Home > Metropolitan Capital Bank & Trust > Performance and Condition Ratios
Metropolitan Capital Bank & Trust, 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 | 9.4875% | 83 |
| Cost of funding earning assets | 2.0899% | 793 |
| Net interest margin | 7.3976% | 45 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 5.4543% | 196 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 0.8623% | 2,662 |
| Return on assets (ROA) | 0.8623% | 2,639 |
| Pretax return on assets | 1.2221% | 2,086 |
| Return on Equity (ROE) | 14.6100% | 1,365 |
| Retained earnings to average equity (ytd only) | 10.8311% | 834 |
| Net charge-offs to loans | 1.1765% | 82 |
| Credit loss provision to net charge-offs | 52.7415% | 2,182 |
| Earnings coverage of net charge-offs (x) | 2.1650% | 2,717 |
| Efficiency ratio | 76.2720% | 1,222 |
| Assets per employee ($millions) | 4.8311% | 3,752 |
| Cash dividends to net income (ytd only)* | 25.8662% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 1,814 |
| Loan loss allowance to noncurrent loans | 674.6875% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 789 |
| Noncurrent loans to loans | 0.1913% | 2,557 |
| Net loans and leases to total assets | 65.7300% | 2,282 |
| Net loans and leases to deposits | 76.3294% | 2,423 |
| Net loans and leases to core deposits | 113.6160% | 825 |
| Total domestic deposits to total assets | 86.1100% | 1,974 |
| Equity capital to assets | 6.4450% | 4,135 |
| Core capital (leverage) ratio | 11.1268% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4787% | 1,694 |
| Memoranda: | ||
| Average total assets | $244,341,200 | 2,716 |
| Average earning assets | $231,779,000 | 2,673 |
| Average equity | $14,421,400 | 3,311 |
| Average total loans | $162,772,000 | 2,575 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4484% | 78 |
| Cost of funding earning assets | 1.9966% | 712 |
| Net interest margin | 7.4519% | 42 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 5.5580% | 197 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 0.9348% | 2,566 |
| Return on assets (ROA) | 0.9348% | 2,553 |
| Pretax return on assets | 1.3266% | 1,953 |
| Return on Equity (ROE) | 16.2200% | 1,217 |
| Retained earnings to average equity (ytd only) | 11.0258% | 1,154 |
| Net charge-offs to loans | 0.5518% | 156 |
| Credit loss provision to net charge-offs | 91.1809% | 1,687 |
| Earnings coverage of net charge-offs (x) | 4.5202% | 2,394 |
| Efficiency ratio | 76.9828% | 1,091 |
| Assets per employee ($millions) | 4.5677% | 3,901 |
| Cash dividends to net income (ytd only)* | 32.0400% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 569 |
| Loan loss allowance to noncurrent loans | 78.5929% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5741% | 231 |
| Noncurrent loans to loans | 2.2872% | 228 |
| Net loans and leases to total assets | 67.5900% | 2,093 |
| Net loans and leases to deposits | 75.9653% | 2,422 |
| Net loans and leases to core deposits | 115.6349% | 677 |
| Total domestic deposits to total assets | 88.9700% | 1,264 |
| Equity capital to assets | 5.5106% | 4,139 |
| Core capital (leverage) ratio | 10.8014% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0517% | 1,546 |
| Memoranda: | ||
| Average total assets | $242,621,750 | 2,728 |
| Average earning assets | $230,522,750 | 2,689 |
| Average equity | $13,979,000 | 3,337 |
| Average total loans | $161,644,000 | 2,591 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9267% | 80 |
| Cost of funding earning assets | 1.7609% | 801 |
| Net interest margin | 7.1658% | 47 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 5.4351% | 196 |
| Loan and lease loss provision to assets | 0.7200% | 101 |
| Net operating income to assets | 0.5735% | 3,646 |
| Return on assets (ROA) | 0.5735% | 3,652 |
| Pretax return on assets | 0.8233% | 3,345 |
| Return on Equity (ROE) | 9.8200% | 2,762 |
| Retained earnings to average equity (ytd only) | 6.3372% | 2,502 |
| Net charge-offs to loans | 0.8267% | 103 |
| Credit loss provision to net charge-offs | 132.0896% | 1,276 |
| Earnings coverage of net charge-offs (x) | 2.8313% | 2,297 |
| Efficiency ratio | 77.8853% | 1,007 |
| Assets per employee ($millions) | 5.0813% | 3,524 |
| Cash dividends to net income (ytd only)* | 35.4610% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 483 |
| Loan loss allowance to noncurrent loans | 75.1375% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 185 |
| Noncurrent loans to loans | 2.5580% | 179 |
| Net loans and leases to total assets | 65.8600% | 2,171 |
| Net loans and leases to deposits | 75.3656% | 2,376 |
| Net loans and leases to core deposits | 110.9542% | 788 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 5.6683% | 4,246 |
| Core capital (leverage) ratio | 10.4109% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0656% | 1,867 |
| Memoranda: | ||
| Average total assets | $245,844,667 | 2,717 |
| Average earning assets | $233,972,000 | 2,686 |
| Average equity | $14,359,667 | 3,323 |
| Average total loans | $162,083,000 | 2,582 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9567% | 39 |
| Cost of funding earning assets | 1.4464% | 947 |
| Net interest margin | 7.5103% | 33 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 5.2802% | 214 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.1765% | 2,004 |
| Return on assets (ROA) | 1.1765% | 1,963 |
| Pretax return on assets | 1.6812% | 1,313 |
| Return on Equity (ROE) | 19.8300% | 791 |
| Retained earnings to average equity (ytd only) | 19.8340% | 391 |
| Net charge-offs to loans | -0.0025% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.6548% | 1,477 |
| Assets per employee ($millions) | 5.4947% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 453 |
| Loan loss allowance to noncurrent loans | 74.4559% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.7270% | 166 |
| Noncurrent loans to loans | 2.6675% | 175 |
| Net loans and leases to total assets | 63.4500% | 2,302 |
| Net loans and leases to deposits | 78.8315% | 1,903 |
| Net loans and leases to core deposits | 113.4449% | 601 |
| Total domestic deposits to total assets | 80.4900% | 3,708 |
| Equity capital to assets | 5.9789% | 4,208 |
| Core capital (leverage) ratio | 10.9971% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7380% | 1,706 |
| Memoranda: | ||
| Average total assets | $241,735,000 | 2,776 |
| Average earning assets | $230,085,000 | 2,735 |
| Average equity | $14,339,000 | 3,359 |
| Average total loans | $157,825,000 | 2,642 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4659% | 69 |
| Cost of funding earning assets | 0.7929% | 395 |
| Net interest margin | 5.6729% | 70 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 4.9000% | 226 |
| Loan and lease loss provision to assets | -0.3300% | 4,673 |
| Net operating income to assets | 0.7788% | 3,401 |
| Return on assets (ROA) | 0.7788% | 3,334 |
| Pretax return on assets | 1.1124% | 2,727 |
| Return on Equity (ROE) | 11.5100% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.5059% | 777 |
| Net charge-offs to loans | -0.0178% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.2423% | 413 |
| Assets per employee ($millions) | 5.2435% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 420 |
| Loan loss allowance to noncurrent loans | 85.6783% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.5495% | 196 |
| Noncurrent loans to loans | 2.3517% | 205 |
| Net loans and leases to total assets | 64.5600% | 2,189 |
| Net loans and leases to deposits | 72.0090% | 2,407 |
| Net loans and leases to core deposits | 96.5835% | 1,170 |
| Total domestic deposits to total assets | 89.6600% | 1,501 |
| Equity capital to assets | 5.8800% | 4,138 |
| Core capital (leverage) ratio | 10.6641% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2905% | 1,535 |
| Memoranda: | ||
| Average total assets | $241,916,000 | 2,772 |
| Average earning assets | $231,290,800 | 2,725 |
| Average equity | $16,374,200 | 3,243 |
| Average total loans | $145,928,800 | 2,669 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1348% | 73 |
| Cost of funding earning assets | 0.7018% | 270 |
| Net interest margin | 5.4330% | 81 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 4.8763% | 222 |
| Loan and lease loss provision to assets | -0.3300% | 4,715 |
| Net operating income to assets | 0.6391% | 3,725 |
| Return on assets (ROA) | 0.6391% | 3,678 |
| Pretax return on assets | 0.9126% | 3,281 |
| Return on Equity (ROE) | 9.1600% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.1587% | 1,596 |
| Net charge-offs to loans | -0.0148% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.2768% | 342 |
| Assets per employee ($millions) | 4.9636% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 337 |
| Loan loss allowance to noncurrent loans | 115.2674% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 278 |
| Noncurrent loans to loans | 1.9298% | 314 |
| Net loans and leases to total assets | 61.3100% | 2,376 |
| Net loans and leases to deposits | 66.6968% | 2,659 |
| Net loans and leases to core deposits | 88.6806% | 1,378 |
| Total domestic deposits to total assets | 91.9300% | 902 |
| Equity capital to assets | 5.4092% | 4,159 |
| Core capital (leverage) ratio | 10.2169% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2150% | 1,646 |
| Memoranda: | ||
| Average total assets | $244,716,750 | 2,779 |
| Average earning assets | $234,241,500 | 2,729 |
| Average equity | $17,076,250 | 3,236 |
| Average total loans | $144,407,250 | 2,696 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8313% | 80 |
| Cost of funding earning assets | 0.6503% | 210 |
| Net interest margin | 5.1811% | 94 |
| Noninterest income to average assets | 0.2921% | 3,420 |
| Noninterest expense to average assets | 4.6732% | 196 |
| Loan and lease loss provision to assets | -0.3219% | 4,728 |
| Net operating income to assets | 0.6374% | 3,516 |
| Return on assets (ROA) | 0.6374% | 3,466 |
| Pretax return on assets | 0.9102% | 3,028 |
| Return on Equity (ROE) | 8.5336% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.5336% | 1,424 |
| Net charge-offs to loans | -0.0320% | 4,065 |
| Credit loss provision to net charge-offs | 1,739.1304% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8192% | 465 |
| Assets per employee ($millions) | 5.8612% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 317 |
| Loan loss allowance to noncurrent loans | 103.2826% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.5755% | 218 |
| Noncurrent loans to loans | 2.2486% | 279 |
| Net loans and leases to total assets | 60.5728% | 2,267 |
| Net loans and leases to deposits | 66.5638% | 2,501 |
| Net loans and leases to core deposits | 87.2732% | 1,256 |
| Total domestic deposits to total assets | 90.9996% | 1,247 |
| Equity capital to assets | 6.5003% | 4,022 |
| Core capital (leverage) ratio | 9.6912% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8010% | 1,766 |
| Memoranda: | ||
| Average total assets | $248,526,000 | 2,784 |
| Average earning assets | $238,367,000 | 2,733 |
| Average equity | $18,562,000 | 3,181 |
| Average total loans | $143,781,000 | 2,712 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 95 |
| Cost of funding earning assets | 0.5933% | 275 |
| Net interest margin | 4.8780% | 106 |
| Noninterest income to average assets | 0.1029% | 4,494 |
| Noninterest expense to average assets | 4.3842% | 218 |
| Loan and lease loss provision to assets | -0.3167% | 4,733 |
| Net operating income to assets | 0.5051% | 3,702 |
| Return on assets (ROA) | 0.5051% | 3,668 |
| Pretax return on assets | 0.7220% | 3,326 |
| Return on Equity (ROE) | 6.3696% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,121 |
| Net charge-offs to loans | -0.0085% | 3,520 |
| Credit loss provision to net charge-offs | 6,666.6667% | 66 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5372% | 482 |
| Assets per employee ($millions) | 5.7910% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5778% | 267 |
| Loan loss allowance to noncurrent loans | 115.7761% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.7823% | 176 |
| Noncurrent loans to loans | 2.2266% | 300 |
| Net loans and leases to total assets | 56.5582% | 2,474 |
| Net loans and leases to deposits | 61.2747% | 2,780 |
| Net loans and leases to core deposits | 75.5666% | 1,804 |
| Total domestic deposits to total assets | 92.3026% | 472 |
| Equity capital to assets | 7.4919% | 3,940 |
