Home > Homeland Community Bank > Performance and Condition Ratios
Homeland Community 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 | 4.4050% | 3,269 |
| Cost of funding earning assets | 1.4927% | 1,964 |
| Net interest margin | 2.9123% | 3,454 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.6080% | 1,978 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5694% | 3,517 |
| Return on assets (ROA) | 0.4666% | 3,739 |
| Pretax return on assets | 0.5056% | 3,794 |
| Return on Equity (ROE) | 18.1400% | 800 |
| Retained earnings to average equity (ytd only) | 14.5700% | 361 |
| Net charge-offs to loans | 0.0326% | 1,644 |
| Credit loss provision to net charge-offs | -200.0000% | 4,503 |
| Earnings coverage of net charge-offs (x) | 36.0769% | 1,512 |
| Efficiency ratio | 80.6916% | 874 |
| Assets per employee ($millions) | 6.0286% | 2,794 |
| Cash dividends to net income (ytd only)* | 19.6768% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 3,787 |
| Loan loss allowance to noncurrent loans | 140.6932% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 1,455 |
| Noncurrent loans to loans | 0.6235% | 1,262 |
| Net loans and leases to total assets | 55.5200% | 3,234 |
| Net loans and leases to deposits | 58.8030% | 3,591 |
| Net loans and leases to core deposits | 67.6151% | 3,422 |
| Total domestic deposits to total assets | 94.4100% | 84 |
| Equity capital to assets | 3.3579% | 4,529 |
| Core capital (leverage) ratio | 7.8918% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9623% | 2,254 |
| Memoranda: | ||
| Average total assets | $225,460,800 | 2,813 |
| Average earning assets | $210,419,200 | 2,804 |
| Average equity | $5,799,600 | 4,179 |
| Average total loans | $119,699,800 | 2,957 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 3,327 |
| Cost of funding earning assets | 1.4205% | 1,810 |
| Net interest margin | 2.8575% | 3,623 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.6340% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5414% | 3,677 |
| Return on assets (ROA) | 0.3981% | 3,962 |
| Pretax return on assets | 0.4129% | 4,046 |
| Return on Equity (ROE) | 16.7400% | 1,125 |
| Retained earnings to average equity (ytd only) | 16.7375% | 407 |
| Net charge-offs to loans | 0.0417% | 1,289 |
| Credit loss provision to net charge-offs | -224.3243% | 4,549 |
| Earnings coverage of net charge-offs (x) | 25.7568% | 1,680 |
| Efficiency ratio | 82.4137% | 704 |
| Assets per employee ($millions) | 5.8826% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,757 |
| Loan loss allowance to noncurrent loans | 111.4169% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 1,188 |
| Noncurrent loans to loans | 0.7999% | 1,043 |
| Net loans and leases to total assets | 55.8500% | 3,215 |
| Net loans and leases to deposits | 57.7053% | 3,620 |
| Net loans and leases to core deposits | 66.1178% | 3,423 |
| Total domestic deposits to total assets | 96.7800% | 54 |
| Equity capital to assets | 1.9526% | 4,544 |
| Core capital (leverage) ratio | 7.4850% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8631% | 2,315 |
| Memoranda: | ||
| Average total assets | $226,061,750 | 2,819 |
| Average earning assets | $210,810,500 | 2,810 |
| Average equity | $5,377,000 | 4,240 |
| Average total loans | $118,392,000 | 2,975 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,515 |
| Cost of funding earning assets | 1.2615% | 1,819 |
| Net interest margin | 2.8262% | 3,783 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.5692% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4701% | 3,875 |
| Return on assets (ROA) | 0.4701% | 3,877 |
| Pretax return on assets | 0.5121% | 3,946 |
| Return on Equity (ROE) | 18.7000% | 872 |
| Retained earnings to average equity (ytd only) | 18.7044% | 304 |
| Net charge-offs to loans | 0.0256% | 1,368 |
| Credit loss provision to net charge-offs | -520.0000% | 4,597 |
| Earnings coverage of net charge-offs (x) | 39.0667% | 1,414 |
| Efficiency ratio | 83.3806% | 633 |
| Assets per employee ($millions) | 5.8081% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,663 |
| Loan loss allowance to noncurrent loans | 126.1261% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 1,255 |
| Noncurrent loans to loans | 0.7432% | 1,016 |
| Net loans and leases to total assets | 52.2600% | 3,390 |
| Net loans and leases to deposits | 54.2640% | 3,733 |
| Net loans and leases to core deposits | 61.6130% | 3,551 |
| Total domestic deposits to total assets | 96.3000% | 54 |
| Equity capital to assets | 2.7477% | 4,577 |
| Core capital (leverage) ratio | 7.3100% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9957% | 2,299 |
| Memoranda: | ||
| Average total assets | $228,864,000 | 2,815 |
| Average earning assets | $213,712,000 | 2,800 |
| Average equity | $5,752,667 | 4,223 |
| Average total loans | $116,974,667 | 2,987 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 3,745 |
| Cost of funding earning assets | 1.0808% | 1,806 |
| Net interest margin | 2.7858% | 3,962 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5613% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4278% | 4,043 |
| Return on assets (ROA) | 0.4278% | 3,991 |
| Pretax return on assets | 0.4556% | 4,049 |
| Return on Equity (ROE) | 17.8400% | 1,047 |
| Retained earnings to average equity (ytd only) | 17.8358% | 526 |
| Net charge-offs to loans | -0.0035% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.8991% | 552 |
| Assets per employee ($millions) | 5.9067% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,353 |
| Loan loss allowance to noncurrent loans | 103.4072% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5331% | 970 |
| Noncurrent loans to loans | 1.0026% | 724 |
| Net loans and leases to total assets | 50.3000% | 3,469 |
| Net loans and leases to deposits | 52.1064% | 3,786 |
| Net loans and leases to core deposits | 59.6492% | 3,556 |
| Total domestic deposits to total assets | 96.5400% | 36 |
| Equity capital to assets | 2.6571% | 4,613 |
| Core capital (leverage) ratio | 7.2452% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9620% | 2,406 |
| Memoranda: | ||
| Average total assets | $230,039,000 | 2,844 |
| Average earning assets | $214,662,500 | 2,827 |
| Average equity | $5,517,000 | 4,299 |
| Average total loans | $115,719,000 | 3,024 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 3,541 |
| Cost of funding earning assets | 0.5718% | 1,008 |
| Net interest margin | 2.7470% | 3,983 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3850% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5462% | 4,000 |
| Return on assets (ROA) | 0.5136% | 4,025 |
| Pretax return on assets | 0.5872% | 4,049 |
| Return on Equity (ROE) | 15.0200% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.5857% | 1,611 |
| Net charge-offs to loans | 0.1041% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 13.3455% | 2,075 |
| Efficiency ratio | 79.2450% | 773 |
| Assets per employee ($millions) | 5.8902% | 2,859 |
| Cash dividends to net income (ytd only)* | 42.8335% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,079 |
| Loan loss allowance to noncurrent loans | 105.1127% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 957 |
| Noncurrent loans to loans | 1.0092% | 721 |
| Net loans and leases to total assets | 49.2500% | 3,563 |
| Net loans and leases to deposits | 51.8436% | 3,812 |
| Net loans and leases to core deposits | 58.3812% | 3,593 |
| Total domestic deposits to total assets | 94.9900% | 142 |
| Equity capital to assets | 2.1387% | 4,641 |
| Core capital (leverage) ratio | 6.9965% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8864% | 2,422 |
| Memoranda: | ||
| Average total assets | $235,014,600 | 2,821 |
| Average earning assets | $220,715,800 | 2,797 |
| Average equity | $8,036,600 | 4,091 |
| Average total loans | $105,715,200 | 3,074 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 3,620 |
| Cost of funding earning assets | 0.5128% | 710 |
| Net interest margin | 2.6100% | 4,087 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3435% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5072% | 4,053 |
| Return on assets (ROA) | 0.5072% | 4,004 |
| Pretax return on assets | 0.5839% | 4,017 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 13.5938% | 524 |
| Net charge-offs to loans | 0.0991% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 13.4416% | 1,887 |
| Efficiency ratio | 80.0540% | 773 |
| Assets per employee ($millions) | 6.0992% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 2,808 |
| Loan loss allowance to noncurrent loans | 102.0475% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 835 |
| Noncurrent loans to loans | 1.1241% | 659 |
| Net loans and leases to total assets | 45.1400% | 3,811 |
| Net loans and leases to deposits | 46.2290% | 4,017 |
| Net loans and leases to core deposits | 50.1059% | 3,940 |
| Total domestic deposits to total assets | 97.6400% | 60 |
| Equity capital to assets | 1.6345% | 4,672 |
| Core capital (leverage) ratio | 6.7284% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6080% | 2,213 |
| Memoranda: | ||
| Average total assets | $236,339,000 | 2,828 |
| Average earning assets | $222,323,000 | 2,810 |
| Average equity | $8,817,500 | 4,055 |
| Average total loans | $103,558,000 | 3,111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9009% | 3,776 |
| Cost of funding earning assets | 0.5108% | 488 |
| Net interest margin | 2.3901% | 4,241 |
| Noninterest income to average assets | 0.4961% | 2,223 |
| Noninterest expense to average assets | 2.3305% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3799% | 4,146 |
| Return on assets (ROA) | 0.3799% | 4,100 |
| Pretax return on assets | 0.4198% | 4,126 |
| Return on Equity (ROE) | 8.5654% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.5654% | 1,410 |
| Net charge-offs to loans | 0.0216% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,203 |
| Efficiency ratio | 84.7364% | 639 |
| Assets per employee ($millions) | 6.3151% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,307 |
| Loan loss allowance to noncurrent loans | 100.1527% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 850 |
| Noncurrent loans to loans | 1.2722% | 622 |
| Net loans and leases to total assets | 41.2761% | 4,020 |
| Net loans and leases to deposits | 42.7371% | 4,169 |
| Net loans and leases to core deposits | 45.8603% | 4,128 |
| Total domestic deposits to total assets | 96.5812% | 65 |
| Equity capital to assets | 2.7983% | 4,700 |
| Core capital (leverage) ratio | 6.5837% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9561% | 2,082 |
| Memoranda: | ||
| Average total assets | $235,829,000 | 2,853 |
| Average earning assets | $222,414,333 | 2,835 |
| Average equity | $10,460,667 | 3,938 |
| Average total loans | $101,872,000 | 3,154 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8242% | 3,702 |
| Cost of funding earning assets | 0.5178% | 454 |
| Net interest margin | 2.3064% | 4,228 |
| Noninterest income to average assets | 0.4614% | 2,348 |
| Noninterest expense to average assets | 2.3747% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2637% | 4,216 |
| Return on assets (ROA) | 0.2637% | 4,185 |
| Pretax return on assets | 0.2654% | 4,238 |
| Return on Equity (ROE) | 4.9653% | 3,632 |
| Retained earnings to average equity (ytd only) | 4.9653% | 2,604 |
| Net charge-offs to loans | 0.0355% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,327 |
| Efficiency ratio | 89.9474% | 548 |
| Assets per employee ($millions) | 6.1169% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,331 |
| Loan loss allowance to noncurrent loans | 104.6178% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6621% | 885 |
| Noncurrent loans to loans | 1.2489% | 700 |
| Net loans and leases to total assets | 42.7005% | 3,837 |
| Net loans and leases to deposits | 44.9172% | 4,025 |
| Net loans and leases to core deposits | 48.3574% | 3,967 |
| Total domestic deposits to total assets | 95.0650% | 38 |
| Equity capital to assets | 4.2785% | 4,771 |
| Core capital (leverage) ratio | 6.7114% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5428% | 1,973 |
| Memoranda: | ||
| Average total assets | $230,599,500 | 2,896 |
| Average earning assets | $217,831,000 | 2,876 |
| Average equity | $12,245,000 | 3,837 |
| Average total loans | $101,323,000 | 3,163 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 3,614 |
| Cost of funding earning assets | 0.6015% | 536 |
| Net interest margin | 2.5339% | 4,145 |
| Noninterest income to average assets | 0.5027% | 2,553 |
| Noninterest expense to average assets | 2.3653% | 2,600 |
