Home > First Resource Bank > Performance and Condition Ratios
First Resource Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 2,540 |
| Cost of funding earning assets | 1.9524% | 989 |
| Net interest margin | 2.8153% | 3,633 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1676% | 3,205 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4806% | 3,707 |
| Return on assets (ROA) | 0.4806% | 3,708 |
| Pretax return on assets | 0.6689% | 3,499 |
| Return on Equity (ROE) | 5.1200% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.8174% | 2,668 |
| Net charge-offs to loans | 0.0037% | 2,621 |
| Credit loss provision to net charge-offs | 1,658.8235% | 276 |
| Earnings coverage of net charge-offs (x) | 223.0588% | 545 |
| Efficiency ratio | 74.2516% | 1,430 |
| Assets per employee ($millions) | 9.9019% | 728 |
| Cash dividends to net income (ytd only)* | 5.9477% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 2,837 |
| Loan loss allowance to noncurrent loans | 8,086.3636% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,691 |
| Noncurrent loans to loans | 0.0136% | 3,652 |
| Net loans and leases to total assets | 86.5200% | 139 |
| Net loans and leases to deposits | 107.4770% | 251 |
| Net loans and leases to core deposits | 122.0379% | 571 |
| Total domestic deposits to total assets | 80.5000% | 3,379 |
| Equity capital to assets | 9.1207% | 2,594 |
| Core capital (leverage) ratio | 8.4863% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3898% | 2,456 |
| Memoranda: | ||
| Average total assets | $524,732,400 | 1,674 |
| Average earning assets | $501,116,600 | 1,633 |
| Average equity | $49,238,000 | 1,630 |
| Average total loans | $457,416,600 | 1,333 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 2,625 |
| Cost of funding earning assets | 1.8194% | 982 |
| Net interest margin | 2.8043% | 3,720 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2512% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4531% | 3,860 |
| Return on assets (ROA) | 0.4531% | 3,860 |
| Pretax return on assets | 0.6320% | 3,676 |
| Return on Equity (ROE) | 4.7900% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.7930% | 3,004 |
| Net charge-offs to loans | 0.0047% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 153.2500% | 713 |
| Efficiency ratio | 77.3199% | 1,066 |
| Assets per employee ($millions) | 9.1331% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 2,997 |
| Loan loss allowance to noncurrent loans | 7,222.8571% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,712 |
| Noncurrent loans to loans | 0.0149% | 3,687 |
| Net loans and leases to total assets | 87.8700% | 81 |
| Net loans and leases to deposits | 108.7129% | 229 |
| Net loans and leases to core deposits | 119.6315% | 556 |
| Total domestic deposits to total assets | 80.8300% | 3,414 |
| Equity capital to assets | 9.3938% | 2,163 |
| Core capital (leverage) ratio | 8.7481% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1395% | 2,576 |
| Memoranda: | ||
| Average total assets | $517,288,500 | 1,697 |
| Average earning assets | $493,702,250 | 1,650 |
| Average equity | $48,903,750 | 1,628 |
| Average total loans | $450,492,750 | 1,343 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,591 |
| Cost of funding earning assets | 1.6878% | 898 |
| Net interest margin | 2.8354% | 3,770 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.3385% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4085% | 3,993 |
| Return on assets (ROA) | 0.4085% | 3,999 |
| Pretax return on assets | 0.5729% | 3,844 |
| Return on Equity (ROE) | 4.3100% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.3112% | 3,129 |
| Net charge-offs to loans | 0.0036% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 183.7500% | 655 |
| Efficiency ratio | 79.5716% | 867 |
| Assets per employee ($millions) | 9.0721% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 2,949 |
| Loan loss allowance to noncurrent loans | 6,752.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,700 |
| Noncurrent loans to loans | 0.0163% | 3,651 |
| Net loans and leases to total assets | 84.8500% | 220 |
| Net loans and leases to deposits | 105.8593% | 316 |
| Net loans and leases to core deposits | 122.3119% | 465 |
| Total domestic deposits to total assets | 80.1500% | 3,556 |
| Equity capital to assets | 9.1510% | 2,412 |
| Core capital (leverage) ratio | 8.7762% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1139% | 2,597 |
| Memoranda: | ||
| Average total assets | $513,145,000 | 1,697 |
| Average earning assets | $489,526,333 | 1,661 |
| Average equity | $48,618,000 | 1,631 |
| Average total loans | $443,809,667 | 1,334 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 2,470 |
| Cost of funding earning assets | 1.4889% | 866 |
| Net interest margin | 2.9402% | 3,721 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5286% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3306% | 4,204 |
| Return on assets (ROA) | 0.3306% | 4,162 |
| Pretax return on assets | 0.4613% | 4,039 |
| Return on Equity (ROE) | 3.4300% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.4272% | 3,404 |
| Net charge-offs to loans | 0.0055% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 803 |
| Efficiency ratio | 83.8263% | 600 |
| Assets per employee ($millions) | 8.1176% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,902 |
| Loan loss allowance to noncurrent loans | 6,412.6582% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,688 |
| Noncurrent loans to loans | 0.0176% | 3,664 |
| Net loans and leases to total assets | 85.2900% | 171 |
| Net loans and leases to deposits | 99.4485% | 467 |
| Net loans and leases to core deposits | 121.6626% | 397 |
| Total domestic deposits to total assets | 85.7600% | 2,662 |
| Equity capital to assets | 9.3360% | 2,272 |
| Core capital (leverage) ratio | 8.9878% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1593% | 2,678 |
| Memoranda: | ||
| Average total assets | $502,092,000 | 1,737 |
| Average earning assets | $478,203,000 | 1,710 |
| Average equity | $48,436,500 | 1,647 |
| Average total loans | $436,099,500 | 1,363 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 1,408 |
| Cost of funding earning assets | 0.6859% | 623 |
| Net interest margin | 3.4439% | 2,119 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.2161% | 2,985 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 0.7855% | 3,377 |
| Return on assets (ROA) | 0.7953% | 3,274 |
| Pretax return on assets | 1.0997% | 2,768 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.6354% | 1,589 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5459% | 2,830 |
| Assets per employee ($millions) | 7.6930% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 2,919 |
| Loan loss allowance to noncurrent loans | 4,991.3978% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 3,653 |
| Noncurrent loans to loans | 0.0219% | 3,645 |
| Net loans and leases to total assets | 86.5300% | 126 |
| Net loans and leases to deposits | 101.6331% | 378 |
| Net loans and leases to core deposits | 107.6511% | 686 |
| Total domestic deposits to total assets | 85.1400% | 2,958 |
| Equity capital to assets | 9.9802% | 1,715 |
| Core capital (leverage) ratio | 9.3202% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6498% | 2,510 |
| Memoranda: | ||
| Average total assets | $404,759,600 | 2,013 |
| Average earning assets | $390,454,600 | 1,944 |
| Average equity | $37,276,600 | 2,025 |
| Average total loans | $357,377,000 | 1,524 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,372 |
| Cost of funding earning assets | 0.5273% | 652 |
| Net interest margin | 3.4181% | 1,921 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.1528% | 3,066 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 0.7990% | 3,271 |
| Return on assets (ROA) | 0.7990% | 3,223 |
| Pretax return on assets | 1.1054% | 2,704 |
| Return on Equity (ROE) | 8.9100% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9110% | 1,675 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.3630% | 3,071 |
| Assets per employee ($millions) | 8.9895% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 2,980 |
| Loan loss allowance to noncurrent loans | 39,190.9091% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,998 |
| Noncurrent loans to loans | 0.0028% | 3,946 |
| Net loans and leases to total assets | 89.2700% | 38 |
| Net loans and leases to deposits | 97.8206% | 465 |
| Net loans and leases to core deposits | 112.8085% | 391 |
| Total domestic deposits to total assets | 91.2600% | 1,136 |
| Equity capital to assets | 8.4510% | 2,579 |
| Core capital (leverage) ratio | 8.4220% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6707% | 2,902 |
| Memoranda: | ||
| Average total assets | $384,784,500 | 2,102 |
| Average earning assets | $373,220,750 | 2,033 |
| Average equity | $34,503,250 | 2,165 |
| Average total loans | $340,711,500 | 1,565 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 1,210 |
| Cost of funding earning assets | 0.3505% | 1,253 |
| Net interest margin | 3.4986% | 1,315 |
| Noninterest income to average assets | 0.1750% | 4,130 |
| Noninterest expense to average assets | 2.1966% | 2,871 |
| Loan and lease loss provision to assets | 0.2492% | 291 |
| Net operating income to assets | 0.8017% | 2,951 |
| Return on assets (ROA) | 0.8017% | 2,918 |
| Pretax return on assets | 1.1197% | 2,338 |
| Return on Equity (ROE) | 8.7447% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.7447% | 1,364 |
| Net charge-offs to loans | -0.0018% | 3,121 |
| Credit loss provision to net charge-offs | -15,333.3333% | 3,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3339% | 3,136 |
| Assets per employee ($millions) | 9.0895% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,272 |
| Loan loss allowance to noncurrent loans | 35,718.1818% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,040 |
| Noncurrent loans to loans | 0.0030% | 3,989 |
| Net loans and leases to total assets | 90.7105% | 15 |
| Net loans and leases to deposits | 109.8051% | 97 |
| Net loans and leases to core deposits | 118.9198% | 209 |
| Total domestic deposits to total assets | 82.6105% | 3,928 |
| Equity capital to assets | 8.9762% | 2,399 |
| Core capital (leverage) ratio | 9.0936% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8520% | 2,848 |
| Memoranda: | ||
| Average total assets | $369,213,333 | 2,160 |
| Average earning assets | $357,797,667 | 2,113 |
| Average equity | $33,849,000 | 2,235 |
| Average total loans | $324,446,000 | 1,617 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 1,309 |
| Cost of funding earning assets | 0.3383% | 1,303 |
| Net interest margin | 3.3448% | 1,459 |
| Noninterest income to average assets | 0.1639% | 4,179 |
| Noninterest expense to average assets | 2.2620% | 2,645 |
| Loan and lease loss provision to assets | 0.1809% | 423 |
| Net operating income to assets | 0.6896% | 3,097 |
| Return on assets (ROA) | 0.6896% | 3,086 |
| Pretax return on assets | 0.9620% | 2,571 |
| Return on Equity (ROE) | 7.4336% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.4336% | 1,754 |
| Net charge-offs to loans | 0.0026% | 1,703 |
| Credit loss provision to net charge-offs | 8,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 505.5000% | 207 |
| Efficiency ratio | 66.1355% | 2,756 |
| Assets per employee ($millions) | 8.5747% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,161 |
| Loan loss allowance to noncurrent loans | 30,200.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,071 |
| Noncurrent loans to loans | 0.0038% | 4,016 |
| Net loans and leases to total assets | 85.3325% | 63 |
| Net loans and leases to deposits | 94.7073% | 329 |
| Net loans and leases to core deposits | 102.6304% | 429 |
| Total domestic deposits to total assets | 90.1012% | 1,502 |
| Equity capital to assets | 9.5638% | 2,233 |
| Core capital (leverage) ratio | 9.6487% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3682% | 2,458 |
| Memoranda: | ||
| Average total assets | $353,852,000 | 2,240 |
| Average earning assets | $342,864,500 | 2,174 |
| Average equity | $32,824,000 | 2,338 |
| Average total loans | $303,312,500 | 1,691 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 1,494 |
