Home > Interamerican Bank, A FSB > Performance and Condition Ratios
Interamerican Bank, A FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2793% | 851 |
| Cost of funding earning assets | 1.7854% | 2,485 |
| Net interest margin | 4.4939% | 632 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 3.7190% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6303% | 3,282 |
| Return on assets (ROA) | 0.6303% | 3,301 |
| Pretax return on assets | 0.8459% | 3,092 |
| Return on Equity (ROE) | 4.6300% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.6325% | 2,674 |
| Net charge-offs to loans | -0.0036% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 81.4693% | 846 |
| Assets per employee ($millions) | 3.6691% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 325 |
| Loan loss allowance to noncurrent loans | 177.6400% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9935% | 710 |
| Noncurrent loans to loans | 1.1986% | 887 |
| Net loans and leases to total assets | 81.1200% | 491 |
| Net loans and leases to deposits | 96.4878% | 590 |
| Net loans and leases to core deposits | 119.2114% | 578 |
| Total domestic deposits to total assets | 84.0700% | 2,879 |
| Equity capital to assets | 13.6506% | 760 |
| Core capital (leverage) ratio | 13.8622% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9641% | 581 |
| Memoranda: | ||
| Average total assets | $267,166,000 | 2,639 |
| Average earning assets | $256,972,500 | 2,592 |
| Average equity | $36,352,000 | 2,172 |
| Average total loans | $219,723,000 | 2,288 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2723% | 950 |
| Cost of funding earning assets | 1.8828% | 2,509 |
| Net interest margin | 4.3895% | 749 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 3.5913% | 522 |
| Loan and lease loss provision to assets | -0.0700% | 4,314 |
| Net operating income to assets | 0.8213% | 2,634 |
| Return on assets (ROA) | 0.8213% | 2,633 |
| Pretax return on assets | 0.9976% | 2,535 |
| Return on Equity (ROE) | 6.1100% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.1814% | 2,166 |
| Net charge-offs to loans | -0.0402% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 79.4876% | 1,081 |
| Assets per employee ($millions) | 3.6012% | 4,200 |
| Cash dividends to net income (ytd only)* | 15.2527% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 294 |
| Loan loss allowance to noncurrent loans | 182.2214% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 693 |
| Noncurrent loans to loans | 1.1925% | 847 |
| Net loans and leases to total assets | 79.8200% | 677 |
| Net loans and leases to deposits | 97.7901% | 600 |
| Net loans and leases to core deposits | 120.1750% | 599 |
| Total domestic deposits to total assets | 81.6300% | 3,307 |
| Equity capital to assets | 13.5622% | 757 |
| Core capital (leverage) ratio | 13.6471% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0544% | 661 |
| Memoranda: | ||
| Average total assets | $262,631,200 | 2,638 |
| Average earning assets | $253,511,800 | 2,576 |
| Average equity | $35,280,000 | 2,157 |
| Average total loans | $208,788,600 | 2,304 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1055% | 1,022 |
| Cost of funding earning assets | 1.7570% | 2,733 |
| Net interest margin | 4.3484% | 742 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 3.4872% | 584 |
| Loan and lease loss provision to assets | -0.0600% | 4,343 |
| Net operating income to assets | 0.7991% | 2,626 |
| Return on assets (ROA) | 0.7991% | 2,644 |
| Pretax return on assets | 1.0199% | 2,420 |
| Return on Equity (ROE) | 5.9700% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.9725% | 2,020 |
| Net charge-offs to loans | -0.1028% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.4972% | 1,248 |
| Assets per employee ($millions) | 3.5288% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 232 |
| Loan loss allowance to noncurrent loans | 162.5693% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 457 |
| Noncurrent loans to loans | 1.5198% | 564 |
| Net loans and leases to total assets | 77.6700% | 945 |
| Net loans and leases to deposits | 91.6750% | 1,155 |
| Net loans and leases to core deposits | 109.5104% | 989 |
| Total domestic deposits to total assets | 84.7200% | 2,393 |
| Equity capital to assets | 13.1820% | 827 |
| Core capital (leverage) ratio | 13.1674% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9447% | 683 |
| Memoranda: | ||
| Average total assets | $260,035,333 | 2,645 |
| Average earning assets | $251,446,000 | 2,584 |
| Average equity | $34,793,000 | 2,148 |
| Average total loans | $202,270,333 | 2,331 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9249% | 1,158 |
| Cost of funding earning assets | 1.7684% | 2,591 |
| Net interest margin | 4.1565% | 907 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 3.4271% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6220% | 3,093 |
| Return on assets (ROA) | 0.6220% | 3,119 |
| Pretax return on assets | 0.8033% | 2,914 |
| Return on Equity (ROE) | 4.6100% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.6128% | 2,519 |
| Net charge-offs to loans | -0.0203% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.0122% | 1,131 |
| Assets per employee ($millions) | 3.4102% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6047% | 168 |
| Loan loss allowance to noncurrent loans | 181.7460% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 502 |
| Noncurrent loans to loans | 1.4331% | 568 |
| Net loans and leases to total assets | 75.0000% | 1,203 |
| Net loans and leases to deposits | 88.4984% | 1,322 |
| Net loans and leases to core deposits | 106.3004% | 1,090 |
| Total domestic deposits to total assets | 84.7500% | 2,490 |
| Equity capital to assets | 13.2191% | 811 |
| Core capital (leverage) ratio | 13.5258% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6194% | 636 |
| Memoranda: | ||
| Average total assets | $255,957,000 | 2,669 |
| Average earning assets | $247,901,500 | 2,608 |
| Average equity | $34,513,000 | 2,160 |
| Average total loans | $196,615,500 | 2,373 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5426% | 1,106 |
| Cost of funding earning assets | 1.1096% | 3,043 |
| Net interest margin | 4.4331% | 677 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.4264% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3044% | 1,428 |
| Return on assets (ROA) | 1.3044% | 1,394 |
| Pretax return on assets | 1.4473% | 1,540 |
| Return on Equity (ROE) | 10.1400% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.1525% | 1,221 |
| Net charge-offs to loans | -0.0460% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.3035% | 1,838 |
| Assets per employee ($millions) | 3.2380% | 4,342 |
| Cash dividends to net income (ytd only)* | 9.7691% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7521% | 150 |
| Loan loss allowance to noncurrent loans | 317.2601% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 802 |
| Noncurrent loans to loans | 0.8675% | 880 |
| Net loans and leases to total assets | 74.5100% | 1,293 |
| Net loans and leases to deposits | 87.2740% | 1,509 |
| Net loans and leases to core deposits | 104.5675% | 1,191 |
| Total domestic deposits to total assets | 85.3700% | 2,197 |
| Equity capital to assets | 13.7628% | 719 |
| Core capital (leverage) ratio | 13.4458% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6136% | 564 |
| Memoranda: | ||
| Average total assets | $258,961,400 | 2,626 |
| Average earning assets | $252,262,400 | 2,562 |
| Average equity | $33,302,200 | 2,127 |
| Average total loans | $180,240,400 | 2,442 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4166% | 1,109 |
| Cost of funding earning assets | 0.9906% | 3,063 |
| Net interest margin | 4.4260% | 679 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.3627% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6013% | 939 |
| Return on assets (ROA) | 1.6013% | 933 |
| Pretax return on assets | 1.6013% | 1,356 |
| Return on Equity (ROE) | 12.6600% | 1,965 |
| Retained earnings to average equity (ytd only) | 12.6636% | 862 |
| Net charge-offs to loans | -0.0548% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.7423% | 2,042 |
| Assets per employee ($millions) | 3.3616% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8902% | 133 |
| Loan loss allowance to noncurrent loans | 373.7179% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5355% | 1,096 |
| Noncurrent loans to loans | 0.7734% | 1,077 |
| Net loans and leases to total assets | 67.2400% | 2,134 |
| Net loans and leases to deposits | 78.3047% | 2,219 |
| Net loans and leases to core deposits | 91.4367% | 1,838 |
| Total domestic deposits to total assets | 85.8700% | 2,242 |
| Equity capital to assets | 13.1213% | 786 |
| Core capital (leverage) ratio | 13.2330% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6934% | 505 |
| Memoranda: | ||
| Average total assets | $261,370,500 | 2,621 |
| Average earning assets | $254,641,500 | 2,549 |
| Average equity | $33,049,250 | 2,122 |
| Average total loans | $177,546,250 | 2,472 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1085% | 1,077 |
| Cost of funding earning assets | 0.7527% | 2,889 |
| Net interest margin | 4.3558% | 739 |
| Noninterest income to average assets | 1.5400% | 317 |
| Noninterest expense to average assets | 3.3439% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4423% | 261 |
| Return on assets (ROA) | 2.4423% | 258 |
| Pretax return on assets | 2.4423% | 385 |
| Return on Equity (ROE) | 20.0700% | 756 |
| Retained earnings to average equity (ytd only) | 20.0686% | 374 |
| Net charge-offs to loans | -0.0181% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.7912% | 3,216 |
| Assets per employee ($millions) | 3.7328% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9271% | 140 |
| Loan loss allowance to noncurrent loans | 451.7873% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 1,190 |
| Noncurrent loans to loans | 0.6479% | 1,164 |
| Net loans and leases to total assets | 64.8400% | 2,168 |
| Net loans and leases to deposits | 74.7657% | 2,233 |
| Net loans and leases to core deposits | 83.0542% | 2,055 |
| Total domestic deposits to total assets | 86.7300% | 2,361 |
| Equity capital to assets | 12.4043% | 893 |
| Core capital (leverage) ratio | 12.4811% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5977% | 526 |
| Memoranda: | ||
| Average total assets | $263,522,500 | 2,652 |
| Average earning assets | $256,671,500 | 2,575 |
| Average equity | $32,070,000 | 2,213 |
| Average total loans | $176,576,500 | 2,495 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 2,352 |
| Cost of funding earning assets | 0.2957% | 2,912 |
| Net interest margin | 3.4750% | 2,010 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 3.0967% | 839 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 0.5979% | 3,886 |
| Return on assets (ROA) | 0.5979% | 3,842 |
| Pretax return on assets | 0.6459% | 3,951 |
| Return on Equity (ROE) | 5.3700% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.3656% | 2,888 |
| Net charge-offs to loans | -0.3518% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.6122% | 434 |
| Assets per employee ($millions) | 3.6904% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9378% | 127 |
| Loan loss allowance to noncurrent loans | 383.2593% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 988 |
| Noncurrent loans to loans | 0.7665% | 977 |
| Net loans and leases to total assets | 65.2400% | 2,118 |
| Net loans and leases to deposits | 75.4141% | 2,141 |
| Net loans and leases to core deposits | 80.9852% | 2,079 |
| Total domestic deposits to total assets | 86.5100% | 2,567 |
| Equity capital to assets | 11.9325% | 953 |
| Core capital (leverage) ratio | 11.7052% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4334% | 588 |
| Memoranda: | ||
| Average total assets | $270,929,200 | 2,602 |
| Average earning assets | $264,144,800 | 2,529 |
| Average equity | $30,192,400 | 2,326 |
| Average total loans | $168,584,200 | 2,471 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4398% | 2,803 |
| Cost of funding earning assets | 0.2408% | 2,810 |
| Net interest margin | 3.1991% | 2,626 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 3.0648% | 835 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 0.3841% | 4,263 |
| Return on assets (ROA) | 0.3841% | 4,212 |
| Pretax return on assets | 0.4476% | 4,213 |
| Return on Equity (ROE) | 3.5100% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.5065% | 3,616 |
| Net charge-offs to loans | -0.4671% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.5840% | 284 |
| Assets per employee ($millions) | 3.7713% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0191% | 132 |
| Loan loss allowance to noncurrent loans | 342.8951% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 963 |
| Noncurrent loans to loans | 0.8805% | 892 |
| Net loans and leases to total assets | 61.0900% | 2,393 |
| Net loans and leases to deposits | 69.5779% | 2,403 |
| Net loans and leases to core deposits | 73.2528% | 2,408 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 11.2074% | 1,096 |
| Core capital (leverage) ratio | 11.0354% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2802% | 620 |
| Memoranda: | ||