| Loan and lease loss provision to assets | 0.0140% | 2,803 |
| Net operating income to assets | 0.4442% | 4,194 |
| Return on assets (ROA) | 0.4466% | 4,232 |
| Pretax return on assets | 0.5251% | 4,220 |
| Return on Equity (ROE) | 6.4055% | 3,673 |
| Retained earnings to average equity (ytd only) | 3.2832% | 3,503 |
| Net charge-offs to loans | 0.0018% | 2,584 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 574.0000% | 248 |
| Efficiency ratio | 81.5167% | 718 |
| Assets per employee ($millions) | 5.8656% | 2,892 |
| Cash dividends to net income (ytd only)* | 48.7448% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,374 |
| Loan loss allowance to noncurrent loans | 98.9529% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7082% | 888 |
| Noncurrent loans to loans | 1.3098% | 721 |
| Net loans and leases to total assets | 44.0446% | 3,835 |
| Net loans and leases to deposits | 47.3731% | 4,033 |
| Net loans and leases to core deposits | 51.1281% | 3,960 |
| Total domestic deposits to total assets | 92.9738% | 49 |
| Equity capital to assets | 6.3583% | 4,802 |
| Core capital (leverage) ratio | 6.6866% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2737% | 2,137 |
| Memoranda: | ||
| Average total assets | $214,050,600 | 2,953 |
| Average earning assets | $202,652,400 | 2,935 |
| Average equity | $14,924,600 | 3,646 |
| Average total loans | $110,286,200 | 3,077 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1947% | 3,613 |
| Cost of funding earning assets | 0.6152% | 591 |
| Net interest margin | 2.5795% | 4,162 |
| Noninterest income to average assets | 0.6091% | 2,180 |
| Noninterest expense to average assets | 2.3063% | 2,734 |
| Loan and lease loss provision to assets | 0.0190% | 2,628 |
| Net operating income to assets | 0.5844% | 4,031 |
| Return on assets (ROA) | 0.5875% | 4,073 |
| Pretax return on assets | 0.7295% | 4,015 |
| Return on Equity (ROE) | 8.2291% | 3,337 |
| Retained earnings to average equity (ytd only) | 8.2291% | 1,983 |
| Net charge-offs to loans | 0.0024% | 2,287 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 587.5000% | 261 |
| Efficiency ratio | 75.5920% | 1,065 |
| Assets per employee ($millions) | 6.2376% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,954 |
| Loan loss allowance to noncurrent loans | 79.9879% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 726 |
| Noncurrent loans to loans | 1.5103% | 694 |
| Net loans and leases to total assets | 48.1822% | 3,611 |
| Net loans and leases to deposits | 52.1286% | 3,876 |
| Net loans and leases to core deposits | 56.1612% | 3,763 |
| Total domestic deposits to total assets | 92.4294% | 71 |
| Equity capital to assets | 6.8349% | 4,837 |
| Core capital (leverage) ratio | 6.9985% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5362% | 2,153 |
| Memoranda: | ||
| Average total assets | $210,374,000 | 3,015 |
| Average earning assets | $199,156,000 | 2,992 |
| Average equity | $15,019,500 | 3,679 |
| Average total loans | $112,338,250 | 3,080 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 3,461 |
| Cost of funding earning assets | 0.6339% | 625 |
| Net interest margin | 2.6546% | 4,072 |
| Noninterest income to average assets | 0.5359% | 2,463 |
| Noninterest expense to average assets | 2.3088% | 2,746 |
| Loan and lease loss provision to assets | 0.0292% | 2,394 |
| Net operating income to assets | 0.5739% | 4,037 |
| Return on assets (ROA) | 0.5787% | 4,077 |
| Pretax return on assets | 0.7168% | 4,030 |
| Return on Equity (ROE) | 7.9812% | 3,412 |
| Retained earnings to average equity (ytd only) | 7.9812% | 2,079 |
| Net charge-offs to loans | -0.0106% | 3,688 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7257% | 1,110 |
| Assets per employee ($millions) | 6.1308% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,932 |
| Loan loss allowance to noncurrent loans | 78.2941% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 783 |
| Noncurrent loans to loans | 1.5331% | 736 |
| Net loans and leases to total assets | 49.6364% | 3,590 |
| Net loans and leases to deposits | 53.6701% | 3,880 |
| Net loans and leases to core deposits | 57.5569% | 3,791 |
| Total domestic deposits to total assets | 92.4842% | 69 |
| Equity capital to assets | 6.8298% | 4,873 |
| Core capital (leverage) ratio | 7.2093% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0710% | 2,340 |
| Memoranda: | ||
| Average total assets | $205,648,000 | 3,056 |
| Average earning assets | $194,679,667 | 3,025 |
| Average equity | $14,910,000 | 3,689 |
| Average total loans | $113,278,667 | 3,077 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3637% | 3,296 |
| Cost of funding earning assets | 0.6830% | 582 |
| Net interest margin | 2.6807% | 4,005 |
| Noninterest income to average assets | 0.5653% | 2,350 |
| Noninterest expense to average assets | 2.4491% | 2,328 |
| Loan and lease loss provision to assets | 0.0303% | 2,383 |
| Net operating income to assets | 0.5069% | 4,165 |
| Return on assets (ROA) | 0.5169% | 4,179 |
| Pretax return on assets | 0.6340% | 4,135 |
| Return on Equity (ROE) | 6.9059% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.9059% | 2,604 |
| Net charge-offs to loans | 0.0140% | 1,468 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 700 |
| Efficiency ratio | 78.9714% | 895 |
| Assets per employee ($millions) | 6.0376% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,186 |
| Loan loss allowance to noncurrent loans | 65.7776% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1862% | 631 |
| Noncurrent loans to loans | 1.7503% | 679 |
| Net loans and leases to total assets | 54.6639% | 3,172 |
| Net loans and leases to deposits | 59.2749% | 3,543 |
| Net loans and leases to core deposits | 63.7659% | 3,439 |
| Total domestic deposits to total assets | 92.2209% | 105 |
| Equity capital to assets | 7.0085% | 4,843 |
| Core capital (leverage) ratio | 7.5233% | 4,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,117,500 | 3,107 |
| Average earning assets | $187,412,500 | 3,075 |
| Average equity | $14,828,000 | 3,703 |
| Average total loans | $114,476,500 | 3,069 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 3,059 |
| Cost of funding earning assets | 0.8547% | 1,003 |
| Net interest margin | 3.0344% | 3,813 |
| Noninterest income to average assets | 0.5493% | 2,423 |
| Noninterest expense to average assets | 2.5371% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7047% | 3,420 |
| Return on assets (ROA) | 0.7531% | 3,382 |
| Pretax return on assets | 0.9238% | 3,302 |
| Return on Equity (ROE) | 8.7204% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.9065% | 2,310 |
| Net charge-offs to loans | 0.0018% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 747.0000% | 157 |
| Efficiency ratio | 74.5789% | 1,379 |
| Assets per employee ($millions) | 5.7865% | 2,553 |
| Cash dividends to net income (ytd only)* | 43.7356% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,345 |
| Loan loss allowance to noncurrent loans | 65.0276% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5443% | 464 |
| Noncurrent loans to loans | 1.7266% | 733 |
| Net loans and leases to total assets | 59.7712% | 2,893 |
| Net loans and leases to deposits | 65.5607% | 3,314 |
| Net loans and leases to core deposits | 70.9470% | 3,176 |
| Total domestic deposits to total assets | 91.1691% | 187 |
| Equity capital to assets | 7.9961% | 4,710 |
| Core capital (leverage) ratio | 7.7888% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,755,800 | 3,172 |
| Average earning assets | $162,404,200 | 3,142 |
| Average equity | $14,919,000 | 3,661 |
| Average total loans | $112,402,200 | 3,063 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 2,878 |
| Cost of funding earning assets | 0.8922% | 1,091 |
| Net interest margin | 3.1413% | 3,640 |
| Noninterest income to average assets | 0.5311% | 2,472 |
| Noninterest expense to average assets | 2.5595% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7555% | 3,267 |
| Return on assets (ROA) | 0.8212% | 3,136 |
| Pretax return on assets | 0.9988% | 3,074 |
| Return on Equity (ROE) | 9.3133% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.3133% | 905 |
| Net charge-offs to loans | 0.0060% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 231.8000% | 444 |
| Efficiency ratio | 73.5871% | 1,452 |
| Assets per employee ($millions) | 5.5927% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 3,064 |
| Loan loss allowance to noncurrent loans | 64.6177% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6255% | 498 |
| Noncurrent loans to loans | 1.7412% | 772 |
| Net loans and leases to total assets | 61.5662% | 3,063 |
| Net loans and leases to deposits | 67.9740% | 3,465 |
| Net loans and leases to core deposits | 73.2249% | 3,382 |
| Total domestic deposits to total assets | 90.5732% | 266 |
| Equity capital to assets | 8.4082% | 4,512 |
| Core capital (leverage) ratio | 8.3736% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,206,000 | 3,195 |
| Average earning assets | $157,806,500 | 3,172 |
| Average equity | $14,831,500 | 3,674 |
| Average total loans | $111,644,750 | 3,086 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,800 |
| Cost of funding earning assets | 0.9456% | 1,169 |
| Net interest margin | 3.2425% | 3,545 |
| Noninterest income to average assets | 0.5579% | 2,316 |
| Noninterest expense to average assets | 2.6273% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8106% | 3,005 |
| Return on assets (ROA) | 0.9118% | 2,766 |
| Pretax return on assets | 1.0851% | 2,756 |
| Return on Equity (ROE) | 10.1625% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.1625% | 760 |
| Net charge-offs to loans | 0.0163% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 87.2222% | 762 |
| Efficiency ratio | 73.1440% | 1,547 |
| Assets per employee ($millions) | 5.3430% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 2,828 |
| Loan loss allowance to noncurrent loans | 64.3535% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 488 |
| Noncurrent loans to loans | 1.7723% | 796 |
| Net loans and leases to total assets | 63.3662% | 2,954 |
| Net loans and leases to deposits | 70.0894% | 3,411 |
| Net loans and leases to core deposits | 75.2744% | 3,348 |
| Total domestic deposits to total assets | 90.4077% | 296 |
| Equity capital to assets | 8.6282% | 4,407 |
| Core capital (leverage) ratio | 8.7612% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0866% | 2,143 |
| Memoranda: | ||
| Average total assets | $162,755,000 | 3,223 |
| Average earning assets | $152,287,667 | 3,203 |
| Average equity | $14,602,667 | 3,697 |
| Average total loans | $110,553,333 | 3,090 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 2,603 |
| Cost of funding earning assets | 1.0026% | 1,408 |
| Net interest margin | 3.4018% | 3,291 |
| Noninterest income to average assets | 0.5103% | 2,504 |
| Noninterest expense to average assets | 2.7184% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7398% | 3,132 |
| Return on assets (ROA) | 0.7924% | 3,022 |
| Pretax return on assets | 1.0258% | 2,757 |
| Return on Equity (ROE) | 8.6449% | 2,261 |
| Retained earnings to average equity (ytd only) | 8.6449% | 1,070 |
| Net charge-offs to loans | 0.0366% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,060 |
| Efficiency ratio | 73.9191% | 1,832 |
| Assets per employee ($millions) | 4.8189% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,834 |
| Loan loss allowance to noncurrent loans | 57.3719% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 396 |
| Noncurrent loans to loans | 2.0352% | 693 |
| Net loans and leases to total assets | 68.5553% | 2,460 |
| Net loans and leases to deposits | 76.4077% | 3,035 |
| Net loans and leases to core deposits | 82.7596% | 2,956 |
| Total domestic deposits to total assets | 89.7230% | 407 |
| Equity capital to assets | 9.2036% | 4,461 |
| Core capital (leverage) ratio | 9.2054% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,973,500 | 3,255 |
| Average earning assets | $145,218,500 | 3,236 |
| Average equity | $14,297,500 | 3,737 |
| Average total loans | $109,322,500 | 3,090 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 3,313 |
| Cost of funding earning assets | 0.9200% | 2,115 |
| Net interest margin | 3.4557% | 3,574 |
| Noninterest income to average assets | 0.7936% | 1,471 |
| Noninterest expense to average assets | 2.7913% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9346% | 3,075 |
| Return on assets (ROA) | 0.9404% | 3,138 |
| Pretax return on assets | 1.2386% | 2,706 |
| Return on Equity (ROE) | 10.5766% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.7238% | 1,515 |