| Core capital (leverage) ratio | 9.5197% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9375% | 1,825 |
| Memoranda: | ||
| Average total assets | $252,633,500 | 2,770 |
| Average earning assets | $242,721,000 | 2,718 |
| Average equity | $20,032,500 | 3,143 |
| Average total loans | $141,159,500 | 2,741 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 166 |
| Cost of funding earning assets | 0.8322% | 171 |
| Net interest margin | 4.4881% | 281 |
| Noninterest income to average assets | 0.8912% | 1,230 |
| Noninterest expense to average assets | 4.2610% | 243 |
| Loan and lease loss provision to assets | -0.0812% | 4,478 |
| Net operating income to assets | 0.6956% | 3,640 |
| Return on assets (ROA) | 0.6946% | 3,695 |
| Pretax return on assets | 0.9932% | 3,276 |
| Return on Equity (ROE) | 8.0879% | 3,191 |
| Retained earnings to average equity (ytd only) | 8.0879% | 1,504 |
| Net charge-offs to loans | -0.0127% | 3,815 |
| Credit loss provision to net charge-offs | 1,176.4706% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3520% | 651 |
| Assets per employee ($millions) | 6.5511% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7197% | 208 |
| Loan loss allowance to noncurrent loans | 99.4816% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.9268% | 167 |
| Noncurrent loans to loans | 2.7339% | 234 |
| Net loans and leases to total assets | 52.3876% | 3,015 |
| Net loans and leases to deposits | 57.8736% | 3,269 |
| Net loans and leases to core deposits | 71.7505% | 2,281 |
| Total domestic deposits to total assets | 90.5206% | 708 |
| Equity capital to assets | 8.3357% | 4,155 |
| Core capital (leverage) ratio | 9.2456% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0716% | 1,823 |
| Memoranda: | ||
| Average total assets | $246,186,200 | 2,756 |
| Average earning assets | $234,933,600 | 2,715 |
| Average equity | $21,142,800 | 3,126 |
| Average total loans | $134,267,000 | 2,792 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 178 |
| Cost of funding earning assets | 0.8933% | 156 |
| Net interest margin | 4.4740% | 328 |
| Noninterest income to average assets | 1.1680% | 841 |
| Noninterest expense to average assets | 4.2428% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8264% | 3,452 |
| Return on assets (ROA) | 0.8251% | 3,528 |
| Pretax return on assets | 1.1774% | 2,999 |
| Return on Equity (ROE) | 9.5319% | 2,917 |
| Retained earnings to average equity (ytd only) | 9.5319% | 1,469 |
| Net charge-offs to loans | -0.0111% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2538% | 858 |
| Assets per employee ($millions) | 6.6894% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8756% | 177 |
| Loan loss allowance to noncurrent loans | 137.5981% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 315 |
| Noncurrent loans to loans | 2.0899% | 410 |
| Net loans and leases to total assets | 50.9072% | 3,306 |
| Net loans and leases to deposits | 56.4271% | 3,544 |
| Net loans and leases to core deposits | 70.1124% | 2,586 |
| Total domestic deposits to total assets | 90.2177% | 674 |
| Equity capital to assets | 8.1517% | 4,438 |
| Core capital (leverage) ratio | 9.1109% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9588% | 1,986 |
| Memoranda: | ||
| Average total assets | $242,222,000 | 2,798 |
| Average earning assets | $230,305,000 | 2,763 |
| Average equity | $20,967,750 | 3,166 |
| Average total loans | $132,554,750 | 2,857 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4754% | 180 |
| Cost of funding earning assets | 1.0033% | 104 |
| Net interest margin | 4.4722% | 371 |
| Noninterest income to average assets | 0.3131% | 3,554 |
| Noninterest expense to average assets | 4.2554% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1997% | 4,635 |
| Return on assets (ROA) | 0.1976% | 4,650 |
| Pretax return on assets | 0.2806% | 4,605 |
| Return on Equity (ROE) | 2.2334% | 4,572 |
| Retained earnings to average equity (ytd only) | 2.2334% | 4,060 |
| Net charge-offs to loans | -0.0123% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7606% | 260 |
| Assets per employee ($millions) | 5.4334% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9946% | 153 |
| Loan loss allowance to noncurrent loans | 148.1795% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4544% | 141 |
| Noncurrent loans to loans | 2.0209% | 481 |
| Net loans and leases to total assets | 53.3795% | 3,209 |
| Net loans and leases to deposits | 60.5231% | 3,348 |
| Net loans and leases to core deposits | 78.3737% | 2,016 |
| Total domestic deposits to total assets | 88.1969% | 1,721 |
| Equity capital to assets | 8.5569% | 4,159 |
| Core capital (leverage) ratio | 9.4299% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3678% | 2,217 |
| Memoranda: | ||
| Average total assets | $233,771,000 | 2,855 |
| Average earning assets | $220,877,000 | 2,823 |
| Average equity | $20,686,333 | 3,190 |
| Average total loans | $129,990,333 | 2,903 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 232 |
| Cost of funding earning assets | 1.2420% | 47 |
| Net interest margin | 4.0571% | 777 |
| Noninterest income to average assets | 0.1576% | 4,412 |
| Noninterest expense to average assets | 4.2644% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1961% | 4,838 |
| Return on assets (ROA) | -0.1961% | 4,841 |
| Pretax return on assets | -0.2855% | 4,851 |
| Return on Equity (ROE) | -2.1781% | 4,862 |
| Retained earnings to average equity (ytd only) | -2.1781% | 4,550 |
| Net charge-offs to loans | -0.0125% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1743% | 127 |
| Assets per employee ($millions) | 5.7355% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1167% | 133 |
| Loan loss allowance to noncurrent loans | 145.4480% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 3.1911% | 89 |
| Noncurrent loans to loans | 2.1428% | 476 |
| Net loans and leases to total assets | 54.5502% | 3,186 |
| Net loans and leases to deposits | 60.4799% | 3,445 |
| Net loans and leases to core deposits | 80.7120% | 1,939 |
| Total domestic deposits to total assets | 90.1956% | 726 |
| Equity capital to assets | 8.5259% | 4,091 |
| Core capital (leverage) ratio | 9.3585% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5258% | 2,074 |
| Memoranda: | ||
| Average total assets | $228,404,500 | 2,876 |
| Average earning assets | $215,130,000 | 2,852 |
| Average equity | $20,568,500 | 3,193 |
| Average total loans | $127,713,500 | 2,929 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 171 |
| Cost of funding earning assets | 1.4206% | 116 |
| Net interest margin | 4.1416% | 723 |
| Noninterest income to average assets | 0.3805% | 3,208 |
| Noninterest expense to average assets | 4.8192% | 208 |
| Loan and lease loss provision to assets | -0.6349% | 5,000 |
| Net operating income to assets | 0.0181% | 4,722 |
| Return on assets (ROA) | 0.0181% | 4,760 |
| Pretax return on assets | 0.0213% | 4,750 |
| Return on Equity (ROE) | 0.1881% | 4,753 |
| Retained earnings to average equity (ytd only) | 0.1881% | 4,463 |
| Net charge-offs to loans | -0.8512% | 4,959 |
| Credit loss provision to net charge-offs | 130.9635% | 2,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5907% | 101 |
| Assets per employee ($millions) | 5.8305% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1849% | 123 |
| Loan loss allowance to noncurrent loans | 131.8793% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 3.4883% | 85 |
| Noncurrent loans to loans | 2.4150% | 431 |
| Net loans and leases to total assets | 53.7541% | 3,511 |
| Net loans and leases to deposits | 60.3490% | 3,729 |
| Net loans and leases to core deposits | 81.1197% | 2,264 |
| Total domestic deposits to total assets | 89.0721% | 955 |
| Equity capital to assets | 9.4889% | 3,620 |
| Core capital (leverage) ratio | 9.4851% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3829% | 1,721 |
| Memoranda: | ||
| Average total assets | $220,491,200 | 2,794 |
| Average earning assets | $203,640,800 | 2,797 |
| Average equity | $21,264,400 | 3,074 |
| Average total loans | $125,583,600 | 2,917 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6260% | 175 |
| Cost of funding earning assets | 1.4226% | 156 |
| Net interest margin | 4.2034% | 728 |
| Noninterest income to average assets | 0.2060% | 4,238 |
| Noninterest expense to average assets | 4.8964% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.5711% | 4,904 |
| Return on assets (ROA) | -0.5711% | 4,909 |
| Pretax return on assets | -0.8277% | 4,927 |
| Return on Equity (ROE) | -5.8968% | 4,928 |
| Retained earnings to average equity (ytd only) | -5.8968% | 4,867 |
| Net charge-offs to loans | -0.0319% | 4,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3415% | 76 |
| Assets per employee ($millions) | 5.5726% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5946% | 83 |
| Loan loss allowance to noncurrent loans | 135.5397% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 3.5522% | 107 |
| Noncurrent loans to loans | 2.6521% | 388 |
| Net loans and leases to total assets | 51.4380% | 3,999 |
| Net loans and leases to deposits | 59.2996% | 4,109 |
| Net loans and leases to core deposits | 80.4296% | 2,809 |
| Total domestic deposits to total assets | 86.7425% | 1,754 |
| Equity capital to assets | 9.0163% | 4,109 |
| Core capital (leverage) ratio | 9.9005% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3260% | 1,723 |
| Memoranda: | ||
| Average total assets | $218,766,250 | 2,787 |
| Average earning assets | $201,039,000 | 2,796 |
| Average equity | $21,186,250 | 3,076 |
| Average total loans | $125,416,250 | 2,922 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 187 |
| Cost of funding earning assets | 1.4736% | 173 |
| Net interest margin | 4.3345% | 697 |
| Noninterest income to average assets | 0.1782% | 4,398 |
| Noninterest expense to average assets | 4.7604% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.4315% | 4,904 |
| Return on assets (ROA) | -0.4315% | 4,902 |
| Pretax return on assets | -0.6162% | 4,917 |
| Return on Equity (ROE) | -4.3495% | 4,920 |
| Retained earnings to average equity (ytd only) | -4.3495% | 4,748 |
| Net charge-offs to loans | 0.0221% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -47.4286% | 3,017 |
| Efficiency ratio | 114.8679% | 101 |
| Assets per employee ($millions) | 5.2895% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7242% | 77 |
| Loan loss allowance to noncurrent loans | 129.9191% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 3.7010% | 102 |
| Noncurrent loans to loans | 2.8666% | 362 |
| Net loans and leases to total assets | 50.4787% | 4,140 |
| Net loans and leases to deposits | 58.0361% | 4,223 |
| Net loans and leases to core deposits | 80.2849% | 2,925 |
| Total domestic deposits to total assets | 86.9781% | 1,626 |
| Equity capital to assets | 9.5270% | 3,638 |
| Core capital (leverage) ratio | 10.2465% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2276% | 1,439 |
| Memoranda: | ||
| Average total assets | $215,530,000 | 2,791 |
| Average earning assets | $197,210,667 | 2,809 |
| Average equity | $21,381,667 | 3,039 |
| Average total loans | $126,586,667 | 2,896 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2742% | 110 |
| Cost of funding earning assets | 1.4645% | 304 |
| Net interest margin | 4.8098% | 273 |
| Noninterest income to average assets | 0.1941% | 4,383 |
| Noninterest expense to average assets | 5.2154% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4203% | 4,913 |
| Return on assets (ROA) | -0.4203% | 4,886 |
| Pretax return on assets | -0.6013% | 4,902 |
| Return on Equity (ROE) | -4.1508% | 4,901 |
| Retained earnings to average equity (ytd only) | -4.1508% | 4,451 |
| Net charge-offs to loans | -0.0972% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0310% | 135 |
| Assets per employee ($millions) | 5.5410% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4820% | 100 |
| Loan loss allowance to noncurrent loans | 177.4180% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 3.6866% | 120 |
| Noncurrent loans to loans | 1.9626% | 740 |
| Net loans and leases to total assets | 60.9198% | 3,409 |
| Net loans and leases to deposits | 70.2007% | 3,575 |
| Net loans and leases to core deposits | 104.2812% | 1,173 |
| Total domestic deposits to total assets | 86.7794% | 1,655 |
| Equity capital to assets | 10.7331% | 3,107 |