| Average total assets | $273,157,500 | 2,606 |
| Average earning assets | $266,363,750 | 2,532 |
| Average equity | $29,924,250 | 2,371 |
| Average total loans | $166,701,250 | 2,485 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9564% | 3,661 |
| Cost of funding earning assets | 0.2256% | 2,576 |
| Net interest margin | 2.7307% | 3,641 |
| Noninterest income to average assets | 0.1973% | 4,013 |
| Noninterest expense to average assets | 2.9266% | 950 |
| Loan and lease loss provision to assets | -0.2484% | 4,708 |
| Net operating income to assets | 0.1571% | 4,468 |
| Return on assets (ROA) | 0.1571% | 4,433 |
| Pretax return on assets | 0.1812% | 4,426 |
| Return on Equity (ROE) | 1.4451% | 4,411 |
| Retained earnings to average equity (ytd only) | 1.4451% | 3,888 |
| Net charge-offs to loans | -0.0351% | 4,110 |
| Credit loss provision to net charge-offs | 1,172.4138% | 365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3511% | 169 |
| Assets per employee ($millions) | 3.8485% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 194 |
| Loan loss allowance to noncurrent loans | 187.9331% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 576 |
| Noncurrent loans to loans | 1.4507% | 518 |
| Net loans and leases to total assets | 59.3576% | 2,401 |
| Net loans and leases to deposits | 67.2697% | 2,447 |
| Net loans and leases to core deposits | 70.6037% | 2,438 |
| Total domestic deposits to total assets | 88.2383% | 2,485 |
| Equity capital to assets | 10.7761% | 1,325 |
| Core capital (leverage) ratio | 10.9035% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9771% | 630 |
| Memoranda: | ||
| Average total assets | $273,698,000 | 2,623 |
| Average earning assets | $266,815,333 | 2,558 |
| Average equity | $29,755,000 | 2,430 |
| Average total loans | $165,254,333 | 2,508 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8803% | 3,580 |
| Cost of funding earning assets | 0.2249% | 2,465 |
| Net interest margin | 2.6554% | 3,511 |
| Noninterest income to average assets | 0.2000% | 3,966 |
| Noninterest expense to average assets | 2.9735% | 851 |
| Loan and lease loss provision to assets | -0.3529% | 4,738 |
| Net operating income to assets | 0.1676% | 4,380 |
| Return on assets (ROA) | 0.1676% | 4,349 |
| Pretax return on assets | 0.1662% | 4,368 |
| Return on Equity (ROE) | 1.5352% | 4,339 |
| Retained earnings to average equity (ytd only) | 1.5352% | 3,677 |
| Net charge-offs to loans | -0.0514% | 4,266 |
| Credit loss provision to net charge-offs | 1,142.8571% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7018% | 160 |
| Assets per employee ($millions) | 3.8007% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8952% | 173 |
| Loan loss allowance to noncurrent loans | 143.3974% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 367 |
| Noncurrent loans to loans | 2.0190% | 363 |
| Net loans and leases to total assets | 57.6306% | 2,335 |
| Net loans and leases to deposits | 65.2661% | 2,406 |
| Net loans and leases to core deposits | 68.1879% | 2,440 |
| Total domestic deposits to total assets | 88.3010% | 2,389 |
| Equity capital to assets | 10.8749% | 1,397 |
| Core capital (leverage) ratio | 10.9563% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6960% | 588 |
| Memoranda: | ||
| Average total assets | $271,999,500 | 2,647 |
| Average earning assets | $264,969,500 | 2,586 |
| Average equity | $29,702,500 | 2,500 |
| Average total loans | $163,338,000 | 2,520 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 3,198 |
| Cost of funding earning assets | 0.2682% | 2,721 |
| Net interest margin | 3.0377% | 3,082 |
| Noninterest income to average assets | 0.4446% | 2,838 |
| Noninterest expense to average assets | 3.1319% | 810 |
| Loan and lease loss provision to assets | -0.0981% | 4,525 |
| Net operating income to assets | 0.2955% | 4,425 |
| Return on assets (ROA) | 0.2955% | 4,450 |
| Pretax return on assets | 0.3622% | 4,431 |
| Return on Equity (ROE) | 2.5709% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.5709% | 3,810 |
| Net charge-offs to loans | -0.2663% | 4,739 |
| Credit loss provision to net charge-offs | 56.0538% | 2,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2232% | 266 |
| Assets per employee ($millions) | 3.7549% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9957% | 147 |
| Loan loss allowance to noncurrent loans | 146.4583% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 385 |
| Noncurrent loans to loans | 2.0454% | 383 |
| Net loans and leases to total assets | 58.9412% | 2,277 |
| Net loans and leases to deposits | 66.7966% | 2,429 |
| Net loans and leases to core deposits | 69.8255% | 2,465 |
| Total domestic deposits to total assets | 88.2397% | 1,913 |
| Equity capital to assets | 10.9657% | 1,811 |
| Core capital (leverage) ratio | 11.1639% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5412% | 593 |
| Memoranda: | ||
| Average total assets | $254,828,600 | 2,693 |
| Average earning assets | $247,591,400 | 2,629 |
| Average equity | $29,289,200 | 2,581 |
| Average total loans | $167,500,000 | 2,489 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3383% | 3,286 |
| Cost of funding earning assets | 0.2823% | 2,772 |
| Net interest margin | 3.0560% | 3,161 |
| Noninterest income to average assets | 0.5016% | 2,617 |
| Noninterest expense to average assets | 3.2314% | 679 |
| Loan and lease loss provision to assets | -0.1327% | 4,666 |
| Net operating income to assets | 0.3044% | 4,512 |
| Return on assets (ROA) | 0.3044% | 4,534 |
| Pretax return on assets | 0.3709% | 4,526 |
| Return on Equity (ROE) | 2.6164% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.6164% | 4,027 |
| Net charge-offs to loans | -0.2186% | 4,779 |
| Credit loss provision to net charge-offs | 90.5797% | 1,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1394% | 250 |
| Assets per employee ($millions) | 3.6801% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8380% | 187 |
| Loan loss allowance to noncurrent loans | 111.2125% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 293 |
| Noncurrent loans to loans | 2.5518% | 287 |
| Net loans and leases to total assets | 61.3873% | 2,092 |
| Net loans and leases to deposits | 69.8238% | 2,261 |
| Net loans and leases to core deposits | 73.4338% | 2,286 |
| Total domestic deposits to total assets | 87.9175% | 1,892 |
| Equity capital to assets | 11.1205% | 1,935 |
| Core capital (leverage) ratio | 11.2239% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7516% | 719 |
| Memoranda: | ||
| Average total assets | $250,948,000 | 2,737 |
| Average earning assets | $243,709,000 | 2,671 |
| Average equity | $29,200,000 | 2,617 |
| Average total loans | $168,307,750 | 2,519 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 2,898 |
| Cost of funding earning assets | 0.3056% | 2,733 |
| Net interest margin | 3.1920% | 2,779 |
| Noninterest income to average assets | 0.4767% | 2,727 |
| Noninterest expense to average assets | 3.3239% | 597 |
| Loan and lease loss provision to assets | -0.2030% | 4,758 |
| Net operating income to assets | 0.3849% | 4,414 |
| Return on assets (ROA) | 0.3849% | 4,453 |
| Pretax return on assets | 0.4515% | 4,452 |
| Return on Equity (ROE) | 3.2565% | 4,438 |
| Retained earnings to average equity (ytd only) | 3.2565% | 3,761 |
| Net charge-offs to loans | -0.3191% | 4,847 |
| Credit loss provision to net charge-offs | 92.9368% | 1,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0439% | 271 |
| Assets per employee ($millions) | 3.6084% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8876% | 172 |
| Loan loss allowance to noncurrent loans | 104.2637% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 234 |
| Noncurrent loans to loans | 2.7696% | 278 |
| Net loans and leases to total assets | 61.4084% | 2,248 |
| Net loans and leases to deposits | 70.0004% | 2,409 |
| Net loans and leases to core deposits | 73.2371% | 2,489 |
| Total domestic deposits to total assets | 87.7258% | 1,970 |
| Equity capital to assets | 11.3035% | 1,750 |
| Core capital (leverage) ratio | 11.4781% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1558% | 684 |
| Memoranda: | ||
| Average total assets | $246,274,000 | 2,762 |
| Average earning assets | $238,849,333 | 2,699 |
| Average equity | $29,111,333 | 2,619 |
| Average total loans | $168,607,333 | 2,522 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 2,976 |
| Cost of funding earning assets | 0.3433% | 2,580 |
| Net interest margin | 3.1394% | 2,873 |
| Noninterest income to average assets | 0.5879% | 2,256 |
| Noninterest expense to average assets | 3.2917% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3023% | 4,517 |
| Return on assets (ROA) | 0.3023% | 4,552 |
| Pretax return on assets | 0.3357% | 4,560 |
| Return on Equity (ROE) | 2.4980% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.4980% | 3,918 |
| Net charge-offs to loans | -0.0164% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7459% | 349 |
| Assets per employee ($millions) | 3.4452% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8070% | 182 |
| Loan loss allowance to noncurrent loans | 101.0463% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 249 |
| Noncurrent loans to loans | 2.7780% | 303 |
| Net loans and leases to total assets | 65.1476% | 1,906 |
| Net loans and leases to deposits | 74.3976% | 2,083 |
| Net loans and leases to core deposits | 77.8468% | 2,201 |
| Total domestic deposits to total assets | 87.5669% | 2,061 |
| Equity capital to assets | 11.5603% | 1,504 |
| Core capital (leverage) ratio | 12.1307% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4784% | 734 |
| Memoranda: | ||
| Average total assets | $239,508,500 | 2,802 |
| Average earning assets | $231,888,000 | 2,730 |
| Average equity | $28,983,500 | 2,619 |
| Average total loans | $170,768,000 | 2,510 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 1,898 |
| Cost of funding earning assets | 0.4754% | 3,116 |
| Net interest margin | 3.8137% | 1,462 |
| Noninterest income to average assets | 0.3259% | 3,510 |
| Noninterest expense to average assets | 3.5993% | 596 |
| Loan and lease loss provision to assets | -0.0446% | 4,931 |
| Net operating income to assets | 0.4202% | 4,207 |
| Return on assets (ROA) | 0.4202% | 4,286 |
| Pretax return on assets | 0.4328% | 4,372 |
| Return on Equity (ROE) | 3.1754% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.1754% | 3,246 |
| Net charge-offs to loans | -0.1114% | 4,827 |
| Credit loss provision to net charge-offs | 50.2618% | 3,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2658% | 370 |
| Assets per employee ($millions) | 3.2974% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7319% | 201 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 170 |
| Noncurrent loans to loans | 2.9504% | 290 |
| Net loans and leases to total assets | 73.9428% | 1,026 |
| Net loans and leases to deposits | 85.6397% | 1,277 |
| Net loans and leases to core deposits | 89.8950% | 1,530 |
| Total domestic deposits to total assets | 86.3418% | 2,212 |
| Equity capital to assets | 12.6992% | 1,232 |
| Core capital (leverage) ratio | 12.5925% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3905% | 730 |
| Memoranda: | ||
| Average total assets | $215,126,000 | 2,827 |
| Average earning assets | $206,543,000 | 2,772 |
| Average equity | $28,469,000 | 2,574 |
| Average total loans | $171,513,800 | 2,475 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 1,833 |
| Cost of funding earning assets | 0.5110% | 3,155 |
| Net interest margin | 3.8971% | 1,357 |
| Noninterest income to average assets | 0.3207% | 3,564 |
| Noninterest expense to average assets | 3.6045% | 610 |
| Loan and lease loss provision to assets | -0.0604% | 4,987 |
| Net operating income to assets | 0.4955% | 4,056 |
| Return on assets (ROA) | 0.4955% | 4,139 |
| Pretax return on assets | 0.5125% | 4,256 |
| Return on Equity (ROE) | 3.7043% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.7043% | 3,190 |
| Net charge-offs to loans | -0.0499% | 4,672 |
| Credit loss provision to net charge-offs | 150.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8544% | 394 |
| Assets per employee ($millions) | 3.3276% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 187 |
| Loan loss allowance to noncurrent loans | 87.4144% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.9233% | 159 |
| Noncurrent loans to loans | 3.1045% | 293 |
| Net loans and leases to total assets | 71.7892% | 1,699 |
| Net loans and leases to deposits | 83.0611% | 2,011 |
| Net loans and leases to core deposits | 87.7009% | 2,175 |
| Total domestic deposits to total assets | 86.4294% | 1,887 |
| Equity capital to assets | 12.5327% | 1,408 |
| Core capital (leverage) ratio | 12.9234% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8544% | 696 |
| Memoranda: | ||
| Average total assets | $212,027,750 | 2,833 |
| Average earning assets | $203,254,750 | 2,780 |
| Average equity | $28,363,000 | 2,568 |
| Average total loans | $171,152,500 | 2,476 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,749 |
| Cost of funding earning assets | 0.5695% | 3,131 |
| Net interest margin | 3.9924% | 1,345 |
| Noninterest income to average assets | 0.3327% | 3,475 |
| Noninterest expense to average assets | 3.7144% | 562 |