| Net charge-offs to loans | 0.0249% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 71.6154% | 873 |
| Efficiency ratio | 69.3901% | 2,267 |
| Assets per employee ($millions) | 4.6340% | 3,041 |
| Cash dividends to net income (ytd only)* | 36.4276% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,446 |
| Loan loss allowance to noncurrent loans | 65.8215% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9657% | 404 |
| Noncurrent loans to loans | 1.8202% | 738 |
| Net loans and leases to total assets | 69.9958% | 2,394 |
| Net loans and leases to deposits | 79.0808% | 2,898 |
| Net loans and leases to core deposits | 85.2595% | 2,850 |
| Total domestic deposits to total assets | 88.5118% | 878 |
| Equity capital to assets | 9.1282% | 4,624 |
| Core capital (leverage) ratio | 9.1243% | 4,426 |
| Tier 1 risk-based capital ratio | 12.8986% | 3,844 |
| Total risk-based capital ratio | 14.0905% | 3,761 |
| Memoranda: | ||
| Average total assets | $151,217,600 | 3,283 |
| Average earning assets | $141,302,400 | 3,259 |
| Average equity | $13,444,800 | 3,831 |
| Average total loans | $104,323,000 | 3,166 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 3,562 |
| Cost of funding earning assets | 0.8976% | 2,245 |
| Net interest margin | 3.4361% | 3,772 |
| Noninterest income to average assets | 0.7295% | 1,665 |
| Noninterest expense to average assets | 2.7534% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9004% | 3,348 |
| Return on assets (ROA) | 0.9081% | 3,394 |
| Pretax return on assets | 1.1981% | 2,985 |
| Return on Equity (ROE) | 10.2829% | 2,314 |
| Retained earnings to average equity (ytd only) | 10.2829% | 684 |
| Net charge-offs to loans | 0.0219% | 2,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 79.0454% | 868 |
| Efficiency ratio | 69.8520% | 2,136 |
| Assets per employee ($millions) | 4.7478% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,384 |
| Loan loss allowance to noncurrent loans | 57.4001% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 372 |
| Noncurrent loans to loans | 2.1313% | 618 |
| Net loans and leases to total assets | 69.4572% | 2,560 |
| Net loans and leases to deposits | 77.4726% | 3,157 |
| Net loans and leases to core deposits | 82.9882% | 3,182 |
| Total domestic deposits to total assets | 89.6539% | 389 |
| Equity capital to assets | 9.3358% | 4,572 |
| Core capital (leverage) ratio | 9.2999% | 4,368 |
| Tier 1 risk-based capital ratio | 13.2437% | 3,721 |
| Total risk-based capital ratio | 14.4653% | 3,640 |
| Memoranda: | ||
| Average total assets | $150,791,500 | 3,322 |
| Average earning assets | $140,972,250 | 3,297 |
| Average equity | $13,316,250 | 3,884 |
| Average total loans | $103,319,500 | 3,219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 3,760 |
| Cost of funding earning assets | 0.8687% | 2,303 |
| Net interest margin | 3.3923% | 3,919 |
| Noninterest income to average assets | 0.7287% | 1,607 |
| Noninterest expense to average assets | 2.7977% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8380% | 3,512 |
| Return on assets (ROA) | 0.8443% | 3,549 |
| Pretax return on assets | 1.1116% | 3,200 |
| Return on Equity (ROE) | 9.7490% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.7490% | 829 |
| Net charge-offs to loans | 0.0313% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 51.8750% | 1,068 |
| Efficiency ratio | 71.7110% | 1,962 |
| Assets per employee ($millions) | 4.7941% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 2,259 |
| Loan loss allowance to noncurrent loans | 88.0215% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6550% | 644 |
| Noncurrent loans to loans | 1.4189% | 1,091 |
| Net loans and leases to total assets | 67.4167% | 2,903 |
| Net loans and leases to deposits | 74.9737% | 3,427 |
| Net loans and leases to core deposits | 80.5439% | 3,382 |
| Total domestic deposits to total assets | 89.9205% | 357 |
| Equity capital to assets | 8.9453% | 4,825 |
| Core capital (leverage) ratio | 9.1168% | 4,534 |
| Tier 1 risk-based capital ratio | 13.2070% | 3,732 |
| Total risk-based capital ratio | 14.4570% | 3,637 |
| Memoranda: | ||
| Average total assets | $150,411,670 | 3,346 |
| Average earning assets | $140,673,000 | 3,318 |
| Average equity | $13,027,000 | 3,933 |
| Average total loans | $102,148,000 | 3,258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,921 |
| Cost of funding earning assets | 0.8468% | 2,287 |
| Net interest margin | 3.3354% | 4,076 |
| Noninterest income to average assets | 0.5910% | 2,090 |
| Noninterest expense to average assets | 2.9064% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6212% | 4,177 |
| Return on assets (ROA) | 0.6339% | 4,181 |
| Pretax return on assets | 0.8220% | 3,990 |
| Return on Equity (ROE) | 7.4454% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.4454% | 1,868 |
| Net charge-offs to loans | 0.0595% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,574 |
| Efficiency ratio | 78.2923% | 1,235 |
| Assets per employee ($millions) | 4.6418% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,237 |
| Loan loss allowance to noncurrent loans | 81.1029% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 585 |
| Noncurrent loans to loans | 1.5633% | 1,021 |
| Net loans and leases to total assets | 68.6269% | 2,673 |
| Net loans and leases to deposits | 76.1110% | 3,252 |
| Net loans and leases to core deposits | 81.6803% | 3,206 |
| Total domestic deposits to total assets | 90.1668% | 397 |
| Equity capital to assets | 8.7897% | 4,827 |
| Core capital (leverage) ratio | 9.1138% | 4,560 |
| Tier 1 risk-based capital ratio | 12.9559% | 3,897 |
| Total risk-based capital ratio | 14.2060% | 3,796 |
| Memoranda: | ||
| Average total assets | $148,912,500 | 3,401 |
| Average earning assets | $139,353,000 | 3,377 |
| Average equity | $12,679,000 | 3,986 |
| Average total loans | $100,856,000 | 3,311 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,915 |
| Cost of funding earning assets | 0.6324% | 2,506 |
| Net interest margin | 3.4084% | 3,978 |
| Noninterest income to average assets | 0.5510% | 2,541 |
| Noninterest expense to average assets | 2.9309% | 2,240 |
| Loan and lease loss provision to assets | -0.2064% | 5,336 |
| Net operating income to assets | 0.7788% | 3,881 |
| Return on assets (ROA) | 0.7718% | 3,913 |
| Pretax return on assets | 0.9946% | 3,625 |
| Return on Equity (ROE) | 9.3258% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,505 |
| Net charge-offs to loans | 0.0022% | 3,666 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,983 |
| Earnings coverage of net charge-offs (x) | 579.5000% | 190 |
| Efficiency ratio | 78.6162% | 1,071 |
| Assets per employee ($millions) | 4.6652% | 2,933 |
| Cash dividends to net income (ytd only)* | 41.5330% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 1,855 |
| Loan loss allowance to noncurrent loans | 79.7590% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 847 |
| Noncurrent loans to loans | 1.6859% | 861 |
| Net loans and leases to total assets | 65.0706% | 3,245 |
| Net loans and leases to deposits | 75.5745% | 3,382 |
| Net loans and leases to core deposits | 80.8015% | 3,367 |
| Total domestic deposits to total assets | 86.1013% | 2,181 |
| Equity capital to assets | 8.2405% | 5,071 |
| Core capital (leverage) ratio | 8.9821% | 4,670 |
| Tier 1 risk-based capital ratio | 13.2737% | 3,681 |
| Total risk-based capital ratio | 14.5241% | 3,560 |
| Memoranda: | ||
| Average total assets | $145,380,800 | 3,440 |
| Average earning assets | $135,519,200 | 3,418 |
| Average equity | $12,031,200 | 4,020 |
| Average total loans | $91,302,800 | 3,457 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,894 |
| Cost of funding earning assets | 0.6102% | 2,405 |
| Net interest margin | 3.3994% | 4,005 |
| Noninterest income to average assets | 0.5143% | 2,775 |
| Noninterest expense to average assets | 2.9574% | 2,150 |
| Loan and lease loss provision to assets | -0.2770% | 5,425 |
| Net operating income to assets | 0.7765% | 3,984 |
| Return on assets (ROA) | 0.7765% | 3,996 |
| Pretax return on assets | 0.9972% | 3,725 |
| Return on Equity (ROE) | 9.3728% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.3728% | 1,086 |
| Net charge-offs to loans | 0.0075% | 3,152 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,864 |
| Earnings coverage of net charge-offs (x) | 155.9175% | 525 |
| Efficiency ratio | 80.4168% | 908 |
| Assets per employee ($millions) | 4.6114% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,630 |
| Loan loss allowance to noncurrent loans | 94.8994% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 1,111 |
| Noncurrent loans to loans | 1.4960% | 1,095 |
| Net loans and leases to total assets | 62.1595% | 3,643 |
| Net loans and leases to deposits | 68.4168% | 4,033 |
| Net loans and leases to core deposits | 72.9273% | 4,017 |
| Total domestic deposits to total assets | 90.8541% | 254 |
| Equity capital to assets | 8.1937% | 5,092 |
| Core capital (leverage) ratio | 9.0494% | 4,657 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,371 |
| Total risk-based capital ratio | 15.2546% | 3,279 |
| Memoranda: | ||
| Average total assets | $144,404,250 | 3,488 |
| Average earning assets | $134,372,750 | 3,471 |
| Average equity | $11,963,500 | 4,067 |
| Average total loans | $89,512,000 | 3,520 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,904 |
| Cost of funding earning assets | 0.5932% | 2,270 |
| Net interest margin | 3.3654% | 4,060 |
| Noninterest income to average assets | 0.6990% | 1,874 |
| Noninterest expense to average assets | 2.9480% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6878% | 4,229 |
| Return on assets (ROA) | 0.6878% | 4,233 |
| Pretax return on assets | 0.8776% | 4,033 |
| Return on Equity (ROE) | 8.2711% | 3,376 |
| Retained earnings to average equity (ytd only) | 8.2711% | 1,506 |
| Net charge-offs to loans | 0.0113% | 2,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 125.8000% | 596 |
| Efficiency ratio | 77.0605% | 1,306 |
| Assets per employee ($millions) | 4.6279% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 709 |
| Loan loss allowance to noncurrent loans | 114.3966% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.1075% | 489 |
| Noncurrent loans to loans | 1.6018% | 1,011 |
| Net loans and leases to total assets | 58.6413% | 3,935 |
| Net loans and leases to deposits | 64.4322% | 4,256 |
| Net loans and leases to core deposits | 68.3755% | 4,231 |
| Total domestic deposits to total assets | 91.0123% | 244 |
| Equity capital to assets | 8.0754% | 5,198 |
| Core capital (leverage) ratio | 8.9556% | 4,724 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,367 |
| Total risk-based capital ratio | 15.2388% | 3,290 |
| Memoranda: | ||
| Average total assets | $143,351,000 | 3,521 |
| Average earning assets | $133,178,000 | 3,515 |
| Average equity | $11,921,000 | 4,097 |
| Average total loans | $88,334,000 | 3,557 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8678% | 4,022 |
| Cost of funding earning assets | 0.5774% | 2,189 |
| Net interest margin | 3.2904% | 4,217 |
| Noninterest income to average assets | 0.7036% | 1,813 |
| Noninterest expense to average assets | 2.9933% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6043% | 4,415 |
| Return on assets (ROA) | 0.6043% | 4,421 |
| Pretax return on assets | 0.7661% | 4,233 |
| Return on Equity (ROE) | 7.1585% | 3,720 |
| Retained earnings to average equity (ytd only) | 7.1585% | 2,209 |
| Net charge-offs to loans | -0.0181% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6226% | 1,185 |
| Assets per employee ($millions) | 4.4579% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 714 |
| Loan loss allowance to noncurrent loans | 80.1377% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.6204% | 341 |
| Noncurrent loans to loans | 2.3054% | 622 |
| Net loans and leases to total assets | 60.7065% | 3,679 |
| Net loans and leases to deposits | 66.8770% | 4,027 |
| Net loans and leases to core deposits | 70.8585% | 4,036 |
| Total domestic deposits to total assets | 90.7734% | 392 |
| Equity capital to assets | 8.2677% | 5,124 |
| Core capital (leverage) ratio | 9.0776% | 4,593 |
| Tier 1 risk-based capital ratio | 13.9495% | 3,406 |
| Total risk-based capital ratio | 15.2054% | 3,318 |
| Memoranda: | ||
| Average total assets | $140,980,500 | 3,589 |
| Average earning assets | $130,926,000 | 3,577 |
| Average equity | $11,902,000 | 4,140 |
| Average total loans | $88,269,000 | 3,582 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7905% | 4,081 |
