Home > Mountain Valley Bank > Performance and Condition Ratios
Mountain Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 2,491 |
| Cost of funding earning assets | 1.9950% | 926 |
| Net interest margin | 2.7950% | 3,677 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.4512% | 2,438 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.2868% | 4,049 |
| Return on assets (ROA) | 0.2868% | 4,050 |
| Pretax return on assets | 0.3676% | 4,010 |
| Return on Equity (ROE) | 3.2500% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.2476% | 3,207 |
| Net charge-offs to loans | 0.0098% | 2,289 |
| Credit loss provision to net charge-offs | 1,524.2424% | 287 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 1,119 |
| Efficiency ratio | 83.8595% | 667 |
| Assets per employee ($millions) | 10.0727% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 2,883 |
| Loan loss allowance to noncurrent loans | 343.4142% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,164 |
| Noncurrent loans to loans | 0.3177% | 2,048 |
| Net loans and leases to total assets | 66.0400% | 2,251 |
| Net loans and leases to deposits | 85.2844% | 1,669 |
| Net loans and leases to core deposits | 99.7083% | 1,454 |
| Total domestic deposits to total assets | 77.4400% | 3,794 |
| Equity capital to assets | 8.8293% | 2,800 |
| Core capital (leverage) ratio | 9.0854% | 3,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $515,018,800 | 1,700 |
| Average earning assets | $479,745,000 | 1,687 |
| Average equity | $45,479,800 | 1,721 |
| Average total loans | $337,594,800 | 1,655 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 2,628 |
| Cost of funding earning assets | 1.8212% | 980 |
| Net interest margin | 2.8016% | 3,722 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4855% | 2,279 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.2500% | 4,175 |
| Return on assets (ROA) | 0.2500% | 4,185 |
| Pretax return on assets | 0.3240% | 4,142 |
| Return on Equity (ROE) | 2.8300% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.8305% | 3,547 |
| Net charge-offs to loans | 0.0024% | 2,463 |
| Credit loss provision to net charge-offs | 3,533.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 262.8333% | 494 |
| Efficiency ratio | 84.5966% | 579 |
| Assets per employee ($millions) | 10.1114% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,244 |
| Loan loss allowance to noncurrent loans | 297.5865% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 2,100 |
| Noncurrent loans to loans | 0.3436% | 1,998 |
| Net loans and leases to total assets | 66.8200% | 2,173 |
| Net loans and leases to deposits | 87.2641% | 1,454 |
| Net loans and leases to core deposits | 99.5521% | 1,341 |
| Total domestic deposits to total assets | 76.5700% | 3,967 |
| Equity capital to assets | 8.3741% | 2,812 |
| Core capital (leverage) ratio | 9.0786% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $507,791,500 | 1,715 |
| Average earning assets | $473,529,500 | 1,703 |
| Average equity | $44,843,500 | 1,725 |
| Average total loans | $331,197,250 | 1,676 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 2,732 |
| Cost of funding earning assets | 1.6498% | 970 |
| Net interest margin | 2.8156% | 3,797 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.4633% | 2,311 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3007% | 4,154 |
| Return on assets (ROA) | 0.3007% | 4,182 |
| Pretax return on assets | 0.3970% | 4,122 |
| Return on Equity (ROE) | 3.3400% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.3413% | 3,394 |
| Net charge-offs to loans | 0.0025% | 2,259 |
| Credit loss provision to net charge-offs | 3,525.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 282.5000% | 476 |
| Efficiency ratio | 83.3196% | 636 |
| Assets per employee ($millions) | 8.6521% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 1,823 |
| Loan loss allowance to noncurrent loans | 574.6011% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 2,499 |
| Noncurrent loans to loans | 0.2304% | 2,342 |
| Net loans and leases to total assets | 64.1900% | 2,360 |
| Net loans and leases to deposits | 81.7644% | 1,842 |
| Net loans and leases to core deposits | 92.0011% | 1,685 |