| Cost of funding earning assets | 0.3943% | 1,584 |
| Net interest margin | 3.5541% | 1,589 |
| Noninterest income to average assets | 0.1613% | 4,346 |
| Noninterest expense to average assets | 2.2327% | 2,986 |
| Loan and lease loss provision to assets | 0.1924% | 574 |
| Net operating income to assets | 0.8454% | 3,201 |
| Return on assets (ROA) | 0.8454% | 3,269 |
| Pretax return on assets | 1.1487% | 2,822 |
| Return on Equity (ROE) | 9.2554% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.2554% | 1,115 |
| Net charge-offs to loans | 0.0042% | 2,453 |
| Credit loss provision to net charge-offs | 5,454.5455% | 134 |
| Earnings coverage of net charge-offs (x) | 380.2727% | 342 |
| Efficiency ratio | 62.1513% | 2,850 |
| Assets per employee ($millions) | 8.0712% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 2,878 |
| Loan loss allowance to noncurrent loans | 34,660.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,155 |
| Noncurrent loans to loans | 0.0035% | 4,095 |
| Net loans and leases to total assets | 84.0445% | 109 |
| Net loans and leases to deposits | 98.9518% | 219 |
| Net loans and leases to core deposits | 106.9865% | 352 |
| Total domestic deposits to total assets | 84.9347% | 3,294 |
| Equity capital to assets | 8.9633% | 3,658 |
| Core capital (leverage) ratio | 8.6337% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5753% | 2,758 |
| Memoranda: | ||
| Average total assets | $311,914,400 | 2,384 |
| Average earning assets | $299,481,800 | 2,335 |
| Average equity | $28,491,600 | 2,617 |
| Average total loans | $261,112,200 | 1,877 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 1,416 |
| Cost of funding earning assets | 0.4062% | 1,654 |
| Net interest margin | 3.6481% | 1,472 |
| Noninterest income to average assets | 0.1743% | 4,335 |
| Noninterest expense to average assets | 2.2363% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0277% | 2,809 |
| Return on assets (ROA) | 1.0277% | 2,873 |
| Pretax return on assets | 1.4345% | 2,197 |
| Return on Equity (ROE) | 11.1924% | 2,315 |
| Retained earnings to average equity (ytd only) | 11.1924% | 1,015 |
| Net charge-offs to loans | 0.0058% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 298.4545% | 441 |
| Efficiency ratio | 60.5999% | 2,897 |
| Assets per employee ($millions) | 7.7382% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,619 |
| Loan loss allowance to noncurrent loans | 40,942.8571% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,267 |
| Noncurrent loans to loans | 0.0026% | 4,203 |
| Net loans and leases to total assets | 84.3304% | 107 |
| Net loans and leases to deposits | 100.4294% | 219 |
| Net loans and leases to core deposits | 109.4113% | 335 |
| Total domestic deposits to total assets | 83.9699% | 3,461 |
| Equity capital to assets | 9.4911% | 3,378 |
| Core capital (leverage) ratio | 8.8380% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6447% | 2,484 |
| Memoranda: | ||
| Average total assets | $305,145,000 | 2,438 |
| Average earning assets | $292,454,000 | 2,392 |
| Average equity | $28,018,250 | 2,681 |
| Average total loans | $254,297,750 | 1,934 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 1,177 |
| Cost of funding earning assets | 0.4127% | 1,779 |
| Net interest margin | 3.7960% | 1,141 |
| Noninterest income to average assets | 0.1521% | 4,442 |
| Noninterest expense to average assets | 2.2099% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1305% | 2,434 |
| Return on assets (ROA) | 1.1305% | 2,500 |
| Pretax return on assets | 1.5775% | 1,805 |
| Return on Equity (ROE) | 12.4596% | 1,890 |
| Retained earnings to average equity (ytd only) | 12.4596% | 818 |
| Net charge-offs to loans | 0.0088% | 1,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 215.9091% | 476 |
| Efficiency ratio | 58.0323% | 3,284 |
| Assets per employee ($millions) | 8.5499% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,258 |
| Loan loss allowance to noncurrent loans | 3,115.2174% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,056 |
| Noncurrent loans to loans | 0.0365% | 4,014 |
| Net loans and leases to total assets | 81.0064% | 263 |
| Net loans and leases to deposits | 96.7116% | 360 |
| Net loans and leases to core deposits | 105.6629% | 480 |
| Total domestic deposits to total assets | 83.7608% | 3,506 |
| Equity capital to assets | 9.5715% | 3,270 |
| Core capital (leverage) ratio | 8.8750% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6946% | 2,090 |
| Memoranda: | ||
| Average total assets | $301,105,000 | 2,452 |
| Average earning assets | $288,358,667 | 2,411 |
| Average equity | $27,320,333 | 2,715 |
| Average total loans | $248,924,667 | 1,968 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 808 |
| Cost of funding earning assets | 0.4266% | 1,888 |
| Net interest margin | 4.0488% | 787 |
| Noninterest income to average assets | 0.2808% | 3,719 |
| Noninterest expense to average assets | 2.1736% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4213% | 1,521 |
| Return on assets (ROA) | 1.4213% | 1,593 |
| Pretax return on assets | 1.9828% | 975 |
| Return on Equity (ROE) | 16.1219% | 992 |
| Retained earnings to average equity (ytd only) | 16.1219% | 504 |
| Net charge-offs to loans | 0.0178% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 134.1818% | 522 |
| Efficiency ratio | 52.0039% | 3,990 |
| Assets per employee ($millions) | 8.2620% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,416 |
| Loan loss allowance to noncurrent loans | 865.8610% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 3,654 |
| Noncurrent loans to loans | 0.1274% | 3,671 |
| Net loans and leases to total assets | 81.8488% | 233 |
| Net loans and leases to deposits | 97.1608% | 368 |
| Net loans and leases to core deposits | 105.4837% | 529 |
| Total domestic deposits to total assets | 84.2405% | 3,358 |
| Equity capital to assets | 9.1662% | 3,527 |
| Core capital (leverage) ratio | 8.9615% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7793% | 1,972 |
| Memoranda: | ||
| Average total assets | $297,758,500 | 2,449 |
| Average earning assets | $285,023,000 | 2,414 |
| Average equity | $26,250,000 | 2,785 |
| Average total loans | $247,286,000 | 1,981 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 1,126 |
| Cost of funding earning assets | 0.6606% | 1,931 |
| Net interest margin | 3.9224% | 1,156 |
| Noninterest income to average assets | 0.1438% | 4,577 |
| Noninterest expense to average assets | 2.3351% | 3,309 |
| Loan and lease loss provision to assets | 0.4038% | 773 |
| Net operating income to assets | 0.8309% | 2,979 |
| Return on assets (ROA) | 0.8309% | 3,102 |
| Pretax return on assets | 1.1541% | 2,502 |
| Return on Equity (ROE) | 9.2018% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.2018% | 728 |
| Net charge-offs to loans | 0.0503% | 2,074 |
| Credit loss provision to net charge-offs | 937.6147% | 815 |
| Earnings coverage of net charge-offs (x) | 36.1743% | 1,460 |
| Efficiency ratio | 59.6164% | 3,503 |
| Assets per employee ($millions) | 7.6097% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,815 |
| Loan loss allowance to noncurrent loans | 829.1066% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 3,072 |
| Noncurrent loans to loans | 0.1478% | 3,694 |
| Net loans and leases to total assets | 82.3480% | 270 |
| Net loans and leases to deposits | 97.7215% | 472 |
| Net loans and leases to core deposits | 107.1492% | 599 |
| Total domestic deposits to total assets | 84.2680% | 3,026 |
| Equity capital to assets | 8.4252% | 4,495 |
| Core capital (leverage) ratio | 7.7363% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4124% | 2,482 |
| Memoranda: | ||
| Average total assets | $253,095,200 | 2,559 |
| Average earning assets | $241,915,400 | 2,516 |
| Average equity | $22,854,200 | 2,949 |
| Average total loans | $216,778,000 | 2,124 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 742 |
| Cost of funding earning assets | 0.7180% | 1,919 |
| Net interest margin | 4.1721% | 777 |
| Noninterest income to average assets | 0.1485% | 4,560 |
| Noninterest expense to average assets | 2.4229% | 3,073 |
| Loan and lease loss provision to assets | 0.5541% | 488 |
| Net operating income to assets | 0.8337% | 2,971 |
| Return on assets (ROA) | 0.8337% | 3,097 |
| Pretax return on assets | 1.1562% | 2,543 |
| Return on Equity (ROE) | 9.0586% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.0586% | 962 |
| Net charge-offs to loans | 0.0986% | 1,325 |
| Credit loss provision to net charge-offs | 650.9554% | 1,117 |
| Earnings coverage of net charge-offs (x) | 20.0955% | 1,916 |
| Efficiency ratio | 58.2689% | 3,629 |
| Assets per employee ($millions) | 7.3395% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 2,820 |
| Loan loss allowance to noncurrent loans | 2,886.7347% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 3,568 |
| Noncurrent loans to loans | 0.0406% | 4,228 |
| Net loans and leases to total assets | 90.1848% | 34 |
| Net loans and leases to deposits | 109.4299% | 237 |
| Net loans and leases to core deposits | 121.7699% | 378 |
| Total domestic deposits to total assets | 82.4133% | 3,310 |
| Equity capital to assets | 8.7589% | 4,285 |
| Core capital (leverage) ratio | 7.9275% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0277% | 2,602 |
| Memoranda: | ||
| Average total assets | $245,979,000 | 2,590 |
| Average earning assets | $234,920,500 | 2,544 |
| Average equity | $22,637,250 | 2,966 |
| Average total loans | $212,288,500 | 2,151 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 442 |
| Cost of funding earning assets | 0.7769% | 1,956 |
| Net interest margin | 4.5748% | 429 |
| Noninterest income to average assets | 0.1442% | 4,584 |
| Noninterest expense to average assets | 2.5828% | 2,723 |
| Loan and lease loss provision to assets | 0.8520% | 271 |
| Net operating income to assets | 0.7803% | 3,108 |
| Return on assets (ROA) | 0.7803% | 3,224 |
| Pretax return on assets | 1.0788% | 2,779 |
| Return on Equity (ROE) | 8.3316% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.3316% | 1,216 |
| Net charge-offs to loans | 0.1085% | 1,209 |
| Credit loss provision to net charge-offs | 929.0909% | 830 |
| Earnings coverage of net charge-offs (x) | 21.0545% | 1,665 |
| Efficiency ratio | 56.8895% | 3,835 |
| Assets per employee ($millions) | 7.2119% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,215 |
| Loan loss allowance to noncurrent loans | 1,482.4742% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,510 |
| Noncurrent loans to loans | 0.0848% | 4,119 |
| Net loans and leases to total assets | 84.6214% | 212 |
| Net loans and leases to deposits | 107.0131% | 292 |
| Net loans and leases to core deposits | 119.6662% | 429 |
| Total domestic deposits to total assets | 79.0758% | 4,028 |
| Equity capital to assets | 8.4410% | 4,510 |
| Core capital (leverage) ratio | 8.1841% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2960% | 2,485 |
| Memoranda: | ||
| Average total assets | $239,897,667 | 2,610 |
| Average earning assets | $229,126,667 | 2,559 |
| Average equity | $22,468,667 | 2,964 |
| Average total loans | $202,678,667 | 2,202 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,606 |
| Cost of funding earning assets | 0.8573% | 2,075 |
| Net interest margin | 3.5458% | 2,830 |
| Noninterest income to average assets | 0.1590% | 4,578 |
| Noninterest expense to average assets | 2.6304% | 2,890 |
| Loan and lease loss provision to assets | 0.1802% | 1,657 |
| Net operating income to assets | 0.5353% | 3,787 |
| Return on assets (ROA) | 0.5353% | 3,850 |
| Pretax return on assets | 0.7314% | 3,591 |
| Return on Equity (ROE) | 5.4008% | 3,507 |
| Retained earnings to average equity (ytd only) | 5.4008% | 2,115 |
| Net charge-offs to loans | 0.0127% | 2,132 |
| Credit loss provision to net charge-offs | 1,700.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 644 |
| Efficiency ratio | 73.8155% | 1,847 |
| Assets per employee ($millions) | 5.8882% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,405 |
| Loan loss allowance to noncurrent loans | 282.5789% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,168 |
