Home > Mountain Pacific Bank > Performance and Condition Ratios
Mountain Pacific Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3328% | 232 |
| Cost of funding earning assets | 2.5411% | 792 |
| Net interest margin | 4.7917% | 416 |
| Noninterest income to average assets | 0.4300% | 2,064 |
| Noninterest expense to average assets | 2.4543% | 2,443 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 1.8904% | 541 |
| Return on assets (ROA) | 1.8904% | 541 |
| Pretax return on assets | 2.3933% | 370 |
| Return on Equity (ROE) | 18.0900% | 636 |
| Retained earnings to average equity (ytd only) | 18.0877% | 236 |
| Net charge-offs to loans | -0.0012% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.0736% | 3,954 |
| Assets per employee ($millions) | 8.5414% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 515 |
| Loan loss allowance to noncurrent loans | 231.4937% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 1,147 |
| Noncurrent loans to loans | 0.7889% | 1,319 |
| Net loans and leases to total assets | 81.4200% | 464 |
| Net loans and leases to deposits | 102.0235% | 338 |
| Net loans and leases to core deposits | 125.9244% | 405 |
| Total domestic deposits to total assets | 79.8100% | 3,621 |
| Equity capital to assets | 10.6537% | 1,837 |
| Core capital (leverage) ratio | 11.0970% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9309% | 1,888 |
| Memoranda: | ||
| Average total assets | $807,251,500 | 1,227 |
| Average earning assets | $769,912,500 | 1,201 |
| Average equity | $84,366,500 | 1,188 |
| Average total loans | $657,908,000 | 1,081 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6996% | 561 |
| Cost of funding earning assets | 2.7282% | 802 |
| Net interest margin | 3.9715% | 1,229 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 2.5721% | 2,098 |
| Loan and lease loss provision to assets | 0.2700% | 458 |
| Net operating income to assets | 1.1444% | 1,629 |
| Return on assets (ROA) | 1.1444% | 1,640 |
| Pretax return on assets | 1.4485% | 1,387 |
| Return on Equity (ROE) | 10.7000% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.7004% | 482 |
| Net charge-offs to loans | -0.0163% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 59.9133% | 3,176 |
| Assets per employee ($millions) | 8.1118% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 515 |
| Loan loss allowance to noncurrent loans | 168.3180% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 812 |
| Noncurrent loans to loans | 1.0802% | 937 |
| Net loans and leases to total assets | 78.5900% | 826 |
| Net loans and leases to deposits | 99.5646% | 509 |
| Net loans and leases to core deposits | 127.8034% | 407 |
| Total domestic deposits to total assets | 78.9300% | 3,676 |
| Equity capital to assets | 10.2463% | 1,995 |
| Core capital (leverage) ratio | 10.6241% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6804% | 1,979 |
| Memoranda: | ||
| Average total assets | $725,258,000 | 1,314 |
| Average earning assets | $689,367,800 | 1,292 |
| Average equity | $77,567,000 | 1,232 |
| Average total loans | $605,868,200 | 1,125 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6987% | 539 |
| Cost of funding earning assets | 2.6970% | 848 |
| Net interest margin | 4.0017% | 1,141 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.6318% | 1,873 |
| Loan and lease loss provision to assets | 0.2900% | 363 |
| Net operating income to assets | 1.1051% | 1,741 |
| Return on assets (ROA) | 1.1051% | 1,750 |
| Pretax return on assets | 1.3988% | 1,511 |
| Return on Equity (ROE) | 10.2100% | 2,130 |
| Retained earnings to average equity (ytd only) | 10.2108% | 807 |
| Net charge-offs to loans | -0.0324% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.9769% | 3,054 |
| Assets per employee ($millions) | 8.1867% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 551 |
| Loan loss allowance to noncurrent loans | 160.5578% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 755 |
| Noncurrent loans to loans | 1.1181% | 887 |
| Net loans and leases to total assets | 79.3700% | 708 |
| Net loans and leases to deposits | 99.1842% | 531 |
| Net loans and leases to core deposits | 126.0066% | 459 |
| Total domestic deposits to total assets | 80.0200% | 3,457 |
| Equity capital to assets | 10.2662% | 2,120 |
| Core capital (leverage) ratio | 10.8940% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4228% | 2,107 |
| Memoranda: | ||
| Average total assets | $705,805,750 | 1,326 |
| Average earning assets | $670,258,250 | 1,307 |
| Average equity | $76,387,500 | 1,239 |
| Average total loans | $596,628,750 | 1,126 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6587% | 532 |
| Cost of funding earning assets | 2.6430% | 854 |
| Net interest margin | 4.0157% | 1,091 |
| Noninterest income to average assets | 0.3800% | 2,498 |
| Noninterest expense to average assets | 2.6274% | 1,871 |
| Loan and lease loss provision to assets | 0.3100% | 315 |
| Net operating income to assets | 0.9944% | 2,013 |
| Return on assets (ROA) | 0.9944% | 2,017 |
| Pretax return on assets | 1.2584% | 1,798 |
| Return on Equity (ROE) | 9.0100% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.0117% | 1,098 |
| Net charge-offs to loans | -0.0369% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 62.6670% | 2,922 |
| Assets per employee ($millions) | 7.5216% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 610 |
| Loan loss allowance to noncurrent loans | 150.7119% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 580 |
| Noncurrent loans to loans | 1.1562% | 783 |
| Net loans and leases to total assets | 87.0400% | 113 |
| Net loans and leases to deposits | 111.2735% | 192 |
| Net loans and leases to core deposits | 133.7782% | 348 |
| Total domestic deposits to total assets | 78.2200% | 3,680 |
| Equity capital to assets | 10.9863% | 1,579 |
| Core capital (leverage) ratio | 11.2617% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8968% | 2,291 |
| Memoranda: | ||
| Average total assets | $681,827,667 | 1,356 |
| Average earning assets | $647,366,667 | 1,329 |
| Average equity | $75,235,333 | 1,246 |
| Average total loans | $585,991,333 | 1,145 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4212% | 634 |
| Cost of funding earning assets | 2.5480% | 909 |
| Net interest margin | 3.8732% | 1,261 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.5439% | 2,121 |
| Loan and lease loss provision to assets | 0.3500% | 254 |
| Net operating income to assets | 0.7964% | 2,549 |
| Return on assets (ROA) | 0.7964% | 2,565 |
| Pretax return on assets | 1.0265% | 2,314 |
| Return on Equity (ROE) | 7.2000% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.2016% | 1,767 |
| Net charge-offs to loans | 0.0098% | 1,725 |
| Credit loss provision to net charge-offs | 4,221.4286% | 108 |
| Earnings coverage of net charge-offs (x) | 164.8571% | 476 |
| Efficiency ratio | 64.9666% | 2,689 |
| Assets per employee ($millions) | 7.9292% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 583 |
| Loan loss allowance to noncurrent loans | 81.5846% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 164 |
| Noncurrent loans to loans | 2.1623% | 291 |
| Net loans and leases to total assets | 84.4800% | 236 |
| Net loans and leases to deposits | 105.9338% | 280 |
| Net loans and leases to core deposits | 126.7570% | 467 |
| Total domestic deposits to total assets | 79.7500% | 3,558 |
| Equity capital to assets | 11.1242% | 1,458 |
| Core capital (leverage) ratio | 11.2484% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4164% | 2,106 |
| Memoranda: | ||
| Average total assets | $672,988,000 | 1,381 |
| Average earning assets | $639,880,500 | 1,345 |
| Average equity | $74,428,000 | 1,251 |
| Average total loans | $569,171,500 | 1,169 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3117% | 428 |
| Cost of funding earning assets | 1.8612% | 1,139 |
| Net interest margin | 4.4505% | 659 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.7854% | 1,542 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.5459% | 943 |
| Return on assets (ROA) | 1.5459% | 912 |
| Pretax return on assets | 1.9431% | 728 |
| Return on Equity (ROE) | 13.6900% | 1,558 |
| Retained earnings to average equity (ytd only) | 13.6865% | 430 |
| Net charge-offs to loans | -0.0131% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.5872% | 3,337 |
| Assets per employee ($millions) | 8.1951% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 620 |
| Loan loss allowance to noncurrent loans | 150.8599% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 448 |
| Noncurrent loans to loans | 1.1447% | 632 |
| Net loans and leases to total assets | 81.7100% | 458 |
| Net loans and leases to deposits | 102.4347% | 416 |
| Net loans and leases to core deposits | 121.4222% | 582 |
| Total domestic deposits to total assets | 79.7700% | 3,498 |
| Equity capital to assets | 10.9942% | 1,481 |
| Core capital (leverage) ratio | 11.2366% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6919% | 1,990 |
| Memoranda: | ||
| Average total assets | $605,477,800 | 1,464 |
| Average earning assets | $577,312,400 | 1,428 |
| Average equity | $68,388,800 | 1,272 |
| Average total loans | $519,720,600 | 1,193 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1846% | 428 |
| Cost of funding earning assets | 1.6296% | 1,317 |
| Net interest margin | 4.5550% | 571 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.8729% | 1,277 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.5639% | 994 |
| Return on assets (ROA) | 1.5639% | 990 |
| Pretax return on assets | 1.9801% | 770 |
| Return on Equity (ROE) | 13.7400% | 1,722 |
| Retained earnings to average equity (ytd only) | 13.7417% | 710 |
| Net charge-offs to loans | -0.0293% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.5341% | 3,264 |
| Assets per employee ($millions) | 7.7061% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 629 |
| Loan loss allowance to noncurrent loans | 150.4050% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 439 |
| Noncurrent loans to loans | 1.1644% | 675 |
| Net loans and leases to total assets | 83.6800% | 303 |
| Net loans and leases to deposits | 104.9888% | 321 |
| Net loans and leases to core deposits | 117.6152% | 618 |
| Total domestic deposits to total assets | 79.7000% | 3,572 |
| Equity capital to assets | 10.9050% | 1,384 |
| Core capital (leverage) ratio | 11.3749% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5379% | 2,066 |
| Memoranda: | ||
| Average total assets | $588,848,000 | 1,509 |
| Average earning assets | $561,271,000 | 1,462 |
| Average equity | $67,015,750 | 1,280 |
| Average total loans | $509,965,250 | 1,210 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0194% | 434 |
| Cost of funding earning assets | 1.2844% | 1,756 |
| Net interest margin | 4.7351% | 431 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.9721% | 1,086 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.3496% | 1,451 |
| Return on assets (ROA) | 1.3496% | 1,440 |
| Pretax return on assets | 1.7079% | 1,196 |
| Return on Equity (ROE) | 11.6700% | 2,254 |
| Retained earnings to average equity (ytd only) | 11.6735% | 1,048 |
| Net charge-offs to loans | 0.0052% | 2,076 |
| Credit loss provision to net charge-offs | 5,800.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 340 |
| Efficiency ratio | 60.1051% | 2,950 |
| Assets per employee ($millions) | 6.9994% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8113% | 594 |
| Loan loss allowance to noncurrent loans | 131.9951% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 314 |
| Noncurrent loans to loans | 1.3722% | 513 |
| Net loans and leases to total assets | 88.0700% | 78 |
| Net loans and leases to deposits | 119.7104% | 93 |
| Net loans and leases to core deposits | 128.1685% | 353 |
| Total domestic deposits to total assets | 73.5700% | 4,222 |
| Equity capital to assets | 11.3899% | 1,233 |
| Core capital (leverage) ratio | 11.9505% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2977% | 2,175 |
| Memoranda: | ||
| Average total assets | $569,358,667 | 1,558 |
| Average earning assets | $542,375,333 | 1,521 |
| Average equity | $65,824,333 | 1,293 |
| Average total loans | $496,175,333 | 1,225 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7466% | 450 |
| Cost of funding earning assets | 0.9289% | 2,280 |
| Net interest margin | 4.8177% | 361 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.7404% | 1,570 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.8212% | 643 |
| Return on assets (ROA) | 1.8212% | 630 |
| Pretax return on assets | 2.3063% | 476 |
| Return on Equity (ROE) | 15.6300% | 1,432 |
| Retained earnings to average equity (ytd only) | 15.6288% | 728 |
| Net charge-offs to loans | 0.0268% | 1,157 |
| Credit loss provision to net charge-offs | 465.6250% | 572 |
| Earnings coverage of net charge-offs (x) | 104.9375% | 768 |
| Efficiency ratio | 53.1725% | 3,687 |
| Assets per employee ($millions) | 7.0118% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8597% | 588 |
| Loan loss allowance to noncurrent loans | 100.9040% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.6175% | 184 |
| Noncurrent loans to loans | 1.8430% | 331 |
| Net loans and leases to total assets | 86.1300% | 128 |
| Net loans and leases to deposits | 103.2164% | 323 |
| Net loans and leases to core deposits | 108.1598% | 749 |
| Total domestic deposits to total assets | 83.4500% | 3,211 |
| Equity capital to assets | 12.0176% | 994 |
| Core capital (leverage) ratio | 12.3543% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3996% | 1,828 |
