Home > First Pryority Bank > Performance and Condition Ratios
First Pryority Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8938% | 245 |
| Cost of funding earning assets | 2.6224% | 288 |
| Net interest margin | 4.2715% | 844 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4735% | 2,364 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 1.4787% | 1,057 |
| Return on assets (ROA) | 1.4787% | 1,032 |
| Pretax return on assets | 1.7984% | 889 |
| Return on Equity (ROE) | 16.0700% | 1,084 |
| Retained earnings to average equity (ytd only) | 16.0661% | 265 |
| Net charge-offs to loans | 0.1331% | 744 |
| Credit loss provision to net charge-offs | 317.3611% | 918 |
| Earnings coverage of net charge-offs (x) | 20.0903% | 1,876 |
| Efficiency ratio | 52.9593% | 3,755 |
| Assets per employee ($millions) | 7.4484% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 982 |
| Loan loss allowance to noncurrent loans | 77.1479% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6408% | 214 |
| Noncurrent loans to loans | 1.9822% | 289 |
| Net loans and leases to total assets | 81.5100% | 474 |
| Net loans and leases to deposits | 90.5096% | 1,227 |
| Net loans and leases to core deposits | 98.5741% | 1,515 |
| Total domestic deposits to total assets | 90.0600% | 740 |
| Equity capital to assets | 9.5811% | 2,285 |
| Core capital (leverage) ratio | 9.6868% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8781% | 2,279 |
| Memoranda: | ||
| Average total assets | $395,020,600 | 2,029 |
| Average earning assets | $376,989,600 | 1,986 |
| Average equity | $36,356,000 | 2,005 |
| Average total loans | $324,474,400 | 1,707 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7564% | 241 |
| Cost of funding earning assets | 2.4889% | 282 |
| Net interest margin | 4.2674% | 842 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.3880% | 2,548 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 1.5640% | 993 |
| Return on assets (ROA) | 1.5640% | 989 |
| Pretax return on assets | 1.8594% | 913 |
| Return on Equity (ROE) | 17.1800% | 1,048 |
| Retained earnings to average equity (ytd only) | 17.1824% | 380 |
| Net charge-offs to loans | -0.0188% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.9830% | 3,835 |
| Assets per employee ($millions) | 7.4254% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 679 |
| Loan loss allowance to noncurrent loans | 75.4625% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8132% | 168 |
| Noncurrent loans to loans | 2.2698% | 231 |
| Net loans and leases to total assets | 78.5200% | 818 |
| Net loans and leases to deposits | 87.0909% | 1,467 |
| Net loans and leases to core deposits | 95.6679% | 1,569 |
| Total domestic deposits to total assets | 90.1500% | 903 |
| Equity capital to assets | 9.4070% | 2,153 |
| Core capital (leverage) ratio | 9.5753% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4231% | 2,106 |
| Memoranda: | ||
| Average total assets | $389,498,000 | 2,045 |
| Average earning assets | $371,769,250 | 2,001 |
| Average equity | $35,454,000 | 2,029 |
| Average total loans | $319,274,500 | 1,719 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6407% | 228 |
| Cost of funding earning assets | 2.3419% | 252 |
| Net interest margin | 4.2989% | 806 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.2406% | 2,971 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 1.6550% | 862 |
| Return on assets (ROA) | 1.6550% | 864 |
| Pretax return on assets | 1.9791% | 771 |
| Return on Equity (ROE) | 18.4000% | 906 |
| Retained earnings to average equity (ytd only) | 18.4007% | 319 |
| Net charge-offs to loans | -0.0246% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.0470% | 4,064 |
| Assets per employee ($millions) | 7.9133% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 957 |
| Loan loss allowance to noncurrent loans | 342.0808% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 1,306 |
| Noncurrent loans to loans | 0.4639% | 1,552 |
| Net loans and leases to total assets | 82.5600% | 371 |
| Net loans and leases to deposits | 91.6033% | 1,054 |
| Net loans and leases to core deposits | 100.3483% | 1,216 |
| Total domestic deposits to total assets | 90.1200% | 894 |
| Equity capital to assets | 9.4326% | 2,212 |
| Core capital (leverage) ratio | 9.2367% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5951% | 2,437 |
| Memoranda: | ||
| Average total assets | $383,198,667 | 2,068 |
| Average earning assets | $366,375,667 | 2,026 |
| Average equity | $34,466,000 | 2,078 |
| Average total loans | $316,952,333 | 1,718 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3469% | 213 |
| Cost of funding earning assets | 2.1167% | 224 |
| Net interest margin | 4.2302% | 900 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.0152% | 3,594 |
| Loan and lease loss provision to assets | 0.5000% | 150 |
| Net operating income to assets | 1.2281% | 1,859 |
| Return on assets (ROA) | 1.2281% | 1,829 |
| Pretax return on assets | 1.6044% | 1,449 |
| Return on Equity (ROE) | 13.3600% | 1,909 |
| Retained earnings to average equity (ytd only) | 13.3578% | 1,036 |
| Net charge-offs to loans | -0.0512% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9589% | 4,028 |
| Assets per employee ($millions) | 8.0217% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,219 |
| Loan loss allowance to noncurrent loans | 313.4309% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 1,252 |
| Noncurrent loans to loans | 0.4822% | 1,506 |
| Net loans and leases to total assets | 79.7900% | 560 |
| Net loans and leases to deposits | 88.3684% | 1,176 |
| Net loans and leases to core deposits | 97.4856% | 1,206 |
| Total domestic deposits to total assets | 90.2900% | 1,050 |
| Equity capital to assets | 9.2372% | 2,330 |
| Core capital (leverage) ratio | 9.1616% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $382,696,500 | 2,092 |
| Average earning assets | $364,147,500 | 2,055 |
| Average equity | $35,185,500 | 2,075 |
| Average total loans | $312,789,000 | 1,748 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 224 |
| Cost of funding earning assets | 0.8482% | 324 |
| Net interest margin | 4.3509% | 379 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.4074% | 2,404 |
| Loan and lease loss provision to assets | 0.7100% | 71 |
| Net operating income to assets | 1.2744% | 1,517 |
| Return on assets (ROA) | 1.2744% | 1,471 |
| Pretax return on assets | 1.5149% | 1,408 |
| Return on Equity (ROE) | 13.7100% | 1,599 |
| Retained earnings to average equity (ytd only) | 13.7065% | 424 |
| Net charge-offs to loans | 0.8631% | 75 |
| Credit loss provision to net charge-offs | 100.6276% | 1,551 |
| Earnings coverage of net charge-offs (x) | 3.1623% | 2,476 |
| Efficiency ratio | 52.0036% | 3,978 |
| Assets per employee ($millions) | 8.2685% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,554 |
| Loan loss allowance to noncurrent loans | 255.6537% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 1,051 |
| Noncurrent loans to loans | 0.5414% | 1,363 |
| Net loans and leases to total assets | 81.3200% | 471 |
| Net loans and leases to deposits | 89.6752% | 1,074 |
| Net loans and leases to core deposits | 98.6213% | 1,073 |
| Total domestic deposits to total assets | 90.6800% | 1,067 |
| Equity capital to assets | 9.1505% | 2,263 |
| Core capital (leverage) ratio | 9.4822% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $340,158,000 | 2,262 |
| Average earning assets | $321,152,400 | 2,232 |
| Average equity | $31,627,400 | 2,266 |
| Average total loans | $276,900,400 | 1,831 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 231 |
| Cost of funding earning assets | 0.6032% | 430 |
| Net interest margin | 4.3314% | 319 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4597% | 2,128 |
| Loan and lease loss provision to assets | 0.6900% | 68 |
| Net operating income to assets | 1.3627% | 1,186 |
| Return on assets (ROA) | 1.3627% | 1,157 |
| Pretax return on assets | 1.5792% | 1,176 |
| Return on Equity (ROE) | 14.5900% | 1,263 |
| Retained earnings to average equity (ytd only) | 14.5899% | 397 |
| Net charge-offs to loans | 0.9393% | 55 |
| Credit loss provision to net charge-offs | 90.4030% | 1,375 |
| Earnings coverage of net charge-offs (x) | 2.9772% | 2,224 |
| Efficiency ratio | 52.0290% | 4,003 |
| Assets per employee ($millions) | 7.0225% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,510 |
| Loan loss allowance to noncurrent loans | 198.4203% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 852 |
| Noncurrent loans to loans | 0.7201% | 1,134 |
| Net loans and leases to total assets | 79.8400% | 542 |
| Net loans and leases to deposits | 88.0371% | 1,032 |
| Net loans and leases to core deposits | 94.7948% | 1,051 |
| Total domestic deposits to total assets | 90.6900% | 1,368 |
| Equity capital to assets | 9.1005% | 2,137 |
| Core capital (leverage) ratio | 9.4601% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $330,110,000 | 2,316 |
| Average earning assets | $310,992,750 | 2,296 |
| Average equity | $30,833,250 | 2,332 |
| Average total loans | $267,713,750 | 1,867 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 253 |
| Cost of funding earning assets | 0.4838% | 573 |
| Net interest margin | 4.2186% | 324 |
| Noninterest income to average assets | 0.5699% | 1,866 |
| Noninterest expense to average assets | 2.5445% | 1,795 |
| Loan and lease loss provision to assets | 0.5331% | 100 |
| Net operating income to assets | 1.2932% | 1,154 |
| Return on assets (ROA) | 1.2932% | 1,137 |
| Pretax return on assets | 1.4609% | 1,279 |
| Return on Equity (ROE) | 13.7139% | 1,185 |
| Retained earnings to average equity (ytd only) | 13.7139% | 393 |
| Net charge-offs to loans | 1.1135% | 55 |
| Credit loss provision to net charge-offs | 59.0062% | 1,459 |
| Earnings coverage of net charge-offs (x) | 2.2070% | 2,038 |
| Efficiency ratio | 56.0654% | 3,765 |
| Assets per employee ($millions) | 5.8379% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,846 |
| Loan loss allowance to noncurrent loans | 152.7005% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 672 |
| Noncurrent loans to loans | 0.9022% | 934 |
| Net loans and leases to total assets | 84.7455% | 150 |
| Net loans and leases to deposits | 94.3144% | 503 |
| Net loans and leases to core deposits | 103.6770% | 524 |
| Total domestic deposits to total assets | 89.8542% | 1,770 |
| Equity capital to assets | 9.9266% | 1,748 |
| Core capital (leverage) ratio | 9.6941% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,764,667 | 2,383 |
| Average earning assets | $301,761,333 | 2,371 |
| Average equity | $30,246,667 | 2,408 |
| Average total loans | $260,251,333 | 1,895 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 306 |
| Cost of funding earning assets | 0.4861% | 530 |
| Net interest margin | 4.0308% | 393 |
| Noninterest income to average assets | 0.8160% | 1,005 |
| Noninterest expense to average assets | 2.4851% | 1,916 |
| Loan and lease loss provision to assets | 0.4636% | 106 |
| Net operating income to assets | 1.2475% | 1,126 |
| Return on assets (ROA) | 1.2475% | 1,111 |
| Pretax return on assets | 1.6605% | 744 |
| Return on Equity (ROE) | 13.5785% | 914 |
| Retained earnings to average equity (ytd only) | 13.5785% | 411 |
| Net charge-offs to loans | 0.5209% | 135 |
| Credit loss provision to net charge-offs | 112.9518% | 957 |
| Earnings coverage of net charge-offs (x) | 5.1747% | 1,611 |
| Efficiency ratio | 53.9163% | 4,057 |
| Assets per employee ($millions) | 6.8165% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,033 |
| Loan loss allowance to noncurrent loans | 126.5277% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 446 |
| Noncurrent loans to loans | 1.3528% | 642 |
| Net loans and leases to total assets | 75.1114% | 574 |
| Net loans and leases to deposits | 82.8541% | 950 |
| Net loans and leases to core deposits | 90.3795% | 906 |
| Total domestic deposits to total assets | 90.6550% | 1,212 |
| Equity capital to assets | 9.0501% | 2,669 |
| Core capital (leverage) ratio | 9.3720% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,524,500 | 2,376 |
| Average earning assets | $304,456,500 | 2,366 |
| Average equity | $29,723,500 | 2,498 |
| Average total loans | $254,933,000 | 1,911 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 293 |
| Cost of funding earning assets | 0.6551% | 408 |
| Net interest margin | 4.2573% | 441 |
| Noninterest income to average assets | 0.8315% | 1,373 |
| Noninterest expense to average assets | 2.1275% | 3,315 |
| Loan and lease loss provision to assets | 0.4982% | 116 |
| Net operating income to assets | 1.6543% | 700 |
| Return on assets (ROA) | 1.6543% | 734 |
| Pretax return on assets | 2.2063% | 406 |