| Core capital (leverage) ratio | 10.3266% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8156% | 1,657 |
| Memoranda: | ||
| Average total assets | $212,216,500 | 2,772 |
| Average earning assets | $195,020,500 | 2,784 |
| Average equity | $21,490,000 | 3,025 |
| Average total loans | $131,640,000 | 2,815 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2867% | 62 |
| Cost of funding earning assets | 1.5140% | 379 |
| Net interest margin | 5.7728% | 78 |
| Noninterest income to average assets | 0.2213% | 4,342 |
| Noninterest expense to average assets | 5.0165% | 214 |
| Loan and lease loss provision to assets | -0.2982% | 5,145 |
| Net operating income to assets | 0.6375% | 4,051 |
| Return on assets (ROA) | 0.6375% | 4,118 |
| Pretax return on assets | 0.9089% | 3,721 |
| Return on Equity (ROE) | 7.1778% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.1778% | 1,319 |
| Net charge-offs to loans | -0.3380% | 5,097 |
| Credit loss provision to net charge-offs | 130.0000% | 1,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1464% | 384 |
| Assets per employee ($millions) | 6.0799% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1680% | 107 |
| Loan loss allowance to noncurrent loans | 169.8010% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 3.3100% | 148 |
| Noncurrent loans to loans | 1.8657% | 714 |
| Net loans and leases to total assets | 59.1329% | 3,661 |
| Net loans and leases to deposits | 67.1274% | 3,887 |
| Net loans and leases to core deposits | 94.5726% | 2,016 |
| Total domestic deposits to total assets | 88.0906% | 1,090 |
| Equity capital to assets | 9.5885% | 4,281 |
| Core capital (leverage) ratio | 9.7443% | 3,797 |
| Tier 1 risk-based capital ratio | 13.5676% | 3,476 |
| Total risk-based capital ratio | 14.8362% | 3,379 |
| Memoranda: | ||
| Average total assets | $235,442,600 | 2,542 |
| Average earning assets | $220,482,400 | 2,533 |
| Average equity | $20,911,800 | 3,045 |
| Average total loans | $159,751,200 | 2,514 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7165% | 52 |
| Cost of funding earning assets | 1.5068% | 400 |
| Net interest margin | 6.2097% | 56 |
| Noninterest income to average assets | 0.2117% | 4,455 |
| Noninterest expense to average assets | 5.2584% | 179 |
| Loan and lease loss provision to assets | -0.3932% | 5,237 |
| Net operating income to assets | 0.8278% | 3,585 |
| Return on assets (ROA) | 0.8278% | 3,666 |
| Pretax return on assets | 1.1789% | 3,049 |
| Return on Equity (ROE) | 9.4982% | 2,672 |
| Retained earnings to average equity (ytd only) | 9.4982% | 894 |
| Net charge-offs to loans | -0.4645% | 5,185 |
| Credit loss provision to net charge-offs | 121.8750% | 1,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9996% | 452 |
| Assets per employee ($millions) | 6.5698% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1248% | 118 |
| Loan loss allowance to noncurrent loans | 227.1222% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 2.9638% | 192 |
| Noncurrent loans to loans | 1.3758% | 1,119 |
| Net loans and leases to total assets | 59.1610% | 3,751 |
| Net loans and leases to deposits | 67.1445% | 3,982 |
| Net loans and leases to core deposits | 93.6274% | 2,210 |
| Total domestic deposits to total assets | 88.1100% | 992 |
| Equity capital to assets | 9.3698% | 4,552 |
| Core capital (leverage) ratio | 9.3355% | 4,339 |
| Tier 1 risk-based capital ratio | 13.4207% | 3,621 |
| Total risk-based capital ratio | 14.6887% | 3,512 |
| Memoranda: | ||
| Average total assets | $238,064,250 | 2,558 |
| Average earning assets | $223,602,250 | 2,529 |
| Average equity | $20,747,250 | 3,084 |
| Average total loans | $165,345,250 | 2,477 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8776% | 50 |
| Cost of funding earning assets | 1.4728% | 414 |
| Net interest margin | 6.4048% | 51 |
| Noninterest income to average assets | 0.1811% | 4,663 |
| Noninterest expense to average assets | 5.1999% | 192 |
| Loan and lease loss provision to assets | -0.2833% | 5,269 |
| Net operating income to assets | 0.9013% | 3,275 |
| Return on assets (ROA) | 0.9013% | 3,347 |
| Pretax return on assets | 1.2825% | 2,627 |
| Return on Equity (ROE) | 10.5950% | 2,141 |
| Retained earnings to average equity (ytd only) | 10.5950% | 620 |
| Net charge-offs to loans | -0.3432% | 5,198 |
| Credit loss provision to net charge-offs | 114.4295% | 1,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8805% | 660 |
| Assets per employee ($millions) | 5.7376% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8459% | 151 |
| Loan loss allowance to noncurrent loans | 291.0807% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 2.9590% | 205 |
| Noncurrent loans to loans | 0.9777% | 1,673 |
| Net loans and leases to total assets | 66.5047% | 3,039 |
| Net loans and leases to deposits | 75.2900% | 3,390 |
| Net loans and leases to core deposits | 106.5056% | 1,217 |
| Total domestic deposits to total assets | 88.3314% | 951 |
| Equity capital to assets | 9.2138% | 4,638 |
| Core capital (leverage) ratio | 9.1530% | 4,505 |
| Tier 1 risk-based capital ratio | 11.8070% | 4,518 |
| Total risk-based capital ratio | 13.0724% | 4,405 |
| Memoranda: | ||
| Average total assets | $240,771,670 | 2,546 |
| Average earning assets | $226,235,330 | 2,532 |
| Average equity | $20,481,330 | 3,105 |
| Average total loans | $173,652,330 | 2,421 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9046% | 50 |
| Cost of funding earning assets | 1.4380% | 400 |
| Net interest margin | 6.4666% | 53 |
| Noninterest income to average assets | 0.1682% | 4,731 |
| Noninterest expense to average assets | 4.8290% | 232 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0111% | 2,803 |
| Return on assets (ROA) | 1.0111% | 2,846 |
| Pretax return on assets | 1.4430% | 1,950 |
| Return on Equity (ROE) | 11.8943% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.8943% | 626 |
| Net charge-offs to loans | 0.9320% | 155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.0696% | 2,533 |
| Efficiency ratio | 76.9925% | 1,379 |
| Assets per employee ($millions) | 6.3523% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2860% | 102 |
| Loan loss allowance to noncurrent loans | 114.1550% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 4.3047% | 100 |
| Noncurrent loans to loans | 2.8786% | 399 |
| Net loans and leases to total assets | 71.4865% | 2,255 |
| Net loans and leases to deposits | 80.3972% | 2,793 |
| Net loans and leases to core deposits | 111.0904% | 876 |
| Total domestic deposits to total assets | 88.9166% | 895 |
| Equity capital to assets | 8.8621% | 4,773 |
| Core capital (leverage) ratio | 8.7063% | 4,862 |
| Tier 1 risk-based capital ratio | 10.4870% | 5,182 |
| Total risk-based capital ratio | 11.7567% | 5,083 |
| Memoranda: | ||
| Average total assets | $247,255,500 | 2,535 |
| Average earning assets | $233,382,500 | 2,502 |
| Average equity | $21,018,500 | 3,068 |
| Average total loans | $184,981,000 | 2,320 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6964% | 49 |
| Cost of funding earning assets | 1.3050% | 210 |
| Net interest margin | 6.3914% | 57 |
| Noninterest income to average assets | 0.1950% | 4,734 |
| Noninterest expense to average assets | 4.6836% | 258 |
| Loan and lease loss provision to assets | 0.3185% | 504 |
| Net operating income to assets | 0.8603% | 3,577 |
| Return on assets (ROA) | 0.8603% | 3,571 |
| Pretax return on assets | 1.2262% | 2,787 |
| Return on Equity (ROE) | 12.4118% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.1354% | 412 |
| Net charge-offs to loans | 0.1803% | 1,061 |
| Credit loss provision to net charge-offs | 224.4389% | 1,307 |
| Earnings coverage of net charge-offs (x) | 10.8853% | 2,674 |
| Efficiency ratio | 75.1989% | 1,466 |
| Assets per employee ($millions) | 6.0268% | 1,497 |
| Cash dividends to net income (ytd only)* | 10.2838% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2860% | 99 |
| Loan loss allowance to noncurrent loans | 181.4879% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 3.4797% | 152 |
| Noncurrent loans to loans | 1.8106% | 781 |
| Net loans and leases to total assets | 73.1839% | 2,063 |
| Net loans and leases to deposits | 81.5652% | 2,789 |
| Net loans and leases to core deposits | 110.6673% | 961 |
| Total domestic deposits to total assets | 89.7244% | 564 |
| Equity capital to assets | 8.1561% | 5,104 |
| Core capital (leverage) ratio | 8.0222% | 5,228 |
| Tier 1 risk-based capital ratio | 9.5181% | 5,369 |
| Total risk-based capital ratio | 10.7879% | 5,345 |
| Memoranda: | ||
| Average total assets | $282,582,000 | 2,254 |
| Average earning assets | $266,748,200 | 2,216 |
| Average equity | $19,586,200 | 3,127 |
| Average total loans | $222,400,000 | 2,005 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5227% | 51 |
| Cost of funding earning assets | 1.2589% | 184 |
| Net interest margin | 6.2638% | 62 |
| Noninterest income to average assets | 0.1927% | 4,819 |
| Noninterest expense to average assets | 4.5773% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0719% | 2,774 |
| Return on assets (ROA) | 1.0719% | 2,783 |
| Pretax return on assets | 1.5276% | 1,815 |
| Return on Equity (ROE) | 16.0853% | 684 |
| Retained earnings to average equity (ytd only) | 14.3602% | 213 |
| Net charge-offs to loans | 0.0261% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 73.8203% | 921 |
| Efficiency ratio | 74.9774% | 1,466 |
| Assets per employee ($millions) | 6.5309% | 1,171 |
| Cash dividends to net income (ytd only)* | 10.7252% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 214 |
| Loan loss allowance to noncurrent loans | 151.9958% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 3.3260% | 191 |
| Noncurrent loans to loans | 1.6995% | 917 |
| Net loans and leases to total assets | 79.0537% | 1,157 |
| Net loans and leases to deposits | 87.8757% | 2,169 |
| Net loans and leases to core deposits | 119.5941% | 583 |
| Total domestic deposits to total assets | 89.9609% | 522 |
| Equity capital to assets | 7.4335% | 5,320 |
| Core capital (leverage) ratio | 7.5012% | 5,393 |
| Tier 1 risk-based capital ratio | 8.2551% | 5,462 |
| Total risk-based capital ratio | 9.5177% | 5,461 |
| Memoranda: | ||
| Average total assets | $289,946,500 | 2,219 |
| Average earning assets | $273,670,000 | 2,182 |
| Average equity | $19,321,500 | 3,175 |
| Average total loans | $230,115,000 | 1,954 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3266% | 53 |
| Cost of funding earning assets | 1.1710% | 204 |
| Net interest margin | 6.1556% | 66 |
| Noninterest income to average assets | 0.1775% | 4,935 |
| Noninterest expense to average assets | 4.4945% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0537% | 2,793 |
| Return on assets (ROA) | 1.0537% | 2,784 |
| Pretax return on assets | 1.4995% | 1,816 |
| Return on Equity (ROE) | 16.3983% | 598 |
| Retained earnings to average equity (ytd only) | 13.7620% | 301 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9830% | 1,564 |
| Assets per employee ($millions) | 6.2542% | 1,295 |
| Cash dividends to net income (ytd only)* | 16.0772% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3979% | 276 |
| Loan loss allowance to noncurrent loans | 93.8918% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.9014% | 146 |
| Noncurrent loans to loans | 2.5539% | 505 |
| Net loans and leases to total assets | 78.5727% | 1,233 |
| Net loans and leases to deposits | 86.1868% | 2,289 |
| Net loans and leases to core deposits | 133.1677% | 274 |
| Total domestic deposits to total assets | 91.1656% | 213 |
| Equity capital to assets | 6.5373% | 5,480 |
| Core capital (leverage) ratio | 6.8651% | 5,492 |
| Tier 1 risk-based capital ratio | 7.3917% | 5,527 |
| Total risk-based capital ratio | 8.6525% | 5,528 |
| Memoranda: | ||
| Average total assets | $295,163,000 | 2,199 |
| Average earning assets | $278,899,670 | 2,163 |
| Average equity | $18,965,330 | 3,223 |
| Average total loans | $232,622,670 | 1,935 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0097% | 58 |
| Cost of funding earning assets | 1.1240% | 199 |
| Net interest margin | 5.8857% | 78 |
| Noninterest income to average assets | 0.2047% | 4,804 |
| Noninterest expense to average assets | 4.4318% | 313 |
| Loan and lease loss provision to assets | 0.5252% | 198 |
| Net operating income to assets | 0.6168% | 4,373 |
| Return on assets (ROA) | 0.6168% | 4,383 |
