Home > Lake Community Bank > Performance and Condition Ratios
Lake Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 2,771 |
| Cost of funding earning assets | 0.9652% | 3,380 |
| Net interest margin | 3.6924% | 1,775 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.9531% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1889% | 1,672 |
| Return on assets (ROA) | 1.1889% | 1,653 |
| Pretax return on assets | 1.6493% | 1,150 |
| Return on Equity (ROE) | 8.4800% | 2,898 |
| Retained earnings to average equity (ytd only) | 5.0750% | 2,583 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.2160% | 3,664 |
| Assets per employee ($millions) | 10.6399% | 594 |
| Cash dividends to net income (ytd only)* | 40.1714% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 1,796 |
| Loan loss allowance to noncurrent loans | 7,812.5000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,695 |
| Noncurrent loans to loans | 0.0166% | 3,629 |
| Net loans and leases to total assets | 68.9600% | 1,924 |
| Net loans and leases to deposits | 83.0783% | 1,849 |
| Net loans and leases to core deposits | 83.8539% | 2,463 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 16.5292% | 421 |
| Core capital (leverage) ratio | 12.6671% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9566% | 926 |
| Memoranda: | ||
| Average total assets | $157,035,000 | 3,303 |
| Average earning assets | $146,599,400 | 3,279 |
| Average equity | $22,009,800 | 2,696 |
| Average total loans | $100,293,800 | 3,170 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,898 |
| Cost of funding earning assets | 0.8706% | 3,341 |
| Net interest margin | 3.6367% | 1,911 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8980% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1765% | 1,859 |
| Return on assets (ROA) | 1.1765% | 1,842 |
| Pretax return on assets | 1.6564% | 1,246 |
| Return on Equity (ROE) | 8.7300% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.1412% | 3,220 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3983% | 3,641 |
| Assets per employee ($millions) | 12.4838% | 336 |
| Cash dividends to net income (ytd only)* | 52.5578% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 1,831 |
| Loan loss allowance to noncurrent loans | 6,578.9474% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,735 |
| Noncurrent loans to loans | 0.0199% | 3,624 |
| Net loans and leases to total assets | 58.1300% | 3,021 |
| Net loans and leases to deposits | 75.2933% | 2,475 |
| Net loans and leases to core deposits | 75.7832% | 2,881 |
| Total domestic deposits to total assets | 77.2100% | 3,904 |
| Equity capital to assets | 13.5326% | 717 |
| Core capital (leverage) ratio | 11.2841% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2795% | 1,056 |
| Memoranda: | ||
| Average total assets | $161,714,000 | 3,269 |
| Average earning assets | $151,305,000 | 3,254 |
| Average equity | $21,796,500 | 2,698 |
| Average total loans | $101,209,000 | 3,165 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,817 |
| Cost of funding earning assets | 0.7099% | 3,457 |
| Net interest margin | 3.7178% | 1,787 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.9316% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2036% | 1,827 |
| Return on assets (ROA) | 1.2036% | 1,812 |
| Pretax return on assets | 1.6964% | 1,223 |
| Return on Equity (ROE) | 8.9400% | 3,000 |
| Retained earnings to average equity (ytd only) | 2.0422% | 3,716 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.2423% | 3,675 |
| Assets per employee ($millions) | 12.5833% | 330 |
| Cash dividends to net income (ytd only)* | 77.1605% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,077 |
| Loan loss allowance to noncurrent loans | 5,952.3810% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,717 |
| Noncurrent loans to loans | 0.0213% | 3,607 |
| Net loans and leases to total assets | 59.4700% | 2,824 |
| Net loans and leases to deposits | 76.4954% | 2,261 |
| Net loans and leases to core deposits | 76.9858% | 2,690 |
| Total domestic deposits to total assets | 77.7400% | 3,877 |
| Equity capital to assets | 13.2263% | 766 |
| Core capital (leverage) ratio | 11.8285% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4046% | 1,238 |
| Memoranda: | ||
| Average total assets | $161,522,000 | 3,277 |
| Average earning assets | $151,002,667 | 3,263 |
| Average equity | $21,741,333 | 2,715 |
| Average total loans | $103,080,667 | 3,138 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 2,771 |
| Cost of funding earning assets | 0.4905% | 3,725 |
| Net interest margin | 3.8231% | 1,637 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.9390% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2711% | 1,751 |
| Return on assets (ROA) | 1.2711% | 1,715 |
| Pretax return on assets | 1.7895% | 1,084 |
| Return on Equity (ROE) | 9.3600% | 2,954 |
| Retained earnings to average equity (ytd only) | -4.4049% | 4,307 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.0053% | 3,776 |
| Assets per employee ($millions) | 12.0706% | 390 |
| Cash dividends to net income (ytd only)* | 147.0588% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,575 |
| Loan loss allowance to noncurrent loans | 5,208.3333% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,684 |
| Noncurrent loans to loans | 0.0230% | 3,606 |
| Net loans and leases to total assets | 65.8000% | 2,079 |
| Net loans and leases to deposits | 76.9543% | 2,044 |
| Net loans and leases to core deposits | 77.5164% | 2,425 |
| Total domestic deposits to total assets | 85.5000% | 2,725 |
| Equity capital to assets | 13.5842% | 658 |
| Core capital (leverage) ratio | 11.0961% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2534% | 1,557 |
| Memoranda: | ||
| Average total assets | $160,491,500 | 3,332 |
| Average earning assets | $150,037,000 | 3,317 |
| Average equity | $21,794,000 | 2,737 |
| Average total loans | $105,356,000 | 3,144 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 2,160 |
| Cost of funding earning assets | 0.2095% | 3,680 |
| Net interest margin | 3.6337% | 1,543 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.1146% | 3,252 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9634% | 2,707 |
| Return on assets (ROA) | 0.9904% | 2,552 |
| Pretax return on assets | 1.3935% | 1,786 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.1862% | 2,154 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.4335% | 3,127 |
| Assets per employee ($millions) | 12.6204% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1271% | 4,592 |
| Loan loss allowance to noncurrent loans | 519.2308% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,695 |
| Noncurrent loans to loans | 0.0245% | 3,619 |
| Net loans and leases to total assets | 64.6600% | 2,179 |
| Net loans and leases to deposits | 75.1560% | 2,161 |
| Net loans and leases to core deposits | 75.9895% | 2,423 |
| Total domestic deposits to total assets | 86.0300% | 2,714 |
| Equity capital to assets | 13.5751% | 620 |
| Core capital (leverage) ratio | 11.3479% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1354% | 1,594 |
| Memoranda: | ||
| Average total assets | $160,743,200 | 3,339 |
| Average earning assets | $150,808,600 | 3,323 |
| Average equity | $22,153,600 | 2,760 |
| Average total loans | $104,997,800 | 3,084 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6549% | 2,184 |
| Cost of funding earning assets | 0.1794% | 3,526 |
| Net interest margin | 3.4755% | 1,736 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.8585% | 3,845 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0292% | 2,368 |
| Return on assets (ROA) | 1.0647% | 2,191 |
| Pretax return on assets | 1.4983% | 1,412 |
| Return on Equity (ROE) | 7.7000% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.6958% | 2,115 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4721% | 3,778 |
| Assets per employee ($millions) | 11.5981% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1131% | 4,635 |
| Loan loss allowance to noncurrent loans | 413.7931% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,773 |
| Noncurrent loans to loans | 0.0273% | 3,704 |
| Net loans and leases to total assets | 65.2600% | 1,954 |
| Net loans and leases to deposits | 75.6166% | 1,911 |
| Net loans and leases to core deposits | 76.6188% | 2,153 |
| Total domestic deposits to total assets | 86.3000% | 2,985 |
| Equity capital to assets | 13.5220% | 613 |
| Core capital (leverage) ratio | 11.4840% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6688% | 1,825 |
| Memoranda: | ||
| Average total assets | $159,912,750 | 3,368 |
| Average earning assets | $150,113,500 | 3,347 |
| Average equity | $22,124,000 | 2,810 |
| Average total loans | $104,693,750 | 3,100 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 2,187 |
| Cost of funding earning assets | 0.1620% | 3,416 |
| Net interest margin | 3.3200% | 1,853 |
| Noninterest income to average assets | 0.1483% | 4,274 |
| Noninterest expense to average assets | 1.8291% | 3,887 |
| Loan and lease loss provision to assets | 0.1320% | 731 |
| Net operating income to assets | 0.9222% | 2,480 |
| Return on assets (ROA) | 0.9768% | 2,212 |
| Pretax return on assets | 1.3740% | 1,510 |
| Return on Equity (ROE) | 7.0063% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.0063% | 1,987 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0046% | 3,770 |
| Assets per employee ($millions) | 11.7484% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0994% | 4,705 |
| Loan loss allowance to noncurrent loans | 338.7097% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 3,826 |
| Noncurrent loans to loans | 0.0293% | 3,738 |
| Net loans and leases to total assets | 64.1745% | 1,892 |
| Net loans and leases to deposits | 74.0588% | 1,866 |
| Net loans and leases to core deposits | 75.0194% | 2,092 |
| Total domestic deposits to total assets | 86.6535% | 3,055 |
| Equity capital to assets | 13.2109% | 628 |
| Core capital (leverage) ratio | 11.3919% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5517% | 2,271 |
| Memoranda: | ||
| Average total assets | $159,092,667 | 3,420 |
| Average earning assets | $149,396,000 | 3,403 |
| Average equity | $22,180,000 | 2,877 |
| Average total loans | $104,230,667 | 3,131 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2189% | 2,627 |
| Cost of funding earning assets | 0.1661% | 3,276 |
| Net interest margin | 3.0528% | 2,318 |
| Noninterest income to average assets | 0.1560% | 4,221 |
| Noninterest expense to average assets | 1.8517% | 3,806 |
| Loan and lease loss provision to assets | 0.1535% | 513 |
| Net operating income to assets | 0.7129% | 3,007 |
| Return on assets (ROA) | 0.8261% | 2,567 |
| Pretax return on assets | 1.1611% | 1,949 |
| Return on Equity (ROE) | 5.7664% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,328 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2521% | 3,350 |
| Assets per employee ($millions) | 10.4994% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0581% | 4,741 |
| Loan loss allowance to noncurrent loans | 176.4706% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,827 |
| Noncurrent loans to loans | 0.0329% | 3,746 |
| Net loans and leases to total assets | 65.5180% | 1,458 |
| Net loans and leases to deposits | 76.5138% | 1,399 |
| Net loans and leases to core deposits | 77.7710% | 1,632 |
| Total domestic deposits to total assets | 85.6290% | 3,367 |
| Equity capital to assets | 14.1640% | 503 |
| Core capital (leverage) ratio | 11.4397% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0096% | 2,198 |
| Memoranda: | ||
| Average total assets | $156,400,000 | 3,458 |
| Average earning assets | $146,882,000 | 3,439 |
| Average equity | $22,405,500 | 2,948 |
| Average total loans | $103,517,000 | 3,143 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,837 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.0000% | 4,835 |
| Noninterest income to average assets | 0.0000% | 4,810 |
| Noninterest expense to average assets | 0.0000% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0000% | 4,680 |
| Return on assets (ROA) | 0.0000% | 4,691 |
| Pretax return on assets | 0.0000% | 4,690 |
| Return on Equity (ROE) | 0.0000% | 4,691 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 10.3539% | 604 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,894 |