| Return on Equity (ROE) | 17.4102% | 530 |
| Retained earnings to average equity (ytd only) | 17.4102% | 108 |
| Net charge-offs to loans | 0.3792% | 222 |
| Credit loss provision to net charge-offs | 160.5145% | 1,452 |
| Earnings coverage of net charge-offs (x) | 8.7136% | 2,289 |
| Efficiency ratio | 44.0293% | 4,574 |
| Assets per employee ($millions) | 6.5217% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,047 |
| Loan loss allowance to noncurrent loans | 46.9197% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.9453% | 73 |
| Noncurrent loans to loans | 3.6211% | 139 |
| Net loans and leases to total assets | 79.9553% | 268 |
| Net loans and leases to deposits | 88.3594% | 632 |
| Net loans and leases to core deposits | 97.7600% | 626 |
| Total domestic deposits to total assets | 90.4888% | 724 |
| Equity capital to assets | 9.3339% | 3,284 |
| Core capital (leverage) ratio | 9.4803% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,041,800 | 2,494 |
| Average earning assets | $270,665,000 | 2,483 |
| Average equity | $27,369,000 | 2,692 |
| Average total loans | $235,774,200 | 2,015 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 259 |
| Cost of funding earning assets | 0.6939% | 394 |
| Net interest margin | 4.3986% | 376 |
| Noninterest income to average assets | 0.8545% | 1,369 |
| Noninterest expense to average assets | 2.0502% | 3,523 |
| Loan and lease loss provision to assets | 0.3098% | 251 |
| Net operating income to assets | 1.9399% | 516 |
| Return on assets (ROA) | 1.9399% | 539 |
| Pretax return on assets | 2.6213% | 278 |
| Return on Equity (ROE) | 20.3168% | 405 |
| Retained earnings to average equity (ytd only) | 20.3168% | 122 |
| Net charge-offs to loans | 0.0814% | 859 |
| Credit loss provision to net charge-offs | 464.5390% | 795 |
| Earnings coverage of net charge-offs (x) | 43.9362% | 1,305 |
| Efficiency ratio | 41.1569% | 4,687 |
| Assets per employee ($millions) | 6.4496% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 945 |
| Loan loss allowance to noncurrent loans | 251.6979% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 1,364 |
| Noncurrent loans to loans | 0.7113% | 1,563 |
| Net loans and leases to total assets | 77.7918% | 414 |
| Net loans and leases to deposits | 86.2163% | 817 |
| Net loans and leases to core deposits | 95.7771% | 757 |
| Total domestic deposits to total assets | 90.2286% | 670 |
| Equity capital to assets | 9.4197% | 3,446 |
| Core capital (leverage) ratio | 9.8639% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,792,000 | 2,551 |
| Average earning assets | $264,379,500 | 2,541 |
| Average equity | $26,906,500 | 2,764 |
| Average total loans | $231,063,000 | 2,083 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 223 |
| Cost of funding earning assets | 0.7292% | 398 |
| Net interest margin | 4.5471% | 328 |
| Noninterest income to average assets | 0.8694% | 1,360 |
| Noninterest expense to average assets | 2.0395% | 3,579 |
| Loan and lease loss provision to assets | 0.3495% | 214 |
| Net operating income to assets | 2.0482% | 454 |
| Return on assets (ROA) | 2.0482% | 476 |
| Pretax return on assets | 2.7800% | 236 |
| Return on Equity (ROE) | 21.3451% | 363 |
| Retained earnings to average equity (ytd only) | 21.3451% | 122 |
| Net charge-offs to loans | 0.0877% | 803 |
| Credit loss provision to net charge-offs | 480.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 42.9800% | 1,127 |
| Efficiency ratio | 39.4563% | 4,765 |
| Assets per employee ($millions) | 7.3640% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 1,014 |
| Loan loss allowance to noncurrent loans | 269.4049% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 1,545 |
| Noncurrent loans to loans | 0.6396% | 1,814 |
| Net loans and leases to total assets | 82.7084% | 186 |
| Net loans and leases to deposits | 91.7815% | 552 |
| Net loans and leases to core deposits | 104.4652% | 520 |
| Total domestic deposits to total assets | 90.1145% | 716 |
| Equity capital to assets | 9.4942% | 3,333 |
| Core capital (leverage) ratio | 9.7113% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,679,000 | 2,581 |
| Average earning assets | $259,724,667 | 2,558 |
| Average equity | $26,357,333 | 2,793 |
| Average total loans | $228,047,333 | 2,106 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 163 |
| Cost of funding earning assets | 0.7749% | 400 |
| Net interest margin | 4.8668% | 221 |
| Noninterest income to average assets | 0.8300% | 1,510 |
| Noninterest expense to average assets | 2.0282% | 3,634 |
| Loan and lease loss provision to assets | 0.3129% | 287 |
| Net operating income to assets | 2.2487% | 382 |
| Return on assets (ROA) | 2.2487% | 414 |
| Pretax return on assets | 3.0937% | 214 |
| Return on Equity (ROE) | 23.3028% | 323 |
| Retained earnings to average equity (ytd only) | 23.3028% | 172 |
| Net charge-offs to loans | -0.0054% | 3,421 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3183% | 4,823 |
| Assets per employee ($millions) | 6.9892% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 926 |
| Loan loss allowance to noncurrent loans | 226.7725% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 1,467 |
| Noncurrent loans to loans | 0.7768% | 1,687 |
| Net loans and leases to total assets | 81.7971% | 236 |
| Net loans and leases to deposits | 90.9514% | 647 |
| Net loans and leases to core deposits | 103.3390% | 593 |
| Total domestic deposits to total assets | 89.9350% | 851 |
| Equity capital to assets | 9.5250% | 3,173 |
| Core capital (leverage) ratio | 9.6082% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,420,000 | 2,605 |
| Average earning assets | $253,963,500 | 2,584 |
| Average equity | $25,902,500 | 2,800 |
| Average total loans | $221,220,500 | 2,144 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 393 |
| Cost of funding earning assets | 1.1618% | 326 |
| Net interest margin | 3.9588% | 1,061 |
| Noninterest income to average assets | 0.8001% | 1,527 |
| Noninterest expense to average assets | 2.1002% | 3,939 |
| Loan and lease loss provision to assets | 0.3669% | 906 |
| Net operating income to assets | 1.5745% | 674 |
| Return on assets (ROA) | 1.5745% | 735 |
| Pretax return on assets | 2.0595% | 404 |
| Return on Equity (ROE) | 15.7946% | 528 |
| Retained earnings to average equity (ytd only) | 15.7946% | 123 |
| Net charge-offs to loans | 0.4066% | 424 |
| Credit loss provision to net charge-offs | 115.6863% | 2,678 |
| Earnings coverage of net charge-offs (x) | 7.6510% | 2,676 |
| Efficiency ratio | 46.3962% | 4,698 |
| Assets per employee ($millions) | 6.7760% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 937 |
| Loan loss allowance to noncurrent loans | 222.5162% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 1,634 |
| Noncurrent loans to loans | 0.7894% | 1,759 |
| Net loans and leases to total assets | 80.1088% | 419 |
| Net loans and leases to deposits | 89.1871% | 991 |
| Net loans and leases to core deposits | 101.6611% | 832 |
| Total domestic deposits to total assets | 89.8211% | 630 |
| Equity capital to assets | 9.7789% | 3,337 |
| Core capital (leverage) ratio | 9.8928% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,219,600 | 2,648 |
| Average earning assets | $227,063,600 | 2,620 |
| Average equity | $24,046,200 | 2,874 |
| Average total loans | $188,162,200 | 2,342 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 288 |
| Cost of funding earning assets | 1.2518% | 304 |
| Net interest margin | 4.1297% | 848 |
| Noninterest income to average assets | 0.8686% | 1,310 |
| Noninterest expense to average assets | 2.1280% | 3,878 |
| Loan and lease loss provision to assets | 0.4302% | 775 |
| Net operating income to assets | 1.6835% | 596 |
| Return on assets (ROA) | 1.6835% | 661 |
| Pretax return on assets | 2.1903% | 345 |
| Return on Equity (ROE) | 16.7981% | 464 |
| Retained earnings to average equity (ytd only) | 16.7981% | 131 |
| Net charge-offs to loans | 0.2125% | 719 |
| Credit loss provision to net charge-offs | 262.9758% | 1,881 |
| Earnings coverage of net charge-offs (x) | 16.0138% | 2,074 |
| Efficiency ratio | 44.8128% | 4,763 |
| Assets per employee ($millions) | 6.3634% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 558 |
| Loan loss allowance to noncurrent loans | 254.9938% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,493 |
| Noncurrent loans to loans | 0.7568% | 1,914 |
| Net loans and leases to total assets | 80.5608% | 558 |
| Net loans and leases to deposits | 89.5211% | 1,318 |
| Net loans and leases to core deposits | 101.5853% | 1,057 |
| Total domestic deposits to total assets | 89.9908% | 427 |
| Equity capital to assets | 9.5887% | 3,618 |
| Core capital (leverage) ratio | 9.7183% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,458,750 | 2,669 |
| Average earning assets | $221,218,750 | 2,646 |
| Average equity | $23,597,250 | 2,896 |
| Average total loans | $181,332,000 | 2,402 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9516% | 154 |
| Cost of funding earning assets | 1.3209% | 330 |
| Net interest margin | 4.6307% | 394 |
| Noninterest income to average assets | 0.9490% | 1,072 |
| Noninterest expense to average assets | 2.1588% | 3,902 |
| Loan and lease loss provision to assets | 0.5569% | 593 |
| Net operating income to assets | 1.9879% | 345 |
| Return on assets (ROA) | 1.9879% | 380 |
| Pretax return on assets | 2.5826% | 185 |
| Return on Equity (ROE) | 19.5122% | 268 |
| Retained earnings to average equity (ytd only) | 19.5122% | 98 |
| Net charge-offs to loans | 0.3429% | 469 |
| Credit loss provision to net charge-offs | 216.4384% | 1,852 |
| Earnings coverage of net charge-offs (x) | 12.2021% | 2,064 |
| Efficiency ratio | 40.7451% | 4,897 |
| Assets per employee ($millions) | 6.2170% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9884% | 444 |
| Loan loss allowance to noncurrent loans | 283.8412% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 1,750 |
| Noncurrent loans to loans | 0.7005% | 2,125 |
| Net loans and leases to total assets | 77.4488% | 925 |
| Net loans and leases to deposits | 86.2032% | 1,743 |
| Net loans and leases to core deposits | 99.3858% | 1,302 |
| Total domestic deposits to total assets | 89.8444% | 445 |
| Equity capital to assets | 9.5333% | 3,635 |
| Core capital (leverage) ratio | 9.8081% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,978,000 | 2,705 |
| Average earning assets | $213,187,667 | 2,686 |
| Average equity | $23,124,000 | 2,922 |
| Average total loans | $170,336,000 | 2,467 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 328 |
| Cost of funding earning assets | 1.4470% | 327 |
| Net interest margin | 4.1108% | 1,115 |
| Noninterest income to average assets | 0.8957% | 1,076 |
| Noninterest expense to average assets | 2.1951% | 4,017 |
| Loan and lease loss provision to assets | 0.3568% | 866 |
| Net operating income to assets | 1.8477% | 373 |
| Return on assets (ROA) | 1.8477% | 415 |
| Pretax return on assets | 2.2007% | 295 |
| Return on Equity (ROE) | 17.4654% | 297 |
| Retained earnings to average equity (ytd only) | 17.4654% | 96 |
| Net charge-offs to loans | 0.4315% | 342 |
| Credit loss provision to net charge-offs | 113.7725% | 1,735 |
| Earnings coverage of net charge-offs (x) | 8.1557% | 1,883 |
| Efficiency ratio | 46.1873% | 4,824 |
| Assets per employee ($millions) | 5.2916% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2848% | 335 |
| Loan loss allowance to noncurrent loans | 193.6975% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 1,290 |
| Noncurrent loans to loans | 1.1796% | 1,396 |
| Net loans and leases to total assets | 72.6992% | 1,823 |
| Net loans and leases to deposits | 81.7483% | 2,486 |
| Net loans and leases to core deposits | 97.0084% | 1,717 |
| Total domestic deposits to total assets | 88.9305% | 694 |
| Equity capital to assets | 10.6141% | 3,219 |
| Core capital (leverage) ratio | 10.7875% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,019,500 | 2,767 |
| Average earning assets | $199,862,000 | 2,741 |
| Average equity | $22,536,000 | 2,957 |
| Average total loans | $154,795,000 | 2,593 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7647% | 350 |
| Cost of funding earning assets | 1.4800% | 422 |
| Net interest margin | 4.2846% | 1,126 |
| Noninterest income to average assets | 0.4215% | 3,167 |
| Noninterest expense to average assets | 2.3508% | 3,823 |
| Loan and lease loss provision to assets | 0.3727% | 399 |
| Net operating income to assets | 1.3245% | 1,599 |
| Return on assets (ROA) | 1.3245% | 1,679 |
| Pretax return on assets | 1.6904% | 1,212 |
| Return on Equity (ROE) | 12.0186% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.0186% | 239 |