| Total domestic deposits to total assets | 78.5100% | 3,784 |
| Equity capital to assets | 8.9749% | 2,529 |
| Core capital (leverage) ratio | 9.5580% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $498,190,000 | 1,734 |
| Average earning assets | $464,062,333 | 1,727 |
| Average equity | $44,832,333 | 1,728 |
| Average total loans | $320,998,000 | 1,701 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 2,837 |
| Cost of funding earning assets | 1.4217% | 990 |
| Net interest margin | 2.8625% | 3,845 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5046% | 2,234 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.2458% | 4,313 |
| Return on assets (ROA) | 0.2458% | 4,276 |
| Pretax return on assets | 0.3376% | 4,225 |
| Return on Equity (ROE) | 2.7300% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.7275% | 3,562 |
| Net charge-offs to loans | 0.0025% | 1,934 |
| Credit loss provision to net charge-offs | 7,050.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 388 |
| Efficiency ratio | 83.6150% | 611 |
| Assets per employee ($millions) | 10.2130% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,631 |
| Loan loss allowance to noncurrent loans | 502.1574% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,430 |
| Noncurrent loans to loans | 0.2363% | 2,318 |
| Net loans and leases to total assets | 64.5300% | 2,199 |
| Net loans and leases to deposits | 77.9401% | 1,977 |
| Net loans and leases to core deposits | 84.3701% | 1,965 |
| Total domestic deposits to total assets | 82.8000% | 3,334 |
| Equity capital to assets | 8.8795% | 2,605 |
| Core capital (leverage) ratio | 9.5377% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $496,374,500 | 1,752 |
| Average earning assets | $462,816,500 | 1,743 |
| Average equity | $44,729,500 | 1,746 |
| Average total loans | $318,272,000 | 1,730 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 3,171 |
| Cost of funding earning assets | 0.3993% | 2,113 |
| Net interest margin | 3.0639% | 3,279 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.6246% | 1,757 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.3307% | 4,341 |
| Return on assets (ROA) | 0.3307% | 4,310 |
| Pretax return on assets | 0.4256% | 4,253 |
| Return on Equity (ROE) | 3.5300% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.5330% | 3,556 |
| Net charge-offs to loans | 0.0174% | 1,760 |
| Credit loss provision to net charge-offs | 970.8333% | 444 |
| Earnings coverage of net charge-offs (x) | 52.7917% | 1,322 |
| Efficiency ratio | 82.3445% | 578 |
| Assets per employee ($millions) | 9.0962% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,100 |
| Loan loss allowance to noncurrent loans | 507.0385% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,437 |
| Noncurrent loans to loans | 0.2485% | 2,281 |
| Net loans and leases to total assets | 62.0700% | 2,431 |
| Net loans and leases to deposits | 70.3512% | 2,555 |
| Net loans and leases to core deposits | 76.0635% | 2,416 |
| Total domestic deposits to total assets | 88.2300% | 2,004 |
| Equity capital to assets | 9.1508% | 2,262 |
| Core capital (leverage) ratio | 10.0110% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $485,907,400 | 1,755 |
| Average earning assets | $449,493,800 | 1,763 |
| Average equity | $45,486,000 | 1,741 |
| Average total loans | $275,314,000 | 1,838 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 3,289 |
| Cost of funding earning assets | 0.2832% | 2,351 |
| Net interest margin | 2.9769% | 3,280 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.4885% | 2,048 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.3746% | 4,278 |
| Return on assets (ROA) | 0.3746% | 4,225 |
| Pretax return on assets | 0.4803% | 4,176 |
| Return on Equity (ROE) | 3.9800% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.9800% | 3,450 |
| Net charge-offs to loans | 0.0224% | 1,388 |
| Credit loss provision to net charge-offs | 611.1111% | 554 |
| Earnings coverage of net charge-offs (x) | 45.0889% | 1,333 |
| Efficiency ratio | 80.6315% | 731 |
| Assets per employee ($millions) | 8.1192% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 1,955 |