| Noncurrent loans to loans | 0.3751% | 3,138 |
| Net loans and leases to total assets | 83.7271% | 287 |
| Net loans and leases to deposits | 104.5372% | 345 |
| Net loans and leases to core deposits | 119.1404% | 494 |
| Total domestic deposits to total assets | 80.0931% | 3,838 |
| Equity capital to assets | 9.8250% | 3,937 |
| Core capital (leverage) ratio | 9.1809% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9383% | 2,736 |
| Memoranda: | ||
| Average total assets | $226,427,000 | 2,661 |
| Average earning assets | $216,033,000 | 2,605 |
| Average equity | $22,441,000 | 2,966 |
| Average total loans | $189,678,500 | 2,263 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 2,631 |
| Cost of funding earning assets | 0.7594% | 2,874 |
| Net interest margin | 3.8361% | 2,383 |
| Noninterest income to average assets | 0.2225% | 4,335 |
| Noninterest expense to average assets | 2.7948% | 2,616 |
| Loan and lease loss provision to assets | 0.1324% | 1,611 |
| Net operating income to assets | 0.7088% | 3,847 |
| Return on assets (ROA) | 0.7088% | 3,909 |
| Pretax return on assets | 0.9377% | 3,636 |
| Return on Equity (ROE) | 6.6481% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.6481% | 1,543 |
| Net charge-offs to loans | 0.0018% | 3,649 |
| Credit loss provision to net charge-offs | 8,966.6667% | 51 |
| Earnings coverage of net charge-offs (x) | 724.6667% | 141 |
| Efficiency ratio | 71.8543% | 1,888 |
| Assets per employee ($millions) | 5.4443% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,163 |
| Loan loss allowance to noncurrent loans | 495.9596% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,766 |
| Noncurrent loans to loans | 0.2140% | 3,691 |
| Net loans and leases to total assets | 82.0120% | 558 |
| Net loans and leases to deposits | 102.3562% | 454 |
| Net loans and leases to core deposits | 116.8045% | 569 |
| Total domestic deposits to total assets | 80.1241% | 3,955 |
| Equity capital to assets | 9.9993% | 3,918 |
| Core capital (leverage) ratio | 9.3237% | 4,255 |
| Tier 1 risk-based capital ratio | 12.0966% | 4,309 |
| Total risk-based capital ratio | 13.2834% | 4,215 |
| Memoranda: | ||
| Average total assets | $203,161,200 | 2,816 |
| Average earning assets | $192,904,200 | 2,773 |
| Average equity | $21,660,400 | 2,989 |
| Average total loans | $169,266,000 | 2,417 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 2,689 |
| Cost of funding earning assets | 0.7218% | 3,108 |
| Net interest margin | 3.8893% | 2,294 |
| Noninterest income to average assets | 0.2416% | 4,293 |
| Noninterest expense to average assets | 2.7359% | 2,764 |
| Loan and lease loss provision to assets | 0.1231% | 1,586 |
| Net operating income to assets | 0.7503% | 3,849 |
| Return on assets (ROA) | 0.7503% | 3,911 |
| Pretax return on assets | 1.0699% | 3,376 |
| Return on Equity (ROE) | 6.9160% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.9160% | 1,904 |
| Net charge-offs to loans | 0.0016% | 3,391 |
| Credit loss provision to net charge-offs | 9,150.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 885.3708% | 108 |
| Efficiency ratio | 69.1728% | 2,230 |
| Assets per employee ($millions) | 5.3161% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,225 |
| Loan loss allowance to noncurrent loans | 463.9506% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,806 |
| Noncurrent loans to loans | 0.2287% | 3,728 |
| Net loans and leases to total assets | 82.4092% | 517 |
| Net loans and leases to deposits | 104.0111% | 415 |
| Net loans and leases to core deposits | 118.6902% | 571 |
| Total domestic deposits to total assets | 79.2311% | 4,139 |
| Equity capital to assets | 10.3351% | 3,686 |
| Core capital (leverage) ratio | 9.7059% | 3,962 |
| Tier 1 risk-based capital ratio | 12.4317% | 4,184 |
| Total risk-based capital ratio | 13.6292% | 4,089 |
| Memoranda: | ||
| Average total assets | $198,147,750 | 2,878 |
| Average earning assets | $187,858,750 | 2,840 |
| Average equity | $21,495,500 | 3,023 |
| Average total loans | $165,325,750 | 2,478 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 2,681 |
| Cost of funding earning assets | 0.6841% | 3,254 |
| Net interest margin | 3.9145% | 2,201 |
| Noninterest income to average assets | 0.2307% | 4,373 |
| Noninterest expense to average assets | 2.7923% | 2,611 |
| Loan and lease loss provision to assets | 0.0745% | 2,327 |
| Net operating income to assets | 1.0698% | 2,652 |
| Return on assets (ROA) | 1.0698% | 2,712 |
| Pretax return on assets | 1.0698% | 3,323 |
| Return on Equity (ROE) | 9.6930% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.6930% | 850 |
| Net charge-offs to loans | 0.0012% | 3,136 |
| Credit loss provision to net charge-offs | 7,200.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,106.0000% | 61 |
| Efficiency ratio | 70.4599% | 2,155 |
| Assets per employee ($millions) | 5.0757% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 3,294 |
| Loan loss allowance to noncurrent loans | 534.4411% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,934 |
| Noncurrent loans to loans | 0.1979% | 3,839 |
| Net loans and leases to total assets | 83.5986% | 399 |
| Net loans and leases to deposits | 109.5963% | 228 |
| Net loans and leases to core deposits | 114.7726% | 741 |
| Total domestic deposits to total assets | 76.2787% | 4,639 |
| Equity capital to assets | 11.0683% | 2,976 |
| Core capital (leverage) ratio | 10.0266% | 3,560 |
| Tier 1 risk-based capital ratio | 13.4963% | 3,584 |
| Total risk-based capital ratio | 14.7259% | 3,495 |
| Memoranda: | ||
| Average total assets | $193,315,330 | 2,931 |
| Average earning assets | $183,013,330 | 2,889 |
| Average equity | $21,335,000 | 3,031 |
| Average total loans | $161,395,000 | 2,521 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,727 |
| Cost of funding earning assets | 0.6555% | 3,293 |
| Net interest margin | 3.8864% | 2,235 |
| Noninterest income to average assets | 0.2325% | 4,349 |
| Noninterest expense to average assets | 2.8147% | 2,521 |
| Loan and lease loss provision to assets | 0.1278% | 1,366 |
| Net operating income to assets | 0.9655% | 2,989 |
| Return on assets (ROA) | 0.9655% | 3,028 |
| Pretax return on assets | 0.9655% | 3,565 |
| Return on Equity (ROE) | 8.7611% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.7611% | 1,399 |
| Net charge-offs to loans | 0.0025% | 2,660 |
| Credit loss provision to net charge-offs | 6,100.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 138 |
| Efficiency ratio | 71.5434% | 2,108 |
| Assets per employee ($millions) | 4.7608% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,204 |
| Loan loss allowance to noncurrent loans | 445.0633% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,784 |
| Noncurrent loans to loans | 0.2438% | 3,692 |
| Net loans and leases to total assets | 84.1469% | 359 |
| Net loans and leases to deposits | 112.9412% | 163 |
| Net loans and leases to core deposits | 116.9258% | 618 |
| Total domestic deposits to total assets | 74.5051% | 4,892 |
| Equity capital to assets | 11.1920% | 2,664 |
| Core capital (leverage) ratio | 10.0831% | 3,511 |
| Tier 1 risk-based capital ratio | 13.2243% | 3,757 |
| Total risk-based capital ratio | 14.4542% | 3,676 |
| Memoranda: | ||
| Average total assets | $190,996,500 | 2,987 |
| Average earning assets | $180,628,500 | 2,943 |
| Average equity | $21,047,500 | 3,065 |
| Average total loans | $158,465,000 | 2,579 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,456 |
| Cost of funding earning assets | 0.5786% | 2,864 |
| Net interest margin | 3.9224% | 2,253 |
| Noninterest income to average assets | 0.2314% | 4,526 |
| Noninterest expense to average assets | 2.9185% | 2,286 |
| Loan and lease loss provision to assets | 0.1407% | 1,530 |
| Net operating income to assets | 1.3196% | 1,720 |
| Return on assets (ROA) | 1.3196% | 1,712 |
| Pretax return on assets | 0.8816% | 3,944 |
| Return on Equity (ROE) | 12.8762% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.8762% | 244 |
| Net charge-offs to loans | 0.1117% | 1,635 |
| Credit loss provision to net charge-offs | 156.0000% | 1,780 |
| Earnings coverage of net charge-offs (x) | 11.3371% | 2,631 |
| Efficiency ratio | 73.5879% | 1,687 |
| Assets per employee ($millions) | 5.6342% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,125 |
| Loan loss allowance to noncurrent loans | 975.8621% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 4,364 |
| Noncurrent loans to loans | 0.1123% | 4,228 |
| Net loans and leases to total assets | 79.9909% | 945 |
| Net loans and leases to deposits | 106.5680% | 345 |
| Net loans and leases to core deposits | 111.3774% | 913 |
| Total domestic deposits to total assets | 75.0609% | 4,864 |
| Equity capital to assets | 10.8487% | 2,847 |
| Core capital (leverage) ratio | 9.4143% | 4,222 |
| Tier 1 risk-based capital ratio | 13.2853% | 3,668 |
| Total risk-based capital ratio | 14.5092% | 3,571 |
| Memoranda: | ||
| Average total assets | $194,075,600 | 2,923 |
| Average earning assets | $183,534,400 | 2,881 |
| Average equity | $19,889,400 | 3,100 |
| Average total loans | $156,726,200 | 2,558 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 2,475 |
| Cost of funding earning assets | 0.5702% | 2,705 |
| Net interest margin | 3.8750% | 2,391 |
| Noninterest income to average assets | 0.2274% | 4,610 |
| Noninterest expense to average assets | 2.9946% | 2,034 |
| Loan and lease loss provision to assets | 0.1643% | 1,157 |
| Net operating income to assets | 1.3175% | 1,784 |
| Return on assets (ROA) | 1.3175% | 1,791 |
| Pretax return on assets | 0.7355% | 4,456 |
| Return on Equity (ROE) | 13.0440% | 1,419 |
| Retained earnings to average equity (ytd only) | 13.0440% | 355 |
| Net charge-offs to loans | 0.1485% | 1,111 |
| Credit loss provision to net charge-offs | 137.1429% | 1,831 |
| Earnings coverage of net charge-offs (x) | 7.5085% | 2,801 |
| Efficiency ratio | 76.4199% | 1,299 |
| Assets per employee ($millions) | 5.3003% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,473 |
| Loan loss allowance to noncurrent loans | 935.3933% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,530 |
| Noncurrent loans to loans | 0.1121% | 4,390 |
| Net loans and leases to total assets | 78.0378% | 1,342 |
| Net loans and leases to deposits | 102.1373% | 640 |
| Net loans and leases to core deposits | 105.8631% | 1,318 |
| Total domestic deposits to total assets | 76.4048% | 4,743 |
| Equity capital to assets | 10.1961% | 3,458 |
| Core capital (leverage) ratio | 9.1274% | 4,590 |
| Tier 1 risk-based capital ratio | 12.7314% | 4,065 |
| Total risk-based capital ratio | 13.8969% | 4,013 |
| Memoranda: | ||
| Average total assets | $194,703,750 | 2,941 |
| Average earning assets | $184,253,750 | 2,901 |
| Average equity | $19,666,250 | 3,138 |
| Average total loans | $157,175,000 | 2,569 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,299 |
| Cost of funding earning assets | 0.5864% | 2,322 |
| Net interest margin | 3.8494% | 2,384 |
| Noninterest income to average assets | 0.2182% | 4,716 |
| Noninterest expense to average assets | 3.1216% | 1,733 |
| Loan and lease loss provision to assets | 0.2276% | 712 |
| Net operating income to assets | 1.3883% | 1,483 |
| Return on assets (ROA) | 1.3883% | 1,483 |
| Pretax return on assets | 0.5050% | 4,895 |
| Return on Equity (ROE) | 13.7900% | 1,132 |
| Retained earnings to average equity (ytd only) | 13.7900% | 298 |
| Net charge-offs to loans | 0.2235% | 716 |
| Credit loss provision to net charge-offs | 125.1429% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.0286% | 2,829 |
| Efficiency ratio | 80.5069% | 958 |
| Assets per employee ($millions) | 5.1345% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,633 |
| Loan loss allowance to noncurrent loans | 918.4358% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,568 |
| Noncurrent loans to loans | 0.1125% | 4,403 |
| Net loans and leases to total assets | 78.6721% | 1,213 |
| Net loans and leases to deposits | 104.1071% | 521 |
| Net loans and leases to core deposits | 108.7324% | 1,071 |
| Total domestic deposits to total assets | 75.5684% | 4,895 |
| Equity capital to assets | 9.9613% | 3,663 |
