| Cost of funding earning assets | 1.0992% | 403 |
| Net interest margin | 4.2472% | 1,241 |
| Noninterest income to average assets | 0.1260% | 5,117 |
| Noninterest expense to average assets | 1.8130% | 5,027 |
| Loan and lease loss provision to assets | 0.3333% | 419 |
| Net operating income to assets | 1.6257% | 908 |
| Return on assets (ROA) | 1.6257% | 912 |
| Pretax return on assets | 2.0587% | 536 |
| Return on Equity (ROE) | 12.9722% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.9722% | 363 |
| Net charge-offs to loans | 0.2073% | 818 |
| Credit loss provision to net charge-offs | 186.8223% | 1,464 |
| Earnings coverage of net charge-offs (x) | 13.4074% | 2,363 |
| Efficiency ratio | 43.1150% | 5,244 |
| Assets per employee ($millions) | 6.6150% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 636 |
| Loan loss allowance to noncurrent loans | 74.6263% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.4621% | 358 |
| Noncurrent loans to loans | 2.5072% | 522 |
| Net loans and leases to total assets | 82.7733% | 593 |
| Net loans and leases to deposits | 96.3500% | 1,112 |
| Net loans and leases to core deposits | 109.9828% | 1,034 |
| Total domestic deposits to total assets | 85.9090% | 2,238 |
| Equity capital to assets | 13.7666% | 1,031 |
| Core capital (leverage) ratio | 13.5258% | 1,095 |
| Tier 1 risk-based capital ratio | 16.8779% | 2,145 |
| Total risk-based capital ratio | 18.1377% | 2,094 |
| Memoranda: | ||
| Average total assets | $992,422,500 | 770 |
| Average earning assets | $953,135,500 | 737 |
| Average equity | $124,376,000 | 693 |
| Average total loans | $854,321,000 | 651 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 512 |
| Cost of funding earning assets | 1.0429% | 376 |
| Net interest margin | 4.2068% | 1,277 |
| Noninterest income to average assets | 0.1405% | 5,115 |
| Noninterest expense to average assets | 1.7843% | 5,115 |
| Loan and lease loss provision to assets | 0.2689% | 563 |
| Net operating income to assets | 1.6712% | 768 |
| Return on assets (ROA) | 1.6712% | 774 |
| Pretax return on assets | 2.1333% | 451 |
| Return on Equity (ROE) | 13.7584% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.7584% | 302 |
| Net charge-offs to loans | 0.3738% | 423 |
| Credit loss provision to net charge-offs | 83.0270% | 2,229 |
| Earnings coverage of net charge-offs (x) | 7.4179% | 2,548 |
| Efficiency ratio | 42.6202% | 5,323 |
| Assets per employee ($millions) | 6.8414% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,069 |
| Loan loss allowance to noncurrent loans | 62.3816% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.5127% | 349 |
| Noncurrent loans to loans | 2.5909% | 490 |
| Net loans and leases to total assets | 82.8408% | 604 |
| Net loans and leases to deposits | 96.0726% | 1,130 |
| Net loans and leases to core deposits | 110.1445% | 990 |
| Total domestic deposits to total assets | 86.2273% | 2,179 |
| Equity capital to assets | 12.7634% | 1,412 |
| Core capital (leverage) ratio | 12.5022% | 1,436 |
| Tier 1 risk-based capital ratio | 16.0504% | 2,418 |
| Total risk-based capital ratio | 17.3081% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,007,916,670 | 756 |
| Average earning assets | $969,393,330 | 726 |
| Average equity | $122,426,670 | 700 |
| Average total loans | $873,123,000 | 629 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2061% | 483 |
| Cost of funding earning assets | 0.9489% | 471 |
| Net interest margin | 4.2571% | 1,029 |
| Noninterest income to average assets | 0.1756% | 4,972 |
| Noninterest expense to average assets | 1.7427% | 5,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8238% | 538 |
| Return on assets (ROA) | 1.8238% | 540 |
| Pretax return on assets | 2.5346% | 200 |
| Return on Equity (ROE) | 15.3972% | 730 |
| Retained earnings to average equity (ytd only) | 15.3972% | 294 |
| Net charge-offs to loans | 0.0892% | 1,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 32.3467% | 1,197 |
| Efficiency ratio | 40.7438% | 5,441 |
| Assets per employee ($millions) | 7.4735% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 1,265 |
| Loan loss allowance to noncurrent loans | 57.1826% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.3928% | 401 |
| Noncurrent loans to loans | 2.7232% | 464 |
| Net loans and leases to total assets | 84.4527% | 390 |
| Net loans and leases to deposits | 100.3946% | 677 |
| Net loans and leases to core deposits | 117.3316% | 677 |
| Total domestic deposits to total assets | 84.1207% | 3,275 |
| Equity capital to assets | 12.0687% | 1,733 |
| Core capital (leverage) ratio | 12.1345% | 1,568 |
| Tier 1 risk-based capital ratio | 14.9678% | 2,878 |
| Total risk-based capital ratio | 16.2251% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,015,876,500 | 753 |
| Average earning assets | $978,783,500 | 725 |
| Average equity | $120,333,500 | 714 |
| Average total loans | $892,045,500 | 618 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3023% | 366 |
| Cost of funding earning assets | 0.8824% | 415 |
| Net interest margin | 4.4199% | 730 |
| Noninterest income to average assets | 0.1411% | 5,243 |
| Noninterest expense to average assets | 1.5894% | 5,422 |
| Loan and lease loss provision to assets | 0.4706% | 285 |
| Net operating income to assets | 1.5595% | 703 |
| Return on assets (ROA) | 1.5665% | 707 |
| Pretax return on assets | 2.3698% | 231 |
| Return on Equity (ROE) | 13.8115% | 786 |
| Retained earnings to average equity (ytd only) | 13.8115% | 113 |
| Net charge-offs to loans | 0.3918% | 640 |
| Credit loss provision to net charge-offs | 131.8169% | 2,003 |
| Earnings coverage of net charge-offs (x) | 7.9265% | 2,974 |
| Efficiency ratio | 35.9661% | 5,581 |
| Assets per employee ($millions) | 7.4788% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,688 |
| Loan loss allowance to noncurrent loans | 58.3776% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.1852% | 482 |
| Noncurrent loans to loans | 2.4324% | 566 |
| Net loans and leases to total assets | 88.5604% | 113 |
| Net loans and leases to deposits | 105.0690% | 444 |
| Net loans and leases to core deposits | 122.6020% | 506 |
| Total domestic deposits to total assets | 84.2878% | 3,099 |
| Equity capital to assets | 11.7714% | 1,989 |
| Core capital (leverage) ratio | 11.5689% | 1,895 |
| Tier 1 risk-based capital ratio | 13.5664% | 3,591 |
| Total risk-based capital ratio | 14.8211% | 3,501 |
| Memoranda: | ||
| Average total assets | $979,000,600 | 759 |
| Average earning assets | $947,572,000 | 711 |
| Average equity | $111,037,800 | 743 |
| Average total loans | $891,988,000 | 594 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 393 |
| Cost of funding earning assets | 0.8555% | 441 |
| Net interest margin | 4.3812% | 758 |
| Noninterest income to average assets | 0.1430% | 5,294 |
| Noninterest expense to average assets | 1.4628% | 5,544 |
| Loan and lease loss provision to assets | 0.5043% | 231 |
| Net operating income to assets | 1.5338% | 832 |
| Return on assets (ROA) | 1.5402% | 841 |
| Pretax return on assets | 2.4274% | 240 |
| Return on Equity (ROE) | 13.7142% | 892 |
| Retained earnings to average equity (ytd only) | 13.7142% | 170 |
| Net charge-offs to loans | 0.4721% | 440 |
| Credit loss provision to net charge-offs | 116.8206% | 2,049 |
| Earnings coverage of net charge-offs (x) | 6.7678% | 2,946 |
| Efficiency ratio | 33.3626% | 5,672 |
| Assets per employee ($millions) | 7.8221% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,416 |
| Loan loss allowance to noncurrent loans | 68.2341% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7198% | 834 |
| Noncurrent loans to loans | 1.8883% | 923 |
| Net loans and leases to total assets | 89.9059% | 87 |
| Net loans and leases to deposits | 106.6774% | 382 |
| Net loans and leases to core deposits | 125.8944% | 413 |
| Total domestic deposits to total assets | 84.2783% | 3,007 |
| Equity capital to assets | 10.9493% | 2,912 |
| Core capital (leverage) ratio | 11.2385% | 2,231 |
| Tier 1 risk-based capital ratio | 12.4457% | 4,354 |
| Total risk-based capital ratio | 13.6985% | 4,259 |
| Memoranda: | ||
| Average total assets | $969,470,250 | 770 |
| Average earning assets | $938,526,250 | 724 |
| Average equity | $108,877,500 | 756 |
| Average total loans | $886,561,000 | 598 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 450 |