| Memoranda: | ||
| Average total assets | $556,563,000 | 1,608 |
| Average earning assets | $530,541,500 | 1,567 |
| Average equity | $64,854,500 | 1,316 |
| Average total loans | $477,432,500 | 1,271 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 602 |
| Cost of funding earning assets | 0.4198% | 1,943 |
| Net interest margin | 4.1919% | 546 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.4252% | 2,349 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 1.3739% | 1,200 |
| Return on assets (ROA) | 1.3739% | 1,157 |
| Pretax return on assets | 1.7392% | 842 |
| Return on Equity (ROE) | 13.6900% | 1,604 |
| Retained earnings to average equity (ytd only) | 13.6911% | 426 |
| Net charge-offs to loans | 0.1565% | 528 |
| Credit loss provision to net charge-offs | 241.7127% | 1,012 |
| Earnings coverage of net charge-offs (x) | 16.4558% | 1,978 |
| Efficiency ratio | 54.3297% | 3,769 |
| Assets per employee ($millions) | 7.0784% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 384 |
| Loan loss allowance to noncurrent loans | 136.0722% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 285 |
| Noncurrent loans to loans | 1.5242% | 425 |
| Net loans and leases to total assets | 82.0800% | 400 |
| Net loans and leases to deposits | 93.3748% | 819 |
| Net loans and leases to core deposits | 96.6783% | 1,164 |
| Total domestic deposits to total assets | 87.9000% | 2,105 |
| Equity capital to assets | 11.2912% | 1,147 |
| Core capital (leverage) ratio | 11.6408% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1921% | 1,904 |
| Memoranda: | ||
| Average total assets | $584,393,800 | 1,526 |
| Average earning assets | $559,131,800 | 1,477 |
| Average equity | $58,644,000 | 1,428 |
| Average total loans | $462,510,200 | 1,248 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 684 |
| Cost of funding earning assets | 0.3618% | 1,602 |
| Net interest margin | 3.9669% | 687 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4251% | 2,243 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.0891% | 2,146 |
| Return on assets (ROA) | 1.0891% | 2,109 |
| Pretax return on assets | 1.3825% | 1,769 |
| Return on Equity (ROE) | 11.1800% | 2,307 |
| Retained earnings to average equity (ytd only) | 11.1842% | 1,005 |
| Net charge-offs to loans | 0.1903% | 350 |
| Credit loss provision to net charge-offs | 235.5623% | 915 |
| Earnings coverage of net charge-offs (x) | 11.6641% | 1,939 |
| Efficiency ratio | 58.3311% | 3,346 |
| Assets per employee ($millions) | 7.3185% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 415 |
| Loan loss allowance to noncurrent loans | 129.0136% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 288 |
| Noncurrent loans to loans | 1.6230% | 414 |
| Net loans and leases to total assets | 78.5300% | 661 |
| Net loans and leases to deposits | 88.4509% | 1,002 |
| Net loans and leases to core deposits | 91.8942% | 1,185 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 10.4386% | 1,404 |
| Core capital (leverage) ratio | 10.7403% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6791% | 2,181 |
| Memoranda: | ||
| Average total assets | $590,694,750 | 1,513 |
| Average earning assets | $565,634,000 | 1,471 |
| Average equity | $57,520,250 | 1,460 |
| Average total loans | $460,962,000 | 1,245 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0760% | 815 |
| Cost of funding earning assets | 0.3564% | 1,214 |
| Net interest margin | 3.7196% | 881 |
| Noninterest income to average assets | 0.2853% | 3,467 |
| Noninterest expense to average assets | 2.3830% | 2,284 |
| Loan and lease loss provision to assets | 0.3181% | 204 |
| Net operating income to assets | 0.8974% | 2,595 |
| Return on assets (ROA) | 0.8974% | 2,567 |
| Pretax return on assets | 1.1485% | 2,246 |
| Return on Equity (ROE) | 9.4315% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.4315% | 1,162 |
| Net charge-offs to loans | 0.0242% | 1,236 |
| Credit loss provision to net charge-offs | 1,696.4286% | 275 |
| Earnings coverage of net charge-offs (x) | 78.2143% | 944 |
| Efficiency ratio | 61.9031% | 3,057 |
| Assets per employee ($millions) | 7.4473% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 490 |
| Loan loss allowance to noncurrent loans | 121.7160% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 295 |
| Noncurrent loans to loans | 1.6918% | 416 |
| Net loans and leases to total assets | 77.5282% | 589 |
| Net loans and leases to deposits | 86.5655% | 934 |
| Net loans and leases to core deposits | 90.8633% | 1,069 |
| Total domestic deposits to total assets | 89.5602% | 1,914 |
| Equity capital to assets | 9.8239% | 1,808 |
| Core capital (leverage) ratio | 9.9482% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0414% | 2,479 |
| Memoranda: | ||
| Average total assets | $597,311,667 | 1,499 |
| Average earning assets | $572,370,000 | 1,465 |
| Average equity | $56,831,000 | 1,507 |
| Average total loans | $461,996,667 | 1,241 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 811 |
| Cost of funding earning assets | 0.3747% | 1,027 |
| Net interest margin | 3.5994% | 893 |
| Noninterest income to average assets | 0.3330% | 3,104 |
| Noninterest expense to average assets | 2.2619% | 2,646 |
| Loan and lease loss provision to assets | 0.2326% | 291 |
| Net operating income to assets | 0.9870% | 1,930 |
| Return on assets (ROA) | 0.9870% | 1,926 |
| Pretax return on assets | 1.2861% | 1,550 |
| Return on Equity (ROE) | 10.5416% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.5416% | 894 |
| Net charge-offs to loans | -0.0052% | 3,352 |
| Credit loss provision to net charge-offs | -5,833.3333% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8277% | 3,499 |
| Assets per employee ($millions) | 8.2092% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 630 |
| Loan loss allowance to noncurrent loans | 122.5261% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 343 |
| Noncurrent loans to loans | 1.6205% | 496 |
| Net loans and leases to total assets | 75.5919% | 533 |
| Net loans and leases to deposits | 86.0309% | 734 |
| Net loans and leases to core deposits | 91.0702% | 872 |
| Total domestic deposits to total assets | 87.8660% | 2,584 |
| Equity capital to assets | 9.6268% | 2,192 |
| Core capital (leverage) ratio | 9.7214% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8730% | 2,652 |
| Memoranda: | ||
| Average total assets | $601,801,000 | 1,498 |
| Average earning assets | $576,422,000 | 1,456 |
| Average equity | $56,348,000 | 1,561 |
| Average total loans | $460,138,000 | 1,236 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 776 |
| Cost of funding earning assets | 0.5293% | 793 |
| Net interest margin | 3.8271% | 955 |
| Noninterest income to average assets | 0.7313% | 1,657 |
| Noninterest expense to average assets | 2.2586% | 2,918 |
| Loan and lease loss provision to assets | 0.4247% | 151 |
| Net operating income to assets | 1.3377% | 1,483 |
| Return on assets (ROA) | 1.3377% | 1,522 |
| Pretax return on assets | 1.7004% | 1,145 |
| Return on Equity (ROE) | 14.6982% | 1,023 |
| Retained earnings to average equity (ytd only) | 14.6982% | 253 |
| Net charge-offs to loans | 0.0487% | 1,335 |
| Credit loss provision to net charge-offs | 1,076.2332% | 507 |
| Earnings coverage of net charge-offs (x) | 53.8565% | 1,258 |
| Efficiency ratio | 51.5237% | 4,157 |
| Assets per employee ($millions) | 8.1672% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 766 |
| Loan loss allowance to noncurrent loans | 115.6383% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.2277% | 398 |
| Noncurrent loans to loans | 1.6192% | 535 |
| Net loans and leases to total assets | 74.4007% | 631 |
| Net loans and leases to deposits | 86.4735% | 754 |
| Net loans and leases to core deposits | 91.6106% | 901 |
| Total domestic deposits to total assets | 86.0387% | 2,890 |
| Equity capital to assets | 9.1089% | 3,506 |
| Core capital (leverage) ratio | 9.2120% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4426% | 2,790 |
| Memoranda: | ||
| Average total assets | $565,166,400 | 1,529 |
| Average earning assets | $539,357,600 | 1,495 |
| Average equity | $51,434,800 | 1,721 |
| Average total loans | $458,086,000 | 1,246 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 899 |
| Cost of funding earning assets | 0.5687% | 749 |
| Net interest margin | 3.7720% | 1,176 |
| Noninterest income to average assets | 0.6670% | 1,945 |
| Noninterest expense to average assets | 2.2617% | 2,858 |
| Loan and lease loss provision to assets | 0.4337% | 142 |
| Net operating income to assets | 1.2385% | 2,027 |
| Return on assets (ROA) | 1.2385% | 2,091 |
| Pretax return on assets | 1.5663% | 1,803 |
| Return on Equity (ROE) | 13.6125% | 1,509 |
| Retained earnings to average equity (ytd only) | 13.6125% | 555 |
| Net charge-offs to loans | -0.0050% | 3,436 |
| Credit loss provision to net charge-offs | -10,588.2353% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0702% | 3,913 |
| Assets per employee ($millions) | 8.0641% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 979 |
| Loan loss allowance to noncurrent loans | 65.7386% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.1538% | 162 |
| Noncurrent loans to loans | 2.6978% | 265 |
| Net loans and leases to total assets | 78.4206% | 375 |
| Net loans and leases to deposits | 91.1701% | 537 |
| Net loans and leases to core deposits | 97.0173% | 700 |
| Total domestic deposits to total assets | 86.0157% | 2,744 |
| Equity capital to assets | 9.0443% | 3,785 |
| Core capital (leverage) ratio | 8.9154% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1277% | 2,938 |
| Memoranda: | ||
| Average total assets | $553,322,250 | 1,575 |
| Average earning assets | $527,315,000 | 1,540 |
| Average equity | $50,344,500 | 1,768 |
| Average total loans | $456,499,500 | 1,269 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 942 |
| Cost of funding earning assets | 0.6156% | 685 |
| Net interest margin | 3.7205% | 1,297 |
| Noninterest income to average assets | 0.4465% | 2,865 |
| Noninterest expense to average assets | 2.1583% | 3,214 |
| Loan and lease loss provision to assets | 0.4432% | 127 |
| Net operating income to assets | 1.0954% | 2,571 |
| Return on assets (ROA) | 1.0954% | 2,638 |
| Pretax return on assets | 1.3872% | 2,373 |
| Return on Equity (ROE) | 12.0133% | 2,058 |
| Retained earnings to average equity (ytd only) | 12.0133% | 913 |
| Net charge-offs to loans | -0.0049% | 3,427 |
| Credit loss provision to net charge-offs | -10,909.0909% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1111% | 3,784 |
| Assets per employee ($millions) | 7.7323% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 1,167 |
| Loan loss allowance to noncurrent loans | 59.7511% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 2.3067% | 164 |
| Noncurrent loans to loans | 2.7645% | 279 |
| Net loans and leases to total assets | 79.3626% | 352 |
| Net loans and leases to deposits | 91.9721% | 540 |
| Net loans and leases to core deposits | 98.5404% | 700 |
| Total domestic deposits to total assets | 86.2899% | 2,635 |
| Equity capital to assets | 8.7863% | 3,988 |
| Core capital (leverage) ratio | 8.8955% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0146% | 2,955 |
| Memoranda: | ||
| Average total assets | $541,536,000 | 1,594 |
| Average earning assets | $515,575,667 | 1,557 |
| Average equity | $49,378,667 | 1,787 |
| Average total loans | $452,005,333 | 1,283 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 842 |
| Cost of funding earning assets | 0.6648% | 632 |
| Net interest margin | 3.7857% | 1,171 |
| Noninterest income to average assets | 0.4273% | 2,943 |
| Noninterest expense to average assets | 1.9305% | 3,912 |
| Loan and lease loss provision to assets | 0.4595% | 153 |
| Net operating income to assets | 1.2942% | 1,845 |
| Return on assets (ROA) | 1.2942% | 1,917 |
| Pretax return on assets | 1.6349% | 1,635 |
| Return on Equity (ROE) | 13.9120% | 1,448 |
| Retained earnings to average equity (ytd only) | 13.9120% | 763 |
| Net charge-offs to loans | -0.0045% | 3,352 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9642% | 4,341 |
| Assets per employee ($millions) | 7.3197% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 1,378 |
| Loan loss allowance to noncurrent loans | 54.3734% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.5343% | 155 |
| Noncurrent loans to loans | 2.8833% | 279 |
| Net loans and leases to total assets | 83.7094% | 159 |
| Net loans and leases to deposits | 98.1138% | 341 |
| Net loans and leases to core deposits | 106.3108% | 500 |
| Total domestic deposits to total assets | 85.3187% | 2,991 |
| Equity capital to assets | 9.2580% | 3,436 |
| Core capital (leverage) ratio | 9.4452% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8377% | 2,727 |
| Memoranda: | ||
| Average total assets | $522,342,000 | 1,627 |
| Average earning assets | $496,397,500 | 1,602 |
| Average equity | $48,591,000 | 1,798 |
| Average total loans | $444,021,500 | 1,294 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5861% | 1,120 |
| Cost of funding earning assets | 0.9594% | 692 |
| Net interest margin | 3.6267% | 2,053 |
| Noninterest income to average assets | 0.5669% | 2,347 |
| Noninterest expense to average assets | 2.1758% | 3,735 |
| Loan and lease loss provision to assets | 0.4770% | 550 |
| Net operating income to assets | 1.0527% | 2,094 |
| Return on assets (ROA) | 1.0646% | 2,187 |
| Pretax return on assets | 1.3651% | 1,772 |