| Core capital (leverage) ratio | 9.4338% | 4,194 |
| Tier 1 risk-based capital ratio | 12.0587% | 4,459 |
| Total risk-based capital ratio | 13.1858% | 4,413 |
| Memoranda: | ||
| Average total assets | $192,468,330 | 2,983 |
| Average earning assets | $181,794,330 | 2,943 |
| Average equity | $19,376,330 | 3,185 |
| Average total loans | $156,619,670 | 2,591 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 4,598 |
| Cost of funding earning assets | 0.2000% | 5,016 |
| Net interest margin | 3.4482% | 3,711 |
| Noninterest income to average assets | 0.1999% | 4,827 |
| Noninterest expense to average assets | 2.8944% | 2,387 |
| Loan and lease loss provision to assets | 0.1999% | 838 |
| Net operating income to assets | 0.2521% | 5,177 |
| Return on assets (ROA) | 0.2521% | 5,177 |
| Pretax return on assets | 0.2521% | 5,215 |
| Return on Equity (ROE) | 2.0007% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.0007% | 4,348 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1558% | 785 |
| Assets per employee ($millions) | 6.6144% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 5,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.4652% | 3,797 |
| Net loans and leases to deposits | 68.0853% | 3,938 |
| Net loans and leases to core deposits | 68.0853% | 4,216 |
| Total domestic deposits to total assets | 87.3394% | 1,987 |
| Equity capital to assets | 12.5570% | 1,446 |
| Core capital (leverage) ratio | 9.6172% | 3,944 |
| Tier 1 risk-based capital ratio | 15.2138% | 2,781 |
| Total risk-based capital ratio | 15.8299% | 2,984 |
| Memoranda: | ||
| Average total assets | $46,020,500 | 5,185 |
| Average earning assets | $41,993,500 | 5,188 |
| Average equity | $5,798,000 | 5,087 |
| Average total loans | $28,270,000 | 5,015 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6181% | 5,523 |
| Cost of funding earning assets | 0.1114% | 5,450 |
| Net interest margin | 2.5068% | 5,407 |
| Noninterest income to average assets | 0.1479% | 5,210 |
| Noninterest expense to average assets | 1.9582% | 5,027 |
| Loan and lease loss provision to assets | 0.2570% | 720 |
| Net operating income to assets | 0.2219% | 5,064 |
| Return on assets (ROA) | 0.2219% | 5,085 |
| Pretax return on assets | 0.2219% | 5,289 |
| Return on Equity (ROE) | 0.8671% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.8671% | 4,685 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4522% | 1,288 |
| Assets per employee ($millions) | 5.7175% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4819% | 5,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.7591% | 3,515 |
| Net loans and leases to deposits | 72.0912% | 3,694 |
| Net loans and leases to core deposits | 72.0912% | 4,041 |
| Total domestic deposits to total assets | 87.0551% | 1,967 |
| Equity capital to assets | 12.6410% | 1,433 |
| Core capital (leverage) ratio | 9.2402% | 4,357 |
| Tier 1 risk-based capital ratio | 14.6036% | 3,039 |
| Total risk-based capital ratio | 15.1075% | 3,350 |
| Memoranda: | ||
| Average total assets | $54,080,000 | 5,077 |
| Average earning assets | $49,386,200 | 5,076 |
| Average equity | $13,838,800 | 3,864 |
| Average total loans | $30,199,600 | 5,020 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1936% | 5,664 |
| Cost of funding earning assets | 0.0884% | 5,596 |
| Net interest margin | 2.1052% | 5,620 |
| Noninterest income to average assets | 0.1258% | 5,373 |
| Noninterest expense to average assets | 1.7282% | 5,344 |
| Loan and lease loss provision to assets | 0.2065% | 915 |
| Net operating income to assets | 0.1139% | 5,436 |
| Return on assets (ROA) | 0.1139% | 5,446 |
| Pretax return on assets | 0.1139% | 5,453 |
| Return on Equity (ROE) | 0.4037% | 5,489 |
| Retained earnings to average equity (ytd only) | 0.4037% | 5,128 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5029% | 875 |
| Assets per employee ($millions) | 5.9186% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2833% | 5,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.6645% | 3,302 |
| Net loans and leases to deposits | 73.8174% | 3,593 |
| Net loans and leases to core deposits | 73.8174% | 3,990 |
| Total domestic deposits to total assets | 87.6006% | 1,579 |
| Equity capital to assets | 12.1460% | 1,876 |
| Core capital (leverage) ratio | 8.9193% | 4,838 |
| Tier 1 risk-based capital ratio | 13.1192% | 3,929 |
| Total risk-based capital ratio | 13.4082% | 4,416 |
| Memoranda: | ||
| Average total assets | $56,165,000 | 5,098 |
| Average earning assets | $51,299,250 | 5,098 |
| Average equity | $15,853,000 | 3,648 |
| Average total loans | $30,538,250 | 5,062 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5244% | 5,748 |
| Cost of funding earning assets | 0.0555% | 5,712 |
| Net interest margin | 1.4689% | 5,738 |
| Noninterest income to average assets | 0.0812% | 5,570 |
| Noninterest expense to average assets | 1.2520% | 5,691 |
| Loan and lease loss provision to assets | 0.1455% | 1,401 |
| Net operating income to assets | 0.0271% | 5,539 |
| Return on assets (ROA) | 0.0271% | 5,541 |
| Pretax return on assets | 0.0271% | 5,539 |
| Return on Equity (ROE) | 0.0832% | 5,549 |
| Retained earnings to average equity (ytd only) | 0.0832% | 5,054 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2233% | 676 |
| Assets per employee ($millions) | 4.0868% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1297% | 5,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.6626% | 1,933 |
| Net loans and leases to deposits | 85.7613% | 2,248 |
| Net loans and leases to core deposits | 85.7613% | 2,905 |
| Total domestic deposits to total assets | 85.8926% | 2,420 |
| Equity capital to assets | 12.6593% | 1,540 |
| Core capital (leverage) ratio | 8.9211% | 4,813 |
| Tier 1 risk-based capital ratio | 11.8526% | 4,727 |
| Total risk-based capital ratio | 11.9832% | 5,295 |
| Memoranda: | ||
| Average total assets | $59,103,670 | 5,074 |
| Average earning assets | $54,054,000 | 5,084 |
| Average equity | $19,220,330 | 3,250 |
| Average total loans | $30,482,670 | 5,094 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 5,058 |
| Cost of funding earning assets | 0.1576% | 5,317 |
| Net interest margin | 3.1727% | 4,427 |
| Noninterest income to average assets | 0.7314% | 1,819 |
| Noninterest expense to average assets | 3.8321% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1813% | 5,672 |
| Return on assets (ROA) | -0.0786% | 5,645 |
| Pretax return on assets | -0.0786% | 5,633 |
| Return on Equity (ROE) | -0.2001% | 5,624 |
| Retained earnings to average equity (ytd only) | -0.2001% | 4,951 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4702% | 171 |
| Assets per employee ($millions) | 4.7798% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 4,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6047% | 432 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.4942% | 5,068 |
| Net loans and leases to deposits | 71.5058% | 3,656 |
| Net loans and leases to core deposits | 71.5058% | 4,029 |
| Total domestic deposits to total assets | 60.8261% | 5,766 |
| Equity capital to assets | 38.8167% | 46 |
| Core capital (leverage) ratio | 39.9850% | 45 |
| Tier 1 risk-based capital ratio | 75.0212% | 57 |
| Total risk-based capital ratio | 75.9337% | 57 |
| Memoranda: | ||
| Average total assets | $66,178,000 | 4,979 |
| Average earning assets | $60,894,500 | 4,973 |
| Average equity | $25,985,000 | 2,642 |
| Average total loans | $29,145,000 | 5,191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 689 |
| Cost of funding earning assets | 0.1813% | 5,198 |
| Net interest margin | 4.7473% | 387 |
| Noninterest income to average assets | 3.3971% | 171 |
| Noninterest expense to average assets | 4.8672% | 278 |
| Loan and lease loss provision to assets | -0.5998% | 5,888 |
| Net operating income to assets | 3.4588% | 64 |
| Return on assets (ROA) | 3.4588% | 66 |
| Pretax return on assets | 3.4588% | 86 |
| Return on Equity (ROE) | 9.1363% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.1363% | 563 |
| Net charge-offs to loans | -0.0183% | 5,100 |
| Credit loss provision to net charge-offs | 7,980.0000% | 61 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1984% | 4,218 |
| Assets per employee ($millions) | 4.3626% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9478% | 350 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 43.6758% | 5,130 |
| Net loans and leases to deposits | 73.1964% | 3,594 |
| Net loans and leases to core deposits | 73.1964% | 3,989 |
| Total domestic deposits to total assets | 59.6693% | 5,827 |
| Equity capital to assets | 39.7240% | 47 |
| Core capital (leverage) ratio | 38.9976% | 48 |
| Tier 1 risk-based capital ratio | 74.6900% | 55 |
| Total risk-based capital ratio | 75.6010% | 56 |
| Memoranda: | ||
| Average total assets | $66,526,600 | 4,998 |
| Average earning assets | $60,666,400 | 5,003 |
| Average equity | $25,185,200 | 2,699 |
| Average total loans | $27,389,800 | 5,289 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 242 |
| Cost of funding earning assets | 0.1862% | 5,210 |
| Net interest margin | 5.3233% | 144 |
| Noninterest income to average assets | 4.4112% | 139 |
| Noninterest expense to average assets | 5.0858% | 252 |
| Loan and lease loss provision to assets | -0.7964% | 5,962 |
| Net operating income to assets | 4.9720% | 34 |
| Return on assets (ROA) | 4.9720% | 35 |
| Pretax return on assets | 4.9720% | 52 |
| Return on Equity (ROE) | 13.2942% | 972 |
| Retained earnings to average equity (ytd only) | 13.2942% | 206 |
| Net charge-offs to loans | -0.0099% | 4,765 |
| Credit loss provision to net charge-offs | 19,950.0000% | 22 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2457% | 5,219 |
| Assets per employee ($millions) | 4.1894% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8778% | 419 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.3221% | 5,416 |
| Net loans and leases to deposits | 65.2814% | 4,402 |
| Net loans and leases to core deposits | 65.2814% | 4,651 |
| Total domestic deposits to total assets | 60.2348% | 5,888 |
| Equity capital to assets | 39.0804% | 47 |
| Core capital (leverage) ratio | 40.4634% | 45 |
| Tier 1 risk-based capital ratio | 79.9270% | 54 |
| Total risk-based capital ratio | 80.8919% | 56 |
| Memoranda: | ||
| Average total assets | $66,798,500 | 5,039 |
| Average earning assets | $60,862,500 | 5,043 |
| Average equity | $24,982,750 | 2,740 |
| Average total loans | $27,016,500 | 5,347 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 1,146 |
| Cost of funding earning assets | 0.1979% | 5,169 |
| Net interest margin | 4.4616% | 668 |
| Noninterest income to average assets | 4.7451% | 132 |
| Noninterest expense to average assets | 5.4795% | 212 |
| Loan and lease loss provision to assets | -1.1960% | 6,046 |
| Net operating income to assets | 4.5173% | 41 |
| Return on assets (ROA) | 4.5173% | 41 |
| Pretax return on assets | 4.5173% | 57 |
| Return on Equity (ROE) | 12.2628% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.2628% | 291 |
| Net charge-offs to loans | -0.0147% | 4,833 |
| Credit loss provision to net charge-offs | 19,950.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5463% | 4,415 |
| Assets per employee ($millions) | 3.8973% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 4,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0188% | 224 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 44.1859% | 5,218 |
| Net loans and leases to deposits | 74.9578% | 3,484 |
| Net loans and leases to core deposits | 74.9578% | 3,911 |
| Total domestic deposits to total assets | 58.9477% | 5,978 |
| Equity capital to assets | 40.4574% | 46 |
| Core capital (leverage) ratio | 38.8472% | 47 |
| Tier 1 risk-based capital ratio | 72.0986% | 65 |
| Total risk-based capital ratio | 73.0007% | 65 |
| Memoranda: | ||
| Average total assets | $66,721,000 | 5,088 |
| Average earning assets | $60,650,330 | 5,094 |
| Average equity | $24,578,330 | 2,780 |
| Average total loans | $27,136,330 | 5,401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 1,135 |
| Cost of funding earning assets | 0.2102% | 5,103 |
| Net interest margin | 4.4453% | 673 |
| Noninterest income to average assets | 8.8704% | 68 |
| Noninterest expense to average assets | 6.6528% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 6.2697% | 31 |
| Return on assets (ROA) | 6.2697% | 30 |
| Pretax return on assets | 6.2697% | 40 |
| Return on Equity (ROE) | 17.8119% | 373 |
| Retained earnings to average equity (ytd only) | 17.8119% | 132 |
| Net charge-offs to loans | -0.0149% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0332% | 5,564 |
| Assets per employee ($millions) | 4.1686% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.7813% | 275 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.0782% | 5,504 |
| Net loans and leases to deposits | 62.8988% | 4,514 |
| Net loans and leases to core deposits | 65.6756% | 4,555 |
| Total domestic deposits to total assets | 62.1287% | 6,022 |
| Equity capital to assets | 37.1996% | 50 |
| Core capital (leverage) ratio | 35.5545% | 52 |
| Tier 1 risk-based capital ratio | 74.4097% | 58 |
| Total risk-based capital ratio | 75.6711% | 58 |
| Memoranda: | ||
| Average total assets | $68,903,000 | 5,094 |
| Average earning assets | $62,807,500 | 5,100 |
| Average equity | $24,253,500 | 2,813 |
| Average total loans | $26,778,500 | 5,456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 529 |
| Cost of funding earning assets | 0.2922% | 4,343 |
| Net interest margin | 4.7970% | 376 |
| Noninterest income to average assets | 0.6761% | 2,313 |
| Noninterest expense to average assets | 3.7989% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2636% | 1,355 |
| Return on assets (ROA) | 1.2636% | 1,404 |
| Pretax return on assets | 1.2636% | 2,420 |
| Return on Equity (ROE) | 3.9610% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.9610% | 3,215 |
| Net charge-offs to loans | -0.0215% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9365% | 2,591 |
| Assets per employee ($millions) | 4.1829% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 355 |
| Loan loss allowance to noncurrent loans | 149.6774% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 4.8334% | 185 |
| Noncurrent loans to loans | 1.7353% | 1,297 |
| Net loans and leases to total assets | 36.7042% | 5,680 |
| Net loans and leases to deposits | 60.3008% | 4,754 |
| Net loans and leases to core deposits | 62.4686% | 4,849 |
| Total domestic deposits to total assets | 60.8685% | 6,082 |
| Equity capital to assets | 33.3235% | 56 |
| Core capital (leverage) ratio | 32.5447% | 56 |
| Tier 1 risk-based capital ratio | 69.6325% | 69 |
| Total risk-based capital ratio | 70.8942% | 69 |
| Memoranda: | ||
| Average total assets | $73,364,000 | 5,004 |
| Average earning assets | $67,084,000 | 5,011 |
| Average equity | $23,403,400 | 2,845 |
| Average total loans | $27,869,200 | 5,445 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 445 |
| Cost of funding earning assets | 0.3073% | 4,251 |
| Net interest margin | 4.8867% | 314 |
| Noninterest income to average assets | 0.7088% | 2,195 |
| Noninterest expense to average assets | 3.7874% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3959% | 1,115 |
| Return on assets (ROA) | 1.3959% | 1,166 |
| Pretax return on assets | 1.3959% | 2,034 |
| Return on Equity (ROE) | 4.4233% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.4233% | 3,321 |
| Net charge-offs to loans | -0.0284% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9903% | 2,883 |
| Assets per employee ($millions) | 4.2668% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6088% | 376 |
| Loan loss allowance to noncurrent loans | 181.7232% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 4.6626% | 227 |
| Noncurrent loans to loans | 1.4356% | 1,754 |
| Net loans and leases to total assets | 35.8213% | 5,789 |
| Net loans and leases to deposits | 57.4362% | 5,041 |
| Net loans and leases to core deposits | 59.7489% | 5,084 |
| Total domestic deposits to total assets | 62.3671% | 6,155 |
| Equity capital to assets | 32.6187% | 59 |
| Core capital (leverage) ratio | 32.9263% | 56 |
| Tier 1 risk-based capital ratio | 68.4851% | 74 |
| Total risk-based capital ratio | 69.7463% | 74 |
| Memoranda: | ||
| Average total assets | $73,927,750 | 5,053 |
| Average earning assets | $67,693,000 | 5,050 |
| Average equity | $23,330,250 | 2,875 |
| Average total loans | $28,137,500 | 5,501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 223 |
| Cost of funding earning assets | 0.3197% | 4,161 |
| Net interest margin | 5.2972% | 162 |
| Noninterest income to average assets | 0.7151% | 2,150 |
| Noninterest expense to average assets | 3.8149% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7556% | 562 |
| Return on assets (ROA) | 1.7556% | 588 |
| Pretax return on assets | 1.7556% | 965 |
| Return on Equity (ROE) | 5.6244% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,450 |
| Net charge-offs to loans | -0.0279% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4710% | 3,749 |
| Assets per employee ($millions) | 4.2338% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 587 |
| Loan loss allowance to noncurrent loans | 103.5821% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 4.8809% | 238 |
| Noncurrent loans to loans | 2.2737% | 1,041 |
| Net loans and leases to total assets | 39.9783% | 5,634 |
| Net loans and leases to deposits | 64.1818% | 4,513 |
| Net loans and leases to core deposits | 64.1818% | 4,794 |
| Total domestic deposits to total assets | 62.2892% | 6,225 |
| Equity capital to assets | 32.7049% | 59 |
| Core capital (leverage) ratio | 32.5064% | 59 |
| Tier 1 risk-based capital ratio | 62.8290% | 92 |
| Total risk-based capital ratio | 64.0876% | 92 |
| Memoranda: | ||
| Average total assets | $74,392,000 | 5,093 |
| Average earning assets | $68,186,330 | 5,092 |
| Average equity | $23,220,330 | 2,896 |
| Average total loans | $28,623,670 | 5,532 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1884% | 105 |
| Cost of funding earning assets | 0.3393% | 3,992 |
| Net interest margin | 5.8490% | 82 |
| Noninterest income to average assets | 0.5079% | 3,233 |
| Noninterest expense to average assets | 3.7671% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1217% | 270 |
| Return on assets (ROA) | 2.1217% | 288 |
| Pretax return on assets | 2.1217% | 461 |
| Return on Equity (ROE) | 6.9555% | 3,531 |
| Retained earnings to average equity (ytd only) | 6.9555% | 2,029 |
| Net charge-offs to loans | 0.0142% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 137 |
| Efficiency ratio | 63.0728% | 4,621 |
| Assets per employee ($millions) | 4.2476% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 583 |
| Loan loss allowance to noncurrent loans | 239.2361% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 4.4884% | 301 |
| Noncurrent loans to loans | 1.0167% | 2,731 |
| Net loans and leases to total assets | 38.2736% | 5,710 |
| Net loans and leases to deposits | 61.0547% | 4,658 |
| Net loans and leases to core deposits | 61.0547% | 4,911 |
| Total domestic deposits to total assets | 62.6875% | 6,297 |
| Equity capital to assets | 32.2439% | 62 |
| Core capital (leverage) ratio | 30.7440% | 66 |
| Tier 1 risk-based capital ratio | 62.2951% | 103 |
| Total risk-based capital ratio | 63.5517% | 102 |
| Memoranda: | ||
| Average total assets | $75,601,000 | 5,117 |
| Average earning assets | $69,550,000 | 5,103 |
| Average equity | $23,061,000 | 2,927 |
| Average total loans | $28,201,500 | 5,584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7780% | 47 |
| Cost of funding earning assets | 0.4159% | 3,526 |
| Net interest margin | 7.3621% | 42 |
| Noninterest income to average assets | 7.6159% | 87 |
| Noninterest expense to average assets | 7.9445% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 6.3116% | 32 |
| Return on assets (ROA) | 6.3116% | 32 |
| Pretax return on assets | 6.3178% | 44 |
| Return on Equity (ROE) | 21.4930% | 190 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,533 |
| Net charge-offs to loans | -0.1709% | 6,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3477% | 5,730 |
| Assets per employee ($millions) | 4.6466% | 2,802 |
| Cash dividends to net income (ytd only)* | 76.3209% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 588 |
| Loan loss allowance to noncurrent loans | 232.3232% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 4.3282% | 369 |
| Noncurrent loans to loans | 1.0578% | 2,707 |
| Net loans and leases to total assets | 34.6702% | 6,010 |
| Net loans and leases to deposits | 52.2573% | 5,462 |
| Net loans and leases to core deposits | 52.2573% | 5,601 |
| Total domestic deposits to total assets | 66.3451% | 6,317 |
| Equity capital to assets | 28.9127% | 69 |
| Core capital (leverage) ratio | 27.7359% | 73 |
| Tier 1 risk-based capital ratio | 63.3565% | 83 |
| Total risk-based capital ratio | 64.5613% | 83 |
| Memoranda: | ||
| Average total assets | $80,962,000 | 5,040 |
| Average earning assets | $73,091,000 | 5,066 |
| Average equity | $23,775,200 | 2,774 |
| Average total loans | $27,497,600 | 5,672 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3637% | 40 |
| Cost of funding earning assets | 0.4360% | 3,406 |
| Net interest margin | 7.9277% | 38 |
| Noninterest income to average assets | 7.6491% | 86 |
| Noninterest expense to average assets | 5.2871% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 9.4677% | 20 |
| Return on assets (ROA) | 9.4677% | 19 |
| Pretax return on assets | 9.4758% | 28 |
| Return on Equity (ROE) | 32.1202% | 47 |
| Retained earnings to average equity (ytd only) | 32.1202% | 26 |
| Net charge-offs to loans | -0.2388% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4696% | 6,510 |
| Assets per employee ($millions) | 3.9408% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5201% | 634 |
| Loan loss allowance to noncurrent loans | 326.4151% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 3.7266% | 553 |
| Noncurrent loans to loans | 0.7721% | 3,653 |
| Net loans and leases to total assets | 32.3441% | 6,171 |
| Net loans and leases to deposits | 51.0889% | 5,579 |
| Net loans and leases to core deposits | 51.0889% | 5,737 |
| Total domestic deposits to total assets | 63.3094% | 6,446 |
| Equity capital to assets | 33.1029% | 59 |
| Core capital (leverage) ratio | 34.1201% | 57 |
| Tier 1 risk-based capital ratio | 79.7082% | 57 |
| Total risk-based capital ratio | 80.6257% | 57 |
| Memoranda: | ||
| Average total assets | $81,454,250 | 5,079 |
| Average earning assets | $73,092,000 | 5,121 |
| Average equity | $24,009,250 | 2,760 |
| Average total loans | $27,352,750 | 5,739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1894% | 30 |
| Cost of funding earning assets | 0.4555% | 3,260 |
| Net interest margin | 8.7340% | 30 |
| Noninterest income to average assets | 3.3769% | 165 |
| Noninterest expense to average assets | 5.3641% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 5.8109% | 40 |
| Return on assets (ROA) | 5.8109% | 40 |
| Pretax return on assets | 5.8233% | 49 |
| Return on Equity (ROE) | 20.5763% | 261 |
| Retained earnings to average equity (ytd only) | 20.5763% | 78 |
| Net charge-offs to loans | -0.3441% | 6,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4846% | 6,311 |
| Assets per employee ($millions) | 3.4391% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5931% | 620 |
| Loan loss allowance to noncurrent loans | 193.2773% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 4.9899% | 363 |
| Noncurrent loans to loans | 1.3417% | 2,566 |
| Net loans and leases to total assets | 32.7674% | 6,209 |
| Net loans and leases to deposits | 48.5129% | 5,741 |
| Net loans and leases to core deposits | 48.5129% | 5,875 |
| Total domestic deposits to total assets | 67.5436% | 6,438 |
| Equity capital to assets | 30.3161% | 63 |
| Core capital (leverage) ratio | 28.8534% | 64 |
| Tier 1 risk-based capital ratio | 70.6428% | 69 |
| Total risk-based capital ratio | 71.9036% | 68 |
| Memoranda: | ||
| Average total assets | $81,020,000 | 5,141 |
| Average earning assets | $72,452,670 | 5,169 |
| Average equity | $22,880,670 | 2,861 |
| Average total loans | $27,317,330 | 5,775 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8178% | 17 |
| Cost of funding earning assets | 0.4649% | 3,267 |
| Net interest margin | 10.3530% | 17 |
| Noninterest income to average assets | 4.3376% | 138 |
| Noninterest expense to average assets | 6.3333% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 7.2164% | 30 |
| Return on assets (ROA) | 7.2164% | 30 |
| Pretax return on assets | 7.2408% | 39 |
| Return on Equity (ROE) | 26.4923% | 101 |
| Retained earnings to average equity (ytd only) | 26.4923% | 50 |
| Net charge-offs to loans | -0.0434% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2976% | 6,414 |
| Assets per employee ($millions) | 3.3481% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4046% | 907 |
| Loan loss allowance to noncurrent loans | 176.0218% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 5.4944% | 347 |
| Noncurrent loans to loans | 1.3661% | 2,742 |
| Net loans and leases to total assets | 32.6290% | 6,240 |
| Net loans and leases to deposits | 47.3122% | 5,773 |
| Net loans and leases to core deposits | 47.3122% | 5,912 |
| Total domestic deposits to total assets | 68.9652% | 6,483 |
| Equity capital to assets | 28.7163% | 72 |
| Core capital (leverage) ratio | 27.4838% | 76 |
| Tier 1 risk-based capital ratio | 64.8896% | 80 |
| Total risk-based capital ratio | 66.1276% | 80 |
| Memoranda: | ||
| Average total assets | $81,980,000 | 5,162 |
| Average earning assets | $73,138,500 | 5,201 |
| Average equity | $22,331,000 | 2,910 |
| Average total loans | $27,671,500 | 5,819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3453% | 9 |
| Cost of funding earning assets | 0.5722% | 2,903 |
| Net interest margin | 14.7732% | 9 |
| Noninterest income to average assets | 2.6091% | 263 |
| Noninterest expense to average assets | 8.1394% | 118 |
| Loan and lease loss provision to assets | 0.6329% | 384 |
| Net operating income to assets | 6.9546% | 32 |
| Return on assets (ROA) | 6.9546% | 32 |
| Pretax return on assets | 6.9595% | 41 |
| Return on Equity (ROE) | 31.4559% | 66 |
| Retained earnings to average equity (ytd only) | 31.4559% | 30 |
| Net charge-offs to loans | 0.2435% | 2,517 |
| Credit loss provision to net charge-offs | 679.2208% | 353 |
| Earnings coverage of net charge-offs (x) | 81.4805% | 544 |
| Efficiency ratio | 51.4231% | 6,342 |
| Assets per employee ($millions) | 3.2156% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,100 |
| Loan loss allowance to noncurrent loans | 181.6384% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 5.4913% | 390 |
| Noncurrent loans to loans | 1.2431% | 3,059 |
| Net loans and leases to total assets | 33.2935% | 6,323 |
| Net loans and leases to deposits | 46.1501% | 5,999 |
| Net loans and leases to core deposits | 46.5359% | 6,111 |
| Total domestic deposits to total assets | 72.1416% | 6,413 |
| Equity capital to assets | 25.8202% | 86 |
| Core capital (leverage) ratio | 24.9675% | 89 |
| Tier 1 risk-based capital ratio | 56.1024% | 103 |
| Total risk-based capital ratio | 57.3575% | 102 |
| Memoranda: | ||
| Average total assets | $82,635,400 | 5,176 |
| Average earning assets | $73,403,400 | 5,213 |
| Average equity | $18,270,000 | 3,375 |
| Average total loans | $31,617,000 | 5,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1777% | 9 |
| Cost of funding earning assets | 0.5903% | 2,894 |
| Net interest margin | 14.5874% | 9 |
| Noninterest income to average assets | 2.3060% | 337 |
| Noninterest expense to average assets | 6.9001% | 150 |
| Loan and lease loss provision to assets | 0.8447% | 217 |
| Net operating income to assets | 7.5102% | 25 |
| Return on assets (ROA) | 7.5102% | 25 |
| Pretax return on assets | 7.5166% | 34 |
| Return on Equity (ROE) | 35.4793% | 43 |
| Retained earnings to average equity (ytd only) | 35.4793% | 21 |
| Net charge-offs to loans | 0.1276% | 3,252 |
| Credit loss provision to net charge-offs | 1,683.8710% | 195 |
| Earnings coverage of net charge-offs (x) | 166.6867% | 332 |
| Efficiency ratio | 44.8839% | 6,631 |
| Assets per employee ($millions) | 2.9748% | 5,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,164 |
| Loan loss allowance to noncurrent loans | 70.1325% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 6.4398% | 339 |
| Noncurrent loans to loans | 3.3000% | 1,177 |
| Net loans and leases to total assets | 34.8633% | 6,327 |
| Net loans and leases to deposits | 46.9666% | 6,040 |
| Net loans and leases to core deposits | 47.7403% | 6,138 |
| Total domestic deposits to total assets | 74.2298% | 6,357 |
| Equity capital to assets | 24.6044% | 96 |
| Core capital (leverage) ratio | 24.5506% | 92 |
| Tier 1 risk-based capital ratio | 51.4880% | 124 |
| Total risk-based capital ratio | 52.7428% | 125 |
| Memoranda: | ||
| Average total assets | $82,393,000 | 5,233 |
| Average earning assets | $73,175,500 | 5,267 |
| Average equity | $17,440,750 | 3,539 |
| Average total loans | $32,401,750 | 5,705 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9353% | 26 |
| Cost of funding earning assets | 0.6117% | 2,832 |
| Net interest margin | 9.3236% | 23 |
| Noninterest income to average assets | 1.5154% | 679 |
| Noninterest expense to average assets | 6.8118% | 155 |
| Loan and lease loss provision to assets | 0.0707% | 3,622 |
| Net operating income to assets | 2.9040% | 120 |
| Return on assets (ROA) | 2.9040% | 125 |
| Pretax return on assets | 2.9138% | 158 |
| Return on Equity (ROE) | 14.5162% | 904 |
| Retained earnings to average equity (ytd only) | 14.5162% | 271 |
| Net charge-offs to loans | 0.1862% | 2,633 |
| Credit loss provision to net charge-offs | 93.5484% | 2,360 |
| Earnings coverage of net charge-offs (x) | 39.5161% | 937 |
| Efficiency ratio | 69.0376% | 4,002 |
| Assets per employee ($millions) | 2.6391% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 6,564 |
| Loan loss allowance to noncurrent loans | 53.1335% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 6.8178% | 351 |
| Noncurrent loans to loans | 1.2083% | 3,537 |
| Net loans and leases to total assets | 39.4303% | 6,079 |
| Net loans and leases to deposits | 51.1344% | 5,762 |
| Net loans and leases to core deposits | 52.6851% | 5,838 |
| Total domestic deposits to total assets | 77.1111% | 6,110 |
| Equity capital to assets | 22.2460% | 132 |
| Core capital (leverage) ratio | 20.9751% | 146 |
| Tier 1 risk-based capital ratio | 24.1873% | 978 |
| Total risk-based capital ratio | 24.4727% | 1,082 |
| Memoranda: | ||
| Average total assets | $82,092,670 | 5,271 |
| Average earning assets | $72,911,670 | 5,310 |
| Average equity | $16,423,000 | 3,709 |
| Average total loans | $33,293,330 | 5,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3303% | 28 |
| Cost of funding earning assets | 0.6072% | 3,039 |
| Net interest margin | 8.7230% | 26 |
| Noninterest income to average assets | 1.8852% | 464 |
| Noninterest expense to average assets | 7.3570% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3141% | 197 |
| Return on assets (ROA) | 2.3141% | 217 |
| Pretax return on assets | 2.3141% | 348 |
| Return on Equity (ROE) | 12.1825% | 1,372 |
| Retained earnings to average equity (ytd only) | 12.1825% | 676 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5848% | 2,996 |
| Assets per employee ($millions) | 2.7707% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 6,689 |
| Loan loss allowance to noncurrent loans | 52.8150% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 6.2764% | 497 |
| Noncurrent loans to loans | 1.1614% | 3,836 |
| Net loans and leases to total assets | 39.7254% | 6,018 |
| Net loans and leases to deposits | 50.3089% | 5,764 |
| Net loans and leases to core deposits | 51.7242% | 5,842 |
| Total domestic deposits to total assets | 78.9630% | 5,969 |
| Equity capital to assets | 20.3699% | 203 |
| Core capital (leverage) ratio | 19.1920% | 228 |
| Tier 1 risk-based capital ratio | 37.9224% | 272 |
| Total risk-based capital ratio | 38.3948% | 283 |
| Memoranda: | ||
| Average total assets | $84,871,500 | 5,238 |
| Average earning assets | $75,753,500 | 5,275 |
| Average equity | $16,121,500 | 3,798 |
| Average total loans | $34,753,500 | 5,674 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6762% | 24 |
| Cost of funding earning assets | 0.8709% | 2,134 |
| Net interest margin | 9.8053% | 23 |
| Noninterest income to average assets | 0.9113% | 1,827 |
| Noninterest expense to average assets | 6.4380% | 187 |
| Loan and lease loss provision to assets | 0.1945% | 3,204 |
| Net operating income to assets | 2.8094% | 108 |
| Return on assets (ROA) | 2.8324% | 114 |
| Pretax return on assets | 2.8324% | 167 |
| Return on Equity (ROE) | 16.2201% | 629 |
| Retained earnings to average equity (ytd only) | 16.2201% | 120 |
| Net charge-offs to loans | 0.2209% | 3,624 |
| Credit loss provision to net charge-offs | 197.4026% | 1,317 |
| Earnings coverage of net charge-offs (x) | 30.4805% | 1,002 |
| Efficiency ratio | 67.6698% | 4,206 |
| Assets per employee ($millions) | 3.0826% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5269% | 6,819 |
| Loan loss allowance to noncurrent loans | 42.4569% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 4.6905% | 866 |
| Noncurrent loans to loans | 1.2409% | 3,771 |
| Net loans and leases to total assets | 41.6068% | 6,036 |
| Net loans and leases to deposits | 51.0234% | 5,884 |
| Net loans and leases to core deposits | 51.7223% | 6,034 |
| Total domestic deposits to total assets | 81.5446% | 5,246 |
| Equity capital to assets | 17.7596% | 344 |
| Core capital (leverage) ratio | 17.3372% | 325 |
| Tier 1 risk-based capital ratio | 33.0620% | 401 |
| Total risk-based capital ratio | 33.4874% | 416 |
| Memoranda: | ||
| Average total assets | $78,130,400 | 5,404 |
| Average earning assets | $67,973,600 | 5,493 |
| Average equity | $13,643,600 | 4,232 |
| Average total loans | $34,865,200 | 5,721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1139% | 26 |
| Cost of funding earning assets | 0.9376% | 1,938 |
| Net interest margin | 9.1764% | 24 |
| Noninterest income to average assets | 1.0250% | 1,440 |
| Noninterest expense to average assets | 6.7767% | 155 |
| Loan and lease loss provision to assets | 0.2691% | 2,420 |
| Net operating income to assets | 1.8801% | 477 |
| Return on assets (ROA) | 1.9119% | 514 |
| Pretax return on assets | 1.9119% | 847 |
| Return on Equity (ROE) | 11.0042% | 1,959 |
| Retained earnings to average equity (ytd only) | 11.0042% | 684 |
| Net charge-offs to loans | 0.2882% | 2,999 |
| Credit loss provision to net charge-offs | 205.4054% | 1,350 |
| Earnings coverage of net charge-offs (x) | 16.4061% | 1,695 |
| Efficiency ratio | 75.3868% | 2,763 |
| Assets per employee ($millions) | 2.8783% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4863% | 6,960 |
| Loan loss allowance to noncurrent loans | 44.0529% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.3163% | 1,533 |
| Noncurrent loans to loans | 1.1039% | 4,216 |
| Net loans and leases to total assets | 45.8684% | 5,777 |
| Net loans and leases to deposits | 55.6013% | 5,669 |
| Net loans and leases to core deposits | 56.7430% | 5,831 |
| Total domestic deposits to total assets | 82.4952% | 4,837 |
| Equity capital to assets | 16.5208% | 522 |
| Core capital (leverage) ratio | 15.9825% | 475 |
| Tier 1 risk-based capital ratio | 29.1166% | 574 |
| Total risk-based capital ratio | 29.5276% | 616 |
| Memoranda: | ||
| Average total assets | $75,314,500 | 5,540 |
| Average earning assets | $64,846,250 | 5,645 |
| Average equity | $13,085,500 | 4,379 |
| Average total loans | $34,233,750 | 5,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1605% | 33 |
| Cost of funding earning assets | 1.0465% | 1,492 |
| Net interest margin | 8.1140% | 34 |
| Noninterest income to average assets | 1.4800% | 665 |
| Noninterest expense to average assets | 6.6981% | 158 |
| Loan and lease loss provision to assets | 0.2009% | 3,068 |
| Net operating income to assets | 1.4262% | 1,138 |
| Return on assets (ROA) | 1.4262% | 1,270 |
| Pretax return on assets | 1.4262% | 2,102 |
| Return on Equity (ROE) | 8.0423% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.0423% | 1,622 |
| Net charge-offs to loans | 0.4634% | 2,214 |
| Credit loss provision to net charge-offs | 95.9459% | 2,879 |