| Noncurrent loans to loans | 0.0347% | 3,828 |
| Net loans and leases to total assets | 66.8274% | 1,395 |
| Net loans and leases to deposits | 78.4889% | 1,355 |
| Net loans and leases to core deposits | 79.7843% | 1,611 |
| Total domestic deposits to total assets | 85.1425% | 3,225 |
| Equity capital to assets | 14.4898% | 580 |
| Core capital (leverage) ratio | 11.9127% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8019% | 2,320 |
| Memoranda: | ||
| Average total assets | $147,368,200 | 3,513 |
| Average earning assets | $142,491,600 | 3,450 |
| Average equity | $17,671,000 | 3,414 |
| Average total loans | $95,380,200 | 3,257 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 3,130 |
| Cost of funding earning assets | 0.2456% | 3,159 |
| Net interest margin | 3.1440% | 2,920 |
| Noninterest income to average assets | 0.1596% | 4,405 |
| Noninterest expense to average assets | 1.9736% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8887% | 3,281 |
| Return on assets (ROA) | 0.8887% | 3,353 |
| Pretax return on assets | 1.2500% | 2,772 |
| Return on Equity (ROE) | 7.8478% | 3,447 |
| Retained earnings to average equity (ytd only) | 1.8546% | 4,231 |
| Net charge-offs to loans | 0.0014% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,363.0000% | 117 |
| Efficiency ratio | 61.2233% | 2,800 |
| Assets per employee ($millions) | 9.8549% | 665 |
| Cash dividends to net income (ytd only)* | 76.3674% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,887.1795% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,998 |
| Noncurrent loans to loans | 0.0404% | 3,923 |
| Net loans and leases to total assets | 64.4780% | 1,710 |
| Net loans and leases to deposits | 73.2677% | 1,931 |
| Net loans and leases to core deposits | 74.4943% | 2,188 |
| Total domestic deposits to total assets | 88.0033% | 1,840 |
| Equity capital to assets | 11.3439% | 1,774 |
| Core capital (leverage) ratio | 11.0896% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5583% | 1,777 |
| Memoranda: | ||
| Average total assets | $145,383,000 | 3,565 |
| Average earning assets | $141,683,250 | 3,493 |
| Average equity | $16,462,750 | 3,554 |
| Average total loans | $93,278,000 | 3,331 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1340% | 3,794 |
| Cost of funding earning assets | 0.2627% | 3,164 |
| Net interest margin | 2.8713% | 3,636 |
| Noninterest income to average assets | 0.1577% | 4,407 |
| Noninterest expense to average assets | 1.9492% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7152% | 3,723 |
| Return on assets (ROA) | 0.7152% | 3,790 |
| Pretax return on assets | 1.0057% | 3,436 |
| Return on Equity (ROE) | 6.3200% | 3,829 |
| Retained earnings to average equity (ytd only) | -2.7261% | 4,704 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9644% | 2,158 |
| Assets per employee ($millions) | 9.7841% | 652 |
| Cash dividends to net income (ytd only)* | 143.1335% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,953 |
| Loan loss allowance to noncurrent loans | 2,561.3636% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,053 |
| Noncurrent loans to loans | 0.0467% | 3,944 |
| Net loans and leases to total assets | 63.4497% | 2,022 |
| Net loans and leases to deposits | 71.7959% | 2,229 |
| Net loans and leases to core deposits | 75.4515% | 2,293 |
| Total domestic deposits to total assets | 88.3751% | 1,631 |
| Equity capital to assets | 11.1078% | 1,906 |
| Core capital (leverage) ratio | 10.8301% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4692% | 1,811 |
| Memoranda: | ||
| Average total assets | $144,569,333 | 3,579 |
| Average earning assets | $140,844,333 | 3,504 |
| Average equity | $16,360,667 | 3,570 |
| Average total loans | $92,224,000 | 3,367 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1586% | 3,760 |
| Cost of funding earning assets | 0.2806% | 3,184 |
| Net interest margin | 2.8780% | 3,578 |
| Noninterest income to average assets | 0.1561% | 4,423 |
| Noninterest expense to average assets | 1.9432% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7165% | 3,671 |
| Return on assets (ROA) | 0.7165% | 3,737 |
| Pretax return on assets | 1.0148% | 3,332 |
| Return on Equity (ROE) | 6.2721% | 3,781 |
| Retained earnings to average equity (ytd only) | -11.7877% | 4,839 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6927% | 2,274 |
| Assets per employee ($millions) | 9.7420% | 644 |
| Cash dividends to net income (ytd only)* | 287.9377% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,733 |
| Loan loss allowance to noncurrent loans | 2,561.3636% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,146 |
| Noncurrent loans to loans | 0.0483% | 4,044 |
| Net loans and leases to total assets | 61.5876% | 2,330 |
| Net loans and leases to deposits | 69.6283% | 2,549 |
| Net loans and leases to core deposits | 73.1828% | 2,596 |
| Total domestic deposits to total assets | 88.4521% | 1,630 |
| Equity capital to assets | 11.0087% | 1,853 |
| Core capital (leverage) ratio | 10.7646% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8445% | 1,622 |
| Memoranda: | ||
| Average total assets | $143,473,000 | 3,599 |
| Average earning assets | $139,682,500 | 3,519 |
| Average equity | $16,390,000 | 3,571 |
| Average total loans | $91,212,500 | 3,389 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 2,806 |
| Cost of funding earning assets | 0.4264% | 3,425 |
| Net interest margin | 3.5482% | 2,317 |
| Noninterest income to average assets | 0.1677% | 4,452 |
| Noninterest expense to average assets | 2.1673% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9975% | 2,300 |
| Return on assets (ROA) | 1.1210% | 1,958 |
| Pretax return on assets | 1.6015% | 1,073 |
| Return on Equity (ROE) | 9.2478% | 2,294 |
| Retained earnings to average equity (ytd only) | 0.3240% | 4,419 |
| Net charge-offs to loans | 0.2755% | 621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 7.5315% | 2,690 |
| Efficiency ratio | 59.9958% | 3,457 |
| Assets per employee ($millions) | 9.3877% | 650 |
| Cash dividends to net income (ytd only)* | 96.4960% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,777 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,197 |
| Noncurrent loans to loans | 0.0504% | 4,093 |
| Net loans and leases to total assets | 64.0360% | 2,359 |
| Net loans and leases to deposits | 75.5502% | 2,325 |
| Net loans and leases to core deposits | 79.9116% | 2,373 |
| Total domestic deposits to total assets | 84.7595% | 2,851 |
| Equity capital to assets | 11.8545% | 1,646 |
| Core capital (leverage) ratio | 11.5358% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5467% | 1,139 |
| Memoranda: | ||
| Average total assets | $132,376,600 | 3,601 |
| Average earning assets | $128,516,200 | 3,526 |
| Average equity | $16,047,000 | 3,545 |
| Average total loans | $92,180,800 | 3,367 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,438 |
| Cost of funding earning assets | 0.4534% | 3,506 |
| Net interest margin | 3.7298% | 1,841 |
| Noninterest income to average assets | 0.1720% | 4,437 |
| Noninterest expense to average assets | 2.1924% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1008% | 1,976 |
| Return on assets (ROA) | 1.2681% | 1,542 |
| Pretax return on assets | 1.8116% | 758 |
| Return on Equity (ROE) | 10.3992% | 1,875 |
| Retained earnings to average equity (ytd only) | -1.6199% | 4,673 |
| Net charge-offs to loans | 0.3665% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 6.1535% | 2,672 |
| Efficiency ratio | 57.8138% | 3,692 |
| Assets per employee ($millions) | 9.5190% | 595 |
| Cash dividends to net income (ytd only)* | 115.5771% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,939 |
| Loan loss allowance to noncurrent loans | 2,302.0408% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,284 |
| Noncurrent loans to loans | 0.0499% | 4,173 |
| Net loans and leases to total assets | 67.9224% | 2,256 |
| Net loans and leases to deposits | 82.6802% | 2,044 |
| Net loans and leases to core deposits | 87.7754% | 2,168 |
| Total domestic deposits to total assets | 82.1508% | 3,382 |
| Equity capital to assets | 11.4970% | 2,007 |
| Core capital (leverage) ratio | 11.3745% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8545% | 1,288 |
| Memoranda: | ||
| Average total assets | $130,266,750 | 3,612 |
| Average earning assets | $126,438,750 | 3,533 |
| Average equity | $15,885,500 | 3,564 |
| Average total loans | $92,401,000 | 3,378 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,487 |
| Cost of funding earning assets | 0.4955% | 3,564 |
| Net interest margin | 3.4486% | 2,948 |
| Noninterest income to average assets | 0.1745% | 4,416 |
| Noninterest expense to average assets | 2.2586% | 3,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8366% | 2,911 |
| Return on assets (ROA) | 1.0960% | 2,099 |
| Pretax return on assets | 1.5893% | 1,253 |
| Return on Equity (ROE) | 8.7977% | 2,452 |
| Retained earnings to average equity (ytd only) | -9.4343% | 4,908 |
| Net charge-offs to loans | 0.5613% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.1299% | 2,707 |
| Efficiency ratio | 64.1731% | 2,800 |
| Assets per employee ($millions) | 8.7041% | 754 |
| Cash dividends to net income (ytd only)* | 207.2359% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,507 |
| Loan loss allowance to noncurrent loans | 2,209.8039% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,361 |
| Noncurrent loans to loans | 0.0544% | 4,264 |
| Net loans and leases to total assets | 66.5386% | 2,554 |
| Net loans and leases to deposits | 80.8426% | 2,336 |
| Net loans and leases to core deposits | 86.0903% | 2,428 |
| Total domestic deposits to total assets | 82.3064% | 3,285 |
| Equity capital to assets | 11.3467% | 2,085 |
| Core capital (leverage) ratio | 11.2610% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6349% | 1,105 |
| Memoranda: | ||
| Average total assets | $126,094,000 | 3,644 |
| Average earning assets | $122,309,667 | 3,573 |
| Average equity | $15,708,667 | 3,584 |
| Average total loans | $90,497,667 | 3,399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2850% | 2,971 |
| Cost of funding earning assets | 0.5628% | 3,630 |
| Net interest margin | 3.7222% | 2,258 |
| Noninterest income to average assets | 0.2008% | 4,352 |
| Noninterest expense to average assets | 2.4099% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9354% | 2,396 |
| Return on assets (ROA) | 1.4827% | 887 |
| Pretax return on assets | 2.0919% | 374 |
| Return on Equity (ROE) | 11.3140% | 1,322 |
| Retained earnings to average equity (ytd only) | -25.2586% | 5,009 |
| Net charge-offs to loans | 1.1660% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.6139% | 2,367 |
| Efficiency ratio | 63.2689% | 3,332 |
| Assets per employee ($millions) | 6.9312% | 1,127 |
| Cash dividends to net income (ytd only)* | 323.2506% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,283 |
| Loan loss allowance to noncurrent loans | 2,077.7778% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,382 |
| Noncurrent loans to loans | 0.0611% | 4,298 |
| Net loans and leases to total assets | 73.9930% | 1,603 |
| Net loans and leases to deposits | 85.3493% | 2,076 |
| Net loans and leases to core deposits | 91.9800% | 2,156 |
| Total domestic deposits to total assets | 86.6944% | 1,693 |
| Equity capital to assets | 12.7523% | 1,588 |
| Core capital (leverage) ratio | 12.6184% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6989% | 1,419 |
| Memoranda: | ||
| Average total assets | $119,508,500 | 3,709 |
| Average earning assets | $115,846,500 | 3,625 |
| Average equity | $15,662,000 | 3,595 |
| Average total loans | $88,850,500 | 3,420 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 2,655 |
| Cost of funding earning assets | 0.5725% | 3,757 |
| Net interest margin | 4.0167% | 1,801 |
| Noninterest income to average assets | 0.3105% | 3,839 |
| Noninterest expense to average assets | 2.4828% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2177% | 1,989 |
| Return on assets (ROA) | 1.2150% | 2,093 |
| Pretax return on assets | 1.7112% | 1,161 |
| Return on Equity (ROE) | 9.2701% | 2,624 |
| Retained earnings to average equity (ytd only) | 0.4278% | 4,568 |