| Loan loss allowance to noncurrent loans | 372.3077% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 2,226 |
| Noncurrent loans to loans | 0.3537% | 1,965 |
| Net loans and leases to total assets | 57.7600% | 2,725 |
| Net loans and leases to deposits | 64.3905% | 2,835 |
| Net loans and leases to core deposits | 70.2486% | 2,622 |
| Total domestic deposits to total assets | 89.7000% | 1,786 |
| Equity capital to assets | 9.2601% | 2,033 |
| Core capital (leverage) ratio | 9.7866% | 2,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $486,859,500 | 1,764 |
| Average earning assets | $449,589,250 | 1,769 |
| Average equity | $45,828,500 | 1,753 |
| Average total loans | $268,377,250 | 1,860 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 3,273 |
| Cost of funding earning assets | 0.2126% | 2,740 |
| Net interest margin | 2.9000% | 3,176 |
| Noninterest income to average assets | 0.2991% | 3,371 |
| Noninterest expense to average assets | 2.2866% | 2,588 |
| Loan and lease loss provision to assets | 0.0744% | 1,295 |
| Net operating income to assets | 0.4767% | 3,954 |
| Return on assets (ROA) | 0.4767% | 3,905 |
| Pretax return on assets | 0.6205% | 3,774 |
| Return on Equity (ROE) | 5.0377% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.0377% | 2,696 |
| Net charge-offs to loans | 0.0316% | 1,093 |
| Credit loss provision to net charge-offs | 435.7143% | 670 |
| Earnings coverage of net charge-offs (x) | 40.7143% | 1,250 |
| Efficiency ratio | 75.5758% | 1,324 |
| Assets per employee ($millions) | 13.2944% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 2,138 |
| Loan loss allowance to noncurrent loans | 371.1740% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,335 |
| Noncurrent loans to loans | 0.3533% | 2,084 |
| Net loans and leases to total assets | 55.6813% | 2,791 |
| Net loans and leases to deposits | 61.8638% | 2,895 |
| Net loans and leases to core deposits | 66.9878% | 2,741 |
| Total domestic deposits to total assets | 90.0062% | 1,703 |
| Equity capital to assets | 9.5168% | 2,003 |
| Core capital (leverage) ratio | 9.6691% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,175,667 | 1,753 |
| Average earning assets | $455,238,000 | 1,767 |
| Average equity | $46,569,000 | 1,775 |
| Average total loans | $265,963,000 | 1,869 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8604% | 3,627 |
| Cost of funding earning assets | 0.2033% | 2,752 |
| Net interest margin | 2.6571% | 3,509 |
| Noninterest income to average assets | 0.2854% | 3,420 |
| Noninterest expense to average assets | 2.2663% | 2,628 |
| Loan and lease loss provision to assets | 0.0738% | 1,126 |
| Net operating income to assets | 0.3054% | 4,132 |
| Return on assets (ROA) | 0.3054% | 4,103 |
| Pretax return on assets | 0.4080% | 4,019 |
| Return on Equity (ROE) | 3.2370% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.2370% | 3,185 |
| Net charge-offs to loans | 0.0424% | 858 |
| Credit loss provision to net charge-offs | 328.5714% | 643 |
| Earnings coverage of net charge-offs (x) | 21.4643% | 1,257 |
| Efficiency ratio | 81.2719% | 1,044 |
| Assets per employee ($millions) | 9.1977% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,354 |
| Loan loss allowance to noncurrent loans | 360.4579% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,476 |
| Noncurrent loans to loans | 0.3612% | 2,186 |
| Net loans and leases to total assets | 52.8686% | 2,897 |
| Net loans and leases to deposits | 58.5614% | 3,028 |
| Net loans and leases to core deposits | 63.5088% | 2,835 |
| Total domestic deposits to total assets | 90.2788% | 1,396 |
| Equity capital to assets | 9.2916% | 2,448 |
| Core capital (leverage) ratio | 9.1991% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $498,965,000 | 1,735 |
| Average earning assets | $462,460,500 | 1,751 |
| Average equity | $47,080,000 | 1,813 |
| Average total loans | $263,929,500 | 1,865 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2608% | 3,322 |
| Cost of funding earning assets | 0.2376% | 3,065 |
| Net interest margin | 3.0232% | 3,136 |
| Noninterest income to average assets | 0.7374% | 1,629 |
| Noninterest expense to average assets | 2.2915% | 2,822 |
| Loan and lease loss provision to assets | 0.1625% | 725 |