| Net charge-offs to loans | 0.2104% | 973 |
| Credit loss provision to net charge-offs | 245.6747% | 1,106 |
| Earnings coverage of net charge-offs (x) | 13.5986% | 2,343 |
| Efficiency ratio | 53.2588% | 4,496 |
| Assets per employee ($millions) | 4.9781% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4734% | 222 |
| Loan loss allowance to noncurrent loans | 181.7055% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 1,138 |
| Noncurrent loans to loans | 1.3612% | 1,096 |
| Net loans and leases to total assets | 69.1169% | 2,530 |
| Net loans and leases to deposits | 77.6081% | 3,049 |
| Net loans and leases to core deposits | 92.1979% | 2,218 |
| Total domestic deposits to total assets | 89.0588% | 645 |
| Equity capital to assets | 10.5432% | 3,403 |
| Core capital (leverage) ratio | 10.6357% | 2,821 |
| Tier 1 risk-based capital ratio | 14.8601% | 2,842 |
| Total risk-based capital ratio | 16.1247% | 2,765 |
| Memoranda: | ||
| Average total assets | $190,488,800 | 2,914 |
| Average earning assets | $177,494,200 | 2,910 |
| Average equity | $20,992,400 | 3,040 |
| Average total loans | $137,370,800 | 2,754 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 368 |
| Cost of funding earning assets | 1.4559% | 473 |
| Net interest margin | 4.3167% | 1,131 |
| Noninterest income to average assets | 0.4362% | 3,094 |
| Noninterest expense to average assets | 2.3733% | 3,760 |
| Loan and lease loss provision to assets | 0.3264% | 426 |
| Net operating income to assets | 1.3804% | 1,528 |
| Return on assets (ROA) | 1.3804% | 1,600 |
| Pretax return on assets | 1.7549% | 1,195 |
| Return on Equity (ROE) | 12.3750% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.3750% | 343 |
| Net charge-offs to loans | 0.2366% | 753 |
| Credit loss provision to net charge-offs | 190.3766% | 1,376 |
| Earnings coverage of net charge-offs (x) | 12.1380% | 2,384 |
| Efficiency ratio | 53.2775% | 4,469 |
| Assets per employee ($millions) | 5.1682% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 249 |
| Loan loss allowance to noncurrent loans | 242.1274% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,843 |
| Noncurrent loans to loans | 0.9957% | 1,606 |
| Net loans and leases to total assets | 69.4852% | 2,554 |
| Net loans and leases to deposits | 78.1383% | 3,085 |
| Net loans and leases to core deposits | 90.6928% | 2,492 |
| Total domestic deposits to total assets | 88.9259% | 637 |
| Equity capital to assets | 10.6395% | 3,433 |
| Core capital (leverage) ratio | 10.8834% | 2,756 |
| Tier 1 risk-based capital ratio | 15.0842% | 2,810 |
| Total risk-based capital ratio | 16.3481% | 2,734 |
| Memoranda: | ||
| Average total assets | $185,840,500 | 2,987 |
| Average earning assets | $172,996,500 | 2,979 |
| Average equity | $20,729,500 | 3,086 |
| Average total loans | $134,669,500 | 2,807 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 387 |
| Cost of funding earning assets | 1.4137% | 511 |
| Net interest margin | 4.3029% | 1,139 |
| Noninterest income to average assets | 0.4319% | 3,052 |
| Noninterest expense to average assets | 2.3876% | 3,765 |
| Loan and lease loss provision to assets | 0.2326% | 693 |
| Net operating income to assets | 1.4297% | 1,343 |
| Return on assets (ROA) | 1.4297% | 1,392 |
| Pretax return on assets | 1.8195% | 992 |
| Return on Equity (ROE) | 12.6007% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.6007% | 340 |
| Net charge-offs to loans | 0.1291% | 1,168 |
| Credit loss provision to net charge-offs | 247.0588% | 1,035 |
| Earnings coverage of net charge-offs (x) | 21.8000% | 1,721 |
| Efficiency ratio | 53.7790% | 4,495 |
| Assets per employee ($millions) | 4.9976% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4001% | 255 |
| Loan loss allowance to noncurrent loans | 339.2749% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 1,887 |
| Noncurrent loans to loans | 0.7074% | 2,210 |
| Net loans and leases to total assets | 72.1407% | 2,199 |
| Net loans and leases to deposits | 81.5012% | 2,786 |
| Net loans and leases to core deposits | 94.5395% | 2,201 |
| Total domestic deposits to total assets | 88.5150% | 873 |
| Equity capital to assets | 10.9590% | 3,107 |
| Core capital (leverage) ratio | 11.2551% | 2,374 |
| Tier 1 risk-based capital ratio | 15.3647% | 2,672 |
| Total risk-based capital ratio | 16.6294% | 2,601 |
| Memoranda: | ||
| Average total assets | $180,600,330 | 3,048 |
| Average earning assets | $168,213,670 | 3,047 |
| Average equity | $20,491,000 | 3,102 |
| Average total loans | $131,721,000 | 2,845 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 531 |
| Cost of funding earning assets | 1.3403% | 576 |
| Net interest margin | 4.1500% | 1,427 |
| Noninterest income to average assets | 0.6138% | 1,982 |
| Noninterest expense to average assets | 2.4257% | 3,698 |
| Loan and lease loss provision to assets | 0.2387% | 625 |
| Net operating income to assets | 1.4232% | 1,315 |
| Return on assets (ROA) | 1.4232% | 1,343 |
| Pretax return on assets | 1.8210% | 941 |
| Return on Equity (ROE) | 12.3165% | 1,437 |
| Retained earnings to average equity (ytd only) | 12.3165% | 561 |
| Net charge-offs to loans | 0.0251% | 1,948 |
| Credit loss provision to net charge-offs | 1,312.5000% | 294 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 613 |
| Efficiency ratio | 54.0801% | 4,527 |
| Assets per employee ($millions) | 4.8852% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6294% | 209 |
| Loan loss allowance to noncurrent loans | 234.4561% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 1,786 |
| Noncurrent loans to loans | 1.1215% | 1,489 |
| Net loans and leases to total assets | 68.4494% | 2,698 |
| Net loans and leases to deposits | 77.5858% | 3,108 |
| Net loans and leases to core deposits | 88.5665% | 2,635 |
| Total domestic deposits to total assets | 88.2241% | 1,225 |
| Equity capital to assets | 11.1463% | 2,707 |
| Core capital (leverage) ratio | 11.5690% | 2,089 |
| Tier 1 risk-based capital ratio | 16.4308% | 2,293 |
| Total risk-based capital ratio | 17.6990% | 2,233 |
| Memoranda: | ||
| Average total assets | $175,946,500 | 3,131 |
| Average earning assets | $164,145,000 | 3,127 |
| Average equity | $20,330,500 | 3,124 |
| Average total loans | $127,396,500 | 2,932 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 763 |
| Cost of funding earning assets | 1.0713% | 547 |
| Net interest margin | 4.0817% | 1,747 |
| Noninterest income to average assets | 0.6757% | 1,942 |
| Noninterest expense to average assets | 2.6206% | 3,267 |
| Loan and lease loss provision to assets | 0.2539% | 672 |
| Net operating income to assets | 1.2207% | 2,085 |
| Return on assets (ROA) | 1.2207% | 2,079 |
| Pretax return on assets | 1.5965% | 1,481 |
| Return on Equity (ROE) | 10.0065% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.4765% | 1,053 |
| Net charge-offs to loans | 0.3372% | 572 |
| Credit loss provision to net charge-offs | 103.5533% | 2,451 |
| Earnings coverage of net charge-offs (x) | 7.5482% | 2,983 |
| Efficiency ratio | 58.6140% | 4,061 |
| Assets per employee ($millions) | 5.0336% | 2,452 |
| Cash dividends to net income (ytd only)* | 15.2905% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5398% | 222 |
| Loan loss allowance to noncurrent loans | 232.5448% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 1,713 |
| Noncurrent loans to loans | 1.0922% | 1,490 |
| Net loans and leases to total assets | 72.7378% | 2,141 |
| Net loans and leases to deposits | 83.1230% | 2,609 |
| Net loans and leases to core deposits | 93.5014% | 2,272 |
| Total domestic deposits to total assets | 87.5063% | 1,531 |
| Equity capital to assets | 11.9865% | 1,904 |
| Core capital (leverage) ratio | 12.3092% | 1,555 |
| Tier 1 risk-based capital ratio | 16.5002% | 2,237 |
| Total risk-based capital ratio | 17.7662% | 2,178 |
| Memoranda: | ||
| Average total assets | $160,724,000 | 3,267 |
| Average earning assets | $149,447,600 | 3,249 |
| Average equity | $19,607,200 | 3,122 |
| Average total loans | $116,836,200 | 3,028 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 829 |
| Cost of funding earning assets | 1.0278% | 526 |
| Net interest margin | 4.0268% | 1,866 |
| Noninterest income to average assets | 0.6147% | 2,239 |
| Noninterest expense to average assets | 2.6376% | 3,169 |
| Loan and lease loss provision to assets | 0.2108% | 800 |
| Net operating income to assets | 1.1468% | 2,447 |
| Return on assets (ROA) | 1.1468% | 2,459 |
| Pretax return on assets | 1.5094% | 1,870 |
| Return on Equity (ROE) | 9.3563% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.2924% | 1,978 |
| Net charge-offs to loans | 0.2524% | 671 |
| Credit loss provision to net charge-offs | 115.7407% | 2,044 |
| Earnings coverage of net charge-offs (x) | 9.4445% | 2,641 |
| Efficiency ratio | 60.5263% | 3,736 |
| Assets per employee ($millions) | 4.7645% | 2,769 |
| Cash dividends to net income (ytd only)* | 22.0588% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7244% | 184 |
| Loan loss allowance to noncurrent loans | 327.3821% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 2,388 |
| Noncurrent loans to loans | 0.8322% | 2,045 |
| Net loans and leases to total assets | 69.8879% | 2,666 |
| Net loans and leases to deposits | 79.9400% | 3,052 |
| Net loans and leases to core deposits | 90.0732% | 2,659 |
| Total domestic deposits to total assets | 87.4254% | 1,534 |
| Equity capital to assets | 11.9407% | 1,949 |
| Core capital (leverage) ratio | 12.1863% | 1,673 |
| Tier 1 risk-based capital ratio | 14.7664% | 2,985 |
| Total risk-based capital ratio | 16.0308% | 2,902 |
| Memoranda: | ||
| Average total assets | $158,119,500 | 3,333 |
| Average earning assets | $146,979,250 | 3,316 |
| Average equity | $19,380,500 | 3,166 |
| Average total loans | $114,113,000 | 3,095 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 590 |
| Cost of funding earning assets | 0.9909% | 486 |
| Net interest margin | 4.1745% | 1,339 |
| Noninterest income to average assets | 0.5231% | 2,729 |
| Noninterest expense to average assets | 2.6810% | 3,078 |
| Loan and lease loss provision to assets | 0.2061% | 819 |
| Net operating income to assets | 1.1569% | 2,363 |
| Return on assets (ROA) | 1.1569% | 2,363 |
| Pretax return on assets | 1.5112% | 1,771 |
| Return on Equity (ROE) | 9.3525% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.2281% | 2,448 |
| Net charge-offs to loans | 0.4491% | 343 |
| Credit loss provision to net charge-offs | 63.4921% | 2,405 |
| Earnings coverage of net charge-offs (x) | 5.2897% | 2,722 |
| Efficiency ratio | 60.9549% | 3,773 |
| Assets per employee ($millions) | 4.4734% | 3,165 |
| Cash dividends to net income (ytd only)* | 33.4076% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8288% | 176 |
| Loan loss allowance to noncurrent loans | 548.6014% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 3,326 |
| Noncurrent loans to loans | 0.5156% | 2,872 |
| Net loans and leases to total assets | 66.9357% | 3,022 |
| Net loans and leases to deposits | 76.4572% | 3,291 |
| Net loans and leases to core deposits | 85.8513% | 2,936 |
| Total domestic deposits to total assets | 87.5466% | 1,618 |
| Equity capital to assets | 12.0777% | 1,805 |
| Core capital (leverage) ratio | 11.9706% | 1,731 |
| Tier 1 risk-based capital ratio | 15.4175% | 2,680 |
| Total risk-based capital ratio | 16.6827% | 2,599 |
| Memoranda: | ||
| Average total assets | $155,240,330 | 3,377 |
| Average earning assets | $144,114,000 | 3,369 |
| Average equity | $19,203,330 | 3,201 |
| Average total loans | $112,215,000 | 3,138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 500 |
| Cost of funding earning assets | 0.9362% | 496 |
| Net interest margin | 4.2512% | 1,043 |
| Noninterest income to average assets | 0.5960% | 2,275 |
| Noninterest expense to average assets | 2.7386% | 2,912 |
| Loan and lease loss provision to assets | 0.2232% | 704 |
| Net operating income to assets | 1.1973% | 2,014 |
| Return on assets (ROA) | 1.1973% | 2,028 |
| Pretax return on assets | 1.5807% | 1,450 |
| Return on Equity (ROE) | 9.5597% | 2,652 |
| Retained earnings to average equity (ytd only) | 9.5597% | 1,295 |
| Net charge-offs to loans | 0.6911% | 216 |
| Credit loss provision to net charge-offs | 43.5897% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.5231% | 2,379 |
| Efficiency ratio | 60.2890% | 4,025 |
| Assets per employee ($millions) | 4.5591% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7660% | 197 |
| Loan loss allowance to noncurrent loans | 1,273.4694% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,310 |
| Noncurrent loans to loans | 0.2172% | 3,998 |
| Net loans and leases to total assets | 68.7348% | 2,665 |