| Return on Equity (ROE) | 10.7787% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.7787% | 462 |
| Net charge-offs to loans | 0.0187% | 2,702 |
| Credit loss provision to net charge-offs | 2,979.4521% | 334 |
| Earnings coverage of net charge-offs (x) | 114.1233% | 727 |
| Efficiency ratio | 54.3582% | 4,173 |
| Assets per employee ($millions) | 7.6171% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,573 |
| Loan loss allowance to noncurrent loans | 42.0039% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 3.1273% | 109 |
| Noncurrent loans to loans | 3.5791% | 189 |
| Net loans and leases to total assets | 83.6900% | 193 |
| Net loans and leases to deposits | 103.3272% | 271 |
| Net loans and leases to core deposits | 113.3625% | 425 |
| Total domestic deposits to total assets | 80.9952% | 3,869 |
| Equity capital to assets | 9.3492% | 3,741 |
| Core capital (leverage) ratio | 10.0119% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7276% | 2,721 |
| Memoranda: | ||
| Average total assets | $456,021,000 | 1,680 |
| Average earning assets | $432,020,000 | 1,656 |
| Average equity | $45,042,400 | 1,847 |
| Average total loans | $389,588,800 | 1,401 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,132 |
| Cost of funding earning assets | 1.0176% | 718 |
| Net interest margin | 3.6527% | 2,093 |
| Noninterest income to average assets | 0.4984% | 2,621 |
| Noninterest expense to average assets | 2.1369% | 3,859 |
| Loan and lease loss provision to assets | 0.4746% | 648 |
| Net operating income to assets | 1.0504% | 2,144 |
| Return on assets (ROA) | 1.0668% | 2,218 |
| Pretax return on assets | 1.3681% | 1,827 |
| Return on Equity (ROE) | 10.6364% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.6364% | 644 |
| Net charge-offs to loans | 0.0268% | 2,301 |
| Credit loss provision to net charge-offs | 2,072.3684% | 463 |
| Earnings coverage of net charge-offs (x) | 79.5526% | 928 |
| Efficiency ratio | 53.9773% | 4,151 |
| Assets per employee ($millions) | 7.6130% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,013 |
| Loan loss allowance to noncurrent loans | 359.4168% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 2,093 |
| Noncurrent loans to loans | 0.3718% | 2,951 |
| Net loans and leases to total assets | 85.6362% | 166 |
| Net loans and leases to deposits | 115.0817% | 157 |
| Net loans and leases to core deposits | 126.5432% | 295 |
| Total domestic deposits to total assets | 74.4134% | 4,545 |
| Equity capital to assets | 9.1045% | 4,029 |
| Core capital (leverage) ratio | 10.2198% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $442,440,250 | 1,702 |
| Average earning assets | $419,152,500 | 1,676 |
| Average equity | $44,374,750 | 1,856 |
| Average total loans | $378,579,500 | 1,418 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7980% | 1,176 |
| Cost of funding earning assets | 1.1151% | 681 |
| Net interest margin | 3.6829% | 2,233 |
| Noninterest income to average assets | 0.4149% | 2,991 |
| Noninterest expense to average assets | 2.1153% | 3,995 |
| Loan and lease loss provision to assets | 0.4644% | 821 |
| Net operating income to assets | 1.0362% | 2,201 |
| Return on assets (ROA) | 1.0622% | 2,229 |
| Pretax return on assets | 1.3479% | 1,875 |
| Return on Equity (ROE) | 10.2091% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.2091% | 753 |
| Net charge-offs to loans | 0.0263% | 2,192 |
| Credit loss provision to net charge-offs | 2,074.4681% | 468 |
| Earnings coverage of net charge-offs (x) | 79.4894% | 810 |
| Efficiency ratio | 54.3109% | 4,144 |
| Assets per employee ($millions) | 8.5502% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,011 |
| Loan loss allowance to noncurrent loans | 323.2910% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 1,970 |
| Noncurrent loans to loans | 0.4014% | 2,966 |
| Net loans and leases to total assets | 80.5816% | 526 |
| Net loans and leases to deposits | 108.3480% | 261 |
| Net loans and leases to core deposits | 123.9786% | 344 |
| Total domestic deposits to total assets | 74.3729% | 4,565 |
| Equity capital to assets | 8.9244% | 4,152 |
| Core capital (leverage) ratio | 10.6007% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3345% | 2,470 |
| Memoranda: | ||
| Average total assets | $419,897,667 | 1,751 |
| Average earning assets | $396,749,000 | 1,724 |
| Average equity | $43,686,667 | 1,865 |
| Average total loans | $357,199,667 | 1,464 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 522 |
| Cost of funding earning assets | 1.2560% | 643 |
| Net interest margin | 4.0734% | 1,192 |
| Noninterest income to average assets | 0.5529% | 2,267 |
| Noninterest expense to average assets | 2.5391% | 3,161 |
| Loan and lease loss provision to assets | 0.3972% | 770 |
| Net operating income to assets | 1.1445% | 1,704 |
| Return on assets (ROA) | 1.2023% | 1,625 |
| Pretax return on assets | 1.5201% | 1,256 |
| Return on Equity (ROE) | 10.5532% | 1,553 |
| Retained earnings to average equity (ytd only) | 10.5532% | 634 |
| Net charge-offs to loans | 0.0473% | 1,541 |
| Credit loss provision to net charge-offs | 961.5385% | 594 |
| Earnings coverage of net charge-offs (x) | 44.6410% | 970 |
| Efficiency ratio | 57.9265% | 4,010 |
| Assets per employee ($millions) | 6.2943% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 1,782 |
| Loan loss allowance to noncurrent loans | 1,203.0380% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,197 |
| Noncurrent loans to loans | 0.1145% | 4,064 |
| Net loans and leases to total assets | 87.1495% | 91 |
| Net loans and leases to deposits | 106.1383% | 291 |
| Net loans and leases to core deposits | 126.0521% | 334 |
| Total domestic deposits to total assets | 82.1094% | 3,385 |
| Equity capital to assets | 11.1931% | 2,687 |
| Core capital (leverage) ratio | 11.3598% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8117% | 2,789 |
| Memoranda: | ||
| Average total assets | $377,617,000 | 1,859 |
| Average earning assets | $355,083,500 | 1,833 |
| Average equity | $43,020,000 | 1,880 |
| Average total loans | $329,877,000 | 1,525 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5186% | 546 |
| Cost of funding earning assets | 1.2492% | 895 |
| Net interest margin | 4.2694% | 1,164 |
| Noninterest income to average assets | 0.6171% | 2,152 |
| Noninterest expense to average assets | 2.7906% | 2,635 |
| Loan and lease loss provision to assets | 0.1622% | 1,285 |
| Net operating income to assets | 1.2997% | 1,688 |
| Return on assets (ROA) | 1.2995% | 1,765 |
| Pretax return on assets | 1.6313% | 1,396 |
| Return on Equity (ROE) | 11.1917% | 1,814 |
| Retained earnings to average equity (ytd only) | 11.1917% | 307 |
| Net charge-offs to loans | -0.0029% | 4,261 |
| Credit loss provision to net charge-offs | -6,875.0000% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8712% | 3,555 |
| Assets per employee ($millions) | 6.2928% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,516 |
| Loan loss allowance to noncurrent loans | 976.9912% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,660 |
| Noncurrent loans to loans | 0.1435% | 3,953 |
| Net loans and leases to total assets | 85.0682% | 235 |
| Net loans and leases to deposits | 99.8668% | 614 |
| Net loans and leases to core deposits | 117.1853% | 558 |
| Total domestic deposits to total assets | 85.1816% | 2,429 |
| Equity capital to assets | 11.6057% | 2,425 |
| Core capital (leverage) ratio | 11.7646% | 1,911 |
| Tier 1 risk-based capital ratio | 12.2427% | 4,216 |
| Total risk-based capital ratio | 13.4941% | 4,090 |
| Memoranda: | ||
| Average total assets | $338,989,200 | 1,950 |
| Average earning assets | $315,009,800 | 1,942 |
| Average equity | $39,359,600 | 1,966 |
| Average total loans | $276,905,600 | 1,705 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 665 |
| Cost of funding earning assets | 1.2356% | 944 |
| Net interest margin | 4.1912% | 1,393 |
| Noninterest income to average assets | 0.4507% | 3,013 |
| Noninterest expense to average assets | 2.8259% | 2,490 |
| Loan and lease loss provision to assets | 0.1504% | 1,259 |
| Net operating income to assets | 1.0911% | 2,607 |
| Return on assets (ROA) | 1.0907% | 2,699 |
| Pretax return on assets | 1.3574% | 2,471 |
| Return on Equity (ROE) | 9.3929% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.3929% | 929 |
| Net charge-offs to loans | -0.0040% | 4,155 |
| Credit loss provision to net charge-offs | -4,687.5000% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2017% | 2,826 |
| Assets per employee ($millions) | 6.0488% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 1,353 |
| Loan loss allowance to noncurrent loans | 67.4082% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.5674% | 256 |
| Noncurrent loans to loans | 2.1702% | 596 |
| Net loans and leases to total assets | 82.8716% | 469 |
| Net loans and leases to deposits | 97.5251% | 867 |
| Net loans and leases to core deposits | 114.2318% | 740 |
| Total domestic deposits to total assets | 84.9747% | 2,435 |
| Equity capital to assets | 11.6763% | 2,532 |
| Core capital (leverage) ratio | 11.5054% | 2,214 |
| Tier 1 risk-based capital ratio | 12.1851% | 4,323 |
| Total risk-based capital ratio | 13.4365% | 4,204 |
| Memoranda: | ||
| Average total assets | $332,490,250 | 1,979 |
| Average earning assets | $308,067,000 | 1,989 |
| Average equity | $38,609,750 | 2,002 |
| Average total loans | $267,406,500 | 1,752 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 709 |
| Cost of funding earning assets | 1.1972% | 1,010 |
| Net interest margin | 4.1778% | 1,412 |
| Noninterest income to average assets | 0.5286% | 2,518 |
| Noninterest expense to average assets | 2.8082% | 2,553 |
| Loan and lease loss provision to assets | 0.1218% | 1,536 |
| Net operating income to assets | 1.1906% | 2,183 |
| Return on assets (ROA) | 1.1906% | 2,241 |
| Pretax return on assets | 1.4708% | 1,947 |
| Return on Equity (ROE) | 10.2732% | 2,260 |
| Retained earnings to average equity (ytd only) | 10.2732% | 682 |
| Net charge-offs to loans | -0.0046% | 4,100 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8112% | 3,159 |
| Assets per employee ($millions) | 5.7758% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 1,254 |
| Loan loss allowance to noncurrent loans | 64.5136% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 2.7765% | 241 |
| Noncurrent loans to loans | 2.3361% | 551 |
| Net loans and leases to total assets | 80.6933% | 775 |
| Net loans and leases to deposits | 95.3944% | 1,108 |
| Net loans and leases to core deposits | 109.5004% | 999 |
| Total domestic deposits to total assets | 84.5891% | 2,646 |
| Equity capital to assets | 11.9533% | 2,220 |
| Core capital (leverage) ratio | 11.7641% | 1,976 |
| Tier 1 risk-based capital ratio | 12.6296% | 4,058 |
| Total risk-based capital ratio | 13.8812% | 3,947 |
| Memoranda: | ||
| Average total assets | $328,392,330 | 2,010 |
| Average earning assets | $304,370,670 | 2,011 |
| Average equity | $38,060,330 | 2,019 |
| Average total loans | $259,885,330 | 1,795 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 707 |
| Cost of funding earning assets | 1.1541% | 1,033 |
| Net interest margin | 4.1847% | 1,334 |
| Noninterest income to average assets | 0.1683% | 4,730 |
| Noninterest expense to average assets | 2.4733% | 3,575 |
| Loan and lease loss provision to assets | 0.1829% | 899 |
| Net operating income to assets | 1.1342% | 2,332 |
| Return on assets (ROA) | 1.1342% | 2,382 |
| Pretax return on assets | 1.3903% | 2,116 |
| Return on Equity (ROE) | 9.9428% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.9428% | 1,050 |
| Net charge-offs to loans | -0.0047% | 4,007 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1212% | 3,662 |
| Assets per employee ($millions) | 6.1642% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,045 |
| Loan loss allowance to noncurrent loans | 519.6891% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 1,185 |
| Noncurrent loans to loans | 0.3093% | 3,461 |
| Net loans and leases to total assets | 75.1798% | 1,614 |
| Net loans and leases to deposits | 87.6107% | 1,921 |
| Net loans and leases to core deposits | 102.9699% | 1,383 |
| Total domestic deposits to total assets | 85.8112% | 2,356 |
| Equity capital to assets | 11.6679% | 2,259 |
| Core capital (leverage) ratio | 11.5384% | 2,110 |
| Tier 1 risk-based capital ratio | 13.3461% | 3,694 |
| Total risk-based capital ratio | 14.5990% | 3,601 |
| Memoranda: | ||
| Average total assets | $327,977,500 | 2,030 |
| Average earning assets | $303,963,000 | 2,030 |
| Average equity | $37,414,000 | 2,038 |
| Average total loans | $254,965,500 | 1,828 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 1,372 |
| Cost of funding earning assets | 0.9591% | 890 |
| Net interest margin | 3.9092% | 2,299 |
| Noninterest income to average assets | 0.8258% | 1,383 |
| Noninterest expense to average assets | 2.6365% | 3,222 |
| Loan and lease loss provision to assets | 0.1882% | 1,022 |
| Net operating income to assets | 1.2785% | 1,884 |
| Return on assets (ROA) | 1.2785% | 1,879 |
| Pretax return on assets | 1.6249% | 1,395 |
| Return on Equity (ROE) | 14.0236% | 1,035 |
| Retained earnings to average equity (ytd only) | 14.0236% | 164 |
| Net charge-offs to loans | 0.1500% | 1,282 |
| Credit loss provision to net charge-offs | 168.9189% | 1,648 |
| Earnings coverage of net charge-offs (x) | 16.2703% | 2,259 |
| Efficiency ratio | 59.2527% | 3,977 |
| Assets per employee ($millions) | 7.1577% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,344 |