| Net charge-offs to loans | -0.0091% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1507% | 3,819 |
| Assets per employee ($millions) | 6.7326% | 1,159 |
| Cash dividends to net income (ytd only)* | 95.3857% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,103 |
| Loan loss allowance to noncurrent loans | 435.6467% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 3,385 |
| Noncurrent loans to loans | 0.3546% | 3,176 |
| Net loans and leases to total assets | 72.6250% | 1,986 |
| Net loans and leases to deposits | 84.4021% | 2,295 |
| Net loans and leases to core deposits | 90.8192% | 2,343 |
| Total domestic deposits to total assets | 86.0464% | 2,051 |
| Equity capital to assets | 13.4486% | 1,298 |
| Core capital (leverage) ratio | 13.1915% | 1,156 |
| Tier 1 risk-based capital ratio | 16.2304% | 2,322 |
| Total risk-based capital ratio | 17.4825% | 2,265 |
| Memoranda: | ||
| Average total assets | $119,503,800 | 3,712 |
| Average earning assets | $115,642,800 | 3,624 |
| Average equity | $15,663,200 | 3,575 |
| Average total loans | $88,023,800 | 3,450 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 2,845 |
| Cost of funding earning assets | 0.5604% | 3,869 |
| Net interest margin | 4.0052% | 1,916 |
| Noninterest income to average assets | 0.3426% | 3,679 |
| Noninterest expense to average assets | 2.4710% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2407% | 2,047 |
| Return on assets (ROA) | 1.2372% | 2,145 |
| Pretax return on assets | 1.7399% | 1,222 |
| Return on Equity (ROE) | 9.5024% | 2,669 |
| Retained earnings to average equity (ytd only) | -2.4078% | 4,957 |
| Net charge-offs to loans | -0.0061% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6189% | 3,846 |
| Assets per employee ($millions) | 6.6646% | 1,180 |
| Cash dividends to net income (ytd only)* | 125.3390% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 1,193 |
| Loan loss allowance to noncurrent loans | 403.8123% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,414 |
| Noncurrent loans to loans | 0.3769% | 3,208 |
| Net loans and leases to total assets | 74.2746% | 1,763 |
| Net loans and leases to deposits | 86.2564% | 2,166 |
| Net loans and leases to core deposits | 92.8959% | 2,279 |
| Total domestic deposits to total assets | 86.1091% | 1,942 |
| Equity capital to assets | 13.2816% | 1,468 |
| Core capital (leverage) ratio | 13.0211% | 1,331 |
| Tier 1 risk-based capital ratio | 15.7276% | 2,542 |
| Total risk-based capital ratio | 16.9789% | 2,481 |
| Memoranda: | ||
| Average total assets | $119,083,000 | 3,758 |
| Average earning assets | $115,147,500 | 3,664 |
| Average equity | $15,504,500 | 3,628 |
| Average total loans | $87,681,500 | 3,496 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 2,900 |
| Cost of funding earning assets | 0.5211% | 4,030 |
| Net interest margin | 4.0137% | 1,881 |
| Noninterest income to average assets | 0.3990% | 3,279 |
| Noninterest expense to average assets | 2.4867% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2714% | 1,877 |
| Return on assets (ROA) | 1.2661% | 1,955 |
| Pretax return on assets | 1.7830% | 1,081 |
| Return on Equity (ROE) | 9.7906% | 2,486 |
| Retained earnings to average equity (ytd only) | -8.2413% | 5,139 |
| Net charge-offs to loans | -0.0069% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1496% | 3,992 |
| Assets per employee ($millions) | 6.4884% | 1,244 |
| Cash dividends to net income (ytd only)* | 184.1755% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,140 |
| Loan loss allowance to noncurrent loans | 325.0591% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 3,085 |
| Noncurrent loans to loans | 0.4760% | 2,849 |
| Net loans and leases to total assets | 74.9075% | 1,740 |
| Net loans and leases to deposits | 86.9184% | 2,143 |
| Net loans and leases to core deposits | 93.3214% | 2,297 |
| Total domestic deposits to total assets | 86.1814% | 1,940 |
| Equity capital to assets | 13.2638% | 1,457 |
| Core capital (leverage) ratio | 13.0563% | 1,270 |
| Tier 1 risk-based capital ratio | 15.5157% | 2,625 |
| Total risk-based capital ratio | 16.7674% | 2,551 |
| Memoranda: | ||
| Average total assets | $118,789,670 | 3,785 |
| Average earning assets | $114,756,670 | 3,692 |
| Average equity | $15,361,670 | 3,652 |
| Average total loans | $86,749,000 | 3,536 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 3,288 |
| Cost of funding earning assets | 0.4879% | 4,115 |
| Net interest margin | 3.8965% | 2,201 |
| Noninterest income to average assets | 0.2638% | 4,119 |
| Noninterest expense to average assets | 2.3675% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2422% | 1,916 |
| Return on assets (ROA) | 1.2422% | 1,962 |
| Pretax return on assets | 1.6563% | 1,318 |
| Return on Equity (ROE) | 9.7274% | 2,482 |
| Retained earnings to average equity (ytd only) | -26.4889% | 5,295 |
| Net charge-offs to loans | -0.0047% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8382% | 3,973 |
| Assets per employee ($millions) | 7.0754% | 971 |
| Cash dividends to net income (ytd only)* | 372.3118% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,139 |
| Loan loss allowance to noncurrent loans | 292.9638% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,525 |
| Noncurrent loans to loans | 0.5347% | 2,708 |
| Net loans and leases to total assets | 71.7780% | 2,203 |
| Net loans and leases to deposits | 82.2992% | 2,583 |
| Net loans and leases to core deposits | 88.1141% | 2,673 |
| Total domestic deposits to total assets | 87.2159% | 1,707 |
| Equity capital to assets | 12.3701% | 1,810 |
| Core capital (leverage) ratio | 12.5567% | 1,475 |
| Tier 1 risk-based capital ratio | 14.9934% | 2,892 |
| Total risk-based capital ratio | 16.2447% | 2,815 |
| Memoranda: | ||
| Average total assets | $119,788,500 | 3,809 |
| Average earning assets | $115,591,500 | 3,724 |
| Average equity | $15,297,000 | 3,672 |
| Average total loans | $85,693,000 | 3,586 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,656 |
| Cost of funding earning assets | 0.3570% | 4,238 |
| Net interest margin | 3.7708% | 2,778 |
| Noninterest income to average assets | 0.2852% | 4,193 |
| Noninterest expense to average assets | 2.3652% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1639% | 2,335 |
| Return on assets (ROA) | 1.1639% | 2,329 |
| Pretax return on assets | 1.5544% | 1,606 |
| Return on Equity (ROE) | 9.2463% | 2,864 |
| Retained earnings to average equity (ytd only) | 1.3830% | 4,577 |
| Net charge-offs to loans | -0.0060% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3426% | 3,798 |
| Assets per employee ($millions) | 7.0174% | 971 |
| Cash dividends to net income (ytd only)* | 85.0427% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 944 |
| Loan loss allowance to noncurrent loans | 1,507.6923% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 2,215 |
| Noncurrent loans to loans | 0.1088% | 4,240 |
| Net loans and leases to total assets | 68.9920% | 2,729 |
| Net loans and leases to deposits | 79.6570% | 2,994 |
| Net loans and leases to core deposits | 84.6496% | 3,023 |
| Total domestic deposits to total assets | 86.6113% | 1,960 |
| Equity capital to assets | 13.1732% | 1,266 |
| Core capital (leverage) ratio | 13.2385% | 1,165 |
| Tier 1 risk-based capital ratio | 16.7725% | 2,146 |
| Total risk-based capital ratio | 18.0246% | 2,093 |
| Memoranda: | ||
| Average total assets | $120,624,000 | 3,777 |
| Average earning assets | $116,261,800 | 3,713 |
| Average equity | $15,184,400 | 3,616 |
| Average total loans | $84,016,000 | 3,592 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,775 |
| Cost of funding earning assets | 0.3226% | 4,367 |
| Net interest margin | 3.7315% | 2,893 |
| Noninterest income to average assets | 0.2877% | 4,232 |
| Noninterest expense to average assets | 2.3732% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1277% | 2,540 |
| Return on assets (ROA) | 1.1277% | 2,549 |
| Pretax return on assets | 1.5102% | 1,866 |
| Return on Equity (ROE) | 9.0619% | 3,049 |
| Retained earnings to average equity (ytd only) | -1.5147% | 5,165 |
| Net charge-offs to loans | -0.0048% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1127% | 3,647 |
| Assets per employee ($millions) | 6.7327% | 1,063 |
| Cash dividends to net income (ytd only)* | 116.7152% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 983 |
| Loan loss allowance to noncurrent loans | 1,428.1250% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 2,374 |
| Noncurrent loans to loans | 0.1150% | 4,377 |
| Net loans and leases to total assets | 67.7628% | 2,979 |
| Net loans and leases to deposits | 77.7536% | 3,257 |
| Net loans and leases to core deposits | 82.5129% | 3,289 |
| Total domestic deposits to total assets | 87.1506% | 1,670 |
| Equity capital to assets | 12.5440% | 1,556 |
| Core capital (leverage) ratio | 12.9994% | 1,278 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,278 |
| Total risk-based capital ratio | 17.7338% | 2,217 |
| Memoranda: | ||
| Average total assets | $120,956,250 | 3,814 |
| Average earning assets | $116,555,500 | 3,745 |
| Average equity | $15,051,750 | 3,655 |
| Average total loans | $84,101,000 | 3,622 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,793 |
| Cost of funding earning assets | 0.2937% | 4,454 |
| Net interest margin | 3.7033% | 2,913 |
| Noninterest income to average assets | 0.2846% | 4,277 |
| Noninterest expense to average assets | 2.4041% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0854% | 2,641 |
| Return on assets (ROA) | 1.0854% | 2,649 |
| Pretax return on assets | 1.4477% | 1,993 |
| Return on Equity (ROE) | 8.7457% | 3,148 |
| Retained earnings to average equity (ytd only) | -7.1725% | 5,364 |
| Net charge-offs to loans | -0.0024% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4141% | 3,574 |
| Assets per employee ($millions) | 6.6158% | 1,123 |
| Cash dividends to net income (ytd only)* | 182.0122% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 975 |
| Loan loss allowance to noncurrent loans | 1,342.1569% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,877 |
| Noncurrent loans to loans | 0.1237% | 4,354 |
| Net loans and leases to total assets | 68.0713% | 2,857 |
| Net loans and leases to deposits | 77.9937% | 3,159 |
| Net loans and leases to core deposits | 80.1047% | 3,411 |
| Total domestic deposits to total assets | 87.2779% | 1,732 |
| Equity capital to assets | 12.4870% | 1,543 |
| Core capital (leverage) ratio | 12.6625% | 1,361 |
| Tier 1 risk-based capital ratio | 16.3579% | 2,308 |
| Total risk-based capital ratio | 17.6116% | 2,253 |
| Memoranda: | ||
| Average total assets | $120,878,670 | 3,842 |
| Average earning assets | $116,436,000 | 3,771 |
| Average equity | $15,001,670 | 3,685 |
| Average total loans | $84,304,000 | 3,638 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,889 |
| Cost of funding earning assets | 0.2830% | 4,479 |
| Net interest margin | 3.6306% | 3,069 |
| Noninterest income to average assets | 0.2923% | 4,210 |
| Noninterest expense to average assets | 2.4011% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0215% | 2,771 |
| Return on assets (ROA) | 1.0215% | 2,794 |
| Pretax return on assets | 1.3894% | 2,046 |
| Return on Equity (ROE) | 8.2562% | 3,269 |
| Retained earnings to average equity (ytd only) | -23.4412% | 5,528 |
| Net charge-offs to loans | -0.0094% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3449% | 3,587 |
| Assets per employee ($millions) | 6.7070% | 1,087 |
| Cash dividends to net income (ytd only)* | 383.9228% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 1,042 |
| Loan loss allowance to noncurrent loans | 528.9575% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,991 |
| Noncurrent loans to loans | 0.3131% | 3,649 |
| Net loans and leases to total assets | 67.3799% | 2,839 |
| Net loans and leases to deposits | 76.7848% | 3,133 |
| Net loans and leases to core deposits | 78.8127% | 3,424 |
| Total domestic deposits to total assets | 87.7516% | 1,762 |
| Equity capital to assets | 12.0297% | 1,765 |
| Core capital (leverage) ratio | 12.1821% | 1,537 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,416 |
| Total risk-based capital ratio | 17.3806% | 2,367 |
| Memoranda: | ||
| Average total assets | $121,776,000 | 3,871 |
| Average earning assets | $117,334,500 | 3,796 |
| Average equity | $15,067,500 | 3,700 |
| Average total loans | $85,240,500 | 3,648 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 3,851 |
| Cost of funding earning assets | 0.2592% | 4,485 |
| Net interest margin | 3.6018% | 3,161 |
| Noninterest income to average assets | 0.4823% | 3,114 |
| Noninterest expense to average assets | 2.4134% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9849% | 2,309 |
| Return on assets (ROA) | 0.9828% | 2,351 |
| Pretax return on assets | 1.5310% | 1,519 |
| Return on Equity (ROE) | 7.8378% | 2,869 |
| Retained earnings to average equity (ytd only) | 0.3151% | 4,898 |
| Net charge-offs to loans | -0.0047% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1343% | 4,093 |
| Assets per employee ($millions) | 6.4645% | 1,225 |
| Cash dividends to net income (ytd only)* | 95.9799% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 1,249 |
| Loan loss allowance to noncurrent loans | 512.3596% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 2,000 |
| Noncurrent loans to loans | 0.3042% | 3,691 |
| Net loans and leases to total assets | 70.3418% | 2,470 |
| Net loans and leases to deposits | 80.7745% | 2,838 |
| Net loans and leases to core deposits | 82.8798% | 3,161 |
| Total domestic deposits to total assets | 87.0842% | 1,952 |
| Equity capital to assets | 12.7107% | 1,401 |
| Core capital (leverage) ratio | 12.7808% | 1,227 |
| Tier 1 risk-based capital ratio | 16.1985% | 2,361 |
| Total risk-based capital ratio | 17.4509% | 2,298 |
| Memoranda: | ||
| Average total assets | $121,488,800 | 3,866 |
| Average earning assets | $116,885,800 | 3,806 |
| Average equity | $15,233,800 | 3,692 |
| Average total loans | $84,346,800 | 3,650 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 3,946 |
| Cost of funding earning assets | 0.2530% | 4,543 |
| Net interest margin | 3.5643% | 3,278 |
| Noninterest income to average assets | 0.3929% | 3,736 |
| Noninterest expense to average assets | 2.3077% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0055% | 2,530 |
| Return on assets (ROA) | 1.0026% | 2,592 |
| Pretax return on assets | 1.5077% | 1,748 |
| Return on Equity (ROE) | 8.0231% | 3,117 |
| Retained earnings to average equity (ytd only) | -2.0697% | 5,437 |
| Net charge-offs to loans | -0.0032% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4149% | 4,140 |
| Assets per employee ($millions) | 6.5462% | 1,154 |
| Cash dividends to net income (ytd only)* | 125.7953% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,261 |
| Loan loss allowance to noncurrent loans | 484.3972% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 2,124 |
| Noncurrent loans to loans | 0.3286% | 3,772 |
| Net loans and leases to total assets | 67.9040% | 2,857 |
| Net loans and leases to deposits | 77.8262% | 3,187 |
| Net loans and leases to core deposits | 79.8278% | 3,467 |
| Total domestic deposits to total assets | 87.2509% | 1,752 |
| Equity capital to assets | 12.4107% | 1,713 |
| Core capital (leverage) ratio | 12.8439% | 1,272 |
| Tier 1 risk-based capital ratio | 16.4157% | 2,349 |
| Total risk-based capital ratio | 17.6700% | 2,298 |
| Memoranda: | ||
| Average total assets | $121,154,500 | 3,918 |
| Average earning assets | $116,485,750 | 3,851 |
| Average equity | $15,139,250 | 3,737 |
| Average total loans | $83,492,000 | 3,695 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,036 |
| Cost of funding earning assets | 0.2514% | 4,527 |
| Net interest margin | 3.5078% | 3,370 |
| Noninterest income to average assets | 0.4014% | 3,681 |
| Noninterest expense to average assets | 2.3268% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0023% | 2,414 |
| Return on assets (ROA) | 0.9977% | 2,484 |
| Pretax return on assets | 1.4374% | 1,868 |
| Return on Equity (ROE) | 7.9653% | 3,052 |
| Retained earnings to average equity (ytd only) | -7.2738% | 5,593 |
| Net charge-offs to loans | -0.0024% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7049% | 4,049 |
| Assets per employee ($millions) | 6.5511% | 1,123 |
| Cash dividends to net income (ytd only)* | 191.3189% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,215 |
| Loan loss allowance to noncurrent loans | 455.0000% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 1,873 |
| Noncurrent loans to loans | 0.3564% | 3,753 |
| Net loans and leases to total assets | 70.2228% | 2,495 |
| Net loans and leases to deposits | 80.8542% | 2,824 |
| Net loans and leases to core deposits | 82.7348% | 3,194 |
| Total domestic deposits to total assets | 86.8511% | 2,016 |
| Equity capital to assets | 12.8470% | 1,446 |
| Core capital (leverage) ratio | 12.7309% | 1,282 |
| Tier 1 risk-based capital ratio | 16.4067% | 2,355 |
| Total risk-based capital ratio | 17.6612% | 2,304 |
| Memoranda: | ||
| Average total assets | $120,080,330 | 3,962 |
| Average earning assets | $115,342,670 | 3,888 |
| Average equity | $15,040,330 | 3,755 |
| Average total loans | $82,715,000 | 3,727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,208 |
| Cost of funding earning assets | 0.2476% | 4,554 |
| Net interest margin | 3.4224% | 3,561 |
| Noninterest income to average assets | 0.3169% | 4,286 |
| Noninterest expense to average assets | 2.3176% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8473% | 3,005 |
| Return on assets (ROA) | 0.8386% | 3,092 |
| Pretax return on assets | 1.2710% | 2,342 |
| Return on Equity (ROE) | 6.7797% | 3,506 |
| Retained earnings to average equity (ytd only) | -23.8089% | 5,765 |
| Net charge-offs to loans | -0.0049% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3446% | 3,777 |
| Assets per employee ($millions) | 6.8217% | 1,031 |
| Cash dividends to net income (ytd only)* | 451.1811% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 1,173 |
| Loan loss allowance to noncurrent loans | 431.9620% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 1,688 |
| Noncurrent loans to loans | 0.3903% | 3,707 |
| Net loans and leases to total assets | 64.8310% | 3,141 |
| Net loans and leases to deposits | 73.7359% | 3,427 |
| Net loans and leases to core deposits | 75.3609% | 3,709 |
| Total domestic deposits to total assets | 87.9233% | 1,760 |
| Equity capital to assets | 11.8642% | 1,933 |
| Core capital (leverage) ratio | 12.2976% | 1,450 |
| Tier 1 risk-based capital ratio | 16.3874% | 2,399 |
| Total risk-based capital ratio | 17.6409% | 2,343 |
| Memoranda: | ||
| Average total assets | $121,161,000 | 3,975 |
| Average earning assets | $116,294,000 | 3,913 |
| Average equity | $14,986,000 | 3,790 |
| Average total loans | $81,987,000 | 3,769 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,575 |
| Cost of funding earning assets | 0.2624% | 4,441 |
| Net interest margin | 3.6359% | 2,934 |
| Noninterest income to average assets | 0.4292% | 3,686 |
| Noninterest expense to average assets | 2.4146% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9912% | 2,389 |
| Return on assets (ROA) | 1.0132% | 2,395 |
| Pretax return on assets | 1.5314% | 1,488 |
| Return on Equity (ROE) | 7.7632% | 3,080 |
| Retained earnings to average equity (ytd only) | 2.5222% | 4,080 |
| Net charge-offs to loans | 0.0012% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,752.0000% | 30 |
| Efficiency ratio | 61.7133% | 4,306 |
| Assets per employee ($millions) | 6.6407% | 1,081 |
| Cash dividends to net income (ytd only)* | 67.5105% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,271 |
| Loan loss allowance to noncurrent loans | 410.8434% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 1,679 |
| Noncurrent loans to loans | 0.4000% | 3,717 |
| Net loans and leases to total assets | 68.2989% | 2,725 |
| Net loans and leases to deposits | 78.5308% | 3,040 |
| Net loans and leases to core deposits | 80.9726% | 3,316 |
| Total domestic deposits to total assets | 86.9709% | 2,161 |
| Equity capital to assets | 12.8869% | 1,308 |
| Core capital (leverage) ratio | 13.1916% | 1,063 |
| Tier 1 risk-based capital ratio | 17.4293% | 2,026 |
| Total risk-based capital ratio | 18.6831% | 1,986 |
| Memoranda: | ||
| Average total assets | $116,952,800 | 4,047 |
| Average earning assets | $112,049,200 | 3,969 |
| Average equity | $15,264,400 | 3,781 |
| Average total loans | $82,643,000 | 3,749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,421 |
| Cost of funding earning assets | 0.2645% | 4,456 |
| Net interest margin | 3.6855% | 2,774 |
| Noninterest income to average assets | 0.4689% | 3,433 |
| Noninterest expense to average assets | 2.3237% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1019% | 1,987 |
| Return on assets (ROA) | 1.1315% | 1,987 |
| Pretax return on assets | 1.7195% | 1,062 |
| Return on Equity (ROE) | 8.6409% | 2,692 |
| Retained earnings to average equity (ytd only) | 1.6372% | 4,854 |
| Net charge-offs to loans | 0.0048% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 486.9875% | 181 |
| Efficiency ratio | 58.1135% | 4,798 |
| Assets per employee ($millions) | 6.6473% | 1,024 |
| Cash dividends to net income (ytd only)* | 81.0535% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 1,391 |
| Loan loss allowance to noncurrent loans | 390.2579% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 1,803 |
| Noncurrent loans to loans | 0.4167% | 3,787 |
| Net loans and leases to total assets | 68.8569% | 2,667 |
| Net loans and leases to deposits | 79.4392% | 3,029 |
| Net loans and leases to core deposits | 81.8145% | 3,298 |
| Total domestic deposits to total assets | 86.6788% | 2,043 |
| Equity capital to assets | 13.0037% | 1,487 |
| Core capital (leverage) ratio | 13.3959% | 1,036 |
| Tier 1 risk-based capital ratio | 17.1702% | 2,177 |
| Total risk-based capital ratio | 18.4245% | 2,131 |
| Memoranda: | ||
| Average total assets | $116,308,000 | 4,082 |
| Average earning assets | $111,389,750 | 4,008 |
| Average equity | $15,229,500 | 3,812 |
| Average total loans | $82,553,000 | 3,767 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,213 |
| Cost of funding earning assets | 0.2669% | 4,483 |
| Net interest margin | 3.7417% | 2,546 |
| Noninterest income to average assets | 0.5834% | 2,706 |
| Noninterest expense to average assets | 2.3474% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2502% | 1,423 |
| Return on assets (ROA) | 1.2969% | 1,386 |
| Pretax return on assets | 1.8820% | 728 |
| Return on Equity (ROE) | 9.8812% | 2,103 |
| Retained earnings to average equity (ytd only) | -0.7011% | 5,397 |
| Net charge-offs to loans | -0.0730% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4038% | 5,101 |
| Assets per employee ($millions) | 6.6507% | 1,023 |
| Cash dividends to net income (ytd only)* | 107.0950% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 1,308 |
| Loan loss allowance to noncurrent loans | 345.2970% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 1,657 |
| Noncurrent loans to loans | 0.4875% | 3,627 |
| Net loans and leases to total assets | 72.0675% | 2,157 |
| Net loans and leases to deposits | 83.6346% | 2,508 |
| Net loans and leases to core deposits | 86.0030% | 2,900 |
| Total domestic deposits to total assets | 86.1695% | 2,346 |
| Equity capital to assets | 13.5545% | 1,203 |
| Core capital (leverage) ratio | 13.1076% | 1,116 |
| Tier 1 risk-based capital ratio | 16.8544% | 2,281 |
| Total risk-based capital ratio | 18.1085% | 2,229 |
| Memoranda: | ||
| Average total assets | $115,193,670 | 4,136 |
| Average earning assets | $110,164,670 | 4,051 |
| Average equity | $15,119,670 | 3,843 |
| Average total loans | $82,154,000 | 3,794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,289 |
| Cost of funding earning assets | 0.2627% | 4,581 |
| Net interest margin | 3.7174% | 2,601 |
| Noninterest income to average assets | 0.4198% | 3,684 |
| Noninterest expense to average assets | 2.3362% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0151% | 2,210 |
| Return on assets (ROA) | 1.1010% | 1,998 |
| Pretax return on assets | 1.7719% | 897 |
| Return on Equity (ROE) | 8.5237% | 2,653 |
| Retained earnings to average equity (ytd only) | -12.7855% | 5,871 |
| Net charge-offs to loans | -0.0831% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7879% | 4,903 |
| Assets per employee ($millions) | 6.8900% | 934 |
| Cash dividends to net income (ytd only)* | 250.0000% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 1,340 |