| Cost of funding earning assets | 0.5481% | 1,967 |
| Net interest margin | 3.2424% | 4,326 |
| Noninterest income to average assets | 0.6484% | 2,205 |
| Noninterest expense to average assets | 2.7465% | 2,972 |
| Loan and lease loss provision to assets | 0.0107% | 4,068 |
| Net operating income to assets | 0.1305% | 5,222 |
| Return on assets (ROA) | 0.1401% | 5,216 |
| Pretax return on assets | 0.8966% | 3,936 |
| Return on Equity (ROE) | 1.5843% | 5,142 |
| Retained earnings to average equity (ytd only) | -1.3270% | 5,214 |
| Net charge-offs to loans | 0.0972% | 2,108 |
| Credit loss provision to net charge-offs | 19.4805% | 3,616 |
| Earnings coverage of net charge-offs (x) | 16.2987% | 2,189 |
| Efficiency ratio | 75.4787% | 1,697 |
| Assets per employee ($millions) | 4.3534% | 3,406 |
| Cash dividends to net income (ytd only)* | 183.7563% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 721 |
| Loan loss allowance to noncurrent loans | 77.9856% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.7199% | 317 |
| Noncurrent loans to loans | 2.3610% | 594 |
| Net loans and leases to total assets | 62.2235% | 3,589 |
| Net loans and leases to deposits | 68.8179% | 3,959 |
| Net loans and leases to core deposits | 72.9256% | 3,976 |
| Total domestic deposits to total assets | 90.4177% | 424 |
| Equity capital to assets | 8.6211% | 5,016 |
| Core capital (leverage) ratio | 8.8262% | 4,834 |
| Tier 1 risk-based capital ratio | 13.6619% | 3,540 |
| Total risk-based capital ratio | 14.9175% | 3,448 |
| Memoranda: | ||
| Average total assets | $140,650,200 | 3,607 |
| Average earning assets | $129,720,600 | 3,591 |
| Average equity | $12,434,200 | 4,066 |
| Average total loans | $79,239,800 | 3,766 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,285 |
| Cost of funding earning assets | 0.5433% | 1,940 |
| Net interest margin | 3.1713% | 4,528 |
| Noninterest income to average assets | 0.6213% | 2,354 |
| Noninterest expense to average assets | 2.7473% | 2,905 |
| Loan and lease loss provision to assets | 0.0142% | 3,862 |
| Net operating income to assets | 0.5520% | 4,567 |
| Return on assets (ROA) | 0.5627% | 4,568 |
| Pretax return on assets | 0.7953% | 4,359 |
| Return on Equity (ROE) | 6.3261% | 3,972 |
| Retained earnings to average equity (ytd only) | 6.3261% | 2,045 |
| Net charge-offs to loans | 0.0329% | 2,775 |
| Credit loss provision to net charge-offs | 78.9474% | 2,601 |
| Earnings coverage of net charge-offs (x) | 44.2152% | 1,216 |
| Efficiency ratio | 77.5701% | 1,387 |
| Assets per employee ($millions) | 4.7907% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 618 |
| Loan loss allowance to noncurrent loans | 73.6336% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.7769% | 342 |
| Noncurrent loans to loans | 2.6566% | 543 |
| Net loans and leases to total assets | 58.7263% | 3,989 |
| Net loans and leases to deposits | 65.2746% | 4,298 |
| Net loans and leases to core deposits | 69.0354% | 4,302 |
| Total domestic deposits to total assets | 89.9681% | 488 |
| Equity capital to assets | 9.0968% | 4,822 |
| Core capital (leverage) ratio | 9.2585% | 4,457 |
| Tier 1 risk-based capital ratio | 14.2616% | 3,321 |
| Total risk-based capital ratio | 15.5185% | 3,218 |
| Memoranda: | ||
| Average total assets | $140,985,500 | 3,635 |
| Average earning assets | $129,829,250 | 3,627 |
| Average equity | $12,540,250 | 4,091 |
| Average total loans | $76,972,500 | 3,841 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6422% | 4,386 |
| Cost of funding earning assets | 0.5418% | 1,829 |
| Net interest margin | 3.1004% | 4,685 |
| Noninterest income to average assets | 0.5997% | 2,459 |
| Noninterest expense to average assets | 2.7500% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5044% | 4,691 |
| Return on assets (ROA) | 0.5054% | 4,726 |
| Pretax return on assets | 0.7025% | 4,540 |
| Return on Equity (ROE) | 5.7271% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.7271% | 2,277 |
| Net charge-offs to loans | 0.0433% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 30.6875% | 1,446 |
| Efficiency ratio | 79.6856% | 1,249 |
| Assets per employee ($millions) | 4.6180% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 510 |
| Loan loss allowance to noncurrent loans | 79.2417% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.6642% | 382 |
| Noncurrent loans to loans | 2.6475% | 537 |
| Net loans and leases to total assets | 54.5031% | 4,353 |
| Net loans and leases to deposits | 60.4812% | 4,590 |
| Net loans and leases to core deposits | 63.4195% | 4,645 |
| Total domestic deposits to total assets | 90.1157% | 502 |
| Equity capital to assets | 8.9866% | 4,921 |
| Core capital (leverage) ratio | 9.1461% | 4,561 |
| Tier 1 risk-based capital ratio | 14.9361% | 2,956 |
| Total risk-based capital ratio | 16.1950% | 2,886 |
| Memoranda: | ||
| Average total assets | $140,073,670 | 3,664 |
| Average earning assets | $128,822,330 | 3,657 |
| Average equity | $12,362,330 | 4,133 |
| Average total loans | $73,934,670 | 3,925 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 4,569 |
| Cost of funding earning assets | 0.5535% | 1,691 |
| Net interest margin | 2.9879% | 4,912 |
| Noninterest income to average assets | 0.5371% | 2,724 |
| Noninterest expense to average assets | 2.7459% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4014% | 4,937 |
| Return on assets (ROA) | 0.4014% | 4,963 |
| Pretax return on assets | 0.5342% | 4,889 |
| Return on Equity (ROE) | 4.5909% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.5909% | 3,128 |
| Net charge-offs to loans | -0.0169% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7148% | 997 |
| Assets per employee ($millions) | 4.4271% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3464% | 385 |
| Loan loss allowance to noncurrent loans | 85.6130% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.6139% | 427 |
| Noncurrent loans to loans | 2.7407% | 536 |
| Net loans and leases to total assets | 49.6485% | 4,700 |
| Net loans and leases to deposits | 54.9290% | 4,887 |
| Net loans and leases to core deposits | 58.2210% | 4,870 |
| Total domestic deposits to total assets | 90.3865% | 519 |
| Equity capital to assets | 8.7163% | 5,062 |
| Core capital (leverage) ratio | 9.2891% | 4,362 |
| Tier 1 risk-based capital ratio | 15.6868% | 2,668 |
| Total risk-based capital ratio | 16.9469% | 2,607 |
| Memoranda: | ||
| Average total assets | $138,532,000 | 3,718 |
| Average earning assets | $127,180,000 | 3,718 |
| Average equity | $12,111,000 | 4,197 |
| Average total loans | $71,053,500 | 4,027 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,123 |
| Cost of funding earning assets | 0.5930% | 1,389 |
| Net interest margin | 3.1376% | 4,622 |
| Noninterest income to average assets | -0.9682% | 5,907 |
| Noninterest expense to average assets | 2.9353% | 2,546 |
| Loan and lease loss provision to assets | -0.2644% | 5,823 |
| Net operating income to assets | -0.4230% | 5,772 |
| Return on assets (ROA) | -0.4230% | 5,779 |
| Pretax return on assets | -0.7960% | 5,815 |
| Return on Equity (ROE) | -4.4127% | 5,781 |
| Retained earnings to average equity (ytd only) | -4.4127% | 5,655 |
| Net charge-offs to loans | -0.0855% | 5,539 |
| Credit loss provision to net charge-offs | 606.5574% | 562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.5549% | 30 |
| Assets per employee ($millions) | 4.5177% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 352 |
| Loan loss allowance to noncurrent loans | 103.4948% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 2.8267% | 380 |
| Noncurrent loans to loans | 2.3273% | 706 |
| Net loans and leases to total assets | 50.4637% | 4,731 |
| Net loans and leases to deposits | 55.9739% | 4,911 |
| Net loans and leases to core deposits | 59.3734% | 4,891 |
| Total domestic deposits to total assets | 90.1558% | 579 |
| Equity capital to assets | 8.8592% | 4,959 |
| Core capital (leverage) ratio | 9.1000% | 4,616 |
| Tier 1 risk-based capital ratio | 15.8668% | 2,600 |
| Total risk-based capital ratio | 17.1266% | 2,528 |
| Memoranda: | ||
| Average total assets | $139,951,000 | 3,674 |
| Average earning assets | $126,816,000 | 3,710 |
| Average equity | $13,415,800 | 4,041 |
| Average total loans | $71,346,200 | 4,012 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,124 |
| Cost of funding earning assets | 0.5905% | 1,409 |
| Net interest margin | 3.1470% | 4,654 |
| Noninterest income to average assets | 0.1843% | 5,359 |
| Noninterest expense to average assets | 2.6788% | 3,404 |
| Loan and lease loss provision to assets | 0.0284% | 3,672 |
| Net operating income to assets | 0.2656% | 5,360 |
| Return on assets (ROA) | 0.2656% | 5,434 |
| Pretax return on assets | 0.3233% | 5,427 |
| Return on Equity (ROE) | 2.7212% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.7212% | 4,264 |
| Net charge-offs to loans | -0.1209% | 5,639 |
| Credit loss provision to net charge-offs | -46.1538% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3968% | 653 |
| Assets per employee ($millions) | 4.6037% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9262% | 205 |
| Loan loss allowance to noncurrent loans | 131.3245% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 4.5279% | 169 |
| Noncurrent loans to loans | 2.2283% | 834 |
| Net loans and leases to total assets | 48.6280% | 4,913 |
| Net loans and leases to deposits | 54.5101% | 5,082 |
| Net loans and leases to core deposits | 57.8166% | 5,060 |
| Total domestic deposits to total assets | 89.2092% | 795 |
| Equity capital to assets | 9.8449% | 4,304 |
| Core capital (leverage) ratio | 9.5095% | 4,166 |
| Tier 1 risk-based capital ratio | 16.5056% | 2,413 |
| Total risk-based capital ratio | 17.7705% | 2,362 |
| Memoranda: | ||
| Average total assets | $141,056,000 | 3,672 |
| Average earning assets | $127,568,250 | 3,709 |
| Average equity | $13,768,000 | 4,005 |
| Average total loans | $71,662,250 | 4,026 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,178 |
| Cost of funding earning assets | 0.5944% | 1,359 |
| Net interest margin | 3.1390% | 4,722 |
| Noninterest income to average assets | 0.6391% | 2,423 |
| Noninterest expense to average assets | 2.6348% | 3,594 |
| Loan and lease loss provision to assets | 0.0427% | 3,294 |
| Net operating income to assets | 0.5551% | 4,459 |
| Return on assets (ROA) | 0.5551% | 4,574 |
| Pretax return on assets | 0.7957% | 4,294 |
| Return on Equity (ROE) | 5.7043% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.7043% | 2,293 |
| Net charge-offs to loans | -0.2593% | 5,855 |
| Credit loss provision to net charge-offs | -32.2581% | 4,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8607% | 2,103 |
| Assets per employee ($millions) | 4.5767% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9751% | 203 |
| Loan loss allowance to noncurrent loans | 124.9263% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 4.9839% | 152 |
| Noncurrent loans to loans | 2.3815% | 755 |
| Net loans and leases to total assets | 48.7299% | 4,927 |
| Net loans and leases to deposits | 54.6944% | 5,095 |
| Net loans and leases to core deposits | 57.9095% | 5,078 |
| Total domestic deposits to total assets | 89.0949% | 877 |
| Equity capital to assets | 9.9755% | 4,257 |
| Core capital (leverage) ratio | 9.5740% | 4,100 |
| Tier 1 risk-based capital ratio | 16.3314% | 2,490 |
| Total risk-based capital ratio | 17.5968% | 2,431 |
| Memoranda: | ||
| Average total assets | $140,503,330 | 3,707 |
| Average earning assets | $126,855,000 | 3,740 |
| Average equity | $13,674,000 | 4,042 |
| Average total loans | $71,719,330 | 4,049 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 3,935 |
| Cost of funding earning assets | 0.6028% | 1,313 |
| Net interest margin | 3.1982% | 4,585 |
| Noninterest income to average assets | 0.6008% | 2,524 |
| Noninterest expense to average assets | 2.6320% | 3,652 |
| Loan and lease loss provision to assets | 0.0858% | 2,251 |
| Net operating income to assets | 0.5350% | 4,485 |
| Return on assets (ROA) | 0.5350% | 4,594 |
| Pretax return on assets | 0.7667% | 4,319 |
| Return on Equity (ROE) | 5.5678% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.5678% | 2,605 |
| Net charge-offs to loans | 0.0667% | 1,822 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 1,312 |
| Efficiency ratio | 75.5337% | 2,244 |
| Assets per employee ($millions) | 4.5705% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8164% | 270 |
| Loan loss allowance to noncurrent loans | 106.2203% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 5.2335% | 151 |
| Noncurrent loans to loans | 2.6515% | 682 |