| Loan loss allowance to noncurrent loans | 496.6538% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,047 |
| Noncurrent loans to loans | 0.2985% | 3,495 |
| Net loans and leases to total assets | 77.8873% | 1,285 |
| Net loans and leases to deposits | 90.5415% | 1,728 |
| Net loans and leases to core deposits | 104.1041% | 1,404 |
| Total domestic deposits to total assets | 86.0239% | 2,218 |
| Equity capital to assets | 11.1491% | 2,551 |
| Core capital (leverage) ratio | 10.8199% | 2,712 |
| Tier 1 risk-based capital ratio | 12.2965% | 4,235 |
| Total risk-based capital ratio | 13.5479% | 4,121 |
| Memoranda: | ||
| Average total assets | $332,026,200 | 1,978 |
| Average earning assets | $307,785,000 | 1,980 |
| Average equity | $30,270,400 | 2,320 |
| Average total loans | $246,725,400 | 1,840 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 1,633 |
| Cost of funding earning assets | 0.8989% | 928 |
| Net interest margin | 3.8156% | 2,590 |
| Noninterest income to average assets | 0.7902% | 1,507 |
| Noninterest expense to average assets | 2.6701% | 3,067 |
| Loan and lease loss provision to assets | 0.1903% | 933 |
| Net operating income to assets | 1.1501% | 2,437 |
| Return on assets (ROA) | 1.1501% | 2,447 |
| Pretax return on assets | 1.4647% | 2,020 |
| Return on Equity (ROE) | 13.3513% | 1,313 |
| Retained earnings to average equity (ytd only) | 13.3513% | 319 |
| Net charge-offs to loans | -0.0121% | 4,445 |
| Credit loss provision to net charge-offs | -2,159.0909% | 4,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7345% | 3,549 |
| Assets per employee ($millions) | 6.7669% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,000 |
| Loan loss allowance to noncurrent loans | 251.8428% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7845% | 654 |
| Noncurrent loans to loans | 0.6484% | 2,469 |
| Net loans and leases to total assets | 74.4864% | 1,905 |
| Net loans and leases to deposits | 84.6091% | 2,524 |
| Net loans and leases to core deposits | 94.2589% | 2,262 |
| Total domestic deposits to total assets | 88.0359% | 1,226 |
| Equity capital to assets | 9.1107% | 4,449 |
| Core capital (leverage) ratio | 8.2239% | 5,235 |
| Tier 1 risk-based capital ratio | 10.5011% | 5,238 |
| Total risk-based capital ratio | 11.7544% | 5,154 |
| Memoranda: | ||
| Average total assets | $332,719,250 | 1,983 |
| Average earning assets | $308,234,250 | 1,990 |
| Average equity | $28,660,750 | 2,425 |
| Average total loans | $243,330,250 | 1,868 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 2,315 |
| Cost of funding earning assets | 0.7634% | 1,313 |
| Net interest margin | 3.6682% | 3,049 |
| Noninterest income to average assets | 0.6328% | 2,163 |
| Noninterest expense to average assets | 2.5752% | 3,398 |
| Loan and lease loss provision to assets | 0.1651% | 1,117 |
| Net operating income to assets | 1.0177% | 2,934 |
| Return on assets (ROA) | 1.0177% | 2,943 |
| Pretax return on assets | 1.2939% | 2,537 |
| Return on Equity (ROE) | 12.0449% | 1,708 |
| Retained earnings to average equity (ytd only) | 12.0449% | 508 |
| Net charge-offs to loans | -0.0058% | 4,144 |
| Credit loss provision to net charge-offs | -3,928.5714% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8339% | 3,332 |
| Assets per employee ($millions) | 8.8039% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,028 |
| Loan loss allowance to noncurrent loans | 242.4205% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 945 |
| Noncurrent loans to loans | 0.6722% | 2,427 |
| Net loans and leases to total assets | 56.6903% | 4,104 |
| Net loans and leases to deposits | 62.5493% | 4,386 |
| Net loans and leases to core deposits | 67.3721% | 4,289 |
| Total domestic deposits to total assets | 90.6330% | 353 |
| Equity capital to assets | 7.0177% | 5,445 |
| Core capital (leverage) ratio | 8.7876% | 4,895 |
| Tier 1 risk-based capital ratio | 10.4878% | 5,272 |
| Total risk-based capital ratio | 11.7409% | 5,173 |
| Memoranda: | ||
| Average total assets | $333,100,330 | 1,995 |
| Average earning assets | $308,869,000 | 1,992 |
| Average equity | $28,144,670 | 2,468 |
| Average total loans | $240,747,330 | 1,881 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 922 |
| Cost of funding earning assets | 0.7411% | 1,227 |
| Net interest margin | 4.1324% | 1,361 |
| Noninterest income to average assets | 0.3935% | 3,514 |
| Noninterest expense to average assets | 2.7258% | 2,954 |
| Loan and lease loss provision to assets | 0.2049% | 803 |
| Net operating income to assets | 0.9906% | 2,889 |
| Return on assets (ROA) | 0.9906% | 2,918 |
| Pretax return on assets | 1.2570% | 2,522 |
| Return on Equity (ROE) | 10.4701% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.4701% | 1,026 |
| Net charge-offs to loans | -0.0066% | 4,103 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0897% | 3,304 |
| Assets per employee ($millions) | 6.4874% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,252 |
| Loan loss allowance to noncurrent loans | 233.5612% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 2.0193% | 561 |
| Noncurrent loans to loans | 0.6688% | 2,542 |
| Net loans and leases to total assets | 79.3644% | 1,027 |
| Net loans and leases to deposits | 90.0183% | 1,690 |
| Net loans and leases to core deposits | 95.5285% | 2,013 |
| Total domestic deposits to total assets | 88.1647% | 1,529 |
| Equity capital to assets | 9.3941% | 4,189 |
| Core capital (leverage) ratio | 9.4457% | 4,132 |
| Tier 1 risk-based capital ratio | 10.2202% | 5,436 |
| Total risk-based capital ratio | 11.4726% | 5,363 |
| Memoranda: | ||
| Average total assets | $292,759,000 | 2,238 |
| Average earning assets | $268,805,000 | 2,233 |
| Average equity | $27,698,000 | 2,513 |
| Average total loans | $241,890,500 | 1,887 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 924 |
| Cost of funding earning assets | 0.6656% | 1,212 |
| Net interest margin | 4.1641% | 1,267 |
| Noninterest income to average assets | 0.9620% | 1,111 |
| Noninterest expense to average assets | 2.9861% | 2,200 |
| Loan and lease loss provision to assets | 0.2404% | 795 |
| Net operating income to assets | 0.5986% | 4,016 |
| Return on assets (ROA) | 0.5981% | 4,062 |
| Pretax return on assets | 1.5559% | 1,431 |
| Return on Equity (ROE) | 5.8266% | 3,831 |
| Retained earnings to average equity (ytd only) | 5.8266% | 1,640 |
| Net charge-offs to loans | -0.0018% | 4,528 |
| Credit loss provision to net charge-offs | -15,625.0000% | 5,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4286% | 3,872 |
| Assets per employee ($millions) | 6.2412% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 1,470 |
| Loan loss allowance to noncurrent loans | 223.0198% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 2.1171% | 511 |
| Noncurrent loans to loans | 0.6645% | 2,552 |
| Net loans and leases to total assets | 83.4488% | 504 |
| Net loans and leases to deposits | 96.7894% | 1,012 |
| Net loans and leases to core deposits | 101.1578% | 1,619 |
| Total domestic deposits to total assets | 86.2169% | 2,345 |
| Equity capital to assets | 9.5306% | 4,208 |
| Core capital (leverage) ratio | 9.0369% | 4,602 |
| Tier 1 risk-based capital ratio | 9.6226% | 5,590 |
| Total risk-based capital ratio | 10.8763% | 5,569 |
| Memoranda: | ||
| Average total assets | $259,971,600 | 2,417 |
| Average earning assets | $238,565,200 | 2,438 |
| Average equity | $26,687,800 | 2,567 |
| Average total loans | $218,399,400 | 2,011 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7115% | 1,112 |
| Cost of funding earning assets | 0.6400% | 1,306 |
| Net interest margin | 4.0716% | 1,473 |
| Noninterest income to average assets | 1.0474% | 932 |
| Noninterest expense to average assets | 3.1001% | 1,803 |
| Loan and lease loss provision to assets | 0.1975% | 961 |
| Net operating income to assets | 1.0065% | 2,523 |
| Return on assets (ROA) | 1.0058% | 2,568 |
| Pretax return on assets | 1.4876% | 1,812 |
| Return on Equity (ROE) | 9.6028% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.6028% | 681 |
| Net charge-offs to loans | -0.0013% | 4,286 |
| Credit loss provision to net charge-offs | -18,750.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7706% | 3,412 |
| Assets per employee ($millions) | 6.2960% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 1,778 |
| Loan loss allowance to noncurrent loans | 501.0463% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9273% | 694 |
| Noncurrent loans to loans | 0.2853% | 3,925 |
| Net loans and leases to total assets | 83.4278% | 495 |
| Net loans and leases to deposits | 96.4966% | 1,068 |
| Net loans and leases to core deposits | 100.7463% | 1,644 |
| Total domestic deposits to total assets | 86.4568% | 2,113 |
| Equity capital to assets | 10.0161% | 3,895 |
| Core capital (leverage) ratio | 9.6670% | 3,968 |
| Tier 1 risk-based capital ratio | 9.8227% | 5,628 |
| Total risk-based capital ratio | 11.0756% | 5,598 |
| Memoranda: | ||
| Average total assets | $253,190,250 | 2,487 |
| Average earning assets | $232,501,500 | 2,490 |
| Average equity | $26,519,250 | 2,595 |
| Average total loans | $212,203,500 | 2,072 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,263 |
| Cost of funding earning assets | 0.6041% | 1,417 |
| Net interest margin | 3.9890% | 1,642 |
| Noninterest income to average assets | 0.5015% | 3,013 |
| Noninterest expense to average assets | 3.0174% | 2,065 |
| Loan and lease loss provision to assets | 0.1835% | 1,028 |
| Net operating income to assets | 0.7311% | 3,699 |
| Return on assets (ROA) | 0.7299% | 3,772 |
| Pretax return on assets | 0.9827% | 3,628 |
| Return on Equity (ROE) | 6.8556% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,662 |
| Net charge-offs to loans | 0.0049% | 3,298 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 286.4000% | 296 |
| Efficiency ratio | 72.0966% | 2,322 |
| Assets per employee ($millions) | 5.6165% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,708 |
| Loan loss allowance to noncurrent loans | 468.4751% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 2.1327% | 574 |
| Noncurrent loans to loans | 0.3124% | 3,921 |
| Net loans and leases to total assets | 83.2590% | 517 |
| Net loans and leases to deposits | 96.9933% | 984 |
| Net loans and leases to core deposits | 100.5713% | 1,613 |
| Total domestic deposits to total assets | 85.8399% | 2,452 |
| Equity capital to assets | 10.3317% | 3,536 |
| Core capital (leverage) ratio | 9.8277% | 3,745 |
| Tier 1 risk-based capital ratio | 10.0125% | 5,628 |
| Total risk-based capital ratio | 11.2656% | 5,581 |
| Memoranda: | ||
| Average total assets | $245,245,330 | 2,552 |
| Average earning assets | $226,471,000 | 2,570 |
| Average equity | $26,110,000 | 2,621 |
| Average total loans | $204,782,000 | 2,130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 1,551 |
| Cost of funding earning assets | 0.5614% | 1,637 |
| Net interest margin | 3.8707% | 1,884 |
| Noninterest income to average assets | 0.2011% | 5,064 |
| Noninterest expense to average assets | 3.0751% | 1,934 |
| Loan and lease loss provision to assets | 0.2095% | 778 |
| Net operating income to assets | 0.5279% | 4,480 |
| Return on assets (ROA) | 0.5279% | 4,518 |
| Pretax return on assets | 0.5446% | 4,852 |
| Return on Equity (ROE) | 4.8802% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.8802% | 2,960 |
| Net charge-offs to loans | -0.0121% | 4,505 |
| Credit loss provision to net charge-offs | -2,083.3333% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3063% | 1,346 |
| Assets per employee ($millions) | 5.4323% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,633 |
| Loan loss allowance to noncurrent loans | 841.4634% | 679 |
| Noncurrent assets plus other real estate owned to assets | 2.1595% | 584 |
| Noncurrent loans to loans | 0.1804% | 4,479 |
| Net loans and leases to total assets | 82.4170% | 524 |
| Net loans and leases to deposits | 93.0161% | 1,223 |
| Net loans and leases to core deposits | 96.0195% | 1,820 |
| Total domestic deposits to total assets | 88.6051% | 1,371 |
| Equity capital to assets | 10.6463% | 3,018 |
| Core capital (leverage) ratio | 10.1526% | 3,307 |
| Tier 1 risk-based capital ratio | 10.6728% | 5,468 |
| Total risk-based capital ratio | 11.9269% | 5,386 |
| Memoranda: | ||
| Average total assets | $238,688,500 | 2,630 |
| Average earning assets | $223,734,000 | 2,609 |
| Average equity | $25,818,500 | 2,658 |
| Average total loans | $198,022,000 | 2,198 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,410 |
| Cost of funding earning assets | 0.4634% | 2,414 |
| Net interest margin | 4.0843% | 1,416 |
| Noninterest income to average assets | 0.2304% | 5,030 |
| Noninterest expense to average assets | 3.1940% | 1,804 |
| Loan and lease loss provision to assets | 0.1904% | 1,233 |
| Net operating income to assets | 0.3914% | 4,973 |
| Return on assets (ROA) | 0.3999% | 5,022 |
| Pretax return on assets | 0.6522% | 4,652 |
| Return on Equity (ROE) | 3.3299% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.3299% | 3,548 |
| Net charge-offs to loans | -0.0109% | 4,960 |
| Credit loss provision to net charge-offs | -2,105.2632% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3871% | 1,497 |
| Assets per employee ($millions) | 5.2938% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,495 |
| Loan loss allowance to noncurrent loans | 784.6966% | 732 |
| Noncurrent assets plus other real estate owned to assets | 2.2793% | 553 |