| Net operating income to assets | 0.8551% | 3,170 |
| Return on assets (ROA) | 0.8551% | 3,237 |
| Pretax return on assets | 1.1129% | 2,923 |
| Return on Equity (ROE) | 9.4942% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.4942% | 1,046 |
| Net charge-offs to loans | 0.0205% | 1,865 |
| Credit loss provision to net charge-offs | 1,388.0952% | 413 |
| Earnings coverage of net charge-offs (x) | 108.9524% | 841 |
| Efficiency ratio | 62.9005% | 2,729 |
| Assets per employee ($millions) | 9.6395% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,363 |
| Loan loss allowance to noncurrent loans | 336.3007% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,558 |
| Noncurrent loans to loans | 0.3862% | 2,203 |
| Net loans and leases to total assets | 51.5526% | 3,115 |
| Net loans and leases to deposits | 57.2677% | 3,312 |
| Net loans and leases to core deposits | 62.0549% | 3,156 |
| Total domestic deposits to total assets | 90.0204% | 944 |
| Equity capital to assets | 9.5782% | 3,065 |
| Core capital (leverage) ratio | 11.5996% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,804,800 | 2,154 |
| Average earning assets | $335,805,600 | 2,157 |
| Average equity | $32,314,400 | 2,412 |
| Average total loans | $204,381,000 | 2,211 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 2,742 |
| Cost of funding earning assets | 0.2676% | 2,927 |
| Net interest margin | 3.2640% | 2,535 |
| Noninterest income to average assets | 0.7690% | 1,621 |
| Noninterest expense to average assets | 2.3119% | 2,719 |
| Loan and lease loss provision to assets | 0.1337% | 857 |
| Net operating income to assets | 1.0359% | 2,784 |
| Return on assets (ROA) | 1.0359% | 2,845 |
| Pretax return on assets | 1.3878% | 2,389 |
| Return on Equity (ROE) | 11.7925% | 2,121 |
| Retained earnings to average equity (ytd only) | 11.7925% | 880 |
| Net charge-offs to loans | 0.0260% | 1,522 |
| Credit loss provision to net charge-offs | 875.6757% | 552 |
| Earnings coverage of net charge-offs (x) | 99.6757% | 873 |
| Efficiency ratio | 58.5988% | 3,180 |
| Assets per employee ($millions) | 9.4657% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,269 |
| Loan loss allowance to noncurrent loans | 311.4851% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 2,328 |
| Noncurrent loans to loans | 0.5221% | 1,995 |
| Net loans and leases to total assets | 54.3413% | 2,932 |
| Net loans and leases to deposits | 59.7630% | 3,253 |
| Net loans and leases to core deposits | 66.7928% | 2,885 |
| Total domestic deposits to total assets | 90.9280% | 392 |
| Equity capital to assets | 8.5341% | 4,189 |
| Core capital (leverage) ratio | 8.8535% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,192,750 | 2,353 |
| Average earning assets | $303,424,750 | 2,340 |
| Average equity | $28,390,250 | 2,653 |
| Average total loans | $190,024,000 | 2,340 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 2,178 |
| Cost of funding earning assets | 0.2841% | 2,932 |
| Net interest margin | 3.4736% | 1,937 |
| Noninterest income to average assets | 0.8855% | 1,309 |
| Noninterest expense to average assets | 2.4094% | 2,432 |
| Loan and lease loss provision to assets | 0.1381% | 884 |
| Net operating income to assets | 1.2159% | 2,129 |
| Return on assets (ROA) | 1.2159% | 2,205 |
| Pretax return on assets | 1.5914% | 1,757 |
| Return on Equity (ROE) | 13.6963% | 1,507 |
| Retained earnings to average equity (ytd only) | 13.6963% | 599 |
| Net charge-offs to loans | -0.0148% | 3,849 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7828% | 3,569 |
| Assets per employee ($millions) | 9.1227% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,399 |
| Loan loss allowance to noncurrent loans | 301.1696% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 2,353 |
| Noncurrent loans to loans | 0.5172% | 2,123 |
| Net loans and leases to total assets | 59.4651% | 2,485 |
| Net loans and leases to deposits | 65.8805% | 2,834 |
| Net loans and leases to core deposits | 73.8083% | 2,428 |
| Total domestic deposits to total assets | 90.2620% | 664 |
| Equity capital to assets | 8.9521% | 3,833 |
| Core capital (leverage) ratio | 8.9382% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,180,000 | 2,389 |