| Loan loss allowance to noncurrent loans | 188.5402% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6093% | 1,232 |
| Noncurrent loans to loans | 0.9065% | 2,587 |
| Net loans and leases to total assets | 67.8511% | 2,670 |
| Net loans and leases to deposits | 77.9669% | 3,010 |
| Net loans and leases to core deposits | 80.1383% | 3,304 |
| Total domestic deposits to total assets | 87.0255% | 2,201 |
| Equity capital to assets | 12.6398% | 1,591 |
| Core capital (leverage) ratio | 12.7707% | 1,245 |
| Tier 1 risk-based capital ratio | 16.6616% | 2,416 |
| Total risk-based capital ratio | 17.9156% | 2,360 |
| Memoranda: | ||
| Average total assets | $116,259,500 | 4,148 |
| Average earning assets | $111,153,500 | 4,068 |
| Average equity | $15,017,000 | 3,868 |
| Average total loans | $81,793,000 | 3,809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 2,920 |
| Cost of funding earning assets | 0.2735% | 4,550 |
| Net interest margin | 3.8268% | 2,279 |
| Noninterest income to average assets | 0.4194% | 3,900 |
| Noninterest expense to average assets | 2.4298% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9947% | 2,390 |
| Return on assets (ROA) | 0.9969% | 2,478 |
| Pretax return on assets | 1.5989% | 1,252 |
| Return on Equity (ROE) | 7.8018% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.8018% | 981 |
| Net charge-offs to loans | 0.1536% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 2,233 |
| Efficiency ratio | 60.3647% | 4,861 |
| Assets per employee ($millions) | 6.4105% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 1,473 |
| Loan loss allowance to noncurrent loans | 275.2016% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 1,463 |
| Noncurrent loans to loans | 0.5995% | 3,374 |
| Net loans and leases to total assets | 70.5137% | 2,290 |
| Net loans and leases to deposits | 81.3512% | 2,669 |
| Net loans and leases to core deposits | 84.6926% | 2,916 |
| Total domestic deposits to total assets | 86.6781% | 2,284 |
| Equity capital to assets | 13.1980% | 1,259 |
| Core capital (leverage) ratio | 13.1907% | 1,077 |
| Tier 1 risk-based capital ratio | 17.0472% | 2,265 |
| Total risk-based capital ratio | 18.3001% | 2,217 |
| Memoranda: | ||
| Average total assets | $114,453,400 | 4,167 |
| Average earning assets | $107,845,000 | 4,096 |
| Average equity | $14,624,800 | 3,887 |
| Average total loans | $78,798,800 | 3,869 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 2,843 |
| Cost of funding earning assets | 0.2773% | 4,592 |
| Net interest margin | 3.8458% | 2,212 |
| Noninterest income to average assets | 0.4167% | 3,956 |
| Noninterest expense to average assets | 2.3603% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0406% | 2,271 |
| Return on assets (ROA) | 1.0436% | 2,344 |
| Pretax return on assets | 1.6716% | 1,185 |
| Return on Equity (ROE) | 8.2354% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.2354% | 1,147 |
| Net charge-offs to loans | 0.2998% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 8.1599% | 2,838 |
| Efficiency ratio | 58.6087% | 5,050 |
| Assets per employee ($millions) | 6.4161% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,986 |
| Loan loss allowance to noncurrent loans | 249.2395% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4781% | 1,525 |
| Noncurrent loans to loans | 0.6197% | 3,462 |
| Net loans and leases to total assets | 72.3621% | 2,004 |
| Net loans and leases to deposits | 83.3368% | 2,479 |
| Net loans and leases to core deposits | 86.4525% | 2,802 |
| Total domestic deposits to total assets | 86.8309% | 2,122 |
| Equity capital to assets | 12.9353% | 1,482 |
| Core capital (leverage) ratio | 13.1376% | 1,158 |
| Tier 1 risk-based capital ratio | 16.4123% | 2,621 |
| Total risk-based capital ratio | 17.6645% | 2,570 |
| Memoranda: | ||
| Average total assets | $114,219,500 | 4,212 |
| Average earning assets | $107,232,250 | 4,156 |
| Average equity | $14,473,750 | 3,951 |
| Average total loans | $77,816,000 | 3,930 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,883 |
| Cost of funding earning assets | 0.2807% | 4,603 |
| Net interest margin | 3.8236% | 2,226 |
| Noninterest income to average assets | 0.4130% | 3,982 |
| Noninterest expense to average assets | 2.3885% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9927% | 2,425 |
| Return on assets (ROA) | 0.9983% | 2,506 |
| Pretax return on assets | 1.6011% | 1,325 |
| Return on Equity (ROE) | 7.9337% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.9337% | 1,295 |
| Net charge-offs to loans | 0.4691% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.1186% | 2,956 |
| Efficiency ratio | 60.0000% | 4,978 |
| Assets per employee ($millions) | 6.2644% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,711 |
| Loan loss allowance to noncurrent loans | 232.0922% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 1,579 |
| Noncurrent loans to loans | 0.7157% | 3,343 |
| Net loans and leases to total assets | 68.7253% | 2,531 |
| Net loans and leases to deposits | 79.0755% | 2,899 |
| Net loans and leases to core deposits | 82.5054% | 3,123 |
| Total domestic deposits to total assets | 86.9110% | 2,213 |
| Equity capital to assets | 12.9063% | 1,446 |
| Core capital (leverage) ratio | 12.9467% | 1,189 |
| Tier 1 risk-based capital ratio | 16.8893% | 2,450 |
| Total risk-based capital ratio | 18.1421% | 2,400 |
| Memoranda: | ||
| Average total assets | $113,796,000 | 4,254 |
| Average earning assets | $106,181,670 | 4,218 |
| Average equity | $14,318,670 | 3,996 |
| Average total loans | $75,460,670 | 4,017 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 2,550 |
| Cost of funding earning assets | 0.2996% | 4,447 |
| Net interest margin | 3.8752% | 1,980 |
| Noninterest income to average assets | 0.3709% | 4,238 |
| Noninterest expense to average assets | 2.4284% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8643% | 2,938 |
| Return on assets (ROA) | 0.8643% | 3,054 |
| Pretax return on assets | 1.3822% | 1,951 |
| Return on Equity (ROE) | 6.9570% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.9570% | 2,028 |
| Net charge-offs to loans | 1.1980% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.7873% | 2,867 |
| Efficiency ratio | 63.7282% | 4,519 |
| Assets per employee ($millions) | 6.0575% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 1,727 |
| Loan loss allowance to noncurrent loans | 133.1579% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 1,319 |
| Noncurrent loans to loans | 1.2788% | 2,240 |
| Net loans and leases to total assets | 63.4487% | 3,172 |
| Net loans and leases to deposits | 72.7544% | 3,463 |
| Net loans and leases to core deposits | 73.9329% | 3,779 |
| Total domestic deposits to total assets | 87.2095% | 2,263 |
| Equity capital to assets | 12.4925% | 1,697 |
| Core capital (leverage) ratio | 12.5361% | 1,348 |
| Tier 1 risk-based capital ratio | 17.4946% | 2,301 |
| Total risk-based capital ratio | 18.7470% | 2,260 |
| Memoranda: | ||
| Average total assets | $114,314,500 | 4,282 |
| Average earning assets | $101,464,500 | 4,354 |
| Average equity | $14,201,500 | 4,043 |
| Average total loans | $73,789,500 | 4,086 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,493 |
| Cost of funding earning assets | 0.3465% | 4,286 |
| Net interest margin | 3.9845% | 1,938 |
| Noninterest income to average assets | 0.5348% | 3,273 |
| Noninterest expense to average assets | 2.4843% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9999% | 2,382 |
| Return on assets (ROA) | 0.9948% | 2,487 |
| Pretax return on assets | 1.6401% | 1,121 |
| Return on Equity (ROE) | 8.3317% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.3317% | 895 |
| Net charge-offs to loans | 0.0131% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 205.4444% | 259 |
| Efficiency ratio | 60.1165% | 5,209 |
| Assets per employee ($millions) | 5.9756% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0276% | 1,057 |
| Loan loss allowance to noncurrent loans | 119.9354% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 1,165 |
| Noncurrent loans to loans | 1.6906% | 1,732 |
| Net loans and leases to total assets | 63.2425% | 3,330 |
| Net loans and leases to deposits | 72.2699% | 3,648 |
| Net loans and leases to core deposits | 73.4497% | 3,971 |
| Total domestic deposits to total assets | 87.5088% | 2,030 |
| Equity capital to assets | 12.3529% | 1,732 |
| Core capital (leverage) ratio | 12.5486% | 1,334 |
| Tier 1 risk-based capital ratio | 17.7951% | 2,202 |
| Total risk-based capital ratio | 19.0522% | 2,164 |
| Memoranda: | ||
| Average total assets | $112,186,200 | 4,338 |
| Average earning assets | $101,291,600 | 4,369 |
| Average equity | $13,394,600 | 4,121 |
| Average total loans | $68,488,000 | 4,223 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,702 |
| Cost of funding earning assets | 0.3580% | 4,253 |
| Net interest margin | 3.9244% | 2,141 |
| Noninterest income to average assets | 0.6008% | 2,864 |
| Noninterest expense to average assets | 2.4151% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0798% | 2,113 |
| Return on assets (ROA) | 1.0752% | 2,204 |
| Pretax return on assets | 1.7333% | 1,011 |
| Return on Equity (ROE) | 9.0854% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.0854% | 966 |
| Net charge-offs to loans | 0.0258% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 112.3266% | 531 |
| Efficiency ratio | 58.1182% | 5,426 |
| Assets per employee ($millions) | 5.8083% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 1,261 |
| Loan loss allowance to noncurrent loans | 81.7080% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.8408% | 853 |
| Noncurrent loans to loans | 2.4465% | 1,210 |
| Net loans and leases to total assets | 65.8816% | 2,887 |
| Net loans and leases to deposits | 75.5573% | 3,234 |
| Net loans and leases to core deposits | 76.8292% | 3,651 |
| Total domestic deposits to total assets | 87.1943% | 2,204 |
| Equity capital to assets | 12.4650% | 1,724 |
| Core capital (leverage) ratio | 12.6661% | 1,324 |
| Tier 1 risk-based capital ratio | 17.2650% | 2,491 |
| Total risk-based capital ratio | 18.5221% | 2,451 |
| Memoranda: | ||
| Average total assets | $111,848,750 | 4,382 |
| Average earning assets | $101,312,500 | 4,404 |
| Average equity | $13,237,000 | 4,174 |
| Average total loans | $67,287,750 | 4,297 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,614 |
| Cost of funding earning assets | 0.3821% | 4,078 |
| Net interest margin | 3.9080% | 2,129 |
| Noninterest income to average assets | 0.7263% | 2,159 |
| Noninterest expense to average assets | 2.3463% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1818% | 1,650 |
| Return on assets (ROA) | 1.1749% | 1,743 |
| Pretax return on assets | 1.9013% | 683 |
| Return on Equity (ROE) | 10.1041% | 2,107 |
| Retained earnings to average equity (ytd only) | 10.1041% | 699 |
| Net charge-offs to loans | 0.0646% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 899 |
| Efficiency ratio | 55.1003% | 5,824 |
| Assets per employee ($millions) | 5.2224% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1927% | 1,037 |
| Loan loss allowance to noncurrent loans | 78.2378% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.9260% | 883 |
| Noncurrent loans to loans | 2.8026% | 1,074 |
| Net loans and leases to total assets | 59.9511% | 3,722 |
| Net loans and leases to deposits | 68.5771% | 3,984 |
| Net loans and leases to core deposits | 69.9190% | 4,274 |
| Total domestic deposits to total assets | 87.4215% | 2,233 |
| Equity capital to assets | 12.3497% | 1,742 |
| Core capital (leverage) ratio | 12.4290% | 1,432 |
| Tier 1 risk-based capital ratio | 18.5219% | 2,059 |
| Total risk-based capital ratio | 19.7805% | 2,014 |
| Memoranda: | ||
| Average total assets | $112,346,000 | 4,403 |
| Average earning assets | $101,535,670 | 4,423 |
| Average equity | $13,064,000 | 4,207 |
| Average total loans | $64,987,670 | 4,394 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,547 |
| Cost of funding earning assets | 0.4404% | 3,532 |
| Net interest margin | 4.1425% | 1,362 |
| Noninterest income to average assets | 0.4996% | 3,411 |
| Noninterest expense to average assets | 2.3117% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2772% | 1,274 |
| Return on assets (ROA) | 1.2772% | 1,326 |
| Pretax return on assets | 1.9282% | 617 |
| Return on Equity (ROE) | 11.3225% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.3225% | 698 |
| Net charge-offs to loans | 0.1879% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.2667% | 1,426 |
| Efficiency ratio | 54.5228% | 5,971 |
| Assets per employee ($millions) | 5.9925% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 967 |
| Loan loss allowance to noncurrent loans | 76.4614% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 3.0661% | 924 |
| Noncurrent loans to loans | 3.0710% | 1,025 |
| Net loans and leases to total assets | 53.5105% | 4,489 |
| Net loans and leases to deposits | 60.6362% | 4,694 |
| Net loans and leases to core deposits | 61.9343% | 4,890 |
| Total domestic deposits to total assets | 88.2485% | 2,080 |
| Equity capital to assets | 11.4450% | 2,296 |
| Core capital (leverage) ratio | 11.7976% | 1,762 |
| Tier 1 risk-based capital ratio | 18.6939% | 2,064 |
| Total risk-based capital ratio | 19.9533% | 2,017 |
| Memoranda: | ||
| Average total assets | $113,683,500 | 4,418 |
| Average earning assets | $102,644,000 | 4,435 |
| Average equity | $12,824,000 | 4,269 |
| Average total loans | $63,870,000 | 4,463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 3,369 |
| Cost of funding earning assets | 0.6849% | 1,920 |
| Net interest margin | 3.5075% | 3,866 |
| Noninterest income to average assets | 0.8539% | 1,855 |
| Noninterest expense to average assets | 4.0984% | 777 |
| Loan and lease loss provision to assets | 0.1044% | 3,054 |
| Net operating income to assets | -0.1160% | 6,318 |
| Return on assets (ROA) | -0.1323% | 6,341 |
| Pretax return on assets | -0.2096% | 6,360 |
| Return on Equity (ROE) | -1.2474% | 6,340 |
| Retained earnings to average equity (ytd only) | -1.2474% | 6,092 |
| Net charge-offs to loans | 1.2186% | 432 |
| Credit loss provision to net charge-offs | 14.4977% | 4,531 |
| Earnings coverage of net charge-offs (x) | -0.1107% | 5,120 |
| Efficiency ratio | 101.9836% | 426 |
| Assets per employee ($millions) | 5.6755% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 1,056 |
| Loan loss allowance to noncurrent loans | 52.9204% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 3.9010% | 690 |
| Noncurrent loans to loans | 4.3229% | 632 |
| Net loans and leases to total assets | 56.2546% | 4,279 |
| Net loans and leases to deposits | 66.1521% | 4,280 |
| Net loans and leases to core deposits | 67.8338% | 4,534 |
| Total domestic deposits to total assets | 85.0382% | 3,728 |
| Equity capital to assets | 11.1154% | 2,509 |
| Core capital (leverage) ratio | 11.5401% | 1,932 |
| Tier 1 risk-based capital ratio | 17.3657% | 2,469 |
| Total risk-based capital ratio | 18.6247% | 2,437 |
| Memoranda: | ||
| Average total assets | $121,682,400 | 4,245 |
| Average earning assets | $109,792,600 | 4,268 |
| Average equity | $12,907,200 | 4,285 |
| Average total loans | $71,883,600 | 4,195 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 3,580 |
| Cost of funding earning assets | 0.7518% | 1,597 |
| Net interest margin | 3.3950% | 4,310 |
| Noninterest income to average assets | 0.9612% | 1,578 |
| Noninterest expense to average assets | 4.1445% | 724 |
| Loan and lease loss provision to assets | 0.1369% | 2,576 |
| Net operating income to assets | 0.1593% | 6,020 |
| Return on assets (ROA) | 0.1379% | 6,130 |
| Pretax return on assets | -0.2974% | 6,516 |
| Return on Equity (ROE) | 1.3148% | 6,115 |
| Retained earnings to average equity (ytd only) | 1.3148% | 5,457 |
| Net charge-offs to loans | 1.5524% | 289 |
| Credit loss provision to net charge-offs | 14.8364% | 4,151 |
| Earnings coverage of net charge-offs (x) | -0.1379% | 4,897 |
| Efficiency ratio | 103.1652% | 375 |
| Assets per employee ($millions) | 6.0619% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2732% | 1,222 |
| Loan loss allowance to noncurrent loans | 44.3468% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 4.9901% | 559 |
| Noncurrent loans to loans | 5.1259% | 570 |
| Net loans and leases to total assets | 59.6517% | 3,751 |
| Net loans and leases to deposits | 70.7312% | 3,681 |
| Net loans and leases to core deposits | 72.4169% | 4,039 |
| Total domestic deposits to total assets | 84.3358% | 4,054 |
| Equity capital to assets | 11.7527% | 2,081 |
| Core capital (leverage) ratio | 10.9609% | 2,518 |
| Tier 1 risk-based capital ratio | 17.1252% | 2,657 |
| Total risk-based capital ratio | 18.3845% | 2,617 |
| Memoranda: | ||
| Average total assets | $123,725,750 | 4,230 |
| Average earning assets | $111,375,750 | 4,274 |
| Average equity | $12,979,750 | 4,314 |
| Average total loans | $73,517,250 | 4,177 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,265 |
| Cost of funding earning assets | 0.7657% | 1,613 |
| Net interest margin | 3.4587% | 3,963 |
| Noninterest income to average assets | 1.1089% | 1,234 |
| Noninterest expense to average assets | 4.6269% | 474 |
| Loan and lease loss provision to assets | 0.1524% | 2,414 |
| Net operating income to assets | -0.1496% | 6,453 |
| Return on assets (ROA) | -0.1804% | 6,515 |
| Pretax return on assets | -0.6066% | 6,661 |
| Return on Equity (ROE) | -1.7803% | 6,510 |
| Retained earnings to average equity (ytd only) | -1.7803% | 6,164 |
| Net charge-offs to loans | 1.8754% | 244 |
| Credit loss provision to net charge-offs | 13.7834% | 3,840 |
| Earnings coverage of net charge-offs (x) | -0.3671% | 4,647 |
| Efficiency ratio | 109.6168% | 283 |
| Assets per employee ($millions) | 6.5743% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3314% | 1,209 |
| Loan loss allowance to noncurrent loans | 41.1765% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 5.1962% | 578 |
| Noncurrent loans to loans | 5.6619% | 532 |
| Net loans and leases to total assets | 57.7402% | 4,029 |
| Net loans and leases to deposits | 74.6469% | 3,060 |
| Net loans and leases to core deposits | 77.2828% | 3,389 |
| Total domestic deposits to total assets | 77.3511% | 6,081 |
| Equity capital to assets | 10.6805% | 3,083 |
| Core capital (leverage) ratio | 10.0329% | 3,464 |
| Tier 1 risk-based capital ratio | 15.7989% | 3,317 |
| Total risk-based capital ratio | 17.0581% | 3,261 |
| Memoranda: | ||
| Average total assets | $128,596,000 | 4,172 |
| Average earning assets | $115,709,000 | 4,212 |
| Average equity | $13,031,670 | 4,340 |
| Average total loans | $75,822,000 | 4,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,913 |
| Cost of funding earning assets | 0.7524% | 1,831 |
| Net interest margin | 3.2995% | 4,519 |
| Noninterest income to average assets | 0.5683% | 3,320 |
| Noninterest expense to average assets | 2.8117% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7209% | 3,586 |
| Return on assets (ROA) | 0.6970% | 3,842 |
| Pretax return on assets | 0.6970% | 4,593 |
| Return on Equity (ROE) | 7.0457% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.0457% | 2,131 |
| Net charge-offs to loans | 2.2856% | 191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5356% | 3,642 |
| Efficiency ratio | 79.5936% | 2,390 |
| Assets per employee ($millions) | 5.9281% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 1,357 |
| Loan loss allowance to noncurrent loans | 43.6997% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 4.2311% | 903 |
| Noncurrent loans to loans | 5.3415% | 696 |
| Net loans and leases to total assets | 55.0218% | 4,235 |
| Net loans and leases to deposits | 69.7471% | 3,529 |
| Net loans and leases to core deposits | 72.5335% | 3,757 |
| Total domestic deposits to total assets | 78.8875% | 5,981 |
| Equity capital to assets | 9.7957% | 4,427 |
| Core capital (leverage) ratio | 9.8331% | 3,619 |
| Tier 1 risk-based capital ratio | 14.3890% | 4,249 |
| Total risk-based capital ratio | 15.6481% | 4,208 |
| Memoranda: | ||
| Average total assets | $133,725,500 | 4,105 |
| Average earning assets | $120,141,000 | 4,151 |
| Average equity | $13,228,000 | 4,343 |
| Average total loans | $78,753,500 | 4,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4230% | 3,721 |
| Cost of funding earning assets | 0.8472% | 2,312 |
| Net interest margin | 3.5759% | 4,203 |
| Noninterest income to average assets | 0.8386% | 2,088 |
| Noninterest expense to average assets | 3.5810% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2171% | 5,742 |
| Return on assets (ROA) | 0.2715% | 5,779 |
| Pretax return on assets | 0.4889% | 5,314 |
| Return on Equity (ROE) | 2.7738% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.7738% | 4,288 |
| Net charge-offs to loans | 0.6014% | 1,930 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.1027% | 4,909 |
| Efficiency ratio | 89.8641% | 1,081 |
| Assets per employee ($millions) | 5.7002% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7796% | 840 |
| Loan loss allowance to noncurrent loans | 47.5716% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 4.9800% | 781 |
| Noncurrent loans to loans | 5.8431% | 617 |
| Net loans and leases to total assets | 59.8383% | 3,632 |
| Net loans and leases to deposits | 76.2519% | 2,764 |
| Net loans and leases to core deposits | 79.6797% | 3,051 |
| Total domestic deposits to total assets | 78.4745% | 5,996 |
| Equity capital to assets | 9.9920% | 4,172 |
| Core capital (leverage) ratio | 9.7486% | 3,727 |
| Tier 1 risk-based capital ratio | 13.8915% | 4,458 |
| Total risk-based capital ratio | 15.1472% | 4,419 |
| Memoranda: | ||
| Average total assets | $132,951,800 | 4,084 |
| Average earning assets | $116,978,800 | 4,186 |
| Average equity | $13,014,800 | 4,357 |
| Average total loans | $80,979,000 | 4,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 3,657 |
| Cost of funding earning assets | 0.8662% | 2,422 |
| Net interest margin | 3.6287% | 4,107 |
| Noninterest income to average assets | 0.5956% | 3,304 |
| Noninterest expense to average assets | 3.5288% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2658% | 5,730 |
| Return on assets (ROA) | 0.3798% | 5,537 |
| Pretax return on assets | 0.3628% | 5,807 |
| Return on Equity (ROE) | 3.8993% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.8993% | 4,143 |
| Net charge-offs to loans | 0.3619% | 2,654 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1318% | 4,730 |
| Efficiency ratio | 93.4127% | 817 |
| Assets per employee ($millions) | 5.5233% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0474% | 680 |
| Loan loss allowance to noncurrent loans | 45.1863% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 5.8035% | 715 |
| Noncurrent loans to loans | 6.7441% | 554 |
| Net loans and leases to total assets | 60.2652% | 3,720 |
| Net loans and leases to deposits | 76.7038% | 2,876 |
| Net loans and leases to core deposits | 80.1081% | 3,195 |
| Total domestic deposits to total assets | 78.5688% | 5,954 |
| Equity capital to assets | 9.9473% | 4,572 |
| Core capital (leverage) ratio | 9.6603% | 4,033 |
| Tier 1 risk-based capital ratio | 13.2580% | 5,049 |
| Total risk-based capital ratio | 14.5277% | 5,003 |
| Memoranda: | ||
| Average total assets | $133,413,500 | 4,107 |
| Average earning assets | $116,989,250 | 4,225 |
| Average equity | $12,993,500 | 4,398 |
| Average total loans | $81,050,250 | 4,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 3,398 |
| Cost of funding earning assets | 0.9037% | 2,366 |
| Net interest margin | 3.6886% | 3,879 |
| Noninterest income to average assets | 0.6073% | 3,214 |
| Noninterest expense to average assets | 3.5767% | 1,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2738% | 5,697 |
| Return on assets (ROA) | 0.2483% | 5,959 |
| Pretax return on assets | 0.2229% | 6,113 |
| Return on Equity (ROE) | 2.5678% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.5678% | 4,906 |
| Net charge-offs to loans | 0.6377% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.6459% | 4,738 |
| Efficiency ratio | 93.5080% | 830 |
| Assets per employee ($millions) | 5.1293% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0323% | 754 |
| Loan loss allowance to noncurrent loans | 45.3114% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 5.9158% | 726 |
| Noncurrent loans to loans | 6.6921% | 603 |
| Net loans and leases to total assets | 61.6963% | 3,496 |