| Noncurrent loans to loans | 0.1979% | 4,444 |
| Net loans and leases to total assets | 80.9252% | 754 |
| Net loans and leases to deposits | 92.2607% | 1,412 |
| Net loans and leases to core deposits | 95.6939% | 1,949 |
| Total domestic deposits to total assets | 87.7136% | 1,784 |
| Equity capital to assets | 10.9958% | 2,628 |
| Core capital (leverage) ratio | 10.5656% | 2,814 |
| Tier 1 risk-based capital ratio | 11.1125% | 5,280 |
| Total risk-based capital ratio | 12.3702% | 5,156 |
| Memoranda: | ||
| Average total assets | $210,048,600 | 2,851 |
| Average earning assets | $195,062,800 | 2,850 |
| Average equity | $25,226,200 | 2,696 |
| Average total loans | $174,682,600 | 2,363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,328 |
| Cost of funding earning assets | 0.4506% | 2,557 |
| Net interest margin | 4.1315% | 1,304 |
| Noninterest income to average assets | 0.2382% | 5,049 |
| Noninterest expense to average assets | 3.2828% | 1,601 |
| Loan and lease loss provision to assets | 0.2121% | 993 |
| Net operating income to assets | 0.3952% | 5,032 |
| Return on assets (ROA) | 0.4078% | 5,085 |
| Pretax return on assets | 0.5905% | 4,904 |
| Return on Equity (ROE) | 3.3160% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.3160% | 3,914 |
| Net charge-offs to loans | 0.0031% | 3,821 |
| Credit loss provision to net charge-offs | 8,125.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 300.6811% | 273 |
| Efficiency ratio | 80.7155% | 1,340 |
| Assets per employee ($millions) | 5.3063% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,734 |
| Loan loss allowance to noncurrent loans | 745.0777% | 769 |
| Noncurrent assets plus other real estate owned to assets | 2.5115% | 541 |
| Noncurrent loans to loans | 0.2024% | 4,545 |
| Net loans and leases to total assets | 86.3333% | 230 |
| Net loans and leases to deposits | 99.9186% | 712 |
| Net loans and leases to core deposits | 103.6877% | 1,365 |
| Total domestic deposits to total assets | 86.4036% | 2,167 |
| Equity capital to assets | 11.7541% | 2,299 |
| Core capital (leverage) ratio | 11.1688% | 2,298 |
| Tier 1 risk-based capital ratio | 11.0006% | 5,369 |
| Total risk-based capital ratio | 12.2575% | 5,277 |
| Memoranda: | ||
| Average total assets | $204,329,500 | 2,921 |
| Average earning assets | $189,371,000 | 2,915 |
| Average equity | $25,129,750 | 2,723 |
| Average total loans | $170,486,000 | 2,411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 1,498 |
| Cost of funding earning assets | 0.4457% | 2,613 |
| Net interest margin | 4.0585% | 1,482 |
| Noninterest income to average assets | 0.2031% | 5,279 |
| Noninterest expense to average assets | 3.3023% | 1,590 |
| Loan and lease loss provision to assets | 0.2001% | 1,073 |
| Net operating income to assets | 0.3122% | 5,288 |
| Return on assets (ROA) | 0.3301% | 5,319 |
| Pretax return on assets | 0.4802% | 5,172 |
| Return on Equity (ROE) | 2.6419% | 5,351 |
| Retained earnings to average equity (ytd only) | 2.6419% | 4,215 |
| Net charge-offs to loans | 0.0183% | 3,138 |
| Credit loss provision to net charge-offs | 1,333.3333% | 297 |
| Earnings coverage of net charge-offs (x) | 43.6000% | 1,091 |
| Efficiency ratio | 83.4640% | 1,091 |
| Assets per employee ($millions) | 4.7357% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,647 |
| Loan loss allowance to noncurrent loans | 695.4315% | 808 |
| Noncurrent assets plus other real estate owned to assets | 2.7833% | 457 |
| Noncurrent loans to loans | 0.2245% | 4,535 |
| Net loans and leases to total assets | 86.8588% | 199 |
| Net loans and leases to deposits | 101.6995% | 583 |
| Net loans and leases to core deposits | 105.9545% | 1,184 |
| Total domestic deposits to total assets | 85.4073% | 2,684 |
| Equity capital to assets | 12.6882% | 1,667 |
| Core capital (leverage) ratio | 11.7078% | 1,841 |
| Tier 1 risk-based capital ratio | 11.9567% | 4,853 |
| Total risk-based capital ratio | 13.2149% | 4,764 |
| Memoranda: | ||
| Average total assets | $199,920,000 | 2,979 |
| Average earning assets | $184,896,670 | 2,987 |
| Average equity | $24,982,330 | 2,742 |
| Average total loans | $163,747,670 | 2,487 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,947 |
| Cost of funding earning assets | 0.4442% | 2,642 |
| Net interest margin | 3.9117% | 1,900 |
| Noninterest income to average assets | 0.1736% | 5,455 |
| Noninterest expense to average assets | 3.2171% | 1,800 |
| Loan and lease loss provision to assets | 0.1996% | 983 |
| Net operating income to assets | 0.2577% | 5,418 |
| Return on assets (ROA) | 0.2794% | 5,435 |
| Pretax return on assets | 0.4091% | 5,295 |
| Return on Equity (ROE) | 2.2531% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.2531% | 4,359 |
| Net charge-offs to loans | -0.0152% | 4,721 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7975% | 1,085 |
| Assets per employee ($millions) | 5.1645% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 1,527 |
| Loan loss allowance to noncurrent loans | 665.2500% | 810 |
| Noncurrent assets plus other real estate owned to assets | 2.7602% | 495 |
| Noncurrent loans to loans | 0.2452% | 4,552 |
| Net loans and leases to total assets | 77.6837% | 1,140 |
| Net loans and leases to deposits | 90.7117% | 1,493 |
| Net loans and leases to core deposits | 94.0272% | 1,984 |
| Total domestic deposits to total assets | 85.6380% | 2,839 |
| Equity capital to assets | 12.0781% | 1,973 |
| Core capital (leverage) ratio | 11.9807% | 1,617 |
| Tier 1 risk-based capital ratio | 12.0875% | 4,863 |
| Total risk-based capital ratio | 13.3463% | 4,757 |
| Memoranda: | ||
| Average total assets | $200,429,500 | 2,984 |
| Average earning assets | $185,495,000 | 2,992 |
| Average equity | $24,855,000 | 2,759 |
| Average total loans | $157,870,000 | 2,552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 978 |
| Cost of funding earning assets | 0.4431% | 2,702 |
| Net interest margin | 4.3231% | 920 |
| Noninterest income to average assets | 0.3716% | 4,254 |
| Noninterest expense to average assets | 3.4939% | 1,297 |
| Loan and lease loss provision to assets | 0.0583% | 3,143 |
| Net operating income to assets | 0.4813% | 4,761 |
| Return on assets (ROA) | 0.4813% | 4,848 |
| Pretax return on assets | 0.7292% | 4,440 |
| Return on Equity (ROE) | 3.3985% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.3985% | 3,633 |
| Net charge-offs to loans | -0.0299% | 5,400 |
| Credit loss provision to net charge-offs | -238.0952% | 5,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6051% | 1,462 |
| Assets per employee ($millions) | 4.8570% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 1,406 |
| Loan loss allowance to noncurrent loans | 623.1707% | 890 |
| Noncurrent assets plus other real estate owned to assets | 2.9597% | 443 |
| Noncurrent loans to loans | 0.2687% | 4,483 |
| Net loans and leases to total assets | 77.2317% | 1,222 |
| Net loans and leases to deposits | 91.5752% | 1,444 |
| Net loans and leases to core deposits | 95.1990% | 1,922 |
| Total domestic deposits to total assets | 84.3370% | 3,354 |
| Equity capital to assets | 12.7440% | 1,494 |
| Core capital (leverage) ratio | 12.2169% | 1,495 |
| Tier 1 risk-based capital ratio | 12.6685% | 4,527 |
| Total risk-based capital ratio | 13.9315% | 4,422 |
| Memoranda: | ||
| Average total assets | $171,413,800 | 3,282 |
| Average earning assets | $155,026,600 | 3,329 |
| Average equity | $24,275,400 | 2,762 |
| Average total loans | $140,357,600 | 2,720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 976 |
| Cost of funding earning assets | 0.4392% | 2,809 |
| Net interest margin | 4.3341% | 899 |
| Noninterest income to average assets | 0.2784% | 4,953 |
| Noninterest expense to average assets | 3.5333% | 1,224 |
| Loan and lease loss provision to assets | 0.0201% | 3,874 |
| Net operating income to assets | 0.4023% | 5,153 |
| Return on assets (ROA) | 0.4023% | 5,242 |
| Pretax return on assets | 0.6236% | 4,914 |
| Return on Equity (ROE) | 2.7599% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.7599% | 4,459 |
| Net charge-offs to loans | -0.0253% | 5,279 |
| Credit loss provision to net charge-offs | -96.1538% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5887% | 1,114 |
| Assets per employee ($millions) | 5.5965% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,802 |
| Loan loss allowance to noncurrent loans | 430.7692% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 3.4520% | 382 |
| Noncurrent loans to loans | 0.3708% | 4,286 |
| Net loans and leases to total assets | 84.7672% | 328 |
| Net loans and leases to deposits | 101.9934% | 545 |
| Net loans and leases to core deposits | 106.2085% | 1,080 |
| Total domestic deposits to total assets | 83.1104% | 3,775 |
| Equity capital to assets | 13.6414% | 1,159 |
| Core capital (leverage) ratio | 12.7169% | 1,310 |
| Tier 1 risk-based capital ratio | 12.6890% | 4,620 |
| Total risk-based capital ratio | 13.9522% | 4,523 |
| Memoranda: | ||
| Average total assets | $165,697,500 | 3,396 |
| Average earning assets | $149,046,750 | 3,446 |
| Average equity | $24,154,500 | 2,790 |
| Average total loans | $137,297,000 | 2,778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 923 |
| Cost of funding earning assets | 0.4326% | 2,916 |
| Net interest margin | 4.3493% | 832 |
| Noninterest income to average assets | 0.3151% | 4,698 |
| Noninterest expense to average assets | 3.5241% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4466% | 4,978 |
| Return on assets (ROA) | 0.4466% | 5,084 |
| Pretax return on assets | 0.6822% | 4,715 |
| Return on Equity (ROE) | 2.9922% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.9922% | 4,135 |
| Net charge-offs to loans | -0.0304% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7806% | 1,287 |
| Assets per employee ($millions) | 4.8640% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 1,513 |
| Loan loss allowance to noncurrent loans | 1,502.4691% | 379 |
| Noncurrent assets plus other real estate owned to assets | 3.4902% | 415 |
| Noncurrent loans to loans | 0.1160% | 5,296 |
| Net loans and leases to total assets | 82.9487% | 478 |
| Net loans and leases to deposits | 102.7497% | 516 |
| Net loans and leases to core deposits | 106.7882% | 1,031 |
| Total domestic deposits to total assets | 80.7289% | 4,684 |
| Equity capital to assets | 14.6103% | 797 |
| Core capital (leverage) ratio | 13.4017% | 1,014 |
| Tier 1 risk-based capital ratio | 13.4237% | 4,260 |
| Total risk-based capital ratio | 14.6900% | 4,186 |
| Memoranda: | ||
| Average total assets | $161,234,330 | 3,471 |
| Average earning assets | $144,252,330 | 3,538 |
| Average equity | $24,062,670 | 2,807 |
| Average total loans | $131,639,000 | 2,880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,012 |
| Cost of funding earning assets | 0.4371% | 2,911 |
| Net interest margin | 4.2747% | 931 |
| Noninterest income to average assets | 0.4423% | 3,683 |
| Noninterest expense to average assets | 3.4606% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7916% | 3,310 |
| Return on assets (ROA) | 0.7916% | 3,441 |
| Pretax return on assets | 0.7916% | 4,275 |
| Return on Equity (ROE) | 5.2472% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2472% | 2,921 |
| Net charge-offs to loans | -0.0125% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3830% | 1,706 |
| Assets per employee ($millions) | 4.9345% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 1,360 |
| Loan loss allowance to noncurrent loans | 1,491.9753% | 390 |
| Noncurrent assets plus other real estate owned to assets | 3.5446% | 462 |
| Noncurrent loans to loans | 0.1249% | 5,325 |
| Net loans and leases to total assets | 78.1540% | 899 |
| Net loans and leases to deposits | 97.5047% | 720 |
| Net loans and leases to core deposits | 101.2032% | 1,241 |
| Total domestic deposits to total assets | 80.1541% | 5,019 |
| Equity capital to assets | 14.8618% | 741 |
| Core capital (leverage) ratio | 13.4866% | 976 |
| Tier 1 risk-based capital ratio | 14.4403% | 3,757 |
| Total risk-based capital ratio | 15.7092% | 3,669 |
| Memoranda: | ||
| Average total assets | $159,163,000 | 3,519 |
| Average earning assets | $141,858,000 | 3,593 |
| Average equity | $24,013,000 | 2,824 |
| Average total loans | $127,652,500 | 2,954 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,107 |
| Cost of funding earning assets | 0.4786% | 2,893 |
| Net interest margin | 4.3264% | 1,009 |
| Noninterest income to average assets | 0.2435% | 5,384 |
| Noninterest expense to average assets | 3.5702% | 1,357 |
| Loan and lease loss provision to assets | 0.0399% | 3,776 |
| Net operating income to assets | 3.1411% | 84 |
| Return on assets (ROA) | 3.1471% | 84 |
| Pretax return on assets | 0.5190% | 5,201 |
| Return on Equity (ROE) | 25.1435% | 101 |
| Retained earnings to average equity (ytd only) | 25.1435% | 38 |
| Net charge-offs to loans | -0.0560% | 5,963 |
| Credit loss provision to net charge-offs | -88.2353% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5903% | 1,109 |
| Assets per employee ($millions) | 4.8589% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 1,264 |
| Loan loss allowance to noncurrent loans | 1,490.1235% | 439 |
| Noncurrent assets plus other real estate owned to assets | 3.7122% | 482 |
| Noncurrent loans to loans | 0.1290% | 5,381 |
| Net loans and leases to total assets | 79.2406% | 850 |
| Net loans and leases to deposits | 99.6796% | 639 |
| Net loans and leases to core deposits | 103.5118% | 1,150 |