| Net loans and leases to total assets | 49.0740% | 4,883 |
| Net loans and leases to deposits | 54.8772% | 5,047 |
| Net loans and leases to core deposits | 58.1160% | 5,042 |
| Total domestic deposits to total assets | 89.4251% | 874 |
| Equity capital to assets | 9.6751% | 4,475 |
| Core capital (leverage) ratio | 9.6331% | 3,990 |
| Tier 1 risk-based capital ratio | 16.2937% | 2,560 |
| Total risk-based capital ratio | 17.5581% | 2,510 |
| Memoranda: | ||
| Average total assets | $139,816,000 | 3,748 |
| Average earning assets | $126,070,000 | 3,788 |
| Average equity | $13,434,500 | 4,098 |
| Average total loans | $71,950,500 | 4,068 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,492 |
| Cost of funding earning assets | 0.6492% | 1,078 |
| Net interest margin | 3.3064% | 4,277 |
| Noninterest income to average assets | 0.5430% | 3,054 |
| Noninterest expense to average assets | 2.7930% | 3,259 |
| Loan and lease loss provision to assets | 0.1148% | 2,085 |
| Net operating income to assets | 0.4390% | 4,917 |
| Return on assets (ROA) | 0.4461% | 4,978 |
| Pretax return on assets | 0.6298% | 4,748 |
| Return on Equity (ROE) | 4.5557% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.5557% | 2,740 |
| Net charge-offs to loans | 0.0719% | 2,804 |
| Credit loss provision to net charge-offs | 296.2963% | 999 |
| Earnings coverage of net charge-offs (x) | 18.9630% | 1,977 |
| Efficiency ratio | 79.1785% | 1,793 |
| Assets per employee ($millions) | 4.4750% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 296 |
| Loan loss allowance to noncurrent loans | 81.4437% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 6.4257% | 123 |
| Noncurrent loans to loans | 3.3888% | 425 |
| Net loans and leases to total assets | 50.7183% | 4,805 |
| Net loans and leases to deposits | 57.0059% | 4,979 |
| Net loans and leases to core deposits | 60.3194% | 4,961 |
| Total domestic deposits to total assets | 88.9703% | 1,129 |
| Equity capital to assets | 10.0162% | 3,939 |
| Core capital (leverage) ratio | 9.9430% | 3,587 |
| Tier 1 risk-based capital ratio | 16.3156% | 2,559 |
| Total risk-based capital ratio | 17.5789% | 2,514 |
| Memoranda: | ||
| Average total assets | $139,418,200 | 3,729 |
| Average earning assets | $125,845,200 | 3,777 |
| Average equity | $13,653,200 | 4,024 |
| Average total loans | $75,053,200 | 3,967 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,420 |
| Cost of funding earning assets | 0.6551% | 1,063 |
| Net interest margin | 3.3231% | 4,245 |
| Noninterest income to average assets | 0.5358% | 3,131 |
| Noninterest expense to average assets | 2.7155% | 3,506 |
| Loan and lease loss provision to assets | 0.1242% | 1,830 |
| Net operating income to assets | 0.4909% | 4,826 |
| Return on assets (ROA) | 0.4909% | 4,915 |
| Pretax return on assets | 0.7001% | 4,682 |
| Return on Equity (ROE) | 5.0418% | 4,608 |
| Retained earnings to average equity (ytd only) | 5.0418% | 2,884 |
| Net charge-offs to loans | 0.0845% | 2,339 |
| Credit loss provision to net charge-offs | 270.8333% | 1,065 |
| Earnings coverage of net charge-offs (x) | 17.9788% | 2,025 |
| Efficiency ratio | 76.7134% | 2,126 |
| Assets per employee ($millions) | 5.0387% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6728% | 345 |
| Loan loss allowance to noncurrent loans | 89.3164% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 6.1063% | 135 |
| Noncurrent loans to loans | 2.9925% | 591 |
| Net loans and leases to total assets | 50.9232% | 4,862 |
| Net loans and leases to deposits | 57.1365% | 5,063 |
| Net loans and leases to core deposits | 60.5364% | 5,029 |
| Total domestic deposits to total assets | 89.1256% | 962 |
| Equity capital to assets | 9.9254% | 4,257 |
| Core capital (leverage) ratio | 9.9165% | 3,749 |
| Tier 1 risk-based capital ratio | 16.5086% | 2,569 |
| Total risk-based capital ratio | 17.7717% | 2,527 |
| Memoranda: | ||
| Average total assets | $139,591,500 | 3,762 |
| Average earning assets | $126,183,000 | 3,809 |
| Average equity | $13,592,750 | 4,080 |
| Average total loans | $75,727,500 | 3,985 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,769 |
| Cost of funding earning assets | 0.6568% | 1,066 |
| Net interest margin | 3.2238% | 4,590 |
| Noninterest income to average assets | 0.5478% | 3,052 |
| Noninterest expense to average assets | 2.6974% | 3,600 |
| Loan and lease loss provision to assets | 0.1438% | 1,505 |
| Net operating income to assets | 0.4486% | 4,972 |
| Return on assets (ROA) | 0.4486% | 5,077 |
| Pretax return on assets | 0.6284% | 4,896 |
| Return on Equity (ROE) | 4.6373% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.6373% | 3,088 |
| Net charge-offs to loans | 0.0890% | 2,138 |
| Credit loss provision to net charge-offs | 294.1176% | 937 |
| Earnings coverage of net charge-offs (x) | 15.7941% | 1,952 |
| Efficiency ratio | 77.7455% | 2,105 |
| Assets per employee ($millions) | 5.0230% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6227% | 417 |
| Loan loss allowance to noncurrent loans | 75.3562% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 6.4468% | 142 |
| Noncurrent loans to loans | 3.4804% | 505 |
| Net loans and leases to total assets | 51.6627% | 4,785 |
| Net loans and leases to deposits | 57.7006% | 5,014 |
| Net loans and leases to core deposits | 61.0691% | 5,001 |
| Total domestic deposits to total assets | 89.5359% | 882 |
| Equity capital to assets | 9.5547% | 4,591 |
| Core capital (leverage) ratio | 9.7235% | 3,974 |
| Tier 1 risk-based capital ratio | 15.7914% | 2,958 |
| Total risk-based capital ratio | 17.0533% | 2,915 |
| Memoranda: | ||
| Average total assets | $139,094,330 | 3,795 |
| Average earning assets | $126,062,000 | 3,846 |
| Average equity | $13,456,000 | 4,127 |
| Average total loans | $76,364,330 | 3,993 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8545% | 3,807 |
| Cost of funding earning assets | 0.6530% | 1,098 |
| Net interest margin | 3.2015% | 4,604 |
| Noninterest income to average assets | 0.6189% | 2,553 |
| Noninterest expense to average assets | 2.7270% | 3,498 |
| Loan and lease loss provision to assets | 0.1735% | 1,133 |
| Net operating income to assets | 0.4598% | 4,830 |
| Return on assets (ROA) | 0.4598% | 4,949 |
| Pretax return on assets | 0.6391% | 4,799 |
| Return on Equity (ROE) | 4.7234% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.7234% | 3,205 |
| Net charge-offs to loans | 0.0104% | 2,985 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 140.5000% | 378 |
| Efficiency ratio | 77.0425% | 2,334 |
| Assets per employee ($millions) | 4.7689% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6144% | 454 |
| Loan loss allowance to noncurrent loans | 63.7643% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 6.3674% | 156 |
| Noncurrent loans to loans | 4.1001% | 416 |
| Net loans and leases to total assets | 52.4686% | 4,615 |
| Net loans and leases to deposits | 58.8341% | 4,849 |
| Net loans and leases to core deposits | 63.1016% | 4,772 |
| Total domestic deposits to total assets | 89.1806% | 1,152 |
| Equity capital to assets | 9.9127% | 4,250 |
| Core capital (leverage) ratio | 9.7744% | 3,923 |
| Tier 1 risk-based capital ratio | 15.7884% | 3,021 |
| Total risk-based capital ratio | 17.0504% | 2,954 |
| Memoranda: | ||
| Average total assets | $138,320,000 | 3,836 |
| Average earning assets | $126,191,500 | 3,861 |
| Average equity | $13,465,000 | 4,157 |
| Average total loans | $77,238,000 | 3,986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,152 |
| Cost of funding earning assets | 0.7341% | 928 |
| Net interest margin | 3.1566% | 5,052 |
| Noninterest income to average assets | 0.6268% | 2,701 |
| Noninterest expense to average assets | 2.7315% | 3,745 |
| Loan and lease loss provision to assets | 0.2939% | 701 |
| Net operating income to assets | 0.3756% | 5,304 |
| Return on assets (ROA) | 0.3756% | 5,371 |
| Pretax return on assets | 0.5052% | 5,238 |
| Return on Equity (ROE) | 4.1851% | 5,032 |
| Retained earnings to average equity (ytd only) | 4.1851% | 3,220 |
| Net charge-offs to loans | 1.1783% | 231 |
| Credit loss provision to net charge-offs | 42.0725% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.1440% | 4,492 |
| Efficiency ratio | 77.3678% | 2,298 |
| Assets per employee ($millions) | 4.7704% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3648% | 656 |
| Loan loss allowance to noncurrent loans | 27.5015% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 6.4774% | 171 |
| Noncurrent loans to loans | 8.5988% | 94 |
| Net loans and leases to total assets | 56.4355% | 4,268 |
| Net loans and leases to deposits | 63.0402% | 4,631 |
| Net loans and leases to core deposits | 67.2327% | 4,578 |
| Total domestic deposits to total assets | 89.5231% | 963 |
| Equity capital to assets | 9.5568% | 4,646 |
| Core capital (leverage) ratio | 9.5159% | 4,219 |
| Tier 1 risk-based capital ratio | 15.8107% | 3,051 |
| Total risk-based capital ratio | 17.0727% | 2,997 |
| Memoranda: | ||
| Average total assets | $138,164,200 | 3,835 |
| Average earning assets | $127,098,600 | 3,821 |
| Average equity | $12,401,000 | 4,285 |
| Average total loans | $81,897,400 | 3,821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 4,215 |
| Cost of funding earning assets | 0.7493% | 893 |
| Net interest margin | 3.1381% | 5,152 |
| Noninterest income to average assets | 0.3861% | 4,345 |
| Noninterest expense to average assets | 2.6604% | 3,984 |
| Loan and lease loss provision to assets | 0.3340% | 545 |
| Net operating income to assets | 0.2346% | 5,767 |
| Return on assets (ROA) | 0.2346% | 5,828 |
| Pretax return on assets | 0.2742% | 5,817 |
| Return on Equity (ROE) | 2.6565% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.6565% | 4,703 |
| Net charge-offs to loans | 0.1732% | 2,066 |
| Credit loss provision to net charge-offs | 323.3645% | 862 |
| Earnings coverage of net charge-offs (x) | 5.8880% | 3,178 |
| Efficiency ratio | 81.3940% | 1,692 |
| Assets per employee ($millions) | 5.0303% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2758% | 276 |
| Loan loss allowance to noncurrent loans | 33.4286% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 7.3945% | 153 |
| Noncurrent loans to loans | 9.7995% | 78 |
| Net loans and leases to total assets | 56.3707% | 4,284 |
| Net loans and leases to deposits | 62.5395% | 4,693 |
| Net loans and leases to core deposits | 66.7583% | 4,635 |
| Total domestic deposits to total assets | 90.1362% | 668 |
| Equity capital to assets | 8.9664% | 5,387 |
| Core capital (leverage) ratio | 9.2933% | 4,648 |
| Tier 1 risk-based capital ratio | 15.1204% | 3,519 |
| Total risk-based capital ratio | 16.3889% | 3,444 |
| Memoranda: | ||
| Average total assets | $138,119,750 | 3,862 |
| Average earning assets | $126,866,250 | 3,856 |
| Average equity | $12,196,000 | 4,344 |
| Average total loans | $82,380,500 | 3,837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 4,070 |
| Cost of funding earning assets | 0.7623% | 873 |
| Net interest margin | 3.1541% | 5,078 |
| Noninterest income to average assets | 0.4956% | 3,508 |
| Noninterest expense to average assets | 2.6616% | 4,014 |
| Loan and lease loss provision to assets | 0.4169% | 401 |
| Net operating income to assets | 0.2580% | 5,693 |
| Return on assets (ROA) | 0.2580% | 5,768 |
| Pretax return on assets | 0.3119% | 5,764 |
| Return on Equity (ROE) | 2.9374% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.9374% | 4,336 |
| Net charge-offs to loans | 0.0727% | 2,973 |
| Credit loss provision to net charge-offs | 953.3333% | 346 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,776 |
| Efficiency ratio | 78.5039% | 2,226 |
| Assets per employee ($millions) | 4.9824% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3024% | 275 |
| Loan loss allowance to noncurrent loans | 32.3723% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 7.7774% | 144 |
| Noncurrent loans to loans | 10.2012% | 76 |
| Net loans and leases to total assets | 56.7968% | 4,143 |
| Net loans and leases to deposits | 62.9694% | 4,598 |
| Net loans and leases to core deposits | 67.5686% | 4,501 |
| Total domestic deposits to total assets | 90.1976% | 708 |
| Equity capital to assets | 8.9881% | 5,315 |
| Core capital (leverage) ratio | 9.4048% | 4,462 |
| Tier 1 risk-based capital ratio | 15.0141% | 3,631 |
| Total risk-based capital ratio | 16.2870% | 3,560 |
| Memoranda: | ||
| Average total assets | $137,210,330 | 3,903 |
| Average earning assets | $125,931,670 | 3,891 |
| Average equity | $12,051,670 | 4,386 |
| Average total loans | $82,478,670 | 3,845 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,832 |
| Cost of funding earning assets | 0.7855% | 802 |
| Net interest margin | 3.1803% | 4,986 |
| Noninterest income to average assets | 0.7144% | 2,102 |
| Noninterest expense to average assets | 2.6811% | 3,998 |
| Loan and lease loss provision to assets | 0.6644% | 188 |
| Net operating income to assets | 0.2440% | 5,680 |
| Return on assets (ROA) | 0.2440% | 5,727 |
| Pretax return on assets | 0.2852% | 5,750 |
| Return on Equity (ROE) | 2.8117% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.8117% | 4,406 |
| Net charge-offs to loans | 0.1354% | 1,899 |
| Credit loss provision to net charge-offs | 807.1429% | 369 |
| Earnings coverage of net charge-offs (x) | 11.5357% | 1,776 |
| Efficiency ratio | 73.8462% | 3,172 |
| Assets per employee ($millions) | 4.7280% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2590% | 341 |
| Loan loss allowance to noncurrent loans | 31.0798% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 8.2050% | 160 |
| Noncurrent loans to loans | 10.4859% | 89 |
| Net loans and leases to total assets | 57.3287% | 3,947 |
| Net loans and leases to deposits | 63.4026% | 4,386 |
| Net loans and leases to core deposits | 67.9554% | 4,316 |
| Total domestic deposits to total assets | 90.4202% | 850 |
| Equity capital to assets | 8.7827% | 5,357 |
| Core capital (leverage) ratio | 9.5342% | 4,233 |
| Tier 1 risk-based capital ratio | 15.0255% | 3,700 |
| Total risk-based capital ratio | 16.2969% | 3,638 |
| Memoranda: | ||
| Average total assets | $136,062,500 | 3,958 |
| Average earning assets | $124,769,000 | 3,947 |
| Average equity | $11,808,000 | 4,444 |
| Average total loans | $82,747,500 | 3,868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 4,160 |
| Cost of funding earning assets | 0.9292% | 637 |
| Net interest margin | 3.0484% | 5,451 |
| Noninterest income to average assets | 0.6400% | 2,866 |
| Noninterest expense to average assets | 2.7832% | 3,783 |
| Loan and lease loss provision to assets | 0.1890% | 1,953 |
| Net operating income to assets | 0.3837% | 5,198 |
| Return on assets (ROA) | 0.3919% | 5,282 |
| Pretax return on assets | 0.4911% | 5,226 |
| Return on Equity (ROE) | 4.4527% | 4,911 |
| Retained earnings to average equity (ytd only) | 4.4527% | 3,006 |
| Net charge-offs to loans | 0.4106% | 1,636 |
| Credit loss provision to net charge-offs | 70.1897% | 3,302 |
| Earnings coverage of net charge-offs (x) | 2.4878% | 4,183 |
| Efficiency ratio | 80.6002% | 2,070 |
| Assets per employee ($millions) | 4.8219% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9083% | 522 |
| Loan loss allowance to noncurrent loans | 24.9440% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 8.6243% | 166 |
| Noncurrent loans to loans | 11.6591% | 82 |
| Net loans and leases to total assets | 60.5811% | 3,612 |
| Net loans and leases to deposits | 66.8609% | 4,195 |
| Net loans and leases to core deposits | 71.7873% | 4,098 |
| Total domestic deposits to total assets | 90.6076% | 743 |
| Equity capital to assets | 8.5724% | 5,501 |
| Core capital (leverage) ratio | 9.3140% | 4,528 |
| Tier 1 risk-based capital ratio | 14.6454% | 3,874 |
| Total risk-based capital ratio | 15.9146% | 3,801 |
| Memoranda: | ||
| Average total assets | $137,034,400 | 3,932 |
| Average earning assets | $126,458,600 | 3,919 |
| Average equity | $12,060,200 | 4,428 |
| Average total loans | $89,873,400 | 3,695 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 4,092 |
| Cost of funding earning assets | 0.9464% | 659 |
| Net interest margin | 3.0628% | 5,426 |
| Noninterest income to average assets | 0.5671% | 3,349 |
| Noninterest expense to average assets | 2.5611% | 4,510 |
| Loan and lease loss provision to assets | 0.2123% | 1,717 |
| Net operating income to assets | 0.4450% | 5,043 |
| Return on assets (ROA) | 0.4546% | 5,147 |
| Pretax return on assets | 0.6369% | 4,894 |
| Return on Equity (ROE) | 5.1333% | 4,656 |
| Retained earnings to average equity (ytd only) | 5.1333% | 2,982 |
| Net charge-offs to loans | 0.2556% | 2,280 |
| Credit loss provision to net charge-offs | 125.1429% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.9256% | 3,321 |
| Efficiency ratio | 75.3995% | 2,825 |
| Assets per employee ($millions) | 4.7910% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9510% | 581 |
| Loan loss allowance to noncurrent loans | 29.3574% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 7.8985% | 227 |
| Noncurrent loans to loans | 10.0519% | 129 |
| Net loans and leases to total assets | 61.6376% | 3,430 |
| Net loans and leases to deposits | 67.9969% | 4,059 |
| Net loans and leases to core deposits | 74.0954% | 3,836 |
| Total domestic deposits to total assets | 90.6476% | 685 |
| Equity capital to assets | 8.5060% | 5,733 |
| Core capital (leverage) ratio | 9.2174% | 4,809 |
| Tier 1 risk-based capital ratio | 13.9825% | 4,447 |
| Total risk-based capital ratio | 15.2519% | 4,384 |
| Memoranda: | ||
| Average total assets | $137,539,500 | 3,960 |
| Average earning assets | $127,071,250 | 3,937 |
| Average equity | $12,181,750 | 4,466 |
| Average total loans | $91,281,000 | 3,686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,981 |
| Cost of funding earning assets | 0.9767% | 610 |
| Net interest margin | 3.0596% | 5,399 |
| Noninterest income to average assets | 0.6245% | 3,053 |
| Noninterest expense to average assets | 2.5796% | 4,457 |
| Loan and lease loss provision to assets | 0.2904% | 1,254 |
| Net operating income to assets | 0.4186% | 5,145 |
| Return on assets (ROA) | 0.4333% | 5,247 |
| Pretax return on assets | 0.6041% | 4,999 |
| Return on Equity (ROE) | 4.8281% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.8281% | 3,167 |
| Net charge-offs to loans | 0.2427% | 2,266 |
| Credit loss provision to net charge-offs | 177.6786% | 1,342 |
| Earnings coverage of net charge-offs (x) | 5.3482% | 2,912 |
| Efficiency ratio | 74.6937% | 2,992 |
| Assets per employee ($millions) | 4.7581% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9508% | 615 |
| Loan loss allowance to noncurrent loans | 27.0544% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 8.6132% | 214 |
| Noncurrent loans to loans | 10.9069% | 122 |
| Net loans and leases to total assets | 63.0919% | 3,086 |
| Net loans and leases to deposits | 69.5902% | 3,776 |
| Net loans and leases to core deposits | 75.9377% | 3,552 |
| Total domestic deposits to total assets | 90.6621% | 675 |
| Equity capital to assets | 8.5356% | 5,735 |
| Core capital (leverage) ratio | 9.0002% | 4,988 |
| Tier 1 risk-based capital ratio | 13.6402% | 4,681 |
| Total risk-based capital ratio | 14.9098% | 4,626 |
| Memoranda: | ||
| Average total assets | $137,073,330 | 3,997 |
| Average earning assets | $126,750,000 | 3,974 |
| Average equity | $12,303,000 | 4,465 |
| Average total loans | $92,294,000 | 3,668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,447 |
| Cost of funding earning assets | 1.0269% | 527 |
| Net interest margin | 3.1377% | 5,134 |
| Noninterest income to average assets | 0.6178% | 3,040 |
| Noninterest expense to average assets | 2.5648% | 4,514 |
| Loan and lease loss provision to assets | 0.4070% | 752 |
| Net operating income to assets | 0.3954% | 5,147 |
| Return on assets (ROA) | 0.4245% | 5,182 |
| Pretax return on assets | 0.5944% | 4,965 |
| Return on Equity (ROE) | 4.6158% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.6158% | 3,468 |
| Net charge-offs to loans | -0.0043% | 5,237 |
| Credit loss provision to net charge-offs | -13,900.0000% | 5,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7575% | 3,474 |
| Assets per employee ($millions) | 4.6124% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8847% | 743 |
| Loan loss allowance to noncurrent loans | 50.1207% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 5.4035% | 640 |
| Noncurrent loans to loans | 5.7556% | 599 |
| Net loans and leases to total assets | 65.6891% | 2,426 |
| Net loans and leases to deposits | 72.8368% | 3,080 |
| Net loans and leases to core deposits | 79.9866% | 2,805 |
| Total domestic deposits to total assets | 90.1867% | 939 |
| Equity capital to assets | 9.0928% | 5,376 |
| Core capital (leverage) ratio | 9.0294% | 4,837 |
| Tier 1 risk-based capital ratio | 13.2134% | 5,063 |
| Total risk-based capital ratio | 14.4832% | 5,005 |
| Memoranda: | ||
| Average total assets | $136,617,000 | 4,050 |
| Average earning assets | $126,590,500 | 4,007 |
| Average equity | $12,565,500 | 4,459 |
| Average total loans | $93,588,500 | 3,663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 3,265 |
| Cost of funding earning assets | 1.2252% | 514 |
| Net interest margin | 3.3088% | 5,215 |
| Noninterest income to average assets | 0.6299% | 3,110 |
| Noninterest expense to average assets | 2.6081% | 4,710 |
| Loan and lease loss provision to assets | 0.2490% | 2,663 |
| Net operating income to assets | 0.5757% | 4,357 |
| Return on assets (ROA) | 0.6999% | 3,991 |
| Pretax return on assets | 1.0354% | 3,413 |
| Return on Equity (ROE) | 7.6980% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.6980% | 1,238 |
| Net charge-offs to loans | 0.3282% | 3,001 |
| Credit loss provision to net charge-offs | 107.0513% | 2,769 |
| Earnings coverage of net charge-offs (x) | 4.7372% | 3,273 |
| Efficiency ratio | 70.3034% | 3,753 |
| Assets per employee ($millions) | 4.4954% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7356% | 891 |
| Loan loss allowance to noncurrent loans | 46.8607% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 5.5954% | 661 |
| Noncurrent loans to loans | 5.8377% | 618 |
| Net loans and leases to total assets | 67.4925% | 2,281 |
| Net loans and leases to deposits | 74.9940% | 2,967 |
| Net loans and leases to core deposits | 82.5820% | 2,707 |
| Total domestic deposits to total assets | 89.9971% | 953 |
| Equity capital to assets | 9.3051% | 5,148 |
| Core capital (leverage) ratio | 8.9962% | 4,904 |
| Tier 1 risk-based capital ratio | 13.0478% | 5,075 |
| Total risk-based capital ratio | 14.3156% | 5,007 |
| Memoranda: | ||
| Average total assets | $134,156,400 | 4,057 |
| Average earning assets | $124,877,600 | 3,999 |
| Average equity | $12,198,000 | 4,525 |
| Average total loans | $95,064,800 | 3,639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 2,846 |
| Cost of funding earning assets | 1.2640% | 524 |
| Net interest margin | 3.4249% | 4,947 |
| Noninterest income to average assets | 0.6329% | 3,089 |
| Noninterest expense to average assets | 2.5326% | 4,980 |
| Loan and lease loss provision to assets | 0.1423% | 3,755 |
| Net operating income to assets | 0.7652% | 3,627 |
| Return on assets (ROA) | 0.9165% | 3,125 |
| Pretax return on assets | 1.3763% | 2,317 |
| Return on Equity (ROE) | 10.1399% | 2,281 |
| Retained earnings to average equity (ytd only) | 10.1399% | 879 |
| Net charge-offs to loans | 0.1160% | 4,218 |
| Credit loss provision to net charge-offs | 172.2892% | 1,615 |
| Earnings coverage of net charge-offs (x) | 15.6512% | 1,743 |
| Efficiency ratio | 66.2071% | 4,413 |
| Assets per employee ($millions) | 4.4912% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7312% | 953 |
| Loan loss allowance to noncurrent loans | 1,154.6667% | 386 |
| Noncurrent assets plus other real estate owned to assets | 1.6395% | 3,124 |
| Noncurrent loans to loans | 0.2365% | 6,015 |
| Net loans and leases to total assets | 68.6716% | 2,179 |
| Net loans and leases to deposits | 76.3920% | 2,927 |
| Net loans and leases to core deposits | 84.8948% | 2,590 |
| Total domestic deposits to total assets | 89.8936% | 896 |
| Equity capital to assets | 9.3501% | 5,405 |
| Core capital (leverage) ratio | 8.9870% | 5,091 |
| Tier 1 risk-based capital ratio | 12.8803% | 5,342 |
| Total risk-based capital ratio | 14.1485% | 5,293 |
| Memoranda: | ||
| Average total assets | $133,980,250 | 4,095 |
| Average earning assets | $124,887,000 | 4,043 |
| Average equity | $12,110,250 | 4,586 |
| Average total loans | $95,435,750 | 3,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 2,954 |
| Cost of funding earning assets | 1.2863% | 557 |
| Net interest margin | 3.4041% | 5,067 |
| Noninterest income to average assets | 0.6700% | 2,833 |
| Noninterest expense to average assets | 2.5559% | 4,938 |
| Loan and lease loss provision to assets | 0.1346% | 3,844 |
| Net operating income to assets | 0.7701% | 3,512 |
| Return on assets (ROA) | 0.9975% | 2,698 |
| Pretax return on assets | 1.4971% | 1,852 |
| Return on Equity (ROE) | 11.1654% | 1,931 |
| Retained earnings to average equity (ytd only) | 11.1654% | 717 |
| Net charge-offs to loans | 0.1214% | 3,958 |
| Credit loss provision to net charge-offs | 155.1724% | 1,786 |
| Earnings coverage of net charge-offs (x) | 14.8966% | 1,681 |
| Efficiency ratio | 66.4205% | 4,452 |
| Assets per employee ($millions) | 4.6408% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6849% | 1,057 |
| Loan loss allowance to noncurrent loans | 571.1111% | 645 |
| Noncurrent assets plus other real estate owned to assets | 1.8242% | 3,007 |
| Noncurrent loans to loans | 0.4701% | 5,594 |
| Net loans and leases to total assets | 69.2138% | 2,068 |
| Net loans and leases to deposits | 76.7817% | 2,875 |
| Net loans and leases to core deposits | 85.8209% | 2,453 |
| Total domestic deposits to total assets | 90.1436% | 845 |
| Equity capital to assets | 9.1200% | 5,561 |
| Core capital (leverage) ratio | 8.7285% | 5,334 |
| Tier 1 risk-based capital ratio | 12.5901% | 5,507 |
| Total risk-based capital ratio | 13.8584% | 5,473 |
| Memoranda: | ||
| Average total assets | $133,728,000 | 4,123 |
| Average earning assets | $124,850,670 | 4,054 |
| Average equity | $11,947,670 | 4,615 |
| Average total loans | $95,539,670 | 3,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 3,392 |
| Cost of funding earning assets | 1.3096% | 610 |
| Net interest margin | 3.3141% | 5,421 |
| Noninterest income to average assets | 0.5641% | 3,463 |
| Noninterest expense to average assets | 2.3826% | 5,533 |
| Loan and lease loss provision to assets | 0.1350% | 3,659 |
| Net operating income to assets | 0.7952% | 3,396 |
| Return on assets (ROA) | 0.7952% | 3,641 |
| Pretax return on assets | 1.1523% | 3,103 |
| Return on Equity (ROE) | 8.9949% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.9949% | 1,599 |
| Net charge-offs to loans | 0.2556% | 2,643 |
| Credit loss provision to net charge-offs | 73.7705% | 2,847 |
| Earnings coverage of net charge-offs (x) | 7.0328% | 2,122 |
| Efficiency ratio | 64.9223% | 4,757 |
| Assets per employee ($millions) | 5.1801% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6558% | 1,170 |
| Loan loss allowance to noncurrent loans | 581.1060% | 607 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 3,383 |
| Noncurrent loans to loans | 0.4570% | 5,765 |
| Net loans and leases to total assets | 68.6365% | 2,003 |
| Net loans and leases to deposits | 77.7553% | 2,556 |
| Net loans and leases to core deposits | 86.3370% | 2,253 |
| Total domestic deposits to total assets | 88.2724% | 2,147 |
| Equity capital to assets | 8.8126% | 5,739 |
| Core capital (leverage) ratio | 8.6024% | 5,440 |
| Tier 1 risk-based capital ratio | 12.3205% | 5,740 |
| Total risk-based capital ratio | 13.5878% | 5,689 |
| Memoranda: | ||
| Average total assets | $133,300,500 | 4,161 |
| Average earning assets | $124,922,000 | 4,090 |
| Average equity | $11,784,500 | 4,659 |
| Average total loans | $95,449,500 | 3,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 2,992 |
| Cost of funding earning assets | 1.4350% | 905 |
| Net interest margin | 3.5406% | 4,980 |
| Noninterest income to average assets | 0.5861% | 3,246 |
| Noninterest expense to average assets | 2.3515% | 5,905 |
| Loan and lease loss provision to assets | 0.8942% | 1,074 |
| Net operating income to assets | 0.4870% | 4,480 |
| Return on assets (ROA) | 0.5845% | 4,256 |
| Pretax return on assets | 0.8134% | 3,932 |
| Return on Equity (ROE) | 6.4347% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.9994% | 4,091 |
| Net charge-offs to loans | -0.3737% | 7,261 |
| Credit loss provision to net charge-offs | -321.6524% | 6,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9314% | 5,770 |
| Assets per employee ($millions) | 5.0738% | 2,099 |
| Cash dividends to net income (ytd only)* | 53.3875% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6455% | 1,136 |
| Loan loss allowance to noncurrent loans | 125.0246% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.9626% | 3,020 |
| Noncurrent loans to loans | 2.1160% | 3,049 |
| Net loans and leases to total assets | 70.7995% | 1,868 |
| Net loans and leases to deposits | 80.3534% | 2,456 |
| Net loans and leases to core deposits | 90.5265% | 2,048 |
| Total domestic deposits to total assets | 88.1101% | 2,088 |
| Equity capital to assets | 8.8691% | 5,710 |
| Core capital (leverage) ratio | 8.7871% | 5,121 |
| Tier 1 risk-based capital ratio | 12.2602% | 5,636 |
| Total risk-based capital ratio | 13.5293% | 5,598 |
| Memoranda: | ||
| Average total assets | $126,261,000 | 4,244 |
| Average earning assets | $119,020,400 | 4,155 |
| Average equity | $11,469,000 | 4,667 |
| Average total loans | $93,923,600 | 3,767 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 3,080 |
| Cost of funding earning assets | 1.4646% | 974 |
| Net interest margin | 3.5369% | 5,035 |
| Noninterest income to average assets | 0.5842% | 3,269 |
| Noninterest expense to average assets | 2.3356% | 5,945 |
| Loan and lease loss provision to assets | 0.3193% | 2,985 |
| Net operating income to assets | 0.8519% | 2,933 |
| Return on assets (ROA) | 0.9761% | 2,572 |
| Pretax return on assets | 1.4439% | 1,805 |
| Return on Equity (ROE) | 10.6793% | 1,960 |
| Retained earnings to average equity (ytd only) | 6.0758% | 2,515 |
| Net charge-offs to loans | 0.1113% | 4,895 |
| Credit loss provision to net charge-offs | 383.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 18.9738% | 1,278 |
| Efficiency ratio | 59.6400% | 5,776 |
| Assets per employee ($millions) | 4.9662% | 2,237 |
| Cash dividends to net income (ytd only)* | 43.1071% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,829 |
| Loan loss allowance to noncurrent loans | 70.8195% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.7681% | 3,448 |
| Noncurrent loans to loans | 1.8891% | 3,518 |
| Net loans and leases to total assets | 73.0501% | 1,496 |
| Net loans and leases to deposits | 83.7006% | 2,045 |
| Net loans and leases to core deposits | 93.4381% | 1,838 |
| Total domestic deposits to total assets | 87.2755% | 2,477 |
| Equity capital to assets | 9.1836% | 5,537 |
| Core capital (leverage) ratio | 8.9366% | 5,036 |
| Tier 1 risk-based capital ratio | 12.3326% | 5,638 |
| Total risk-based capital ratio | 13.5941% | 5,610 |
| Memoranda: | ||
| Average total assets | $124,846,500 | 4,299 |
| Average earning assets | $117,613,250 | 4,210 |
| Average equity | $11,411,250 | 4,713 |
| Average total loans | $93,420,500 | 3,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 3,416 |
| Cost of funding earning assets | 1.5136% | 960 |
| Net interest margin | 3.4318% | 5,437 |
| Noninterest income to average assets | 0.5996% | 3,149 |
| Noninterest expense to average assets | 2.3610% | 5,958 |
| Loan and lease loss provision to assets | 0.4116% | 2,377 |
| Net operating income to assets | 0.7207% | 3,438 |
| Return on assets (ROA) | 0.9091% | 2,703 |
| Pretax return on assets | 1.3336% | 2,023 |
| Return on Equity (ROE) | 9.9624% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.9624% | 847 |
| Net charge-offs to loans | 0.1769% | 4,104 |
| Credit loss provision to net charge-offs | 309.7561% | 979 |
| Earnings coverage of net charge-offs (x) | 11.0488% | 1,746 |
| Efficiency ratio | 61.6589% | 5,635 |
| Assets per employee ($millions) | 4.9191% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 5,040 |
| Loan loss allowance to noncurrent loans | 66.7028% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.8312% | 3,467 |
| Noncurrent loans to loans | 1.9563% | 3,536 |
| Net loans and leases to total assets | 72.7396% | 1,640 |
| Net loans and leases to deposits | 82.8681% | 2,301 |
| Net loans and leases to core deposits | 91.1318% | 2,234 |
| Total domestic deposits to total assets | 87.7776% | 2,292 |
| Equity capital to assets | 9.1559% | 5,347 |
| Core capital (leverage) ratio | 8.8269% | 5,006 |
| Tier 1 risk-based capital ratio | 12.4168% | 5,424 |
| Total risk-based capital ratio | 13.6787% | 5,397 |
| Memoranda: | ||
| Average total assets | $123,421,670 | 4,356 |
| Average earning assets | $116,150,330 | 4,271 |
| Average equity | $11,262,330 | 4,747 |
| Average total loans | $92,693,330 | 3,867 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0493% | 2,860 |
| Cost of funding earning assets | 1.5720% | 909 |
| Net interest margin | 3.4773% | 5,112 |
| Noninterest income to average assets | 0.6106% | 3,090 |
| Noninterest expense to average assets | 2.3567% | 6,028 |
| Loan and lease loss provision to assets | 0.4423% | 1,992 |
| Net operating income to assets | 0.7559% | 3,242 |
| Return on assets (ROA) | 0.7559% | 3,306 |
| Pretax return on assets | 1.0826% | 2,822 |
| Return on Equity (ROE) | 8.2982% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.2982% | 1,618 |
| Net charge-offs to loans | 0.0783% | 4,156 |
| Credit loss provision to net charge-offs | 744.4444% | 523 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 954 |
| Efficiency ratio | 60.7143% | 5,873 |
| Assets per employee ($millions) | 4.8044% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 5,408 |
| Loan loss allowance to noncurrent loans | 187.2408% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,947 |
| Noncurrent loans to loans | 0.6667% | 5,697 |
| Net loans and leases to total assets | 74.3442% | 1,295 |
| Net loans and leases to deposits | 84.7528% | 1,916 |
| Net loans and leases to core deposits | 95.1740% | 1,748 |
| Total domestic deposits to total assets | 87.7188% | 2,546 |
| Equity capital to assets | 8.9557% | 5,275 |
| Core capital (leverage) ratio | 8.9056% | 4,763 |
| Tier 1 risk-based capital ratio | 12.1158% | 5,588 |
| Total risk-based capital ratio | 13.3766% | 5,570 |
| Memoranda: | ||
| Average total assets | $121,184,500 | 4,442 |
| Average earning assets | $113,996,000 | 4,356 |
| Average equity | $11,038,500 | 4,792 |
| Average total loans | $91,909,500 | 3,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 3,895 |
| Cost of funding earning assets | 1.6585% | 1,785 |
| Net interest margin | 3.4845% | 5,309 |
| Noninterest income to average assets | 0.6352% | 3,244 |
| Noninterest expense to average assets | 2.5452% | 5,631 |
| Loan and lease loss provision to assets | 0.7599% | 2,158 |
| Net operating income to assets | 0.4400% | 4,364 |
| Return on assets (ROA) | 0.4861% | 4,321 |
| Pretax return on assets | 0.6451% | 4,183 |
| Return on Equity (ROE) | 4.8907% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.8090% | 4,600 |
| Net charge-offs to loans | 0.7440% | 2,789 |
| Credit loss provision to net charge-offs | 139.7010% | 2,716 |
| Earnings coverage of net charge-offs (x) | 2.4701% | 3,885 |
| Efficiency ratio | 65.4507% | 5,078 |
| Assets per employee ($millions) | 4.8939% | 2,302 |
| Cash dividends to net income (ytd only)* | 63.0112% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,611 |
| Loan loss allowance to noncurrent loans | 131.1029% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 5,361 |
| Noncurrent loans to loans | 0.8989% | 5,262 |
| Net loans and leases to total assets | 75.5360% | 1,364 |
| Net loans and leases to deposits | 86.3833% | 2,025 |
| Net loans and leases to core deposits | 99.2061% | 1,681 |
| Total domestic deposits to total assets | 87.4427% | 2,587 |
| Equity capital to assets | 9.2717% | 4,719 |
| Core capital (leverage) ratio | 9.0634% | 4,431 |
| Tier 1 risk-based capital ratio | 12.3752% | 5,138 |
| Total risk-based capital ratio | 13.6095% | 5,122 |
| Memoranda: | ||
| Average total assets | $110,678,600 | 4,698 |
| Average earning assets | $103,344,600 | 4,626 |
| Average equity | $11,000,400 | 4,863 |
| Average total loans | $80,915,600 | 4,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 4,151 |
| Cost of funding earning assets | 1.6549% | 2,077 |
| Net interest margin | 3.4791% | 5,377 |
| Noninterest income to average assets | 0.6288% | 3,263 |
| Noninterest expense to average assets | 2.4725% | 5,814 |
| Loan and lease loss provision to assets | 0.6667% | 2,297 |
| Net operating income to assets | 0.5314% | 4,179 |
| Return on assets (ROA) | 0.5921% | 4,070 |
| Pretax return on assets | 0.8160% | 3,847 |
| Return on Equity (ROE) | 5.8517% | 3,883 |
| Retained earnings to average equity (ytd only) | 1.7531% | 5,089 |
| Net charge-offs to loans | 0.7742% | 2,497 |
| Credit loss provision to net charge-offs | 119.2560% | 3,464 |
| Earnings coverage of net charge-offs (x) | 2.5033% | 3,918 |
| Efficiency ratio | 63.8547% | 5,265 |
| Assets per employee ($millions) | 4.4988% | 2,910 |
| Cash dividends to net income (ytd only)* | 70.0412% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 6,029 |