| Earnings coverage of net charge-offs (x) | 7.7703% | 2,423 |
| Efficiency ratio | 79.8776% | 2,203 |
| Assets per employee ($millions) | 2.6357% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2771% | 7,127 |
| Loan loss allowance to noncurrent loans | 28.3333% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 3.8504% | 1,348 |
| Noncurrent loans to loans | 0.9780% | 4,561 |
| Net loans and leases to total assets | 46.4254% | 5,787 |
| Net loans and leases to deposits | 55.3657% | 5,724 |
| Net loans and leases to core deposits | 56.0636% | 5,937 |
| Total domestic deposits to total assets | 83.8524% | 4,375 |
| Equity capital to assets | 15.3476% | 708 |
| Core capital (leverage) ratio | 14.0032% | 803 |
| Tier 1 risk-based capital ratio | 26.1026% | 796 |
| Total risk-based capital ratio | 26.3313% | 877 |
| Memoranda: | ||
| Average total assets | $70,677,000 | 5,713 |
| Average earning assets | $59,625,330 | 5,853 |
| Average equity | $12,533,670 | 4,492 |
| Average total loans | $31,936,000 | 5,968 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0830% | 35 |
| Cost of funding earning assets | 1.2435% | 801 |
| Net interest margin | 7.8396% | 37 |
| Noninterest income to average assets | 2.8585% | 262 |
| Noninterest expense to average assets | 7.5804% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6363% | 815 |
| Return on assets (ROA) | 1.6363% | 910 |
| Pretax return on assets | 1.6363% | 1,464 |
| Return on Equity (ROE) | 8.3607% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.3607% | 1,833 |
| Net charge-offs to loans | -0.0151% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2464% | 1,906 |
| Assets per employee ($millions) | 2.9318% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2692% | 7,189 |
| Loan loss allowance to noncurrent loans | 1.8839% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 9.6423% | 326 |
| Noncurrent loans to loans | 14.2882% | 137 |
| Net loans and leases to total assets | 43.1778% | 6,084 |
| Net loans and leases to deposits | 50.1800% | 6,127 |
| Net loans and leases to core deposits | 50.7585% | 6,291 |
| Total domestic deposits to total assets | 86.0458% | 3,503 |
| Equity capital to assets | 13.0873% | 1,402 |
| Core capital (leverage) ratio | 16.8300% | 373 |
| Tier 1 risk-based capital ratio | 21.6360% | 1,351 |
| Total risk-based capital ratio | 21.8330% | 1,549 |
| Memoranda: | ||
| Average total assets | $59,891,000 | 6,066 |
| Average earning assets | $48,574,000 | 6,256 |
| Average equity | $11,721,500 | 4,668 |
| Average total loans | $26,431,000 | 6,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 5,015 |
| Cost of funding earning assets | 0.6340% | 5,903 |
| Net interest margin | 3.8811% | 3,420 |
| Noninterest income to average assets | 0.2406% | 5,821 |
| Noninterest expense to average assets | 6.7254% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -3.1713% | 7,202 |
| Return on assets (ROA) | -3.1932% | 7,207 |
| Pretax return on assets | -3.1932% | 7,207 |
| Return on Equity (ROE) | -5.8629% | 6,572 |
| Retained earnings to average equity (ytd only) | -5.8629% | 6,497 |
| Net charge-offs to loans | 0.0976% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -72.5000% | 6,430 |
| Efficiency ratio | 189.2308% | 65 |
| Assets per employee ($millions) | 2.0339% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 3,194 |
| Loan loss allowance to noncurrent loans | 32.0210% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 8.2742% | 468 |
| Noncurrent loans to loans | 5.3160% | 1,017 |
| Net loans and leases to total assets | 49.4837% | 5,661 |
| Net loans and leases to deposits | 153.9218% | 26 |
| Net loans and leases to core deposits | 153.9218% | 123 |
| Total domestic deposits to total assets | 32.1486% | 7,312 |
| Equity capital to assets | 67.6407% | 32 |
| Core capital (leverage) ratio | 65.0843% | 28 |
| Tier 1 risk-based capital ratio | 100.2379% | 50 |
| Total risk-based capital ratio | 101.5574% | 50 |
| Memoranda: | ||
| Average total assets | $18,289,000 | 7,239 |
| Average earning assets | $15,614,200 | 7,239 |
| Average equity | $9,961,000 | 5,030 |
| Average total loans | $8,193,600 | 7,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 5,389 |
| Cost of funding earning assets | 0.7004% | 5,759 |
| Net interest margin | 3.7595% | 4,066 |
| Noninterest income to average assets | 0.2348% | 5,942 |
| Noninterest expense to average assets | 5.7471% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -2.2864% | 7,190 |
| Return on assets (ROA) | -2.3141% | 7,197 |
| Pretax return on assets | -2.3141% | 7,179 |
| Return on Equity (ROE) | -4.4471% | 6,653 |
| Retained earnings to average equity (ytd only) | -4.4471% | 6,556 |
| Net charge-offs to loans | 0.1420% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -36.7767% | 6,163 |
| Efficiency ratio | 166.0679% | 98 |
| Assets per employee ($millions) | 2.4823% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,701 |
| Loan loss allowance to noncurrent loans | 16.6897% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 10.8970% | 301 |
| Noncurrent loans to loans | 9.5445% | 384 |
| Net loans and leases to total assets | 50.1880% | 5,681 |
| Net loans and leases to deposits | 150.8882% | 26 |
| Net loans and leases to core deposits | 150.8882% | 134 |
| Total domestic deposits to total assets | 33.2617% | 7,386 |
| Equity capital to assets | 66.3287% | 38 |
| Core capital (leverage) ratio | 64.6847% | 34 |
| Tier 1 risk-based capital ratio | 105.9079% | 50 |
| Total risk-based capital ratio | 107.2652% | 50 |
| Memoranda: | ||
| Average total assets | $19,302,000 | 7,290 |
| Average earning assets | $16,562,000 | 7,293 |
| Average equity | $10,043,750 | 5,027 |
| Average total loans | $8,450,250 | 7,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 6,585 |
| Cost of funding earning assets | 0.8001% | 5,368 |
| Net interest margin | 3.2447% | 6,013 |
| Noninterest income to average assets | 0.2118% | 6,152 |
| Noninterest expense to average assets | 5.1706% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.1472% | 7,216 |
| Return on assets (ROA) | -2.1472% | 7,225 |
| Pretax return on assets | -2.1472% | 7,196 |
| Return on Equity (ROE) | -4.4164% | 6,674 |
| Retained earnings to average equity (ytd only) | -4.4164% | 6,516 |
| Net charge-offs to loans | 0.2061% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -24.7778% | 5,847 |
| Efficiency ratio | 171.0191% | 96 |
| Assets per employee ($millions) | 3.2242% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 4,176 |
| Loan loss allowance to noncurrent loans | 17.7160% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 10.3716% | 363 |
| Noncurrent loans to loans | 8.4113% | 516 |
| Net loans and leases to total assets | 49.6185% | 5,874 |
| Net loans and leases to deposits | 131.5625% | 52 |
| Net loans and leases to core deposits | 131.5625% | 257 |
| Total domestic deposits to total assets | 37.7148% | 7,453 |
| Equity capital to assets | 61.9627% | 41 |
| Core capital (leverage) ratio | 52.3341% | 44 |
| Tier 1 risk-based capital ratio | 100.9222% | 54 |
| Total risk-based capital ratio | 102.1903% | 52 |
| Memoranda: | ||
| Average total assets | $20,771,330 | 7,330 |
| Average earning assets | $17,998,330 | 7,330 |
| Average equity | $10,098,670 | 5,025 |
| Average total loans | $8,735,000 | 7,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0775% | 7,381 |
| Cost of funding earning assets | 0.8935% | 4,968 |
| Net interest margin | 2.1841% | 7,362 |
| Noninterest income to average assets | 0.1905% | 6,358 |
| Noninterest expense to average assets | 4.1565% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.0609% | 7,291 |
| Return on assets (ROA) | -2.0609% | 7,289 |
| Pretax return on assets | -2.0609% | 7,263 |
| Return on Equity (ROE) | -4.6880% | 6,790 |
| Retained earnings to average equity (ytd only) | -4.6880% | 6,488 |
| Net charge-offs to loans | 0.4424% | 2,371 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -11.9000% | 5,064 |
| Efficiency ratio | 198.3471% | 69 |
| Assets per employee ($millions) | 4.2676% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 4,744 |
| Loan loss allowance to noncurrent loans | 15.3846% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 10.5211% | 371 |
| Noncurrent loans to loans | 8.9945% | 495 |
| Net loans and leases to total assets | 40.0787% | 6,772 |
| Net loans and leases to deposits | 88.3654% | 1,418 |
| Net loans and leases to core deposits | 88.3654% | 2,553 |
| Total domestic deposits to total assets | 45.3557% | 7,497 |
| Equity capital to assets | 47.3053% | 47 |
| Core capital (leverage) ratio | 42.2891% | 50 |
| Tier 1 risk-based capital ratio | 87.2277% | 63 |
| Total risk-based capital ratio | 88.3033% | 63 |
| Memoranda: | ||
| Average total assets | $23,096,500 | 7,340 |
| Average earning assets | $20,146,000 | 7,338 |
| Average equity | $10,153,500 | 5,003 |
| Average total loans | $9,042,500 | 7,341 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0320% | 7,599 |
| Cost of funding earning assets | 0.2966% | 7,509 |
| Net interest margin | 0.7354% | 7,596 |
| Noninterest income to average assets | 0.0778% | 6,999 |
| Noninterest expense to average assets | 1.2135% | 7,546 |
| Loan and lease loss provision to assets | 0.6742% | 2,448 |
| Net operating income to assets | -1.1927% | 6,789 |
| Return on assets (ROA) | -1.1927% | 6,806 |
| Pretax return on assets | -1.1927% | 6,737 |
| Return on Equity (ROE) | -8.8217% | 6,669 |
| Retained earnings to average equity (ytd only) | -8.8217% | 6,582 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.6269% | 130 |
| Assets per employee ($millions) | 4.9710% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 4,608 |
| Loan loss allowance to noncurrent loans | 17.7596% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 8.8594% | 515 |
| Noncurrent loans to loans | 7.7765% | 675 |
| Net loans and leases to total assets | 37.3486% | 7,098 |
| Net loans and leases to deposits | 71.0470% | 4,676 |
| Net loans and leases to core deposits | 77.6365% | 4,503 |
| Total domestic deposits to total assets | 52.5689% | 7,556 |
| Equity capital to assets | 41.0903% | 54 |
| Core capital (leverage) ratio | 39.5289% | 57 |
| Tier 1 risk-based capital ratio | 70.6215% | 75 |
| Total risk-based capital ratio | 71.5535% | 75 |
| Memoranda: | ||
| Average total assets | $19,283,400 | 7,479 |
| Average earning assets | $16,182,200 | 7,494 |
| Average equity | $2,607,200 | 7,372 |
| Average total loans | $11,958,000 | 7,307 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 1,793 |
| Cost of funding earning assets | 2.0965% | 540 |
| Net interest margin | 3.5786% | 4,979 |
| Noninterest income to average assets | 0.4770% | 4,355 |
| Noninterest expense to average assets | 6.3272% | 193 |
| Loan and lease loss provision to assets | 1.9004% | 646 |
| Net operating income to assets | -4.7995% | 7,630 |
| Return on assets (ROA) | -4.7995% | 7,639 |
| Pretax return on assets | -4.7995% | 7,625 |
| Return on Equity (ROE) | -121.6649% | 7,708 |
| Retained earnings to average equity (ytd only) | -121.6649% | 7,708 |
| Net charge-offs to loans | 2.4667% | 688 |
| Credit loss provision to net charge-offs | 109.4421% | 3,883 |
| Earnings coverage of net charge-offs (x) | -1.6695% | 6,521 |
| Efficiency ratio | 184.5652% | 110 |
| Assets per employee ($millions) | 3.3228% | 5,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7159% | 465 |
| Loan loss allowance to noncurrent loans | 400.0000% | 743 |
| Noncurrent assets plus other real estate owned to assets | 10.7440% | 344 |
| Noncurrent loans to loans | 0.9290% | 5,380 |
| Net loans and leases to total assets | 66.7509% | 3,517 |
| Net loans and leases to deposits | 75.7824% | 4,217 |
| Net loans and leases to core deposits | 81.9963% | 4,250 |
| Total domestic deposits to total assets | 88.0823% | 1,915 |
| Equity capital to assets | 2.4618% | 7,714 |
| Core capital (leverage) ratio | 2.4687% | 7,702 |
| Tier 1 risk-based capital ratio | 2.9514% | 7,709 |
| Total risk-based capital ratio | 4.2245% | 7,710 |
| Memoranda: | ||
| Average total assets | $17,890,500 | 7,607 |
| Average earning assets | $14,754,250 | 7,623 |