| Net loans and leases to deposits | 79.1372% | 2,505 |
| Net loans and leases to core deposits | 82.3034% | 2,924 |
| Total domestic deposits to total assets | 77.9612% | 6,160 |
| Equity capital to assets | 10.1230% | 4,157 |
| Core capital (leverage) ratio | 9.5337% | 4,099 |
| Tier 1 risk-based capital ratio | 13.2932% | 4,968 |
| Total risk-based capital ratio | 14.5615% | 4,926 |
| Memoranda: | ||
| Average total assets | $133,698,330 | 4,125 |
| Average earning assets | $116,630,000 | 4,251 |
| Average equity | $12,929,330 | 4,407 |
| Average total loans | $80,601,000 | 4,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 3,553 |
| Cost of funding earning assets | 0.9786% | 2,112 |
| Net interest margin | 3.6105% | 4,218 |
| Noninterest income to average assets | 0.4398% | 4,375 |
| Noninterest expense to average assets | 3.1635% | 2,722 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4134% | 5,202 |
| Return on assets (ROA) | 0.4251% | 5,330 |
| Pretax return on assets | 0.4251% | 5,653 |
| Return on Equity (ROE) | 4.4949% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.4949% | 3,893 |
| Net charge-offs to loans | 0.8339% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8443% | 3,905 |
| Efficiency ratio | 88.4426% | 1,227 |
| Assets per employee ($millions) | 4.7960% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2272% | 666 |
| Loan loss allowance to noncurrent loans | 69.7118% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 6.3679% | 713 |
| Noncurrent loans to loans | 4.6293% | 1,240 |
| Net loans and leases to total assets | 59.3746% | 3,796 |
| Net loans and leases to deposits | 76.0239% | 2,792 |
| Net loans and leases to core deposits | 78.7839% | 3,213 |
| Total domestic deposits to total assets | 78.1000% | 6,248 |
| Equity capital to assets | 10.0893% | 4,015 |
| Core capital (leverage) ratio | 8.9201% | 4,964 |
| Tier 1 risk-based capital ratio | 13.2990% | 4,985 |
| Total risk-based capital ratio | 14.5688% | 4,954 |
| Memoranda: | ||
| Average total assets | $136,431,000 | 4,102 |
| Average earning assets | $118,542,000 | 4,235 |
| Average equity | $12,903,500 | 4,420 |
| Average total loans | $80,107,000 | 4,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 3,409 |
| Cost of funding earning assets | 1.0718% | 2,866 |
| Net interest margin | 3.8179% | 3,733 |
| Noninterest income to average assets | 0.4928% | 3,898 |
| Noninterest expense to average assets | 3.4908% | 2,005 |
| Loan and lease loss provision to assets | 1.2697% | 655 |
| Net operating income to assets | -0.5104% | 6,491 |
| Return on assets (ROA) | -0.5096% | 6,539 |
| Pretax return on assets | -0.9172% | 6,702 |
| Return on Equity (ROE) | -5.7162% | 6,565 |
| Retained earnings to average equity (ytd only) | -5.7162% | 6,490 |
| Net charge-offs to loans | 1.7363% | 869 |
| Credit loss provision to net charge-offs | 119.9077% | 2,661 |
| Earnings coverage of net charge-offs (x) | 0.3316% | 5,575 |
| Efficiency ratio | 90.8612% | 1,126 |
| Assets per employee ($millions) | 5.3100% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3802% | 580 |
| Loan loss allowance to noncurrent loans | 54.3500% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 6.4149% | 738 |
| Noncurrent loans to loans | 6.2194% | 782 |
| Net loans and leases to total assets | 54.4288% | 4,969 |
| Net loans and leases to deposits | 70.5475% | 4,016 |
| Net loans and leases to core deposits | 72.7027% | 4,412 |
| Total domestic deposits to total assets | 77.1520% | 6,319 |
| Equity capital to assets | 8.8876% | 5,688 |
| Core capital (leverage) ratio | 8.5367% | 5,501 |
| Tier 1 risk-based capital ratio | 12.7588% | 5,267 |
| Total risk-based capital ratio | 14.0326% | 5,236 |
| Memoranda: | ||
| Average total assets | $143,263,400 | 3,925 |
| Average earning assets | $125,671,000 | 4,021 |
| Average equity | $12,770,800 | 4,378 |
| Average total loans | $87,371,200 | 3,926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 3,478 |
| Cost of funding earning assets | 1.0899% | 3,044 |
| Net interest margin | 3.8274% | 3,734 |
| Noninterest income to average assets | 0.4980% | 3,885 |
| Noninterest expense to average assets | 3.4757% | 2,000 |
| Loan and lease loss provision to assets | 1.6932% | 367 |
| Net operating income to assets | -1.3115% | 6,991 |
| Return on assets (ROA) | -1.3097% | 7,011 |
| Pretax return on assets | -1.3088% | 6,970 |
| Return on Equity (ROE) | -14.6811% | 7,006 |
| Retained earnings to average equity (ytd only) | -14.6811% | 6,981 |
| Net charge-offs to loans | 2.2555% | 537 |
| Credit loss provision to net charge-offs | 120.7835% | 2,685 |
| Earnings coverage of net charge-offs (x) | 0.2729% | 5,394 |
| Efficiency ratio | 90.0844% | 1,160 |
| Assets per employee ($millions) | 6.1195% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1574% | 760 |
| Loan loss allowance to noncurrent loans | 47.0800% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 7.0743% | 696 |
| Noncurrent loans to loans | 6.7065% | 766 |
| Net loans and leases to total assets | 59.7309% | 4,179 |
| Net loans and leases to deposits | 77.2482% | 3,127 |
| Net loans and leases to core deposits | 79.6464% | 3,692 |
| Total domestic deposits to total assets | 77.3233% | 6,326 |
| Equity capital to assets | 8.6055% | 6,195 |
| Core capital (leverage) ratio | 8.2155% | 6,117 |
| Tier 1 risk-based capital ratio | 11.6774% | 6,123 |
| Total risk-based capital ratio | 12.9473% | 6,102 |
| Memoranda: | ||
| Average total assets | $143,237,000 | 3,943 |
| Average earning assets | $125,755,500 | 4,045 |
| Average equity | $12,778,000 | 4,388 |
| Average total loans | $89,023,000 | 3,928 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 3,281 |
| Cost of funding earning assets | 1.1149% | 3,125 |
| Net interest margin | 3.8612% | 3,482 |
| Noninterest income to average assets | 0.4109% | 4,587 |
| Noninterest expense to average assets | 3.4789% | 2,037 |
| Loan and lease loss provision to assets | 1.0204% | 845 |
| Net operating income to assets | -0.6955% | 6,812 |
| Return on assets (ROA) | -0.6830% | 6,812 |
| Pretax return on assets | -0.6816% | 6,756 |
| Return on Equity (ROE) | -7.5692% | 6,846 |
| Retained earnings to average equity (ytd only) | -7.5692% | 6,747 |
| Net charge-offs to loans | 0.8066% | 1,892 |
| Credit loss provision to net charge-offs | 203.0387% | 1,489 |
| Earnings coverage of net charge-offs (x) | 0.6492% | 4,813 |
| Efficiency ratio | 91.4265% | 1,137 |
| Assets per employee ($millions) | 4.8663% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1395% | 799 |
| Loan loss allowance to noncurrent loans | 46.1767% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 7.7535% | 611 |
| Noncurrent loans to loans | 6.7989% | 782 |
| Net loans and leases to total assets | 61.2568% | 4,035 |
| Net loans and leases to deposits | 80.1565% | 2,761 |
| Net loans and leases to core deposits | 81.5539% | 3,568 |
| Total domestic deposits to total assets | 76.4214% | 6,533 |
| Equity capital to assets | 9.2628% | 5,187 |
| Core capital (leverage) ratio | 8.7884% | 5,068 |
| Tier 1 risk-based capital ratio | 12.1064% | 5,706 |
| Total risk-based capital ratio | 13.3746% | 5,661 |
| Memoranda: | ||
| Average total assets | $144,066,670 | 3,955 |
| Average earning assets | $126,643,670 | 4,056 |
| Average equity | $13,000,000 | 4,345 |
| Average total loans | $89,760,330 | 3,943 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 3,119 |
| Cost of funding earning assets | 1.1311% | 3,292 |
| Net interest margin | 3.8656% | 3,318 |
| Noninterest income to average assets | 0.3628% | 5,012 |
| Noninterest expense to average assets | 3.4630% | 2,112 |
| Loan and lease loss provision to assets | 1.9459% | 284 |
| Net operating income to assets | -1.6271% | 7,226 |
| Return on assets (ROA) | -1.5858% | 7,220 |
| Pretax return on assets | -1.5858% | 7,186 |
| Return on Equity (ROE) | -17.8031% | 7,193 |
| Retained earnings to average equity (ytd only) | -17.8031% | 7,113 |
| Net charge-offs to loans | 0.2000% | 3,309 |
| Credit loss provision to net charge-offs | 1,573.3333% | 247 |
| Earnings coverage of net charge-offs (x) | 2.5778% | 3,046 |
| Efficiency ratio | 91.5698% | 1,193 |
| Assets per employee ($millions) | 4.8669% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4593% | 627 |
| Loan loss allowance to noncurrent loans | 50.3338% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 6.5798% | 840 |
| Noncurrent loans to loans | 6.8727% | 824 |
| Net loans and leases to total assets | 59.0810% | 4,450 |
| Net loans and leases to deposits | 76.4370% | 3,351 |
| Net loans and leases to core deposits | 77.7060% | 4,059 |
| Total domestic deposits to total assets | 77.2937% | 6,485 |
| Equity capital to assets | 8.7153% | 5,639 |
| Core capital (leverage) ratio | 8.7418% | 5,016 |
| Tier 1 risk-based capital ratio | 11.6818% | 5,953 |
| Total risk-based capital ratio | 12.9520% | 5,933 |
| Memoranda: | ||
| Average total assets | $145,538,000 | 3,968 |
| Average earning assets | $128,724,000 | 4,054 |
| Average equity | $12,964,000 | 4,344 |
| Average total loans | $90,015,500 | 3,976 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 3,648 |
| Cost of funding earning assets | 1.3796% | 3,395 |
| Net interest margin | 3.8127% | 3,897 |
| Noninterest income to average assets | 0.5226% | 4,010 |
| Noninterest expense to average assets | 3.5159% | 2,130 |
| Loan and lease loss provision to assets | 0.9141% | 1,791 |
| Net operating income to assets | -0.3407% | 6,256 |
| Return on assets (ROA) | -0.2944% | 6,250 |
| Pretax return on assets | -0.4895% | 6,310 |
| Return on Equity (ROE) | -3.1888% | 6,292 |
| Retained earnings to average equity (ytd only) | -3.1888% | 6,114 |
| Net charge-offs to loans | 2.1770% | 899 |
| Credit loss provision to net charge-offs | 65.0319% | 5,985 |
| Earnings coverage of net charge-offs (x) | 0.2506% | 5,860 |
| Efficiency ratio | 90.8929% | 1,247 |
| Assets per employee ($millions) | 4.6796% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6776% | 1,197 |
| Loan loss allowance to noncurrent loans | 25.6416% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 7.6605% | 668 |
| Noncurrent loans to loans | 10.4426% | 387 |
| Net loans and leases to total assets | 60.8329% | 4,520 |
| Net loans and leases to deposits | 78.4171% | 3,444 |
| Net loans and leases to core deposits | 80.2220% | 4,178 |
| Total domestic deposits to total assets | 77.5760% | 6,384 |
| Equity capital to assets | 9.1012% | 4,990 |
| Core capital (leverage) ratio | 9.0228% | 4,503 |
| Tier 1 risk-based capital ratio | 12.4911% | 5,029 |
| Total risk-based capital ratio | 13.7541% | 5,003 |
| Memoranda: | ||
| Average total assets | $145,057,200 | 3,968 |
| Average earning assets | $127,285,400 | 4,079 |
| Average equity | $13,390,800 | 4,288 |
| Average total loans | $93,659,200 | 3,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 3,033 |
| Cost of funding earning assets | 1.4243% | 3,430 |
| Net interest margin | 3.9450% | 3,343 |
| Noninterest income to average assets | 0.5745% | 3,621 |
| Noninterest expense to average assets | 3.5002% | 2,030 |
| Loan and lease loss provision to assets | 0.9752% | 1,530 |
| Net operating income to assets | -0.4780% | 6,577 |
| Return on assets (ROA) | -0.3998% | 6,561 |
| Pretax return on assets | -0.3732% | 6,469 |
| Return on Equity (ROE) | -4.3161% | 6,591 |
| Retained earnings to average equity (ytd only) | -4.3161% | 6,495 |
| Net charge-offs to loans | 1.3375% | 1,518 |
| Credit loss provision to net charge-offs | 112.0380% | 3,777 |
| Earnings coverage of net charge-offs (x) | 0.6019% | 5,425 |
| Efficiency ratio | 86.9804% | 1,536 |
| Assets per employee ($millions) | 4.5066% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5349% | 526 |
| Loan loss allowance to noncurrent loans | 29.8196% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 9.1935% | 479 |
| Noncurrent loans to loans | 11.8544% | 299 |
| Net loans and leases to total assets | 61.6136% | 4,607 |
| Net loans and leases to deposits | 79.5397% | 3,537 |
| Net loans and leases to core deposits | 81.3836% | 4,331 |
| Total domestic deposits to total assets | 77.4627% | 6,378 |
| Equity capital to assets | 9.1221% | 5,416 |
| Core capital (leverage) ratio | 8.7511% | 5,102 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,464 |