| Loan loss allowance to noncurrent loans | 162.5448% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 5,831 |
| Noncurrent loans to loans | 0.6630% | 5,876 |
| Net loans and leases to total assets | 74.0231% | 1,799 |
| Net loans and leases to deposits | 85.6310% | 2,419 |
| Net loans and leases to core deposits | 97.7779% | 2,068 |
| Total domestic deposits to total assets | 86.4443% | 2,827 |
| Equity capital to assets | 9.9085% | 4,280 |
| Core capital (leverage) ratio | 9.5866% | 3,788 |
| Tier 1 risk-based capital ratio | 13.0064% | 4,574 |
| Total risk-based capital ratio | 14.1249% | 4,664 |
| Memoranda: | ||
| Average total assets | $108,984,750 | 4,800 |
| Average earning assets | $101,594,250 | 4,740 |
| Average equity | $11,028,000 | 4,915 |
| Average total loans | $78,700,000 | 4,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 4,412 |
| Cost of funding earning assets | 1.6827% | 2,204 |
| Net interest margin | 3.4253% | 5,536 |
| Noninterest income to average assets | 0.6362% | 3,091 |
| Noninterest expense to average assets | 2.4429% | 5,934 |
| Loan and lease loss provision to assets | 0.0965% | 5,949 |
| Net operating income to assets | 0.8714% | 2,653 |
| Return on assets (ROA) | 0.9571% | 2,424 |
| Pretax return on assets | 1.4097% | 1,816 |
| Return on Equity (ROE) | 9.3909% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.3909% | 987 |
| Net charge-offs to loans | -0.0078% | 7,164 |
| Credit loss provision to net charge-offs | -1,733.3333% | 6,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9010% | 5,358 |
| Assets per employee ($millions) | 4.2857% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,955 |
| Loan loss allowance to noncurrent loans | 95.3108% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 5,071 |
| Noncurrent loans to loans | 1.1502% | 5,037 |
| Net loans and leases to total assets | 73.5930% | 2,008 |
| Net loans and leases to deposits | 85.5984% | 2,574 |
| Net loans and leases to core deposits | 98.5243% | 2,173 |
| Total domestic deposits to total assets | 85.9747% | 3,110 |
| Equity capital to assets | 10.6102% | 3,266 |
| Core capital (leverage) ratio | 9.7634% | 3,455 |
| Tier 1 risk-based capital ratio | 14.1937% | 3,609 |
| Total risk-based capital ratio | 15.3305% | 3,634 |
| Memoranda: | ||
| Average total assets | $107,823,330 | 4,864 |
| Average earning assets | $100,312,330 | 4,799 |
| Average equity | $10,989,330 | 4,924 |
| Average total loans | $76,880,000 | 4,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 5,007 |
| Cost of funding earning assets | 1.6972% | 2,406 |
| Net interest margin | 3.3068% | 5,947 |
| Noninterest income to average assets | 0.5806% | 3,413 |
| Noninterest expense to average assets | 2.3927% | 6,114 |
| Loan and lease loss provision to assets | 0.0851% | 5,786 |
| Net operating income to assets | 0.7955% | 2,983 |
| Return on assets (ROA) | 0.9615% | 2,389 |
| Pretax return on assets | 1.4164% | 1,728 |
| Return on Equity (ROE) | 9.6296% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.6296% | 1,229 |
| Net charge-offs to loans | -0.0106% | 6,905 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5522% | 5,212 |
| Assets per employee ($millions) | 4.4405% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 6,020 |
| Loan loss allowance to noncurrent loans | 101.1990% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 5,610 |
| Noncurrent loans to loans | 1.0833% | 5,188 |
| Net loans and leases to total assets | 68.5872% | 3,257 |
| Net loans and leases to deposits | 80.6935% | 3,515 |
| Net loans and leases to core deposits | 100.0920% | 2,118 |
| Total domestic deposits to total assets | 84.9971% | 3,681 |
| Equity capital to assets | 9.8197% | 4,083 |
| Core capital (leverage) ratio | 10.0470% | 3,106 |
| Tier 1 risk-based capital ratio | 14.9060% | 3,148 |
| Total risk-based capital ratio | 16.0871% | 3,149 |
| Memoranda: | ||
| Average total assets | $108,164,000 | 4,920 |
| Average earning assets | $100,400,000 | 4,867 |
| Average equity | $10,800,000 | 5,029 |
| Average total loans | $75,458,500 | 4,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 4,228 |
| Cost of funding earning assets | 2.0793% | 2,573 |
| Net interest margin | 3.4056% | 5,340 |
| Noninterest income to average assets | 0.3380% | 5,671 |
| Noninterest expense to average assets | 2.6904% | 5,434 |
| Loan and lease loss provision to assets | 0.3276% | 4,851 |
| Net operating income to assets | 0.2567% | 4,697 |
| Return on assets (ROA) | 0.3495% | 4,419 |
| Pretax return on assets | 0.6311% | 3,810 |
| Return on Equity (ROE) | 3.2303% | 4,405 |
| Retained earnings to average equity (ytd only) | 3.2303% | 2,898 |
| Net charge-offs to loans | 0.1021% | 6,113 |
| Credit loss provision to net charge-offs | 461.7647% | 674 |
| Earnings coverage of net charge-offs (x) | 11.4706% | 1,588 |
| Efficiency ratio | 76.7788% | 3,396 |
| Assets per employee ($millions) | 4.2126% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 5,859 |
| Loan loss allowance to noncurrent loans | 183.6323% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 6,235 |
| Noncurrent loans to loans | 0.6032% | 6,030 |
| Net loans and leases to total assets | 69.4234% | 3,382 |
| Net loans and leases to deposits | 82.2902% | 3,575 |
| Net loans and leases to core deposits | 136.4398% | 937 |
| Total domestic deposits to total assets | 84.3642% | 3,855 |
| Equity capital to assets | 10.1590% | 3,550 |
| Core capital (leverage) ratio | 9.9497% | 3,142 |
| Tier 1 risk-based capital ratio | 15.7353% | 2,629 |
| Total risk-based capital ratio | 16.9760% | 2,573 |
| Memoranda: | ||
| Average total assets | $95,859,400 | 5,208 |
| Average earning assets | $89,117,200 | 5,152 |
| Average equity | $10,370,400 | 5,200 |
| Average total loans | $66,595,000 | 4,998 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 4,115 |
| Cost of funding earning assets | 2.1443% | 2,683 |
| Net interest margin | 3.4118% | 5,208 |
| Noninterest income to average assets | 0.2382% | 6,526 |
| Noninterest expense to average assets | 2.7138% | 5,262 |
| Loan and lease loss provision to assets | 0.3551% | 4,196 |
| Net operating income to assets | 0.1241% | 5,396 |
| Return on assets (ROA) | 0.2510% | 5,069 |
| Pretax return on assets | 0.5305% | 4,421 |
| Return on Equity (ROE) | 2.2809% | 5,067 |
| Retained earnings to average equity (ytd only) | 2.2809% | 4,052 |
| Net charge-offs to loans | 0.1297% | 5,399 |
| Credit loss provision to net charge-offs | 395.2381% | 1,011 |
| Earnings coverage of net charge-offs (x) | 7.6506% | 2,374 |
| Efficiency ratio | 79.7904% | 2,878 |
| Assets per employee ($millions) | 4.0382% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 6,025 |
| Loan loss allowance to noncurrent loans | 265.3846% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 6,792 |
| Noncurrent loans to loans | 0.3945% | 6,553 |
| Net loans and leases to total assets | 71.0522% | 3,259 |
| Net loans and leases to deposits | 85.0648% | 3,485 |
| Net loans and leases to core deposits | 137.4875% | 1,034 |
| Total domestic deposits to total assets | 83.5272% | 3,944 |
| Equity capital to assets | 10.6217% | 3,380 |
| Core capital (leverage) ratio | 10.2743% | 3,000 |
| Tier 1 risk-based capital ratio | 16.2357% | 2,543 |
| Total risk-based capital ratio | 17.4413% | 2,496 |
| Memoranda: | ||
| Average total assets | $93,495,250 | 5,314 |
| Average earning assets | $86,678,000 | 5,282 |
| Average equity | $10,288,250 | 5,261 |
| Average total loans | $64,760,500 | 5,116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 4,031 |
| Cost of funding earning assets | 2.2114% | 2,741 |
| Net interest margin | 3.3971% | 5,184 |
| Noninterest income to average assets | 0.1055% | 7,450 |
| Noninterest expense to average assets | 2.8217% | 4,868 |
| Loan and lease loss provision to assets | 0.3274% | 3,975 |
| Net operating income to assets | -0.1076% | 6,026 |
| Return on assets (ROA) | 0.0879% | 5,696 |
| Pretax return on assets | 0.3846% | 4,977 |
| Return on Equity (ROE) | 0.7887% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.7887% | 4,875 |
| Net charge-offs to loans | 0.1479% | 4,710 |
| Credit loss provision to net charge-offs | 323.9130% | 1,443 |
| Earnings coverage of net charge-offs (x) | 4.0217% | 3,239 |
| Efficiency ratio | 87.4064% | 2,086 |
| Assets per employee ($millions) | 3.9123% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,172 |
| Loan loss allowance to noncurrent loans | 142.3158% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 6,030 |
| Noncurrent loans to loans | 0.7089% | 5,823 |
| Net loans and leases to total assets | 67.8172% | 4,180 |
| Net loans and leases to deposits | 76.2589% | 5,130 |
| Net loans and leases to core deposits | 125.9686% | 1,877 |
| Total domestic deposits to total assets | 88.9302% | 1,299 |
| Equity capital to assets | 10.3438% | 3,575 |
| Core capital (leverage) ratio | 10.6017% | 2,730 |
| Tier 1 risk-based capital ratio | 16.7453% | 2,384 |
| Total risk-based capital ratio | 17.8687% | 2,364 |
| Memoranda: | ||
| Average total assets | $91,009,000 | 5,431 |
| Average earning assets | $83,658,670 | 5,425 |
| Average equity | $10,143,330 | 5,319 |
| Average total loans | $62,184,330 | 5,248 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 3,057 |
| Cost of funding earning assets | 2.2871% | 2,757 |
| Net interest margin | 3.5577% | 4,494 |
| Noninterest income to average assets | 0.5616% | 3,820 |
| Noninterest expense to average assets | 2.8125% | 4,506 |
| Loan and lease loss provision to assets | 0.2465% | 4,004 |
| Net operating income to assets | 0.4841% | 4,495 |
| Return on assets (ROA) | 0.8903% | 2,888 |
| Pretax return on assets | 1.3971% | 1,974 |
| Return on Equity (ROE) | 7.6798% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.6798% | 1,941 |
| Net charge-offs to loans | -0.0067% | 7,218 |
| Credit loss provision to net charge-offs | -5,400.0000% | 6,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5962% | 3,899 |
| Assets per employee ($millions) | 3.5643% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,141 |
| Loan loss allowance to noncurrent loans | 92.3529% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 5,157 |
| Noncurrent loans to loans | 1.0877% | 4,809 |
| Net loans and leases to total assets | 66.7843% | 4,389 |
| Net loans and leases to deposits | 75.9334% | 5,235 |
| Net loans and leases to core deposits | 122.1163% | 2,244 |
| Total domestic deposits to total assets | 87.9512% | 1,768 |
| Equity capital to assets | 11.1327% | 2,868 |
| Core capital (leverage) ratio | 11.6818% | 2,053 |
| Tier 1 risk-based capital ratio | 18.4349% | 1,951 |
| Total risk-based capital ratio | 19.5670% | 1,936 |
| Memoranda: | ||
| Average total assets | $87,610,000 | 5,560 |
| Average earning assets | $80,275,500 | 5,542 |
| Average equity | $10,156,500 | 5,336 |
| Average total loans | $59,773,500 | 5,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2285% | 4,366 |
| Cost of funding earning assets | 2.4889% | 4,262 |
| Net interest margin | 3.7396% | 4,277 |
| Noninterest income to average assets | 0.7274% | 2,926 |
| Noninterest expense to average assets | 3.1742% | 3,433 |
| Loan and lease loss provision to assets | 0.1219% | 5,798 |
| Net operating income to assets | 0.5444% | 4,552 |
| Return on assets (ROA) | 0.5570% | 4,349 |
| Pretax return on assets | 0.9384% | 3,592 |
| Return on Equity (ROE) | 4.4016% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.4016% | 2,384 |
| Net charge-offs to loans | 0.0793% | 5,630 |
| Credit loss provision to net charge-offs | 226.8293% | 2,093 |
| Earnings coverage of net charge-offs (x) | 19.3659% | 1,634 |
| Efficiency ratio | 75.3109% | 3,353 |
| Assets per employee ($millions) | 3.3019% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 6,000 |
| Loan loss allowance to noncurrent loans | 108.3176% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 5,297 |
| Noncurrent loans to loans | 0.9276% | 4,761 |
| Net loans and leases to total assets | 68.3913% | 4,393 |
| Net loans and leases to deposits | 78.6763% | 5,247 |
| Net loans and leases to core deposits | 118.5531% | 2,830 |
| Total domestic deposits to total assets | 86.9274% | 1,970 |
| Equity capital to assets | 12.1095% | 2,224 |
| Core capital (leverage) ratio | 12.2256% | 1,871 |
| Tier 1 risk-based capital ratio | 18.5807% | 1,899 |
| Total risk-based capital ratio | 19.6430% | 1,884 |
| Memoranda: | ||
| Average total assets | $76,302,400 | 5,823 |
| Average earning assets | $71,156,400 | 5,775 |
| Average equity | $9,655,600 | 5,521 |
| Average total loans | $51,729,000 | 5,630 |