| Pretax return on assets | 0.8605% | 3,981 |
| Return on Equity (ROE) | 8.0251% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.6446% | 3,743 |
| Net charge-offs to loans | 0.0568% | 1,537 |
| Credit loss provision to net charge-offs | 1,181.8182% | 303 |
| Earnings coverage of net charge-offs (x) | 31.1818% | 1,217 |
| Efficiency ratio | 76.1806% | 1,569 |
| Assets per employee ($millions) | 6.4137% | 1,249 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 1,276 |
| Loan loss allowance to noncurrent loans | 32.8752% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 5.3684% | 86 |
| Noncurrent loans to loans | 4.7251% | 168 |
| Net loans and leases to total assets | 74.3555% | 1,803 |
| Net loans and leases to deposits | 82.3906% | 2,560 |
| Net loans and leases to core deposits | 123.5455% | 487 |
| Total domestic deposits to total assets | 90.2475% | 565 |
| Equity capital to assets | 7.4313% | 5,441 |
| Core capital (leverage) ratio | 7.8939% | 5,417 |
| Tier 1 risk-based capital ratio | 8.7760% | 5,582 |
| Total risk-based capital ratio | 10.0278% | 5,582 |
| Memoranda: | ||
| Average total assets | $297,032,500 | 2,208 |
| Average earning assets | $283,263,500 | 2,161 |
| Average equity | $22,828,500 | 2,883 |
| Average total loans | $232,204,500 | 1,947 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2817% | 53 |
| Cost of funding earning assets | 1.1986% | 74 |
| Net interest margin | 6.0831% | 66 |
| Noninterest income to average assets | 0.1225% | 5,336 |
| Noninterest expense to average assets | 4.6092% | 292 |
| Loan and lease loss provision to assets | 0.1000% | 2,222 |
| Net operating income to assets | 0.5445% | 4,243 |
| Return on assets (ROA) | 0.5443% | 4,276 |
| Pretax return on assets | 1.1746% | 2,871 |
| Return on Equity (ROE) | 6.9009% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.5487% | 1,792 |
| Net charge-offs to loans | 0.0019% | 4,051 |
| Credit loss provision to net charge-offs | 6,800.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 866.7500% | 96 |
| Efficiency ratio | 78.3313% | 1,310 |
| Assets per employee ($millions) | 5.5040% | 1,930 |
| Cash dividends to net income (ytd only)* | 19.5946% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,751 |
| Loan loss allowance to noncurrent loans | 32.0721% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 5.7742% | 71 |
| Noncurrent loans to loans | 4.3767% | 197 |
| Net loans and leases to total assets | 79.8837% | 978 |
| Net loans and leases to deposits | 89.1457% | 1,873 |
| Net loans and leases to core deposits | 144.1827% | 174 |
| Total domestic deposits to total assets | 89.6103% | 727 |
| Equity capital to assets | 7.9590% | 5,408 |
| Core capital (leverage) ratio | 8.3355% | 5,265 |
| Tier 1 risk-based capital ratio | 8.8142% | 5,640 |
| Total risk-based capital ratio | 10.0565% | 5,637 |
| Memoranda: | ||
| Average total assets | $271,913,200 | 2,340 |
| Average earning assets | $257,550,800 | 2,296 |
| Average equity | $21,446,400 | 2,999 |
| Average total loans | $214,454,200 | 2,044 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0349% | 58 |
| Cost of funding earning assets | 1.1923% | 70 |
| Net interest margin | 5.8427% | 78 |
| Noninterest income to average assets | 0.1108% | 5,442 |
| Noninterest expense to average assets | 4.5946% | 294 |
| Loan and lease loss provision to assets | 0.1351% | 1,602 |
| Net operating income to assets | 0.5414% | 4,608 |
| Return on assets (ROA) | 0.5411% | 4,643 |
| Pretax return on assets | 0.9103% | 4,005 |
| Return on Equity (ROE) | 6.8770% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.0457% | 2,864 |
| Net charge-offs to loans | 0.0025% | 3,661 |
| Credit loss provision to net charge-offs | 6,800.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 526.5666% | 193 |
| Efficiency ratio | 81.4570% | 962 |
| Assets per employee ($millions) | 5.5863% | 1,838 |
| Cash dividends to net income (ytd only)* | 26.6302% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,688 |
| Loan loss allowance to noncurrent loans | 41.7575% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 4.5389% | 131 |
| Noncurrent loans to loans | 3.4823% | 318 |
| Net loans and leases to total assets | 75.9372% | 1,598 |
| Net loans and leases to deposits | 84.4280% | 2,503 |
| Net loans and leases to core deposits | 133.2355% | 291 |
| Total domestic deposits to total assets | 89.9432% | 494 |
| Equity capital to assets | 7.7300% | 5,591 |
| Core capital (leverage) ratio | 7.8475% | 5,558 |
| Tier 1 risk-based capital ratio | 9.0712% | 5,698 |
| Total risk-based capital ratio | 10.3218% | 5,697 |
| Memoranda: | ||
| Average total assets | $268,340,000 | 2,374 |
| Average earning assets | $253,963,750 | 2,343 |
| Average equity | $21,113,250 | 3,054 |
| Average total loans | $210,096,000 | 2,085 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0864% | 57 |
| Cost of funding earning assets | 1.2111% | 59 |
| Net interest margin | 5.8753% | 81 |
| Noninterest income to average assets | 0.1104% | 5,478 |
| Noninterest expense to average assets | 4.5578% | 301 |
| Loan and lease loss provision to assets | 0.0935% | 2,120 |
| Net operating income to assets | 0.6098% | 4,260 |
| Return on assets (ROA) | 0.6093% | 4,304 |
| Pretax return on assets | 1.0132% | 3,512 |
| Return on Equity (ROE) | 7.6938% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.8873% | 2,787 |
| Net charge-offs to loans | 0.0039% | 3,354 |
| Credit loss provision to net charge-offs | 3,050.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 361.2500% | 238 |
| Efficiency ratio | 80.4518% | 1,164 |
| Assets per employee ($millions) | 5.7703% | 1,632 |
| Cash dividends to net income (ytd only)* | 36.4780% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,824 |
| Loan loss allowance to noncurrent loans | 62.3369% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 3.6679% | 201 |
| Noncurrent loans to loans | 2.2921% | 695 |
| Net loans and leases to total assets | 75.7600% | 1,577 |
| Net loans and leases to deposits | 83.9114% | 2,488 |
| Net loans and leases to core deposits | 134.2271% | 248 |
| Total domestic deposits to total assets | 90.2857% | 429 |
| Equity capital to assets | 7.4137% | 5,668 |
| Core capital (leverage) ratio | 7.2389% | 5,688 |
| Tier 1 risk-based capital ratio | 8.7778% | 5,753 |
| Total risk-based capital ratio | 10.0282% | 5,751 |
| Memoranda: | ||
| Average total assets | $260,956,670 | 2,433 |
| Average earning assets | $246,726,000 | 2,401 |
| Average equity | $20,666,000 | 3,092 |
| Average total loans | $205,513,000 | 2,123 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4271% | 47 |
| Cost of funding earning assets | 1.2480% | 47 |
| Net interest margin | 6.1791% | 65 |
| Noninterest income to average assets | 0.1904% | 5,136 |
| Noninterest expense to average assets | 4.8260% | 265 |
| Loan and lease loss provision to assets | 0.1152% | 1,664 |
| Net operating income to assets | 0.6590% | 3,889 |
| Return on assets (ROA) | 0.6590% | 3,928 |
| Pretax return on assets | 1.0861% | 3,039 |
| Return on Equity (ROE) | 8.0320% | 2,908 |
| Retained earnings to average equity (ytd only) | 4.8153% | 3,003 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0690% | 1,377 |
| Assets per employee ($millions) | 4.8480% | 2,630 |
| Cash dividends to net income (ytd only)* | 40.0485% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,565 |
| Loan loss allowance to noncurrent loans | 326.4674% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 398 |
| Noncurrent loans to loans | 0.4700% | 3,407 |
| Net loans and leases to total assets | 76.4037% | 1,344 |
| Net loans and leases to deposits | 85.5555% | 2,088 |
| Net loans and leases to core deposits | 146.3446% | 120 |
| Total domestic deposits to total assets | 89.3031% | 1,002 |
| Equity capital to assets | 8.0423% | 5,500 |
| Core capital (leverage) ratio | 8.2081% | 5,443 |
| Tier 1 risk-based capital ratio | 9.3169% | 5,790 |
| Total risk-based capital ratio | 10.5681% | 5,782 |
| Memoranda: | ||
| Average total assets | $250,061,500 | 2,541 |
| Average earning assets | $236,214,500 | 2,498 |
| Average equity | $20,518,000 | 3,124 |
| Average total loans | $199,612,500 | 2,190 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2522% | 52 |
| Cost of funding earning assets | 1.2205% | 48 |
| Net interest margin | 6.0317% | 68 |
| Noninterest income to average assets | 0.1933% | 5,247 |
| Noninterest expense to average assets | 4.5600% | 355 |
| Loan and lease loss provision to assets | 0.2070% | 1,098 |
| Net operating income to assets | 0.6832% | 3,856 |
| Return on assets (ROA) | 0.6835% | 3,970 |
| Pretax return on assets | 1.1072% | 3,071 |
| Return on Equity (ROE) | 7.8223% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.1419% | 1,170 |
| Net charge-offs to loans | -0.0039% | 4,771 |
| Credit loss provision to net charge-offs | -6,714.2857% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6337% | 1,752 |
| Assets per employee ($millions) | 4.5883% | 2,987 |
| Cash dividends to net income (ytd only)* | 8.6985% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,689 |
| Loan loss allowance to noncurrent loans | 296.0357% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 2.9258% | 358 |
| Noncurrent loans to loans | 0.5049% | 3,335 |
| Net loans and leases to total assets | 80.9544% | 745 |
| Net loans and leases to deposits | 92.2404% | 1,417 |
| Net loans and leases to core deposits | 149.4924% | 116 |
| Total domestic deposits to total assets | 87.7646% | 1,761 |
| Equity capital to assets | 8.3773% | 5,365 |
| Core capital (leverage) ratio | 8.7395% | 5,033 |
| Tier 1 risk-based capital ratio | 9.1872% | 5,847 |
| Total risk-based capital ratio | 10.4384% | 5,846 |
| Memoranda: | ||
| Average total assets | $227,060,000 | 2,690 |
| Average earning assets | $213,838,600 | 2,658 |
| Average equity | $19,840,600 | 3,185 |
| Average total loans | $180,177,200 | 2,308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1274% | 51 |
| Cost of funding earning assets | 1.2249% | 47 |
| Net interest margin | 5.9024% | 69 |
| Noninterest income to average assets | 0.1578% | 5,482 |
| Noninterest expense to average assets | 4.5762% | 358 |
| Loan and lease loss provision to assets | 0.1166% | 1,982 |
| Net operating income to assets | 0.6369% | 4,133 |
| Return on assets (ROA) | 0.6373% | 4,260 |
| Pretax return on assets | 1.0223% | 3,542 |
| Return on Equity (ROE) | 7.2119% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.5015% | 1,915 |
| Net charge-offs to loans | -0.0053% | 4,628 |
| Credit loss provision to net charge-offs | -2,785.7143% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0816% | 1,430 |
| Assets per employee ($millions) | 4.6295% | 2,872 |
| Cash dividends to net income (ytd only)* | 9.8501% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,715 |
| Loan loss allowance to noncurrent loans | 42.6818% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 5.4928% | 117 |
| Noncurrent loans to loans | 3.5508% | 354 |
| Net loans and leases to total assets | 77.6904% | 1,249 |
| Net loans and leases to deposits | 88.0097% | 2,020 |
| Net loans and leases to core deposits | 139.3952% | 203 |
| Total domestic deposits to total assets | 88.2748% | 1,249 |
| Equity capital to assets | 8.9017% | 5,241 |
| Core capital (leverage) ratio | 8.8577% | 4,995 |
| Tier 1 risk-based capital ratio | 9.8807% | 5,820 |
| Total risk-based capital ratio | 11.1317% | 5,787 |
| Memoranda: | ||
| Average total assets | $223,030,000 | 2,737 |
| Average earning assets | $209,965,000 | 2,705 |
| Average equity | $19,707,750 | 3,221 |
| Average total loans | $175,258,500 | 2,363 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1121% | 52 |
| Cost of funding earning assets | 1.2305% | 47 |
| Net interest margin | 5.8816% | 77 |
| Noninterest income to average assets | 0.1398% | 5,614 |
| Noninterest expense to average assets | 4.5410% | 373 |
| Loan and lease loss provision to assets | 0.1759% | 1,244 |
| Net operating income to assets | 0.5853% | 4,329 |
| Return on assets (ROA) | 0.5853% | 4,455 |
| Pretax return on assets | 0.9623% | 3,733 |
| Return on Equity (ROE) | 6.6407% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.6407% | 1,785 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9587% | 1,497 |
| Assets per employee ($millions) | 4.7020% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,765 |