| Total domestic deposits to total assets | 79.4953% | 5,143 |
| Equity capital to assets | 15.3229% | 646 |
| Core capital (leverage) ratio | 13.1252% | 1,090 |
| Tier 1 risk-based capital ratio | 13.6936% | 4,302 |
| Total risk-based capital ratio | 14.9488% | 4,232 |
| Memoranda: | ||
| Average total assets | $150,297,800 | 3,631 |
| Average earning assets | $134,778,200 | 3,681 |
| Average equity | $18,812,000 | 3,307 |
| Average total loans | $121,425,200 | 3,011 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 1,117 |
| Cost of funding earning assets | 0.4855% | 2,903 |
| Net interest margin | 4.3071% | 1,037 |
| Noninterest income to average assets | 0.2586% | 5,371 |
| Noninterest expense to average assets | 3.5829% | 1,323 |
| Loan and lease loss provision to assets | 0.0537% | 3,297 |
| Net operating income to assets | 0.4877% | 4,915 |
| Return on assets (ROA) | 0.4877% | 4,981 |
| Pretax return on assets | 0.4877% | 5,355 |
| Return on Equity (ROE) | 4.1384% | 5,117 |
| Retained earnings to average equity (ytd only) | 4.1384% | 3,711 |
| Net charge-offs to loans | -0.0078% | 5,376 |
| Credit loss provision to net charge-offs | -857.1429% | 5,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8735% | 1,104 |
| Assets per employee ($millions) | 4.8380% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 1,436 |
| Loan loss allowance to noncurrent loans | 1,453.0864% | 409 |
| Noncurrent assets plus other real estate owned to assets | 3.8632% | 528 |
| Noncurrent loans to loans | 0.1313% | 5,529 |
| Net loans and leases to total assets | 80.6653% | 644 |
| Net loans and leases to deposits | 98.0484% | 731 |
| Net loans and leases to core deposits | 102.3814% | 1,195 |
| Total domestic deposits to total assets | 82.2709% | 4,385 |
| Equity capital to assets | 12.2577% | 1,858 |
| Core capital (leverage) ratio | 12.2882% | 1,521 |
| Tier 1 risk-based capital ratio | 13.4781% | 4,556 |
| Total risk-based capital ratio | 14.7343% | 4,490 |
| Memoranda: | ||
| Average total assets | $149,000,750 | 3,674 |
| Average earning assets | $133,730,000 | 3,724 |
| Average equity | $17,558,750 | 3,465 |
| Average total loans | $120,376,000 | 3,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 1,277 |
| Cost of funding earning assets | 0.5547% | 2,308 |
| Net interest margin | 4.1466% | 1,393 |
| Noninterest income to average assets | 0.2233% | 5,607 |
| Noninterest expense to average assets | 3.5877% | 1,316 |
| Loan and lease loss provision to assets | 0.0807% | 2,686 |
| Net operating income to assets | 0.2758% | 5,645 |
| Return on assets (ROA) | 0.2758% | 5,719 |
| Pretax return on assets | 0.2758% | 5,827 |
| Return on Equity (ROE) | 2.3722% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.3722% | 4,695 |
| Net charge-offs to loans | -0.0101% | 5,321 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9618% | 837 |
| Assets per employee ($millions) | 4.6909% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 1,549 |
| Loan loss allowance to noncurrent loans | 1,451.8519% | 367 |
| Noncurrent assets plus other real estate owned to assets | 5.6206% | 294 |
| Noncurrent loans to loans | 0.1318% | 5,612 |
| Net loans and leases to total assets | 80.2883% | 654 |
| Net loans and leases to deposits | 99.0760% | 600 |
| Net loans and leases to core deposits | 104.0113% | 1,014 |
| Total domestic deposits to total assets | 81.0371% | 4,969 |
| Equity capital to assets | 11.7488% | 2,205 |
| Core capital (leverage) ratio | 11.9313% | 1,699 |
| Tier 1 risk-based capital ratio | 13.1077% | 4,846 |
| Total risk-based capital ratio | 14.3639% | 4,771 |
| Memoranda: | ||
| Average total assets | $148,674,670 | 3,699 |
| Average earning assets | $133,411,670 | 3,751 |
| Average equity | $17,283,670 | 3,504 |
| Average total loans | $119,389,670 | 3,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5317% | 1,703 |
| Cost of funding earning assets | 0.5316% | 2,586 |
| Net interest margin | 4.0002% | 1,761 |
| Noninterest income to average assets | 0.1838% | 5,860 |
| Noninterest expense to average assets | 3.5551% | 1,389 |
| Loan and lease loss provision to assets | 0.1622% | 1,501 |
| Net operating income to assets | 0.0676% | 6,091 |
| Return on assets (ROA) | 0.0676% | 6,116 |
| Pretax return on assets | 0.0676% | 6,126 |
| Return on Equity (ROE) | 0.5845% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.5845% | 5,350 |
| Net charge-offs to loans | -0.0034% | 4,756 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9286% | 756 |
| Assets per employee ($millions) | 4.7536% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 1,721 |
| Loan loss allowance to noncurrent loans | 1,448.7654% | 372 |
| Noncurrent assets plus other real estate owned to assets | 5.3472% | 363 |
| Noncurrent loans to loans | 0.1318% | 5,712 |
| Net loans and leases to total assets | 79.2362% | 633 |
| Net loans and leases to deposits | 95.8428% | 665 |
| Net loans and leases to core deposits | 99.5277% | 1,134 |
| Total domestic deposits to total assets | 82.6731% | 4,726 |
| Equity capital to assets | 11.2835% | 2,450 |
| Core capital (leverage) ratio | 12.2787% | 1,490 |
| Tier 1 risk-based capital ratio | 13.1189% | 4,944 |
| Total risk-based capital ratio | 14.3750% | 4,870 |
| Memoranda: | ||
| Average total assets | $147,957,500 | 3,735 |
| Average earning assets | $133,195,000 | 3,781 |
| Average equity | $17,107,500 | 3,539 |
| Average total loans | $117,648,500 | 3,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 1,799 |
| Cost of funding earning assets | 0.6571% | 2,151 |
| Net interest margin | 3.9629% | 2,056 |
| Noninterest income to average assets | 0.3945% | 4,485 |
| Noninterest expense to average assets | 3.4709% | 1,723 |
| Loan and lease loss provision to assets | 0.2306% | 1,569 |
| Net operating income to assets | 0.2686% | 5,621 |
| Return on assets (ROA) | 0.2781% | 5,685 |
| Pretax return on assets | 0.2781% | 5,785 |
| Return on Equity (ROE) | 2.3252% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.3252% | 4,596 |
| Net charge-offs to loans | 0.1159% | 3,650 |
| Credit loss provision to net charge-offs | 260.3306% | 871 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 3,252 |
| Efficiency ratio | 87.4263% | 1,279 |
| Assets per employee ($millions) | 4.2294% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 1,482 |
| Loan loss allowance to noncurrent loans | 1,411.1111% | 397 |
| Noncurrent assets plus other real estate owned to assets | 5.5557% | 379 |
| Noncurrent loans to loans | 0.1441% | 5,764 |
| Net loans and leases to total assets | 76.5882% | 996 |
| Net loans and leases to deposits | 91.8188% | 1,074 |
| Net loans and leases to core deposits | 95.5269% | 1,489 |
| Total domestic deposits to total assets | 83.4123% | 4,392 |
| Equity capital to assets | 11.8575% | 1,902 |
| Core capital (leverage) ratio | 12.2416% | 1,473 |
| Tier 1 risk-based capital ratio | 14.3853% | 4,025 |
| Total risk-based capital ratio | 15.6433% | 3,966 |
| Memoranda: | ||
| Average total assets | $136,619,800 | 3,944 |
| Average earning assets | $123,267,200 | 3,983 |
| Average equity | $16,343,000 | 3,647 |
| Average total loans | $104,417,600 | 3,356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,030 |
| Cost of funding earning assets | 0.6724% | 2,158 |
| Net interest margin | 3.8810% | 2,339 |
| Noninterest income to average assets | 0.2888% | 5,384 |
| Noninterest expense to average assets | 3.4543% | 1,708 |
| Loan and lease loss provision to assets | 0.2126% | 1,712 |
| Net operating income to assets | 0.1266% | 6,084 |
| Return on assets (ROA) | 0.1335% | 6,139 |
| Pretax return on assets | 0.1335% | 6,166 |
| Return on Equity (ROE) | 1.1134% | 6,155 |
| Retained earnings to average equity (ytd only) | 1.1134% | 5,531 |
| Net charge-offs to loans | 0.1797% | 2,787 |
| Credit loss provision to net charge-offs | 155.7971% | 1,519 |
| Earnings coverage of net charge-offs (x) | 2.4854% | 4,006 |
| Efficiency ratio | 91.0584% | 916 |
| Assets per employee ($millions) | 4.2028% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9628% | 1,819 |
| Loan loss allowance to noncurrent loans | 641.7160% | 708 |
| Noncurrent assets plus other real estate owned to assets | 5.4163% | 488 |
| Noncurrent loans to loans | 0.3059% | 5,463 |
| Net loans and leases to total assets | 78.1114% | 734 |
| Net loans and leases to deposits | 92.7161% | 924 |
| Net loans and leases to core deposits | 96.1277% | 1,384 |
| Total domestic deposits to total assets | 84.2479% | 4,086 |
| Equity capital to assets | 11.7273% | 2,109 |
| Core capital (leverage) ratio | 12.0222% | 1,658 |
| Tier 1 risk-based capital ratio | 13.4632% | 4,782 |
| Total risk-based capital ratio | 14.6819% | 4,753 |
| Memoranda: | ||
| Average total assets | $134,825,000 | 4,018 |
| Average earning assets | $121,752,250 | 4,056 |
| Average equity | $16,166,000 | 3,716 |
| Average total loans | $102,417,250 | 3,417 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,420 |
| Cost of funding earning assets | 0.7187% | 1,929 |
| Net interest margin | 3.7208% | 2,881 |
| Noninterest income to average assets | 0.3460% | 4,924 |
| Noninterest expense to average assets | 3.4373% | 1,745 |
| Loan and lease loss provision to assets | 0.1797% | 2,114 |
| Net operating income to assets | 0.0944% | 6,142 |
| Return on assets (ROA) | 0.1048% | 6,213 |
| Pretax return on assets | 0.1048% | 6,226 |
| Return on Equity (ROE) | 0.8678% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.8678% | 5,552 |
| Net charge-offs to loans | 0.2808% | 2,077 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.3071% | 4,110 |
| Efficiency ratio | 92.6150% | 851 |
| Assets per employee ($millions) | 4.1672% | 3,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 1,956 |
| Loan loss allowance to noncurrent loans | 74.8825% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 5.8987% | 465 |
| Noncurrent loans to loans | 2.6093% | 1,757 |
| Net loans and leases to total assets | 77.9694% | 752 |
| Net loans and leases to deposits | 96.5574% | 632 |
| Net loans and leases to core deposits | 99.4947% | 1,118 |
| Total domestic deposits to total assets | 80.7493% | 5,408 |
| Equity capital to assets | 12.0502% | 1,883 |
| Core capital (leverage) ratio | 12.2767% | 1,463 |
| Tier 1 risk-based capital ratio | 14.1319% | 4,337 |
| Total risk-based capital ratio | 15.3599% | 4,311 |
| Memoranda: | ||
| Average total assets | $133,535,670 | 4,066 |
| Average earning assets | $120,781,330 | 4,109 |
| Average equity | $16,133,000 | 3,750 |
| Average total loans | $99,721,670 | 3,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,016 |
| Cost of funding earning assets | 0.7641% | 1,756 |
| Net interest margin | 3.5081% | 3,659 |
| Noninterest income to average assets | 0.5029% | 3,750 |
| Noninterest expense to average assets | 3.4394% | 1,740 |
| Loan and lease loss provision to assets | 0.1796% | 2,066 |
| Net operating income to assets | 0.0449% | 6,267 |
| Return on assets (ROA) | 0.0449% | 6,351 |
| Pretax return on assets | 0.0449% | 6,348 |
| Return on Equity (ROE) | 0.3712% | 6,357 |
| Retained earnings to average equity (ytd only) | 0.3712% | 5,671 |
| Net charge-offs to loans | 0.4060% | 1,441 |
| Credit loss provision to net charge-offs | 61.2245% | 2,426 |
| Earnings coverage of net charge-offs (x) | 0.7653% | 3,577 |
| Efficiency ratio | 93.8725% | 844 |
| Assets per employee ($millions) | 4.7745% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0255% | 1,978 |
| Loan loss allowance to noncurrent loans | 68.3073% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 6.1001% | 523 |
| Noncurrent loans to loans | 2.9653% | 1,695 |
| Net loans and leases to total assets | 74.3182% | 1,032 |
| Net loans and leases to deposits | 91.2550% | 867 |
| Net loans and leases to core deposits | 93.9864% | 1,346 |
| Total domestic deposits to total assets | 81.4401% | 5,384 |
| Equity capital to assets | 12.0948% | 1,979 |
| Core capital (leverage) ratio | 12.0374% | 1,542 |
| Tier 1 risk-based capital ratio | 14.6360% | 4,078 |
| Total risk-based capital ratio | 15.8682% | 4,056 |
| Memoranda: | ||
| Average total assets | $133,628,000 | 4,108 |
| Average earning assets | $120,406,500 | 4,147 |
| Average equity | $16,165,000 | 3,793 |
| Average total loans | $96,560,000 | 3,604 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 2,965 |
| Cost of funding earning assets | 0.9470% | 1,660 |
| Net interest margin | 3.6614% | 3,823 |
| Noninterest income to average assets | -0.0383% | 6,875 |
| Noninterest expense to average assets | 3.6842% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.4918% | 6,562 |
| Return on assets (ROA) | -0.4827% | 6,595 |
| Pretax return on assets | -0.4827% | 6,559 |
| Return on Equity (ROE) | -3.5195% | 6,523 |
| Retained earnings to average equity (ytd only) | -3.5195% | 6,310 |
| Net charge-offs to loans | -0.0228% | 6,574 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4067% | 257 |
| Assets per employee ($millions) | 4.6059% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 1,395 |
| Loan loss allowance to noncurrent loans | 58.1596% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 7.9269% | 353 |
| Noncurrent loans to loans | 3.9220% | 1,217 |
| Net loans and leases to total assets | 67.0967% | 2,345 |
| Net loans and leases to deposits | 82.4344% | 1,947 |
| Net loans and leases to core deposits | 84.7015% | 2,466 |
| Total domestic deposits to total assets | 81.3940% | 5,281 |
| Equity capital to assets | 12.0993% | 1,984 |
| Core capital (leverage) ratio | 12.6948% | 1,241 |