| Average earning assets | $294,274,000 | 2,380 |
| Average equity | $27,890,667 | 2,682 |
| Average total loans | $188,876,667 | 2,364 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0648% | 1,476 |
| Cost of funding earning assets | 0.3097% | 2,889 |
| Net interest margin | 3.7551% | 1,228 |
| Noninterest income to average assets | 0.9470% | 1,223 |
| Noninterest expense to average assets | 2.5767% | 1,944 |
| Loan and lease loss provision to assets | 0.1407% | 950 |
| Net operating income to assets | 1.3222% | 1,754 |
| Return on assets (ROA) | 1.3222% | 1,841 |
| Pretax return on assets | 1.7365% | 1,418 |
| Return on Equity (ROE) | 14.9617% | 1,222 |
| Retained earnings to average equity (ytd only) | 14.9617% | 630 |
| Net charge-offs to loans | -0.0065% | 3,498 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5426% | 3,596 |
| Assets per employee ($millions) | 8.8298% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,369 |
| Loan loss allowance to noncurrent loans | 285.0288% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,501 |
| Noncurrent loans to loans | 0.5511% | 2,207 |
| Net loans and leases to total assets | 58.5504% | 2,734 |
| Net loans and leases to deposits | 64.7799% | 3,050 |
| Net loans and leases to core deposits | 73.2334% | 2,589 |
| Total domestic deposits to total assets | 90.3836% | 624 |
| Equity capital to assets | 8.8539% | 3,828 |
| Core capital (leverage) ratio | 9.0518% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,062,000 | 2,407 |
| Average earning assets | $286,754,500 | 2,399 |
| Average equity | $27,136,000 | 2,722 |
| Average total loans | $184,123,500 | 2,408 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 1,982 |
| Cost of funding earning assets | 0.5342% | 2,721 |
| Net interest margin | 3.7246% | 1,725 |
| Noninterest income to average assets | 0.7744% | 1,610 |
| Noninterest expense to average assets | 2.7270% | 2,149 |
| Loan and lease loss provision to assets | 0.3220% | 1,140 |
| Net operating income to assets | 0.9046% | 2,674 |
| Return on assets (ROA) | 0.9094% | 2,788 |
| Pretax return on assets | 1.1702% | 2,440 |
| Return on Equity (ROE) | 9.6856% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.6856% | 645 |
| Net charge-offs to loans | 0.0635% | 1,871 |
| Credit loss provision to net charge-offs | 781.6514% | 921 |
| Earnings coverage of net charge-offs (x) | 36.0734% | 1,462 |
| Efficiency ratio | 61.8911% | 3,156 |
| Assets per employee ($millions) | 7.7961% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 1,309 |
| Loan loss allowance to noncurrent loans | 257.1043% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 2,485 |
| Noncurrent loans to loans | 0.6207% | 2,139 |
| Net loans and leases to total assets | 59.5110% | 2,920 |
| Net loans and leases to deposits | 65.6445% | 3,309 |
| Net loans and leases to core deposits | 74.6495% | 2,851 |
| Total domestic deposits to total assets | 90.6566% | 319 |
| Equity capital to assets | 8.8195% | 4,201 |
| Core capital (leverage) ratio | 8.8005% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,577,600 | 2,493 |
| Average earning assets | $244,271,000 | 2,498 |
| Average equity | $24,841,000 | 2,816 |
| Average total loans | $171,781,200 | 2,474 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,555 |
| Cost of funding earning assets | 0.5934% | 2,657 |
| Net interest margin | 3.9118% | 1,325 |
| Noninterest income to average assets | 0.7325% | 1,696 |
| Noninterest expense to average assets | 2.8312% | 1,878 |
| Loan and lease loss provision to assets | 0.3846% | 949 |
| Net operating income to assets | 0.8814% | 2,769 |
| Return on assets (ROA) | 0.8868% | 2,872 |
| Pretax return on assets | 1.1262% | 2,658 |
| Return on Equity (ROE) | 9.2823% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.2823% | 914 |
| Net charge-offs to loans | 0.0871% | 1,431 |
| Credit loss provision to net charge-offs | 666.6667% | 1,100 |
| Earnings coverage of net charge-offs (x) | 26.0811% | 1,705 |
| Efficiency ratio | 62.4566% | 3,001 |
| Assets per employee ($millions) | 7.0458% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,242 |