| Loan loss allowance to noncurrent loans | 171.9644% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 3.3329% | 335 |
| Noncurrent loans to loans | 0.8884% | 2,514 |
| Net loans and leases to total assets | 75.6788% | 1,539 |
| Net loans and leases to deposits | 85.4131% | 2,313 |
| Net loans and leases to core deposits | 134.9619% | 237 |
| Total domestic deposits to total assets | 88.6033% | 1,114 |
| Equity capital to assets | 8.6450% | 5,515 |
| Core capital (leverage) ratio | 8.9578% | 4,878 |
| Tier 1 risk-based capital ratio | 10.0452% | 5,842 |
| Total risk-based capital ratio | 11.2966% | 5,782 |
| Memoranda: | ||
| Average total assets | $221,758,670 | 2,760 |
| Average earning assets | $208,854,000 | 2,722 |
| Average equity | $19,546,000 | 3,246 |
| Average total loans | $174,028,670 | 2,376 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2655% | 52 |
| Cost of funding earning assets | 1.2773% | 37 |
| Net interest margin | 5.9881% | 69 |
| Noninterest income to average assets | 0.0773% | 5,884 |
| Noninterest expense to average assets | 4.4629% | 404 |
| Loan and lease loss provision to assets | 0.2851% | 576 |
| Net operating income to assets | 0.5832% | 4,258 |
| Return on assets (ROA) | 0.5832% | 4,375 |
| Pretax return on assets | 0.9695% | 3,580 |
| Return on Equity (ROE) | 6.5496% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.5496% | 2,110 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0566% | 1,887 |
| Assets per employee ($millions) | 4.6124% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,988 |
| Loan loss allowance to noncurrent loans | 160.9300% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 3.7376% | 281 |
| Noncurrent loans to loans | 0.9319% | 2,520 |
| Net loans and leases to total assets | 82.4975% | 506 |
| Net loans and leases to deposits | 94.0270% | 1,142 |
| Net loans and leases to core deposits | 152.1078% | 100 |
| Total domestic deposits to total assets | 87.7381% | 1,788 |
| Equity capital to assets | 9.2247% | 4,966 |
| Core capital (leverage) ratio | 9.1126% | 4,718 |
| Tier 1 risk-based capital ratio | 9.7784% | 5,958 |
| Total risk-based capital ratio | 11.0293% | 5,928 |
| Memoranda: | ||
| Average total assets | $217,438,000 | 2,805 |
| Average earning assets | $204,804,500 | 2,770 |
| Average equity | $19,360,000 | 3,266 |
| Average total loans | $172,508,500 | 2,381 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0759% | 54 |
| Cost of funding earning assets | 1.2344% | 49 |
| Net interest margin | 5.8415% | 80 |
| Noninterest income to average assets | 0.3887% | 4,118 |
| Noninterest expense to average assets | 4.5248% | 405 |
| Loan and lease loss provision to assets | 0.1399% | 1,695 |
| Net operating income to assets | 0.6976% | 3,825 |
| Return on assets (ROA) | 0.6976% | 3,928 |
| Pretax return on assets | 1.1982% | 2,664 |
| Return on Equity (ROE) | 7.9719% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.9719% | 928 |
| Net charge-offs to loans | 0.1094% | 2,285 |
| Credit loss provision to net charge-offs | 156.9061% | 1,705 |
| Earnings coverage of net charge-offs (x) | 15.0055% | 2,240 |
| Efficiency ratio | 77.1765% | 2,092 |
| Assets per employee ($millions) | 5.0615% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 2,009 |
| Loan loss allowance to noncurrent loans | 119.6948% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 3.7583% | 286 |
| Noncurrent loans to loans | 1.2533% | 1,881 |
| Net loans and leases to total assets | 74.0020% | 1,728 |
| Net loans and leases to deposits | 83.5604% | 2,410 |
| Net loans and leases to core deposits | 131.3025% | 252 |
| Total domestic deposits to total assets | 88.5612% | 1,346 |
| Equity capital to assets | 8.5979% | 5,472 |
| Core capital (leverage) ratio | 8.9811% | 4,907 |
| Tier 1 risk-based capital ratio | 10.2875% | 5,870 |
| Total risk-based capital ratio | 11.5386% | 5,792 |
| Memoranda: | ||
| Average total assets | $202,968,800 | 2,918 |
| Average earning assets | $190,208,400 | 2,887 |
| Average equity | $17,762,400 | 3,413 |
| Average total loans | $165,496,400 | 2,396 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3316% | 52 |
| Cost of funding earning assets | 1.2241% | 51 |
| Net interest margin | 6.1075% | 67 |
| Noninterest income to average assets | 0.4767% | 3,522 |
| Noninterest expense to average assets | 4.7122% | 358 |
| Loan and lease loss provision to assets | 0.1010% | 2,163 |
| Net operating income to assets | 0.8005% | 3,423 |
| Return on assets (ROA) | 0.8005% | 3,522 |
| Pretax return on assets | 1.3741% | 2,123 |
| Return on Equity (ROE) | 9.1025% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.1025% | 868 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1589% | 2,223 |
| Assets per employee ($millions) | 4.9451% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 2,040 |
| Loan loss allowance to noncurrent loans | 84.4400% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 4.6328% | 233 |
| Noncurrent loans to loans | 1.8101% | 1,309 |
| Net loans and leases to total assets | 81.2192% | 676 |
| Net loans and leases to deposits | 93.0803% | 1,293 |
| Net loans and leases to core deposits | 154.1469% | 91 |
| Total domestic deposits to total assets | 87.2572% | 1,916 |
| Equity capital to assets | 9.3662% | 4,923 |
| Core capital (leverage) ratio | 9.4062% | 4,432 |
| Tier 1 risk-based capital ratio | 10.2728% | 5,956 |
| Total risk-based capital ratio | 11.5244% | 5,900 |
| Memoranda: | ||
| Average total assets | $198,034,500 | 2,997 |
| Average earning assets | $185,166,000 | 2,967 |
| Average equity | $17,416,000 | 3,499 |
| Average total loans | $165,041,250 | 2,422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2425% | 52 |
| Cost of funding earning assets | 1.1837% | 62 |
| Net interest margin | 6.0589% | 72 |
| Noninterest income to average assets | 0.6413% | 2,521 |
| Noninterest expense to average assets | 4.7734% | 343 |
| Loan and lease loss provision to assets | 0.1527% | 1,391 |
| Net operating income to assets | 0.8205% | 3,278 |
| Return on assets (ROA) | 0.8205% | 3,379 |
| Pretax return on assets | 1.3743% | 2,088 |
| Return on Equity (ROE) | 9.5434% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.5434% | 768 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7635% | 2,404 |
| Assets per employee ($millions) | 5.2455% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,285 |
| Loan loss allowance to noncurrent loans | 41.8673% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 6.0960% | 154 |
| Noncurrent loans to loans | 3.5877% | 480 |
| Net loans and leases to total assets | 81.9299% | 558 |
| Net loans and leases to deposits | 94.5192% | 1,099 |
| Net loans and leases to core deposits | 146.3400% | 126 |
| Total domestic deposits to total assets | 86.6807% | 2,328 |
| Equity capital to assets | 8.4379% | 5,732 |
| Core capital (leverage) ratio | 8.7719% | 5,259 |
| Tier 1 risk-based capital ratio | 9.2760% | 6,227 |
| Total risk-based capital ratio | 10.5274% | 6,209 |
| Memoranda: | ||
| Average total assets | $196,462,670 | 3,028 |
| Average earning assets | $183,499,670 | 3,009 |
| Average equity | $16,891,330 | 3,582 |
| Average total loans | $164,312,330 | 2,437 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0688% | 56 |
| Cost of funding earning assets | 1.1982% | 62 |
| Net interest margin | 5.8707% | 80 |
| Noninterest income to average assets | 1.1892% | 805 |
| Noninterest expense to average assets | 4.7816% | 351 |
| Loan and lease loss provision to assets | 0.1268% | 1,634 |
| Net operating income to assets | 1.0852% | 1,921 |
| Return on assets (ROA) | 1.0852% | 2,035 |
| Pretax return on assets | 1.7609% | 937 |
| Return on Equity (ROE) | 12.4985% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.4985% | 503 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6958% | 3,220 |
| Assets per employee ($millions) | 5.0734% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 2,372 |
| Loan loss allowance to noncurrent loans | 43.4714% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 6.2456% | 163 |
| Noncurrent loans to loans | 3.4940% | 554 |
| Net loans and leases to total assets | 82.9665% | 377 |
| Net loans and leases to deposits | 94.5393% | 933 |
| Net loans and leases to core deposits | 147.1973% | 111 |
| Total domestic deposits to total assets | 87.7588% | 1,953 |
| Equity capital to assets | 8.8365% | 5,459 |
| Core capital (leverage) ratio | 9.0018% | 4,949 |
| Tier 1 risk-based capital ratio | 9.3903% | 6,283 |
| Total risk-based capital ratio | 10.6419% | 6,269 |
| Memoranda: | ||
| Average total assets | $192,406,000 | 3,087 |
| Average earning assets | $179,605,000 | 3,073 |
| Average equity | $16,706,000 | 3,628 |
| Average total loans | $161,386,000 | 2,478 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4689% | 53 |
| Cost of funding earning assets | 1.2056% | 82 |
| Net interest margin | 6.2634% | 73 |
| Noninterest income to average assets | 0.1325% | 6,029 |
| Noninterest expense to average assets | 4.5529% | 443 |
| Loan and lease loss provision to assets | 0.3314% | 586 |
| Net operating income to assets | 0.6269% | 4,247 |
| Return on assets (ROA) | 0.6252% | 4,359 |
| Pretax return on assets | 1.0502% | 3,301 |
| Return on Equity (ROE) | 7.2432% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.2432% | 1,300 |
| Net charge-offs to loans | 0.1351% | 2,669 |
| Credit loss provision to net charge-offs | 300.5025% | 862 |
| Earnings coverage of net charge-offs (x) | 12.5528% | 2,356 |
| Efficiency ratio | 76.6825% | 2,415 |
| Assets per employee ($millions) | 5.3339% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,469 |
| Loan loss allowance to noncurrent loans | 70.0437% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 5.5062% | 234 |
| Noncurrent loans to loans | 2.1421% | 1,262 |
| Net loans and leases to total assets | 82.2551% | 495 |
| Net loans and leases to deposits | 93.2672% | 1,153 |
| Net loans and leases to core deposits | 143.2613% | 143 |
| Total domestic deposits to total assets | 88.1930% | 1,668 |
| Equity capital to assets | 8.5282% | 5,726 |
| Core capital (leverage) ratio | 8.5172% | 5,546 |
| Tier 1 risk-based capital ratio | 9.7252% | 6,318 |
| Total risk-based capital ratio | 10.9775% | 6,283 |
| Memoranda: | ||
| Average total assets | $180,434,400 | 3,202 |
| Average earning assets | $167,225,800 | 3,192 |
| Average equity | $15,573,200 | 3,738 |
| Average total loans | $147,317,800 | 2,609 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3321% | 57 |
| Cost of funding earning assets | 1.2212% | 78 |
| Net interest margin | 6.1109% | 77 |
| Noninterest income to average assets | 0.1044% | 6,235 |
| Noninterest expense to average assets | 4.5450% | 440 |
| Loan and lease loss provision to assets | 0.3717% | 472 |
| Net operating income to assets | 0.4996% | 4,874 |
| Return on assets (ROA) | 0.4972% | 4,951 |
| Pretax return on assets | 0.8359% | 4,234 |
| Return on Equity (ROE) | 5.7417% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.7417% | 2,578 |
| Net charge-offs to loans | 0.1842% | 1,984 |
| Credit loss provision to net charge-offs | 248.7437% | 1,061 |
| Earnings coverage of net charge-offs (x) | 8.1054% | 2,853 |
| Efficiency ratio | 78.9563% | 2,060 |
| Assets per employee ($millions) | 5.3898% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 2,698 |
| Loan loss allowance to noncurrent loans | 967.6471% | 576 |
| Noncurrent assets plus other real estate owned to assets | 3.9270% | 516 |
| Noncurrent loans to loans | 0.1552% | 5,441 |
| Net loans and leases to total assets | 80.0861% | 706 |
| Net loans and leases to deposits | 90.8356% | 1,347 |
| Net loans and leases to core deposits | 153.2056% | 94 |
| Total domestic deposits to total assets | 88.1659% | 1,681 |
| Equity capital to assets | 8.3751% | 5,889 |
| Core capital (leverage) ratio | 8.2340% | 5,899 |
| Tier 1 risk-based capital ratio | 9.6697% | 6,412 |
| Total risk-based capital ratio | 10.9205% | 6,380 |
| Memoranda: | ||
| Average total assets | $177,537,750 | 3,265 |
| Average earning assets | $164,206,000 | 3,258 |
| Average equity | $15,372,500 | 3,791 |
| Average total loans | $144,059,000 | 2,671 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1969% | 60 |
| Cost of funding earning assets | 1.2247% | 81 |
| Net interest margin | 5.9722% | 83 |