| Net loans and leases to deposits | 78.5766% | 2,957 |
| Net loans and leases to core deposits | 88.3182% | 2,604 |
| Total domestic deposits to total assets | 87.4749% | 1,911 |
| Equity capital to assets | 12.1002% | 1,714 |
| Core capital (leverage) ratio | 12.1281% | 1,573 |
| Tier 1 risk-based capital ratio | 15.2573% | 2,763 |
| Total risk-based capital ratio | 16.5217% | 2,691 |
| Memoranda: | ||
| Average total assets | $152,340,000 | 3,437 |
| Average earning assets | $141,420,000 | 3,435 |
| Average equity | $19,080,000 | 3,239 |
| Average total loans | $112,856,500 | 3,149 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1527% | 486 |
| Cost of funding earning assets | 0.8057% | 595 |
| Net interest margin | 4.3470% | 864 |
| Noninterest income to average assets | 0.0007% | 5,615 |
| Noninterest expense to average assets | 2.6782% | 3,201 |
| Loan and lease loss provision to assets | 0.3340% | 496 |
| Net operating income to assets | 0.6687% | 3,733 |
| Return on assets (ROA) | 0.6687% | 3,782 |
| Pretax return on assets | 0.9900% | 3,616 |
| Return on Equity (ROE) | 5.1774% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.1774% | 2,017 |
| Net charge-offs to loans | 0.0483% | 2,822 |
| Credit loss provision to net charge-offs | 933.3333% | 378 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,322 |
| Efficiency ratio | 66.9180% | 3,093 |
| Assets per employee ($millions) | 4.2680% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8606% | 166 |
| Loan loss allowance to noncurrent loans | 53,833.3333% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,177 |
| Noncurrent loans to loans | 0.0053% | 5,039 |
| Net loans and leases to total assets | 75.5859% | 1,669 |
| Net loans and leases to deposits | 87.3455% | 2,095 |
| Net loans and leases to core deposits | 98.2031% | 1,849 |
| Total domestic deposits to total assets | 86.5367% | 2,212 |
| Equity capital to assets | 12.9913% | 1,270 |
| Core capital (leverage) ratio | 12.7971% | 1,221 |
| Tier 1 risk-based capital ratio | 15.3150% | 2,694 |
| Total risk-based capital ratio | 16.5815% | 2,629 |
| Memoranda: | ||
| Average total assets | $142,523,400 | 3,576 |
| Average earning assets | $131,194,400 | 3,574 |
| Average equity | $18,406,800 | 3,315 |
| Average total loans | $105,683,600 | 3,253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 652 |
| Cost of funding earning assets | 0.7821% | 643 |
| Net interest margin | 4.1865% | 1,181 |
| Noninterest income to average assets | -0.1043% | 5,713 |
| Noninterest expense to average assets | 2.4030% | 4,012 |
| Loan and lease loss provision to assets | 0.3064% | 508 |
| Net operating income to assets | 0.7499% | 3,739 |
| Return on assets (ROA) | 0.7499% | 3,798 |
| Pretax return on assets | 1.0347% | 3,551 |
| Return on Equity (ROE) | 5.9362% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.9362% | 2,291 |
| Net charge-offs to loans | 0.0077% | 3,455 |
| Credit loss provision to net charge-offs | 5,433.3333% | 86 |
| Earnings coverage of net charge-offs (x) | 237.8275% | 369 |
| Efficiency ratio | 64.1817% | 3,510 |
| Assets per employee ($millions) | 3.3542% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7877% | 189 |
| Loan loss allowance to noncurrent loans | 31,250.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,988 |
| Noncurrent loans to loans | 0.0089% | 5,106 |
| Net loans and leases to total assets | 75.5569% | 1,674 |
| Net loans and leases to deposits | 87.2184% | 2,154 |
| Net loans and leases to core deposits | 97.9322% | 1,891 |
| Total domestic deposits to total assets | 86.6296% | 2,030 |
| Equity capital to assets | 12.7055% | 1,540 |
| Core capital (leverage) ratio | 12.6791% | 1,338 |
| Tier 1 risk-based capital ratio | 14.8924% | 2,962 |
| Total risk-based capital ratio | 16.1578% | 2,884 |
| Memoranda: | ||
| Average total assets | $141,876,000 | 3,620 |
| Average earning assets | $130,416,750 | 3,621 |
| Average equity | $17,923,500 | 3,404 |
| Average total loans | $103,875,750 | 3,313 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 642 |
| Cost of funding earning assets | 0.7630% | 641 |
| Net interest margin | 4.1727% | 1,139 |
| Noninterest income to average assets | -0.0893% | 5,756 |
| Noninterest expense to average assets | 2.4764% | 3,828 |
| Loan and lease loss provision to assets | 0.2778% | 572 |
| Net operating income to assets | 0.7116% | 3,790 |
| Return on assets (ROA) | 0.7116% | 3,860 |
| Pretax return on assets | 0.9781% | 3,641 |
| Return on Equity (ROE) | 5.6437% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6437% | 2,328 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3502% | 3,292 |
| Assets per employee ($millions) | 4.3649% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8789% | 180 |
| Loan loss allowance to noncurrent loans | 23,084.6154% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 3,393 |
| Noncurrent loans to loans | 0.0125% | 5,126 |
| Net loans and leases to total assets | 70.2848% | 2,484 |
| Net loans and leases to deposits | 81.2297% | 2,775 |
| Net loans and leases to core deposits | 89.5627% | 2,567 |
| Total domestic deposits to total assets | 86.5261% | 2,158 |
| Equity capital to assets | 12.5166% | 1,609 |
| Core capital (leverage) ratio | 12.4962% | 1,371 |
| Tier 1 risk-based capital ratio | 15.4388% | 2,732 |
| Total risk-based capital ratio | 16.7045% | 2,661 |
| Memoranda: | ||
| Average total assets | $141,091,670 | 3,647 |
| Average earning assets | $129,220,000 | 3,655 |
| Average equity | $17,789,670 | 3,433 |
| Average total loans | $101,134,330 | 3,378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 520 |
| Cost of funding earning assets | 0.7409% | 694 |
| Net interest margin | 4.2673% | 853 |
| Noninterest income to average assets | 0.0831% | 5,637 |
| Noninterest expense to average assets | 2.5470% | 3,667 |
| Loan and lease loss provision to assets | 0.3037% | 440 |
| Net operating income to assets | 0.8194% | 3,128 |
| Return on assets (ROA) | 0.8194% | 3,185 |
| Pretax return on assets | 1.1431% | 2,804 |
| Return on Equity (ROE) | 6.4743% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.4743% | 2,098 |
| Net charge-offs to loans | 0.0040% | 2,834 |
| Credit loss provision to net charge-offs | 10,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 111 |
| Efficiency ratio | 63.7733% | 3,873 |
| Assets per employee ($millions) | 4.6485% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 214 |
| Loan loss allowance to noncurrent loans | 17,117.6471% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,685 |
| Noncurrent loans to loans | 0.0166% | 5,168 |
| Net loans and leases to total assets | 71.4978% | 2,140 |
| Net loans and leases to deposits | 82.8470% | 2,414 |
| Net loans and leases to core deposits | 91.2016% | 2,238 |
| Total domestic deposits to total assets | 86.3011% | 2,536 |
| Equity capital to assets | 12.7732% | 1,366 |
| Core capital (leverage) ratio | 12.7584% | 1,234 |
| Tier 1 risk-based capital ratio | 15.4094% | 2,791 |
| Total risk-based capital ratio | 16.6750% | 2,719 |
| Memoranda: | ||
| Average total assets | $139,617,000 | 3,700 |
| Average earning assets | $127,951,000 | 3,702 |
| Average equity | $17,670,000 | 3,459 |
| Average total loans | $99,581,500 | 3,426 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0974% | 500 |
| Cost of funding earning assets | 0.6582% | 1,015 |
| Net interest margin | 4.4392% | 712 |
| Noninterest income to average assets | 0.0443% | 5,785 |
| Noninterest expense to average assets | 2.5715% | 3,769 |
| Loan and lease loss provision to assets | 0.4200% | 357 |
| Net operating income to assets | 0.7381% | 3,599 |
| Return on assets (ROA) | 0.7381% | 3,711 |
| Pretax return on assets | 1.0798% | 3,178 |
| Return on Equity (ROE) | 5.8508% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.8508% | 1,788 |
| Net charge-offs to loans | 0.1529% | 1,735 |
| Credit loss provision to net charge-offs | 409.3525% | 779 |
| Earnings coverage of net charge-offs (x) | 14.6187% | 2,274 |
| Efficiency ratio | 63.1617% | 4,079 |
| Assets per employee ($millions) | 3.3280% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9054% | 193 |
| Loan loss allowance to noncurrent loans | 14,025.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 2,541 |
| Noncurrent loans to loans | 0.0207% | 5,190 |
| Net loans and leases to total assets | 67.0635% | 2,919 |
| Net loans and leases to deposits | 77.5679% | 3,155 |
| Net loans and leases to core deposits | 84.9579% | 2,935 |
| Total domestic deposits to total assets | 86.4578% | 2,393 |
| Equity capital to assets | 12.5392% | 1,502 |
| Core capital (leverage) ratio | 12.5147% | 1,324 |
| Tier 1 risk-based capital ratio | 15.9708% | 2,559 |
| Total risk-based capital ratio | 17.2365% | 2,486 |
| Memoranda: | ||
| Average total assets | $135,486,800 | 3,743 |
| Average earning assets | $122,904,600 | 3,774 |
| Average equity | $17,091,600 | 3,541 |
| Average total loans | $90,884,400 | 3,561 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 513 |
| Cost of funding earning assets | 0.6502% | 1,056 |
| Net interest margin | 4.4352% | 726 |
| Noninterest income to average assets | 0.0585% | 5,813 |
| Noninterest expense to average assets | 2.5096% | 3,959 |
| Loan and lease loss provision to assets | 0.3581% | 442 |
| Net operating income to assets | 0.8550% | 3,127 |
| Return on assets (ROA) | 0.8550% | 3,254 |
| Pretax return on assets | 1.2032% | 2,823 |
| Return on Equity (ROE) | 6.7675% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.7675% | 1,747 |
| Net charge-offs to loans | 0.0358% | 2,912 |
| Credit loss provision to net charge-offs | 1,504.1667% | 304 |
| Earnings coverage of net charge-offs (x) | 65.5816% | 899 |
| Efficiency ratio | 61.6472% | 4,288 |
| Assets per employee ($millions) | 4.1564% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7996% | 238 |
| Loan loss allowance to noncurrent loans | 11,791.3043% | 66 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 1,891 |
| Noncurrent loans to loans | 0.0237% | 5,288 |
| Net loans and leases to total assets | 66.6303% | 3,016 |
| Net loans and leases to deposits | 76.9180% | 3,295 |
| Net loans and leases to core deposits | 82.9706% | 3,213 |
| Total domestic deposits to total assets | 86.6251% | 2,071 |
| Equity capital to assets | 12.3050% | 1,891 |
| Core capital (leverage) ratio | 12.5436% | 1,380 |
| Tier 1 risk-based capital ratio | 15.7187% | 2,743 |
| Total risk-based capital ratio | 16.9833% | 2,674 |
| Memoranda: | ||
| Average total assets | $134,414,000 | 3,785 |
| Average earning assets | $121,600,750 | 3,820 |
| Average equity | $16,982,750 | 3,581 |
| Average total loans | $89,469,250 | 3,607 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1398% | 465 |
| Cost of funding earning assets | 0.6511% | 1,052 |
| Net interest margin | 4.4887% | 632 |
| Noninterest income to average assets | 0.2119% | 5,223 |
| Noninterest expense to average assets | 2.5599% | 3,856 |
| Loan and lease loss provision to assets | 0.3406% | 481 |
| Net operating income to assets | 0.9628% | 2,562 |
| Return on assets (ROA) | 0.9628% | 2,708 |
| Pretax return on assets | 1.3504% | 2,203 |
| Return on Equity (ROE) | 7.5502% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.5502% | 1,359 |
| Net charge-offs to loans | 0.1218% | 1,620 |
| Credit loss provision to net charge-offs | 424.5283% | 749 |
| Earnings coverage of net charge-offs (x) | 21.0755% | 1,698 |
| Efficiency ratio | 60.2208% | 4,615 |
| Assets per employee ($millions) | 4.5538% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 262 |
| Loan loss allowance to noncurrent loans | 3,489.0411% | 200 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 1,523 |
| Noncurrent loans to loans | 0.0791% | 5,134 |
| Net loans and leases to total assets | 65.6839% | 3,121 |
| Net loans and leases to deposits | 75.9833% | 3,384 |
| Net loans and leases to core deposits | 81.5193% | 3,318 |
| Total domestic deposits to total assets | 86.4451% | 2,198 |
| Equity capital to assets | 12.5630% | 1,731 |
| Core capital (leverage) ratio | 12.6437% | 1,285 |
| Tier 1 risk-based capital ratio | 16.1244% | 2,580 |
| Total risk-based capital ratio | 17.3880% | 2,522 |
| Memoranda: | ||
| Average total assets | $132,113,000 | 3,844 |
| Average earning assets | $118,876,000 | 3,894 |
| Average equity | $16,847,330 | 3,608 |
| Average total loans | $87,001,670 | 3,668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 704 |
| Cost of funding earning assets | 0.6517% | 1,045 |
| Net interest margin | 4.2395% | 1,016 |
| Noninterest income to average assets | 0.4312% | 3,606 |
| Noninterest expense to average assets | 2.5504% | 3,907 |