| Cost of funding earning assets | 0.8291% | 450 |
| Net interest margin | 4.2879% | 889 |
| Noninterest income to average assets | 0.1376% | 5,365 |
| Noninterest expense to average assets | 1.5011% | 5,571 |
| Loan and lease loss provision to assets | 0.6760% | 162 |
| Net operating income to assets | 1.3280% | 1,223 |
| Return on assets (ROA) | 1.3280% | 1,247 |
| Pretax return on assets | 2.1089% | 435 |
| Return on Equity (ROE) | 11.6564% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.6564% | 355 |
| Net charge-offs to loans | 0.7181% | 268 |
| Credit loss provision to net charge-offs | 102.7769% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.2341% | 2,960 |
| Efficiency ratio | 35.0230% | 5,705 |
| Assets per employee ($millions) | 7.6775% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,486 |
| Loan loss allowance to noncurrent loans | 62.1296% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.8836% | 706 |
| Noncurrent loans to loans | 2.0691% | 806 |
| Net loans and leases to total assets | 89.8676% | 82 |
| Net loans and leases to deposits | 105.7571% | 406 |
| Net loans and leases to core deposits | 117.3459% | 672 |
| Total domestic deposits to total assets | 84.9755% | 2,825 |
| Equity capital to assets | 10.8343% | 2,994 |
| Core capital (leverage) ratio | 11.4178% | 2,030 |
| Tier 1 risk-based capital ratio | 12.1091% | 4,564 |
| Total risk-based capital ratio | 13.3619% | 4,439 |
| Memoranda: | ||
| Average total assets | $941,709,330 | 799 |
| Average earning assets | $911,083,000 | 753 |
| Average equity | $107,289,000 | 767 |
| Average total loans | $862,551,330 | 613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 457 |
| Cost of funding earning assets | 0.8145% | 446 |
| Net interest margin | 4.2701% | 851 |
| Noninterest income to average assets | 0.2359% | 4,854 |
| Noninterest expense to average assets | 1.5224% | 5,623 |
| Loan and lease loss provision to assets | 0.4652% | 224 |
| Net operating income to assets | 1.4940% | 818 |
| Return on assets (ROA) | 1.4940% | 844 |
| Pretax return on assets | 2.3774% | 263 |
| Return on Equity (ROE) | 12.7591% | 1,051 |
| Retained earnings to average equity (ytd only) | 12.7591% | 399 |
| Net charge-offs to loans | -0.0019% | 4,008 |
| Credit loss provision to net charge-offs | -26,225.0000% | 4,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8776% | 5,769 |
| Assets per employee ($millions) | 7.3751% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,714 |
| Loan loss allowance to noncurrent loans | 88.0745% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.5658% | 1,003 |
| Noncurrent loans to loans | 1.6977% | 1,126 |
| Net loans and leases to total assets | 90.8540% | 39 |
| Net loans and leases to deposits | 106.1740% | 316 |
| Net loans and leases to core deposits | 117.4931% | 539 |
| Total domestic deposits to total assets | 85.5709% | 2,852 |
| Equity capital to assets | 11.4686% | 2,202 |
| Core capital (leverage) ratio | 12.0803% | 1,578 |
| Tier 1 risk-based capital ratio | 12.7822% | 4,209 |
| Total risk-based capital ratio | 14.0376% | 4,105 |
| Memoranda: | ||
| Average total assets | $902,009,000 | 840 |
| Average earning assets | $872,200,500 | 794 |
| Average equity | $105,618,500 | 776 |
| Average total loans | $829,028,500 | 638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2288% | 396 |
| Cost of funding earning assets | 0.8592% | 367 |
| Net interest margin | 4.3697% | 822 |
| Noninterest income to average assets | 0.2124% | 5,146 |
| Noninterest expense to average assets | 1.7010% | 5,567 |
| Loan and lease loss provision to assets | 0.3789% | 426 |
| Net operating income to assets | 1.5169% | 800 |
| Return on assets (ROA) | 1.5396% | 793 |
| Pretax return on assets | 2.4203% | 223 |
| Return on Equity (ROE) | 15.2561% | 596 |
| Retained earnings to average equity (ytd only) | 15.2561% | 102 |
| Net charge-offs to loans | 0.0256% | 3,526 |
| Credit loss provision to net charge-offs | 1,607.7348% | 271 |
| Earnings coverage of net charge-offs (x) | 117.2652% | 515 |
| Efficiency ratio | 38.0979% | 5,813 |
| Assets per employee ($millions) | 7.0536% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,692 |
| Loan loss allowance to noncurrent loans | 80.5978% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 909 |
| Noncurrent loans to loans | 1.8535% | 1,013 |
| Net loans and leases to total assets | 90.1687% | 66 |
| Net loans and leases to deposits | 104.8253% | 395 |
| Net loans and leases to core deposits | 116.5462% | 594 |
| Total domestic deposits to total assets | 86.0180% | 2,576 |
| Equity capital to assets | 11.9812% | 1,822 |
| Core capital (leverage) ratio | 12.2592% | 1,451 |
| Tier 1 risk-based capital ratio | 13.2998% | 3,897 |
| Total risk-based capital ratio | 14.5552% | 3,804 |
| Memoranda: | ||
| Average total assets | $767,949,200 | 938 |
| Average earning assets | $747,354,400 | 893 |
| Average equity | $77,496,800 | 1,026 |
| Average total loans | $706,540,000 | 715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2643% | 391 |
| Cost of funding earning assets | 0.8588% | 364 |
| Net interest margin | 4.4055% | 768 |
| Noninterest income to average assets | 0.2081% | 5,223 |
| Noninterest expense to average assets | 1.7007% | 5,611 |
| Loan and lease loss provision to assets | 0.3610% | 436 |
| Net operating income to assets | 1.5682% | 771 |
| Return on assets (ROA) | 1.5993% | 771 |
| Pretax return on assets | 2.4917% | 220 |
| Return on Equity (ROE) | 16.7650% | 466 |
| Retained earnings to average equity (ytd only) | 16.7650% | 91 |
| Net charge-offs to loans | -0.0004% | 4,413 |
| Credit loss provision to net charge-offs | -100,600.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7534% | 5,869 |
| Assets per employee ($millions) | 7.0002% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,848 |
| Loan loss allowance to noncurrent loans | 70.2565% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 831 |
| Noncurrent loans to loans | 2.1034% | 913 |
| Net loans and leases to total assets | 89.9869% | 71 |
| Net loans and leases to deposits | 105.4734% | 391 |
| Net loans and leases to core deposits | 117.6975% | 585 |
| Total domestic deposits to total assets | 85.3172% | 2,669 |
| Equity capital to assets | 12.2793% | 1,913 |
| Core capital (leverage) ratio | 12.6581% | 1,331 |
| Tier 1 risk-based capital ratio | 13.7833% | 3,681 |
| Total risk-based capital ratio | 15.0387% | 3,606 |
| Memoranda: | ||
| Average total assets | $743,037,750 | 971 |
| Average earning assets | $724,683,000 | 916 |
| Average equity | $70,884,000 | 1,111 |
| Average total loans | $684,634,250 | 729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 355 |
| Cost of funding earning assets | 0.8542% | 369 |
| Net interest margin | 4.4527% | 684 |
| Noninterest income to average assets | 0.2304% | 5,107 |
| Noninterest expense to average assets | 1.7563% | 5,639 |
| Loan and lease loss provision to assets | 0.3402% | 482 |
| Net operating income to assets | 1.6020% | 721 |
| Return on assets (ROA) | 1.6347% | 710 |
| Pretax return on assets | 2.5243% | 209 |
| Return on Equity (ROE) | 19.2646% | 281 |
| Retained earnings to average equity (ytd only) | 19.2646% | 69 |
| Net charge-offs to loans | 0.0236% | 3,016 |
| Credit loss provision to net charge-offs | 1,560.2564% | 257 |
| Earnings coverage of net charge-offs (x) | 129.0513% | 463 |
| Efficiency ratio | 38.4267% | 5,936 |
| Assets per employee ($millions) | 6.4824% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,005 |
| Loan loss allowance to noncurrent loans | 289.6532% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 3,655 |
| Noncurrent loans to loans | 0.5057% | 3,569 |
| Net loans and leases to total assets | 91.1158% | 36 |
| Net loans and leases to deposits | 103.0651% | 507 |
| Net loans and leases to core deposits | 114.8651% | 689 |
| Total domestic deposits to total assets | 88.4060% | 1,222 |
| Equity capital to assets | 8.4126% | 5,649 |
| Core capital (leverage) ratio | 8.5166% | 5,351 |
| Tier 1 risk-based capital ratio | 9.2276% | 5,982 |
| Total risk-based capital ratio | 10.4830% | 5,973 |
| Memoranda: | ||
| Average total assets | $715,375,330 | 1,006 |
| Average earning assets | $697,286,000 | 955 |
| Average equity | $60,702,000 | 1,288 |
| Average total loans | $661,358,000 | 747 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 335 |
| Cost of funding earning assets | 0.8474% | 394 |
| Net interest margin | 4.4855% | 623 |
| Noninterest income to average assets | 0.2923% | 4,630 |
| Noninterest expense to average assets | 1.7456% | 5,709 |
| Loan and lease loss provision to assets | 0.3678% | 397 |
| Net operating income to assets | 1.7477% | 515 |
| Return on assets (ROA) | 1.8062% | 493 |
| Pretax return on assets | 2.6335% | 193 |
| Return on Equity (ROE) | 21.1866% | 190 |
| Retained earnings to average equity (ytd only) | 21.1866% | 72 |
| Net charge-offs to loans | 0.0493% | 2,055 |
| Credit loss provision to net charge-offs | 807.5949% | 431 |
| Earnings coverage of net charge-offs (x) | 64.0380% | 744 |
| Efficiency ratio | 37.4428% | 6,010 |
| Assets per employee ($millions) | 6.4148% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 2,147 |
| Loan loss allowance to noncurrent loans | 598.3333% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 4,657 |
| Noncurrent loans to loans | 0.2445% | 4,557 |
| Net loans and leases to total assets | 90.8868% | 46 |
| Net loans and leases to deposits | 103.3028% | 445 |
| Net loans and leases to core deposits | 113.5761% | 685 |
| Total domestic deposits to total assets | 87.9810% | 1,653 |
| Equity capital to assets | 8.4705% | 5,586 |
| Core capital (leverage) ratio | 8.6413% | 5,248 |
| Tier 1 risk-based capital ratio | 9.3650% | 6,023 |
| Total risk-based capital ratio | 10.6203% | 6,013 |
| Memoranda: | ||
| Average total assets | $693,841,000 | 1,034 |
| Average earning assets | $675,963,000 | 988 |
| Average equity | $59,150,500 | 1,308 |
| Average total loans | $641,369,000 | 772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 500 |
| Cost of funding earning assets | 0.8409% | 393 |
| Net interest margin | 4.2746% | 1,012 |
| Noninterest income to average assets | 0.1228% | 5,797 |
| Noninterest expense to average assets | 1.8200% | 5,712 |
| Loan and lease loss provision to assets | 0.4350% | 287 |
| Net operating income to assets | 1.2818% | 1,314 |
| Return on assets (ROA) | 1.2830% | 1,351 |
| Pretax return on assets | 2.0287% | 506 |
| Return on Equity (ROE) | 14.9337% | 692 |
| Retained earnings to average equity (ytd only) | 14.9337% | 134 |
| Net charge-offs to loans | 0.0245% | 3,762 |
| Credit loss provision to net charge-offs | 1,963.3588% | 178 |
| Earnings coverage of net charge-offs (x) | 111.1145% | 530 |
| Efficiency ratio | 42.5073% | 6,014 |
| Assets per employee ($millions) | 6.1299% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 2,120 |
| Loan loss allowance to noncurrent loans | 554.6448% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 4,607 |
| Noncurrent loans to loans | 0.2656% | 4,494 |
| Net loans and leases to total assets | 91.4343% | 34 |
| Net loans and leases to deposits | 103.8154% | 452 |
| Net loans and leases to core deposits | 113.5877% | 702 |
| Total domestic deposits to total assets | 88.0739% | 1,589 |
| Equity capital to assets | 8.6032% | 5,464 |
| Core capital (leverage) ratio | 8.8023% | 5,107 |
| Tier 1 risk-based capital ratio | 9.4509% | 6,053 |
| Total risk-based capital ratio | 10.7058% | 6,036 |
| Memoranda: | ||
| Average total assets | $591,325,600 | 1,154 |
| Average earning assets | $575,306,000 | 1,080 |
| Average equity | $50,804,600 | 1,459 |
| Average total loans | $535,683,600 | 875 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 563 |
| Cost of funding earning assets | 0.8334% | 415 |
| Net interest margin | 4.2179% | 1,125 |
| Noninterest income to average assets | 0.1251% | 5,847 |
| Noninterest expense to average assets | 1.9061% | 5,628 |
| Loan and lease loss provision to assets | 0.4202% | 275 |
| Net operating income to assets | 1.2217% | 1,578 |
| Return on assets (ROA) | 1.2235% | 1,635 |
| Pretax return on assets | 1.9026% | 713 |
| Return on Equity (ROE) | 14.2461% | 854 |
| Retained earnings to average equity (ytd only) | 14.2461% | 196 |
| Net charge-offs to loans | 0.0407% | 3,074 |
| Credit loss provision to net charge-offs | 1,148.4076% | 327 |
| Earnings coverage of net charge-offs (x) | 63.4071% | 879 |
| Efficiency ratio | 45.1031% | 5,999 |
| Assets per employee ($millions) | 5.7772% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 2,372 |
| Loan loss allowance to noncurrent loans | 463.2778% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,632 |
| Noncurrent loans to loans | 0.3129% | 4,476 |
| Net loans and leases to total assets | 89.2247% | 84 |
| Net loans and leases to deposits | 100.7106% | 628 |
| Net loans and leases to core deposits | 110.0043% | 876 |
| Total domestic deposits to total assets | 88.5951% | 1,244 |
| Equity capital to assets | 8.2362% | 5,855 |
| Core capital (leverage) ratio | 8.5942% | 5,469 |
| Tier 1 risk-based capital ratio | 9.0781% | 6,186 |
| Total risk-based capital ratio | 10.3323% | 6,173 |
| Memoranda: | ||
| Average total assets | $572,116,500 | 1,197 |
| Average earning assets | $556,251,250 | 1,134 |
| Average equity | $49,135,000 | 1,523 |
| Average total loans | $514,588,500 | 909 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 601 |
| Cost of funding earning assets | 0.8287% | 432 |
| Net interest margin | 4.1683% | 1,174 |
| Noninterest income to average assets | 0.1263% | 5,917 |
| Noninterest expense to average assets | 1.9870% | 5,552 |
| Loan and lease loss provision to assets | 0.3931% | 309 |
| Net operating income to assets | 1.1336% | 1,826 |
| Return on assets (ROA) | 1.1336% | 1,909 |
| Pretax return on assets | 1.7957% | 903 |
| Return on Equity (ROE) | 12.9945% | 1,115 |
| Retained earnings to average equity (ytd only) | 12.9945% | 308 |
| Net charge-offs to loans | -0.0004% | 4,546 |
| Credit loss provision to net charge-offs | -108,300.0000% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5834% | 5,982 |
| Assets per employee ($millions) | 5.6049% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 2,490 |
| Loan loss allowance to noncurrent loans | 357.7737% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 4,430 |
| Noncurrent loans to loans | 0.4064% | 4,259 |
| Net loans and leases to total assets | 88.7208% | 106 |
| Net loans and leases to deposits | 100.0214% | 656 |
| Net loans and leases to core deposits | 109.3295% | 872 |
| Total domestic deposits to total assets | 88.7018% | 1,296 |
| Equity capital to assets | 8.3458% | 5,800 |
| Core capital (leverage) ratio | 8.7329% | 5,288 |
| Tier 1 risk-based capital ratio | 9.2310% | 6,234 |
| Total risk-based capital ratio | 10.2844% | 6,232 |
| Memoranda: | ||
| Average total assets | $550,992,000 | 1,244 |
| Average earning assets | $535,282,330 | 1,184 |
| Average equity | $48,066,670 | 1,561 |
| Average total loans | $494,333,670 | 951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9327% | 648 |
| Cost of funding earning assets | 0.8165% | 458 |
| Net interest margin | 4.1162% | 1,239 |
| Noninterest income to average assets | 0.1269% | 5,966 |
| Noninterest expense to average assets | 1.9561% | 5,650 |
| Loan and lease loss provision to assets | 0.3234% | 424 |
| Net operating income to assets | 1.1597% | 1,667 |
| Return on assets (ROA) | 1.1597% | 1,774 |
| Pretax return on assets | 1.8465% | 799 |
| Return on Equity (ROE) | 12.9788% | 1,095 |
| Retained earnings to average equity (ytd only) | 12.9788% | 448 |
| Net charge-offs to loans | -0.0008% | 4,318 |
| Credit loss provision to net charge-offs | -42,800.0000% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4089% | 6,045 |
| Assets per employee ($millions) | 5.5345% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,625 |
| Loan loss allowance to noncurrent loans | 358.2998% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,558 |
| Noncurrent loans to loans | 0.4073% | 4,373 |
| Net loans and leases to total assets | 87.7918% | 116 |
| Net loans and leases to deposits | 100.1547% | 553 |
| Net loans and leases to core deposits | 109.4913% | 770 |
| Total domestic deposits to total assets | 87.6562% | 2,010 |
| Equity capital to assets | 8.7896% | 5,509 |
| Core capital (leverage) ratio | 9.1497% | 4,789 |
| Tier 1 risk-based capital ratio | 10.0643% | 6,157 |
| Total risk-based capital ratio | 11.0736% | 6,174 |
| Memoranda: | ||
| Average total assets | $529,428,000 | 1,290 |
| Average earning assets | $514,363,000 | 1,239 |
| Average equity | $47,308,000 | 1,587 |
| Average total loans | $474,057,500 | 982 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 583 |
| Cost of funding earning assets | 0.8268% | 566 |
| Net interest margin | 4.3132% | 1,029 |
| Noninterest income to average assets | 0.1649% | 5,875 |
| Noninterest expense to average assets | 2.1692% | 5,411 |
| Loan and lease loss provision to assets | 0.6172% | 223 |
| Net operating income to assets | 0.9312% | 2,718 |
| Return on assets (ROA) | 0.9317% | 2,805 |
| Pretax return on assets | 1.5499% | 1,385 |
| Return on Equity (ROE) | 8.8871% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.3752% | 1,722 |
| Net charge-offs to loans | -0.0111% | 5,579 |
| Credit loss provision to net charge-offs | -6,392.5000% | 6,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0334% | 6,092 |
| Assets per employee ($millions) | 5.4384% | 1,820 |
| Cash dividends to net income (ytd only)* | 28.2642% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 2,670 |
| Loan loss allowance to noncurrent loans | 454.4467% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 4,882 |
| Noncurrent loans to loans | 0.3202% | 4,694 |
| Net loans and leases to total assets | 88.6666% | 93 |
| Net loans and leases to deposits | 100.9065% | 572 |
| Net loans and leases to core deposits | 110.4470% | 756 |
| Total domestic deposits to total assets | 87.8701% | 1,837 |
| Equity capital to assets | 8.7641% | 5,520 |
| Core capital (leverage) ratio | 8.6555% | 5,387 |
| Tier 1 risk-based capital ratio | 9.9296% | 6,277 |
| Total risk-based capital ratio | 11.1826% | 6,232 |
| Memoranda: | ||
| Average total assets | $414,292,600 | 1,594 |
| Average earning assets | $400,603,600 | 1,523 |
| Average equity | $43,433,600 | 1,657 |
| Average total loans | $361,275,200 | 1,229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 650 |
| Cost of funding earning assets | 0.8251% | 609 |
| Net interest margin | 4.2699% | 1,114 |
| Noninterest income to average assets | 0.1750% | 5,869 |
| Noninterest expense to average assets | 2.2331% | 5,275 |
| Loan and lease loss provision to assets | 0.5401% | 269 |
| Net operating income to assets | 0.9405% | 2,730 |
| Return on assets (ROA) | 0.9414% | 2,813 |
| Pretax return on assets | 1.5266% | 1,560 |
| Return on Equity (ROE) | 8.5212% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.5212% | 1,144 |
| Net charge-offs to loans | -0.0147% | 5,531 |
| Credit loss provision to net charge-offs | -4,270.2703% | 6,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9523% | 5,993 |
| Assets per employee ($millions) | 5.2883% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 2,337 |
| Loan loss allowance to noncurrent loans | 424.5602% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,955 |
| Noncurrent loans to loans | 0.3742% | 4,785 |
| Net loans and leases to total assets | 86.4638% | 169 |
| Net loans and leases to deposits | 98.8685% | 679 |
| Net loans and leases to core deposits | 109.0415% | 793 |
| Total domestic deposits to total assets | 87.4534% | 2,058 |
| Equity capital to assets | 9.9209% | 4,271 |
| Core capital (leverage) ratio | 10.3384% | 3,238 |
| Tier 1 risk-based capital ratio | 11.3927% | 5,841 |
| Total risk-based capital ratio | 12.6454% | 5,773 |
| Memoranda: | ||
| Average total assets | $390,063,750 | 1,692 |
| Average earning assets | $376,674,250 | 1,617 |
| Average equity | $43,091,250 | 1,676 |
| Average total loans | $336,602,750 | 1,302 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 648 |
| Cost of funding earning assets | 0.8070% | 677 |
| Net interest margin | 4.2684% | 1,097 |
| Noninterest income to average assets | 0.1858% | 5,840 |
| Noninterest expense to average assets | 2.3141% | 5,121 |
| Loan and lease loss provision to assets | 0.5034% | 296 |
| Net operating income to assets | 0.9650% | 2,477 |
| Return on assets (ROA) | 0.9664% | 2,560 |
| Pretax return on assets | 1.4844% | 1,585 |
| Return on Equity (ROE) | 8.4010% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.4010% | 1,175 |
| Net charge-offs to loans | -0.0240% | 5,600 |
| Credit loss provision to net charge-offs | -2,452.6316% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8191% | 5,923 |
| Assets per employee ($millions) | 5.0739% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,460 |
| Loan loss allowance to noncurrent loans | 31,266.6667% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,256 |
| Noncurrent loans to loans | 0.0051% | 6,083 |
| Net loans and leases to total assets | 84.2178% | 283 |
| Net loans and leases to deposits | 97.3708% | 709 |
| Net loans and leases to core deposits | 107.8573% | 778 |
| Total domestic deposits to total assets | 86.4919% | 2,761 |
| Equity capital to assets | 10.5988% | 3,314 |
| Core capital (leverage) ratio | 11.1601% | 2,285 |
| Tier 1 risk-based capital ratio | 12.5411% | 5,204 |
| Total risk-based capital ratio | 13.7957% | 5,126 |
| Memoranda: | ||
| Average total assets | $370,249,330 | 1,773 |
| Average earning assets | $356,858,000 | 1,696 |
| Average equity | $42,590,000 | 1,678 |
| Average total loans | $317,158,330 | 1,370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 801 |
| Cost of funding earning assets | 0.7912% | 780 |
| Net interest margin | 4.1496% | 1,347 |
| Noninterest income to average assets | 0.2778% | 5,150 |
| Noninterest expense to average assets | 2.3357% | 5,110 |
| Loan and lease loss provision to assets | 0.3498% | 506 |
| Net operating income to assets | 1.1375% | 1,674 |
| Return on assets (ROA) | 1.1375% | 1,743 |
| Pretax return on assets | 1.5857% | 1,202 |
| Return on Equity (ROE) | 9.4526% | 2,269 |
| Retained earnings to average equity (ytd only) | 9.4526% | 1,123 |
| Net charge-offs to loans | -0.0280% | 5,519 |
| Credit loss provision to net charge-offs | -1,457.1429% | 5,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6842% | 5,954 |
| Assets per employee ($millions) | 5.0390% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 2,658 |
| Loan loss allowance to noncurrent loans | 440.4594% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 5,200 |
| Noncurrent loans to loans | 0.3651% | 5,031 |
| Net loans and leases to total assets | 85.2652% | 175 |
| Net loans and leases to deposits | 100.6563% | 412 |
| Net loans and leases to core deposits | 110.6515% | 564 |
| Total domestic deposits to total assets | 84.7093% | 3,995 |
| Equity capital to assets | 11.9232% | 1,925 |
| Core capital (leverage) ratio | 12.1640% | 1,562 |
| Tier 1 risk-based capital ratio | 13.8139% | 4,459 |
| Total risk-based capital ratio | 15.0687% | 4,405 |
| Memoranda: | ||
| Average total assets | $349,879,500 | 1,874 |
| Average earning assets | $336,709,500 | 1,792 |
| Average equity | $42,105,000 | 1,697 |
| Average total loans | $299,860,500 | 1,441 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 934 |
| Cost of funding earning assets | 0.8230% | 1,079 |
| Net interest margin | 4.1668% | 1,450 |
| Noninterest income to average assets | 0.3252% | 5,005 |
| Noninterest expense to average assets | 2.5666% | 4,562 |
| Loan and lease loss provision to assets | 0.6032% | 414 |
| Net operating income to assets | 1.2703% | 1,334 |
| Return on assets (ROA) | 1.2703% | 1,391 |
| Pretax return on assets | 1.1989% | 2,587 |
| Return on Equity (ROE) | 10.5689% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.5689% | 480 |
| Net charge-offs to loans | 0.0845% | 4,026 |
| Credit loss provision to net charge-offs | 824.1379% | 301 |
| Earnings coverage of net charge-offs (x) | 24.6207% | 1,355 |
| Efficiency ratio | 58.7488% | 5,644 |
| Assets per employee ($millions) | 5.0292% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 2,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 5,856 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 83.3429% | 300 |
| Net loans and leases to deposits | 99.1740% | 521 |
| Net loans and leases to core deposits | 107.7189% | 711 |
| Total domestic deposits to total assets | 84.0371% | 4,157 |
| Equity capital to assets | 12.1502% | 1,713 |
| Core capital (leverage) ratio | 13.0203% | 1,136 |
| Tier 1 risk-based capital ratio | 14.1190% | 4,214 |
| Total risk-based capital ratio | 15.3731% | 4,161 |
| Memoranda: | ||
| Average total assets | $277,333,800 | 2,291 |
| Average earning assets | $269,125,000 | 2,187 |
| Average equity | $33,333,600 | 2,068 |
| Average total loans | $240,121,400 | 1,723 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 913 |
| Cost of funding earning assets | 0.8345% | 1,128 |
| Net interest margin | 4.1823% | 1,388 |
| Noninterest income to average assets | 0.3140% | 5,193 |
| Noninterest expense to average assets | 2.5234% | 4,644 |
| Loan and lease loss provision to assets | 0.5871% | 422 |
| Net operating income to assets | 1.1609% | 1,774 |
| Return on assets (ROA) | 1.1609% | 1,840 |
| Pretax return on assets | 1.2742% | 2,432 |
| Return on Equity (ROE) | 9.6931% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.6931% | 857 |
| Net charge-offs to loans | 0.1229% | 3,312 |
| Credit loss provision to net charge-offs | 547.6190% | 515 |
| Earnings coverage of net charge-offs (x) | 17.3621% | 1,735 |
| Efficiency ratio | 57.5504% | 5,743 |
| Assets per employee ($millions) | 5.3263% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,939 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 85.4948% | 171 |
| Net loans and leases to deposits | 102.4679% | 356 |
| Net loans and leases to core deposits | 110.7568% | 551 |
| Total domestic deposits to total assets | 83.4357% | 4,397 |
| Equity capital to assets | 13.0505% | 1,313 |
| Core capital (leverage) ratio | 14.0231% | 864 |
| Tier 1 risk-based capital ratio | 14.9734% | 3,766 |
| Total risk-based capital ratio | 16.2268% | 3,714 |
| Memoranda: | ||
| Average total assets | $261,170,500 | 2,445 |
| Average earning assets | $254,204,750 | 2,299 |
| Average equity | $31,279,000 | 2,189 |
| Average total loans | $227,731,750 | 1,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 946 |
| Cost of funding earning assets | 0.8522% | 1,128 |
| Net interest margin | 4.1241% | 1,481 |
| Noninterest income to average assets | 0.3295% | 5,056 |
| Noninterest expense to average assets | 2.5484% | 4,571 |
| Loan and lease loss provision to assets | 0.4926% | 565 |
| Net operating income to assets | 1.3097% | 1,302 |
| Return on assets (ROA) | 1.3097% | 1,384 |
| Pretax return on assets | 1.3097% | 2,265 |
| Return on Equity (ROE) | 11.3632% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.3632% | 586 |
| Net charge-offs to loans | -0.0168% | 5,909 |
| Credit loss provision to net charge-offs | -3,355.5556% | 6,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5754% | 5,657 |
| Assets per employee ($millions) | 5.6708% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 3,046 |
| Loan loss allowance to noncurrent loans | 282.8508% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 5,003 |
| Noncurrent loans to loans | 0.5763% | 4,819 |
| Net loans and leases to total assets | 86.2644% | 138 |
| Net loans and leases to deposits | 101.2328% | 366 |
| Net loans and leases to core deposits | 109.6864% | 574 |
| Total domestic deposits to total assets | 85.2138% | 3,788 |
| Equity capital to assets | 10.7941% | 2,947 |
| Core capital (leverage) ratio | 11.1562% | 2,210 |
| Tier 1 risk-based capital ratio | 12.2003% | 5,680 |
| Total risk-based capital ratio | 13.4478% | 5,625 |
| Memoranda: | ||
| Average total assets | $245,252,670 | 2,599 |
| Average earning assets | $239,133,000 | 2,453 |
| Average equity | $28,266,670 | 2,407 |
| Average total loans | $214,228,330 | 1,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 842 |
| Cost of funding earning assets | 0.8597% | 1,206 |
| Net interest margin | 4.1762% | 1,254 |
| Noninterest income to average assets | 0.3120% | 5,194 |
| Noninterest expense to average assets | 2.4414% | 4,975 |
| Loan and lease loss provision to assets | 0.4893% | 551 |
| Net operating income to assets | 1.4560% | 945 |
| Return on assets (ROA) | 1.4560% | 1,023 |
| Pretax return on assets | 1.4560% | 1,695 |
| Return on Equity (ROE) | 12.1933% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.1933% | 673 |
| Net charge-offs to loans | -0.0763% | 6,321 |
| Credit loss provision to net charge-offs | -735.8974% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6549% | 6,096 |
| Assets per employee ($millions) | 5.4049% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 3,229 |
| Loan loss allowance to noncurrent loans | 339.0927% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 5,328 |
| Noncurrent loans to loans | 0.4841% | 5,215 |
| Net loans and leases to total assets | 86.5526% | 109 |
| Net loans and leases to deposits | 101.6078% | 295 |
| Net loans and leases to core deposits | 109.7359% | 502 |
| Total domestic deposits to total assets | 85.1830% | 3,953 |
| Equity capital to assets | 11.6885% | 2,263 |
| Core capital (leverage) ratio | 12.0102% | 1,555 |
| Tier 1 risk-based capital ratio | 12.9996% | 5,215 |
| Total risk-based capital ratio | 14.2545% | 5,164 |
| Memoranda: | ||
| Average total assets | $234,616,000 | 2,729 |
| Average earning assets | $228,916,500 | 2,573 |
| Average equity | $28,015,500 | 2,443 |
| Average total loans | $204,479,000 | 1,990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 1,313 |
| Cost of funding earning assets | 0.9903% | 1,409 |
| Net interest margin | 4.1109% | 1,960 |
| Noninterest income to average assets | 0.3799% | 4,752 |
| Noninterest expense to average assets | 2.9504% | 3,463 |
| Loan and lease loss provision to assets | 1.0316% | 384 |
| Net operating income to assets | 0.4159% | 5,029 |
| Return on assets (ROA) | 0.4321% | 5,203 |
| Pretax return on assets | 0.4321% | 5,474 |
| Return on Equity (ROE) | 3.1543% | 5,491 |
| Retained earnings to average equity (ytd only) | 3.0933% | 4,057 |
| Net charge-offs to loans | 0.1857% | 3,895 |
| Credit loss provision to net charge-offs | 686.4583% | 361 |
| Earnings coverage of net charge-offs (x) | 9.6319% | 2,244 |
| Efficiency ratio | 67.0859% | 4,315 |
| Assets per employee ($millions) | 5.1366% | 2,057 |
| Cash dividends to net income (ytd only)* | 1.9324% | 4,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 3,166 |
| Loan loss allowance to noncurrent loans | 877.9614% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,155 |
| Noncurrent loans to loans | 0.1862% | 6,005 |
| Net loans and leases to total assets | 84.8383% | 181 |
| Net loans and leases to deposits | 100.0339% | 411 |
| Net loans and leases to core deposits | 108.9114% | 573 |
| Total domestic deposits to total assets | 84.8096% | 3,939 |
| Equity capital to assets | 12.2127% | 1,912 |
| Core capital (leverage) ratio | 12.0753% | 1,526 |
| Tier 1 risk-based capital ratio | 14.0155% | 4,374 |
| Total risk-based capital ratio | 15.2704% | 4,330 |
| Memoranda: | ||
| Average total assets | $191,635,600 | 3,157 |
| Average earning assets | $187,307,800 | 2,999 |
| Average equity | $26,250,000 | 2,545 |
| Average total loans | $155,079,400 | 2,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 1,482 |
| Cost of funding earning assets | 1.0041% | 1,532 |
| Net interest margin | 4.0737% | 2,199 |
| Noninterest income to average assets | 0.3598% | 4,945 |
| Noninterest expense to average assets | 2.8933% | 3,623 |
| Loan and lease loss provision to assets | 0.8115% | 577 |
| Net operating income to assets | 0.6359% | 4,208 |
| Return on assets (ROA) | 0.6650% | 4,335 |
| Pretax return on assets | 0.6650% | 4,970 |
| Return on Equity (ROE) | 4.6978% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.6155% | 3,656 |
| Net charge-offs to loans | 0.2646% | 3,132 |
| Credit loss provision to net charge-offs | 386.8056% | 699 |
| Earnings coverage of net charge-offs (x) | 6.8993% | 2,693 |
| Efficiency ratio | 66.6555% | 4,320 |
| Assets per employee ($millions) | 4.9237% | 2,290 |
| Cash dividends to net income (ytd only)* | 1.7522% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,649 |
| Loan loss allowance to noncurrent loans | 636.9863% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 6,273 |
| Noncurrent loans to loans | 0.2097% | 6,083 |
| Net loans and leases to total assets | 81.1099% | 422 |
| Net loans and leases to deposits | 95.7058% | 676 |
| Net loans and leases to core deposits | 104.5472% | 838 |
| Total domestic deposits to total assets | 84.7491% | 3,857 |
| Equity capital to assets | 13.0867% | 1,553 |
| Core capital (leverage) ratio | 13.2464% | 1,089 |
| Tier 1 risk-based capital ratio | 15.9062% | 3,321 |
| Total risk-based capital ratio | 17.1575% | 3,290 |
| Memoranda: | ||
| Average total assets | $183,041,750 | 3,297 |
| Average earning assets | $178,864,250 | 3,146 |
| Average equity | $25,912,000 | 2,598 |
| Average total loans | $145,116,500 | 2,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 1,790 |
| Cost of funding earning assets | 1.0305% | 1,579 |
| Net interest margin | 3.9695% | 2,635 |
| Noninterest income to average assets | 0.4058% | 4,607 |
| Noninterest expense to average assets | 2.9398% | 3,476 |
| Loan and lease loss provision to assets | 0.6917% | 803 |
| Net operating income to assets | 0.6468% | 4,128 |
| Return on assets (ROA) | 0.6929% | 4,166 |
| Pretax return on assets | 0.6929% | 4,846 |
| Return on Equity (ROE) | 4.7484% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.6220% | 3,534 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7146% | 3,996 |
| Assets per employee ($millions) | 4.9818% | 2,200 |
| Cash dividends to net income (ytd only)* | 2.6622% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,704 |
| Loan loss allowance to noncurrent loans | 161.1665% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 5,098 |
| Noncurrent loans to loans | 0.8317% | 4,854 |
| Net loans and leases to total assets | 79.5532% | 559 |
| Net loans and leases to deposits | 95.1216% | 686 |
| Net loans and leases to core deposits | 104.8837% | 800 |
| Total domestic deposits to total assets | 83.6332% | 4,471 |
| Equity capital to assets | 14.0496% | 1,080 |
| Core capital (leverage) ratio | 14.2739% | 742 |
| Tier 1 risk-based capital ratio | 17.3017% | 2,542 |
| Total risk-based capital ratio | 18.5530% | 2,510 |
| Memoranda: | ||
| Average total assets | $173,482,670 | 3,451 |
| Average earning assets | $169,239,000 | 3,281 |
| Average equity | $25,313,670 | 2,630 |
| Average total loans | $135,472,000 | 2,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 1,970 |
| Cost of funding earning assets | 1.0531% | 1,654 |
| Net interest margin | 3.9235% | 2,830 |
| Noninterest income to average assets | 0.3875% | 4,767 |
| Noninterest expense to average assets | 2.9188% | 3,542 |
| Loan and lease loss provision to assets | 0.6598% | 820 |
| Net operating income to assets | 0.6377% | 4,182 |
| Return on assets (ROA) | 0.6377% | 4,396 |
| Pretax return on assets | 0.6377% | 4,981 |
| Return on Equity (ROE) | 4.2760% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.0128% | 4,180 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2263% | 3,942 |
| Assets per employee ($millions) | 4.6377% | 2,753 |
| Cash dividends to net income (ytd only)* | 6.1538% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 77.8958% | 602 |
| Net loans and leases to deposits | 95.1949% | 586 |
| Net loans and leases to core deposits | 106.0244% | 668 |
| Total domestic deposits to total assets | 81.8277% | 5,353 |
| Equity capital to assets | 15.5977% | 639 |
| Core capital (leverage) ratio | 15.7424% | 497 |
| Tier 1 risk-based capital ratio | 19.2537% | 1,918 |
| Total risk-based capital ratio | 20.5056% | 1,887 |
| Memoranda: | ||
| Average total assets | $163,079,000 | 3,637 |
| Average earning assets | $159,143,500 | 3,454 |
| Average equity | $24,322,000 | 2,735 |
| Average total loans | $124,876,000 | 3,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8033% | 3,796 |
| Cost of funding earning assets | 1.1750% | 2,190 |
| Net interest margin | 3.6283% | 4,617 |
| Noninterest income to average assets | 0.2648% | 5,630 |
| Noninterest expense to average assets | 3.4877% | 2,013 |
| Loan and lease loss provision to assets | 0.6385% | 1,599 |
| Net operating income to assets | -0.3293% | 6,364 |
| Return on assets (ROA) | -0.0469% | 6,196 |
| Pretax return on assets | -0.0469% | 6,170 |
| Return on Equity (ROE) | -0.2597% | 6,190 |
| Retained earnings to average equity (ytd only) | -0.8857% | 5,985 |
| Net charge-offs to loans | 0.1781% | 4,725 |
| Credit loss provision to net charge-offs | 504.6358% | 451 |
| Earnings coverage of net charge-offs (x) | 2.4437% | 3,992 |
| Efficiency ratio | 91.8561% | 1,054 |
| Assets per employee ($millions) | 4.9859% | 2,219 |
| Cash dividends to net income (ytd only)* | -241.0714% | 7,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,854 |
| Loan loss allowance to noncurrent loans | 171.1187% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 5,554 |
| Noncurrent loans to loans | 0.7663% | 5,160 |
| Net loans and leases to total assets | 72.9927% | 1,454 |
| Net loans and leases to deposits | 85.8821% | 1,682 |
| Net loans and leases to core deposits | 95.8042% | 1,511 |
| Total domestic deposits to total assets | 84.9918% | 3,854 |
| Equity capital to assets | 14.1555% | 1,014 |
| Core capital (leverage) ratio | 14.2827% | 759 |
| Tier 1 risk-based capital ratio | 18.9059% | 1,932 |
| Total risk-based capital ratio | 20.1563% | 1,889 |
| Memoranda: | ||
| Average total assets | $119,334,600 | 4,415 |
| Average earning assets | $116,169,200 | 4,232 |
| Average equity | $21,564,800 | 2,939 |
| Average total loans | $84,785,400 | 4,006 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 4,764 |
| Cost of funding earning assets | 1.1882% | 2,400 |
| Net interest margin | 3.4379% | 5,434 |
| Noninterest income to average assets | 0.1894% | 6,239 |
| Noninterest expense to average assets | 3.6358% | 1,640 |
| Loan and lease loss provision to assets | 0.7093% | 1,353 |
| Net operating income to assets | -0.8155% | 6,803 |
| Return on assets (ROA) | -0.4101% | 6,639 |
| Pretax return on assets | -0.4101% | 6,573 |
| Return on Equity (ROE) | -2.1098% | 6,490 |
| Retained earnings to average equity (ytd only) | -2.5318% | 6,363 |
| Net charge-offs to loans | 0.2601% | 3,805 |
| Credit loss provision to net charge-offs | 389.4040% | 727 |
| Earnings coverage of net charge-offs (x) | -0.5828% | 5,857 |
| Efficiency ratio | 103.0075% | 579 |
| Assets per employee ($millions) | 4.6518% | 2,691 |
| Cash dividends to net income (ytd only)* | -19.9991% | 7,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,948 |
| Loan loss allowance to noncurrent loans | 43.8451% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.0956% | 3,035 |
| Noncurrent loans to loans | 2.9966% | 2,305 |
| Net loans and leases to total assets | 69.0133% | 2,271 |
| Net loans and leases to deposits | 82.4964% | 2,259 |
| Net loans and leases to core deposits | 88.7860% | 2,394 |
| Total domestic deposits to total assets | 83.6561% | 4,400 |
| Equity capital to assets | 14.9625% | 858 |
| Core capital (leverage) ratio | 16.0082% | 503 |
| Tier 1 risk-based capital ratio | 20.8695% | 1,480 |
| Total risk-based capital ratio | 22.0727% | 1,465 |
| Memoranda: | ||
| Average total assets | $110,527,750 | 4,655 |
| Average earning assets | $107,388,250 | 4,500 |
| Average equity | $21,486,250 | 2,954 |
| Average total loans | $77,402,250 | 4,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 5,043 |
| Cost of funding earning assets | 1.1409% | 2,965 |
| Net interest margin | 3.4413% | 5,403 |
| Noninterest income to average assets | 0.1793% | 6,375 |
| Noninterest expense to average assets | 3.8428% | 1,288 |
| Loan and lease loss provision to assets | 0.9627% | 920 |
| Net operating income to assets | -1.2850% | 7,029 |
| Return on assets (ROA) | -1.1621% | 7,002 |
| Pretax return on assets | -1.1621% | 6,952 |
| Return on Equity (ROE) | -5.3784% | 6,735 |
| Retained earnings to average equity (ytd only) | -5.6954% | 6,630 |
| Net charge-offs to loans | 0.4340% | 2,841 |
| Credit loss provision to net charge-offs | 316.5563% | 962 |
| Earnings coverage of net charge-offs (x) | -1.0596% | 5,641 |
| Efficiency ratio | 109.1533% | 487 |
| Assets per employee ($millions) | 3.9529% | 3,858 |
| Cash dividends to net income (ytd only)* | -5.8925% | 7,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,704 |
| Loan loss allowance to noncurrent loans | 111.4679% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 5,094 |
| Noncurrent loans to loans | 1.2334% | 4,602 |
| Net loans and leases to total assets | 71.1278% | 1,973 |
| Net loans and leases to deposits | 87.4188% | 1,588 |
| Net loans and leases to core deposits | 94.7052% | 1,822 |
| Total domestic deposits to total assets | 81.3645% | 5,398 |
| Equity capital to assets | 17.3943% | 441 |
| Core capital (leverage) ratio | 19.1391% | 271 |
| Tier 1 risk-based capital ratio | 23.3618% | 1,079 |
| Total risk-based capital ratio | 24.5717% | 1,064 |
| Memoranda: | ||
| Average total assets | $99,301,330 | 4,979 |
| Average earning assets | $96,416,000 | 4,800 |
| Average equity | $21,456,000 | 2,933 |
| Average total loans | $69,587,330 | 4,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 5,268 |
| Cost of funding earning assets | 1.0960% | 3,553 |
| Net interest margin | 3.4245% | 5,323 |
| Noninterest income to average assets | 0.0867% | 6,977 |
| Noninterest expense to average assets | 3.5857% | 1,800 |
| Loan and lease loss provision to assets | 0.2509% | 3,147 |
| Net operating income to assets | -0.4288% | 6,757 |
| Return on assets (ROA) | -0.4288% | 6,770 |
| Pretax return on assets | -0.4288% | 6,712 |
| Return on Equity (ROE) | -1.7467% | 6,559 |
| Retained earnings to average equity (ytd only) | -1.7467% | 6,107 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2209% | 593 |
| Assets per employee ($millions) | 3.7594% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,416 |
| Loan loss allowance to noncurrent loans | 85.2622% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 4,669 |
| Noncurrent loans to loans | 1.7072% | 3,930 |
| Net loans and leases to total assets | 65.3155% | 3,173 |
| Net loans and leases to deposits | 83.7635% | 2,070 |
| Net loans and leases to core deposits | 92.7693% | 2,037 |
| Total domestic deposits to total assets | 77.9761% | 6,387 |
| Equity capital to assets | 21.9461% | 174 |
| Core capital (leverage) ratio | 25.5488% | 107 |
| Tier 1 risk-based capital ratio | 30.5244% | 498 |
| Total risk-based capital ratio | 31.7708% | 493 |
| Memoranda: | ||
| Average total assets | $87,682,000 | 5,365 |
| Average earning assets | $85,034,000 | 5,185 |
| Average equity | $21,526,500 | 2,922 |
| Average total loans | $60,193,500 | 4,995 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 4,336 |
| Cost of funding earning assets | 1.5362% | 2,434 |
| Net interest margin | 3.5102% | 5,210 |
| Noninterest income to average assets | 0.1150% | 6,831 |
| Noninterest expense to average assets | 4.6439% | 576 |
| Loan and lease loss provision to assets | 1.2020% | 1,303 |
| Net operating income to assets | -2.3219% | 7,145 |
| Return on assets (ROA) | -2.1323% | 7,106 |
| Pretax return on assets | -2.1293% | 7,068 |
| Return on Equity (ROE) | -15.7096% | 6,944 |
| Retained earnings to average equity (ytd only) | -17.1727% | 6,946 |
| Net charge-offs to loans | 1.2232% | 1,834 |
| Credit loss provision to net charge-offs | 127.1722% | 3,173 |
| Earnings coverage of net charge-offs (x) | -1.1817% | 6,638 |
| Efficiency ratio | 131.6681% | 304 |
| Assets per employee ($millions) | 5.9708% | 1,232 |
| Cash dividends to net income (ytd only)* | -9.3137% | 7,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,586 |
| Loan loss allowance to noncurrent loans | 80.1444% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 4,201 |
| Noncurrent loans to loans | 1.9927% | 3,571 |
| Net loans and leases to total assets | 70.4896% | 2,411 |
| Net loans and leases to deposits | 98.1523% | 704 |
| Net loans and leases to core deposits | 108.1539% | 1,038 |
| Total domestic deposits to total assets | 71.8165% | 7,098 |
| Equity capital to assets | 27.8305% | 92 |
| Core capital (leverage) ratio | 32.1397% | 75 |
| Tier 1 risk-based capital ratio | 36.6744% | 304 |
| Total risk-based capital ratio | 37.9203% | 296 |
| Memoranda: | ||
| Average total assets | $66,969,600 | 5,961 |
| Average earning assets | $65,096,200 | 5,827 |
| Average equity | $9,090,000 | 5,397 |
| Average total loans | $51,749,200 | 5,415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 3,848 |
| Cost of funding earning assets | 1.6231% | 2,262 |
| Net interest margin | 3.5733% | 4,997 |
| Noninterest income to average assets | 0.0580% | 7,233 |
| Noninterest expense to average assets | 3.6553% | 1,660 |
| Loan and lease loss provision to assets | 0.0850% | 6,188 |
| Net operating income to assets | -0.1832% | 6,301 |
| Return on assets (ROA) | 0.0643% | 5,995 |
| Pretax return on assets | 0.0684% | 5,972 |
| Return on Equity (ROE) | 0.6932% | 5,970 |
| Retained earnings to average equity (ytd only) | -1.5206% | 6,104 |
| Net charge-offs to loans | 0.0262% | 6,303 |
| Credit loss provision to net charge-offs | 410.0000% | 732 |
| Earnings coverage of net charge-offs (x) | -5.3008% | 6,594 |
| Efficiency ratio | 103.0994% | 653 |
| Assets per employee ($millions) | 6.0340% | 1,220 |
| Cash dividends to net income (ytd only)* | 319.3806% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,262 |
| Loan loss allowance to noncurrent loans | 60.5178% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.8622% | 3,662 |
| Noncurrent loans to loans | 2.3783% | 3,258 |
| Net loans and leases to total assets | 77.1718% | 1,183 |
| Net loans and leases to deposits | 84.7948% | 2,553 |
| Net loans and leases to core deposits | 93.2547% | 2,626 |
| Total domestic deposits to total assets | 91.0100% | 451 |
| Equity capital to assets | 8.8257% | 5,813 |
| Core capital (leverage) ratio | 8.9049% | 4,842 |
| Tier 1 risk-based capital ratio | 10.8228% | 6,525 |
| Total risk-based capital ratio | 12.0746% | 6,504 |
| Memoranda: | ||
| Average total assets | $64,307,000 | 6,127 |
| Average earning assets | $62,760,250 | 5,964 |
| Average equity | $5,962,000 | 6,459 |
| Average total loans | $50,786,000 | 5,536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 3,927 |
| Cost of funding earning assets | 1.6696% | 2,289 |
| Net interest margin | 3.5359% | 5,105 |
| Noninterest income to average assets | 0.0692% | 7,234 |
| Noninterest expense to average assets | 3.5996% | 1,781 |
| Loan and lease loss provision to assets | 0.1037% | 5,882 |
| Net operating income to assets | -0.1243% | 6,260 |
| Return on assets (ROA) | 0.0063% | 6,176 |
| Pretax return on assets | 0.0094% | 6,140 |
| Return on Equity (ROE) | 0.0667% | 6,177 |
| Retained earnings to average equity (ytd only) | -2.1012% | 6,161 |
| Net charge-offs to loans | 0.0476% | 5,719 |
| Credit loss provision to net charge-offs | 275.0000% | 1,354 |
| Earnings coverage of net charge-offs (x) | -2.1667% | 6,220 |
| Efficiency ratio | 102.3235% | 728 |
| Assets per employee ($millions) | 6.0878% | 1,167 |
| Cash dividends to net income (ytd only)* | 3,250.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 4,243 |
| Loan loss allowance to noncurrent loans | 59.7087% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.8457% | 3,700 |
| Noncurrent loans to loans | 2.4093% | 3,243 |
| Net loans and leases to total assets | 75.5070% | 1,594 |
| Net loans and leases to deposits | 83.0211% | 3,072 |
| Net loans and leases to core deposits | 91.1868% | 3,095 |
| Total domestic deposits to total assets | 90.9491% | 505 |
| Equity capital to assets | 8.8791% | 5,632 |
| Core capital (leverage) ratio | 8.6769% | 5,117 |
| Tier 1 risk-based capital ratio | 10.8416% | 6,407 |
| Total risk-based capital ratio | 12.0934% | 6,400 |
| Memoranda: | ||
| Average total assets | $63,618,000 | 6,188 |
| Average earning assets | $62,050,000 | 6,020 |
| Average equity | $5,996,670 | 6,466 |
| Average total loans | $50,391,330 | 5,587 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3279% | 3,407 |
| Cost of funding earning assets | 1.6832% | 2,467 |
| Net interest margin | 3.6447% | 4,518 |
| Noninterest income to average assets | 0.0710% | 7,355 |
| Noninterest expense to average assets | 3.5322% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0904% | 6,049 |
| Return on assets (ROA) | 0.0904% | 6,147 |
| Pretax return on assets | 0.0904% | 6,157 |
| Return on Equity (ROE) | 0.9299% | 6,132 |
| Retained earnings to average equity (ytd only) | -0.2657% | 5,891 |
| Net charge-offs to loans | -0.0080% | 6,858 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5045% | 943 |
| Assets per employee ($millions) | 5.7462% | 1,454 |
| Cash dividends to net income (ytd only)* | 128.5714% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,384 |
| Loan loss allowance to noncurrent loans | 93.0667% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 4,802 |
| Noncurrent loans to loans | 1.5130% | 4,478 |
| Net loans and leases to total assets | 77.3225% | 1,279 |
| Net loans and leases to deposits | 85.7048% | 2,646 |
| Net loans and leases to core deposits | 93.1732% | 2,955 |
| Total domestic deposits to total assets | 90.2196% | 876 |
| Equity capital to assets | 9.5447% | 4,458 |
| Core capital (leverage) ratio | 9.5221% | 3,737 |
| Tier 1 risk-based capital ratio | 11.1394% | 6,014 |
| Total risk-based capital ratio | 12.3499% | 6,034 |
| Memoranda: | ||
| Average total assets | $61,944,000 | 6,313 |
| Average earning assets | $60,361,500 | 6,155 |
| Average equity | $6,022,000 | 6,513 |
| Average total loans | $49,936,000 | 5,670 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 4,828 |
| Cost of funding earning assets | 2.6540% | 664 |
| Net interest margin | 2.7180% | 7,189 |
| Noninterest income to average assets | 0.0415% | 7,542 |
| Noninterest expense to average assets | 3.8533% | 1,592 |
| Loan and lease loss provision to assets | 0.4322% | 4,236 |
| Net operating income to assets | -1.6025% | 6,906 |
| Return on assets (ROA) | -1.6025% | 6,911 |
| Pretax return on assets | -1.5991% | 6,759 |
| Return on Equity (ROE) | -19.2603% | 7,120 |
| Retained earnings to average equity (ytd only) | -20.2161% | 7,115 |
| Net charge-offs to loans | 0.0258% | 6,886 |
| Credit loss provision to net charge-offs | 2,083.3333% | 156 |
| Earnings coverage of net charge-offs (x) | -56.2500% | 7,215 |
| Efficiency ratio | 143.4363% | 357 |
| Assets per employee ($millions) | 5.5164% | 1,628 |
| Cash dividends to net income (ytd only)* | -4.9622% | 7,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 4,306 |
| 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 | 81.7452% | 730 |
| Net loans and leases to deposits | 90.9946% | 2,049 |
| Net loans and leases to core deposits | 125.7300% | 1,537 |
| Total domestic deposits to total assets | 89.8352% | 1,043 |
| Equity capital to assets | 9.9061% | 3,888 |
| Core capital (leverage) ratio | 9.6219% | 3,562 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,697 |
| Total risk-based capital ratio | 12.4694% | 5,650 |
| Memoranda: | ||
| Average total assets | $57,846,600 | 6,437 |
| Average earning assets | $56,292,000 | 6,279 |
| Average equity | $4,813,000 | 7,016 |
| Average total loans | $46,597,000 | 5,816 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 5,575 |
| Cost of funding earning assets | 2.8837% | 490 |
| Net interest margin | 2.3851% | 7,579 |
| Noninterest income to average assets | 0.0443% | 7,669 |
| Noninterest expense to average assets | 3.8409% | 1,524 |
| Loan and lease loss provision to assets | 0.5717% | 3,096 |
| Net operating income to assets | -2.0464% | 7,340 |
| Return on assets (ROA) | -2.0464% | 7,337 |
| Pretax return on assets | -2.0464% | 7,205 |
| Return on Equity (ROE) | -25.9067% | 7,524 |
| Retained earnings to average equity (ytd only) | -26.4385% | 7,521 |
| Net charge-offs to loans | 0.0379% | 6,376 |
| Credit loss provision to net charge-offs | 1,884.6154% | 206 |
| Earnings coverage of net charge-offs (x) | -48.6238% | 6,961 |
| Efficiency ratio | 162.3274% | 262 |
| Assets per employee ($millions) | 5.5583% | 1,558 |
| Cash dividends to net income (ytd only)* | -2.0525% | 7,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,943 |
| 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 | 79.5898% | 1,262 |
| Net loans and leases to deposits | 86.7400% | 3,178 |
| Net loans and leases to core deposits | 123.0205% | 1,993 |
| Total domestic deposits to total assets | 91.7568% | 212 |
| Equity capital to assets | 7.9701% | 6,874 |
| Core capital (leverage) ratio | 7.7914% | 6,617 |
| Tier 1 risk-based capital ratio | 9.1501% | 7,557 |
| Total risk-based capital ratio | 10.4026% | 7,565 |
| Memoranda: | ||
| Average total assets | $57,138,250 | 6,500 |
| Average earning assets | $55,622,000 | 6,354 |
| Average equity | $4,513,500 | 7,174 |
| Average total loans | $45,671,250 | 5,898 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1446% | 6,272 |
| Cost of funding earning assets | 3.1148% | 335 |
| Net interest margin | 2.0298% | 7,845 |
| Noninterest income to average assets | 0.0860% | 7,544 |
| Noninterest expense to average assets | 3.9244% | 1,437 |
| Loan and lease loss provision to assets | 0.7168% | 2,287 |
| Net operating income to assets | -2.5912% | 7,586 |
| Return on assets (ROA) | -2.5912% | 7,576 |
| Pretax return on assets | -2.5840% | 7,438 |
| Return on Equity (ROE) | -32.9110% | 7,753 |
| Retained earnings to average equity (ytd only) | -32.9110% | 7,729 |
| Net charge-offs to loans | 0.0675% | 5,558 |
| Credit loss provision to net charge-offs | 1,333.3333% | 375 |
| Earnings coverage of net charge-offs (x) | -34.7333% | 6,584 |
| Efficiency ratio | 190.7666% | 216 |
| Assets per employee ($millions) | 5.4861% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,147 |
| 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 | 79.6311% | 1,371 |
| Net loans and leases to deposits | 87.1272% | 3,331 |
| Net loans and leases to core deposits | 127.5684% | 1,737 |
| Total domestic deposits to total assets | 91.3964% | 343 |
| Equity capital to assets | 8.2009% | 6,490 |
| Core capital (leverage) ratio | 8.7093% | 5,072 |
| Tier 1 risk-based capital ratio | 9.3841% | 7,487 |
| Total risk-based capital ratio | 10.6351% | 7,457 |
| Memoranda: | ||
| Average total assets | $55,804,000 | 6,602 |
| Average earning assets | $54,192,670 | 6,459 |
| Average equity | $4,393,670 | 7,276 |
| Average total loans | $44,444,000 | 6,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 6,412 |
| Cost of funding earning assets | 3.3364% | 243 |
| Net interest margin | 1.8339% | 7,962 |
| Noninterest income to average assets | 0.0523% | 7,819 |
| Noninterest expense to average assets | 3.8332% | 1,411 |
| Loan and lease loss provision to assets | 0.1494% | 5,018 |
| Net operating income to assets | -2.1669% | 7,704 |
| Return on assets (ROA) | -2.1669% | 7,702 |
| Pretax return on assets | -2.1520% | 7,572 |
| Return on Equity (ROE) | -28.1827% | 7,888 |
| Retained earnings to average equity (ytd only) | -28.1827% | 7,831 |
| Net charge-offs to loans | 0.1418% | 3,827 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | -17.8667% | 5,657 |
| Efficiency ratio | 209.3878% | 171 |
| Assets per employee ($millions) | 5.3832% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 5,557 |
| 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 | 78.4013% | 1,719 |
| Net loans and leases to deposits | 85.3834% | 3,738 |
| Net loans and leases to core deposits | 115.4751% | 2,851 |
| Total domestic deposits to total assets | 91.8227% | 208 |
| Equity capital to assets | 7.6126% | 7,252 |
| Core capital (leverage) ratio | 7.4852% | 7,177 |
| Tier 1 risk-based capital ratio | 8.9987% | 7,791 |
| Total risk-based capital ratio | 10.0718% | 7,920 |
| Memoranda: | ||
| Average total assets | $53,532,500 | 6,725 |
| Average earning assets | $51,912,500 | 6,575 |
| Average equity | $4,116,000 | 7,411 |
| Average total loans | $42,316,500 | 6,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 6,961 |
| Cost of funding earning assets | 3.5079% | 506 |
| Net interest margin | 2.1315% | 7,999 |
| Noninterest income to average assets | 0.0467% | 7,908 |
| Noninterest expense to average assets | 4.3618% | 982 |
| Loan and lease loss provision to assets | 0.2207% | 4,676 |
| Net operating income to assets | -2.4791% | 7,705 |
| Return on assets (ROA) | -2.4791% | 7,676 |
| Pretax return on assets | -2.4749% | 7,588 |
| Return on Equity (ROE) | -28.3523% | 7,935 |
| Retained earnings to average equity (ytd only) | -28.3523% | 7,882 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.9486% | 192 |
| Assets per employee ($millions) | 4.8394% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,326 |
| Loan loss allowance to noncurrent loans | 3,060.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,479 |
| Noncurrent loans to loans | 0.0357% | 7,363 |
| Net loans and leases to total assets | 77.9686% | 2,148 |
| Net loans and leases to deposits | 84.9590% | 4,261 |
| Net loans and leases to core deposits | 118.3423% | 2,850 |
| Total domestic deposits to total assets | 91.7720% | 164 |
| Equity capital to assets | 7.7659% | 7,136 |
| Core capital (leverage) ratio | 8.4474% | 5,662 |
| Tier 1 risk-based capital ratio | 9.1015% | 7,719 |
| Total risk-based capital ratio | 10.1654% | 7,856 |
| Memoranda: | ||
| Average total assets | $47,113,200 | 6,896 |
| Average earning assets | $45,554,000 | 6,789 |
| Average equity | $4,119,600 | 7,466 |
| Average total loans | $36,567,400 | 6,340 |