| Noninterest income to average assets | 0.1001% | 6,283 |
| Noninterest expense to average assets | 4.4479% | 474 |
| Loan and lease loss provision to assets | 0.3509% | 511 |
| Net operating income to assets | 0.4892% | 4,850 |
| Return on assets (ROA) | 0.4855% | 4,936 |
| Pretax return on assets | 0.8272% | 4,171 |
| Return on Equity (ROE) | 5.5416% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.5416% | 2,615 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9785% | 2,170 |
| Assets per employee ($millions) | 5.2798% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 2,718 |
| Loan loss allowance to noncurrent loans | 517.2260% | 894 |
| Noncurrent assets plus other real estate owned to assets | 3.9000% | 565 |
| Noncurrent loans to loans | 0.2979% | 5,125 |
| Net loans and leases to total assets | 82.3100% | 442 |
| Net loans and leases to deposits | 93.7598% | 978 |
| Net loans and leases to core deposits | 148.8731% | 104 |
| Total domestic deposits to total assets | 87.7881% | 2,043 |
| Equity capital to assets | 8.6751% | 5,638 |
| Core capital (leverage) ratio | 8.5876% | 5,543 |
| Tier 1 risk-based capital ratio | 9.8601% | 6,436 |
| Total risk-based capital ratio | 11.1127% | 6,405 |
| Memoranda: | ||
| Average total assets | $173,836,330 | 3,323 |
| Average earning assets | $161,013,330 | 3,309 |
| Average equity | $15,230,330 | 3,814 |
| Average total loans | $140,952,330 | 2,714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1321% | 63 |
| Cost of funding earning assets | 1.2655% | 75 |
| Net interest margin | 5.8667% | 89 |
| Noninterest income to average assets | 0.0842% | 6,380 |
| Noninterest expense to average assets | 4.3135% | 544 |
| Loan and lease loss provision to assets | 0.2597% | 812 |
| Net operating income to assets | 0.5544% | 4,438 |
| Return on assets (ROA) | 0.5544% | 4,511 |
| Pretax return on assets | 0.9333% | 3,582 |
| Return on Equity (ROE) | 6.2952% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.2952% | 2,383 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3347% | 2,435 |
| Assets per employee ($millions) | 5.9253% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,048 |
| Loan loss allowance to noncurrent loans | 651.6923% | 751 |
| Noncurrent assets plus other real estate owned to assets | 4.0033% | 587 |
| Noncurrent loans to loans | 0.2338% | 5,402 |
| Net loans and leases to total assets | 79.6729% | 590 |
| Net loans and leases to deposits | 91.1947% | 1,019 |
| Net loans and leases to core deposits | 143.0470% | 114 |
| Total domestic deposits to total assets | 87.3658% | 2,588 |
| Equity capital to assets | 8.8736% | 5,251 |
| Core capital (leverage) ratio | 8.6727% | 5,425 |
| Tier 1 risk-based capital ratio | 10.1494% | 6,439 |
| Total risk-based capital ratio | 11.3992% | 6,401 |
| Memoranda: | ||
| Average total assets | $170,997,500 | 3,390 |
| Average earning assets | $158,045,500 | 3,375 |
| Average equity | $15,059,000 | 3,852 |
| Average total loans | $136,393,500 | 2,792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2126% | 122 |
| Cost of funding earning assets | 1.3997% | 72 |
| Net interest margin | 4.8129% | 421 |
| Noninterest income to average assets | 0.1170% | 6,331 |
| Noninterest expense to average assets | 3.9241% | 953 |
| Loan and lease loss provision to assets | 0.1236% | 2,767 |
| Net operating income to assets | 0.3993% | 5,142 |
| Return on assets (ROA) | 0.4014% | 5,254 |
| Pretax return on assets | 0.5586% | 5,012 |
| Return on Equity (ROE) | 4.6532% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.6532% | 2,853 |
| Net charge-offs to loans | -0.0016% | 5,837 |
| Credit loss provision to net charge-offs | -10,450.0000% | 6,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2446% | 1,496 |
| Assets per employee ($millions) | 5.3175% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,189 |
| Loan loss allowance to noncurrent loans | 70.9438% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 3.7882% | 727 |
| Noncurrent loans to loans | 2.1149% | 1,867 |
| Net loans and leases to total assets | 77.4307% | 894 |
| Net loans and leases to deposits | 88.5999% | 1,399 |
| Net loans and leases to core deposits | 142.4543% | 126 |
| Total domestic deposits to total assets | 87.3936% | 2,527 |
| Equity capital to assets | 8.7388% | 5,324 |
| Core capital (leverage) ratio | 8.4863% | 5,691 |
| Tier 1 risk-based capital ratio | 10.4908% | 6,368 |
| Total risk-based capital ratio | 11.7402% | 6,327 |
| Memoranda: | ||
| Average total assets | $169,161,800 | 3,420 |
| Average earning assets | $157,679,400 | 3,382 |
| Average equity | $14,592,200 | 3,946 |
| Average total loans | $124,933,600 | 2,940 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0572% | 159 |
| Cost of funding earning assets | 1.3959% | 76 |
| Net interest margin | 4.6614% | 551 |
| Noninterest income to average assets | 0.0868% | 6,518 |
| Noninterest expense to average assets | 3.9380% | 921 |
| Loan and lease loss provision to assets | 0.1105% | 2,924 |
| Net operating income to assets | 0.2359% | 5,821 |
| Return on assets (ROA) | 0.2384% | 5,900 |
| Pretax return on assets | 0.3915% | 5,647 |
| Return on Equity (ROE) | 2.7726% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.7726% | 4,657 |
| Net charge-offs to loans | -0.0022% | 5,689 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7722% | 1,107 |
| Assets per employee ($millions) | 5.1320% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,444 |
| Loan loss allowance to noncurrent loans | 68.5048% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 3.6685% | 898 |
| Noncurrent loans to loans | 2.1920% | 2,016 |
| Net loans and leases to total assets | 72.8541% | 1,474 |
| Net loans and leases to deposits | 82.7977% | 2,030 |
| Net loans and leases to core deposits | 132.6291% | 157 |
| Total domestic deposits to total assets | 87.9905% | 2,136 |
| Equity capital to assets | 8.1937% | 6,010 |
| Core capital (leverage) ratio | 8.2720% | 5,998 |
| Tier 1 risk-based capital ratio | 10.9810% | 6,291 |
| Total risk-based capital ratio | 12.2332% | 6,254 |
| Memoranda: | ||
| Average total assets | $168,912,250 | 3,468 |
| Average earning assets | $157,603,750 | 3,416 |
| Average equity | $14,522,750 | 4,006 |
| Average total loans | $122,726,250 | 3,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9276% | 201 |
| Cost of funding earning assets | 1.3917% | 85 |
| Net interest margin | 4.5359% | 667 |
| Noninterest income to average assets | 0.0910% | 6,554 |
| Noninterest expense to average assets | 3.9424% | 926 |
| Loan and lease loss provision to assets | 0.0838% | 3,402 |
| Net operating income to assets | 0.1698% | 5,977 |
| Return on assets (ROA) | 0.1736% | 6,081 |
| Pretax return on assets | 0.2849% | 5,912 |
| Return on Equity (ROE) | 1.9866% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.9866% | 5,008 |
| Net charge-offs to loans | -0.0017% | 5,519 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5740% | 927 |
| Assets per employee ($millions) | 5.9716% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,586 |
| Loan loss allowance to noncurrent loans | 65.9951% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 3.6962% | 1,001 |
| Noncurrent loans to loans | 2.2738% | 2,089 |
| Net loans and leases to total assets | 70.7656% | 1,756 |
| Net loans and leases to deposits | 80.3779% | 2,273 |
| Net loans and leases to core deposits | 125.0717% | 237 |
| Total domestic deposits to total assets | 88.0411% | 2,215 |
| Equity capital to assets | 8.1663% | 6,080 |
| Core capital (leverage) ratio | 8.5761% | 5,581 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,263 |
| Total risk-based capital ratio | 12.4106% | 6,237 |
| Memoranda: | ||
| Average total assets | $167,054,000 | 3,509 |
| Average earning assets | $155,206,670 | 3,476 |
| Average equity | $14,598,000 | 4,023 |
| Average total loans | $120,615,330 | 3,059 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8242% | 227 |
| Cost of funding earning assets | 1.3905% | 99 |
| Net interest margin | 4.4337% | 756 |
| Noninterest income to average assets | 0.0732% | 6,664 |
| Noninterest expense to average assets | 3.9416% | 953 |
| Loan and lease loss provision to assets | 0.0171% | 4,252 |
| Net operating income to assets | 0.1215% | 6,108 |
| Return on assets (ROA) | 0.1293% | 6,185 |
| Pretax return on assets | 0.2098% | 6,057 |
| Return on Equity (ROE) | 1.4299% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.4299% | 5,267 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8357% | 785 |
| Assets per employee ($millions) | 5.5308% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,696 |
| Loan loss allowance to noncurrent loans | 554.7692% | 784 |
| Noncurrent assets plus other real estate owned to assets | 2.3480% | 1,979 |
| Noncurrent loans to loans | 0.2761% | 5,712 |
| Net loans and leases to total assets | 69.8575% | 1,685 |
| Net loans and leases to deposits | 80.2947% | 2,037 |
| Net loans and leases to core deposits | 128.2315% | 189 |
| Total domestic deposits to total assets | 87.0014% | 2,961 |
| Equity capital to assets | 8.9444% | 5,562 |
| Core capital (leverage) ratio | 8.6897% | 5,342 |
| Tier 1 risk-based capital ratio | 11.5706% | 6,142 |
| Total risk-based capital ratio | 12.8230% | 6,116 |
| Memoranda: | ||
| Average total assets | $163,993,000 | 3,593 |
| Average earning assets | $151,024,000 | 3,574 |
| Average equity | $14,826,000 | 4,029 |
| Average total loans | $118,715,000 | 3,111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0348% | 250 |
| Cost of funding earning assets | 1.4766% | 185 |
| Net interest margin | 4.5582% | 840 |
| Noninterest income to average assets | 0.1092% | 6,469 |
| Noninterest expense to average assets | 3.7248% | 1,372 |
| Loan and lease loss provision to assets | 0.1557% | 3,664 |
| Net operating income to assets | 0.8234% | 3,166 |
| Return on assets (ROA) | 0.8321% | 3,382 |
| Pretax return on assets | 0.5125% | 5,245 |
| Return on Equity (ROE) | 9.6365% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.6365% | 671 |
| Net charge-offs to loans | 0.1757% | 3,972 |
| Credit loss provision to net charge-offs | 122.4390% | 2,331 |
| Earnings coverage of net charge-offs (x) | 5.1854% | 3,117 |
| Efficiency ratio | 84.9561% | 1,521 |
| Assets per employee ($millions) | 6.0023% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,745 |
| Loan loss allowance to noncurrent loans | 552.6154% | 752 |
| Noncurrent assets plus other real estate owned to assets | 2.4040% | 2,039 |
| Noncurrent loans to loans | 0.2715% | 5,805 |
| Net loans and leases to total assets | 72.7627% | 1,379 |
| Net loans and leases to deposits | 83.7958% | 1,777 |
| Net loans and leases to core deposits | 135.2650% | 151 |
| Total domestic deposits to total assets | 86.8334% | 2,921 |
| Equity capital to assets | 9.1392% | 5,350 |
| Core capital (leverage) ratio | 8.5233% | 5,579 |
| Tier 1 risk-based capital ratio | 11.4292% | 6,151 |
| Total risk-based capital ratio | 12.6820% | 6,117 |
| Memoranda: | ||
| Average total assets | $161,164,600 | 3,605 |
| Average earning assets | $151,157,000 | 3,529 |
| Average equity | $13,915,800 | 4,177 |
| Average total loans | $116,697,200 | 3,148 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8788% | 346 |
| Cost of funding earning assets | 1.4922% | 210 |
| Net interest margin | 4.3866% | 1,233 |
| Noninterest income to average assets | 0.0812% | 6,685 |
| Noninterest expense to average assets | 3.6675% | 1,419 |
| Loan and lease loss provision to assets | 0.1657% | 3,455 |
| Net operating income to assets | 0.3687% | 5,377 |
| Return on assets (ROA) | 0.3794% | 5,539 |
| Pretax return on assets | 0.3794% | 5,766 |
| Return on Equity (ROE) | 4.4599% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.4599% | 3,758 |
| Net charge-offs to loans | 0.0437% | 5,040 |
| Credit loss provision to net charge-offs | 526.3158% | 514 |
| Earnings coverage of net charge-offs (x) | 16.9722% | 1,648 |
| Efficiency ratio | 87.2831% | 1,275 |
| Assets per employee ($millions) | 6.5784% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,565 |
| Loan loss allowance to noncurrent loans | 279.1241% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 2.2762% | 2,342 |
| Noncurrent loans to loans | 0.5691% | 5,300 |
| Net loans and leases to total assets | 66.6948% | 2,521 |
| Net loans and leases to deposits | 75.4569% | 3,069 |