| Loan and lease loss provision to assets | -0.0931% | 5,028 |
| Net operating income to assets | 0.5103% | 3,990 |
| Return on assets (ROA) | 0.5103% | 4,070 |
| Pretax return on assets | 0.5335% | 4,194 |
| Return on Equity (ROE) | 3.7271% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.7271% | 3,050 |
| Net charge-offs to loans | -0.0501% | 4,683 |
| Credit loss provision to net charge-offs | 223.2558% | 1,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4000% | 404 |
| Assets per employee ($millions) | 3.0129% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6231% | 193 |
| Loan loss allowance to noncurrent loans | 75.4658% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 3.4651% | 114 |
| Noncurrent loans to loans | 3.4759% | 230 |
| Net loans and leases to total assets | 78.3250% | 812 |
| Net loans and leases to deposits | 91.3726% | 1,227 |
| Net loans and leases to core deposits | 97.5525% | 1,449 |
| Total domestic deposits to total assets | 85.7204% | 2,116 |
| Equity capital to assets | 13.1447% | 1,101 |
| Core capital (leverage) ratio | 13.5920% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9719% | 777 |
| Memoranda: | ||
| Average total assets | $206,168,000 | 2,852 |
| Average earning assets | $197,377,333 | 2,807 |
| Average equity | $28,225,333 | 2,576 |
| Average total loans | $171,726,333 | 2,454 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 1,515 |
| Cost of funding earning assets | 0.6462% | 3,184 |
| Net interest margin | 4.1193% | 1,093 |
| Noninterest income to average assets | 0.2570% | 4,003 |
| Noninterest expense to average assets | 3.9724% | 522 |
| Loan and lease loss provision to assets | -0.1912% | 5,081 |
| Net operating income to assets | 0.3646% | 4,208 |
| Return on assets (ROA) | 0.3646% | 4,247 |
| Pretax return on assets | 0.4124% | 4,272 |
| Return on Equity (ROE) | 2.6068% | 4,307 |
| Retained earnings to average equity (ytd only) | 2.6068% | 3,222 |
| Net charge-offs to loans | -0.0399% | 4,565 |
| Credit loss provision to net charge-offs | 564.7059% | 819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7268% | 357 |
| Assets per employee ($millions) | 2.7421% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6512% | 202 |
| Loan loss allowance to noncurrent loans | 78.4385% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 3.6239% | 126 |
| Noncurrent loans to loans | 3.3800% | 290 |
| Net loans and leases to total assets | 83.4817% | 305 |
| Net loans and leases to deposits | 98.5458% | 653 |
| Net loans and leases to core deposits | 108.5435% | 923 |
| Total domestic deposits to total assets | 84.7136% | 2,522 |
| Equity capital to assets | 14.0739% | 1,033 |
| Core capital (leverage) ratio | 14.2234% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7094% | 898 |
| Memoranda: | ||
| Average total assets | $200,786,000 | 2,861 |
| Average earning assets | $191,879,500 | 2,816 |
| Average equity | $28,080,500 | 2,571 |
| Average total loans | $170,345,000 | 2,449 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4002% | 666 |
| Cost of funding earning assets | 0.6337% | 3,494 |
| Net interest margin | 4.7665% | 416 |
| Noninterest income to average assets | 0.3485% | 3,616 |
| Noninterest expense to average assets | 4.0472% | 504 |
| Loan and lease loss provision to assets | -0.1887% | 5,116 |
| Net operating income to assets | 0.8568% | 3,370 |
| Return on assets (ROA) | 0.8568% | 3,456 |
| Pretax return on assets | 1.0291% | 3,392 |
| Return on Equity (ROE) | 6.3047% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.3047% | 1,715 |
| Net charge-offs to loans | -0.2841% | 5,087 |
| Credit loss provision to net charge-offs | 79.9578% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8053% | 745 |
| Assets per employee ($millions) | 2.7216% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7391% | 163 |
| Loan loss allowance to noncurrent loans | 121.0458% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.6202% | 237 |
| Noncurrent loans to loans | 2.2629% | 533 |
| Net loans and leases to total assets | 81.6296% | 595 |
| Net loans and leases to deposits | 102.0731% | 465 |
| Net loans and leases to core deposits | 115.9590% | 601 |
| Total domestic deposits to total assets | 79.9717% | 3,982 |
| Equity capital to assets | 13.8972% | 1,138 |
| Core capital (leverage) ratio | 14.1938% | 881 |
| Tier 1 risk-based capital ratio | 18.6525% | 1,602 |
| Total risk-based capital ratio | 19.9254% | 1,564 |
| Memoranda: | ||
| Average total assets | $200,854,400 | 2,835 |
| Average earning assets | $191,272,000 | 2,785 |
| Average equity | $27,297,000 | 2,540 |
| Average total loans | $166,857,400 | 2,447 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 538 |
| Cost of funding earning assets | 0.6319% | 3,527 |
| Net interest margin | 4.9194% | 333 |
| Noninterest income to average assets | 0.3667% | 3,518 |
| Noninterest expense to average assets | 4.0407% | 505 |
| Loan and lease loss provision to assets | -0.2518% | 5,217 |
| Net operating income to assets | 1.0655% | 2,713 |
| Return on assets (ROA) | 1.0655% | 2,798 |
| Pretax return on assets | 1.2581% | 2,786 |
| Return on Equity (ROE) | 7.8846% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.8846% | 1,450 |
| Net charge-offs to loans | -0.3672% | 5,170 |
| Credit loss provision to net charge-offs | 82.7511% | 2,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0605% | 920 |
| Assets per employee ($millions) | 2.6558% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7265% | 168 |
| Loan loss allowance to noncurrent loans | 98.5266% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 3.0801% | 178 |
| Noncurrent loans to loans | 2.7673% | 386 |
| Net loans and leases to total assets | 82.6432% | 500 |
| Net loans and leases to deposits | 97.5190% | 871 |
| Net loans and leases to core deposits | 109.6448% | 965 |
| Total domestic deposits to total assets | 84.7458% | 2,527 |
| Equity capital to assets | 13.9931% | 1,159 |
| Core capital (leverage) ratio | 13.8997% | 1,010 |
| Tier 1 risk-based capital ratio | 17.8943% | 1,852 |
| Total risk-based capital ratio | 19.1655% | 1,789 |
| Memoranda: | ||
| Average total assets | $200,718,000 | 2,853 |
| Average earning assets | $190,966,750 | 2,808 |
| Average equity | $27,124,000 | 2,564 |
| Average total loans | $166,313,750 | 2,473 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7035% | 405 |
| Cost of funding earning assets | 0.6102% | 3,601 |
| Net interest margin | 5.0933% | 239 |
| Noninterest income to average assets | 0.3995% | 3,276 |
| Noninterest expense to average assets | 4.1425% | 447 |
| Loan and lease loss provision to assets | -0.3767% | 5,283 |
| Net operating income to assets | 1.2424% | 1,994 |
| Return on assets (ROA) | 1.2424% | 2,047 |
| Pretax return on assets | 1.4700% | 1,952 |
| Return on Equity (ROE) | 9.3024% | 2,725 |
| Retained earnings to average equity (ytd only) | 9.3024% | 959 |
| Net charge-offs to loans | -0.5673% | 5,233 |
| Credit loss provision to net charge-offs | 80.8102% | 2,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1192% | 1,048 |
| Assets per employee ($millions) | 2.6623% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7413% | 170 |
| Loan loss allowance to noncurrent loans | 105.6660% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9193% | 213 |
| Noncurrent loans to loans | 2.5943% | 437 |
| Net loans and leases to total assets | 82.1789% | 579 |
| Net loans and leases to deposits | 96.7888% | 955 |
| Net loans and leases to core deposits | 109.1090% | 1,028 |
| Total domestic deposits to total assets | 84.9053% | 2,521 |
| Equity capital to assets | 13.7815% | 1,203 |
| Core capital (leverage) ratio | 13.9875% | 963 |
| Tier 1 risk-based capital ratio | 18.2767% | 1,734 |
| Total risk-based capital ratio | 19.5486% | 1,688 |
| Memoranda: | ||
| Average total assets | $201,229,330 | 2,864 |
| Average earning assets | $191,075,000 | 2,815 |
| Average equity | $26,874,670 | 2,573 |
| Average total loans | $165,343,000 | 2,487 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4984% | 525 |
| Cost of funding earning assets | 0.5784% | 3,682 |
| Net interest margin | 4.9199% | 327 |
| Noninterest income to average assets | 0.4336% | 2,951 |
| Noninterest expense to average assets | 3.9484% | 569 |
| Loan and lease loss provision to assets | -0.3485% | 5,329 |
| Net operating income to assets | 1.2000% | 2,055 |
| Return on assets (ROA) | 1.2000% | 2,106 |
| Pretax return on assets | 1.4990% | 1,778 |
| Return on Equity (ROE) | 9.1289% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.1289% | 1,275 |
| Net charge-offs to loans | -0.9434% | 5,303 |
| Credit loss provision to net charge-offs | 45.5959% | 2,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4369% | 1,335 |
| Assets per employee ($millions) | 2.6947% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8784% | 148 |
| Loan loss allowance to noncurrent loans | 96.7972% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 3.1440% | 191 |
| Noncurrent loans to loans | 2.9737% | 373 |
| Net loans and leases to total assets | 79.2188% | 960 |
| Net loans and leases to deposits | 95.8936% | 978 |
| Net loans and leases to core deposits | 106.8551% | 1,113 |
| Total domestic deposits to total assets | 82.6112% | 3,531 |
| Equity capital to assets | 13.2884% | 1,299 |
| Core capital (leverage) ratio | 13.5484% | 1,080 |
| Tier 1 risk-based capital ratio | 18.6727% | 1,612 |
| Total risk-based capital ratio | 19.9478% | 1,571 |
| Memoranda: | ||
| Average total assets | $202,007,500 | 2,884 |
| Average earning assets | $191,547,500 | 2,837 |
| Average equity | $26,553,000 | 2,603 |
| Average total loans | $163,657,500 | 2,522 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 2,226 |
| Cost of funding earning assets | 0.4523% | 3,667 |
| Net interest margin | 4.1192% | 1,622 |
| Noninterest income to average assets | 0.4078% | 3,393 |
| Noninterest expense to average assets | 4.1355% | 442 |
| Loan and lease loss provision to assets | -0.2901% | 5,360 |
| Net operating income to assets | 0.3514% | 4,943 |
| Return on assets (ROA) | 0.3514% | 4,940 |
| Pretax return on assets | 0.4548% | 4,868 |
| Return on Equity (ROE) | 2.7704% | 4,944 |
| Retained earnings to average equity (ytd only) | 2.7704% | 4,016 |
| Net charge-offs to loans | -0.4664% | 5,339 |
| Credit loss provision to net charge-offs | 79.5699% | 2,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1705% | 210 |
| Assets per employee ($millions) | 3.3101% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7913% | 166 |
| Loan loss allowance to noncurrent loans | 73.4889% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 4.0532% | 112 |
| Noncurrent loans to loans | 3.7983% | 205 |
| Net loans and leases to total assets | 78.2180% | 1,241 |
| Net loans and leases to deposits | 93.8218% | 1,305 |
| Net loans and leases to core deposits | 101.8397% | 1,591 |
| Total domestic deposits to total assets | 83.3687% | 3,204 |
| Equity capital to assets | 13.0006% | 1,345 |
| Core capital (leverage) ratio | 13.0698% | 1,219 |
| Tier 1 risk-based capital ratio | 18.1200% | 1,726 |
| Total risk-based capital ratio | 19.3933% | 1,669 |
| Memoranda: | ||
| Average total assets | $204,036,600 | 2,819 |
| Average earning assets | $192,804,400 | 2,791 |
| Average equity | $25,880,600 | 2,575 |
| Average total loans | $159,517,800 | 2,533 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 2,287 |
| Cost of funding earning assets | 0.4299% | 3,662 |
| Net interest margin | 4.0751% | 1,707 |
| Noninterest income to average assets | 0.4425% | 3,218 |
| Noninterest expense to average assets | 4.2111% | 391 |
| Loan and lease loss provision to assets | -0.3272% | 5,433 |
| Net operating income to assets | 0.3194% | 5,075 |
| Return on assets (ROA) | 0.3194% | 5,068 |
| Pretax return on assets | 0.4080% | 5,029 |
| Return on Equity (ROE) | 2.5334% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.5334% | 4,387 |
| Net charge-offs to loans | -0.5542% | 5,407 |
| Credit loss provision to net charge-offs | 76.0606% | 2,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1169% | 175 |
| Assets per employee ($millions) | 2.6937% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8241% | 165 |
| Loan loss allowance to noncurrent loans | 67.8065% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 4.3113% | 107 |
| Noncurrent loans to loans | 4.1649% | 191 |
| Net loans and leases to total assets | 77.3429% | 1,442 |
| Net loans and leases to deposits | 90.0979% | 1,885 |
| Net loans and leases to core deposits | 97.0980% | 2,011 |
| Total domestic deposits to total assets | 85.8431% | 2,261 |
| Equity capital to assets | 12.8808% | 1,389 |
| Core capital (leverage) ratio | 12.7997% | 1,368 |
| Tier 1 risk-based capital ratio | 18.0443% | 1,779 |
| Total risk-based capital ratio | 19.3181% | 1,727 |
| Memoranda: | ||
| Average total assets | $204,567,250 | 2,837 |
| Average earning assets | $193,233,750 | 2,804 |
| Average equity | $25,788,250 | 2,594 |
| Average total loans | $158,780,250 | 2,551 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 2,179 |
| Cost of funding earning assets | 0.4127% | 3,621 |
| Net interest margin | 4.0585% | 1,675 |
| Noninterest income to average assets | 0.4849% | 2,950 |
| Noninterest expense to average assets | 4.3123% | 356 |
| Loan and lease loss provision to assets | -0.4888% | 5,510 |
| Net operating income to assets | 0.3885% | 4,980 |
| Return on assets (ROA) | 0.3885% | 4,983 |
| Pretax return on assets | 0.4917% | 4,919 |
| Return on Equity (ROE) | 3.1039% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.1039% | 4,007 |
| Net charge-offs to loans | -0.8184% | 5,481 |
| Credit loss provision to net charge-offs | 77.5889% | 2,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9323% | 175 |
| Assets per employee ($millions) | 2.8297% | 5,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8661% | 164 |
| Loan loss allowance to noncurrent loans | 68.9193% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 4.1560% | 127 |
| Noncurrent loans to loans | 4.1586% | 206 |
| Net loans and leases to total assets | 74.2898% | 1,900 |
| Net loans and leases to deposits | 87.6984% | 2,146 |
| Net loans and leases to core deposits | 93.7211% | 2,245 |
| Total domestic deposits to total assets | 84.7106% | 2,792 |
| Equity capital to assets | 12.5537% | 1,505 |
| Core capital (leverage) ratio | 12.5919% | 1,388 |
| Tier 1 risk-based capital ratio | 18.7216% | 1,620 |
| Total risk-based capital ratio | 19.9965% | 1,571 |
| Memoranda: | ||
| Average total assets | $205,413,330 | 2,852 |
| Average earning assets | $193,863,670 | 2,814 |
| Average equity | $25,710,000 | 2,612 |
| Average total loans | $158,108,330 | 2,567 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,523 |
| Cost of funding earning assets | 0.4022% | 3,564 |
| Net interest margin | 3.8951% | 2,061 |
| Noninterest income to average assets | 0.3730% | 3,646 |
| Noninterest expense to average assets | 4.3586% | 335 |
| Loan and lease loss provision to assets | -0.6679% | 5,586 |
| Net operating income to assets | 0.2578% | 5,159 |
| Return on assets (ROA) | 0.2578% | 5,162 |
| Pretax return on assets | 0.3515% | 5,101 |
| Return on Equity (ROE) | 2.0626% | 5,172 |
| Retained earnings to average equity (ytd only) | 2.0626% | 4,334 |
| Net charge-offs to loans | -1.1153% | 5,543 |
| Credit loss provision to net charge-offs | 77.5510% | 1,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8261% | 114 |
| Assets per employee ($millions) | 2.8862% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 174 |
| Loan loss allowance to noncurrent loans | 45.1860% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 6.0482% | 66 |
| Noncurrent loans to loans | 6.3618% | 92 |
| Net loans and leases to total assets | 73.8984% | 1,869 |
| Net loans and leases to deposits | 85.6537% | 2,210 |
| Net loans and leases to core deposits | 91.3965% | 2,343 |
| Total domestic deposits to total assets | 86.2758% | 2,410 |
| Equity capital to assets | 12.5243% | 1,474 |
| Core capital (leverage) ratio | 12.5424% | 1,372 |
| Tier 1 risk-based capital ratio | 18.0385% | 1,828 |
| Total risk-based capital ratio | 19.3123% | 1,768 |
| Memoranda: | ||
| Average total assets | $204,836,000 | 2,890 |
| Average earning assets | $192,959,500 | 2,853 |
| Average equity | $25,599,000 | 2,646 |
| Average total loans | $158,169,000 | 2,590 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 2,540 |
| Cost of funding earning assets | 0.3836% | 3,398 |
| Net interest margin | 3.8557% | 2,235 |
| Noninterest income to average assets | 0.4461% | 3,335 |
| Noninterest expense to average assets | 4.2344% | 403 |
| Loan and lease loss provision to assets | -0.4216% | 5,638 |
| Net operating income to assets | 0.1198% | 5,238 |
| Return on assets (ROA) | 0.1198% | 5,241 |
| Pretax return on assets | 0.2416% | 5,271 |
| Return on Equity (ROE) | 0.9388% | 5,239 |
| Retained earnings to average equity (ytd only) | 0.9388% | 4,645 |
| Net charge-offs to loans | -0.0177% | 4,926 |
| Credit loss provision to net charge-offs | 3,078.5714% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4396% | 130 |
| Assets per employee ($millions) | 2.8438% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7322% | 192 |
| Loan loss allowance to noncurrent loans | 44.6152% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 6.3238% | 56 |
| Noncurrent loans to loans | 6.1238% | 88 |
| Net loans and leases to total assets | 76.2095% | 1,554 |
| Net loans and leases to deposits | 89.5140% | 1,833 |
| Net loans and leases to core deposits | 94.0867% | 2,184 |
| Total domestic deposits to total assets | 85.1370% | 2,784 |
| Equity capital to assets | 12.4703% | 1,535 |
| Core capital (leverage) ratio | 12.3690% | 1,412 |
| Tier 1 risk-based capital ratio | 17.2508% | 2,013 |
| Total risk-based capital ratio | 18.5220% | 1,957 |
| Memoranda: | ||
| Average total assets | $204,443,800 | 2,881 |
| Average earning assets | $191,328,800 | 2,850 |
| Average equity | $26,097,200 | 2,600 |
| Average total loans | $158,281,600 | 2,566 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0520% | 3,168 |
| Cost of funding earning assets | 0.3776% | 3,398 |
| Net interest margin | 3.6744% | 2,843 |
| Noninterest income to average assets | 0.4280% | 3,493 |
| Noninterest expense to average assets | 4.2759% | 384 |
| Loan and lease loss provision to assets | -0.5624% | 5,717 |
| Net operating income to assets | 0.0274% | 5,491 |
| Return on assets (ROA) | 0.0274% | 5,500 |
| Pretax return on assets | 0.1494% | 5,421 |
| Return on Equity (ROE) | 0.2134% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.2134% | 5,169 |
| Net charge-offs to loans | -0.0220% | 4,882 |
| Credit loss provision to net charge-offs | 3,315.3846% | 138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6908% | 93 |
| Assets per employee ($millions) | 2.7069% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8313% | 183 |
| Loan loss allowance to noncurrent loans | 36.3357% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 7.4117% | 46 |
| Noncurrent loans to loans | 7.7920% | 52 |
| Net loans and leases to total assets | 73.0844% | 2,081 |
| Net loans and leases to deposits | 84.9655% | 2,439 |
| Net loans and leases to core deposits | 87.9151% | 2,780 |
| Total domestic deposits to total assets | 86.0165% | 2,302 |
| Equity capital to assets | 12.7362% | 1,523 |
| Core capital (leverage) ratio | 12.5423% | 1,402 |
| Tier 1 risk-based capital ratio | 18.3927% | 1,759 |
| Total risk-based capital ratio | 19.6667% | 1,706 |
| Memoranda: | ||
| Average total assets | $204,367,250 | 2,903 |
| Average earning assets | $191,047,000 | 2,879 |
| Average equity | $26,238,250 | 2,616 |
| Average total loans | $157,746,500 | 2,591 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,436 |
| Cost of funding earning assets | 0.3684% | 3,397 |
| Net interest margin | 3.5657% | 3,159 |
| Noninterest income to average assets | 0.4176% | 3,580 |
| Noninterest expense to average assets | 4.3124% | 367 |
| Loan and lease loss provision to assets | -0.8450% | 5,775 |
| Net operating income to assets | 0.2804% | 5,268 |
| Return on assets (ROA) | 0.2804% | 5,285 |
| Pretax return on assets | 0.2804% | 5,359 |
| Return on Equity (ROE) | 2.1726% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.1726% | 4,379 |
| Net charge-offs to loans | -0.0202% | 4,783 |
| Credit loss provision to net charge-offs | 5,387.5000% | 85 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0667% | 81 |
| Assets per employee ($millions) | 2.6493% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7416% | 210 |
| Loan loss allowance to noncurrent loans | 33.8182% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 7.8207% | 47 |
| Noncurrent loans to loans | 8.1069% | 46 |
| Net loans and leases to total assets | 75.0374% | 1,693 |
| Net loans and leases to deposits | 87.3298% | 2,063 |
| Net loans and leases to core deposits | 90.0345% | 2,523 |
| Total domestic deposits to total assets | 85.9242% | 2,404 |
| Equity capital to assets | 12.7973% | 1,472 |
| Core capital (leverage) ratio | 12.8679% | 1,230 |
| Tier 1 risk-based capital ratio | 18.1734% | 1,803 |
| Total risk-based capital ratio | 19.4454% | 1,763 |
| Memoranda: | ||
| Average total assets | $204,014,670 | 2,924 |
| Average earning assets | $190,536,000 | 2,908 |
| Average equity | $26,327,330 | 2,607 |
| Average total loans | $158,750,000 | 2,582 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,771 |
| Cost of funding earning assets | 0.3596% | 3,425 |
| Net interest margin | 3.4370% | 3,497 |
| Noninterest income to average assets | 0.3611% | 3,952 |
| Noninterest expense to average assets | 4.6749% | 290 |
| Loan and lease loss provision to assets | -1.5373% | 5,851 |
| Net operating income to assets | 0.4302% | 4,858 |
| Return on assets (ROA) | 0.4302% | 4,879 |
| Pretax return on assets | 0.4302% | 5,099 |
| Return on Equity (ROE) | 3.3196% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.3196% | 3,776 |
| Net charge-offs to loans | 0.0051% | 2,799 |
| Credit loss provision to net charge-offs | -38,950.0000% | 4,805 |
| Earnings coverage of net charge-offs (x) | -280.5000% | 2,940 |
| Efficiency ratio | 131.0288% | 48 |
| Assets per employee ($millions) | 2.6627% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8167% | 220 |
| Loan loss allowance to noncurrent loans | 33.1218% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 8.0314% | 49 |
| Noncurrent loans to loans | 8.5039% | 51 |
| Net loans and leases to total assets | 75.6329% | 1,471 |
| Net loans and leases to deposits | 88.3394% | 1,753 |
| Net loans and leases to core deposits | 91.1981% | 2,240 |
| Total domestic deposits to total assets | 85.6162% | 2,831 |
| Equity capital to assets | 13.0342% | 1,244 |
| Core capital (leverage) ratio | 13.3356% | 1,023 |
| Tier 1 risk-based capital ratio | 18.3975% | 1,766 |
| Total risk-based capital ratio | 19.6704% | 1,718 |
| Memoranda: | ||
| Average total assets | $202,699,500 | 2,963 |
| Average earning assets | $189,120,000 | 2,948 |
| Average equity | $26,268,500 | 2,616 |
| Average total loans | $158,409,000 | 2,596 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,438 |
| Cost of funding earning assets | 0.3585% | 3,429 |
| Net interest margin | 3.8572% | 2,109 |
| Noninterest income to average assets | 0.6869% | 2,234 |
| Noninterest expense to average assets | 4.0730% | 546 |
| Loan and lease loss provision to assets | -0.2846% | 5,834 |
| Net operating income to assets | 0.3647% | 5,043 |
| Return on assets (ROA) | 0.3647% | 5,127 |
| Pretax return on assets | 0.4790% | 5,068 |
| Return on Equity (ROE) | 2.9325% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.9325% | 3,814 |
| Net charge-offs to loans | -0.1776% | 5,719 |
| Credit loss provision to net charge-offs | 207.7465% | 1,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4448% | 331 |
| Assets per employee ($millions) | 2.5379% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2744% | 131 |
| Loan loss allowance to noncurrent loans | 44.6088% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 7.3624% | 57 |
| Noncurrent loans to loans | 7.3403% | 67 |
| Net loans and leases to total assets | 75.9038% | 1,528 |
| Net loans and leases to deposits | 91.5778% | 1,503 |
| Net loans and leases to core deposits | 92.8910% | 2,221 |
| Total domestic deposits to total assets | 82.8845% | 3,805 |
| Equity capital to assets | 12.8847% | 1,311 |
| Core capital (leverage) ratio | 12.8971% | 1,174 |
| Tier 1 risk-based capital ratio | 17.9360% | 1,869 |
| Total risk-based capital ratio | 19.2147% | 1,818 |
| Memoranda: | ||
| Average total assets | $207,317,800 | 2,888 |
| Average earning assets | $192,445,600 | 2,871 |
| Average equity | $25,780,000 | 2,654 |
| Average total loans | $159,938,200 | 2,523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1936% | 2,539 |
| Cost of funding earning assets | 0.3553% | 3,485 |
| Net interest margin | 3.8383% | 2,197 |
| Noninterest income to average assets | 0.7057% | 2,144 |
| Noninterest expense to average assets | 4.0071% | 580 |
| Loan and lease loss provision to assets | -0.2924% | 5,905 |
| Net operating income to assets | 0.3992% | 5,020 |
| Return on assets (ROA) | 0.3992% | 5,118 |
| Pretax return on assets | 0.5509% | 5,000 |
| Return on Equity (ROE) | 3.2392% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.2392% | 3,968 |
| Net charge-offs to loans | -0.1899% | 5,748 |
| Credit loss provision to net charge-offs | 200.4386% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9403% | 395 |
| Assets per employee ($millions) | 2.5533% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3175% | 134 |
| Loan loss allowance to noncurrent loans | 42.2304% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 7.9050% | 59 |
| Noncurrent loans to loans | 7.8557% | 65 |
| Net loans and leases to total assets | 74.5986% | 1,773 |
| Net loans and leases to deposits | 86.6268% | 2,195 |
| Net loans and leases to core deposits | 89.2197% | 2,648 |
| Total domestic deposits to total assets | 86.1149% | 2,299 |
| Equity capital to assets | 12.5849% | 1,725 |
| Core capital (leverage) ratio | 12.6383% | 1,343 |
| Tier 1 risk-based capital ratio | 18.0098% | 1,911 |
| Total risk-based capital ratio | 19.2892% | 1,876 |
| Memoranda: | ||
| Average total assets | $208,389,250 | 2,886 |
| Average earning assets | $193,274,250 | 2,878 |
| Average equity | $25,685,000 | 2,678 |
| Average total loans | $160,091,250 | 2,522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,408 |
| Cost of funding earning assets | 0.3493% | 3,577 |
| Net interest margin | 3.8808% | 2,046 |
| Noninterest income to average assets | 0.7333% | 1,992 |
| Noninterest expense to average assets | 3.9787% | 608 |
| Loan and lease loss provision to assets | -0.2872% | 5,978 |
| Net operating income to assets | 0.4193% | 4,977 |
| Return on assets (ROA) | 0.4193% | 5,061 |
| Pretax return on assets | 0.6366% | 4,798 |
| Return on Equity (ROE) | 3.4258% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.4258% | 3,711 |
| Net charge-offs to loans | -0.2022% | 5,813 |
| Credit loss provision to net charge-offs | 185.1852% | 1,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9266% | 501 |
| Assets per employee ($millions) | 2.7275% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3562% | 138 |
| Loan loss allowance to noncurrent loans | 40.9302% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 8.4689% | 60 |
| Noncurrent loans to loans | 8.1998% | 61 |
| Net loans and leases to total assets | 74.8209% | 1,681 |
| Net loans and leases to deposits | 86.7659% | 2,163 |
| Net loans and leases to core deposits | 89.3527% | 2,596 |
| Total domestic deposits to total assets | 86.2331% | 2,308 |
| Equity capital to assets | 12.4668% | 1,792 |
| Core capital (leverage) ratio | 12.4182% | 1,398 |
| Tier 1 risk-based capital ratio | 17.7695% | 1,999 |
| Total risk-based capital ratio | 19.0492% | 1,951 |
| Memoranda: | ||
| Average total assets | $208,912,670 | 2,897 |
| Average earning assets | $193,517,670 | 2,888 |
| Average equity | $25,570,670 | 2,701 |
| Average total loans | $160,262,330 | 2,529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,015 |
| Cost of funding earning assets | 0.3486% | 3,614 |
| Net interest margin | 3.7066% | 2,645 |
| Noninterest income to average assets | 0.3452% | 4,261 |
| Noninterest expense to average assets | 3.9137% | 676 |
| Loan and lease loss provision to assets | -0.3300% | 6,057 |
| Net operating income to assets | 0.1182% | 5,654 |
| Return on assets (ROA) | 0.1182% | 5,705 |
| Pretax return on assets | 0.1888% | 5,650 |
| Return on Equity (ROE) | 0.9750% | 5,697 |
| Retained earnings to average equity (ytd only) | 0.9750% | 4,850 |
| Net charge-offs to loans | -0.5420% | 6,003 |
| Credit loss provision to net charge-offs | 79.7235% | 1,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7412% | 216 |
| Assets per employee ($millions) | 2.9137% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5181% | 131 |
| Loan loss allowance to noncurrent loans | 32.5975% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 10.4832% | 51 |
| Noncurrent loans to loans | 10.7926% | 35 |
| Net loans and leases to total assets | 72.7757% | 1,907 |
| Net loans and leases to deposits | 83.2811% | 2,393 |
| Net loans and leases to core deposits | 84.7466% | 2,870 |
| Total domestic deposits to total assets | 87.3855% | 2,005 |
| Equity capital to assets | 12.1392% | 1,932 |
| Core capital (leverage) ratio | 12.0801% | 1,558 |
| Tier 1 risk-based capital ratio | 17.4428% | 2,142 |
| Total risk-based capital ratio | 18.7250% | 2,101 |
| Memoranda: | ||
| Average total assets | $209,725,500 | 2,897 |
| Average earning assets | $193,925,000 | 2,891 |
| Average equity | $25,435,000 | 2,709 |
| Average total loans | $160,153,500 | 2,525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,351 |
| Cost of funding earning assets | 0.3676% | 3,508 |
| Net interest margin | 3.6219% | 3,051 |
| Noninterest income to average assets | 0.6976% | 2,212 |
| Noninterest expense to average assets | 3.8206% | 844 |
| Loan and lease loss provision to assets | -0.2630% | 6,040 |
| Net operating income to assets | 0.2955% | 5,373 |
| Return on assets (ROA) | 0.2955% | 5,451 |
| Pretax return on assets | 0.4713% | 5,172 |
| Return on Equity (ROE) | 2.5376% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.5376% | 4,260 |
| Net charge-offs to loans | -0.0887% | 5,742 |
| Credit loss provision to net charge-offs | 388.3562% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8308% | 446 |
| Assets per employee ($millions) | 2.9121% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4078% | 143 |
| Loan loss allowance to noncurrent loans | 32.9810% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 10.4923% | 51 |
| Noncurrent loans to loans | 10.3326% | 38 |
| Net loans and leases to total assets | 74.6638% | 1,618 |
| Net loans and leases to deposits | 85.3475% | 2,203 |
| Net loans and leases to core deposits | 87.0764% | 2,688 |
| Total domestic deposits to total assets | 87.4821% | 1,891 |
| Equity capital to assets | 12.1163% | 1,871 |
| Core capital (leverage) ratio | 11.6362% | 1,864 |
| Tier 1 risk-based capital ratio | 16.9029% | 2,324 |
| Total risk-based capital ratio | 18.1838% | 2,255 |
| Memoranda: | ||
| Average total assets | $215,592,000 | 2,783 |
| Average earning assets | $198,293,200 | 2,797 |
| Average equity | $25,102,600 | 2,683 |
| Average total loans | $164,581,800 | 2,408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 3,483 |
| Cost of funding earning assets | 0.3658% | 3,594 |
| Net interest margin | 3.5980% | 3,168 |
| Noninterest income to average assets | 0.7297% | 2,109 |
| Noninterest expense to average assets | 3.7713% | 889 |
| Loan and lease loss provision to assets | -0.2868% | 6,149 |
| Net operating income to assets | 0.3458% | 5,325 |
| Return on assets (ROA) | 0.3458% | 5,413 |
| Pretax return on assets | 0.5503% | 5,096 |
| Return on Equity (ROE) | 2.9993% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.9993% | 4,310 |
| Net charge-offs to loans | -0.2413% | 6,038 |
| Credit loss provision to net charge-offs | 156.1873% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4693% | 505 |
| Assets per employee ($millions) | 3.1846% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5415% | 137 |
| Loan loss allowance to noncurrent loans | 31.4683% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 10.7627% | 48 |
| Noncurrent loans to loans | 11.2542% | 32 |
| Net loans and leases to total assets | 71.5928% | 2,124 |
| Net loans and leases to deposits | 81.4355% | 2,712 |
| Net loans and leases to core deposits | 82.8255% | 3,167 |
| Total domestic deposits to total assets | 87.9134% | 1,609 |
| Equity capital to assets | 11.5273% | 2,484 |
| Core capital (leverage) ratio | 11.5080% | 2,030 |
| Tier 1 risk-based capital ratio | 17.3025% | 2,255 |
| Total risk-based capital ratio | 18.5876% | 2,193 |
| Memoranda: | ||
| Average total assets | $217,073,000 | 2,794 |
| Average earning assets | $199,401,750 | 2,808 |
| Average equity | $25,027,250 | 2,714 |
| Average total loans | $165,210,000 | 2,420 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 3,803 |
| Cost of funding earning assets | 0.3666% | 3,635 |
| Net interest margin | 3.5017% | 3,487 |
| Noninterest income to average assets | 0.7299% | 2,093 |
| Noninterest expense to average assets | 3.7514% | 927 |
| Loan and lease loss provision to assets | -0.3395% | 6,243 |
| Net operating income to assets | 0.3293% | 5,356 |
| Return on assets (ROA) | 0.3293% | 5,457 |
| Pretax return on assets | 0.5255% | 5,159 |
| Return on Equity (ROE) | 2.8564% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.8564% | 4,217 |
| Net charge-offs to loans | -0.2917% | 6,115 |
| Credit loss provision to net charge-offs | 151.6529% | 1,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2773% | 470 |
| Assets per employee ($millions) | 3.0101% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5295% | 162 |
| Loan loss allowance to noncurrent loans | 34.6888% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 10.3258% | 62 |
| Noncurrent loans to loans | 10.1747% | 53 |
| Net loans and leases to total assets | 72.3687% | 1,922 |
| Net loans and leases to deposits | 82.1765% | 2,532 |
| Net loans and leases to core deposits | 84.0555% | 2,976 |
| Total domestic deposits to total assets | 88.0650% | 1,619 |
| Equity capital to assets | 11.4335% | 2,473 |
| Core capital (leverage) ratio | 10.6806% | 2,752 |
| Tier 1 risk-based capital ratio | 15.5695% | 3,062 |
| Total risk-based capital ratio | 16.8624% | 2,994 |
| Memoranda: | ||
| Average total assets | $216,184,000 | 2,819 |
| Average earning assets | $198,019,000 | 2,840 |
| Average equity | $24,926,330 | 2,729 |
| Average total loans | $165,915,330 | 2,417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,686 |
| Cost of funding earning assets | 0.3660% | 3,684 |
| Net interest margin | 3.5173% | 3,359 |
| Noninterest income to average assets | 0.5802% | 2,773 |
| Noninterest expense to average assets | 3.6603% | 1,058 |
| Loan and lease loss provision to assets | -0.1250% | 6,222 |
| Net operating income to assets | 0.1586% | 5,773 |
| Return on assets (ROA) | 0.1586% | 5,843 |
| Pretax return on assets | 0.2537% | 5,747 |
| Return on Equity (ROE) | 1.3694% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.3694% | 4,941 |
| Net charge-offs to loans | -0.2740% | 6,124 |
| Credit loss provision to net charge-offs | 58.7719% | 2,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6027% | 479 |
| Assets per employee ($millions) | 3.1387% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5879% | 171 |
| Loan loss allowance to noncurrent loans | 32.5970% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 11.6204% | 54 |
| Noncurrent loans to loans | 11.0067% | 45 |
| Net loans and leases to total assets | 73.2737% | 1,602 |
| Net loans and leases to deposits | 83.0439% | 2,205 |
| Net loans and leases to core deposits | 85.0997% | 2,642 |
| Total domestic deposits to total assets | 88.2349% | 1,694 |
| Equity capital to assets | 11.3159% | 2,628 |
| Core capital (leverage) ratio | 10.7548% | 2,685 |
| Tier 1 risk-based capital ratio | 15.0065% | 3,431 |
| Total risk-based capital ratio | 16.2894% | 3,339 |
| Memoranda: | ||
| Average total assets | $214,406,000 | 2,859 |
| Average earning assets | $195,606,500 | 2,887 |
| Average equity | $24,827,500 | 2,762 |
| Average total loans | $166,452,500 | 2,416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 3,258 |
| Cost of funding earning assets | 0.3948% | 3,744 |
| Net interest margin | 3.7226% | 2,916 |
| Noninterest income to average assets | 0.5652% | 3,088 |
| Noninterest expense to average assets | 3.6136% | 1,275 |
| Loan and lease loss provision to assets | -0.1838% | 6,277 |
| Net operating income to assets | 0.3364% | 5,423 |
| Return on assets (ROA) | 0.3364% | 5,490 |
| Pretax return on assets | 0.5362% | 5,157 |
| Return on Equity (ROE) | 2.9939% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.9939% | 4,107 |
| Net charge-offs to loans | -0.0030% | 5,406 |
| Credit loss provision to net charge-offs | 8,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1134% | 773 |
| Assets per employee ($millions) | 2.9451% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5823% | 173 |
| Loan loss allowance to noncurrent loans | 34.9524% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 11.8324% | 60 |
| Noncurrent loans to loans | 10.2492% | 67 |
| Net loans and leases to total assets | 76.5082% | 1,193 |
| Net loans and leases to deposits | 87.1964% | 1,827 |
| Net loans and leases to core deposits | 89.6011% | 2,324 |
| Total domestic deposits to total assets | 87.7424% | 1,901 |
| Equity capital to assets | 11.8568% | 2,124 |
| Core capital (leverage) ratio | 10.4117% | 3,048 |
| Tier 1 risk-based capital ratio | 14.7594% | 3,625 |
| Total risk-based capital ratio | 16.0445% | 3,537 |
| Memoranda: | ||
| Average total assets | $217,623,800 | 2,807 |
| Average earning assets | $198,813,400 | 2,817 |
| Average equity | $24,450,000 | 2,716 |
| Average total loans | $168,151,600 | 2,338 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,369 |
| Cost of funding earning assets | 0.3980% | 3,811 |
| Net interest margin | 3.7032% | 3,012 |
| Noninterest income to average assets | 0.5570% | 3,156 |
| Noninterest expense to average assets | 3.5499% | 1,376 |
| Loan and lease loss provision to assets | -0.1820% | 6,371 |
| Net operating income to assets | 0.3622% | 5,393 |
| Return on assets (ROA) | 0.3622% | 5,463 |
| Pretax return on assets | 0.5764% | 5,103 |
| Return on Equity (ROE) | 3.2670% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.2670% | 4,300 |
| Net charge-offs to loans | 0.0063% | 4,481 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,020 |
| Earnings coverage of net charge-offs (x) | 81.2231% | 696 |
| Efficiency ratio | 90.0015% | 843 |
| Assets per employee ($millions) | 3.1802% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6065% | 213 |
| Loan loss allowance to noncurrent loans | 33.6890% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 11.6152% | 70 |
| Noncurrent loans to loans | 10.7051% | 66 |
| Net loans and leases to total assets | 74.5291% | 1,438 |
| Net loans and leases to deposits | 84.7402% | 2,065 |
| Net loans and leases to core deposits | 87.1279% | 2,526 |
| Total domestic deposits to total assets | 87.9501% | 1,795 |
| Equity capital to assets | 11.4053% | 2,578 |
| Core capital (leverage) ratio | 9.9668% | 3,726 |
| Tier 1 risk-based capital ratio | 14.3714% | 3,967 |
| Total risk-based capital ratio | 15.6561% | 3,882 |
| Memoranda: | ||
| Average total assets | $219,754,000 | 2,804 |
| Average earning assets | $201,010,750 | 2,816 |
| Average equity | $24,364,250 | 2,728 |
| Average total loans | $168,708,250 | 2,348 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,516 |
| Cost of funding earning assets | 0.4117% | 3,752 |
| Net interest margin | 3.6465% | 3,162 |
| Noninterest income to average assets | 0.5486% | 3,135 |
| Noninterest expense to average assets | 3.5026% | 1,474 |
| Loan and lease loss provision to assets | -0.1811% | 6,455 |
| Net operating income to assets | 0.3531% | 5,398 |
| Return on assets (ROA) | 0.3531% | 5,465 |
| Pretax return on assets | 0.5631% | 5,082 |
| Return on Equity (ROE) | 3.2146% | 5,451 |
| Retained earnings to average equity (ytd only) | 3.2146% | 4,155 |
| Net charge-offs to loans | 0.0686% | 3,018 |
| Credit loss provision to net charge-offs | -344.8276% | 5,498 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,653 |
| Efficiency ratio | 90.1655% | 907 |
| Assets per employee ($millions) | 3.2175% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6492% | 225 |
| Loan loss allowance to noncurrent loans | 34.4533% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 11.0961% | 79 |
| Noncurrent loans to loans | 10.5918% | 70 |
| Net loans and leases to total assets | 72.3213% | 1,683 |
| Net loans and leases to deposits | 81.7022% | 2,285 |
| Net loans and leases to core deposits | 84.3014% | 2,707 |
| Total domestic deposits to total assets | 88.5183% | 1,627 |
| Equity capital to assets | 11.0164% | 2,860 |
| Core capital (leverage) ratio | 9.5596% | 4,240 |
| Tier 1 risk-based capital ratio | 14.0739% | 4,215 |
| Total risk-based capital ratio | 15.3592% | 4,121 |
| Memoranda: | ||
| Average total assets | $220,921,670 | 2,801 |
| Average earning assets | $202,112,000 | 2,812 |
| Average equity | $24,264,330 | 2,733 |
| Average total loans | $169,211,000 | 2,342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,900 |
| Cost of funding earning assets | 0.4171% | 3,794 |
| Net interest margin | 3.5315% | 3,562 |
| Noninterest income to average assets | 0.4665% | 3,660 |
| Noninterest expense to average assets | 3.2907% | 1,963 |
| Loan and lease loss provision to assets | -0.1815% | 6,555 |
| Net operating income to assets | 0.3666% | 5,248 |
| Return on assets (ROA) | 0.3666% | 5,312 |
| Pretax return on assets | 0.5844% | 4,883 |
| Return on Equity (ROE) | 3.3433% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.3433% | 4,123 |
| Net charge-offs to loans | 0.0047% | 3,571 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 424 |
| Efficiency ratio | 89.0909% | 1,120 |
| Assets per employee ($millions) | 3.2125% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6982% | 237 |
| Loan loss allowance to noncurrent loans | 36.9644% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 10.9894% | 95 |
| Noncurrent loans to loans | 10.0048% | 99 |
| Net loans and leases to total assets | 73.2708% | 1,390 |
| Net loans and leases to deposits | 82.6600% | 1,982 |
| Net loans and leases to core deposits | 86.7345% | 2,236 |
| Total domestic deposits to total assets | 88.6412% | 1,869 |
| Equity capital to assets | 10.9488% | 2,766 |
| Core capital (leverage) ratio | 9.4420% | 4,359 |
| Tier 1 risk-based capital ratio | 13.4485% | 4,730 |
| Total risk-based capital ratio | 14.7338% | 4,636 |
| Memoranda: | ||
| Average total assets | $220,380,000 | 2,828 |
| Average earning assets | $201,388,500 | 2,836 |
| Average equity | $24,168,000 | 2,737 |
| Average total loans | $170,497,500 | 2,344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 3,135 |
| Cost of funding earning assets | 0.4442% | 4,171 |
| Net interest margin | 3.8103% | 2,616 |
| Noninterest income to average assets | 0.5405% | 3,473 |
| Noninterest expense to average assets | 3.3418% | 2,018 |
| Loan and lease loss provision to assets | 0.3292% | 984 |
| Net operating income to assets | 0.3319% | 5,404 |
| Return on assets (ROA) | 0.3319% | 5,514 |
| Pretax return on assets | 0.3641% | 5,574 |
| Return on Equity (ROE) | 3.1417% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.1417% | 4,002 |
| Net charge-offs to loans | 0.5583% | 1,180 |
| Credit loss provision to net charge-offs | 74.8984% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.5772% | 4,531 |
| Efficiency ratio | 82.8186% | 1,773 |
| Assets per employee ($millions) | 3.1300% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6781% | 251 |
| Loan loss allowance to noncurrent loans | 42.6037% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 9.8398% | 132 |
| Noncurrent loans to loans | 8.6332% | 164 |
| Net loans and leases to total assets | 75.7677% | 1,109 |
| Net loans and leases to deposits | 85.5049% | 1,749 |
| Net loans and leases to core deposits | 89.4545% | 2,087 |
| Total domestic deposits to total assets | 88.6120% | 1,851 |
| Equity capital to assets | 10.9845% | 2,624 |
| Core capital (leverage) ratio | 9.4100% | 4,400 |
| Tier 1 risk-based capital ratio | 12.9345% | 5,023 |
| Total risk-based capital ratio | 14.2190% | 4,948 |
| Memoranda: | ||
| Average total assets | $223,862,600 | 2,774 |
| Average earning assets | $205,313,600 | 2,777 |
| Average equity | $23,649,600 | 2,756 |
| Average total loans | $176,246,800 | 2,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 3,328 |
| Cost of funding earning assets | 0.4506% | 4,266 |
| Net interest margin | 3.7649% | 2,783 |
| Noninterest income to average assets | 0.5083% | 3,747 |
| Noninterest expense to average assets | 3.2697% | 2,151 |
| Loan and lease loss provision to assets | 0.4366% | 662 |
| Net operating income to assets | 0.3045% | 5,602 |
| Return on assets (ROA) | 0.3045% | 5,713 |
| Pretax return on assets | 0.2571% | 5,959 |
| Return on Equity (ROE) | 2.9107% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.9107% | 4,583 |
| Net charge-offs to loans | 0.6327% | 973 |
| Credit loss provision to net charge-offs | 87.6338% | 2,676 |
| Earnings coverage of net charge-offs (x) | 1.3924% | 4,371 |
| Efficiency ratio | 82.4963% | 1,761 |
| Assets per employee ($millions) | 3.2202% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7198% | 283 |
| Loan loss allowance to noncurrent loans | 40.4115% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 10.2388% | 131 |
| Noncurrent loans to loans | 9.2048% | 164 |
| Net loans and leases to total assets | 74.4291% | 1,224 |
| Net loans and leases to deposits | 83.7130% | 1,913 |
| Net loans and leases to core deposits | 87.7443% | 2,219 |
| Total domestic deposits to total assets | 88.9098% | 1,610 |
| Equity capital to assets | 10.5751% | 3,191 |
| Core capital (leverage) ratio | 8.9580% | 5,182 |
| Tier 1 risk-based capital ratio | 12.5129% | 5,451 |
| Total risk-based capital ratio | 13.7980% | 5,376 |
| Memoranda: | ||
| Average total assets | $225,053,250 | 2,782 |
| Average earning assets | $206,535,750 | 2,783 |
| Average equity | $23,545,250 | 2,798 |
| Average total loans | $177,222,000 | 2,232 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 3,128 |
| Cost of funding earning assets | 0.4684% | 4,226 |
| Net interest margin | 3.7885% | 2,600 |
| Noninterest income to average assets | 0.6037% | 3,166 |
| Noninterest expense to average assets | 3.1725% | 2,436 |
| Loan and lease loss provision to assets | 0.6553% | 373 |
| Net operating income to assets | 0.3672% | 5,343 |
| Return on assets (ROA) | 0.3672% | 5,515 |
| Pretax return on assets | 0.2570% | 5,986 |
| Return on Equity (ROE) | 3.5227% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.5227% | 4,080 |
| Net charge-offs to loans | 0.8989% | 693 |
| Credit loss provision to net charge-offs | 92.0100% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1.2809% | 4,114 |
| Efficiency ratio | 77.6665% | 2,514 |
| Assets per employee ($millions) | 3.2005% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7108% | 316 |
| Loan loss allowance to noncurrent loans | 38.5621% | 5,691 |
| Noncurrent assets plus other real estate owned to assets | 10.7125% | 134 |
| Noncurrent loans to loans | 9.6230% | 175 |
| Net loans and leases to total assets | 75.5381% | 1,039 |
| Net loans and leases to deposits | 84.9236% | 1,695 |
| Net loans and leases to core deposits | 89.1926% | 1,985 |
| Total domestic deposits to total assets | 88.9483% | 1,660 |
| Equity capital to assets | 10.5951% | 3,180 |
| Core capital (leverage) ratio | 8.9682% | 5,047 |
| Tier 1 risk-based capital ratio | 12.1326% | 5,721 |
| Total risk-based capital ratio | 13.4164% | 5,643 |
| Memoranda: | ||
| Average total assets | $224,932,330 | 2,791 |
| Average earning assets | $206,677,000 | 2,789 |
| Average equity | $23,447,670 | 2,827 |
| Average total loans | $178,210,330 | 2,218 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 3,286 |
| Cost of funding earning assets | 0.5028% | 4,056 |
| Net interest margin | 3.7009% | 2,848 |
| Noninterest income to average assets | 0.7436% | 2,361 |
| Noninterest expense to average assets | 3.5247% | 1,571 |
| Loan and lease loss provision to assets | 0.9087% | 215 |
| Net operating income to assets | -0.0745% | 6,420 |
| Return on assets (ROA) | -0.0745% | 6,473 |
| Pretax return on assets | -0.2804% | 6,593 |
| Return on Equity (ROE) | -0.7209% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.7209% | 5,918 |
| Net charge-offs to loans | 0.7223% | 846 |
| Credit loss provision to net charge-offs | 158.0247% | 1,312 |
| Earnings coverage of net charge-offs (x) | 1.0926% | 3,474 |
| Efficiency ratio | 84.8718% | 1,652 |
| Assets per employee ($millions) | 3.1160% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8084% | 332 |
| Loan loss allowance to noncurrent loans | 35.8602% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 11.0549% | 157 |
| Noncurrent loans to loans | 10.6202% | 187 |
| Net loans and leases to total assets | 76.2607% | 806 |
| Net loans and leases to deposits | 85.6759% | 1,386 |
| Net loans and leases to core deposits | 91.1855% | 1,590 |
| Total domestic deposits to total assets | 89.0107% | 1,676 |
| Equity capital to assets | 10.3774% | 3,699 |
| Core capital (leverage) ratio | 8.7488% | 5,260 |
| Tier 1 risk-based capital ratio | 11.7398% | 6,068 |
| Total risk-based capital ratio | 13.0253% | 6,021 |
| Memoranda: | ||
| Average total assets | $225,379,500 | 2,818 |
| Average earning assets | $207,627,500 | 2,813 |
| Average equity | $23,303,000 | 2,882 |
| Average total loans | $179,437,500 | 2,220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 4,489 |
| Cost of funding earning assets | 0.5706% | 4,638 |
| Net interest margin | 3.6560% | 3,849 |
| Noninterest income to average assets | 0.3620% | 4,892 |
| Noninterest expense to average assets | 3.3144% | 2,290 |
| Loan and lease loss provision to assets | 3.7900% | 18 |
| Net operating income to assets | -3.1486% | 7,014 |
| Return on assets (ROA) | -3.1486% | 7,020 |
| Pretax return on assets | -3.3662% | 7,029 |
| Return on Equity (ROE) | -30.9111% | 6,959 |
| Retained earnings to average equity (ytd only) | -30.9111% | 6,942 |
| Net charge-offs to loans | 5.9051% | 19 |
| Credit loss provision to net charge-offs | 79.3583% | 3,856 |
| Earnings coverage of net charge-offs (x) | 0.0887% | 5,443 |
| Efficiency ratio | 88.6630% | 1,179 |
| Assets per employee ($millions) | 3.0187% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6385% | 382 |
| Loan loss allowance to noncurrent loans | 34.4727% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 11.2537% | 172 |
| Noncurrent loans to loans | 10.5548% | 205 |
| Net loans and leases to total assets | 77.0394% | 783 |
| Net loans and leases to deposits | 86.3902% | 1,463 |
| Net loans and leases to core deposits | 93.6584% | 1,494 |
| Total domestic deposits to total assets | 89.1760% | 1,450 |
| Equity capital to assets | 10.3019% | 3,757 |
| Core capital (leverage) ratio | 8.6870% | 5,348 |
| Tier 1 risk-based capital ratio | 11.4897% | 6,113 |
| Total risk-based capital ratio | 12.7724% | 6,052 |
| Memoranda: | ||
| Average total assets | $239,499,600 | 2,641 |
| Average earning assets | $221,173,200 | 2,603 |
| Average equity | $24,395,800 | 2,720 |
| Average total loans | $193,696,200 | 2,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 4,707 |
| Cost of funding earning assets | 0.5800% | 4,838 |
| Net interest margin | 3.6506% | 4,004 |
| Noninterest income to average assets | 0.2389% | 5,841 |
| Noninterest expense to average assets | 3.4259% | 1,942 |
| Loan and lease loss provision to assets | 4.4963% | 13 |
| Net operating income to assets | -4.0119% | 7,138 |
| Return on assets (ROA) | -4.0119% | 7,141 |
| Pretax return on assets | -4.3095% | 7,153 |
| Return on Equity (ROE) | -39.4902% | 7,097 |
| Retained earnings to average equity (ytd only) | -39.4902% | 7,090 |
| Net charge-offs to loans | 7.2094% | 13 |
| Credit loss provision to net charge-offs | 76.9093% | 3,710 |
| Earnings coverage of net charge-offs (x) | 0.0319% | 5,316 |
| Efficiency ratio | 94.8313% | 721 |
| Assets per employee ($millions) | 3.1408% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4460% | 489 |
| Loan loss allowance to noncurrent loans | 34.8178% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 10.3544% | 225 |
| Noncurrent loans to loans | 9.8973% | 254 |
| Net loans and leases to total assets | 77.1834% | 832 |
| Net loans and leases to deposits | 86.2094% | 1,580 |
| Net loans and leases to core deposits | 93.6052% | 1,617 |
| Total domestic deposits to total assets | 89.5301% | 1,108 |
| Equity capital to assets | 9.7894% | 4,799 |
| Core capital (leverage) ratio | 8.2295% | 6,106 |
| Tier 1 risk-based capital ratio | 11.1024% | 6,439 |
| Total risk-based capital ratio | 12.3836% | 6,396 |
| Memoranda: | ||
| Average total assets | $242,773,250 | 2,628 |
| Average earning assets | $224,359,000 | 2,596 |
| Average equity | $24,663,750 | 2,715 |
| Average total loans | $196,868,500 | 2,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 4,774 |
| Cost of funding earning assets | 0.5961% | 4,935 |
| Net interest margin | 3.6509% | 4,033 |
| Noninterest income to average assets | -0.0302% | 7,034 |
| Noninterest expense to average assets | 3.4514% | 1,904 |
| Loan and lease loss provision to assets | 6.5120% | 7 |
| Net operating income to assets | -6.0952% | 7,220 |
| Return on assets (ROA) | -6.0952% | 7,223 |
| Pretax return on assets | -6.6213% | 7,230 |
| Return on Equity (ROE) | -59.3055% | 7,183 |
| Retained earnings to average equity (ytd only) | -59.3055% | 7,178 |
| Net charge-offs to loans | 10.5295% | 7 |
| Credit loss provision to net charge-offs | 75.9201% | 3,435 |
| Earnings coverage of net charge-offs (x) | -0.0127% | 5,087 |
| Efficiency ratio | 103.2707% | 451 |
| Assets per employee ($millions) | 3.1981% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3425% | 570 |
| Loan loss allowance to noncurrent loans | 37.5454% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 9.7768% | 276 |
| Noncurrent loans to loans | 8.9025% | 349 |
| Net loans and leases to total assets | 77.3420% | 806 |
| Net loans and leases to deposits | 86.0008% | 1,599 |
| Net loans and leases to core deposits | 94.0529% | 1,596 |
| Total domestic deposits to total assets | 89.9318% | 965 |
| Equity capital to assets | 9.5446% | 4,999 |
| Core capital (leverage) ratio | 8.0089% | 6,266 |
| Tier 1 risk-based capital ratio | 9.3085% | 6,949 |
| Total risk-based capital ratio | 10.5819% | 6,947 |
| Memoranda: | ||
| Average total assets | $245,177,330 | 2,599 |
| Average earning assets | $226,467,670 | 2,569 |
| Average equity | $25,198,330 | 2,649 |
| Average total loans | $199,723,670 | 2,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 5,033 |
| Cost of funding earning assets | 0.6030% | 5,100 |
| Net interest margin | 3.6180% | 4,189 |
| Noninterest income to average assets | -0.2502% | 7,213 |
| Noninterest expense to average assets | 3.6475% | 1,469 |
| Loan and lease loss provision to assets | 12.4177% | 4 |
| Net operating income to assets | -12.9568% | 7,304 |
| Return on assets (ROA) | -12.9568% | 7,304 |
| Pretax return on assets | -12.9746% | 7,304 |
| Return on Equity (ROE) | -121.8625% | 7,275 |
| Retained earnings to average equity (ytd only) | -121.8625% | 7,271 |
| Net charge-offs to loans | 17.5637% | 5 |
| Credit loss provision to net charge-offs | 86.0530% | 2,623 |
| Earnings coverage of net charge-offs (x) | -0.0386% | 4,384 |
| Efficiency ratio | 118.0157% | 241 |
| Assets per employee ($millions) | 3.3404% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8345% | 425 |
| Loan loss allowance to noncurrent loans | 42.3962% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 9.7818% | 313 |
| Noncurrent loans to loans | 9.0445% | 374 |
| Net loans and leases to total assets | 78.1203% | 581 |
| Net loans and leases to deposits | 86.3126% | 1,382 |
| Net loans and leases to core deposits | 95.5479% | 1,328 |
| Total domestic deposits to total assets | 90.5086% | 799 |
| Equity capital to assets | 9.0363% | 5,439 |
| Core capital (leverage) ratio | 7.7226% | 6,467 |
| Tier 1 risk-based capital ratio | 9.7023% | 6,934 |
| Total risk-based capital ratio | 10.9861% | 6,928 |
| Memoranda: | ||
| Average total assets | $247,839,000 | 2,581 |
| Average earning assets | $228,856,500 | 2,551 |
| Average equity | $26,351,000 | 2,543 |
| Average total loans | $203,624,000 | 2,000 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 5,191 |
| Cost of funding earning assets | 0.7366% | 5,302 |
| Net interest margin | 3.7307% | 4,153 |
| Noninterest income to average assets | 0.5830% | 3,273 |
| Noninterest expense to average assets | 3.1903% | 2,902 |
| Loan and lease loss provision to assets | 0.4839% | 2,183 |
| Net operating income to assets | 0.2173% | 5,539 |
| Return on assets (ROA) | 0.2173% | 5,675 |
| Pretax return on assets | 0.3458% | 5,438 |
| Return on Equity (ROE) | 1.8184% | 5,729 |
| Retained earnings to average equity (ytd only) | 1.8184% | 4,918 |
| Net charge-offs to loans | 0.9296% | 1,869 |
| Credit loss provision to net charge-offs | 62.6283% | 5,103 |
| Earnings coverage of net charge-offs (x) | 1.0739% | 4,983 |
| Efficiency ratio | 79.3607% | 2,394 |
| Assets per employee ($millions) | 3.3131% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 1,683 |
| Loan loss allowance to noncurrent loans | 46.8000% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 5.9199% | 831 |
| Noncurrent loans to loans | 4.8440% | 1,191 |
| Net loans and leases to total assets | 81.1960% | 392 |
| Net loans and leases to deposits | 92.9637% | 889 |
| Net loans and leases to core deposits | 102.8800% | 975 |
| Total domestic deposits to total assets | 87.3417% | 2,558 |
| Equity capital to assets | 12.2201% | 1,959 |
| Core capital (leverage) ratio | 10.8736% | 2,376 |
| Tier 1 risk-based capital ratio | 14.7647% | 3,785 |
| Total risk-based capital ratio | 16.0147% | 3,763 |
| Memoranda: | ||
| Average total assets | $252,137,600 | 2,500 |
| Average earning assets | $232,291,200 | 2,486 |
| Average equity | $30,136,200 | 2,188 |
| Average total loans | $209,561,800 | 1,957 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 5,312 |
| Cost of funding earning assets | 0.7682% | 5,346 |
| Net interest margin | 3.7117% | 4,284 |
| Noninterest income to average assets | 0.6565% | 2,842 |
| Noninterest expense to average assets | 3.2267% | 2,740 |
| Loan and lease loss provision to assets | 0.4479% | 2,231 |
| Net operating income to assets | 0.2540% | 5,559 |
| Return on assets (ROA) | 0.2540% | 5,705 |
| Pretax return on assets | 0.4010% | 5,469 |
| Return on Equity (ROE) | 2.1365% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.1365% | 5,066 |
| Net charge-offs to loans | 1.2532% | 1,240 |
| Credit loss provision to net charge-offs | 42.9944% | 5,183 |
| Earnings coverage of net charge-offs (x) | 0.8149% | 5,005 |
| Efficiency ratio | 79.1726% | 2,381 |
| Assets per employee ($millions) | 3.3670% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 2,144 |
| Loan loss allowance to noncurrent loans | 45.5619% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 5.6870% | 969 |
| Noncurrent loans to loans | 4.5442% | 1,421 |
| Net loans and leases to total assets | 80.1860% | 501 |
| Net loans and leases to deposits | 91.7152% | 1,037 |
| Net loans and leases to core deposits | 100.8577% | 1,175 |
| Total domestic deposits to total assets | 87.4293% | 2,392 |
| Equity capital to assets | 11.9985% | 2,251 |
| Core capital (leverage) ratio | 10.8347% | 2,536 |
| Tier 1 risk-based capital ratio | 15.1140% | 3,599 |
| Total risk-based capital ratio | 16.3784% | 3,558 |
| Memoranda: | ||
| Average total assets | $253,050,750 | 2,500 |
| Average earning assets | $233,095,250 | 2,480 |
| Average equity | $30,079,000 | 2,193 |
| Average total loans | $210,342,250 | 1,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 5,348 |
| Cost of funding earning assets | 0.8016% | 5,356 |
| Net interest margin | 3.7004% | 4,255 |
| Noninterest income to average assets | 0.7740% | 2,137 |
| Noninterest expense to average assets | 3.2682% | 2,676 |
| Loan and lease loss provision to assets | 0.4755% | 2,085 |
| Net operating income to assets | 0.2812% | 5,445 |
| Return on assets (ROA) | 0.2812% | 5,576 |
| Pretax return on assets | 0.4391% | 5,265 |
| Return on Equity (ROE) | 2.3729% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.3729% | 4,780 |
| Net charge-offs to loans | 1.1147% | 1,411 |
| Credit loss provision to net charge-offs | 51.0602% | 4,556 |
| Earnings coverage of net charge-offs (x) | 0.9822% | 4,559 |
| Efficiency ratio | 78.1344% | 2,689 |
| Assets per employee ($millions) | 3.4565% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3006% | 1,742 |
| Loan loss allowance to noncurrent loans | 63.9275% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 4.6919% | 1,331 |
| Noncurrent loans to loans | 3.5987% | 1,960 |
| Net loans and leases to total assets | 80.2099% | 509 |
| Net loans and leases to deposits | 91.5203% | 1,112 |
| Net loans and leases to core deposits | 99.8389% | 1,354 |
| Total domestic deposits to total assets | 87.6417% | 2,374 |
| Equity capital to assets | 11.7965% | 2,250 |
| Core capital (leverage) ratio | 10.6450% | 2,574 |
| Tier 1 risk-based capital ratio | 14.7059% | 3,670 |
| Total risk-based capital ratio | 15.9545% | 3,637 |
| Memoranda: | ||
| Average total assets | $253,226,670 | 2,510 |
| Average earning assets | $233,275,000 | 2,500 |
| Average equity | $30,005,670 | 2,186 |
| Average total loans | $211,533,330 | 1,985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 5,245 |
| Cost of funding earning assets | 0.8464% | 5,293 |
| Net interest margin | 3.6819% | 4,193 |
| Noninterest income to average assets | 0.5541% | 3,479 |
| Noninterest expense to average assets | 3.4086% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3334% | 5,256 |
| Return on assets (ROA) | 0.3334% | 5,332 |
| Pretax return on assets | 0.5366% | 4,908 |
| Return on Equity (ROE) | 2.8073% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.8073% | 4,486 |
| Net charge-offs to loans | 0.2261% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.8167% | 2,958 |
| Efficiency ratio | 86.3984% | 1,669 |
| Assets per employee ($millions) | 3.5561% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 1,461 |
| Loan loss allowance to noncurrent loans | 56.0704% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 5.2438% | 1,185 |
| Noncurrent loans to loans | 4.4543% | 1,574 |
| Net loans and leases to total assets | 80.6290% | 459 |
| Net loans and leases to deposits | 92.0416% | 1,017 |
| Net loans and leases to core deposits | 100.3480% | 1,312 |
| Total domestic deposits to total assets | 87.6007% | 2,613 |
| Equity capital to assets | 11.7276% | 2,100 |
| Core capital (leverage) ratio | 10.5095% | 2,602 |
| Tier 1 risk-based capital ratio | 14.7317% | 3,590 |
| Total risk-based capital ratio | 16.0028% | 3,539 |
| Memoranda: | ||
| Average total assets | $251,950,000 | 2,552 |
| Average earning assets | $232,052,500 | 2,524 |
| Average equity | $29,922,000 | 2,182 |
| Average total loans | $212,304,000 | 1,993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 5,801 |
| Cost of funding earning assets | 0.9623% | 5,878 |
| Net interest margin | 3.7383% | 4,188 |
| Noninterest income to average assets | 0.0004% | 7,279 |
| Noninterest expense to average assets | 3.1838% | 3,152 |
| Loan and lease loss provision to assets | 3.7764% | 179 |
| Net operating income to assets | -2.2017% | 7,115 |
| Return on assets (ROA) | -2.2017% | 7,127 |
| Pretax return on assets | -3.5146% | 7,371 |
| Return on Equity (ROE) | -18.1133% | 6,999 |
| Retained earnings to average equity (ytd only) | -18.1133% | 6,970 |
| Net charge-offs to loans | 2.9108% | 583 |
| Credit loss provision to net charge-offs | 153.0739% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.1061% | 6,016 |
| Efficiency ratio | 92.4022% | 1,156 |
| Assets per employee ($millions) | 3.4425% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4667% | 1,448 |
| Loan loss allowance to noncurrent loans | 53.3747% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 4.9858% | 1,290 |
| Noncurrent loans to loans | 4.6214% | 1,515 |
| Net loans and leases to total assets | 83.7676% | 323 |
| Net loans and leases to deposits | 95.8096% | 883 |
| Net loans and leases to core deposits | 106.0734% | 1,183 |
| Total domestic deposits to total assets | 87.4313% | 2,592 |
| Equity capital to assets | 12.0297% | 1,896 |
| Core capital (leverage) ratio | 10.7752% | 2,326 |
| Tier 1 risk-based capital ratio | 14.7364% | 3,403 |
| Total risk-based capital ratio | 16.0040% | 3,350 |
| Memoranda: | ||
| Average total assets | $255,163,000 | 2,499 |
| Average earning assets | $235,158,000 | 2,474 |
| Average equity | $31,015,800 | 2,116 |
| Average total loans | $216,266,400 | 2,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 6,208 |
| Cost of funding earning assets | 0.9741% | 6,066 |
| Net interest margin | 3.6718% | 4,534 |
| Noninterest income to average assets | -0.1281% | 7,557 |
| Noninterest expense to average assets | 3.1155% | 3,262 |
| Loan and lease loss provision to assets | 4.9993% | 88 |
| Net operating income to assets | -3.0429% | 7,458 |
| Return on assets (ROA) | -3.0429% | 7,470 |
| Pretax return on assets | -4.8598% | 7,629 |