| Total risk-based capital ratio | 13.2747% | 5,408 |
| Memoranda: | ||
| Average total assets | $145,054,500 | 4,019 |
| Average earning assets | $126,841,750 | 4,138 |
| Average equity | $13,437,750 | 4,342 |
| Average total loans | $94,404,750 | 4,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 2,189 |
| Cost of funding earning assets | 1.4742% | 3,407 |
| Net interest margin | 4.1110% | 2,504 |
| Noninterest income to average assets | 0.5009% | 4,109 |
| Noninterest expense to average assets | 3.5353% | 1,941 |
| Loan and lease loss provision to assets | 0.4858% | 2,868 |
| Net operating income to assets | 0.1720% | 5,658 |
| Return on assets (ROA) | 0.1734% | 5,778 |
| Pretax return on assets | 0.0578% | 6,058 |
| Return on Equity (ROE) | 1.8623% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.8623% | 4,939 |
| Net charge-offs to loans | 0.7860% | 2,279 |
| Credit loss provision to net charge-offs | 94.3850% | 4,288 |
| Earnings coverage of net charge-offs (x) | 1.0535% | 4,739 |
| Efficiency ratio | 86.7027% | 1,629 |
| Assets per employee ($millions) | 4.8253% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3228% | 630 |
| Loan loss allowance to noncurrent loans | 39.1250% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 7.3723% | 691 |
| Noncurrent loans to loans | 8.4928% | 587 |
| Net loans and leases to total assets | 62.7291% | 4,532 |
| Net loans and leases to deposits | 81.3484% | 3,372 |
| Net loans and leases to core deposits | 83.5205% | 4,210 |
| Total domestic deposits to total assets | 77.1116% | 6,477 |
| Equity capital to assets | 9.5434% | 4,642 |
| Core capital (leverage) ratio | 9.4781% | 3,851 |
| Tier 1 risk-based capital ratio | 12.1642% | 5,160 |
| Total risk-based capital ratio | 13.2581% | 5,268 |
| Memoranda: | ||
| Average total assets | $145,336,000 | 4,042 |
| Average earning assets | $126,440,330 | 4,169 |
| Average equity | $13,532,000 | 4,312 |
| Average total loans | $95,170,000 | 4,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 2,133 |
| Cost of funding earning assets | 1.5618% | 3,191 |
| Net interest margin | 4.0417% | 2,689 |
| Noninterest income to average assets | 0.5494% | 3,654 |
| Noninterest expense to average assets | 3.5489% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5191% | 4,296 |
| Return on assets (ROA) | 0.5054% | 4,507 |
| Pretax return on assets | 0.5054% | 4,943 |
| Return on Equity (ROE) | 5.4964% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.4964% | 2,868 |
| Net charge-offs to loans | 1.3989% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.5642% | 4,525 |
| Efficiency ratio | 87.2384% | 1,663 |
| Assets per employee ($millions) | 4.6768% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9584% | 852 |
| Loan loss allowance to noncurrent loans | 37.6122% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 7.5437% | 674 |
| Noncurrent loans to loans | 7.8655% | 694 |
| Net loans and leases to total assets | 63.5090% | 4,429 |
| Net loans and leases to deposits | 82.2959% | 3,236 |
| Net loans and leases to core deposits | 84.1330% | 4,181 |
| Total domestic deposits to total assets | 77.1715% | 6,521 |
| Equity capital to assets | 9.3605% | 4,738 |
| Core capital (leverage) ratio | 9.2599% | 4,117 |
| Tier 1 risk-based capital ratio | 11.9731% | 5,223 |
| Total risk-based capital ratio | 13.2198% | 5,186 |
| Memoranda: | ||
| Average total assets | $145,624,500 | 4,101 |
| Average earning assets | $126,777,500 | 4,219 |
| Average equity | $13,390,500 | 4,381 |
| Average total loans | $95,791,500 | 4,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 3,758 |
| Cost of funding earning assets | 2.2315% | 1,895 |
| Net interest margin | 3.3377% | 5,595 |
| Noninterest income to average assets | 0.5493% | 4,030 |
| Noninterest expense to average assets | 4.1513% | 1,159 |
| Loan and lease loss provision to assets | 0.9077% | 2,480 |
| Net operating income to assets | -1.1356% | 6,671 |
| Return on assets (ROA) | -1.0276% | 6,593 |
| Pretax return on assets | -1.4331% | 6,658 |
| Return on Equity (ROE) | -11.4298% | 6,726 |
| Retained earnings to average equity (ytd only) | -11.4298% | 6,636 |
| Net charge-offs to loans | 1.0513% | 2,307 |
| Credit loss provision to net charge-offs | 137.3219% | 3,586 |
| Earnings coverage of net charge-offs (x) | -1.0218% | 6,882 |
| Efficiency ratio | 119.4329% | 615 |
| Assets per employee ($millions) | 4.4324% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2492% | 635 |
| Loan loss allowance to noncurrent loans | 36.6671% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 8.8529% | 456 |
| Noncurrent loans to loans | 8.8614% | 528 |
| Net loans and leases to total assets | 63.9634% | 4,604 |
| Net loans and leases to deposits | 82.4881% | 3,551 |
| Net loans and leases to core deposits | 98.8411% | 4,133 |
| Total domestic deposits to total assets | 77.5426% | 6,336 |
| Equity capital to assets | 9.0314% | 5,092 |
| Core capital (leverage) ratio | 8.7260% | 4,881 |
| Tier 1 risk-based capital ratio | 10.4726% | 6,423 |
| Total risk-based capital ratio | 11.6989% | 6,418 |
| Memoranda: | ||
| Average total assets | $159,299,600 | 3,783 |
| Average earning assets | $139,679,000 | 3,913 |
| Average equity | $14,322,200 | 4,188 |
| Average total loans | $100,161,400 | 3,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5243% | 4,300 |
| Cost of funding earning assets | 2.2892% | 2,025 |
| Net interest margin | 3.2351% | 5,895 |
| Noninterest income to average assets | 0.5569% | 4,031 |
| Noninterest expense to average assets | 4.0944% | 1,156 |
| Loan and lease loss provision to assets | 0.3248% | 4,385 |
| Net operating income to assets | -1.0179% | 6,851 |
| Return on assets (ROA) | -0.8366% | 6,714 |
| Pretax return on assets | -0.8366% | 6,563 |
| Return on Equity (ROE) | -9.3147% | 6,840 |
| Retained earnings to average equity (ytd only) | -9.3147% | 6,741 |
| Net charge-offs to loans | 1.1614% | 1,745 |
| Credit loss provision to net charge-offs | 45.0000% | 6,374 |
| Earnings coverage of net charge-offs (x) | -0.9602% | 6,622 |
| Efficiency ratio | 120.3762% | 582 |
| Assets per employee ($millions) | 4.7735% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3570% | 1,225 |
| Loan loss allowance to noncurrent loans | 23.8748% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 9.3654% | 395 |
| Noncurrent loans to loans | 9.8725% | 410 |
| Net loans and leases to total assets | 61.4260% | 5,341 |
| Net loans and leases to deposits | 78.7488% | 4,610 |
| Net loans and leases to core deposits | 96.4218% | 4,763 |
| Total domestic deposits to total assets | 78.0024% | 6,089 |
| Equity capital to assets | 9.2273% | 5,119 |
| Core capital (leverage) ratio | 9.1069% | 4,482 |
| Tier 1 risk-based capital ratio | 12.4592% | 4,577 |
| Total risk-based capital ratio | 13.7181% | 4,521 |
| Memoranda: | ||
| Average total assets | $162,557,500 | 3,751 |
| Average earning assets | $142,928,000 | 3,867 |
| Average equity | $14,600,250 | 4,167 |
| Average total loans | $101,026,750 | 3,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4924% | 4,679 |
| Cost of funding earning assets | 2.3637% | 2,111 |
| Net interest margin | 3.1287% | 6,156 |
| Noninterest income to average assets | 0.5644% | 3,933 |
| Noninterest expense to average assets | 3.9234% | 1,441 |
| Loan and lease loss provision to assets | 0.4776% | 3,136 |
| Net operating income to assets | -1.0843% | 7,042 |
| Return on assets (ROA) | -0.8358% | 6,856 |
| Pretax return on assets | -0.8358% | 6,704 |
| Return on Equity (ROE) | -9.3847% | 6,986 |
| Retained earnings to average equity (ytd only) | -9.3847% | 6,806 |
| Net charge-offs to loans | 1.5253% | 1,244 |
| Credit loss provision to net charge-offs | 50.5747% | 5,757 |
| Earnings coverage of net charge-offs (x) | -0.6424% | 6,137 |
| Efficiency ratio | 118.2909% | 698 |
| Assets per employee ($millions) | 4.9344% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4165% | 974 |
| Loan loss allowance to noncurrent loans | 32.1361% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 8.3039% | 444 |
| Noncurrent loans to loans | 7.5196% | 618 |
| Net loans and leases to total assets | 60.4058% | 5,612 |
| Net loans and leases to deposits | 79.9923% | 4,548 |
| Net loans and leases to core deposits | 98.0963% | 4,691 |
| Total domestic deposits to total assets | 75.5146% | 6,658 |
| Equity capital to assets | 9.0069% | 5,304 |
| Core capital (leverage) ratio | 9.1436% | 4,394 |
| Tier 1 risk-based capital ratio | 12.3975% | 4,602 |
| Total risk-based capital ratio | 13.6570% | 4,522 |
| Memoranda: | ||
| Average total assets | $165,825,670 | 3,708 |
| Average earning assets | $145,874,330 | 3,825 |
| Average equity | $14,768,670 | 4,148 |
| Average total loans | $102,670,670 | 3,945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 5,675 |
| Cost of funding earning assets | 2.5379% | 1,773 |
| Net interest margin | 2.8090% | 6,974 |
| Noninterest income to average assets | 0.5748% | 3,725 |
| Noninterest expense to average assets | 3.5150% | 2,059 |
| Loan and lease loss provision to assets | 0.8128% | 1,589 |
| Net operating income to assets | -1.2628% | 7,396 |
| Return on assets (ROA) | -0.9376% | 7,241 |
| Pretax return on assets | -0.9376% | 7,120 |
| Return on Equity (ROE) | -10.5837% | 7,400 |
| Retained earnings to average equity (ytd only) | -10.5837% | 7,165 |
| Net charge-offs to loans | 1.6588% | 870 |
| Credit loss provision to net charge-offs | 79.1284% | 4,204 |
| Earnings coverage of net charge-offs (x) | -0.4381% | 5,232 |
| Efficiency ratio | 114.6810% | 721 |
| Assets per employee ($millions) | 4.9649% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5595% | 721 |
| Loan loss allowance to noncurrent loans | 26.6627% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 9.6728% | 244 |
| Noncurrent loans to loans | 9.5995% | 317 |
| Net loans and leases to total assets | 61.7617% | 5,379 |
| Net loans and leases to deposits | 81.4074% | 4,389 |
| Net loans and leases to core deposits | 99.5210% | 4,585 |
| Total domestic deposits to total assets | 75.8675% | 6,534 |
| Equity capital to assets | 8.9691% | 5,391 |
| Core capital (leverage) ratio | 8.9632% | 4,770 |
| Tier 1 risk-based capital ratio | 12.0612% | 4,912 |
| Total risk-based capital ratio | 13.3224% | 4,794 |
| Memoranda: | ||
| Average total assets | $169,787,500 | 3,652 |
| Average earning assets | $150,518,500 | 3,742 |
| Average equity | $15,042,000 | 4,134 |
| Average total loans | $105,134,000 | 3,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2195% | 4,415 |
| Cost of funding earning assets | 2.9801% | 1,936 |
| Net interest margin | 3.2394% | 6,244 |
| Noninterest income to average assets | 0.3148% | 6,201 |
| Noninterest expense to average assets | 3.3158% | 2,916 |
| Loan and lease loss provision to assets | 1.8677% | 670 |
| Net operating income to assets | -1.1473% | 7,321 |
| Return on assets (ROA) | -1.1321% | 7,249 |
| Pretax return on assets | -1.9914% | 7,435 |
| Return on Equity (ROE) | -13.6662% | 7,529 |
| Retained earnings to average equity (ytd only) | -13.6662% | 7,383 |
| Net charge-offs to loans | 2.7839% | 336 |
| Credit loss provision to net charge-offs | 97.5278% | 5,458 |
| Earnings coverage of net charge-offs (x) | -0.0769% | 6,305 |
| Efficiency ratio | 104.6507% | 848 |
| Assets per employee ($millions) | 4.7496% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 625 |
| Loan loss allowance to noncurrent loans | 21.2229% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 9.1354% | 212 |
| Noncurrent loans to loans | 12.1717% | 125 |
| Net loans and leases to total assets | 58.9926% | 6,057 |
| Net loans and leases to deposits | 77.1125% | 5,455 |
| Net loans and leases to core deposits | 93.1882% | 5,527 |
| Total domestic deposits to total assets | 76.5020% | 6,118 |
| Equity capital to assets | 8.7570% | 5,719 |
| Core capital (leverage) ratio | 8.7664% | 5,090 |
| Tier 1 risk-based capital ratio | 12.0187% | 4,808 |
| Total risk-based capital ratio | 13.2798% | 4,680 |
| Memoranda: | ||
| Average total assets | $168,976,600 | 3,569 |
| Average earning assets | $148,853,400 | 3,678 |
| Average equity | $13,998,000 | 4,342 |
| Average total loans | $116,238,000 | 3,542 |