| Net loans and leases to core deposits | 119.0310% | 327 |
| Total domestic deposits to total assets | 88.3880% | 1,794 |
| Equity capital to assets | 7.8719% | 6,653 |
| Core capital (leverage) ratio | 8.7383% | 5,416 |
| Tier 1 risk-based capital ratio | 11.1854% | 6,400 |
| Total risk-based capital ratio | 12.4387% | 6,368 |
| Memoranda: | ||
| Average total assets | $160,940,500 | 3,636 |
| Average earning assets | $151,184,250 | 3,566 |
| Average equity | $13,692,000 | 4,263 |
| Average total loans | $115,942,500 | 3,202 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9051% | 340 |
| Cost of funding earning assets | 1.5705% | 174 |
| Net interest margin | 4.3346% | 1,382 |
| Noninterest income to average assets | 0.0734% | 6,784 |
| Noninterest expense to average assets | 3.7250% | 1,330 |
| Loan and lease loss provision to assets | 0.1609% | 3,502 |
| Net operating income to assets | 0.2587% | 5,736 |
| Return on assets (ROA) | 0.2729% | 5,892 |
| Pretax return on assets | 0.2729% | 6,016 |
| Return on Equity (ROE) | 3.1187% | 5,643 |
| Retained earnings to average equity (ytd only) | 3.1187% | 4,553 |
| Net charge-offs to loans | 0.0105% | 5,313 |
| Credit loss provision to net charge-offs | 2,083.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 682 |
| Efficiency ratio | 89.8758% | 1,080 |
| Assets per employee ($millions) | 6.0232% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,656 |
| Loan loss allowance to noncurrent loans | 474.3655% | 759 |
| Noncurrent assets plus other real estate owned to assets | 2.4917% | 2,244 |
| Noncurrent loans to loans | 0.3340% | 5,880 |
| Net loans and leases to total assets | 77.1005% | 834 |
| Net loans and leases to deposits | 89.0541% | 1,248 |
| Net loans and leases to core deposits | 144.0994% | 126 |
| Total domestic deposits to total assets | 86.5772% | 3,029 |
| Equity capital to assets | 9.1154% | 5,568 |
| Core capital (leverage) ratio | 8.7762% | 5,258 |
| Tier 1 risk-based capital ratio | 11.2604% | 6,364 |
| Total risk-based capital ratio | 12.5144% | 6,340 |
| Memoranda: | ||
| Average total assets | $155,381,330 | 3,748 |
| Average earning assets | $145,941,670 | 3,682 |
| Average equity | $13,595,330 | 4,279 |
| Average total loans | $114,465,330 | 3,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6699% | 547 |
| Cost of funding earning assets | 1.6061% | 184 |
| Net interest margin | 4.0638% | 2,240 |
| Noninterest income to average assets | 0.0634% | 6,881 |
| Noninterest expense to average assets | 3.5593% | 1,648 |
| Loan and lease loss provision to assets | 0.1394% | 3,614 |
| Net operating income to assets | 0.1876% | 6,020 |
| Return on assets (ROA) | 0.2028% | 6,124 |
| Pretax return on assets | 0.2028% | 6,197 |
| Return on Equity (ROE) | 2.3651% | 5,958 |
| Retained earnings to average equity (ytd only) | 2.3651% | 5,080 |
| Net charge-offs to loans | 0.0213% | 4,389 |
| Credit loss provision to net charge-offs | 916.6667% | 384 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,150 |
| Efficiency ratio | 91.5851% | 972 |
| Assets per employee ($millions) | 6.5426% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 3,796 |
| Loan loss allowance to noncurrent loans | 499.7222% | 686 |
| Noncurrent assets plus other real estate owned to assets | 2.3678% | 2,512 |
| Noncurrent loans to loans | 0.3167% | 6,045 |
| Net loans and leases to total assets | 71.2378% | 1,531 |
| Net loans and leases to deposits | 82.3801% | 1,878 |
| Net loans and leases to core deposits | 138.5062% | 155 |
| Total domestic deposits to total assets | 86.4745% | 3,259 |
| Equity capital to assets | 8.6090% | 5,986 |
| Core capital (leverage) ratio | 8.5535% | 5,507 |
| Tier 1 risk-based capital ratio | 11.4165% | 6,331 |
| Total risk-based capital ratio | 12.6699% | 6,310 |
| Memoranda: | ||
| Average total assets | $157,782,000 | 3,725 |
| Average earning assets | $148,433,500 | 3,651 |
| Average equity | $13,530,000 | 4,297 |
| Average total loans | $112,714,500 | 3,303 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0458% | 400 |
| Cost of funding earning assets | 1.8610% | 174 |
| Net interest margin | 4.1848% | 2,110 |
| Noninterest income to average assets | 0.0794% | 6,719 |
| Noninterest expense to average assets | 3.3839% | 2,283 |
| Loan and lease loss provision to assets | 0.2641% | 3,579 |
| Net operating income to assets | 0.5106% | 4,369 |
| Return on assets (ROA) | 0.5230% | 4,537 |
| Pretax return on assets | 0.3669% | 5,383 |
| Return on Equity (ROE) | 6.2220% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.2220% | 1,896 |
| Net charge-offs to loans | 0.0607% | 5,694 |
| Credit loss provision to net charge-offs | 597.0588% | 382 |
| Earnings coverage of net charge-offs (x) | 13.9853% | 1,498 |
| Efficiency ratio | 84.5441% | 1,704 |
| Assets per employee ($millions) | 6.6059% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 3,726 |
| Loan loss allowance to noncurrent loans | 475.5435% | 720 |
| Noncurrent assets plus other real estate owned to assets | 2.3540% | 2,568 |
| Noncurrent loans to loans | 0.3292% | 6,071 |
| Net loans and leases to total assets | 69.3955% | 2,143 |
| Net loans and leases to deposits | 79.9531% | 2,523 |
| Net loans and leases to core deposits | 131.4343% | 221 |
| Total domestic deposits to total assets | 86.7953% | 2,880 |
| Equity capital to assets | 8.5416% | 6,086 |
| Core capital (leverage) ratio | 8.4242% | 5,679 |
| Tier 1 risk-based capital ratio | 11.5953% | 6,100 |
| Total risk-based capital ratio | 12.8481% | 6,082 |
| Memoranda: | ||
| Average total assets | $153,726,600 | 3,741 |
| Average earning assets | $144,116,200 | 3,673 |
| Average equity | $12,921,800 | 4,349 |
| Average total loans | $112,088,200 | 3,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0631% | 415 |
| Cost of funding earning assets | 1.9094% | 174 |
| Net interest margin | 4.1537% | 2,263 |
| Noninterest income to average assets | 0.0761% | 6,860 |
| Noninterest expense to average assets | 3.3769% | 2,257 |
| Loan and lease loss provision to assets | 0.3549% | 2,747 |
| Net operating income to assets | 0.3951% | 5,024 |
| Return on assets (ROA) | 0.4021% | 5,177 |
| Pretax return on assets | 0.2421% | 5,821 |
| Return on Equity (ROE) | 4.8040% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.8040% | 3,309 |
| Net charge-offs to loans | 0.0820% | 5,156 |
| Credit loss provision to net charge-offs | 588.4058% | 462 |
| Earnings coverage of net charge-offs (x) | 9.7824% | 2,004 |
| Efficiency ratio | 85.1256% | 1,625 |
| Assets per employee ($millions) | 7.1806% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 3,756 |
| Loan loss allowance to noncurrent loans | 475.2717% | 677 |
| Noncurrent assets plus other real estate owned to assets | 2.4055% | 2,679 |
| Noncurrent loans to loans | 0.3324% | 6,185 |
| Net loans and leases to total assets | 68.9702% | 2,283 |
| Net loans and leases to deposits | 79.3861% | 2,747 |
| Net loans and leases to core deposits | 133.0911% | 215 |
| Total domestic deposits to total assets | 86.8795% | 2,726 |
| Equity capital to assets | 8.3653% | 6,425 |
| Core capital (leverage) ratio | 8.1945% | 6,138 |
| Tier 1 risk-based capital ratio | 11.3163% | 6,348 |
| Total risk-based capital ratio | 12.5692% | 6,342 |
| Memoranda: | ||
| Average total assets | $152,522,750 | 3,784 |
| Average earning assets | $142,871,750 | 3,720 |
| Average equity | $12,766,750 | 4,392 |
| Average total loans | $112,167,500 | 3,369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2283% | 317 |
| Cost of funding earning assets | 1.9492% | 170 |
| Net interest margin | 4.2792% | 1,738 |
| Noninterest income to average assets | 0.0836% | 6,907 |
| Noninterest expense to average assets | 3.2806% | 2,631 |
| Loan and lease loss provision to assets | 0.4857% | 2,033 |
| Net operating income to assets | 0.3291% | 5,251 |
| Return on assets (ROA) | 0.3358% | 5,363 |
| Pretax return on assets | 0.3358% | 5,581 |
| Return on Equity (ROE) | 4.0104% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.0104% | 3,647 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1037% | 2,375 |
| Assets per employee ($millions) | 6.8230% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 3,522 |
| Loan loss allowance to noncurrent loans | 2,116.6667% | 202 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 2,938 |
| Noncurrent loans to loans | 0.0776% | 6,789 |
| Net loans and leases to total assets | 67.8702% | 2,647 |
| Net loans and leases to deposits | 77.9348% | 3,131 |
| Net loans and leases to core deposits | 136.2762% | 210 |
| Total domestic deposits to total assets | 87.0859% | 2,695 |
| Equity capital to assets | 8.1661% | 6,542 |
| Core capital (leverage) ratio | 8.2709% | 5,913 |
| Tier 1 risk-based capital ratio | 11.4442% | 6,211 |
| Total risk-based capital ratio | 12.6981% | 6,197 |
| Memoranda: | ||
| Average total assets | $150,705,670 | 3,834 |
| Average earning assets | $141,289,670 | 3,771 |
| Average equity | $12,617,330 | 4,413 |
| Average total loans | $112,655,330 | 3,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2268% | 320 |
| Cost of funding earning assets | 1.9513% | 202 |
| Net interest margin | 4.2755% | 1,646 |
| Noninterest income to average assets | 0.0732% | 7,025 |
| Noninterest expense to average assets | 3.1085% | 3,210 |
| Loan and lease loss provision to assets | 0.4661% | 1,887 |
| Net operating income to assets | 0.5068% | 4,464 |
| Return on assets (ROA) | 0.5068% | 4,548 |
| Pretax return on assets | 0.5068% | 5,003 |
| Return on Equity (ROE) | 5.9752% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.9752% | 2,655 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1620% | 3,136 |
| Assets per employee ($millions) | 6.5673% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,875 |
| Loan loss allowance to noncurrent loans | 1,779.7753% | 240 |
| Noncurrent assets plus other real estate owned to assets | 2.3224% | 2,926 |
| Noncurrent loans to loans | 0.0762% | 6,848 |
| Net loans and leases to total assets | 76.2898% | 990 |
| Net loans and leases to deposits | 89.0231% | 1,347 |
| Net loans and leases to core deposits | 157.4507% | 135 |
| Total domestic deposits to total assets | 85.6967% | 3,694 |
| Equity capital to assets | 8.3139% | 6,146 |
| Core capital (leverage) ratio | 8.8819% | 4,803 |
| Tier 1 risk-based capital ratio | 10.5943% | 6,753 |
| Total risk-based capital ratio | 11.8453% | 6,733 |
| Memoranda: | ||
| Average total assets | $147,594,000 | 3,922 |
| Average earning assets | $138,370,500 | 3,851 |
| Average equity | $12,518,500 | 4,446 |
| Average total loans | $114,840,000 | 3,371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4383% | 347 |
| Cost of funding earning assets | 2.3554% | 181 |
| Net interest margin | 4.0829% | 2,647 |
| Noninterest income to average assets | 0.0725% | 7,019 |
| Noninterest expense to average assets | 3.4943% | 2,195 |
| Loan and lease loss provision to assets | 0.2628% | 4,692 |
| Net operating income to assets | 0.3155% | 4,882 |
| Return on assets (ROA) | 0.3207% | 5,027 |
| Pretax return on assets | 0.1098% | 5,682 |
| Return on Equity (ROE) | 3.5329% | 4,735 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,384 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4834% | 1,286 |
| Assets per employee ($millions) | 6.5518% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,254 |
| Loan loss allowance to noncurrent loans | 1,518.2796% | 260 |
| Noncurrent assets plus other real estate owned to assets | 2.4365% | 2,841 |
| Noncurrent loans to loans | 0.0824% | 6,927 |
| Net loans and leases to total assets | 77.3205% | 1,045 |
| Net loans and leases to deposits | 95.5709% | 904 |
| Net loans and leases to core deposits | 168.2655% | 124 |
| Total domestic deposits to total assets | 80.9038% | 5,548 |
| Equity capital to assets | 8.6576% | 5,646 |
| Core capital (leverage) ratio | 8.8229% | 4,821 |
| Tier 1 risk-based capital ratio | 10.7905% | 6,499 |
| Total risk-based capital ratio | 11.9981% | 6,500 |
| Memoranda: | ||
| Average total assets | $136,592,800 | 4,125 |
| Average earning assets | $126,773,400 | 4,088 |
| Average equity | $12,397,600 | 4,506 |
| Average total loans | $106,436,200 | 3,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4512% | 375 |
| Cost of funding earning assets | 2.3596% | 221 |
| Net interest margin | 4.0916% | 2,663 |
| Noninterest income to average assets | 0.0614% | 7,221 |