| Loan loss allowance to noncurrent loans | 246.1883% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 2,547 |
| Noncurrent loans to loans | 0.6283% | 2,223 |
| Net loans and leases to total assets | 63.5839% | 2,812 |
| Net loans and leases to deposits | 70.5505% | 3,259 |
| Net loans and leases to core deposits | 80.9867% | 2,753 |
| Total domestic deposits to total assets | 90.1254% | 384 |
| Equity capital to assets | 9.2581% | 3,898 |
| Core capital (leverage) ratio | 9.0647% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,659,250 | 2,520 |
| Average earning assets | $236,370,250 | 2,533 |
| Average equity | $24,519,250 | 2,828 |
| Average total loans | $169,936,250 | 2,489 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,022 |
| Cost of funding earning assets | 0.6679% | 2,573 |
| Net interest margin | 4.2006% | 918 |
| Noninterest income to average assets | 0.6177% | 2,067 |
| Noninterest expense to average assets | 2.8793% | 1,881 |
| Loan and lease loss provision to assets | 0.5004% | 716 |
| Net operating income to assets | 0.8663% | 2,819 |
| Return on assets (ROA) | 0.8738% | 2,911 |
| Pretax return on assets | 1.1021% | 2,704 |
| Return on Equity (ROE) | 9.0450% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.0450% | 993 |
| Net charge-offs to loans | 0.1242% | 1,100 |
| Credit loss provision to net charge-offs | 602.8846% | 1,103 |
| Earnings coverage of net charge-offs (x) | 19.1923% | 1,735 |
| Efficiency ratio | 61.5453% | 3,195 |
| Assets per employee ($millions) | 6.9169% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,181 |
| Loan loss allowance to noncurrent loans | 199.9242% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 2,373 |
| Noncurrent loans to loans | 0.7645% | 1,970 |
| Net loans and leases to total assets | 63.0242% | 3,003 |
| Net loans and leases to deposits | 69.9655% | 3,424 |
| Net loans and leases to core deposits | 80.7161% | 2,896 |
| Total domestic deposits to total assets | 90.0790% | 381 |
| Equity capital to assets | 9.1978% | 3,928 |
| Core capital (leverage) ratio | 9.2589% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,617,333 | 2,537 |
| Average earning assets | $229,965,333 | 2,554 |
| Average equity | $24,212,333 | 2,836 |
| Average total loans | $167,427,000 | 2,496 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 1,943 |
| Cost of funding earning assets | 0.8062% | 2,353 |
| Net interest margin | 3.8154% | 1,915 |
| Noninterest income to average assets | 0.4929% | 2,582 |
| Noninterest expense to average assets | 2.8874% | 2,160 |
| Loan and lease loss provision to assets | 0.1875% | 1,594 |
| Net operating income to assets | 0.7439% | 3,116 |
| Return on assets (ROA) | 0.7600% | 3,136 |
| Pretax return on assets | 0.9326% | 3,044 |
| Return on Equity (ROE) | 7.6613% | 2,648 |
| Retained earnings to average equity (ytd only) | 7.6613% | 1,326 |
| Net charge-offs to loans | 0.1505% | 857 |
| Credit loss provision to net charge-offs | 182.2581% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.6935% | 1,755 |
| Efficiency ratio | 69.1219% | 2,495 |
| Assets per employee ($millions) | 6.2663% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,245 |
| Loan loss allowance to noncurrent loans | 174.0562% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 2,470 |
| Noncurrent loans to loans | 0.7340% | 2,164 |
| Net loans and leases to total assets | 68.5182% | 2,468 |
| Net loans and leases to deposits | 76.6473% | 3,017 |
| Net loans and leases to core deposits | 89.6264% | 2,382 |
| Total domestic deposits to total assets | 89.3942% | 513 |
| Equity capital to assets | 9.8966% | 3,886 |
| Core capital (leverage) ratio | 9.5194% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,046,000 | 2,546 |
| Average earning assets | $220,790,500 | 2,566 |
| Average equity | $23,912,500 | 2,858 |
| Average total loans | $164,814,000 | 2,490 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 1,731 |
| Cost of funding earning assets | 0.9002% | 2,188 |
| Net interest margin | 4.0084% | 1,830 |
| Noninterest income to average assets | 0.5413% | 2,528 |
| Noninterest expense to average assets | 2.9142% | 2,250 |
| Loan and lease loss provision to assets | 0.0172% | 3,671 |
| