Home > First Pacific Bank > Performance and Condition Ratios
First Pacific 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 | 5.2064% | 1,644 |
| Cost of funding earning assets | 1.8718% | 1,121 |
| Net interest margin | 3.3346% | 2,548 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.2272% | 804 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | -0.0144% | 4,396 |
| Return on assets (ROA) | -0.0174% | 4,379 |
| Pretax return on assets | -0.0511% | 4,381 |
| Return on Equity (ROE) | -0.2000% | 4,355 |
| Retained earnings to average equity (ytd only) | -0.2045% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.7943% | 281 |
| Assets per employee ($millions) | 9.3358% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,659 |
| Loan loss allowance to noncurrent loans | 5,098.3607% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,660 |
| Noncurrent loans to loans | 0.0222% | 3,586 |
| Net loans and leases to total assets | 64.7700% | 2,393 |
| Net loans and leases to deposits | 81.4705% | 1,992 |
| Net loans and leases to core deposits | 91.1524% | 1,971 |
| Total domestic deposits to total assets | 79.5000% | 3,540 |
| Equity capital to assets | 8.7148% | 2,893 |
| Core capital (leverage) ratio | 8.7198% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9783% | 2,590 |
| Memoranda: | ||
| Average total assets | $403,441,400 | 2,002 |
| Average earning assets | $383,852,400 | 1,967 |
| Average equity | $34,225,400 | 2,088 |
| Average total loans | $253,790,600 | 1,986 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1008% | 1,635 |
| Cost of funding earning assets | 1.7332% | 1,126 |
| Net interest margin | 3.3677% | 2,529 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.2872% | 738 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | -0.0548% | 4,459 |
| Return on assets (ROA) | -0.0548% | 4,442 |
| Pretax return on assets | -0.0948% | 4,443 |
| Return on Equity (ROE) | -0.6500% | 4,419 |
| Retained earnings to average equity (ytd only) | -0.6502% | 4,225 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 94.9826% | 249 |
| Assets per employee ($millions) | 9.5944% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 2,933 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.1900% | 2,423 |
| Net loans and leases to deposits | 81.3731% | 1,946 |
| Net loans and leases to core deposits | 86.5881% | 2,150 |
| Total domestic deposits to total assets | 78.8800% | 3,713 |
| Equity capital to assets | 8.5852% | 2,674 |
| Core capital (leverage) ratio | 8.7211% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0207% | 2,607 |
| Memoranda: | ||
| Average total assets | $399,273,500 | 2,015 |
| Average earning assets | $379,799,250 | 1,978 |
| Average equity | $33,628,750 | 2,100 |
| Average total loans | $248,438,750 | 2,010 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 1,652 |
| Cost of funding earning assets | 1.5913% | 1,086 |
| Net interest margin | 3.3588% | 2,617 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.2504% | 741 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | -0.1231% | 4,522 |
| Return on assets (ROA) | -0.1231% | 4,507 |
| Pretax return on assets | -0.1818% | 4,506 |
| Return on Equity (ROE) | -1.4700% | 4,482 |
| Retained earnings to average equity (ytd only) | -1.4714% | 4,254 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 96.1190% | 219 |
| Assets per employee ($millions) | 7.2905% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,223 |
| Loan loss allowance to noncurrent loans | 2,114.2857% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,462 |
| Noncurrent loans to loans | 0.0494% | 3,357 |
| Net loans and leases to total assets | 64.1000% | 2,372 |
| Net loans and leases to deposits | 83.1748% | 1,746 |
| Net loans and leases to core deposits | 88.7766% | 1,877 |
| Total domestic deposits to total assets | 77.0700% | 3,946 |
| Equity capital to assets | 8.4210% | 2,928 |
| Core capital (leverage) ratio | 8.6407% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9058% | 2,656 |
| Memoranda: | ||
| Average total assets | $391,646,333 | 2,036 |
| Average earning assets | $372,277,333 | 2,005 |
| Average equity | $32,757,333 | 2,151 |
| Average total loans | $239,940,000 | 2,054 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 1,731 |
| Cost of funding earning assets | 1.3147% | 1,201 |
| Net interest margin | 3.4382% | 2,536 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 3.3659% | 638 |
| Loan and lease loss provision to assets | 0.4900% | 157 |
| Net operating income to assets | -0.2950% | 4,567 |
| Return on assets (ROA) | -0.2950% | 4,555 |
| Pretax return on assets | -0.4224% | 4,559 |
| Return on Equity (ROE) | -3.5400% | 4,531 |
| Retained earnings to average equity (ytd only) | -3.5399% | 4,266 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.0964% | 201 |
| Assets per employee ($millions) | 7.1407% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,063 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.8600% | 2,478 |
| Net loans and leases to deposits | 79.3430% | 1,862 |
| Net loans and leases to core deposits | 80.3433% | 2,232 |
| Total domestic deposits to total assets | 77.9600% | 4,014 |
| Equity capital to assets | 8.0273% | 3,224 |
| Core capital (leverage) ratio | 8.5535% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6919% | 2,814 |
| Memoranda: | ||
| Average total assets | $379,691,000 | 2,104 |
| Average earning assets | $360,536,500 | 2,065 |
| Average equity | $31,639,000 | 2,228 |
| Average total loans | $225,319,500 | 2,138 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3238% | 3,529 |
| Cost of funding earning assets | 0.3258% | 2,675 |
| Net interest margin | 2.9980% | 3,458 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.5793% | 458 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | -0.2952% | 4,621 |
| Return on assets (ROA) | -0.3000% | 4,611 |
| Pretax return on assets | -0.4493% | 4,624 |
| Return on Equity (ROE) | -4.0200% | 4,615 |
| Retained earnings to average equity (ytd only) | -4.0214% | 4,549 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 111.8731% | 85 |
| Assets per employee ($millions) | 6.7897% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.3700% | 3,089 |
| Net loans and leases to deposits | 76.2618% | 2,078 |
| Net loans and leases to core deposits | 76.8394% | 2,363 |
| Total domestic deposits to total assets | 72.6000% | 4,409 |
| Equity capital to assets | 8.6601% | 2,589 |
| Core capital (leverage) ratio | 9.4877% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2870% | 2,244 |
| Memoranda: | ||
| Average total assets | $315,366,800 | 2,376 |
| Average earning assets | $295,928,800 | 2,360 |
| Average equity | $23,524,200 | 2,671 |
| Average total loans | $141,722,000 | 2,710 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0040% | 3,881 |
| Cost of funding earning assets | 0.1862% | 3,440 |
| Net interest margin | 2.8179% | 3,696 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 3.5921% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.3243% | 4,661 |
| Return on assets (ROA) | -0.3243% | 4,642 |
| Pretax return on assets | -0.4812% | 4,656 |
| Return on Equity (ROE) | -4.5700% | 4,658 |
| Retained earnings to average equity (ytd only) | -4.5712% | 4,592 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 115.4696% | 82 |
| Assets per employee ($millions) | 6.3285% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.1500% | 3,171 |
| Net loans and leases to deposits | 65.6052% | 2,753 |
| Net loans and leases to core deposits | 66.1496% | 2,945 |
| Total domestic deposits to total assets | 81.0100% | 3,973 |
| Equity capital to assets | 8.6635% | 2,433 |
| Core capital (leverage) ratio | 9.1592% | 3,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3351% | 2,346 |
| Memoranda: | ||
| Average total assets | $302,547,000 | 2,456 |
| Average earning assets | $282,902,000 | 2,444 |
| Average equity | $21,467,250 | 2,857 |
| Average total loans | $125,902,000 | 2,871 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6915% | 4,153 |
| Cost of funding earning assets | 0.1374% | 3,740 |
| Net interest margin | 2.5541% | 3,996 |
| Noninterest income to average assets | 0.5986% | 1,745 |
| Noninterest expense to average assets | 3.5621% | 413 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.3963% | 4,669 |
| Return on assets (ROA) | -0.3963% | 4,646 |
| Pretax return on assets | -0.5836% | 4,664 |
| Return on Equity (ROE) | -6.0880% | 4,693 |
| Retained earnings to average equity (ytd only) | -6.0880% | 4,574 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5930% | 80 |
| Assets per employee ($millions) | 6.1264% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.6081% | 3,788 |
| Net loans and leases to deposits | 52.7848% | 3,627 |
| Net loans and leases to core deposits | 53.2360% | 3,742 |
| Total domestic deposits to total assets | 84.5094% | 3,589 |
| Equity capital to assets | 6.1318% | 4,165 |
| Core capital (leverage) ratio | 6.4306% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9415% | 3,022 |
| Memoranda: | ||
| Average total assets | $293,702,667 | 2,515 |
| Average earning assets | $273,674,000 | 2,519 |
| Average equity | $19,119,667 | 3,140 |
| Average total loans | $108,970,333 | 3,076 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5383% | 4,216 |
| Cost of funding earning assets | 0.1733% | 3,179 |
| Net interest margin | 2.3650% | 4,133 |
| Noninterest income to average assets | 0.9450% | 767 |
| Noninterest expense to average assets | 3.4267% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1809% | 4,635 |
| Return on assets (ROA) | -0.1809% | 4,618 |
| Pretax return on assets | -0.2784% | 4,632 |
| Return on Equity (ROE) | -2.6960% | 4,655 |
| Retained earnings to average equity (ytd only) | -2.6960% | 4,292 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8417% | 142 |
| Assets per employee ($millions) | 6.4057% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 869 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.6794% | 4,276 |
| Net loans and leases to deposits | 37.8116% | 4,328 |
| Net loans and leases to core deposits | 38.0810% | 4,371 |
| Total domestic deposits to total assets | 91.7165% | 692 |
| Equity capital to assets | 6.8029% | 4,296 |
| Core capital (leverage) ratio | 6.4068% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7421% | 1,901 |
| Memoranda: | ||
| Average total assets | $287,393,500 | 2,564 |
| Average earning assets | $267,740,000 | 2,566 |
| Average equity | $19,288,000 | 3,212 |
| Average total loans | $94,233,500 | 3,270 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5355% | 4,455 |
| Cost of funding earning assets | 0.2384% | 3,059 |
| Net interest margin | 2.2970% | 4,414 |
| Noninterest income to average assets | 0.4540% | 2,799 |
| Noninterest expense to average assets | 2.4367% | 2,371 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1344% | 4,596 |
| Return on assets (ROA) | 0.1344% | 4,607 |
| Pretax return on assets | 0.1716% | 4,590 |
| Return on Equity (ROE) | 1.6385% | 4,541 |
| Retained earnings to average equity (ytd only) | -0.6778% | 4,564 |
| Net charge-offs to loans | -0.3115% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4202% | 243 |
| Assets per employee ($millions) | 8.3696% | 1,136 |
| Cash dividends to net income (ytd only)* | 141.3690% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.7412% | 4,516 |
| Net loans and leases to deposits | 33.7851% | 4,534 |
| Net loans and leases to core deposits | 34.1085% | 4,552 |
| Total domestic deposits to total assets | 88.0305% | 2,029 |
| Equity capital to assets | 6.6233% | 4,775 |
| Core capital (leverage) ratio | 5.8840% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7857% | 1,583 |
| Memoranda: | ||
| Average total assets | $249,973,200 | 2,730 |
| Average earning assets | $234,434,800 | 2,720 |
| Average equity | $20,506,400 | 3,170 |
| Average total loans | $107,870,400 | 3,106 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6220% | 4,486 |
| Cost of funding earning assets | 0.2436% | 3,179 |
| Net interest margin | 2.3783% | 4,421 |
| Noninterest income to average assets | 0.5222% | 2,529 |
| Noninterest expense to average assets | 2.1546% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4369% | 4,318 |
| Return on assets (ROA) | 0.4369% | 4,350 |
| Pretax return on assets | 0.6036% | 4,229 |
| Return on Equity (ROE) | 5.0297% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.0297% | 3,207 |
| Net charge-offs to loans | -0.3978% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1168% | 863 |
| Assets per employee ($millions) | 9.8474% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 29.1237% | 4,613 |
| Net loans and leases to deposits | 34.0037% | 4,624 |
| Net loans and leases to core deposits | 34.3571% | 4,644 |
| Total domestic deposits to total assets | 85.6486% | 2,894 |
| Equity capital to assets | 6.6724% | 4,857 |
| Core capital (leverage) ratio | 8.1045% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5599% | 1,036 |
| Memoranda: | ||
| Average total assets | $239,232,250 | 2,823 |
| Average earning assets | $224,916,000 | 2,805 |
| Average equity | $20,782,500 | 3,184 |
| Average total loans | $112,607,250 | 3,077 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9950% | 4,055 |
| Cost of funding earning assets | 0.2696% | 3,094 |
| Net interest margin | 2.7253% | 3,931 |
| Noninterest income to average assets | 0.3010% | 3,629 |
| Noninterest expense to average assets | 2.3381% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3824% | 4,423 |
| Return on assets (ROA) | 0.3824% | 4,459 |
| Pretax return on assets | 0.5235% | 4,344 |
| Return on Equity (ROE) | 3.9514% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.9514% | 3,534 |
| Net charge-offs to loans | -0.5649% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7053% | 690 |
| Assets per employee ($millions) | 8.2714% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6911% | 1,082 |
| Loan loss allowance to noncurrent loans | 36,000.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,317 |
| Noncurrent loans to loans | 0.0047% | 4,234 |
| Net loans and leases to total assets | 46.8544% | 3,840 |
| Net loans and leases to deposits | 58.0206% | 3,543 |
| Net loans and leases to core deposits | 58.8187% | 3,701 |
| Total domestic deposits to total assets | 80.7548% | 4,117 |
| Equity capital to assets | 9.3687% | 3,452 |
| Core capital (leverage) ratio | 9.2347% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2558% | 670 |
| Memoranda: | ||
| Average total assets | $213,937,000 | 2,981 |
| Average earning assets | $201,004,000 | 2,973 |
| Average equity | $20,701,333 | 3,187 |
| Average total loans | $118,951,667 | 3,018 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 4,087 |
| Cost of funding earning assets | 0.2746% | 3,229 |
| Net interest margin | 2.7236% | 3,913 |
| Noninterest income to average assets | 0.2256% | 4,032 |
| Noninterest expense to average assets | 2.1525% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4588% | 4,251 |
| Return on assets (ROA) | 0.4588% | 4,291 |
| Pretax return on assets | 0.6328% | 4,142 |
| Return on Equity (ROE) | 4.6623% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.6623% | 3,326 |
| Net charge-offs to loans | -0.4441% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2821% | 1,018 |
| Assets per employee ($millions) | 8.5648% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.6505% | 2,723 |
| Net loans and leases to deposits | 73.2711% | 2,187 |
| Net loans and leases to core deposits | 74.3755% | 2,481 |
| Total domestic deposits to total assets | 80.0459% | 4,197 |
| Equity capital to assets | 9.6894% | 3,013 |
| Core capital (leverage) ratio | 9.4543% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5072% | 730 |
| Memoranda: | ||
| Average total assets | $209,241,500 | 3,011 |
| Average earning assets | $196,649,500 | 3,000 |
| Average equity | $20,590,500 | 3,190 |
| Average total loans | $125,208,000 | 2,961 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 4,329 |
| Cost of funding earning assets | 0.3940% | 3,618 |
| Net interest margin | 2.9072% | 4,094 |
| Noninterest income to average assets | 0.3034% | 3,659 |
| Noninterest expense to average assets | 2.2451% | 3,555 |
| Loan and lease loss provision to assets | 0.0752% | 3,442 |
| Net operating income to assets | 0.5125% | 4,003 |
| Return on assets (ROA) | 0.5125% | 4,086 |
| Pretax return on assets | 0.7066% | 3,870 |
| Return on Equity (ROE) | 5.1444% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.1444% | 2,215 |
| Net charge-offs to loans | 0.0151% | 2,813 |
| Credit loss provision to net charge-offs | 833.3333% | 873 |
| Earnings coverage of net charge-offs (x) | 86.6111% | 858 |
| Efficiency ratio | 74.1716% | 1,420 |
| Assets per employee ($millions) | 8.5151% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 3,010 |
| Loan loss allowance to noncurrent loans | 2,614.2857% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,231 |
| Noncurrent loans to loans | 0.0454% | 4,116 |
| Net loans and leases to total assets | 59.5835% | 2,911 |
| Net loans and leases to deposits | 75.3829% | 2,346 |
| Net loans and leases to core deposits | 76.5887% | 2,671 |
| Total domestic deposits to total assets | 79.0411% | 4,197 |
| Equity capital to assets | 9.9989% | 3,134 |
| Core capital (leverage) ratio | 9.3037% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0479% | 764 |
| Memoranda: | ||
| Average total assets | $199,411,600 | 2,949 |
| Average earning assets | $186,811,000 | 2,938 |
| Average equity | $19,866,200 | 3,200 |
| Average total loans | $119,473,800 | 2,987 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1118% | 4,659 |
| Cost of funding earning assets | 0.4139% | 3,735 |
| Net interest margin | 2.6978% | 4,467 |
| Noninterest income to average assets | 0.2967% | 3,707 |
| Noninterest expense to average assets | 2.1482% | 3,823 |
| Loan and lease loss provision to assets | 0.1009% | 3,058 |
| Net operating income to assets | 0.4185% | 4,225 |
| Return on assets (ROA) | 0.4185% | 4,292 |
| Pretax return on assets | 0.5732% | 4,151 |
| Return on Equity (ROE) | 4.2045% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.2045% | 2,945 |
| Net charge-offs to loans | 0.0202% | 2,449 |
| Credit loss provision to net charge-offs | 833.3333% | 951 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 1,134 |
| Efficiency ratio | 76.1144% | 1,197 |
| Assets per employee ($millions) | 9.8473% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,485 |
| Loan loss allowance to noncurrent loans | 1,368.2243% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,222 |
| Noncurrent loans to loans | 0.0765% | 4,064 |
| Net loans and leases to total assets | 58.5711% | 3,369 |
| Net loans and leases to deposits | 86.7378% | 1,618 |
| Net loans and leases to core deposits | 88.1418% | 2,131 |
| Total domestic deposits to total assets | 67.5266% | 4,824 |
| Equity capital to assets | 8.4888% | 4,469 |
| Core capital (leverage) ratio | 9.6351% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9704% | 787 |
| Memoranda: | ||
| Average total assets | $198,174,000 | 2,940 |
| Average earning assets | $185,527,500 | 2,932 |
| Average equity | $19,724,250 | 3,213 |
| Average total loans | $118,534,750 | 3,009 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2726% | 4,672 |
| Cost of funding earning assets | 0.4323% | 3,885 |
| Net interest margin | 2.8403% | 4,397 |
| Noninterest income to average assets | 0.3537% | 3,355 |
| Noninterest expense to average assets | 2.2194% | 3,722 |
| Loan and lease loss provision to assets | 0.1618% | 2,381 |
| Net operating income to assets | 0.4184% | 4,195 |
| Return on assets (ROA) | 0.4184% | 4,256 |
| Pretax return on assets | 0.6158% | 4,030 |
| Return on Equity (ROE) | 3.9568% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.9568% | 2,932 |
| Net charge-offs to loans | 0.0323% | 2,083 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 40.0556% | 1,247 |
| Efficiency ratio | 74.0554% | 1,459 |
| Assets per employee ($millions) | 10.6835% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,363 |
| Loan loss allowance to noncurrent loans | 758.5492% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,114 |
| Noncurrent loans to loans | 0.1372% | 3,909 |
| Net loans and leases to total assets | 59.2158% | 3,406 |
| Net loans and leases to deposits | 87.5461% | 1,607 |
| Net loans and leases to core deposits | 88.9681% | 2,160 |
| Total domestic deposits to total assets | 67.6396% | 4,849 |
| Equity capital to assets | 8.4723% | 4,493 |
| Core capital (leverage) ratio | 8.9461% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5415% | 839 |
| Memoranda: | ||
| Average total assets | $185,453,667 | 3,031 |
| Average earning assets | $172,585,000 | 3,028 |
| Average equity | $19,611,667 | 3,214 |
| Average total loans | $111,417,000 | 3,083 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,133 |
| Cost of funding earning assets | 0.4815% | 4,026 |
| Net interest margin | 3.3676% | 3,406 |
| Noninterest income to average assets | 0.3411% | 3,476 |
| Noninterest expense to average assets | 2.8856% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4083% | 4,116 |
| Return on assets (ROA) | 0.4083% | 4,154 |
| Pretax return on assets | 0.5552% | 4,020 |
| Return on Equity (ROE) | 3.3708% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.3708% | 2,932 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8640% | 838 |
| Assets per employee ($millions) | 7.0607% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,969 |
| Loan loss allowance to noncurrent loans | 454.6075% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,770 |
| Noncurrent loans to loans | 0.2941% | 3,449 |
| Net loans and leases to total assets | 60.5237% | 3,441 |
| Net loans and leases to deposits | 83.4498% | 2,288 |
| Net loans and leases to core deposits | 85.2883% | 2,733 |
| Total domestic deposits to total assets | 72.5270% | 4,751 |
| Equity capital to assets | 12.2392% | 1,892 |
| Core capital (leverage) ratio | 11.8168% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1682% | 1,123 |
| Memoranda: | ||
| Average total assets | $160,662,000 | 3,210 |
| Average earning assets | $147,880,000 | 3,212 |
| Average equity | $19,461,000 | 3,219 |
| Average total loans | $96,804,000 | 3,264 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 3,650 |
| Cost of funding earning assets | 0.4553% | 4,253 |
| Net interest margin | 3.8035% | 2,492 |
| Noninterest income to average assets | 0.3409% | 3,666 |
| Noninterest expense to average assets | 2.8038% | 2,587 |
| Loan and lease loss provision to assets | 0.0794% | 2,408 |
| Net operating income to assets | 0.6752% | 3,935 |
| Return on assets (ROA) | 0.7003% | 3,928 |
| Pretax return on assets | 0.9740% | 3,531 |
| Return on Equity (ROE) | 6.0641% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.0641% | 1,832 |
| Net charge-offs to loans | 0.3381% | 607 |
| Credit loss provision to net charge-offs | 39.3082% | 3,207 |
| Earnings coverage of net charge-offs (x) | 5.0597% | 3,134 |
| Efficiency ratio | 73.2946% | 1,689 |
| Assets per employee ($millions) | 6.9099% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,463 |
| Loan loss allowance to noncurrent loans | 398.8024% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 3,625 |
| Noncurrent loans to loans | 0.3554% | 3,174 |
| Net loans and leases to total assets | 58.3006% | 3,745 |
| Net loans and leases to deposits | 78.3806% | 2,969 |
| Net loans and leases to core deposits | 80.3086% | 3,271 |
| Total domestic deposits to total assets | 74.3815% | 4,746 |
| Equity capital to assets | 11.9840% | 2,142 |
| Core capital (leverage) ratio | 11.6811% | 1,975 |
| Tier 1 risk-based capital ratio | 17.0662% | 2,031 |
| Total risk-based capital ratio | 18.3159% | 1,972 |
| Memoranda: | ||
| Average total assets | $157,501,200 | 3,223 |
| Average earning assets | $144,288,200 | 3,229 |
| Average equity | $18,189,000 | 3,321 |
| Average total loans | $94,048,400 | 3,319 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 3,669 |
| Cost of funding earning assets | 0.4431% | 4,353 |
| Net interest margin | 3.8505% | 2,432 |
| Noninterest income to average assets | 0.3216% | 3,821 |
| Noninterest expense to average assets | 2.7829% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7581% | 3,824 |
| Return on assets (ROA) | 0.7916% | 3,771 |
| Pretax return on assets | 1.1055% | 3,281 |
| Return on Equity (ROE) | 6.9207% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.9207% | 1,901 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3583% | 1,783 |
| Assets per employee ($millions) | 6.6769% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.2696% | 3,357 |
| Net loans and leases to deposits | 84.6006% | 2,369 |
| Net loans and leases to core deposits | 86.9215% | 2,825 |
| Total domestic deposits to total assets | 74.7863% | 4,760 |
| Equity capital to assets | 11.7694% | 2,436 |
| Core capital (leverage) ratio | 11.6160% | 2,131 |
| Tier 1 risk-based capital ratio | 18.1439% | 1,776 |
| Total risk-based capital ratio | 19.3967% | 1,734 |
| Memoranda: | ||
| Average total assets | $157,144,500 | 3,260 |
| Average earning assets | $143,838,500 | 3,266 |
| Average equity | $17,974,750 | 3,365 |
| Average total loans | $94,063,500 | 3,357 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,817 |
| Cost of funding earning assets | 0.4033% | 4,492 |
| Net interest margin | 3.8386% | 2,442 |
| Noninterest income to average assets | 0.3164% | 3,813 |
| Noninterest expense to average assets | 2.7890% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7485% | 3,836 |
| Return on assets (ROA) | 0.7930% | 3,742 |
| Pretax return on assets | 1.1082% | 3,210 |
| Return on Equity (ROE) | 7.0024% | 3,676 |
| Retained earnings to average equity (ytd only) | 7.0024% | 1,806 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6151% | 1,823 |
| Assets per employee ($millions) | 6.5404% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.5646% | 3,596 |
| Net loans and leases to deposits | 83.3266% | 2,568 |
| Net loans and leases to core deposits | 85.8028% | 2,976 |
| Total domestic deposits to total assets | 73.8835% | 4,843 |
| Equity capital to assets | 11.7793% | 2,360 |
| Core capital (leverage) ratio | 11.7532% | 1,983 |
| Tier 1 risk-based capital ratio | 16.0387% | 2,395 |
| Total risk-based capital ratio | 17.2896% | 2,337 |
| Memoranda: | ||
| Average total assets | $156,110,670 | 3,279 |
| Average earning assets | $143,332,670 | 3,291 |
| Average equity | $17,679,670 | 3,393 |
| Average total loans | $91,114,000 | 3,432 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 3,723 |
| Cost of funding earning assets | 0.3860% | 4,548 |
| Net interest margin | 3.8597% | 2,316 |
| Noninterest income to average assets | 0.3237% | 3,696 |
| Noninterest expense to average assets | 2.7878% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7734% | 3,707 |
| Return on assets (ROA) | 0.7734% | 3,752 |
| Pretax return on assets | 1.0817% | 3,200 |
| Return on Equity (ROE) | 6.9698% | 3,694 |
| Retained earnings to average equity (ytd only) | 6.9698% | 2,058 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0452% | 2,037 |
| Assets per employee ($millions) | 6.5967% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 55.2798% | 4,113 |
| Net loans and leases to deposits | 71.1369% | 3,673 |
| Net loans and leases to core deposits | 73.1238% | 3,858 |
| Total domestic deposits to total assets | 77.7091% | 4,564 |
| Equity capital to assets | 11.0883% | 2,759 |
| Core capital (leverage) ratio | 11.4340% | 2,186 |
| Tier 1 risk-based capital ratio | 17.2316% | 2,042 |
| Total risk-based capital ratio | 18.4848% | 1,977 |
| Memoranda: | ||
| Average total assets | $155,681,000 | 3,333 |
| Average earning assets | $143,016,000 | 3,334 |
| Average equity | $17,274,500 | 3,449 |
| Average total loans | $87,589,500 | 3,550 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 4,266 |
| Cost of funding earning assets | 0.3330% | 4,388 |
| Net interest margin | 3.5719% | 3,477 |
| Noninterest income to average assets | 0.3021% | 4,081 |
| Noninterest expense to average assets | 2.7425% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5861% | 4,459 |
| Return on assets (ROA) | 0.5867% | 4,462 |
| Pretax return on assets | 0.8143% | 4,128 |
| Return on Equity (ROE) | 5.5669% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.5669% | 2,443 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1190% | 1,220 |
| Assets per employee ($millions) | 6.3768% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.2855% | 4,183 |
| Net loans and leases to deposits | 69.2157% | 3,884 |
| Net loans and leases to core deposits | 70.8022% | 4,075 |
| Total domestic deposits to total assets | 79.8742% | 4,134 |
| Equity capital to assets | 11.1041% | 2,588 |
| Core capital (leverage) ratio | 11.6087% | 2,019 |
| Tier 1 risk-based capital ratio | 16.4219% | 2,266 |
| Total risk-based capital ratio | 17.6740% | 2,203 |
| Memoranda: | ||
| Average total assets | $154,604,800 | 3,338 |
| Average earning assets | $140,850,400 | 3,351 |
| Average equity | $16,292,800 | 3,489 |
| Average total loans | $80,386,200 | 3,661 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 4,427 |
| Cost of funding earning assets | 0.3250% | 4,349 |
| Net interest margin | 3.4807% | 3,760 |
| Noninterest income to average assets | 0.3011% | 4,135 |
| Noninterest expense to average assets | 2.7639% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5043% | 4,755 |
| Return on assets (ROA) | 0.5050% | 4,756 |
| Pretax return on assets | 0.6985% | 4,536 |
| Return on Equity (ROE) | 4.8559% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.8559% | 3,313 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8459% | 956 |
| Assets per employee ($millions) | 6.4759% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.1825% | 4,651 |
| Net loans and leases to deposits | 63.4325% | 4,363 |
| Net loans and leases to core deposits | 64.9073% | 4,464 |
| Total domestic deposits to total assets | 77.5352% | 4,558 |
| Equity capital to assets | 10.3789% | 3,254 |
| Core capital (leverage) ratio | 11.9811% | 1,794 |
| Tier 1 risk-based capital ratio | 18.5052% | 1,669 |
| Total risk-based capital ratio | 19.7605% | 1,623 |
| Memoranda: | ||
| Average total assets | $154,995,500 | 3,363 |
| Average earning assets | $140,733,500 | 3,385 |
| Average equity | $16,117,500 | 3,531 |
| Average total loans | $78,949,000 | 3,714 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,285 |
| Cost of funding earning assets | 0.3333% | 4,179 |
| Net interest margin | 3.4919% | 3,658 |
| Noninterest income to average assets | 0.3022% | 4,158 |
| Noninterest expense to average assets | 2.7768% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4898% | 4,770 |
| Return on assets (ROA) | 0.4908% | 4,771 |
| Pretax return on assets | 0.6794% | 4,558 |
| Return on Equity (ROE) | 4.7167% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.7167% | 3,226 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3738% | 973 |
| Assets per employee ($millions) | 6.1781% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.2247% | 4,596 |
| Net loans and leases to deposits | 66.8767% | 4,111 |
| Net loans and leases to core deposits | 68.4929% | 4,226 |
| Total domestic deposits to total assets | 75.1004% | 4,948 |
| Equity capital to assets | 10.3942% | 3,216 |
| Core capital (leverage) ratio | 11.8205% | 1,824 |
| Tier 1 risk-based capital ratio | 17.8604% | 1,840 |
| Total risk-based capital ratio | 19.1146% | 1,802 |
| Memoranda: | ||
| Average total assets | $154,853,670 | 3,382 |
| Average earning assets | $139,807,330 | 3,413 |
| Average equity | $16,113,000 | 3,547 |
| Average total loans | $79,277,000 | 3,728 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,151 |
| Cost of funding earning assets | 0.3516% | 3,979 |
| Net interest margin | 3.4731% | 3,635 |
| Noninterest income to average assets | 0.3095% | 4,093 |
| Noninterest expense to average assets | 2.7338% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4931% | 4,712 |
| Return on assets (ROA) | 0.4952% | 4,719 |
| Pretax return on assets | 0.6860% | 4,483 |
| Return on Equity (ROE) | 4.7460% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.7460% | 3,284 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,138 |
| Assets per employee ($millions) | 6.4884% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.2946% | 4,483 |
| Net loans and leases to deposits | 71.1865% | 3,682 |
| Net loans and leases to core deposits | 72.9710% | 3,885 |
| Total domestic deposits to total assets | 72.0566% | 5,281 |
| Equity capital to assets | 10.3177% | 3,259 |
| Core capital (leverage) ratio | 11.2903% | 2,177 |
| Tier 1 risk-based capital ratio | 17.1384% | 2,080 |
| Total risk-based capital ratio | 18.3927% | 2,032 |
| Memoranda: | ||
| Average total assets | $155,094,000 | 3,416 |
| Average earning assets | $138,782,000 | 3,468 |
| Average equity | $16,182,000 | 3,564 |
| Average total loans | $79,366,500 | 3,754 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,382 |
| Cost of funding earning assets | 0.2509% | 4,553 |
| Net interest margin | 3.4296% | 3,757 |
| Noninterest income to average assets | 0.3449% | 4,000 |
| Noninterest expense to average assets | 2.6893% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3915% | 4,722 |
| Return on assets (ROA) | 0.3915% | 4,733 |
| Pretax return on assets | 0.7797% | 4,303 |
| Return on Equity (ROE) | 3.6755% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.6755% | 3,039 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5232% | 1,423 |
| Assets per employee ($millions) | 6.1786% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.0762% | 4,700 |
| Net loans and leases to deposits | 66.5473% | 4,143 |
| Net loans and leases to core deposits | 67.0992% | 4,358 |
| Total domestic deposits to total assets | 73.7463% | 5,201 |
| Equity capital to assets | 10.5505% | 3,110 |
| Core capital (leverage) ratio | 10.7903% | 2,549 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,154 |
| Total risk-based capital ratio | 18.0726% | 2,106 |
| Memoranda: | ||
| Average total assets | $152,232,400 | 3,440 |
| Average earning assets | $138,675,800 | 3,472 |
| Average equity | $16,215,600 | 3,567 |
| Average total loans | $80,489,800 | 3,741 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,580 |
| Cost of funding earning assets | 0.2451% | 4,609 |
| Net interest margin | 3.3488% | 4,022 |
| Noninterest income to average assets | 0.3630% | 3,936 |
| Noninterest expense to average assets | 2.6969% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4615% | 4,847 |
| Return on assets (ROA) | 0.4615% | 4,879 |
| Pretax return on assets | 0.7534% | 4,469 |
| Return on Equity (ROE) | 4.3221% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.3221% | 3,334 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1656% | 1,314 |
| Assets per employee ($millions) | 6.3646% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.8023% | 4,513 |
| Net loans and leases to deposits | 65.1497% | 4,308 |
| Net loans and leases to core deposits | 65.9768% | 4,482 |
| Total domestic deposits to total assets | 81.0476% | 4,031 |
| Equity capital to assets | 10.7973% | 3,061 |
| Core capital (leverage) ratio | 10.8788% | 2,572 |
| Tier 1 risk-based capital ratio | 16.0972% | 2,458 |
| Total risk-based capital ratio | 17.3511% | 2,402 |
| Memoranda: | ||
| Average total assets | $151,674,000 | 3,480 |
| Average earning assets | $139,828,000 | 3,483 |
| Average equity | $16,195,250 | 3,603 |
| Average total loans | $81,279,500 | 3,749 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,683 |
| Cost of funding earning assets | 0.2409% | 4,633 |
| Net interest margin | 3.2898% | 4,141 |
| Noninterest income to average assets | 0.3225% | 4,248 |
| Noninterest expense to average assets | 2.6594% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4269% | 4,907 |
| Return on assets (ROA) | 0.4269% | 4,934 |
| Pretax return on assets | 0.6952% | 4,560 |
| Return on Equity (ROE) | 4.0134% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.0134% | 3,322 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2750% | 1,295 |
| Assets per employee ($millions) | 6.2039% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.8118% | 4,406 |
| Net loans and leases to deposits | 71.1548% | 3,813 |
| Net loans and leases to core deposits | 72.1083% | 4,089 |
| Total domestic deposits to total assets | 75.6264% | 5,133 |
| Equity capital to assets | 10.5604% | 3,272 |
| Core capital (leverage) ratio | 10.9110% | 2,490 |
| Tier 1 risk-based capital ratio | 15.5762% | 2,674 |
| Total risk-based capital ratio | 16.8301% | 2,606 |
| Memoranda: | ||
| Average total assets | $151,315,000 | 3,501 |
| Average earning assets | $139,459,670 | 3,505 |
| Average equity | $16,096,000 | 3,630 |
| Average total loans | $80,979,000 | 3,771 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 4,626 |
| Cost of funding earning assets | 0.2418% | 4,613 |
| Net interest margin | 3.2827% | 4,071 |
| Noninterest income to average assets | 0.3560% | 3,988 |
| Noninterest expense to average assets | 2.6662% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4337% | 4,845 |
| Return on assets (ROA) | 0.4337% | 4,865 |
| Pretax return on assets | 0.7067% | 4,432 |
| Return on Equity (ROE) | 4.0616% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.0616% | 3,429 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0476% | 1,480 |
| Assets per employee ($millions) | 6.2272% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.3124% | 4,486 |
| Net loans and leases to deposits | 66.1087% | 4,168 |
| Net loans and leases to core deposits | 66.9500% | 4,362 |
| Total domestic deposits to total assets | 79.1309% | 4,801 |
| Equity capital to assets | 10.3051% | 3,401 |
| Core capital (leverage) ratio | 10.6893% | 2,694 |
| Tier 1 risk-based capital ratio | 15.2547% | 2,852 |
| Total risk-based capital ratio | 16.5086% | 2,789 |
| Memoranda: | ||
| Average total assets | $149,423,500 | 3,561 |
| Average earning assets | $137,326,500 | 3,570 |
| Average equity | $15,954,500 | 3,671 |
| Average total loans | $78,975,500 | 3,834 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,287 |
| Cost of funding earning assets | 0.2555% | 4,516 |
| Net interest margin | 3.4218% | 3,743 |
| Noninterest income to average assets | 0.3287% | 4,388 |
| Noninterest expense to average assets | 2.8912% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4954% | 4,650 |
| Return on assets (ROA) | 0.5184% | 4,640 |
| Pretax return on assets | 0.5956% | 4,795 |
| Return on Equity (ROE) | 4.5044% | 4,655 |
| Retained earnings to average equity (ytd only) | 4.5044% | 2,698 |
| Net charge-offs to loans | 0.0947% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.0571% | 2,570 |
| Efficiency ratio | 83.5529% | 1,054 |
| Assets per employee ($millions) | 5.7267% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.3114% | 4,665 |
| Net loans and leases to deposits | 63.5866% | 4,443 |
| Net loans and leases to core deposits | 64.4496% | 4,611 |
| Total domestic deposits to total assets | 80.6953% | 4,414 |
| Equity capital to assets | 11.0822% | 2,561 |
| Core capital (leverage) ratio | 10.3715% | 3,027 |
| Tier 1 risk-based capital ratio | 15.6093% | 2,700 |
| Total risk-based capital ratio | 16.8678% | 2,630 |
| Memoranda: | ||
| Average total assets | $135,998,200 | 3,732 |
| Average earning assets | $124,465,800 | 3,744 |
| Average equity | $15,651,200 | 3,738 |
| Average total loans | $73,921,600 | 3,945 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 4,429 |
| Cost of funding earning assets | 0.2537% | 4,569 |
| Net interest margin | 3.3895% | 3,891 |
| Noninterest income to average assets | 0.3328% | 4,407 |
| Noninterest expense to average assets | 2.9566% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3030% | 5,279 |
| Return on assets (ROA) | 0.3259% | 5,304 |
| Pretax return on assets | 0.5176% | 5,084 |
| Return on Equity (ROE) | 2.8038% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.8038% | 4,212 |
| Net charge-offs to loans | 0.1267% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 2,943 |
| Efficiency ratio | 85.9867% | 821 |
| Assets per employee ($millions) | 5.9425% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 815 |
| Loan loss allowance to noncurrent loans | 254.5910% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 3,746 |
| Noncurrent loans to loans | 0.7580% | 2,779 |
| Net loans and leases to total assets | 54.3364% | 4,468 |
| Net loans and leases to deposits | 67.3264% | 4,218 |
| Net loans and leases to core deposits | 68.1164% | 4,464 |
| Total domestic deposits to total assets | 80.7059% | 4,321 |
| Equity capital to assets | 11.1212% | 2,892 |
| Core capital (leverage) ratio | 10.5039% | 2,994 |
| Tier 1 risk-based capital ratio | 15.2872% | 2,923 |
| Total risk-based capital ratio | 16.5441% | 2,851 |
| Memoranda: | ||
| Average total assets | $134,206,000 | 3,788 |
| Average earning assets | $122,966,750 | 3,797 |
| Average equity | $15,597,500 | 3,773 |
| Average total loans | $73,655,500 | 3,981 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,390 |
| Cost of funding earning assets | 0.2545% | 4,616 |
| Net interest margin | 3.4145% | 3,836 |
| Noninterest income to average assets | 0.3485% | 4,285 |
| Noninterest expense to average assets | 3.0334% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2785% | 5,376 |
| Return on assets (ROA) | 0.3135% | 5,373 |
| Pretax return on assets | 0.4947% | 5,140 |
| Return on Equity (ROE) | 2.6564% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.6564% | 4,207 |
| Net charge-offs to loans | 0.1948% | 1,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.1286% | 3,017 |
| Efficiency ratio | 87.3357% | 766 |
| Assets per employee ($millions) | 5.9030% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.2161% | 4,491 |
| Net loans and leases to deposits | 68.3780% | 4,147 |
| Net loans and leases to core deposits | 69.2010% | 4,391 |
| Total domestic deposits to total assets | 79.2888% | 4,718 |
| Equity capital to assets | 11.1518% | 2,895 |
| Core capital (leverage) ratio | 11.5591% | 1,948 |
| Tier 1 risk-based capital ratio | 15.3097% | 2,936 |
| Total risk-based capital ratio | 16.5676% | 2,870 |
| Memoranda: | ||
| Average total assets | $131,401,670 | 3,853 |
| Average earning assets | $120,252,000 | 3,872 |
| Average equity | $15,509,670 | 3,800 |
| Average total loans | $71,867,670 | 4,044 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 3,960 |
| Cost of funding earning assets | 0.2609% | 4,602 |
| Net interest margin | 3.5347% | 3,340 |
| Noninterest income to average assets | 0.3738% | 4,044 |
| Noninterest expense to average assets | 3.1996% | 1,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2534% | 5,430 |
| Return on assets (ROA) | 0.2534% | 5,499 |
| Pretax return on assets | 0.3928% | 5,326 |
| Return on Equity (ROE) | 2.0827% | 5,483 |
| Retained earnings to average equity (ytd only) | 2.0827% | 4,422 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0653% | 741 |
| Assets per employee ($millions) | 5.0782% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.4036% | 4,503 |
| Net loans and leases to deposits | 67.8027% | 4,080 |
| Net loans and leases to core deposits | 68.3737% | 4,364 |
| Total domestic deposits to total assets | 78.7632% | 5,017 |
| Equity capital to assets | 12.1997% | 1,895 |
| Core capital (leverage) ratio | 11.4720% | 1,993 |
| Tier 1 risk-based capital ratio | 16.2261% | 2,578 |
| Total risk-based capital ratio | 17.4863% | 2,533 |
| Memoranda: | ||
| Average total assets | $126,266,500 | 3,973 |
| Average earning assets | $114,973,500 | 3,989 |
| Average equity | $15,365,000 | 3,829 |
| Average total loans | $68,634,500 | 4,143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9076% | 3,680 |
| Cost of funding earning assets | 0.2524% | 4,757 |
| Net interest margin | 3.6552% | 2,918 |
| Noninterest income to average assets | 0.4038% | 4,007 |
| Noninterest expense to average assets | 3.2143% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3164% | 5,314 |
| Return on assets (ROA) | 0.3169% | 5,396 |
| Pretax return on assets | 0.4979% | 5,121 |
| Return on Equity (ROE) | 2.5829% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.5829% | 4,233 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6060% | 950 |
| Assets per employee ($millions) | 5.2325% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.7803% | 4,625 |
| Net loans and leases to deposits | 68.4120% | 4,094 |
| Net loans and leases to core deposits | 69.2259% | 4,357 |
| Total domestic deposits to total assets | 77.1506% | 5,292 |
| Equity capital to assets | 12.1374% | 1,858 |
| Core capital (leverage) ratio | 11.1391% | 2,275 |
| Tier 1 risk-based capital ratio | 16.8751% | 2,332 |
| Total risk-based capital ratio | 18.1384% | 2,274 |
| Memoranda: | ||
| Average total assets | $124,320,000 | 4,001 |
| Average earning assets | $112,498,400 | 4,028 |
| Average equity | $15,254,200 | 3,789 |
| Average total loans | $66,060,000 | 4,197 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,820 |
| Cost of funding earning assets | 0.2486% | 4,895 |
| Net interest margin | 3.6291% | 3,034 |
| Noninterest income to average assets | 0.4097% | 4,009 |
| Noninterest expense to average assets | 3.2224% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2980% | 5,454 |
| Return on assets (ROA) | 0.3193% | 5,481 |
| Pretax return on assets | 0.5010% | 5,214 |
| Return on Equity (ROE) | 2.5954% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.5954% | 4,566 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3252% | 908 |
| Assets per employee ($millions) | 5.4009% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3169% | 561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.8785% | 4,771 |
| Net loans and leases to deposits | 68.1704% | 4,179 |
| Net loans and leases to core deposits | 68.9660% | 4,461 |
| Total domestic deposits to total assets | 76.1013% | 5,474 |
| Equity capital to assets | 11.8792% | 2,189 |
| Core capital (leverage) ratio | 10.9569% | 2,535 |
| Tier 1 risk-based capital ratio | 16.4644% | 2,595 |
| Total risk-based capital ratio | 17.7295% | 2,545 |
| Memoranda: | ||
| Average total assets | $124,005,250 | 4,043 |
| Average earning assets | $112,092,500 | 4,082 |
| Average equity | $15,257,250 | 3,827 |
| Average total loans | $65,606,000 | 4,257 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,876 |
| Cost of funding earning assets | 0.2478% | 4,965 |
| Net interest margin | 3.6013% | 3,090 |
| Noninterest income to average assets | 0.3603% | 4,367 |
| Noninterest expense to average assets | 3.2309% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2519% | 5,576 |
| Return on assets (ROA) | 0.2849% | 5,569 |
| Pretax return on assets | 0.4405% | 5,376 |
| Return on Equity (ROE) | 2.2879% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.2879% | 4,576 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2356% | 808 |
| Assets per employee ($millions) | 5.6296% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3526% | 590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.1284% | 4,837 |
| Net loans and leases to deposits | 65.6242% | 4,373 |
| Net loans and leases to core deposits | 66.2056% | 4,637 |
| Total domestic deposits to total assets | 77.9109% | 5,295 |
| Equity capital to assets | 11.6891% | 2,260 |
| Core capital (leverage) ratio | 11.4129% | 2,062 |
| Tier 1 risk-based capital ratio | 16.4802% | 2,619 |
| Total risk-based capital ratio | 17.7452% | 2,566 |
| Memoranda: | ||
| Average total assets | $122,133,000 | 4,114 |
| Average earning assets | $110,572,330 | 4,142 |
| Average equity | $15,210,330 | 3,852 |
| Average total loans | $64,527,670 | 4,326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 3,638 |
| Cost of funding earning assets | 0.2580% | 4,928 |
| Net interest margin | 3.6379% | 2,867 |
| Noninterest income to average assets | 0.2229% | 5,359 |
| Noninterest expense to average assets | 3.2889% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1483% | 5,795 |
| Return on assets (ROA) | 0.2195% | 5,723 |
| Pretax return on assets | 0.3242% | 5,593 |
| Return on Equity (ROE) | 1.7051% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.7051% | 4,793 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7440% | 604 |
| Assets per employee ($millions) | 5.0877% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4569% | 564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 5,122 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.1157% | 4,428 |
| Net loans and leases to deposits | 70.7175% | 3,668 |
| Net loans and leases to core deposits | 71.4218% | 4,018 |
| Total domestic deposits to total assets | 76.5237% | 5,681 |
| Equity capital to assets | 13.0956% | 1,347 |
| Core capital (leverage) ratio | 11.9533% | 1,669 |
| Tier 1 risk-based capital ratio | 16.0137% | 2,913 |
| Total risk-based capital ratio | 17.2707% | 2,847 |
| Memoranda: | ||
| Average total assets | $118,459,500 | 4,212 |
| Average earning assets | $106,985,500 | 4,235 |
| Average equity | $15,248,000 | 3,881 |
| Average total loans | $62,893,500 | 4,400 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,325 |
| Cost of funding earning assets | 0.2839% | 4,967 |
| Net interest margin | 3.8173% | 2,561 |
| Noninterest income to average assets | 0.4353% | 3,928 |
| Noninterest expense to average assets | 3.4622% | 1,569 |
| Loan and lease loss provision to assets | -0.7598% | 6,476 |
| Net operating income to assets | 1.9640% | 348 |
| Return on assets (ROA) | 2.0122% | 328 |
| Pretax return on assets | 1.2435% | 2,473 |
| Return on Equity (ROE) | 16.5146% | 549 |
| Retained earnings to average equity (ytd only) | 16.5146% | 113 |
| Net charge-offs to loans | -1.6890% | 6,461 |
| Credit loss provision to net charge-offs | 86.0324% | 2,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8303% | 925 |
| Assets per employee ($millions) | 5.4501% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6204% | 473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 5,213 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 49.4341% | 5,026 |
| Net loans and leases to deposits | 62.0276% | 4,726 |
| Net loans and leases to core deposits | 62.6055% | 4,951 |
| Total domestic deposits to total assets | 79.6969% | 5,093 |
| Equity capital to assets | 12.6536% | 1,566 |
| Core capital (leverage) ratio | 12.4711% | 1,368 |
| Tier 1 risk-based capital ratio | 17.8708% | 2,183 |
| Total risk-based capital ratio | 19.1298% | 2,144 |
| Memoranda: | ||
| Average total assets | $111,865,800 | 4,351 |
| Average earning assets | $101,460,200 | 4,365 |
| Average equity | $13,630,400 | 4,085 |
| Average total loans | $58,497,600 | 4,533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,307 |
| Cost of funding earning assets | 0.2856% | 5,038 |
| Net interest margin | 3.8319% | 2,505 |
| Noninterest income to average assets | 0.5037% | 3,526 |
| Noninterest expense to average assets | 3.4820% | 1,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0839% | 295 |
| Return on assets (ROA) | 2.1045% | 290 |
| Pretax return on assets | 0.5267% | 5,245 |
| Return on Equity (ROE) | 17.4552% | 498 |
| Retained earnings to average equity (ytd only) | 17.4552% | 127 |
| Net charge-offs to loans | -0.3178% | 6,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3098% | 1,068 |
| Assets per employee ($millions) | 4.9280% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 479 |
| Loan loss allowance to noncurrent loans | 445.5307% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,285 |
| Noncurrent loans to loans | 0.6120% | 4,088 |
| Net loans and leases to total assets | 50.2065% | 4,984 |
| Net loans and leases to deposits | 63.4396% | 4,599 |
| Net loans and leases to core deposits | 63.8884% | 4,887 |
| Total domestic deposits to total assets | 79.1405% | 5,293 |
| Equity capital to assets | 12.7911% | 1,531 |
| Core capital (leverage) ratio | 13.0111% | 1,170 |
| Tier 1 risk-based capital ratio | 18.0282% | 2,202 |
| Total risk-based capital ratio | 19.2875% | 2,155 |
| Memoranda: | ||
| Average total assets | $109,856,500 | 4,424 |
| Average earning assets | $99,895,500 | 4,442 |
| Average equity | $13,245,000 | 4,172 |
| Average total loans | $57,905,000 | 4,596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 3,034 |
| Cost of funding earning assets | 0.2817% | 5,161 |
| Net interest margin | 3.8971% | 2,179 |
| Noninterest income to average assets | 0.3882% | 4,333 |
| Noninterest expense to average assets | 3.4887% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4637% | 4,958 |
| Return on assets (ROA) | 0.4931% | 4,913 |
| Pretax return on assets | 0.4931% | 5,295 |
| Return on Equity (ROE) | 4.1786% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.1786% | 3,511 |
| Net charge-offs to loans | -0.4506% | 6,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2682% | 1,058 |
| Assets per employee ($millions) | 4.7814% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7933% | 475 |
| Loan loss allowance to noncurrent loans | 231.6788% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 3,445 |
| Noncurrent loans to loans | 1.2057% | 2,822 |
| Net loans and leases to total assets | 50.2196% | 4,938 |
| Net loans and leases to deposits | 62.9408% | 4,601 |
| Net loans and leases to core deposits | 63.3647% | 4,874 |
| Total domestic deposits to total assets | 79.7887% | 5,291 |
| Equity capital to assets | 11.9138% | 2,054 |
| Core capital (leverage) ratio | 11.9107% | 1,712 |
| Tier 1 risk-based capital ratio | 16.9677% | 2,632 |
| Total risk-based capital ratio | 18.2291% | 2,586 |
| Memoranda: | ||
| Average total assets | $108,694,000 | 4,473 |
| Average earning assets | $99,408,000 | 4,484 |
| Average equity | $12,827,330 | 4,258 |
| Average total loans | $57,706,330 | 4,626 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,014 |
| Cost of funding earning assets | 0.2849% | 5,222 |
| Net interest margin | 3.8797% | 2,159 |
| Noninterest income to average assets | 0.5442% | 3,086 |
| Noninterest expense to average assets | 3.5316% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5923% | 4,230 |
| Return on assets (ROA) | 0.6774% | 3,884 |
| Pretax return on assets | 0.6774% | 4,563 |
| Return on Equity (ROE) | 5.7683% | 4,145 |
| Retained earnings to average equity (ytd only) | 5.7683% | 2,659 |
| Net charge-offs to loans | 0.0344% | 2,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,007 |
| Efficiency ratio | 85.6373% | 1,486 |
| Assets per employee ($millions) | 4.9180% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 833 |
| Loan loss allowance to noncurrent loans | 100.3455% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 2,644 |
| Noncurrent loans to loans | 2.4664% | 1,410 |
| Net loans and leases to total assets | 52.8822% | 4,554 |
| Net loans and leases to deposits | 66.3724% | 4,047 |
| Net loans and leases to core deposits | 66.8267% | 4,413 |
| Total domestic deposits to total assets | 79.6750% | 5,551 |
| Equity capital to assets | 11.9208% | 1,926 |
| Core capital (leverage) ratio | 11.7961% | 1,764 |
| Tier 1 risk-based capital ratio | 18.0554% | 2,272 |
| Total risk-based capital ratio | 19.3158% | 2,247 |
| Memoranda: | ||
| Average total assets | $108,054,500 | 4,528 |
| Average earning assets | $99,699,000 | 4,520 |
| Average equity | $12,690,000 | 4,297 |
| Average total loans | $58,152,000 | 4,648 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 4,134 |
| Cost of funding earning assets | 0.3015% | 5,588 |
| Net interest margin | 3.6824% | 3,125 |
| Noninterest income to average assets | 0.2911% | 5,271 |
| Noninterest expense to average assets | 3.3912% | 1,905 |
| Loan and lease loss provision to assets | 0.0951% | 3,219 |
| Net operating income to assets | 0.1835% | 5,870 |
| Return on assets (ROA) | 0.3574% | 5,422 |
| Pretax return on assets | 0.3583% | 5,585 |
| Return on Equity (ROE) | 2.9347% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.9347% | 4,152 |
| Net charge-offs to loans | -0.3197% | 6,682 |
| Credit loss provision to net charge-offs | -52.1053% | 5,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3842% | 848 |
| Assets per employee ($millions) | 4.9051% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5280% | 803 |
| Loan loss allowance to noncurrent loans | 73.9970% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8246% | 2,009 |
| Noncurrent loans to loans | 3.4163% | 934 |
| Net loans and leases to total assets | 52.0591% | 4,839 |
| Net loans and leases to deposits | 65.0607% | 4,406 |
| Net loans and leases to core deposits | 65.6976% | 4,721 |
| Total domestic deposits to total assets | 80.0161% | 5,441 |
| Equity capital to assets | 11.5668% | 2,118 |
| Core capital (leverage) ratio | 11.5854% | 1,899 |
| Tier 1 risk-based capital ratio | 18.2508% | 2,168 |
| Total risk-based capital ratio | 19.5117% | 2,124 |
| Memoranda: | ||
| Average total assets | $104,093,800 | 4,645 |
| Average earning assets | $95,534,600 | 4,631 |
| Average equity | $12,676,000 | 4,318 |
| Average total loans | $59,431,800 | 4,634 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9944% | 4,150 |
| Cost of funding earning assets | 0.3063% | 5,679 |
| Net interest margin | 3.6881% | 3,074 |
| Noninterest income to average assets | 0.3012% | 5,291 |
| Noninterest expense to average assets | 3.3817% | 1,868 |
| Loan and lease loss provision to assets | 0.1280% | 2,686 |
| Net operating income to assets | 0.1681% | 5,993 |
| Return on assets (ROA) | 0.4020% | 5,373 |
| Pretax return on assets | 0.4033% | 5,614 |
| Return on Equity (ROE) | 3.2588% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.2588% | 4,358 |
| Net charge-offs to loans | -0.4231% | 6,763 |
| Credit loss provision to net charge-offs | -52.1053% | 5,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9185% | 859 |
| Assets per employee ($millions) | 5.2768% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 1,015 |
| Loan loss allowance to noncurrent loans | 61.5287% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.2438% | 1,765 |
| Noncurrent loans to loans | 3.9469% | 893 |
| Net loans and leases to total assets | 55.4688% | 4,399 |
| Net loans and leases to deposits | 69.8573% | 3,807 |
| Net loans and leases to core deposits | 70.5612% | 4,258 |
| Total domestic deposits to total assets | 79.4030% | 5,650 |
| Equity capital to assets | 11.9941% | 1,921 |
| Core capital (leverage) ratio | 12.1968% | 1,563 |
| Tier 1 risk-based capital ratio | 17.8113% | 2,398 |
| Total risk-based capital ratio | 19.0720% | 2,359 |
| Memoranda: | ||
| Average total assets | $103,139,250 | 4,714 |
| Average earning assets | $94,463,000 | 4,715 |
| Average equity | $12,724,500 | 4,363 |
| Average total loans | $59,881,000 | 4,657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 4,113 |
| Cost of funding earning assets | 0.3142% | 5,724 |
| Net interest margin | 3.6853% | 3,012 |
| Noninterest income to average assets | 0.3205% | 5,144 |
| Noninterest expense to average assets | 3.3672% | 1,896 |
| Loan and lease loss provision to assets | 0.1935% | 1,965 |
| Net operating income to assets | 0.1505% | 6,024 |
| Return on assets (ROA) | 0.5042% | 4,947 |
| Pretax return on assets | 0.5062% | 5,351 |
| Return on Equity (ROE) | 4.0481% | 5,199 |
| Retained earnings to average equity (ytd only) | 4.0481% | 3,722 |
| Net charge-offs to loans | -0.2640% | 6,730 |
| Credit loss provision to net charge-offs | -125.3165% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6842% | 1,010 |
| Assets per employee ($millions) | 4.5314% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2970% | 1,267 |
| Loan loss allowance to noncurrent loans | 53.1386% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 1,662 |
| Noncurrent loans to loans | 4.3227% | 836 |
| Net loans and leases to total assets | 57.4295% | 4,074 |
| Net loans and leases to deposits | 73.4104% | 3,239 |
| Net loans and leases to core deposits | 74.6898% | 3,700 |
| Total domestic deposits to total assets | 78.2307% | 5,940 |
| Equity capital to assets | 12.6661% | 1,489 |
| Core capital (leverage) ratio | 12.1923% | 1,511 |
| Tier 1 risk-based capital ratio | 17.7739% | 2,404 |
| Total risk-based capital ratio | 19.0333% | 2,368 |
| Memoranda: | ||
| Average total assets | $102,340,670 | 4,759 |
| Average earning assets | $94,211,330 | 4,750 |
| Average equity | $12,746,670 | 4,386 |
| Average total loans | $59,842,670 | 4,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 4,463 |
| Cost of funding earning assets | 0.3266% | 5,749 |
| Net interest margin | 3.5753% | 3,363 |
| Noninterest income to average assets | 0.2585% | 5,612 |
| Noninterest expense to average assets | 3.3531% | 1,949 |
| Loan and lease loss provision to assets | 0.3820% | 835 |
| Net operating income to assets | -0.1814% | 6,506 |
| Return on assets (ROA) | -0.1814% | 6,545 |
| Pretax return on assets | -0.1814% | 6,538 |
| Return on Equity (ROE) | -1.4680% | 6,535 |
| Retained earnings to average equity (ytd only) | -1.4680% | 6,020 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3540% | 810 |
| Assets per employee ($millions) | 4.8869% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 1,851 |
| Loan loss allowance to noncurrent loans | 43.7457% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 2.8200% | 1,603 |
| Noncurrent loans to loans | 4.7490% | 837 |
| Net loans and leases to total assets | 58.1472% | 3,765 |
| Net loans and leases to deposits | 73.8701% | 2,932 |
| Net loans and leases to core deposits | 74.8748% | 3,481 |
| Total domestic deposits to total assets | 78.7155% | 6,008 |
| Equity capital to assets | 12.4454% | 1,742 |
| Core capital (leverage) ratio | 11.8103% | 1,673 |
| Tier 1 risk-based capital ratio | 16.9877% | 2,757 |
| Total risk-based capital ratio | 18.2422% | 2,730 |
| Memoranda: | ||
| Average total assets | $103,665,500 | 4,775 |
| Average earning assets | $95,544,000 | 4,751 |
| Average equity | $12,806,500 | 4,418 |
| Average total loans | $60,465,000 | 4,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 3,483 |
| Cost of funding earning assets | 0.3927% | 5,968 |
| Net interest margin | 4.0883% | 2,048 |
| Noninterest income to average assets | 0.2727% | 5,510 |
| Noninterest expense to average assets | 3.6895% | 1,433 |
| Loan and lease loss provision to assets | 0.2128% | 3,016 |
| Net operating income to assets | 0.1449% | 5,901 |
| Return on assets (ROA) | 0.1449% | 6,061 |
| Pretax return on assets | 0.1459% | 6,076 |
| Return on Equity (ROE) | 1.1305% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.1305% | 5,308 |
| Net charge-offs to loans | 1.2255% | 822 |
| Credit loss provision to net charge-offs | 29.5423% | 5,121 |
| Earnings coverage of net charge-offs (x) | 0.4979% | 5,238 |
| Efficiency ratio | 91.1402% | 976 |
| Assets per employee ($millions) | 4.7594% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9470% | 2,158 |
| Loan loss allowance to noncurrent loans | 65.0696% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7143% | 2,827 |
| Noncurrent loans to loans | 2.9921% | 1,743 |
| Net loans and leases to total assets | 56.1787% | 4,261 |
| Net loans and leases to deposits | 71.0509% | 3,555 |
| Net loans and leases to core deposits | 72.1038% | 4,035 |
| Total domestic deposits to total assets | 79.0683% | 5,872 |
| Equity capital to assets | 12.2637% | 1,883 |
| Core capital (leverage) ratio | 11.5838% | 1,819 |
| Tier 1 risk-based capital ratio | 17.9813% | 2,267 |
| Total risk-based capital ratio | 19.2377% | 2,237 |
| Memoranda: | ||
| Average total assets | $100,095,400 | 4,834 |
| Average earning assets | $92,434,800 | 4,798 |
| Average equity | $12,825,800 | 4,398 |
| Average total loans | $58,834,200 | 4,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 3,284 |
| Cost of funding earning assets | 0.4023% | 6,106 |
| Net interest margin | 4.1785% | 1,803 |
| Noninterest income to average assets | 0.2803% | 5,534 |
| Noninterest expense to average assets | 3.8338% | 1,152 |
| Loan and lease loss provision to assets | -0.1132% | 7,048 |
| Net operating income to assets | 0.4218% | 5,154 |
| Return on assets (ROA) | 0.4218% | 5,394 |
| Pretax return on assets | 0.4231% | 5,663 |
| Return on Equity (ROE) | 3.2547% | 5,592 |
| Retained earnings to average equity (ytd only) | 3.2547% | 4,575 |
| Net charge-offs to loans | 0.0456% | 5,016 |
| Credit loss provision to net charge-offs | -420.0000% | 6,422 |
| Earnings coverage of net charge-offs (x) | 11.4983% | 2,074 |
| Efficiency ratio | 92.5203% | 858 |
| Assets per employee ($millions) | 5.0055% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6954% | 985 |
| Loan loss allowance to noncurrent loans | 85.6676% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.8330% | 2,881 |
| Noncurrent loans to loans | 3.1464% | 1,757 |
| Net loans and leases to total assets | 56.6872% | 4,345 |
| Net loans and leases to deposits | 72.8336% | 3,469 |
| Net loans and leases to core deposits | 73.9805% | 3,975 |
| Total domestic deposits to total assets | 77.8312% | 6,110 |
| Equity capital to assets | 13.1127% | 1,538 |
| Core capital (leverage) ratio | 12.3902% | 1,451 |
| Tier 1 risk-based capital ratio | 19.0974% | 1,983 |
| Total risk-based capital ratio | 20.3640% | 1,948 |
| Memoranda: | ||
| Average total assets | $98,942,500 | 4,905 |
| Average earning assets | $91,482,750 | 4,869 |
| Average equity | $12,822,000 | 4,436 |
| Average total loans | $58,545,000 | 4,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 3,059 |
| Cost of funding earning assets | 0.4154% | 6,191 |
| Net interest margin | 4.2527% | 1,595 |
| Noninterest income to average assets | 0.2841% | 5,541 |
| Noninterest expense to average assets | 3.8598% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3490% | 5,432 |
| Return on assets (ROA) | 0.3490% | 5,657 |
| Pretax return on assets | 0.3511% | 5,826 |
| Return on Equity (ROE) | 2.7043% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.7043% | 4,825 |
| Net charge-offs to loans | -0.4674% | 7,122 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6627% | 946 |
| Assets per employee ($millions) | 4.4961% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1614% | 670 |
| Loan loss allowance to noncurrent loans | 171.3611% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 4,247 |
| Noncurrent loans to loans | 1.8449% | 3,156 |
| Net loans and leases to total assets | 56.1447% | 4,443 |
| Net loans and leases to deposits | 72.0625% | 3,597 |
| Net loans and leases to core deposits | 73.2092% | 4,139 |
| Total domestic deposits to total assets | 77.9111% | 6,172 |
| Equity capital to assets | 12.9961% | 1,522 |
| Core capital (leverage) ratio | 12.5465% | 1,332 |
| Tier 1 risk-based capital ratio | 18.9939% | 1,968 |
| Total risk-based capital ratio | 20.2623% | 1,947 |
| Memoranda: | ||
| Average total assets | $98,553,670 | 4,938 |
| Average earning assets | $91,001,330 | 4,900 |
| Average equity | $12,720,330 | 4,454 |
| Average total loans | $58,619,670 | 4,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 2,836 |
| Cost of funding earning assets | 0.4233% | 6,294 |
| Net interest margin | 4.3299% | 1,379 |
| Noninterest income to average assets | 0.2806% | 5,619 |
| Noninterest expense to average assets | 3.9685% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3050% | 5,643 |
| Return on assets (ROA) | 0.3050% | 5,808 |
| Pretax return on assets | 0.3050% | 5,968 |
| Return on Equity (ROE) | 2.3710% | 5,954 |
| Retained earnings to average equity (ytd only) | 2.3710% | 5,077 |
| Net charge-offs to loans | -0.9248% | 7,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8639% | 889 |
| Assets per employee ($millions) | 4.2948% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1478% | 717 |
| Loan loss allowance to noncurrent loans | 166.9429% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 4,291 |
| Noncurrent loans to loans | 1.8856% | 3,299 |
| Net loans and leases to total assets | 56.4709% | 4,297 |
| Net loans and leases to deposits | 72.3812% | 3,369 |
| Net loans and leases to core deposits | 73.5299% | 3,957 |
| Total domestic deposits to total assets | 78.0188% | 6,260 |
| Equity capital to assets | 12.8731% | 1,496 |
| Core capital (leverage) ratio | 12.4546% | 1,360 |
| Tier 1 risk-based capital ratio | 19.2127% | 1,931 |
| Total risk-based capital ratio | 20.4816% | 1,892 |
| Memoranda: | ||
| Average total assets | $98,373,500 | 4,967 |
| Average earning assets | $90,718,000 | 4,938 |
| Average equity | $12,653,000 | 4,472 |
| Average total loans | $59,255,500 | 4,847 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 2,735 |
| Cost of funding earning assets | 0.5342% | 6,405 |
| Net interest margin | 4.5020% | 1,126 |
| Noninterest income to average assets | 0.1893% | 6,147 |
| Noninterest expense to average assets | 4.0129% | 1,022 |
| Loan and lease loss provision to assets | 0.1435% | 4,817 |
| Net operating income to assets | 0.1864% | 5,630 |
| Return on assets (ROA) | 0.1517% | 5,866 |
| Pretax return on assets | 0.2138% | 5,749 |
| Return on Equity (ROE) | 1.2185% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.2185% | 5,283 |
| Net charge-offs to loans | -0.2679% | 7,232 |
| Credit loss provision to net charge-offs | -85.4545% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8086% | 1,134 |
| Assets per employee ($millions) | 3.9187% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7530% | 1,031 |
| Loan loss allowance to noncurrent loans | 72.0052% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 2,547 |
| Noncurrent loans to loans | 3.8233% | 1,640 |
| Net loans and leases to total assets | 60.4683% | 3,901 |
| Net loans and leases to deposits | 77.5583% | 2,908 |
| Net loans and leases to core deposits | 78.7994% | 3,590 |
| Total domestic deposits to total assets | 77.9650% | 6,200 |
| Equity capital to assets | 12.8513% | 1,571 |
| Core capital (leverage) ratio | 12.0080% | 1,589 |
| Tier 1 risk-based capital ratio | 18.1878% | 2,137 |
| Total risk-based capital ratio | 19.4537% | 2,097 |
| Memoranda: | ||
| Average total assets | $98,234,200 | 4,939 |
| Average earning assets | $92,292,800 | 4,847 |
| Average equity | $12,227,800 | 4,493 |
| Average total loans | $61,579,800 | 4,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 2,678 |
| Cost of funding earning assets | 0.5595% | 6,478 |
| Net interest margin | 4.5260% | 1,089 |
| Noninterest income to average assets | 0.1804% | 6,301 |
| Noninterest expense to average assets | 4.1029% | 897 |
| Loan and lease loss provision to assets | 0.2333% | 3,682 |
| Net operating income to assets | 0.0524% | 6,069 |
| Return on assets (ROA) | 0.0081% | 6,244 |
| Pretax return on assets | 0.0434% | 6,168 |
| Return on Equity (ROE) | 0.0659% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.0659% | 5,932 |
| Net charge-offs to loans | -0.3563% | 7,319 |
| Credit loss provision to net charge-offs | -104.2424% | 6,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2256% | 1,017 |
| Assets per employee ($millions) | 4.0371% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7934% | 1,039 |
| Loan loss allowance to noncurrent loans | 81.6444% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0728% | 3,056 |
| Noncurrent loans to loans | 3.4214% | 2,011 |
| Net loans and leases to total assets | 58.8911% | 4,345 |
| Net loans and leases to deposits | 74.8181% | 3,543 |
| Net loans and leases to core deposits | 75.7256% | 4,226 |
| Total domestic deposits to total assets | 78.7123% | 6,047 |
| Equity capital to assets | 12.3812% | 1,981 |
| Core capital (leverage) ratio | 12.0340% | 1,688 |
| Tier 1 risk-based capital ratio | 19.0019% | 1,938 |
| Total risk-based capital ratio | 20.2704% | 1,906 |
| Memoranda: | ||
| Average total assets | $98,301,000 | 4,973 |
| Average earning assets | $92,706,000 | 4,877 |
| Average equity | $12,137,250 | 4,527 |
| Average total loans | $61,745,750 | 4,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 3,151 |
| Cost of funding earning assets | 0.5868% | 6,515 |
| Net interest margin | 4.4142% | 1,327 |
| Noninterest income to average assets | 0.1724% | 6,428 |
| Noninterest expense to average assets | 3.9599% | 1,108 |
| Loan and lease loss provision to assets | 0.3531% | 2,668 |
| Net operating income to assets | 0.0370% | 6,153 |
| Return on assets (ROA) | -0.0472% | 6,352 |
| Pretax return on assets | -0.0246% | 6,286 |
| Return on Equity (ROE) | -0.3828% | 6,344 |
| Retained earnings to average equity (ytd only) | -0.3828% | 5,925 |
| Net charge-offs to loans | 0.4359% | 2,832 |
| Credit loss provision to net charge-offs | 127.4074% | 2,399 |
| Earnings coverage of net charge-offs (x) | 1.4889% | 4,171 |
| Efficiency ratio | 90.5634% | 1,204 |
| Assets per employee ($millions) | 3.9831% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2608% | 1,806 |
| Loan loss allowance to noncurrent loans | 48.3350% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 2,295 |
| Noncurrent loans to loans | 4.6773% | 1,408 |
| Net loans and leases to total assets | 61.1296% | 4,068 |
| Net loans and leases to deposits | 77.8352% | 3,145 |
| Net loans and leases to core deposits | 78.7974% | 3,962 |
| Total domestic deposits to total assets | 78.5372% | 6,180 |
| Equity capital to assets | 12.4446% | 1,818 |
| Core capital (leverage) ratio | 12.3138% | 1,446 |
| Tier 1 risk-based capital ratio | 18.1981% | 2,104 |
| Total risk-based capital ratio | 19.4733% | 2,057 |
| Memoranda: | ||
| Average total assets | $97,425,670 | 5,036 |
| Average earning assets | $92,701,670 | 4,913 |
| Average equity | $12,017,670 | 4,557 |
| Average total loans | $61,946,000 | 4,871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0489% | 2,864 |
| Cost of funding earning assets | 0.6093% | 6,573 |
| Net interest margin | 4.4395% | 1,193 |
| Noninterest income to average assets | 0.1536% | 6,620 |
| Noninterest expense to average assets | 3.6783% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7099% | 3,477 |
| Return on assets (ROA) | 0.7099% | 3,543 |
| Pretax return on assets | 0.7099% | 4,267 |
| Return on Equity (ROE) | 5.7817% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.7817% | 2,762 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8221% | 1,975 |
| Assets per employee ($millions) | 4.6703% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 1,962 |
| Loan loss allowance to noncurrent loans | 46.1616% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 3.0282% | 2,283 |
| Noncurrent loans to loans | 4.7701% | 1,439 |
| Net loans and leases to total assets | 62.0859% | 3,838 |
| Net loans and leases to deposits | 78.8910% | 2,913 |
| Net loans and leases to core deposits | 80.1527% | 3,731 |
| Total domestic deposits to total assets | 78.6984% | 6,260 |
| Equity capital to assets | 12.1160% | 1,851 |
| Core capital (leverage) ratio | 12.6233% | 1,276 |
| Tier 1 risk-based capital ratio | 18.5531% | 1,944 |
| Total risk-based capital ratio | 19.8276% | 1,891 |
| Memoranda: | ||
| Average total assets | $96,350,000 | 5,100 |
| Average earning assets | $91,902,000 | 4,973 |
| Average equity | $11,830,500 | 4,591 |
| Average total loans | $61,779,500 | 4,914 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 3,554 |
| Cost of funding earning assets | 0.8110% | 6,519 |
| Net interest margin | 4.3995% | 1,474 |
| Noninterest income to average assets | 0.1880% | 6,413 |
| Noninterest expense to average assets | 4.3827% | 737 |
| Loan and lease loss provision to assets | 1.2919% | 1,194 |
| Net operating income to assets | -1.3017% | 6,831 |
| Return on assets (ROA) | -0.7148% | 6,561 |
| Pretax return on assets | -0.7137% | 6,465 |
| Return on Equity (ROE) | -5.1607% | 6,448 |
| Retained earnings to average equity (ytd only) | -5.1607% | 6,320 |
| Net charge-offs to loans | 1.6031% | 1,354 |
| Credit loss provision to net charge-offs | 122.1074% | 3,427 |
| Earnings coverage of net charge-offs (x) | -0.0083% | 6,137 |
| Efficiency ratio | 100.1999% | 766 |
| Assets per employee ($millions) | 3.9426% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 1,805 |
| Loan loss allowance to noncurrent loans | 45.2924% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 3.1990% | 2,212 |
| Noncurrent loans to loans | 4.9383% | 1,373 |
| Net loans and leases to total assets | 63.3303% | 4,003 |
| Net loans and leases to deposits | 81.2014% | 2,951 |
| Net loans and leases to core deposits | 83.1437% | 3,727 |
| Total domestic deposits to total assets | 77.9916% | 6,314 |
| Equity capital to assets | 12.4473% | 1,668 |
| Core capital (leverage) ratio | 12.0843% | 1,490 |
| Tier 1 risk-based capital ratio | 18.4587% | 1,856 |
| Total risk-based capital ratio | 19.7339% | 1,810 |
| Memoranda: | ||
| Average total assets | $91,496,600 | 5,241 |
| Average earning assets | $87,055,600 | 5,114 |
| Average equity | $12,672,600 | 4,441 |
| Average total loans | $60,383,400 | 5,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 3,449 |
| Cost of funding earning assets | 0.8158% | 6,709 |
| Net interest margin | 4.4646% | 1,334 |
| Noninterest income to average assets | 0.2043% | 6,438 |
| Noninterest expense to average assets | 4.7738% | 453 |
| Loan and lease loss provision to assets | 1.5903% | 812 |
| Net operating income to assets | -1.9225% | 7,219 |
| Return on assets (ROA) | -1.1670% | 7,006 |
| Pretax return on assets | -1.1655% | 6,929 |
| Return on Equity (ROE) | -8.2089% | 6,848 |
| Retained earnings to average equity (ytd only) | -8.2089% | 6,785 |
| Net charge-offs to loans | 2.2231% | 805 |
| Credit loss provision to net charge-offs | 107.8764% | 3,950 |
| Earnings coverage of net charge-offs (x) | -0.2243% | 6,190 |
| Efficiency ratio | 107.4429% | 568 |
| Assets per employee ($millions) | 4.4800% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,202 |
| Loan loss allowance to noncurrent loans | 44.6855% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.8064% | 2,589 |
| Noncurrent loans to loans | 4.4885% | 1,610 |
| Net loans and leases to total assets | 61.2709% | 4,671 |
| Net loans and leases to deposits | 78.3232% | 3,773 |
| Net loans and leases to core deposits | 81.0664% | 4,373 |
| Total domestic deposits to total assets | 78.2283% | 6,212 |
| Equity capital to assets | 12.4910% | 1,863 |
| Core capital (leverage) ratio | 12.2709% | 1,526 |
| Tier 1 risk-based capital ratio | 18.1437% | 1,989 |
| Total risk-based capital ratio | 19.4158% | 1,937 |
| Memoranda: | ||
| Average total assets | $90,715,000 | 5,332 |
| Average earning assets | $86,127,750 | 5,200 |
| Average equity | $12,896,250 | 4,459 |
| Average total loans | $60,155,250 | 5,142 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 3,179 |
| Cost of funding earning assets | 0.7899% | 6,947 |
| Net interest margin | 4.5673% | 1,070 |
| Noninterest income to average assets | 0.2134% | 6,396 |
| Noninterest expense to average assets | 4.6992% | 477 |
| Loan and lease loss provision to assets | 0.1907% | 4,972 |
| Net operating income to assets | -0.3473% | 6,519 |
| Return on assets (ROA) | 0.8195% | 3,030 |
| Pretax return on assets | 0.8218% | 3,810 |
| Return on Equity (ROE) | 5.5151% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.5151% | 2,600 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3966% | 699 |
| Assets per employee ($millions) | 3.8790% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0056% | 2,165 |
| Loan loss allowance to noncurrent loans | 50.5916% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.6328% | 2,742 |
| Noncurrent loans to loans | 3.9644% | 1,926 |
| Net loans and leases to total assets | 65.0798% | 4,026 |
| Net loans and leases to deposits | 85.5058% | 2,600 |
| Net loans and leases to core deposits | 88.4364% | 3,492 |
| Total domestic deposits to total assets | 76.1115% | 6,669 |
| Equity capital to assets | 14.2994% | 1,067 |
| Core capital (leverage) ratio | 13.8827% | 954 |
| Tier 1 risk-based capital ratio | 19.5565% | 1,594 |
| Total risk-based capital ratio | 20.8288% | 1,559 |
| Memoranda: | ||
| Average total assets | $88,100,330 | 5,447 |
| Average earning assets | $83,551,000 | 5,312 |
| Average equity | $13,091,330 | 4,416 |
| Average total loans | $59,665,670 | 5,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 3,018 |
| Cost of funding earning assets | 0.6725% | 7,394 |
| Net interest margin | 4.7323% | 726 |
| Noninterest income to average assets | 0.2196% | 6,391 |
| Noninterest expense to average assets | 4.3036% | 720 |
| Loan and lease loss provision to assets | 0.1729% | 4,792 |
| Net operating income to assets | 0.2477% | 5,502 |
| Return on assets (ROA) | 2.3691% | 205 |
| Pretax return on assets | 2.3691% | 312 |
| Return on Equity (ROE) | 15.6228% | 781 |
| Retained earnings to average equity (ytd only) | 15.6228% | 368 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0979% | 1,343 |
| Assets per employee ($millions) | 4.1006% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,171 |
| Loan loss allowance to noncurrent loans | 59.8595% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2092% | 3,266 |
| Noncurrent loans to loans | 3.3507% | 2,387 |
| Net loans and leases to total assets | 64.6097% | 4,190 |
| Net loans and leases to deposits | 81.8879% | 3,301 |
| Net loans and leases to core deposits | 84.6616% | 4,109 |
| Total domestic deposits to total assets | 78.9002% | 6,099 |
| Equity capital to assets | 14.4989% | 1,003 |
| Core capital (leverage) ratio | 15.3443% | 679 |
| Tier 1 risk-based capital ratio | 20.1487% | 1,494 |
| Total risk-based capital ratio | 21.4208% | 1,461 |
| Memoranda: | ||
| Average total assets | $85,603,000 | 5,581 |
| Average earning assets | $81,482,500 | 5,457 |
| Average equity | $12,981,000 | 4,480 |
| Average total loans | $58,585,500 | 5,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 5,904 |
| Cost of funding earning assets | 0.7264% | 7,654 |
| Net interest margin | 4.4177% | 1,385 |
| Noninterest income to average assets | 0.2057% | 6,638 |
| Noninterest expense to average assets | 5.0691% | 492 |
| Loan and lease loss provision to assets | 1.4089% | 1,628 |
| Net operating income to assets | -2.1127% | 7,135 |
| Return on assets (ROA) | -2.1127% | 7,131 |
| Pretax return on assets | -2.1113% | 6,980 |
| Return on Equity (ROE) | -11.1026% | 6,704 |
| Retained earnings to average equity (ytd only) | -11.1026% | 6,606 |
| Net charge-offs to loans | 0.9082% | 2,573 |
| Credit loss provision to net charge-offs | 248.0296% | 1,434 |
| Earnings coverage of net charge-offs (x) | -1.2365% | 6,919 |
| Efficiency ratio | 116.0846% | 671 |
| Assets per employee ($millions) | 3.8568% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,017 |
| Loan loss allowance to noncurrent loans | 57.9449% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.4632% | 2,828 |
| Noncurrent loans to loans | 3.4581% | 2,198 |
| Net loans and leases to total assets | 69.8032% | 3,304 |
| Net loans and leases to deposits | 83.2720% | 3,406 |
| Net loans and leases to core deposits | 90.7712% | 5,047 |
| Total domestic deposits to total assets | 83.8256% | 4,114 |
| Equity capital to assets | 15.9053% | 712 |
| Core capital (leverage) ratio | 15.4172% | 706 |
| Tier 1 risk-based capital ratio | 20.2344% | 1,419 |
| Total risk-based capital ratio | 21.5074% | 1,378 |
| Memoranda: | ||
| Average total assets | $71,472,000 | 5,957 |
| Average earning assets | $67,320,800 | 5,891 |
| Average equity | $13,600,400 | 4,359 |
| Average total loans | $44,704,200 | 5,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9473% | 6,772 |
| Cost of funding earning assets | 0.7291% | 7,780 |
| Net interest margin | 4.2183% | 1,979 |
| Noninterest income to average assets | 0.2161% | 6,687 |
| Noninterest expense to average assets | 5.2412% | 416 |
| Loan and lease loss provision to assets | 0.9359% | 2,055 |
| Net operating income to assets | -1.9992% | 7,317 |
| Return on assets (ROA) | -1.9992% | 7,319 |
| Pretax return on assets | -1.9973% | 7,183 |
| Return on Equity (ROE) | -10.0239% | 6,899 |
| Retained earnings to average equity (ytd only) | -10.0239% | 6,811 |
| Net charge-offs to loans | 0.2058% | 4,758 |
| Credit loss provision to net charge-offs | 757.8125% | 503 |
| Earnings coverage of net charge-offs (x) | -8.5939% | 6,897 |
| Efficiency ratio | 125.3924% | 523 |
| Assets per employee ($millions) | 3.6620% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0349% | 1,717 |
| Loan loss allowance to noncurrent loans | 63.9817% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 3,365 |
| Noncurrent loans to loans | 3.1805% | 2,378 |
| Net loans and leases to total assets | 61.1615% | 5,395 |
| Net loans and leases to deposits | 74.4649% | 5,300 |
| Net loans and leases to core deposits | 82.1285% | 6,175 |
| Total domestic deposits to total assets | 82.1346% | 4,620 |
| Equity capital to assets | 17.4662% | 566 |
| Core capital (leverage) ratio | 17.2540% | 517 |
| Tier 1 risk-based capital ratio | 19.3130% | 1,680 |
| Total risk-based capital ratio | 20.5797% | 1,646 |
| Memoranda: | ||
| Average total assets | $69,092,000 | 6,071 |
| Average earning assets | $64,922,250 | 6,009 |
| Average equity | $13,780,000 | 4,340 |
| Average total loans | $41,457,500 | 6,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 7,081 |
| Cost of funding earning assets | 0.7425% | 7,878 |
| Net interest margin | 4.1351% | 2,214 |
| Noninterest income to average assets | 0.2346% | 6,601 |
| Noninterest expense to average assets | 5.3273% | 420 |
| Loan and lease loss provision to assets | 1.0047% | 1,676 |
| Net operating income to assets | -2.2139% | 7,484 |
| Return on assets (ROA) | -2.2139% | 7,482 |
| Pretax return on assets | -2.2109% | 7,348 |
| Return on Equity (ROE) | -10.5930% | 7,081 |
| Retained earnings to average equity (ytd only) | -10.5930% | 6,934 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.2701% | 530 |
| Assets per employee ($millions) | 3.0145% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 1,560 |
| 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 | 62.7320% | 5,230 |
| Net loans and leases to deposits | 78.2759% | 4,820 |
| Net loans and leases to core deposits | 85.4063% | 5,975 |
| Total domestic deposits to total assets | 80.1422% | 5,420 |
| Equity capital to assets | 19.4525% | 417 |
| Core capital (leverage) ratio | 19.3310% | 396 |
| Tier 1 risk-based capital ratio | 20.9420% | 1,410 |
| Total risk-based capital ratio | 22.1947% | 1,379 |
| Memoranda: | ||
| Average total assets | $66,488,330 | 6,209 |
| Average earning assets | $62,489,670 | 6,128 |
| Average equity | $13,896,000 | 4,329 |
| Average total loans | $39,272,670 | 6,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 7,512 |
| Cost of funding earning assets | 0.7600% | 7,949 |
| Net interest margin | 3.9376% | 2,895 |
| Noninterest income to average assets | 0.2029% | 6,841 |
| Noninterest expense to average assets | 5.4037% | 382 |
| Loan and lease loss provision to assets | 1.0697% | 1,226 |
| Net operating income to assets | -2.5758% | 7,779 |
| Return on assets (ROA) | -2.5758% | 7,778 |
| Pretax return on assets | -2.5758% | 7,675 |
| Return on Equity (ROE) | -11.8861% | 7,466 |
| Retained earnings to average equity (ytd only) | -11.8861% | 7,258 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.6435% | 421 |
| Assets per employee ($millions) | 3.0284% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 1,409 |
| 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 | 53.6113% | 6,516 |
| Net loans and leases to deposits | 68.0654% | 6,182 |
| Net loans and leases to core deposits | 72.9490% | 6,866 |
| Total domestic deposits to total assets | 78.7644% | 5,804 |
| Equity capital to assets | 20.8724% | 370 |
| Core capital (leverage) ratio | 20.8792% | 359 |
| Tier 1 risk-based capital ratio | 22.8285% | 1,214 |
| Total risk-based capital ratio | 24.0772% | 1,186 |
| Memoranda: | ||
| Average total assets | $65,066,000 | 6,285 |
| Average earning assets | $61,052,500 | 6,213 |
| Average equity | $14,100,500 | 4,310 |
| Average total loans | $36,717,500 | 6,399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7693% | 6,535 |
| Cost of funding earning assets | 0.8517% | 8,105 |
| Net interest margin | 4.9176% | 614 |
| Noninterest income to average assets | 0.2276% | 6,805 |
| Noninterest expense to average assets | 5.7336% | 457 |
| Loan and lease loss provision to assets | 0.5899% | 2,465 |
| Net operating income to assets | -1.4930% | 7,461 |
| Return on assets (ROA) | -1.4257% | 7,380 |
| Pretax return on assets | -1.4239% | 7,222 |
| Return on Equity (ROE) | -5.5149% | 6,914 |
| Retained earnings to average equity (ytd only) | -5.5149% | 6,586 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6511% | 584 |
| Assets per employee ($millions) | 3.0242% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.3660% | 6,295 |
| Net loans and leases to deposits | 74.2631% | 5,818 |
| Net loans and leases to core deposits | 79.2672% | 6,670 |
| Total domestic deposits to total assets | 77.2470% | 5,931 |
| Equity capital to assets | 22.5090% | 332 |
| Core capital (leverage) ratio | 22.1977% | 331 |
| Tier 1 risk-based capital ratio | 25.1963% | 971 |
| Total risk-based capital ratio | 26.2167% | 973 |
| Memoranda: | ||
| Average total assets | $54,921,400 | 6,580 |
| Average earning assets | $51,427,400 | 6,531 |
| Average equity | $14,198,000 | 4,294 |
| Average total loans | $29,139,000 | 6,763 |