| Average equity | $705,750 | 7,756 |
| Average total loans | $12,594,250 | 7,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7483% | 1,557 |
| Cost of funding earning assets | 2.2406% | 411 |
| Net interest margin | 3.5077% | 5,216 |
| Noninterest income to average assets | 0.5569% | 3,648 |
| Noninterest expense to average assets | 6.1367% | 214 |
| Loan and lease loss provision to assets | 2.7845% | 377 |
| Net operating income to assets | -5.4925% | 7,714 |
| Return on assets (ROA) | -5.4925% | 7,719 |
| Pretax return on assets | -5.4925% | 7,703 |
| Return on Equity (ROE) | -125.0202% | 7,760 |
| Retained earnings to average equity (ytd only) | -125.0202% | 7,760 |
| Net charge-offs to loans | 1.3279% | 1,429 |
| Credit loss provision to net charge-offs | 296.5116% | 1,253 |
| Earnings coverage of net charge-offs (x) | -2.8837% | 6,256 |
| Efficiency ratio | 178.9809% | 131 |
| Assets per employee ($millions) | 3.7476% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6683% | 229 |
| Loan loss allowance to noncurrent loans | 281.8627% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 10.9030% | 332 |
| Noncurrent loans to loans | 1.6562% | 4,219 |
| Net loans and leases to total assets | 62.6641% | 4,544 |
| Net loans and leases to deposits | 70.7094% | 5,175 |
| Net loans and leases to core deposits | 75.7695% | 5,219 |
| Total domestic deposits to total assets | 88.6221% | 1,662 |
| Equity capital to assets | 2.9512% | 7,756 |
| Core capital (leverage) ratio | 3.0954% | 7,735 |
| Tier 1 risk-based capital ratio | 3.6794% | 7,755 |
| Total risk-based capital ratio | 4.9595% | 7,757 |
| Memoranda: | ||
| Average total assets | $18,316,000 | 7,671 |
| Average earning assets | $14,995,670 | 7,687 |
| Average equity | $804,670 | 7,816 |
| Average total loans | $12,953,000 | 7,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0616% | 855 |
| Cost of funding earning assets | 2.5900% | 166 |
| Net interest margin | 3.4717% | 5,281 |
| Noninterest income to average assets | 1.0605% | 1,129 |
| Noninterest expense to average assets | 6.3629% | 182 |
| Loan and lease loss provision to assets | 2.5407% | 416 |
| Net operating income to assets | -5.0594% | 7,786 |
| Return on assets (ROA) | -5.0594% | 7,790 |
| Pretax return on assets | -5.0594% | 7,768 |
| Return on Equity (ROE) | -98.4417% | 7,826 |
| Retained earnings to average equity (ytd only) | -98.4417% | 7,823 |
| Net charge-offs to loans | 3.0744% | 498 |
| Credit loss provision to net charge-offs | 112.7451% | 3,075 |
| Earnings coverage of net charge-offs (x) | -1.1176% | 5,397 |
| Efficiency ratio | 165.5172% | 162 |
| Assets per employee ($millions) | 2.9688% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1890% | 699 |
| Loan loss allowance to noncurrent loans | 145.9930% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 15.6290% | 121 |
| Noncurrent loans to loans | 2.1843% | 3,552 |
| Net loans and leases to total assets | 71.4085% | 2,586 |
| Net loans and leases to deposits | 82.5063% | 3,197 |
| Net loans and leases to core deposits | 91.3399% | 3,194 |
| Total domestic deposits to total assets | 86.5491% | 2,872 |
| Equity capital to assets | 4.5978% | 7,754 |
| Core capital (leverage) ratio | 4.5057% | 7,743 |
| Tier 1 risk-based capital ratio | 5.0968% | 7,795 |
| Total risk-based capital ratio | 6.3648% | 7,796 |
| Memoranda: | ||
| Average total assets | $18,105,000 | 7,771 |
| Average earning assets | $14,517,500 | 7,794 |
| Average equity | $930,500 | 7,898 |
| Average total loans | $13,271,000 | 7,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6680% | 3,263 |
| Cost of funding earning assets | 3.2159% | 120 |
| Net interest margin | 2.4521% | 7,473 |
| Noninterest income to average assets | 0.2385% | 6,384 |
| Noninterest expense to average assets | 5.7281% | 351 |
| Loan and lease loss provision to assets | 2.4830% | 801 |
| Net operating income to assets | -5.9011% | 7,834 |
| Return on assets (ROA) | -5.9011% | 7,822 |
| Pretax return on assets | -5.9011% | 7,795 |
| Return on Equity (ROE) | -77.1582% | 7,849 |
| Retained earnings to average equity (ytd only) | -77.1582% | 7,846 |
| Net charge-offs to loans | 3.9340% | 429 |
| Credit loss provision to net charge-offs | 81.8182% | 6,250 |
| Earnings coverage of net charge-offs (x) | -1.1263% | 6,906 |
| Efficiency ratio | 247.9757% | 90 |
| Assets per employee ($millions) | 2.6281% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0292% | 752 |
| Loan loss allowance to noncurrent loans | 232.0000% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 15.2525% | 132 |
| Noncurrent loans to loans | 1.3057% | 4,740 |
| Net loans and leases to total assets | 70.6474% | 3,091 |
| Net loans and leases to deposits | 82.3846% | 3,565 |
| Net loans and leases to core deposits | 121.8773% | 1,789 |
| Total domestic deposits to total assets | 85.7531% | 3,137 |
| Equity capital to assets | 5.6640% | 7,713 |
| Core capital (leverage) ratio | 5.5085% | 7,709 |
| Tier 1 risk-based capital ratio | 6.3277% | 7,799 |
| Total risk-based capital ratio | 7.5897% | 7,804 |
| Memoranda: | ||
| Average total assets | $21,385,800 | 7,736 |
| Average earning assets | $18,066,400 | 7,757 |
| Average equity | $1,635,600 | 7,900 |
| Average total loans | $16,497,200 | 7,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 3,610 |
| Cost of funding earning assets | 3.3086% | 134 |
| Net interest margin | 2.3351% | 7,614 |
| Noninterest income to average assets | 0.1687% | 7,003 |
| Noninterest expense to average assets | 5.4216% | 385 |
| Loan and lease loss provision to assets | 3.1988% | 434 |
| Net operating income to assets | -6.4578% | 7,951 |
| Return on assets (ROA) | -6.4578% | 7,951 |
| Pretax return on assets | -6.4578% | 7,936 |
| Return on Equity (ROE) | -80.1177% | 7,962 |
| Retained earnings to average equity (ytd only) | -80.1177% | 7,960 |
| Net charge-offs to loans | 5.0489% | 222 |
| Credit loss provision to net charge-offs | 81.1927% | 5,733 |
| Earnings coverage of net charge-offs (x) | -0.8272% | 6,599 |
| Efficiency ratio | 250.6964% | 85 |
| Assets per employee ($millions) | 2.7661% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8379% | 762 |
| Loan loss allowance to noncurrent loans | 54.3360% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 14.7704% | 125 |
| Noncurrent loans to loans | 5.2229% | 1,231 |
| Net loans and leases to total assets | 70.9033% | 3,293 |
| Net loans and leases to deposits | 83.1053% | 3,811 |
| Net loans and leases to core deposits | 112.0369% | 3,019 |
| Total domestic deposits to total assets | 85.3174% | 3,066 |
| Equity capital to assets | 6.4143% | 7,782 |
| Core capital (leverage) ratio | 6.1644% | 7,771 |
| Tier 1 risk-based capital ratio | 7.2598% | 7,871 |
| Total risk-based capital ratio | 8.5223% | 7,872 |
| Memoranda: | ||
| Average total assets | $22,133,000 | 7,799 |
| Average earning assets | $18,899,750 | 7,809 |
| Average equity | $1,784,000 | 7,961 |
| Average total loans | $17,270,750 | 7,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6303% | 3,911 |
| Cost of funding earning assets | 3.3102% | 199 |
| Net interest margin | 2.3201% | 7,662 |
| Noninterest income to average assets | 0.1561% | 7,155 |
| Noninterest expense to average assets | 5.0832% | 484 |
| Loan and lease loss provision to assets | 3.4524% | 418 |
| Net operating income to assets | -6.3670% | 8,017 |
| Return on assets (ROA) | -6.3670% | 8,009 |
| Pretax return on assets | -6.3670% | 7,973 |
| Return on Equity (ROE) | -74.7199% | 8,028 |
| Retained earnings to average equity (ytd only) | -74.7199% | 8,027 |
| Net charge-offs to loans | 3.4502% | 456 |
| Credit loss provision to net charge-offs | 125.9494% | 3,689 |
| Earnings coverage of net charge-offs (x) | -1.0633% | 6,245 |
| Efficiency ratio | 234.4000% | 138 |
| Assets per employee ($millions) | 2.9410% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9572% | 271 |
| Loan loss allowance to noncurrent loans | 346.2857% | 909 |
| Noncurrent assets plus other real estate owned to assets | 13.3385% | 137 |
| Noncurrent loans to loans | 1.1427% | 4,929 |
| Net loans and leases to total assets | 71.4431% | 3,364 |
| Net loans and leases to deposits | 84.5725% | 3,779 |
| Net loans and leases to core deposits | 112.6791% | 3,057 |
| Total domestic deposits to total assets | 84.4756% | 3,515 |
| Equity capital to assets | 7.6796% | 7,102 |
| Core capital (leverage) ratio | 7.1458% | 7,415 |
| Tier 1 risk-based capital ratio | 8.5483% | 7,838 |
| Total risk-based capital ratio | 9.8243% | 7,870 |
| Memoranda: | ||
| Average total assets | $23,056,330 | 7,848 |
| Average earning assets | $19,999,000 | 7,859 |
| Average equity | $1,964,670 | 8,010 |
| Average total loans | $18,317,670 | 7,431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 5,703 |
| Cost of funding earning assets | 3.2851% | 277 |
| Net interest margin | 2.0555% | 7,870 |
| Noninterest income to average assets | 0.1317% | 7,350 |
| Noninterest expense to average assets | 4.3144% | 844 |
| Loan and lease loss provision to assets | 2.8817% | 383 |
| Net operating income to assets | -5.2200% | 8,050 |
| Return on assets (ROA) | -5.2200% | 8,044 |
| Pretax return on assets | -5.2200% | 8,002 |
| Return on Equity (ROE) | -58.7990% | 8,084 |
| Retained earnings to average equity (ytd only) | -58.7990% | 8,068 |
| Net charge-offs to loans | 2.6842% | 497 |
| Credit loss provision to net charge-offs | 131.5789% | 3,054 |
| Earnings coverage of net charge-offs (x) | -1.0677% | 5,377 |
| Efficiency ratio | 218.3333% | 160 |
| Assets per employee ($millions) | 3.9600% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0230% | 468 |
| Loan loss allowance to noncurrent loans | 38.6876% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 13.4512% | 108 |
| Noncurrent loans to loans | 7.8139% | 466 |
| Net loans and leases to total assets | 76.4184% | 2,182 |
| Net loans and leases to deposits | 90.0824% | 2,917 |
| Net loans and leases to core deposits | 114.0802% | 3,003 |
| Total domestic deposits to total assets | 84.8316% | 3,284 |
| Equity capital to assets | 8.4091% | 6,214 |
| Core capital (leverage) ratio | 8.1899% | 6,127 |
| Tier 1 risk-based capital ratio | 9.6345% | 7,305 |
| Total risk-based capital ratio | 10.9027% | 7,220 |
| Memoranda: | ||
| Average total assets | $24,291,000 | 7,859 |
| Average earning assets | $21,795,500 | 7,848 |
| Average equity | $2,156,500 | 8,023 |
| Average total loans | $19,819,500 | 7,375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3135% | 3,892 |
| Cost of funding earning assets | 3.7100% | 258 |
| Net interest margin | 2.6035% | 7,642 |
| Noninterest income to average assets | 0.1429% | 7,390 |
| Noninterest expense to average assets | 4.6808% | 775 |
| Loan and lease loss provision to assets | 2.0490% | 577 |
| Net operating income to assets | -4.1544% | 8,006 |
| Return on assets (ROA) | -3.9176% | 7,958 |
| Pretax return on assets | -3.9176% | 7,880 |
| Return on Equity (ROE) | -34.6387% | 8,019 |
| Retained earnings to average equity (ytd only) | -34.6387% | 7,983 |
| Net charge-offs to loans | 1.5266% | 756 |
| Credit loss provision to net charge-offs | 158.4302% | 3,274 |
| Earnings coverage of net charge-offs (x) | -1.6279% | 6,680 |
| Efficiency ratio | 181.7518% | 242 |
| Assets per employee ($millions) | 4.1370% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 676 |
| Loan loss allowance to noncurrent loans | 27.8427% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 11.0990% | 124 |
| Noncurrent loans to loans | 8.9979% | 264 |
| Net loans and leases to total assets | 82.1529% | 1,202 |
| Net loans and leases to deposits | 97.6348% | 2,178 |
| Net loans and leases to core deposits | 138.3540% | 1,355 |
| Total domestic deposits to total assets | 84.1431% | 3,248 |
| Equity capital to assets | 9.3264% | 4,908 |
| Core capital (leverage) ratio | 9.1582% | 4,510 |
| Tier 1 risk-based capital ratio | 10.6100% | 6,089 |
| Total risk-based capital ratio | 11.8750% | 5,970 |
| Memoranda: | ||
| Average total assets | $26,598,200 | 7,782 |
| Average earning assets | $24,851,600 | 7,750 |
| Average equity | $3,008,200 | 7,835 |
| Average total loans | $22,534,000 | 7,165 |