| Return on Equity (ROE) | -24.9710% | 7,318 |
| Retained earnings to average equity (ytd only) | -24.9710% | 7,307 |
| Net charge-offs to loans | 3.6914% | 355 |
| Credit loss provision to net charge-offs | 160.3061% | 2,360 |
| Earnings coverage of net charge-offs (x) | 0.0448% | 5,984 |
| Efficiency ratio | 95.7125% | 916 |
| Assets per employee ($millions) | 3.5493% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5880% | 1,222 |
| Loan loss allowance to noncurrent loans | 60.7421% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 4.5999% | 1,467 |
| Noncurrent loans to loans | 4.2606% | 1,708 |
| Net loans and leases to total assets | 81.4955% | 559 |
| Net loans and leases to deposits | 92.6671% | 1,364 |
| Net loans and leases to core deposits | 101.7391% | 1,682 |
| Total domestic deposits to total assets | 87.9444% | 1,995 |
| Equity capital to assets | 11.5712% | 2,478 |
| Core capital (leverage) ratio | 10.3486% | 2,859 |
| Tier 1 risk-based capital ratio | 14.4441% | 3,540 |
| Total risk-based capital ratio | 15.7166% | 3,496 |
| Memoranda: | ||
| Average total assets | $256,988,250 | 2,517 |
| Average earning assets | $236,790,250 | 2,495 |
| Average equity | $31,315,500 | 2,109 |
| Average total loans | $217,113,250 | 2,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 6,031 |
| Cost of funding earning assets | 0.9789% | 6,241 |
| Net interest margin | 3.7554% | 4,106 |
| Noninterest income to average assets | -0.3550% | 7,726 |
| Noninterest expense to average assets | 3.1282% | 3,192 |
| Loan and lease loss provision to assets | 7.4852% | 34 |
| Net operating income to assets | -4.6973% | 7,680 |
| Return on assets (ROA) | -4.6973% | 7,682 |
| Pretax return on assets | -7.5116% | 7,772 |
| Return on Equity (ROE) | -37.9154% | 7,516 |
| Retained earnings to average equity (ytd only) | -37.9154% | 7,507 |
| Net charge-offs to loans | 3.9098% | 338 |
| Credit loss provision to net charge-offs | 225.8790% | 1,714 |
| Earnings coverage of net charge-offs (x) | -0.0080% | 5,725 |
| Efficiency ratio | 100.8515% | 777 |
| Assets per employee ($millions) | 3.3873% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3408% | 621 |
| Loan loss allowance to noncurrent loans | 91.8834% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 4.0274% | 1,713 |
| Noncurrent loans to loans | 3.6359% | 2,171 |
| Net loans and leases to total assets | 81.8088% | 557 |
| Net loans and leases to deposits | 92.7645% | 1,429 |
| Net loans and leases to core deposits | 103.1412% | 1,721 |
| Total domestic deposits to total assets | 88.1897% | 1,889 |
| Equity capital to assets | 11.4156% | 2,510 |
| Core capital (leverage) ratio | 10.7779% | 2,414 |
| Tier 1 risk-based capital ratio | 15.1165% | 3,100 |
| Total risk-based capital ratio | 16.4005% | 3,032 |
| Memoranda: | ||
| Average total assets | $257,468,000 | 2,533 |
| Average earning assets | $236,989,000 | 2,519 |
| Average equity | $31,897,330 | 2,068 |
| Average total loans | $218,219,670 | 2,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 6,058 |
| Cost of funding earning assets | 0.9788% | 6,472 |
| Net interest margin | 3.7751% | 3,894 |
| Noninterest income to average assets | -0.8280% | 7,889 |
| Noninterest expense to average assets | 3.0759% | 3,360 |
| Loan and lease loss provision to assets | 11.0749% | 20 |
| Net operating income to assets | -7.0933% | 7,845 |
| Return on assets (ROA) | -7.0933% | 7,846 |
| Pretax return on assets | -11.5036% | 7,906 |
| Return on Equity (ROE) | -55.0917% | 7,731 |
| Retained earnings to average equity (ytd only) | -55.0917% | 7,722 |
| Net charge-offs to loans | 3.8006% | 361 |
| Credit loss provision to net charge-offs | 343.5663% | 1,174 |
| Earnings coverage of net charge-offs (x) | -0.1330% | 5,122 |
| Efficiency ratio | 116.1972% | 494 |
| Assets per employee ($millions) | 3.4525% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1978% | 695 |
| Loan loss allowance to noncurrent loans | 81.7808% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 4.2145% | 1,618 |
| Noncurrent loans to loans | 3.9102% | 2,025 |
| Net loans and leases to total assets | 83.6207% | 408 |
| Net loans and leases to deposits | 95.6008% | 1,159 |
| Net loans and leases to core deposits | 105.7223% | 1,600 |
| Total domestic deposits to total assets | 87.4687% | 2,373 |
| Equity capital to assets | 12.2480% | 1,904 |
| Core capital (leverage) ratio | 12.2480% | 1,522 |
| Tier 1 risk-based capital ratio | 16.5415% | 2,431 |
| Total risk-based capital ratio | 17.1122% | 2,648 |
| Memoranda: | ||
| Average total assets | $257,483,500 | 2,584 |
| Average earning assets | $237,028,000 | 2,563 |
| Average equity | $33,152,000 | 2,021 |
| Average total loans | $218,387,000 | 2,089 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 6,772 |
| Cost of funding earning assets | 1.3711% | 6,050 |
| Net interest margin | 3.5030% | 4,945 |
| Noninterest income to average assets | 0.5602% | 3,942 |
| Noninterest expense to average assets | 2.9457% | 4,360 |
| Loan and lease loss provision to assets | 0.4214% | 4,300 |
| Net operating income to assets | 0.2651% | 4,664 |
| Return on assets (ROA) | 0.2651% | 4,744 |
| Pretax return on assets | 0.4274% | 4,411 |
| Return on Equity (ROE) | 1.9966% | 4,903 |
| Retained earnings to average equity (ytd only) | 1.9966% | 3,706 |
| Net charge-offs to loans | 0.8149% | 2,789 |
| Credit loss provision to net charge-offs | 63.0533% | 6,598 |
| Earnings coverage of net charge-offs (x) | 1.2701% | 4,856 |
| Efficiency ratio | 77.6312% | 3,254 |
| Assets per employee ($millions) | 3.6018% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 6,920 |
| Loan loss allowance to noncurrent loans | 12.3098% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 7.2607% | 687 |
| Noncurrent loans to loans | 7.0793% | 788 |
| Net loans and leases to total assets | 82.5877% | 596 |
| Net loans and leases to deposits | 105.9164% | 551 |
| Net loans and leases to core deposits | 147.0711% | 587 |
| Total domestic deposits to total assets | 77.9744% | 6,226 |
| Equity capital to assets | 13.4767% | 1,330 |
| Core capital (leverage) ratio | 13.4767% | 1,097 |
| Tier 1 risk-based capital ratio | 18.6862% | 1,721 |
| Total risk-based capital ratio | 18.7901% | 1,978 |
| Memoranda: | ||
| Average total assets | $263,668,600 | 2,482 |
| Average earning assets | $243,448,800 | 2,471 |
| Average equity | $35,008,800 | 1,920 |
| Average total loans | $216,223,200 | 2,140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 6,862 |
| Cost of funding earning assets | 1.4794% | 5,916 |
| Net interest margin | 3.4294% | 5,146 |
| Noninterest income to average assets | 0.6160% | 3,580 |
| Noninterest expense to average assets | 2.9440% | 4,257 |
| Loan and lease loss provision to assets | 0.4730% | 3,543 |
| Net operating income to assets | 0.2269% | 5,068 |
| Return on assets (ROA) | 0.2269% | 5,149 |
| Pretax return on assets | 0.3653% | 4,893 |
| Return on Equity (ROE) | 1.7152% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.7152% | 4,352 |
| Net charge-offs to loans | 1.0387% | 1,901 |
| Credit loss provision to net charge-offs | 55.7475% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.9881% | 5,067 |
| Efficiency ratio | 77.8357% | 3,188 |
| Assets per employee ($millions) | 3.6736% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 7,030 |
| Loan loss allowance to noncurrent loans | 14.0493% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 5.5487% | 1,023 |
| Noncurrent loans to loans | 5.9046% | 1,015 |
| Net loans and leases to total assets | 79.9028% | 1,186 |
| Net loans and leases to deposits | 104.6083% | 729 |
| Net loans and leases to core deposits | 143.2033% | 790 |
| Total domestic deposits to total assets | 76.3828% | 6,502 |
| Equity capital to assets | 12.9428% | 1,722 |
| Core capital (leverage) ratio | 12.9428% | 1,391 |
| Tier 1 risk-based capital ratio | 18.0766% | 1,963 |
| Total risk-based capital ratio | 19.0101% | 2,003 |
| Memoranda: | ||
| Average total assets | $263,852,000 | 2,491 |
| Average earning assets | $243,610,750 | 2,479 |
| Average equity | $34,902,250 | 1,943 |
| Average total loans | $215,513,750 | 2,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 6,922 |
| Cost of funding earning assets | 1.6344% | 5,586 |
| Net interest margin | 3.3154% | 5,492 |
| Noninterest income to average assets | 0.7137% | 2,906 |
| Noninterest expense to average assets | 2.9511% | 4,284 |
| Loan and lease loss provision to assets | 0.7167% | 2,288 |
| Net operating income to assets | 0.0567% | 5,692 |
| Return on assets (ROA) | 0.0567% | 5,779 |
| Pretax return on assets | 0.0950% | 5,687 |
| Return on Equity (ROE) | 0.4252% | 5,805 |
| Retained earnings to average equity (ytd only) | 0.4252% | 5,047 |
| Net charge-offs to loans | 1.5527% | 1,219 |
| Credit loss provision to net charge-offs | 56.2500% | 5,657 |
| Earnings coverage of net charge-offs (x) | 0.6370% | 5,061 |
| Efficiency ratio | 78.4290% | 3,288 |
| Assets per employee ($millions) | 3.3080% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 7,052 |
| Loan loss allowance to noncurrent loans | 16.2830% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 4.9411% | 1,085 |
| Noncurrent loans to loans | 5.0943% | 1,190 |
| Net loans and leases to total assets | 80.7442% | 1,180 |
| Net loans and leases to deposits | 104.0717% | 910 |
| Net loans and leases to core deposits | 143.7202% | 849 |
| Total domestic deposits to total assets | 77.5851% | 6,183 |
| Equity capital to assets | 12.8330% | 1,775 |
| Core capital (leverage) ratio | 12.8330% | 1,486 |
| Tier 1 risk-based capital ratio | 18.3460% | 1,918 |
| Total risk-based capital ratio | 19.3115% | 1,941 |
| Memoranda: | ||
| Average total assets | $261,186,330 | 2,525 |
| Average earning assets | $240,213,000 | 2,519 |
| Average equity | $34,808,000 | 1,948 |
| Average total loans | $214,341,000 | 2,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 7,059 |
| Cost of funding earning assets | 1.7680% | 5,274 |
| Net interest margin | 3.1803% | 5,924 |
| Noninterest income to average assets | 0.4013% | 5,200 |
| Noninterest expense to average assets | 2.9623% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2217% | 5,595 |
| Return on assets (ROA) | 0.2217% | 5,755 |
| Pretax return on assets | 0.3576% | 5,519 |
| Return on Equity (ROE) | 1.6319% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.6319% | 4,932 |
| Net charge-offs to loans | 1.7794% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.2439% | 4,784 |
| Efficiency ratio | 89.2286% | 1,785 |
| Assets per employee ($millions) | 3.3035% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 7,306 |
| Loan loss allowance to noncurrent loans | 14.5174% | 7,414 |
| Noncurrent assets plus other real estate owned to assets | 4.9281% | 926 |
| Noncurrent loans to loans | 5.1782% | 1,033 |
| Net loans and leases to total assets | 81.9541% | 1,028 |
| Net loans and leases to deposits | 104.1813% | 1,001 |
| Net loans and leases to core deposits | 143.9587% | 935 |
| Total domestic deposits to total assets | 78.6648% | 5,830 |
| Equity capital to assets | 13.3646% | 1,588 |
| Core capital (leverage) ratio | 13.3646% | 1,365 |
| Tier 1 risk-based capital ratio | 18.9402% | 1,826 |
| Total risk-based capital ratio | 19.8199% | 1,866 |
| Memoranda: | ||
| Average total assets | $256,153,000 | 2,580 |
| Average earning assets | $235,071,000 | 2,585 |
| Average equity | $34,807,000 | 1,957 |
| Average total loans | $211,085,000 | 2,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4849% | 3,033 |
| Cost of funding earning assets | 2.1817% | 5,674 |
| Net interest margin | 4.3031% | 1,957 |
| Noninterest income to average assets | 0.5351% | 4,360 |
| Noninterest expense to average assets | 3.3226% | 2,892 |
| Loan and lease loss provision to assets | 0.5055% | 2,791 |
| Net operating income to assets | 0.4524% | 4,943 |
| Return on assets (ROA) | 0.4550% | 4,758 |
| Pretax return on assets | 0.7099% | 4,363 |
| Return on Equity (ROE) | 3.3197% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.3197% | 3,081 |
| Net charge-offs to loans | 0.1355% | 4,867 |
| Credit loss provision to net charge-offs | 440.9091% | 988 |
| Earnings coverage of net charge-offs (x) | 10.5664% | 2,494 |
| Efficiency ratio | 73.2826% | 3,695 |
| Assets per employee ($millions) | 2.7619% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 4,247 |
| Loan loss allowance to noncurrent loans | 40.9768% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 3.1663% | 1,443 |
| Noncurrent loans to loans | 3.0217% | 1,774 |
| Net loans and leases to total assets | 81.2122% | 1,384 |
| Net loans and leases to deposits | 101.6935% | 1,614 |
| Net loans and leases to core deposits | 137.5814% | 1,404 |
| Total domestic deposits to total assets | 79.8598% | 5,079 |
| Equity capital to assets | 13.8207% | 1,486 |
| Core capital (leverage) ratio | 13.8207% | 1,307 |
| Tier 1 risk-based capital ratio | 19.6127% | 1,682 |
| Total risk-based capital ratio | 20.8650% | 1,638 |
| Memoranda: | ||
| Average total assets | $249,469,800 | 2,569 |
| Average earning assets | $231,832,600 | 2,536 |
| Average equity | $34,189,600 | 1,986 |
| Average total loans | $211,071,600 | 2,196 |