| Noninterest expense to average assets | 3.2217% | 2,853 |
| Loan and lease loss provision to assets | 0.5473% | 2,758 |
| Net operating income to assets | 0.0802% | 5,820 |
| Return on assets (ROA) | 0.0871% | 5,943 |
| Pretax return on assets | 0.0871% | 5,935 |
| Return on Equity (ROE) | 0.9479% | 5,905 |
| Retained earnings to average equity (ytd only) | 0.9479% | 5,425 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6976% | 1,866 |
| Assets per employee ($millions) | 6.4804% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,873 |
| Loan loss allowance to noncurrent loans | 6,982.6087% | 55 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 2,605 |
| Noncurrent loans to loans | 0.0218% | 7,205 |
| Net loans and leases to total assets | 76.5058% | 1,314 |
| Net loans and leases to deposits | 91.2386% | 1,544 |
| Net loans and leases to core deposits | 156.7044% | 162 |
| Total domestic deposits to total assets | 83.8525% | 4,210 |
| Equity capital to assets | 9.1683% | 5,354 |
| Core capital (leverage) ratio | 8.8719% | 4,890 |
| Tier 1 risk-based capital ratio | 11.1402% | 6,247 |
| Total risk-based capital ratio | 12.3751% | 6,256 |
| Memoranda: | ||
| Average total assets | $134,706,250 | 4,217 |
| Average earning assets | $124,707,500 | 4,195 |
| Average equity | $12,377,250 | 4,578 |
| Average total loans | $104,830,000 | 3,715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6194% | 283 |
| Cost of funding earning assets | 2.4052% | 234 |
| Net interest margin | 4.2143% | 2,113 |
| Noninterest income to average assets | 0.0581% | 7,295 |
| Noninterest expense to average assets | 3.1465% | 3,113 |
| Loan and lease loss provision to assets | 0.7240% | 2,014 |
| Net operating income to assets | 0.0849% | 5,909 |
| Return on assets (ROA) | 0.0953% | 5,994 |
| Pretax return on assets | 0.0953% | 5,988 |
| Return on Equity (ROE) | 1.0369% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.0369% | 5,353 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5480% | 2,501 |
| Assets per employee ($millions) | 6.8693% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,935 |
| Loan loss allowance to noncurrent loans | 6,156.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 2.7463% | 2,635 |
| Noncurrent loans to loans | 0.0244% | 7,263 |
| Net loans and leases to total assets | 73.5415% | 2,016 |
| Net loans and leases to deposits | 90.1374% | 1,831 |
| Net loans and leases to core deposits | 158.3199% | 175 |
| Total domestic deposits to total assets | 81.5882% | 5,155 |
| Equity capital to assets | 9.0483% | 5,371 |
| Core capital (leverage) ratio | 9.2479% | 4,213 |
| Tier 1 risk-based capital ratio | 11.3873% | 5,879 |
| Total risk-based capital ratio | 12.6215% | 5,868 |
| Memoranda: | ||
| Average total assets | $134,245,330 | 4,256 |
| Average earning assets | $124,150,000 | 4,224 |
| Average equity | $12,344,000 | 4,587 |
| Average total loans | $104,532,670 | 3,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0270% | 169 |
| Cost of funding earning assets | 2.4780% | 238 |
| Net interest margin | 4.5490% | 1,049 |
| Noninterest income to average assets | 0.0633% | 7,404 |
| Noninterest expense to average assets | 3.1053% | 3,244 |
| Loan and lease loss provision to assets | 1.0040% | 1,240 |
| Net operating income to assets | 0.1658% | 5,803 |
| Return on assets (ROA) | 0.1658% | 5,932 |
| Pretax return on assets | 0.1658% | 5,981 |
| Return on Equity (ROE) | 1.7885% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.7885% | 5,043 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6375% | 3,820 |
| Assets per employee ($millions) | 6.5440% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,887 |
| Loan loss allowance to noncurrent loans | 4,779.3103% | 72 |
| Noncurrent assets plus other real estate owned to assets | 2.7484% | 2,645 |
| Noncurrent loans to loans | 0.0274% | 7,346 |
| Net loans and leases to total assets | 76.0630% | 1,533 |
| Net loans and leases to deposits | 91.6350% | 1,667 |
| Net loans and leases to core deposits | 184.5871% | 123 |
| Total domestic deposits to total assets | 83.0065% | 4,625 |
| Equity capital to assets | 8.9927% | 5,290 |
| Core capital (leverage) ratio | 9.2742% | 4,096 |
| Tier 1 risk-based capital ratio | 11.1451% | 6,010 |
| Total risk-based capital ratio | 12.3794% | 5,995 |
| Memoranda: | ||
| Average total assets | $132,675,500 | 4,347 |
| Average earning assets | $122,840,000 | 4,306 |
| Average equity | $12,300,500 | 4,636 |
| Average total loans | $105,512,000 | 3,791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4470% | 743 |
| Cost of funding earning assets | 2.7096% | 568 |
| Net interest margin | 3.7374% | 3,963 |
| Noninterest income to average assets | 0.0827% | 7,339 |
| Noninterest expense to average assets | 3.4563% | 2,503 |
| Loan and lease loss provision to assets | 0.2994% | 5,040 |
| Net operating income to assets | -0.1473% | 5,762 |
| Return on assets (ROA) | -0.1473% | 5,759 |
| Pretax return on assets | -0.1473% | 5,639 |
| Return on Equity (ROE) | -1.5344% | 5,783 |
| Retained earnings to average equity (ytd only) | -1.5344% | 5,397 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7850% | 1,324 |
| Assets per employee ($millions) | 6.7331% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 6,370 |
| Loan loss allowance to noncurrent loans | 3,190.9091% | 130 |
| Noncurrent assets plus other real estate owned to assets | 2.9548% | 2,373 |
| Noncurrent loans to loans | 0.0314% | 7,351 |
| Net loans and leases to total assets | 81.3403% | 788 |
| Net loans and leases to deposits | 99.3498% | 959 |
| Net loans and leases to core deposits | 197.0777% | 111 |
| Total domestic deposits to total assets | 81.8726% | 5,007 |
| Equity capital to assets | 9.5702% | 4,322 |
| Core capital (leverage) ratio | 10.1822% | 2,906 |
| Tier 1 risk-based capital ratio | 11.1459% | 5,784 |
| Total risk-based capital ratio | 12.1095% | 6,023 |
| Memoranda: | ||
| Average total assets | $105,199,000 | 4,954 |
| Average earning assets | $99,239,800 | 4,859 |
| Average equity | $10,101,400 | 5,269 |
| Average total loans | $81,803,200 | 4,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3948% | 935 |
| Cost of funding earning assets | 2.7442% | 700 |
| Net interest margin | 3.6505% | 4,270 |
| Noninterest income to average assets | 0.0884% | 7,455 |
| Noninterest expense to average assets | 3.5960% | 2,034 |
| Loan and lease loss provision to assets | 0.1742% | 5,621 |
| Net operating income to assets | -0.2117% | 6,085 |
| Return on assets (ROA) | -0.2103% | 6,090 |
| Pretax return on assets | -0.2103% | 5,993 |
| Return on Equity (ROE) | -2.1883% | 6,117 |
| Retained earnings to average equity (ytd only) | -2.1883% | 5,755 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0542% | 1,016 |
| Assets per employee ($millions) | 6.3382% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,240 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 2.7220% | 2,552 |
| Noncurrent loans to loans | 0.3904% | 6,563 |
| Net loans and leases to total assets | 79.0794% | 1,372 |
| Net loans and leases to deposits | 105.2600% | 695 |
| Net loans and leases to core deposits | 186.2674% | 150 |
| Total domestic deposits to total assets | 75.1276% | 6,747 |
| Equity capital to assets | 9.5972% | 4,624 |
| Core capital (leverage) ratio | 9.7503% | 3,571 |
| Tier 1 risk-based capital ratio | 11.5973% | 5,346 |
| Total risk-based capital ratio | 12.5863% | 5,544 |
| Memoranda: | ||
| Average total assets | $99,516,750 | 5,132 |
| Average earning assets | $94,595,750 | 5,020 |
| Average equity | $9,566,000 | 5,470 |
| Average total loans | $75,976,500 | 4,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 1,201 |
| Cost of funding earning assets | 2.8018% | 786 |
| Net interest margin | 3.5006% | 4,797 |
| Noninterest income to average assets | 0.0847% | 7,554 |
| Noninterest expense to average assets | 3.6891% | 1,863 |
| Loan and lease loss provision to assets | 0.0827% | 6,352 |
| Net operating income to assets | -0.3431% | 6,385 |
| Return on assets (ROA) | -0.3431% | 6,398 |
| Pretax return on assets | -0.3431% | 6,278 |
| Return on Equity (ROE) | -3.5670% | 6,428 |
| Retained earnings to average equity (ytd only) | -3.5670% | 6,056 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5949% | 920 |
| Assets per employee ($millions) | 5.8886% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,152 |
| Loan loss allowance to noncurrent loans | 229.4985% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 2.9329% | 2,174 |
| Noncurrent loans to loans | 0.4403% | 6,420 |
| Net loans and leases to total assets | 76.1415% | 2,149 |
| Net loans and leases to deposits | 96.9832% | 1,656 |
| Net loans and leases to core deposits | 167.9587% | 347 |
| Total domestic deposits to total assets | 78.5100% | 5,952 |
| Equity capital to assets | 10.5747% | 3,319 |
| Core capital (leverage) ratio | 10.2723% | 3,020 |
| Tier 1 risk-based capital ratio | 12.9584% | 4,178 |
| Total risk-based capital ratio | 13.9498% | 4,274 |
| Memoranda: | ||
| Average total assets | $96,772,330 | 5,255 |
| Average earning assets | $92,441,000 | 5,107 |
| Average equity | $9,307,670 | 5,578 |
| Average total loans | $72,610,000 | 4,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1740% | 1,676 |
| Cost of funding earning assets | 2.7687% | 1,063 |
| Net interest margin | 3.4053% | 5,118 |
| Noninterest income to average assets | 0.1051% | 7,512 |
| Noninterest expense to average assets | 3.5540% | 1,964 |
| Loan and lease loss provision to assets | 0.0421% | 6,445 |
| Net operating income to assets | -0.2061% | 6,561 |
| Return on assets (ROA) | -0.2061% | 6,646 |
| Pretax return on assets | -0.2061% | 6,580 |
| Return on Equity (ROE) | -2.2611% | 6,691 |
| Retained earnings to average equity (ytd only) | -2.2611% | 6,151 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8387% | 957 |
| Assets per employee ($millions) | 6.1819% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 6,026 |
| Loan loss allowance to noncurrent loans | 138.0074% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 5,403 |
| Noncurrent loans to loans | 0.7403% | 5,581 |
| Net loans and leases to total assets | 73.2679% | 2,946 |
| Net loans and leases to deposits | 91.3802% | 2,715 |
| Net loans and leases to core deposits | 168.0620% | 372 |
| Total domestic deposits to total assets | 80.1792% | 5,297 |
| Equity capital to assets | 8.7412% | 5,705 |
| Core capital (leverage) ratio | 8.9241% | 4,832 |
| Tier 1 risk-based capital ratio | 11.4044% | 5,502 |
| Total risk-based capital ratio | 12.4096% | 5,670 |
| Memoranda: | ||
| Average total assets | $95,105,000 | 5,327 |
| Average earning assets | $91,739,000 | 5,156 |
| Average equity | $8,668,500 | 5,824 |
| Average total loans | $70,414,500 | 4,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3424% | 3,722 |
| Cost of funding earning assets | 3.3151% | 881 |
| Net interest margin | 3.0273% | 6,842 |
| Noninterest income to average assets | 0.1922% | 7,081 |
| Noninterest expense to average assets | 3.4481% | 2,531 |
| Loan and lease loss provision to assets | 0.1736% | 5,167 |
| Net operating income to assets | -0.5635% | 6,971 |
| Return on assets (ROA) | -0.5624% | 6,858 |
| Pretax return on assets | -0.5624% | 6,702 |
| Return on Equity (ROE) | -5.8212% | 6,949 |
| Retained earnings to average equity (ytd only) | -5.8212% | 6,644 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7514% | 658 |
| Assets per employee ($millions) | 5.7062% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,340 |
| Loan loss allowance to noncurrent loans | 1,604.3478% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,708 |
| Noncurrent loans to loans | 0.0680% | 7,230 |
| Net loans and leases to total assets | 73.2461% | 3,297 |
| Net loans and leases to deposits | 97.3675% | 2,218 |
| Net loans and leases to core deposits | 181.6165% | 270 |
| Total domestic deposits to total assets | 75.2265% | 6,396 |
| Equity capital to assets | 9.5193% | 4,659 |
| Core capital (leverage) ratio | 9.8810% | 3,565 |
| Tier 1 risk-based capital ratio | 12.5443% | 4,409 |
| Total risk-based capital ratio | 13.6291% | 4,423 |
| Memoranda: | ||
| Average total assets | $91,035,400 | 5,322 |
| Average earning assets | $86,181,400 | 5,226 |
| Average equity | $8,795,400 | 5,811 |
| Average total loans | $60,636,200 | 5,236 |