| Tier 1 risk-based capital ratio | 15.8537% | 3,240 |
| Total risk-based capital ratio | 17.0860% | 3,205 |
| Memoranda: | ||
| Average total assets | $120,160,200 | 4,359 |
| Average earning assets | $106,024,400 | 4,449 |
| Average equity | $16,479,800 | 3,708 |
| Average total loans | $83,244,400 | 3,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,942 |
| Cost of funding earning assets | 0.9909% | 1,619 |
| Net interest margin | 3.6751% | 3,902 |
| Noninterest income to average assets | 0.2157% | 5,995 |
| Noninterest expense to average assets | 3.6812% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2351% | 6,518 |
| Return on assets (ROA) | -0.2226% | 6,583 |
| Pretax return on assets | -0.2226% | 6,554 |
| Return on Equity (ROE) | -1.5700% | 6,536 |
| Retained earnings to average equity (ytd only) | -1.5700% | 6,344 |
| Net charge-offs to loans | -0.0263% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8235% | 364 |
| Assets per employee ($millions) | 4.3883% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2862% | 1,546 |
| Loan loss allowance to noncurrent loans | 38.4290% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 9.2990% | 281 |
| Noncurrent loans to loans | 5.9492% | 688 |
| Net loans and leases to total assets | 72.6645% | 1,443 |
| Net loans and leases to deposits | 93.4530% | 829 |
| Net loans and leases to core deposits | 95.3553% | 1,455 |
| Total domestic deposits to total assets | 77.7551% | 6,125 |
| Equity capital to assets | 13.5123% | 1,344 |
| Core capital (leverage) ratio | 14.0629% | 815 |
| Tier 1 risk-based capital ratio | 16.3002% | 3,111 |
| Total risk-based capital ratio | 17.5198% | 3,089 |
| Memoranda: | ||
| Average total assets | $116,807,750 | 4,466 |
| Average earning assets | $102,670,000 | 4,583 |
| Average equity | $16,559,500 | 3,725 |
| Average total loans | $81,127,250 | 4,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 3,631 |
| Cost of funding earning assets | 1.0387% | 1,534 |
| Net interest margin | 3.4947% | 4,689 |
| Noninterest income to average assets | 0.1342% | 6,518 |
| Noninterest expense to average assets | 3.5997% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.4112% | 6,690 |
| Return on assets (ROA) | -0.3920% | 6,726 |
| Pretax return on assets | -0.3920% | 6,696 |
| Return on Equity (ROE) | -2.7199% | 6,659 |
| Retained earnings to average equity (ytd only) | -2.7199% | 6,433 |
| Net charge-offs to loans | -0.0309% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8962% | 295 |
| Assets per employee ($millions) | 4.2952% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4316% | 1,372 |
| Loan loss allowance to noncurrent loans | 36.4336% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 10.5243% | 236 |
| Noncurrent loans to loans | 6.6741% | 609 |
| Net loans and leases to total assets | 72.1049% | 1,539 |
| Net loans and leases to deposits | 94.0618% | 763 |
| Net loans and leases to core deposits | 95.9859% | 1,428 |
| Total domestic deposits to total assets | 76.6569% | 6,381 |
| Equity capital to assets | 14.2037% | 1,013 |
| Core capital (leverage) ratio | 14.6929% | 655 |
| Tier 1 risk-based capital ratio | 17.0264% | 2,650 |
| Total risk-based capital ratio | 18.2456% | 2,626 |
| Memoranda: | ||
| Average total assets | $114,786,000 | 4,538 |
| Average earning assets | $100,322,330 | 4,662 |
| Average equity | $16,545,000 | 3,721 |
| Average total loans | $77,711,670 | 4,163 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 3,886 |
| Cost of funding earning assets | 1.0752% | 1,520 |
| Net interest margin | 3.4301% | 4,995 |
| Noninterest income to average assets | -0.0105% | 7,118 |
| Noninterest expense to average assets | 3.5098% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.5254% | 6,840 |
| Return on assets (ROA) | -0.5254% | 6,871 |
| Pretax return on assets | -0.5254% | 6,841 |
| Return on Equity (ROE) | -3.6185% | 6,782 |
| Retained earnings to average equity (ytd only) | -3.6185% | 6,456 |
| Net charge-offs to loans | -0.0271% | 6,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6056% | 246 |
| Assets per employee ($millions) | 4.2552% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6981% | 1,116 |
| Loan loss allowance to noncurrent loans | 36.1643% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 11.6582% | 218 |
| Noncurrent loans to loans | 7.4607% | 568 |
| Net loans and leases to total assets | 67.7353% | 2,159 |
| Net loans and leases to deposits | 88.6464% | 1,090 |
| Net loans and leases to core deposits | 89.4709% | 1,904 |
| Total domestic deposits to total assets | 76.4107% | 6,497 |
| Equity capital to assets | 14.9483% | 757 |
| Core capital (leverage) ratio | 14.7448% | 645 |
| Tier 1 risk-based capital ratio | 18.7020% | 2,078 |
| Total risk-based capital ratio | 19.9227% | 2,057 |
| Memoranda: | ||
| Average total assets | $114,194,000 | 4,594 |
| Average earning assets | $99,706,000 | 4,704 |
| Average equity | $16,581,500 | 3,717 |
| Average total loans | $73,715,500 | 4,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 4,424 |
| Cost of funding earning assets | 1.3591% | 1,201 |
| Net interest margin | 3.2999% | 5,804 |
| Noninterest income to average assets | 0.5836% | 3,268 |
| Noninterest expense to average assets | 4.0323% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.6928% | 6,605 |
| Return on assets (ROA) | -0.6928% | 6,638 |
| Pretax return on assets | -0.6928% | 6,600 |
| Return on Equity (ROE) | -5.4282% | 6,553 |
| Retained earnings to average equity (ytd only) | -5.4282% | 6,479 |
| Net charge-offs to loans | 0.8867% | 1,961 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -1.2436% | 6,226 |
| Efficiency ratio | 120.7445% | 301 |
| Assets per employee ($millions) | 4.5290% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9426% | 858 |
| Loan loss allowance to noncurrent loans | 35.8974% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 11.0689% | 264 |
| Noncurrent loans to loans | 8.1972% | 483 |
| Net loans and leases to total assets | 58.0384% | 4,360 |
| Net loans and leases to deposits | 74.5904% | 3,403 |
| Net loans and leases to core deposits | 75.2292% | 4,074 |
| Total domestic deposits to total assets | 77.8095% | 6,231 |
| Equity capital to assets | 14.1185% | 1,021 |
| Core capital (leverage) ratio | 15.0716% | 591 |
| Tier 1 risk-based capital ratio | 20.3803% | 1,550 |
| Total risk-based capital ratio | 21.6191% | 1,529 |
| Memoranda: | ||
| Average total assets | $105,374,200 | 4,748 |
| Average earning assets | $88,001,800 | 4,989 |
| Average equity | $13,448,400 | 4,249 |
| Average total loans | $66,197,000 | 4,624 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 3,670 |
| Cost of funding earning assets | 1.4380% | 1,082 |
| Net interest margin | 3.4338% | 5,448 |
| Noninterest income to average assets | 0.4901% | 3,947 |
| Noninterest expense to average assets | 4.1832% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.8604% | 6,827 |
| Return on assets (ROA) | -0.8604% | 6,862 |
| Pretax return on assets | -0.8604% | 6,812 |
| Return on Equity (ROE) | -6.9540% | 6,767 |
| Retained earnings to average equity (ytd only) | -6.9540% | 6,703 |
| Net charge-offs to loans | 1.1810% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -1.1439% | 5,947 |
| Efficiency ratio | 125.8925% | 258 |
| Assets per employee ($millions) | 3.9911% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1404% | 769 |
| Loan loss allowance to noncurrent loans | 35.9089% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 12.3802% | 212 |
| Noncurrent loans to loans | 8.7455% | 471 |
| Net loans and leases to total assets | 59.5902% | 4,211 |
| Net loans and leases to deposits | 74.9073% | 3,520 |
| Net loans and leases to core deposits | 75.8164% | 4,211 |
| Total domestic deposits to total assets | 79.5520% | 5,855 |
| Equity capital to assets | 11.6666% | 2,527 |
| Core capital (leverage) ratio | 11.8560% | 1,786 |
| Tier 1 risk-based capital ratio | 16.3477% | 2,943 |
| Total risk-based capital ratio | 17.5868% | 2,917 |
| Memoranda: | ||
| Average total assets | $102,279,500 | 4,857 |
| Average earning assets | $84,375,500 | 5,148 |
| Average equity | $12,654,250 | 4,415 |
| Average total loans | $65,142,750 | 4,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 3,644 |
| Cost of funding earning assets | 1.4823% | 1,066 |
| Net interest margin | 3.4130% | 5,510 |
| Noninterest income to average assets | 0.2071% | 6,184 |
| Noninterest expense to average assets | 4.2946% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.3141% | 7,038 |
| Return on assets (ROA) | -1.3141% | 7,047 |
| Pretax return on assets | -1.3141% | 6,999 |
| Return on Equity (ROE) | -10.4087% | 6,955 |
| Retained earnings to average equity (ytd only) | -10.4087% | 6,899 |
| Net charge-offs to loans | 1.1242% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -1.8132% | 5,704 |
| Efficiency ratio | 144.0882% | 181 |
| Assets per employee ($millions) | 4.1670% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3340% | 681 |
| Loan loss allowance to noncurrent loans | 39.4059% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 17.5956% | 93 |
| Noncurrent loans to loans | 8.4606% | 509 |
| Net loans and leases to total assets | 63.8758% | 3,495 |
| Net loans and leases to deposits | 80.8304% | 2,637 |
| Net loans and leases to core deposits | 81.8505% | 3,521 |
| Total domestic deposits to total assets | 79.0245% | 6,081 |
| Equity capital to assets | 12.0404% | 2,061 |
| Core capital (leverage) ratio | 12.2784% | 1,466 |
| Tier 1 risk-based capital ratio | 15.3424% | 3,331 |
| Total risk-based capital ratio | 16.5994% | 3,274 |
| Memoranda: | ||
| Average total assets | $100,452,330 | 4,949 |
| Average earning assets | $81,628,000 | 5,278 |
| Average equity | $12,681,670 | 4,406 |
| Average total loans | $64,758,000 | 4,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 3,195 |
| Cost of funding earning assets | 1.5010% | 1,160 |
| Net interest margin | 3.4789% | 5,104 |
| Noninterest income to average assets | 0.2597% | 5,814 |
| Noninterest expense to average assets | 4.6535% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5823% | 7,217 |
| Return on assets (ROA) | -1.5823% | 7,218 |
| Pretax return on assets | -1.5823% | 7,184 |
| Return on Equity (ROE) | -12.2343% | 7,081 |
| Retained earnings to average equity (ytd only) | -12.2343% | 6,950 |
| Net charge-offs to loans | 2.1493% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.1573% | 4,909 |
| Efficiency ratio | 151.5192% | 154 |
| Assets per employee ($millions) | 3.7802% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8003% | 490 |
| Loan loss allowance to noncurrent loans | 66.8971% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 17.9602% | 90 |
| Noncurrent loans to loans | 5.6809% | 1,145 |
| Net loans and leases to total assets | 59.8042% | 4,309 |
| Net loans and leases to deposits | 77.0374% | 3,246 |
| Net loans and leases to core deposits | 78.0854% | 4,003 |
| Total domestic deposits to total assets | 77.6301% | 6,426 |
| Equity capital to assets | 12.7996% | 1,473 |
| Core capital (leverage) ratio | 13.2630% | 1,039 |
| Tier 1 risk-based capital ratio | 16.9632% | 2,490 |
| Total risk-based capital ratio | 18.2290% | 2,455 |
| Memoranda: | ||
| Average total assets | $98,591,500 | 5,035 |
| Average earning assets | $79,681,500 | 5,371 |
| Average equity | $12,751,000 | 4,397 |
| Average total loans | $62,718,500 | 4,880 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 6,577 |
| Cost of funding earning assets | 2.0207% | 563 |
| Net interest margin | 2.4005% | 7,319 |
| Noninterest income to average assets | 0.7851% | 2,352 |
| Noninterest expense to average assets | 4.6796% | 558 |
| Loan and lease loss provision to assets | 0.9427% | 1,734 |
| Net operating income to assets | -2.8329% | 7,254 |
| Return on assets (ROA) | -2.8329% | 7,279 |
| Pretax return on assets | -2.8329% | 7,256 |
| Return on Equity (ROE) | -24.4171% | 7,120 |
| Retained earnings to average equity (ytd only) | -24.4171% | 7,099 |
| Net charge-offs to loans | 2.5632% | 728 |
| Credit loss provision to net charge-offs | 55.0847% | 6,177 |
| Earnings coverage of net charge-offs (x) | -1.1045% | 6,628 |
| Efficiency ratio | 167.7643% | 140 |
| Assets per employee ($millions) | 3.9560% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1329% | 357 |
| Loan loss allowance to noncurrent loans | 31.7341% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 18.8384% | 81 |
| Noncurrent loans to loans | 13.0236% | 235 |
| Net loans and leases to total assets | 62.3646% | 4,209 |
| Net loans and leases to deposits | 80.4282% | 3,090 |
| Net loans and leases to core deposits | 81.2461% | 4,015 |
| Total domestic deposits to total assets | 77.5407% | 6,395 |
| Equity capital to assets | 13.0659% | 1,364 |
| Core capital (leverage) ratio | 12.9884% | 1,133 |
| Tier 1 risk-based capital ratio | 17.5406% | 2,159 |
| Total risk-based capital ratio | 18.8095% | 2,114 |
| Memoranda: | ||
| Average total assets | $103,427,400 | 4,890 |
| Average earning assets | $86,357,800 | 5,136 |
| Average equity | $11,999,800 | 4,603 |
| Average total loans | $69,055,600 | 4,714 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 6,841 |
| Cost of funding earning assets | 2.1251% | 490 |
| Net interest margin | 2.2593% | 7,496 |
| Noninterest income to average assets | 1.3708% | 720 |
| Noninterest expense to average assets | 4.5077% | 584 |
| Loan and lease loss provision to assets | 1.2433% | 1,136 |