| Loan and lease loss provision to assets | 0.2772% | 597 |
| Net operating income to assets | 0.9887% | 2,329 |
| Return on assets (ROA) | 0.9887% | 2,442 |
| Pretax return on assets | 1.4107% | 1,873 |
| Return on Equity (ROE) | 7.6935% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.6935% | 1,592 |
| Net charge-offs to loans | -0.0095% | 4,508 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1744% | 4,720 |
| Assets per employee ($millions) | 4.7416% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7686% | 285 |
| Loan loss allowance to noncurrent loans | 3,246.0526% | 212 |
| Noncurrent assets plus other real estate owned to assets | 1.4718% | 1,398 |
| Noncurrent loans to loans | 0.0853% | 5,135 |
| Net loans and leases to total assets | 65.2594% | 3,070 |
| Net loans and leases to deposits | 75.4930% | 3,279 |
| Net loans and leases to core deposits | 81.4831% | 3,180 |
| Total domestic deposits to total assets | 86.4444% | 2,473 |
| Equity capital to assets | 12.6932% | 1,564 |
| Core capital (leverage) ratio | 13.7180% | 899 |
| Tier 1 risk-based capital ratio | 16.4629% | 2,490 |
| Total risk-based capital ratio | 17.7264% | 2,440 |
| Memoranda: | ||
| Average total assets | $129,862,000 | 3,915 |
| Average earning assets | $116,617,500 | 3,965 |
| Average equity | $16,689,500 | 3,633 |
| Average total loans | $84,362,000 | 3,743 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,722 |
| Cost of funding earning assets | 0.5921% | 1,420 |
| Net interest margin | 3.5625% | 3,275 |
| Noninterest income to average assets | 0.1892% | 5,461 |
| Noninterest expense to average assets | 2.5934% | 3,948 |
| Loan and lease loss provision to assets | 0.5496% | 203 |
| Net operating income to assets | 0.6493% | 4,038 |
| Return on assets (ROA) | 0.6493% | 4,136 |
| Pretax return on assets | 0.2348% | 5,640 |
| Return on Equity (ROE) | 5.1613% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.1613% | 2,305 |
| Net charge-offs to loans | 0.1712% | 1,663 |
| Credit loss provision to net charge-offs | 593.2203% | 569 |
| Earnings coverage of net charge-offs (x) | 8.4661% | 2,947 |
| Efficiency ratio | 76.7782% | 2,155 |
| Assets per employee ($millions) | 4.0955% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9831% | 220 |
| Loan loss allowance to noncurrent loans | 1,552.2876% | 407 |
| Noncurrent assets plus other real estate owned to assets | 1.5997% | 1,238 |
| Noncurrent loans to loans | 0.1922% | 4,717 |
| Net loans and leases to total assets | 60.8388% | 3,722 |
| Net loans and leases to deposits | 70.6100% | 3,851 |
| Net loans and leases to core deposits | 75.8201% | 3,772 |
| Total domestic deposits to total assets | 86.1618% | 2,564 |
| Equity capital to assets | 13.0175% | 1,341 |
| Core capital (leverage) ratio | 13.1079% | 1,106 |
| Tier 1 risk-based capital ratio | 17.7186% | 2,049 |
| Total risk-based capital ratio | 18.9837% | 1,996 |
| Memoranda: | ||
| Average total assets | $127,359,400 | 3,944 |
| Average earning assets | $113,992,400 | 4,001 |
| Average equity | $16,023,000 | 3,675 |
| Average total loans | $68,943,800 | 4,121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,182 |
| Cost of funding earning assets | 0.5846% | 1,505 |
| Net interest margin | 3.4527% | 3,740 |
| Noninterest income to average assets | 0.3117% | 4,714 |
| Noninterest expense to average assets | 2.5419% | 4,075 |
| Loan and lease loss provision to assets | 0.4080% | 290 |
| Net operating income to assets | 0.4404% | 5,008 |
| Return on assets (ROA) | 0.4404% | 5,097 |
| Pretax return on assets | 0.4508% | 5,345 |
| Return on Equity (ROE) | 3.5310% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.5310% | 3,953 |
| Net charge-offs to loans | 0.2253% | 1,160 |
| Credit loss provision to net charge-offs | 348.2143% | 847 |
| Earnings coverage of net charge-offs (x) | 7.3303% | 2,924 |
| Efficiency ratio | 74.7462% | 2,438 |
| Assets per employee ($millions) | 4.3013% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8042% | 297 |
| Loan loss allowance to noncurrent loans | 647.1875% | 817 |
| Noncurrent assets plus other real estate owned to assets | 2.0758% | 962 |
| Noncurrent loans to loans | 0.4333% | 4,053 |
| Net loans and leases to total assets | 59.6018% | 3,929 |
| Net loans and leases to deposits | 69.4438% | 4,048 |
| Net loans and leases to core deposits | 74.4827% | 3,966 |
| Total domestic deposits to total assets | 85.8273% | 2,622 |
| Equity capital to assets | 13.3864% | 1,277 |
| Core capital (leverage) ratio | 13.1777% | 1,145 |
| Tier 1 risk-based capital ratio | 18.3743% | 1,932 |
| Total risk-based capital ratio | 19.6383% | 1,889 |
| Memoranda: | ||
| Average total assets | $127,459,250 | 3,985 |
| Average earning assets | $114,033,000 | 4,041 |
| Average equity | $15,897,000 | 3,727 |
| Average total loans | $66,275,750 | 4,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 5,076 |
| Cost of funding earning assets | 0.5887% | 1,493 |
| Net interest margin | 2.8765% | 5,485 |
| Noninterest income to average assets | 0.3698% | 4,299 |
| Noninterest expense to average assets | 2.4438% | 4,416 |
| Loan and lease loss provision to assets | 0.1387% | 1,576 |
| Net operating income to assets | 0.3467% | 5,306 |
| Return on assets (ROA) | 0.3467% | 5,413 |
| Pretax return on assets | 0.3621% | 5,551 |
| Return on Equity (ROE) | 2.8441% | 5,454 |
| Retained earnings to average equity (ytd only) | 2.8441% | 4,230 |
| Net charge-offs to loans | 0.1976% | 1,266 |
| Credit loss provision to net charge-offs | 142.8571% | 1,574 |
| Earnings coverage of net charge-offs (x) | 5.1587% | 2,952 |
| Efficiency ratio | 82.9932% | 1,372 |
| Assets per employee ($millions) | 4.6926% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7829% | 341 |
| Loan loss allowance to noncurrent loans | 457.2864% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 2.0108% | 1,094 |
| Noncurrent loans to loans | 0.6086% | 3,650 |
| Net loans and leases to total assets | 48.3884% | 5,066 |
| Net loans and leases to deposits | 55.4994% | 5,159 |
| Net loans and leases to core deposits | 59.1037% | 5,123 |
| Total domestic deposits to total assets | 87.1873% | 2,062 |
| Equity capital to assets | 12.1209% | 1,937 |
| Core capital (leverage) ratio | 11.4844% | 2,005 |
| Tier 1 risk-based capital ratio | 18.7524% | 1,856 |
| Total risk-based capital ratio | 20.0134% | 1,820 |
| Memoranda: | ||
| Average total assets | $129,800,330 | 3,966 |
| Average earning assets | $116,183,670 | 4,031 |
| Average equity | $15,822,000 | 3,750 |
| Average total loans | $63,750,000 | 4,343 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 5,037 |
| Cost of funding earning assets | 0.6140% | 1,338 |
| Net interest margin | 2.8549% | 5,539 |
| Noninterest income to average assets | 0.4279% | 3,777 |
| Noninterest expense to average assets | 2.3813% | 4,646 |
| Loan and lease loss provision to assets | 0.1395% | 1,476 |
| Net operating income to assets | 0.4279% | 4,957 |
| Return on assets (ROA) | 0.4279% | 5,082 |
| Pretax return on assets | 0.4589% | 5,288 |
| Return on Equity (ROE) | 3.5003% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.5003% | 3,898 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9168% | 1,909 |
| Assets per employee ($millions) | 4.2559% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9821% | 302 |
| Loan loss allowance to noncurrent loans | 148.1064% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 2.1696% | 1,061 |
| Noncurrent loans to loans | 2.0135% | 1,298 |
| Net loans and leases to total assets | 46.8350% | 5,133 |
| Net loans and leases to deposits | 53.8838% | 5,199 |
| Net loans and leases to core deposits | 57.2916% | 5,168 |
| Total domestic deposits to total assets | 86.9184% | 2,414 |
| Equity capital to assets | 12.4056% | 1,751 |
| Core capital (leverage) ratio | 12.3355% | 1,435 |
| Tier 1 risk-based capital ratio | 19.9062% | 1,651 |
| Total risk-based capital ratio | 19.9062% | 1,912 |
| Memoranda: | ||
| Average total assets | $129,004,000 | 4,010 |
| Average earning assets | $115,309,500 | 4,075 |
| Average equity | $15,770,000 | 3,788 |
| Average total loans | $62,925,500 | 4,397 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,654 |
| Cost of funding earning assets | 0.6502% | 1,407 |
| Net interest margin | 3.3693% | 4,332 |
| Noninterest income to average assets | 0.2681% | 5,210 |
| Noninterest expense to average assets | 2.7182% | 3,802 |
| Loan and lease loss provision to assets | 0.2452% | 940 |
| Net operating income to assets | 0.3385% | 5,408 |
| Return on assets (ROA) | 0.3385% | 5,479 |
| Pretax return on assets | 0.2800% | 5,740 |
| Return on Equity (ROE) | 2.7642% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.7642% | 4,272 |
| Net charge-offs to loans | 0.1707% | 2,326 |
| Credit loss provision to net charge-offs | 276.7857% | 917 |
| Earnings coverage of net charge-offs (x) | 5.9286% | 3,316 |
| Efficiency ratio | 83.8088% | 1,438 |
| Assets per employee ($millions) | 4.8271% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7921% | 379 |
| Loan loss allowance to noncurrent loans | 134.0060% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 2.1545% | 1,135 |
| Noncurrent loans to loans | 2.0836% | 1,308 |
| Net loans and leases to total assets | 47.8954% | 5,168 |
| Net loans and leases to deposits | 54.8388% | 5,264 |
| Net loans and leases to core deposits | 58.3507% | 5,240 |
| Total domestic deposits to total assets | 87.3385% | 2,107 |
| Equity capital to assets | 12.0469% | 1,987 |
| Core capital (leverage) ratio | 12.0931% | 1,569 |
| Tier 1 risk-based capital ratio | 18.8446% | 1,894 |
| Total risk-based capital ratio | 20.1061% | 1,851 |
| Memoranda: | ||
| Average total assets | $126,446,200 | 4,048 |
| Average earning assets | $111,653,600 | 4,143 |
| Average equity | $15,483,800 | 3,749 |
| Average total loans | $65,615,000 | 4,313 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8417% | 4,401 |
| Cost of funding earning assets | 0.6588% | 1,398 |
| Net interest margin | 3.1829% | 5,019 |
| Noninterest income to average assets | 0.2954% | 5,087 |
| Noninterest expense to average assets | 2.6863% | 3,870 |
| Loan and lease loss provision to assets | 0.1435% | 1,750 |
| Net operating income to assets | 0.2688% | 5,682 |
| Return on assets (ROA) | 0.2688% | 5,746 |
| Pretax return on assets | 0.2688% | 5,828 |
| Return on Equity (ROE) | 2.1862% | 5,794 |
| Retained earnings to average equity (ytd only) | 2.1862% | 4,964 |
| Net charge-offs to loans | 0.0485% | 3,531 |
| Credit loss provision to net charge-offs | 562.5000% | 520 |
| Earnings coverage of net charge-offs (x) | 16.1663% | 2,001 |
| Efficiency ratio | 86.6941% | 1,121 |
| Assets per employee ($millions) | 4.4877% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4731% | 668 |
| Loan loss allowance to noncurrent loans | 79.9812% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.0812% | 753 |
| Noncurrent loans to loans | 3.0922% | 845 |
| Net loans and leases to total assets | 51.6931% | 4,837 |
| Net loans and leases to deposits | 59.0956% | 5,012 |
| Net loans and leases to core deposits | 63.0654% | 4,963 |
| Total domestic deposits to total assets | 87.4738% | 2,045 |
| Equity capital to assets | 11.9307% | 2,119 |
| Core capital (leverage) ratio | 11.4345% | 2,118 |
| Tier 1 risk-based capital ratio | 17.4435% | 2,417 |
| Total risk-based capital ratio | 18.7014% | 2,374 |
| Memoranda: | ||
| Average total assets | $125,474,750 | 4,109 |
| Average earning assets | $110,504,500 | 4,206 |
| Average equity | $15,429,500 | 3,783 |
| Average total loans | $65,964,750 | 4,333 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 4,374 |
| Cost of funding earning assets | 0.6660% | 1,403 |
| Net interest margin | 3.1737% | 5,029 |
| Noninterest income to average assets | 0.3502% | 4,627 |
| Noninterest expense to average assets | 2.6162% | 4,183 |
| Loan and lease loss provision to assets | 0.1453% | 1,700 |
| Net operating income to assets | 0.3728% | 5,319 |
| Return on assets (ROA) | 0.3728% | 5,387 |
| Pretax return on assets | 0.3728% | 5,632 |
| Return on Equity (ROE) | 3.0006% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.0006% | 4,293 |
| Net charge-offs to loans | -0.0123% | 5,382 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4706% | 1,574 |
| Assets per employee ($millions) | 4.4994% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5838% | 631 |
| Loan loss allowance to noncurrent loans | 123.1050% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.8242% | 925 |
| Noncurrent loans to loans | 2.0989% | 1,592 |
| Net loans and leases to total assets | 50.5461% | 4,904 |
| Net loans and leases to deposits | 58.0235% | 5,040 |
| Net loans and leases to core deposits | 62.2242% | 4,954 |
| Total domestic deposits to total assets | 87.1132% | 2,395 |
| Equity capital to assets | 12.3073% | 1,767 |
| Core capital (leverage) ratio | 12.4888% | 1,403 |
| Tier 1 risk-based capital ratio | 18.1581% | 2,185 |
| Total risk-based capital ratio | 19.4167% | 2,152 |
| Memoranda: | ||
| Average total assets | $123,918,670 | 4,163 |
| Average earning assets | $108,706,670 | 4,271 |
| Average equity | $15,397,000 | 3,788 |
| Average total loans | $64,959,330 | 4,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,302 |
| Cost of funding earning assets | 0.6707% | 1,436 |
| Net interest margin | 3.1767% | 4,998 |
| Noninterest income to average assets | 0.4232% | 4,003 |
| Noninterest expense to average assets | 2.6333% | 4,167 |
| Loan and lease loss provision to assets | 0.1465% | 1,657 |
| Net operating income to assets | 0.4492% | 4,933 |
| Return on assets (ROA) | 0.4492% | 5,006 |
| Pretax return on assets | 0.4492% | 5,310 |
| Return on Equity (ROE) | 3.5977% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.5977% | 3,973 |
| Net charge-offs to loans | -0.0062% | 4,874 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5524% | 1,986 |
| Assets per employee ($millions) | 4.1081% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5456% | 771 |
| Loan loss allowance to noncurrent loans | 118.4838% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.9746% | 967 |
| Noncurrent loans to loans | 2.1485% | 1,702 |
| Net loans and leases to total assets | 50.9749% | 4,800 |
| Net loans and leases to deposits | 58.6210% | 4,879 |
| Net loans and leases to core deposits | 62.4297% | 4,836 |
| Total domestic deposits to total assets | 86.9567% | 2,836 |
| Equity capital to assets | 12.5054% | 1,575 |
| Core capital (leverage) ratio | 13.2729% | 1,054 |
| Tier 1 risk-based capital ratio | 18.2157% | 2,198 |
| Total risk-based capital ratio | 19.4748% | 2,162 |
| Memoranda: | ||
| Average total assets | $122,887,000 | 4,215 |
| Average earning assets | $108,539,000 | 4,309 |
| Average equity | $15,343,000 | 3,802 |
| Average total loans | $64,755,000 | 4,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 3,871 |
| Cost of funding earning assets | 0.6435% | 2,260 |
| Net interest margin | 3.4204% | 4,201 |
| Noninterest income to average assets | 0.3324% | 4,958 |
| Noninterest expense to average assets | 2.8416% | 3,564 |
| Loan and lease loss provision to assets | 2.2885% | 38 |
| Net operating income to assets | -0.9197% | 6,595 |
| Return on assets (ROA) | -0.9197% | 6,596 |
| Pretax return on assets | -1.8078% | 6,695 |
| Return on Equity (ROE) | -8.0534% | 6,557 |
| Retained earnings to average equity (ytd only) | -8.0534% | 6,496 |
| Net charge-offs to loans | 4.4912% | 30 |
| Credit loss provision to net charge-offs | 92.7141% | 2,686 |
| Earnings coverage of net charge-offs (x) | 0.1948% | 5,020 |
| Efficiency ratio | 85.5310% | 1,464 |
| Assets per employee ($millions) | 4.3761% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4521% | 875 |
| Loan loss allowance to noncurrent loans | 112.0871% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 3.0686% | 1,018 |
| Noncurrent loans to loans | 2.1877% | 1,786 |
| Net loans and leases to total assets | 51.7836% | 4,884 |
| Net loans and leases to deposits | 59.5969% | 4,972 |
| Net loans and leases to core deposits | 63.6675% | 4,901 |
| Total domestic deposits to total assets | 86.8898% | 2,786 |
| Equity capital to assets | 12.4654% | 1,526 |
| Core capital (leverage) ratio | 12.6114% | 1,299 |
| Tier 1 risk-based capital ratio | 17.8828% | 2,278 |
| Total risk-based capital ratio | 19.1407% | 2,243 |
| Memoranda: | ||
| Average total assets | $117,326,600 | 4,332 |
| Average earning assets | $102,562,600 | 4,449 |
| Average equity | $13,398,000 | 4,181 |
| Average total loans | $64,481,400 | 4,464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 3,261 |
| Cost of funding earning assets | 0.6532% | 2,335 |
| Net interest margin | 3.5795% | 3,537 |
| Noninterest income to average assets | 0.0873% | 6,515 |
| Noninterest expense to average assets | 2.8740% | 3,395 |
| Loan and lease loss provision to assets | 0.1551% | 2,326 |
| Net operating income to assets | 0.1643% | 6,006 |
| Return on assets (ROA) | 0.1643% | 6,074 |
| Pretax return on assets | 0.1816% | 6,068 |
| Return on Equity (ROE) | 1.4747% | 6,082 |
| Retained earnings to average equity (ytd only) | 1.4747% | 5,395 |
| Net charge-offs to loans | 0.6362% | 969 |
| Credit loss provision to net charge-offs | 43.9739% | 3,633 |
| Earnings coverage of net charge-offs (x) | 0.9544% | 4,527 |
| Efficiency ratio | 89.5132% | 1,038 |
| Assets per employee ($millions) | 4.1588% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5192% | 912 |
| Loan loss allowance to noncurrent loans | 41.2002% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 5.6061% | 457 |
| Noncurrent loans to loans | 6.1146% | 408 |
| Net loans and leases to total assets | 54.2977% | 4,561 |
| Net loans and leases to deposits | 61.6290% | 4,804 |
| Net loans and leases to core deposits | 65.3637% | 4,768 |
| Total domestic deposits to total assets | 88.1043% | 2,057 |
| Equity capital to assets | 11.1615% | 2,605 |
| Core capital (leverage) ratio | 10.4291% | 3,091 |
| Tier 1 risk-based capital ratio | 15.7995% | 3,300 |
| Total risk-based capital ratio | 17.0592% | 3,248 |
| Memoranda: | ||
| Average total assets | $116,025,500 | 4,409 |
| Average earning assets | $101,240,250 | 4,522 |
| Average equity | $12,929,000 | 4,322 |
| Average total loans | $64,340,250 | 4,519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 3,179 |
| Cost of funding earning assets | 0.6581% | 2,424 |
| Net interest margin | 3.5848% | 3,432 |
| Noninterest income to average assets | -0.0224% | 6,824 |
| Noninterest expense to average assets | 2.8390% | 3,554 |
| Loan and lease loss provision to assets | 0.1553% | 2,372 |
| Net operating income to assets | 0.0880% | 6,153 |
| Return on assets (ROA) | 0.0880% | 6,236 |
| Pretax return on assets | 0.1139% | 6,211 |
| Return on Equity (ROE) | 0.7903% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.7903% | 5,585 |
| Net charge-offs to loans | 0.0966% | 3,394 |
| Credit loss provision to net charge-offs | 290.3226% | 891 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,979 |
| Efficiency ratio | 91.3381% | 951 |
| Assets per employee ($millions) | 3.8683% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8196% | 695 |
| Loan loss allowance to noncurrent loans | 80.3187% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 4.4645% | 739 |
| Noncurrent loans to loans | 3.5105% | 1,209 |
| Net loans and leases to total assets | 55.3909% | 4,386 |
| Net loans and leases to deposits | 62.8152% | 4,649 |
| Net loans and leases to core deposits | 66.6280% | 4,629 |
| Total domestic deposits to total assets | 88.1808% | 2,121 |
| Equity capital to assets | 11.1204% | 2,638 |
| Core capital (leverage) ratio | 10.9915% | 2,362 |
| Tier 1 risk-based capital ratio | 15.4028% | 3,526 |
| Total risk-based capital ratio | 16.6647% | 3,486 |
| Memoranda: | ||
| Average total assets | $115,885,670 | 4,446 |
| Average earning assets | $101,204,330 | 4,540 |
| Average equity | $12,906,330 | 4,355 |
| Average total loans | $64,166,670 | 4,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,861 |
| Cost of funding earning assets | 0.6521% | 2,639 |
| Net interest margin | 3.4148% | 4,065 |
| Noninterest income to average assets | 0.4767% | 3,943 |
| Noninterest expense to average assets | 2.9014% | 3,337 |
| Loan and lease loss provision to assets | 0.1554% | 2,313 |
| Net operating income to assets | 0.3523% | 5,337 |
| Return on assets (ROA) | 0.3523% | 5,479 |
| Pretax return on assets | 0.4041% | 5,547 |
| Return on Equity (ROE) | 3.1611% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.1611% | 4,370 |
| Net charge-offs to loans | 0.1076% | 2,796 |
| Credit loss provision to net charge-offs | 264.7059% | 881 |
| Earnings coverage of net charge-offs (x) | 9.5294% | 1,823 |
| Efficiency ratio | 83.8323% | 1,789 |
| Assets per employee ($millions) | 3.9860% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8240% | 799 |
| Loan loss allowance to noncurrent loans | 71.7808% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 5.1655% | 689 |
| Noncurrent loans to loans | 3.9342% | 1,158 |
| Net loans and leases to total assets | 54.5954% | 4,317 |
| Net loans and leases to deposits | 61.9341% | 4,562 |
| Net loans and leases to core deposits | 65.5324% | 4,586 |
| Total domestic deposits to total assets | 88.1508% | 2,227 |
| Equity capital to assets | 11.2091% | 2,725 |
| Core capital (leverage) ratio | 11.0949% | 2,184 |
| Tier 1 risk-based capital ratio | 15.7512% | 3,402 |
| Total risk-based capital ratio | 17.0134% | 3,351 |
| Memoranda: | ||
| Average total assets | $115,804,500 | 4,487 |
| Average earning assets | $101,207,500 | 4,586 |
| Average equity | $12,907,000 | 4,398 |
| Average total loans | $63,177,500 | 4,592 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 3,383 |
| Cost of funding earning assets | 0.7651% | 2,964 |
| Net interest margin | 3.7367% | 3,494 |
| Noninterest income to average assets | 0.7605% | 2,445 |
| Noninterest expense to average assets | 2.9292% | 3,535 |
| Loan and lease loss provision to assets | 0.3597% | 1,847 |
| Net operating income to assets | 0.6126% | 4,177 |
| Return on assets (ROA) | 0.6126% | 4,439 |
| Pretax return on assets | 0.7115% | 4,632 |
| Return on Equity (ROE) | 5.5110% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.5110% | 2,378 |
| Net charge-offs to loans | 0.7124% | 1,654 |
| Credit loss provision to net charge-offs | 92.5676% | 3,368 |
| Earnings coverage of net charge-offs (x) | 2.7568% | 4,050 |
| Efficiency ratio | 73.2225% | 3,204 |
| Assets per employee ($millions) | 3.8672% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 701 |
| Loan loss allowance to noncurrent loans | 70.9069% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 5.1399% | 745 |
| Noncurrent loans to loans | 4.1474% | 1,101 |
| Net loans and leases to total assets | 51.3778% | 4,989 |
| Net loans and leases to deposits | 58.1953% | 5,219 |
| Net loans and leases to core deposits | 61.3963% | 5,220 |
| Total domestic deposits to total assets | 88.2851% | 2,037 |
| Equity capital to assets | 11.0822% | 2,857 |
| Core capital (leverage) ratio | 10.8805% | 2,358 |
| Tier 1 risk-based capital ratio | 16.1609% | 3,070 |
| Total risk-based capital ratio | 17.4235% | 3,020 |
| Memoranda: | ||
| Average total assets | $114,263,800 | 4,487 |
| Average earning assets | $99,070,200 | 4,613 |
| Average equity | $12,701,800 | 4,417 |
| Average total loans | $62,323,600 | 4,618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 3,801 |
| Cost of funding earning assets | 0.7865% | 3,060 |
| Net interest margin | 3.6690% | 3,924 |
| Noninterest income to average assets | 0.9160% | 1,773 |
| Noninterest expense to average assets | 2.9858% | 3,284 |
| Loan and lease loss provision to assets | 0.3397% | 1,928 |
| Net operating income to assets | 0.7087% | 3,883 |
| Return on assets (ROA) | 0.7087% | 4,118 |
| Pretax return on assets | 0.7707% | 4,593 |
| Return on Equity (ROE) | 6.3701% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.3701% | 2,447 |
| Net charge-offs to loans | 0.5030% | 2,106 |
| Credit loss provision to net charge-offs | 122.8814% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.0169% | 3,430 |
| Efficiency ratio | 72.8910% | 3,168 |
| Assets per employee ($millions) | 3.7671% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9848% | 723 |
| Loan loss allowance to noncurrent loans | 45.8354% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 5.8427% | 704 |
| Noncurrent loans to loans | 6.5120% | 587 |
| Net loans and leases to total assets | 54.4438% | 4,679 |
| Net loans and leases to deposits | 61.8589% | 4,987 |
| Net loans and leases to core deposits | 64.9948% | 5,053 |
| Total domestic deposits to total assets | 88.0128% | 2,039 |
| Equity capital to assets | 11.2944% | 2,944 |
| Core capital (leverage) ratio | 11.0104% | 2,368 |
| Tier 1 risk-based capital ratio | 15.9802% | 3,274 |
| Total risk-based capital ratio | 17.2442% | 3,231 |
| Memoranda: | ||
| Average total assets | $113,826,000 | 4,549 |
| Average earning assets | $98,662,250 | 4,672 |
| Average equity | $12,663,000 | 4,469 |
| Average total loans | $62,551,500 | 4,660 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 3,174 |
| Cost of funding earning assets | 0.8177% | 3,056 |
| Net interest margin | 3.8241% | 3,246 |
| Noninterest income to average assets | 1.4777% | 668 |
| Noninterest expense to average assets | 3.0763% | 2,995 |
| Loan and lease loss provision to assets | 0.4295% | 1,520 |
| Net operating income to assets | 1.2673% | 1,521 |
| Return on assets (ROA) | 1.2673% | 1,688 |
| Pretax return on assets | 1.2673% | 2,658 |
| Return on Equity (ROE) | 11.4495% | 1,836 |
| Retained earnings to average equity (ytd only) | 11.4495% | 669 |
| Net charge-offs to loans | 0.4465% | 2,266 |
| Credit loss provision to net charge-offs | 176.2590% | 1,602 |
| Earnings coverage of net charge-offs (x) | 6.9640% | 2,551 |
| Efficiency ratio | 64.4510% | 4,808 |
| Assets per employee ($millions) | 3.7938% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0389% | 747 |
| Loan loss allowance to noncurrent loans | 57.4594% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 5.9280% | 724 |
| Noncurrent loans to loans | 5.2887% | 904 |
| Net loans and leases to total assets | 54.5262% | 4,700 |
| Net loans and leases to deposits | 61.8999% | 5,011 |
| Net loans and leases to core deposits | 64.8325% | 5,120 |
| Total domestic deposits to total assets | 88.0877% | 2,086 |
| Equity capital to assets | 11.3201% | 2,761 |
| Core capital (leverage) ratio | 11.0268% | 2,268 |
| Tier 1 risk-based capital ratio | 15.8062% | 3,271 |
| Total risk-based capital ratio | 17.0708% | 3,230 |
| Memoranda: | ||
| Average total assets | $114,097,330 | 4,563 |
| Average earning assets | $98,324,670 | 4,706 |
| Average equity | $12,629,330 | 4,474 |
| Average total loans | $62,261,670 | 4,705 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 1,686 |
| Cost of funding earning assets | 0.8746% | 2,875 |
| Net interest margin | 4.1852% | 1,795 |
| Noninterest income to average assets | 2.5526% | 294 |
| Noninterest expense to average assets | 3.0953% | 2,929 |
| Loan and lease loss provision to assets | 0.6828% | 776 |
| Net operating income to assets | 2.3600% | 221 |
| Return on assets (ROA) | 2.3600% | 271 |
| Pretax return on assets | 2.3600% | 413 |
| Return on Equity (ROE) | 21.5645% | 292 |
| Retained earnings to average equity (ytd only) | 21.5645% | 142 |
| Net charge-offs to loans | 0.8992% | 1,142 |
| Credit loss provision to net charge-offs | 141.3043% | 1,746 |
| Earnings coverage of net charge-offs (x) | 6.2971% | 2,234 |
| Efficiency ratio | 50.4278% | 6,647 |
| Assets per employee ($millions) | 3.6039% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1178% | 742 |
| Loan loss allowance to noncurrent loans | 54.6240% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 6.4644% | 700 |
| Noncurrent loans to loans | 5.7078% | 913 |
| Net loans and leases to total assets | 51.0874% | 5,138 |
| Net loans and leases to deposits | 57.8464% | 5,393 |
| Net loans and leases to core deposits | 60.5403% | 5,480 |
| Total domestic deposits to total assets | 88.3155% | 2,121 |
| Equity capital to assets | 11.1330% | 2,772 |
| Core capital (leverage) ratio | 11.0101% | 2,253 |
| Tier 1 risk-based capital ratio | 16.2069% | 3,067 |
| Total risk-based capital ratio | 17.4706% | 3,019 |
| Memoranda: | ||
| Average total assets | $114,238,500 | 4,592 |
| Average earning assets | $97,869,000 | 4,758 |
| Average equity | $12,502,000 | 4,506 |
| Average total loans | $61,390,500 | 4,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 3,427 |
| Cost of funding earning assets | 1.0785% | 2,814 |
| Net interest margin | 3.8065% | 3,784 |
| Noninterest income to average assets | 0.4899% | 3,924 |
| Noninterest expense to average assets | 3.1895% | 2,904 |
| Loan and lease loss provision to assets | 0.1884% | 4,298 |
| Net operating income to assets | 0.4682% | 4,547 |
| Return on assets (ROA) | 0.4682% | 4,754 |
| Pretax return on assets | 0.3595% | 5,405 |
| Return on Equity (ROE) | 4.5058% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.5058% | 2,970 |
| Net charge-offs to loans | 1.4473% | 1,122 |
| Credit loss provision to net charge-offs | 23.0343% | 5,878 |
| Earnings coverage of net charge-offs (x) | 0.6700% | 5,316 |
| Efficiency ratio | 85.3404% | 1,638 |
| Assets per employee ($millions) | 3.9018% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9676% | 836 |
| Loan loss allowance to noncurrent loans | 46.1365% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 7.0497% | 645 |
| Noncurrent loans to loans | 6.4322% | 733 |
| Net loans and leases to total assets | 53.1404% | 5,151 |
| Net loans and leases to deposits | 59.8767% | 5,497 |
| Net loans and leases to core deposits | 62.7033% | 5,574 |
| Total domestic deposits to total assets | 88.7497% | 1,687 |
| Equity capital to assets | 10.7509% | 3,246 |
| Core capital (leverage) ratio | 10.5668% | 2,646 |
| Tier 1 risk-based capital ratio | 15.2186% | 3,500 |
| Total risk-based capital ratio | 16.4811% | 3,453 |
| Memoranda: | ||
| Average total assets | $110,424,600 | 4,632 |
| Average earning assets | $94,206,400 | 4,805 |
| Average equity | $11,474,200 | 4,666 |
| Average total loans | $62,391,000 | 4,780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 2,863 |
| Cost of funding earning assets | 1.1201% | 2,831 |
| Net interest margin | 3.9254% | 3,245 |
| Noninterest income to average assets | 0.4896% | 3,951 |
| Noninterest expense to average assets | 3.2378% | 2,708 |
| Loan and lease loss provision to assets | 0.1677% | 4,374 |
| Net operating income to assets | 0.4277% | 4,866 |
| Return on assets (ROA) | 0.4277% | 5,061 |
| Pretax return on assets | 0.4349% | 5,359 |
| Return on Equity (ROE) | 4.1527% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.1527% | 3,775 |
| Net charge-offs to loans | 1.8603% | 709 |
| Credit loss provision to net charge-offs | 15.8257% | 5,611 |
| Earnings coverage of net charge-offs (x) | 0.5688% | 5,198 |
| Efficiency ratio | 84.3088% | 1,702 |
| Assets per employee ($millions) | 3.6156% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9443% | 902 |
| Loan loss allowance to noncurrent loans | 41.3888% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 7.3686% | 643 |
| Noncurrent loans to loans | 7.1136% | 693 |
| Net loans and leases to total assets | 52.9393% | 5,333 |
| Net loans and leases to deposits | 59.3776% | 5,711 |
| Net loans and leases to core deposits | 62.0138% | 5,813 |
| Total domestic deposits to total assets | 89.1571% | 1,328 |
| Equity capital to assets | 10.2888% | 3,972 |
| Core capital (leverage) ratio | 10.1341% | 3,267 |
| Tier 1 risk-based capital ratio | 14.8785% | 3,737 |
| Total risk-based capital ratio | 16.1505% | 3,694 |
| Memoranda: | ||
| Average total assets | $109,742,500 | 4,681 |
| Average earning assets | $93,677,750 | 4,854 |
| Average equity | $11,301,500 | 4,731 |
| Average total loans | $62,496,500 | 4,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 2,215 |
| Cost of funding earning assets | 1.1472% | 2,919 |
| Net interest margin | 4.0650% | 2,550 |
| Noninterest income to average assets | 0.5250% | 3,663 |
| Noninterest expense to average assets | 3.1717% | 2,997 |
| Loan and lease loss provision to assets | 0.1652% | 4,280 |
| Net operating income to assets | 0.6241% | 3,941 |
| Return on assets (ROA) | 0.6241% | 4,070 |
| Pretax return on assets | 0.6351% | 4,633 |
| Return on Equity (ROE) | 6.0581% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.0581% | 2,390 |
| Net charge-offs to loans | 2.0651% | 639 |
| Credit loss provision to net charge-offs | 13.8462% | 5,206 |
| Earnings coverage of net charge-offs (x) | 0.6708% | 4,789 |
| Efficiency ratio | 79.8521% | 2,409 |
| Assets per employee ($millions) | 4.6167% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2440% | 730 |
| Loan loss allowance to noncurrent loans | 41.0993% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 7.7365% | 616 |
| Noncurrent loans to loans | 7.8932% | 580 |
| Net loans and leases to total assets | 53.1372% | 5,408 |
| Net loans and leases to deposits | 59.6841% | 5,757 |
| Net loans and leases to core deposits | 62.5343% | 5,857 |
| Total domestic deposits to total assets | 89.0307% | 1,515 |
| Equity capital to assets | 10.4025% | 3,635 |
| Core capital (leverage) ratio | 10.2064% | 3,025 |
| Tier 1 risk-based capital ratio | 14.9347% | 3,525 |
| Total risk-based capital ratio | 16.2011% | 3,489 |
| Memoranda: | ||
| Average total assets | $108,962,330 | 4,731 |
| Average earning assets | $92,398,670 | 4,925 |
| Average equity | $11,224,670 | 4,757 |
| Average total loans | $62,950,000 | 4,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 4,199 |
| Cost of funding earning assets | 1.1434% | 3,204 |
| Net interest margin | 3.6273% | 4,450 |
| Noninterest income to average assets | 1.0440% | 1,207 |
| Noninterest expense to average assets | 3.1173% | 3,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9922% | 2,205 |
| Return on assets (ROA) | 0.9922% | 2,261 |
| Pretax return on assets | 0.9922% | 3,158 |
| Return on Equity (ROE) | 9.6803% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.6803% | 1,188 |
| Net charge-offs to loans | 3.5438% | 281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4727% | 4,267 |
| Efficiency ratio | 75.8559% | 3,181 |
| Assets per employee ($millions) | 2.6728% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0237% | 901 |
| Loan loss allowance to noncurrent loans | 41.7622% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 8.3388% | 552 |
| Noncurrent loans to loans | 7.2403% | 740 |
| Net loans and leases to total assets | 57.5686% | 4,711 |
| Net loans and leases to deposits | 64.5157% | 5,186 |
| Net loans and leases to core deposits | 67.7412% | 5,325 |
| Total domestic deposits to total assets | 89.2320% | 1,632 |
| Equity capital to assets | 10.2241% | 3,508 |
| Core capital (leverage) ratio | 10.0123% | 3,129 |
| Tier 1 risk-based capital ratio | 13.6755% | 4,306 |
| Total risk-based capital ratio | 14.9394% | 4,266 |
| Memoranda: | ||
| Average total assets | $108,043,500 | 4,789 |
| Average earning assets | $91,307,500 | 4,996 |
| Average equity | $11,074,000 | 4,782 |
| Average total loans | $64,000,000 | 4,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 4,605 |
| Cost of funding earning assets | 1.6232% | 1,935 |
| Net interest margin | 3.3680% | 5,736 |
| Noninterest income to average assets | -0.1384% | 7,423 |
| Noninterest expense to average assets | 3.5577% | 2,039 |
| Loan and lease loss provision to assets | 1.3270% | 1,151 |
| Net operating income to assets | -1.1648% | 6,772 |
| Return on assets (ROA) | -1.1648% | 6,792 |
| Pretax return on assets | -2.1821% | 7,084 |
| Return on Equity (ROE) | -11.6407% | 6,799 |
| Retained earnings to average equity (ytd only) | -11.6407% | 6,746 |
| Net charge-offs to loans | 1.5968% | 1,363 |
| Credit loss provision to net charge-offs | 131.8761% | 2,987 |
| Earnings coverage of net charge-offs (x) | -0.8497% | 6,569 |
| Efficiency ratio | 131.6378% | 305 |
| Assets per employee ($millions) | 3.3282% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0256% | 391 |
| Loan loss allowance to noncurrent loans | 52.3337% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 8.8833% | 513 |
| Noncurrent loans to loans | 7.6922% | 689 |
| Net loans and leases to total assets | 56.7242% | 5,225 |
| Net loans and leases to deposits | 63.5813% | 5,671 |
| Net loans and leases to core deposits | 66.8544% | 5,790 |
| Total domestic deposits to total assets | 89.2153% | 1,531 |
| Equity capital to assets | 10.2758% | 3,412 |
| Core capital (leverage) ratio | 9.9093% | 3,195 |
| Tier 1 risk-based capital ratio | 13.7167% | 4,051 |
| Total risk-based capital ratio | 14.9904% | 4,009 |
| Memoranda: | ||
| Average total assets | $109,116,600 | 4,737 |
| Average earning assets | $92,043,200 | 4,941 |
| Average equity | $10,918,600 | 4,882 |
| Average total loans | $68,762,800 | 4,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 4,687 |
| Cost of funding earning assets | 1.7546% | 1,609 |
| Net interest margin | 3.2731% | 6,101 |
| Noninterest income to average assets | 0.2611% | 6,031 |
| Noninterest expense to average assets | 3.4751% | 2,097 |
| Loan and lease loss provision to assets | 1.6033% | 805 |
| Net operating income to assets | -1.2535% | 7,002 |
| Return on assets (ROA) | -1.2535% | 7,032 |
| Pretax return on assets | -2.0552% | 7,214 |
| Return on Equity (ROE) | -12.6094% | 7,035 |
| Retained earnings to average equity (ytd only) | -12.6094% | 6,996 |
| Net charge-offs to loans | 1.2229% | 1,674 |
| Credit loss provision to net charge-offs | 204.9689% | 1,729 |
| Earnings coverage of net charge-offs (x) | -0.5776% | 6,357 |
| Efficiency ratio | 114.9458% | 451 |
| Assets per employee ($millions) | 3.2956% | 5,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3195% | 280 |
| Loan loss allowance to noncurrent loans | 48.0672% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 9.7044% | 431 |
| Noncurrent loans to loans | 8.9864% | 538 |
| Net loans and leases to total assets | 58.2511% | 5,226 |
| Net loans and leases to deposits | 65.3083% | 5,742 |
| Net loans and leases to core deposits | 68.4092% | 5,899 |
| Total domestic deposits to total assets | 89.1941% | 1,286 |
| Equity capital to assets | 10.2975% | 3,770 |
| Core capital (leverage) ratio | 10.4334% | 2,762 |
| Tier 1 risk-based capital ratio | 13.7139% | 4,043 |
| Total risk-based capital ratio | 14.9920% | 3,982 |
| Memoranda: | ||
| Average total assets | $109,770,000 | 4,778 |
| Average earning assets | $92,632,250 | 4,987 |
| Average equity | $10,912,250 | 4,947 |
| Average total loans | $70,216,750 | 4,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 4,539 |
| Cost of funding earning assets | 1.6618% | 2,323 |
| Net interest margin | 3.4224% | 5,551 |
| Noninterest income to average assets | 0.6702% | 2,892 |
| Noninterest expense to average assets | 3.3276% | 2,476 |
| Loan and lease loss provision to assets | 1.9072% | 650 |
| Net operating income to assets | -1.3242% | 7,083 |
| Return on assets (ROA) | -1.3242% | 7,096 |
| Pretax return on assets | -1.6693% | 7,135 |
| Return on Equity (ROE) | -13.4792% | 7,093 |
| Retained earnings to average equity (ytd only) | -13.4792% | 7,054 |
| Net charge-offs to loans | 0.8889% | 2,060 |
| Credit loss provision to net charge-offs | 330.1887% | 1,108 |
| Earnings coverage of net charge-offs (x) | 0.4119% | 5,314 |
| Efficiency ratio | 93.3265% | 1,101 |
| Assets per employee ($millions) | 3.1211% | 5,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1095% | 339 |
| Loan loss allowance to noncurrent loans | 45.4135% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 10.1248% | 398 |
| Noncurrent loans to loans | 9.0490% | 525 |
| Net loans and leases to total assets | 62.2884% | 4,628 |
| Net loans and leases to deposits | 73.8119% | 4,707 |
| Net loans and leases to core deposits | 74.9444% | 5,330 |
| Total domestic deposits to total assets | 84.3881% | 3,919 |
| Equity capital to assets | 9.6167% | 4,521 |
| Core capital (leverage) ratio | 9.2478% | 4,214 |
| Tier 1 risk-based capital ratio | 12.2488% | 5,078 |
| Total risk-based capital ratio | 13.5255% | 5,031 |
| Memoranda: | ||
| Average total assets | $110,108,330 | 4,801 |
| Average earning assets | $93,150,000 | 5,014 |
| Average equity | $10,816,670 | 4,969 |
| Average total loans | $71,552,000 | 4,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 4,425 |
| Cost of funding earning assets | 1.7262% | 2,261 |
| Net interest margin | 3.3966% | 5,596 |
| Noninterest income to average assets | 0.7526% | 2,285 |
| Noninterest expense to average assets | 3.2928% | 2,553 |
| Loan and lease loss provision to assets | 2.1711% | 496 |
| Net operating income to assets | -1.8490% | 7,425 |
| Return on assets (ROA) | -1.8490% | 7,428 |
| Pretax return on assets | -1.8490% | 7,368 |
| Return on Equity (ROE) | -18.6284% | 7,411 |
| Retained earnings to average equity (ytd only) | -18.6284% | 7,333 |
| Net charge-offs to loans | 0.7683% | 1,973 |
| Credit loss provision to net charge-offs | 434.7826% | 956 |
| Earnings coverage of net charge-offs (x) | 0.6449% | 4,450 |
| Efficiency ratio | 91.0911% | 1,346 |
| Assets per employee ($millions) | 3.2601% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7469% | 453 |
| Loan loss allowance to noncurrent loans | 38.7238% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 9.8437% | 412 |
| Noncurrent loans to loans | 9.6759% | 448 |
| Net loans and leases to total assets | 61.3237% | 4,891 |
| Net loans and leases to deposits | 72.6192% | 4,968 |
| Net loans and leases to core deposits | 73.7122% | 5,521 |
| Total domestic deposits to total assets | 84.4456% | 3,918 |
| Equity capital to assets | 9.6686% | 4,275 |
| Core capital (leverage) ratio | 9.4827% | 3,798 |
| Tier 1 risk-based capital ratio | 12.1878% | 5,003 |
| Total risk-based capital ratio | 13.4596% | 4,957 |
| Memoranda: | ||
| Average total assets | $110,544,000 | 4,858 |
| Average earning assets | $93,152,500 | 5,077 |
| Average equity | $10,972,500 | 4,982 |
| Average total loans | $71,849,000 | 4,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 4,773 |
| Cost of funding earning assets | 2.0357% | 2,794 |
| Net interest margin | 3.3471% | 5,562 |
| Noninterest income to average assets | 0.6980% | 2,994 |
| Noninterest expense to average assets | 4.0204% | 1,334 |
| Loan and lease loss provision to assets | 0.6892% | 3,072 |
| Net operating income to assets | -0.6027% | 6,272 |
| Return on assets (ROA) | -0.6027% | 6,265 |
| Pretax return on assets | -1.1940% | 6,536 |
| Return on Equity (ROE) | -5.8080% | 6,285 |
| Retained earnings to average equity (ytd only) | -5.8080% | 6,123 |
| Net charge-offs to loans | 1.9628% | 1,255 |
| Credit loss provision to net charge-offs | 52.7703% | 6,715 |
| Earnings coverage of net charge-offs (x) | -0.3865% | 6,618 |
| Efficiency ratio | 114.3574% | 703 |
| Assets per employee ($millions) | 2.8268% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9885% | 782 |
| Loan loss allowance to noncurrent loans | 28.1045% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 10.1383% | 362 |
| Noncurrent loans to loans | 10.6337% | 365 |
| Net loans and leases to total assets | 64.3068% | 4,535 |
| Net loans and leases to deposits | 76.6723% | 4,633 |
| Net loans and leases to core deposits | 87.9547% | 5,334 |
| Total domestic deposits to total assets | 83.8723% | 4,088 |
| Equity capital to assets | 10.1846% | 3,530 |
| Core capital (leverage) ratio | 10.0828% | 3,010 |
| Tier 1 risk-based capital ratio | 12.3522% | 4,639 |
| Total risk-based capital ratio | 13.6165% | 4,588 |
| Memoranda: | ||
| Average total assets | $113,320,800 | 4,749 |
| Average earning assets | $95,397,200 | 4,966 |
| Average equity | $11,759,600 | 4,801 |
| Average total loans | $75,402,200 | 4,673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3816% | 5,032 |
| Cost of funding earning assets | 2.0914% | 2,927 |
| Net interest margin | 3.2902% | 5,679 |
| Noninterest income to average assets | 0.7806% | 2,542 |
| Noninterest expense to average assets | 3.4113% | 2,542 |
| Loan and lease loss provision to assets | 0.1169% | 6,197 |
| Net operating income to assets | 0.1262% | 5,388 |
| Return on assets (ROA) | 0.1262% | 5,453 |
| Pretax return on assets | 0.0269% | 5,654 |
| Return on Equity (ROE) | 1.2108% | 5,429 |
| Retained earnings to average equity (ytd only) | 1.2108% | 4,647 |
| Net charge-offs to loans | 1.2037% | 1,692 |
| Credit loss provision to net charge-offs | 14.5773% | 6,601 |
| Earnings coverage of net charge-offs (x) | 0.1793% | 5,844 |
| Efficiency ratio | 95.9566% | 1,283 |
| Assets per employee ($millions) | 3.0894% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0892% | 619 |
| Loan loss allowance to noncurrent loans | 28.5945% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 10.6414% | 300 |
| Noncurrent loans to loans | 10.8033% | 342 |
| Net loans and leases to total assets | 64.7923% | 4,699 |
| Net loans and leases to deposits | 77.8093% | 4,766 |
| Net loans and leases to core deposits | 89.7117% | 5,461 |
| Total domestic deposits to total assets | 83.2705% | 4,081 |
| Equity capital to assets | 10.7987% | 3,210 |
| Core capital (leverage) ratio | 10.5897% | 2,725 |
| Tier 1 risk-based capital ratio | 13.6266% | 3,766 |
| Total risk-based capital ratio | 14.8939% | 3,695 |
| Memoranda: | ||
| Average total assets | $114,089,750 | 4,742 |
| Average earning assets | $96,202,750 | 4,976 |
| Average equity | $11,892,500 | 4,824 |
| Average total loans | $75,983,000 | 4,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 4,546 |
| Cost of funding earning assets | 2.1716% | 2,925 |
| Net interest margin | 3.3424% | 5,394 |
| Noninterest income to average assets | 0.9144% | 1,923 |
| Noninterest expense to average assets | 3.3534% | 2,777 |
| Loan and lease loss provision to assets | 0.1738% | 5,316 |
| Net operating income to assets | 0.1912% | 5,294 |
| Return on assets (ROA) | 0.1912% | 5,371 |
| Pretax return on assets | 0.1912% | 5,492 |
| Return on Equity (ROE) | 1.8560% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.8560% | 4,313 |
| Net charge-offs to loans | 0.7893% | 2,100 |
| Credit loss provision to net charge-offs | 33.1126% | 5,991 |
| Earnings coverage of net charge-offs (x) | 0.6954% | 5,021 |
| Efficiency ratio | 90.1823% | 1,788 |
| Assets per employee ($millions) | 3.6092% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4318% | 404 |
| Loan loss allowance to noncurrent loans | 28.7784% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 11.4273% | 210 |
| Noncurrent loans to loans | 11.9249% | 229 |
| Net loans and leases to total assets | 65.3197% | 4,701 |
| Net loans and leases to deposits | 77.8192% | 4,907 |
| Net loans and leases to core deposits | 89.4232% | 5,580 |
| Total domestic deposits to total assets | 83.9378% | 3,805 |
| Equity capital to assets | 10.3087% | 3,613 |
| Core capital (leverage) ratio | 10.5715% | 2,750 |
| Tier 1 risk-based capital ratio | 12.7162% | 4,350 |
| Total risk-based capital ratio | 13.9856% | 4,245 |
| Memoranda: | ||
| Average total assets | $115,047,330 | 4,750 |
| Average earning assets | $96,517,000 | 4,993 |
| Average equity | $11,853,330 | 4,858 |
| Average total loans | $76,525,000 | 4,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4660% | 5,087 |
| Cost of funding earning assets | 2.3043% | 2,681 |
| Net interest margin | 3.1617% | 5,979 |
| Noninterest income to average assets | 0.9475% | 1,653 |
| Noninterest expense to average assets | 3.2189% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4006% | 4,855 |
| Return on assets (ROA) | 0.4006% | 5,039 |
| Pretax return on assets | 0.4006% | 5,396 |
| Return on Equity (ROE) | 3.8894% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.8894% | 3,727 |
| Net charge-offs to loans | 1.5688% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.3872% | 4,674 |
| Efficiency ratio | 88.9317% | 1,812 |
| Assets per employee ($millions) | 3.2044% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2914% | 378 |
| Loan loss allowance to noncurrent loans | 26.6269% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 11.5587% | 159 |
| Noncurrent loans to loans | 12.3613% | 167 |
| Net loans and leases to total assets | 65.8657% | 4,613 |
| Net loans and leases to deposits | 78.4387% | 4,854 |
| Net loans and leases to core deposits | 91.0138% | 5,454 |
| Total domestic deposits to total assets | 83.9709% | 3,720 |
| Equity capital to assets | 10.3061% | 3,650 |
| Core capital (leverage) ratio | 10.2739% | 3,136 |
| Tier 1 risk-based capital ratio | 11.2002% | 5,701 |
| Total risk-based capital ratio | 12.4647% | 5,599 |
| Memoranda: | ||
| Average total assets | $114,823,500 | 4,781 |
| Average earning assets | $97,035,500 | 5,003 |
| Average equity | $11,827,000 | 4,894 |
| Average total loans | $75,726,500 | 4,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8591% | 6,239 |
| Cost of funding earning assets | 2.9407% | 2,094 |
| Net interest margin | 2.9185% | 7,115 |
| Noninterest income to average assets | 0.6548% | 3,433 |
| Noninterest expense to average assets | 3.5605% | 2,237 |
| Loan and lease loss provision to assets | 2.2243% | 515 |
| Net operating income to assets | -1.5357% | 7,481 |
| Return on assets (ROA) | -1.5357% | 7,429 |
| Pretax return on assets | -2.5927% | 7,615 |
| Return on Equity (ROE) | -16.2837% | 7,637 |
| Retained earnings to average equity (ytd only) | -16.2837% | 7,529 |
| Net charge-offs to loans | 4.0291% | 161 |
| Credit loss provision to net charge-offs | 81.4433% | 5,871 |
| Earnings coverage of net charge-offs (x) | -0.1349% | 6,338 |
| Efficiency ratio | 111.5423% | 685 |
| Assets per employee ($millions) | 3.1747% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9555% | 195 |
| Loan loss allowance to noncurrent loans | 30.4564% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 10.2942% | 146 |
| Noncurrent loans to loans | 12.9876% | 102 |
| Net loans and leases to total assets | 61.2505% | 5,734 |
| Net loans and leases to deposits | 74.2042% | 5,824 |
| Net loans and leases to core deposits | 87.8065% | 5,992 |
| Total domestic deposits to total assets | 82.5432% | 3,978 |
| Equity capital to assets | 10.2942% | 3,720 |
| Core capital (leverage) ratio | 10.2057% | 3,259 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,756 |
| Total risk-based capital ratio | 14.8837% | 3,647 |
| Memoranda: | ||
| Average total assets | $124,309,400 | 4,411 |
| Average earning assets | $108,070,400 | 4,561 |
| Average equity | $11,723,400 | 4,909 |
| Average total loans | $84,262,400 | 4,393 |