| Net operating income to assets | -2.4917% | 7,347 |
| Return on assets (ROA) | -2.4917% | 7,361 |
| Pretax return on assets | -2.4917% | 7,313 |
| Return on Equity (ROE) | -22.1362% | 7,261 |
| Retained earnings to average equity (ytd only) | -22.1362% | 7,247 |
| Net charge-offs to loans | 3.4550% | 400 |
| Credit loss provision to net charge-offs | 53.5714% | 5,835 |
| Earnings coverage of net charge-offs (x) | -0.5379% | 6,339 |
| Efficiency ratio | 138.3020% | 255 |
| Assets per employee ($millions) | 4.0868% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2317% | 303 |
| Loan loss allowance to noncurrent loans | 29.3906% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 21.3049% | 45 |
| Noncurrent loans to loans | 14.3981% | 177 |
| Net loans and leases to total assets | 57.7915% | 5,289 |
| Net loans and leases to deposits | 74.9264% | 4,354 |
| Net loans and leases to core deposits | 76.4673% | 4,999 |
| Total domestic deposits to total assets | 77.1310% | 6,452 |
| Equity capital to assets | 13.7684% | 1,251 |
| Core capital (leverage) ratio | 13.5994% | 1,029 |
| Tier 1 risk-based capital ratio | 18.8437% | 1,787 |
| Total risk-based capital ratio | 20.1113% | 1,749 |
| Memoranda: | ||
| Average total assets | $104,559,500 | 4,919 |
| Average earning assets | $87,399,500 | 5,163 |
| Average equity | $11,769,250 | 4,750 |
| Average total loans | $70,235,250 | 4,749 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 6,771 |
| Cost of funding earning assets | 2.1597% | 533 |
| Net interest margin | 2.3044% | 7,530 |
| Noninterest income to average assets | 1.6743% | 459 |
| Noninterest expense to average assets | 5.0040% | 374 |
| Loan and lease loss provision to assets | 1.8509% | 672 |
| Net operating income to assets | -3.2158% | 7,536 |
| Return on assets (ROA) | -3.2158% | 7,540 |
| Pretax return on assets | -3.2158% | 7,502 |
| Return on Equity (ROE) | -30.7907% | 7,442 |
| Retained earnings to average equity (ytd only) | -30.7907% | 7,429 |
| Net charge-offs to loans | 4.7965% | 226 |
| Credit loss provision to net charge-offs | 55.6189% | 5,304 |
| Earnings coverage of net charge-offs (x) | -0.4102% | 5,987 |
| Efficiency ratio | 137.5065% | 263 |
| Assets per employee ($millions) | 4.5274% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9037% | 398 |
| Loan loss allowance to noncurrent loans | 20.1097% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 20.2783% | 54 |
| Noncurrent loans to loans | 19.4120% | 95 |
| Net loans and leases to total assets | 63.2847% | 4,400 |
| Net loans and leases to deposits | 78.3411% | 3,907 |
| Net loans and leases to core deposits | 80.1350% | 4,677 |
| Total domestic deposits to total assets | 80.7809% | 5,479 |
| Equity capital to assets | 10.5204% | 3,382 |
| Core capital (leverage) ratio | 10.4679% | 2,653 |
| Tier 1 risk-based capital ratio | 14.3747% | 3,506 |
| Total risk-based capital ratio | 15.6446% | 3,467 |
| Memoranda: | ||
| Average total assets | $105,356,330 | 4,936 |
| Average earning assets | $89,828,330 | 5,101 |
| Average equity | $11,003,330 | 4,920 |
| Average total loans | $73,095,670 | 4,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 6,549 |
| Cost of funding earning assets | 2.2650% | 476 |
| Net interest margin | 2.3407% | 7,568 |
| Noninterest income to average assets | 2.1629% | 304 |
| Noninterest expense to average assets | 4.9713% | 374 |
| Loan and lease loss provision to assets | 3.6803% | 248 |
| Net operating income to assets | -4.5070% | 7,750 |
| Return on assets (ROA) | -4.5070% | 7,756 |
| Pretax return on assets | -4.5070% | 7,724 |
| Return on Equity (ROE) | -43.3099% | 7,670 |
| Retained earnings to average equity (ytd only) | -43.3099% | 7,656 |
| Net charge-offs to loans | 4.1351% | 315 |
| Credit loss provision to net charge-offs | 125.1605% | 2,804 |
| Earnings coverage of net charge-offs (x) | -0.2811% | 5,198 |
| Efficiency ratio | 119.9454% | 442 |
| Assets per employee ($millions) | 4.2513% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9872% | 177 |
| Loan loss allowance to noncurrent loans | 28.9326% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 19.4135% | 59 |
| Noncurrent loans to loans | 17.2374% | 127 |
| Net loans and leases to total assets | 68.1708% | 3,349 |
| Net loans and leases to deposits | 84.7469% | 2,809 |
| Net loans and leases to core deposits | 87.0843% | 3,736 |
| Total domestic deposits to total assets | 80.4405% | 5,641 |
| Equity capital to assets | 10.6222% | 3,125 |
| Core capital (leverage) ratio | 9.9391% | 3,243 |
| Tier 1 risk-based capital ratio | 13.4593% | 4,018 |
| Total risk-based capital ratio | 14.7411% | 3,953 |
| Memoranda: | ||
| Average total assets | $105,969,000 | 4,978 |
| Average earning assets | $89,715,000 | 5,176 |
| Average equity | $11,027,500 | 4,968 |
| Average total loans | $75,355,500 | 4,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 6,751 |
| Cost of funding earning assets | 2.8703% | 345 |
| Net interest margin | 2.0135% | 7,735 |
| Noninterest income to average assets | 0.3142% | 5,832 |
| Noninterest expense to average assets | 3.6906% | 1,931 |
| Loan and lease loss provision to assets | 2.9709% | 586 |
| Net operating income to assets | -4.5148% | 7,681 |
| Return on assets (ROA) | -4.5148% | 7,680 |
| Pretax return on assets | -4.5148% | 7,644 |
| Return on Equity (ROE) | -46.3823% | 7,644 |
| Retained earnings to average equity (ytd only) | -46.3823% | 7,633 |
| Net charge-offs to loans | 3.2975% | 611 |
| Credit loss provision to net charge-offs | 123.4208% | 4,275 |
| Earnings coverage of net charge-offs (x) | -0.6414% | 6,774 |
| Efficiency ratio | 171.9215% | 216 |
| Assets per employee ($millions) | 4.2272% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4578% | 259 |
| Loan loss allowance to noncurrent loans | 38.8726% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 16.0737% | 116 |
| Noncurrent loans to loans | 11.4678% | 312 |
| Net loans and leases to total assets | 67.3748% | 3,841 |
| Net loans and leases to deposits | 82.9764% | 3,455 |
| Net loans and leases to core deposits | 106.5469% | 3,266 |
| Total domestic deposits to total assets | 81.1976% | 5,267 |
| Equity capital to assets | 10.2060% | 3,505 |
| Core capital (leverage) ratio | 9.6015% | 3,594 |
| Tier 1 risk-based capital ratio | 13.2448% | 3,988 |
| Total risk-based capital ratio | 14.5147% | 3,917 |
| Memoranda: | ||
| Average total assets | $128,245,800 | 4,376 |
| Average earning assets | $116,712,800 | 4,381 |
| Average equity | $12,483,200 | 4,635 |
| Average total loans | $93,615,000 | 4,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 7,145 |
| Cost of funding earning assets | 2.9805% | 348 |
| Net interest margin | 1.8074% | 7,883 |
| Noninterest income to average assets | 0.0482% | 7,662 |
| Noninterest expense to average assets | 3.4078% | 2,553 |
| Loan and lease loss provision to assets | 3.8243% | 322 |
| Net operating income to assets | -5.5136% | 7,886 |
| Return on assets (ROA) | -5.5136% | 7,886 |
| Pretax return on assets | -5.5136% | 7,867 |
| Return on Equity (ROE) | -57.2185% | 7,883 |
| Retained earnings to average equity (ytd only) | -57.2185% | 7,881 |
| Net charge-offs to loans | 4.0309% | 346 |
| Credit loss provision to net charge-offs | 129.0650% | 3,884 |
| Earnings coverage of net charge-offs (x) | -0.5701% | 6,501 |
| Efficiency ratio | 198.3061% | 158 |
| Assets per employee ($millions) | 4.7428% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1022% | 276 |
| Loan loss allowance to noncurrent loans | 24.7007% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 16.2498% | 95 |
| Noncurrent loans to loans | 16.6074% | 113 |
| Net loans and leases to total assets | 68.0591% | 3,946 |
| Net loans and leases to deposits | 81.6328% | 4,087 |
| Net loans and leases to core deposits | 107.5479% | 3,529 |
| Total domestic deposits to total assets | 83.3723% | 4,028 |
| Equity capital to assets | 9.0972% | 5,344 |
| Core capital (leverage) ratio | 8.4799% | 5,532 |
| Tier 1 risk-based capital ratio | 12.1482% | 4,842 |
| Total risk-based capital ratio | 13.4112% | 4,781 |
| Memoranda: | ||
| Average total assets | $132,830,750 | 4,302 |
| Average earning assets | $122,750,000 | 4,282 |
| Average equity | $12,799,750 | 4,585 |
| Average total loans | $97,642,750 | 4,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 7,096 |
| Cost of funding earning assets | 3.0113% | 456 |
| Net interest margin | 1.8581% | 7,924 |
| Noninterest income to average assets | 0.0338% | 7,819 |
| Noninterest expense to average assets | 3.4558% | 2,481 |
| Loan and lease loss provision to assets | 3.3484% | 435 |
| Net operating income to assets | -5.0337% | 7,937 |
| Return on assets (ROA) | -5.0337% | 7,931 |
| Pretax return on assets | -5.0337% | 7,865 |
| Return on Equity (ROE) | -51.3694% | 7,922 |
| Retained earnings to average equity (ytd only) | -51.3694% | 7,919 |
| Net charge-offs to loans | 4.2943% | 311 |
| Credit loss provision to net charge-offs | 104.9793% | 4,380 |
| Earnings coverage of net charge-offs (x) | -0.5284% | 6,087 |
| Efficiency ratio | 195.1827% | 209 |
| Assets per employee ($millions) | 5.2504% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8847% | 626 |
| Loan loss allowance to noncurrent loans | 25.8252% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 10.4725% | 255 |
| Noncurrent loans to loans | 11.1703% | 265 |
| Net loans and leases to total assets | 70.0381% | 3,700 |
| Net loans and leases to deposits | 82.8487% | 4,073 |
| Net loans and leases to core deposits | 107.2126% | 3,701 |
| Total domestic deposits to total assets | 84.5374% | 3,480 |
| Equity capital to assets | 8.4624% | 6,100 |
| Core capital (leverage) ratio | 8.4707% | 5,494 |
| Tier 1 risk-based capital ratio | 10.9348% | 5,951 |
| Total risk-based capital ratio | 12.1746% | 5,901 |
| Memoranda: | ||
| Average total assets | $136,003,670 | 4,260 |
| Average earning assets | $127,120,330 | 4,198 |
| Average equity | $13,327,000 | 4,462 |
| Average total loans | $101,018,670 | 3,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9760% | 6,991 |
| Cost of funding earning assets | 3.1378% | 409 |
| Net interest margin | 1.8382% | 7,961 |
| Noninterest income to average assets | 0.0501% | 7,832 |
| Noninterest expense to average assets | 2.9495% | 3,976 |
| Loan and lease loss provision to assets | 2.9466% | 371 |
| Net operating income to assets | -4.1164% | 7,988 |
| Return on assets (ROA) | -4.1164% | 7,983 |
| Pretax return on assets | -4.1164% | 7,918 |
| Return on Equity (ROE) | -39.3120% | 7,979 |
| Retained earnings to average equity (ytd only) | -39.3120% | 7,957 |
| Net charge-offs to loans | 2.8543% | 456 |
| Credit loss provision to net charge-offs | 136.9863% | 2,962 |
| Earnings coverage of net charge-offs (x) | -0.5438% | 5,270 |
| Efficiency ratio | 165.7285% | 286 |
| Assets per employee ($millions) | 5.7745% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9457% | 504 |
| Loan loss allowance to noncurrent loans | 26.5687% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 9.1551% | 269 |
| Noncurrent loans to loans | 11.0870% | 219 |
| Net loans and leases to total assets | 71.3693% | 3,384 |
| Net loans and leases to deposits | 85.5327% | 3,712 |
| Net loans and leases to core deposits | 110.2946% | 3,393 |
| Total domestic deposits to total assets | 83.4410% | 3,938 |
| Equity capital to assets | 9.7648% | 4,288 |
| Core capital (leverage) ratio | 9.7686% | 3,671 |
| Tier 1 risk-based capital ratio | 12.0241% | 4,943 |
| Total risk-based capital ratio | 13.2919% | 4,818 |
| Memoranda: | ||
| Average total assets | $135,750,500 | 4,293 |
| Average earning assets | $127,732,500 | 4,199 |
| Average equity | $14,214,500 | 4,290 |
| Average total loans | $102,303,500 | 3,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7720% | 1,784 |
| Cost of funding earning assets | 3.2330% | 1,092 |
| Net interest margin | 3.5390% | 5,151 |
| Noninterest income to average assets | 0.0925% | 7,670 |
| Noninterest expense to average assets | 3.6005% | 2,142 |
| Loan and lease loss provision to assets | 3.9589% | 168 |
| Net operating income to assets | -4.0446% | 7,994 |
| Return on assets (ROA) | -4.0446% | 7,980 |
| Pretax return on assets | -4.1245% | 7,914 |
| Return on Equity (ROE) | -25.9891% | 7,879 |
| Retained earnings to average equity (ytd only) | -25.9891% | 7,828 |
| Net charge-offs to loans | 2.5797% | 360 |
| Credit loss provision to net charge-offs | 180.7388% | 2,782 |
| Earnings coverage of net charge-offs (x) | -0.0756% | 6,303 |
| Efficiency ratio | 104.8233% | 843 |
| Assets per employee ($millions) | 5.1120% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6603% | 578 |
| Loan loss allowance to noncurrent loans | 25.9056% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 7.9346% | 297 |
| Noncurrent loans to loans | 10.2692% | 198 |
| Net loans and leases to total assets | 75.2099% | 2,829 |
| Net loans and leases to deposits | 92.0054% | 3,133 |
| Net loans and leases to core deposits | 116.0673% | 3,110 |
| Total domestic deposits to total assets | 81.7451% | 4,299 |
| Equity capital to assets | 11.2074% | 2,881 |
| Core capital (leverage) ratio | 11.4615% | 2,278 |
| Tier 1 risk-based capital ratio | 13.2241% | 3,981 |
| Total risk-based capital ratio | 14.4892% | 3,885 |
| Memoranda: | ||
| Average total assets | $103,818,000 | 4,940 |
| Average earning assets | $98,051,400 | 4,863 |
| Average equity | $16,156,800 | 3,896 |
| Average total loans | $88,150,200 | 4,286 |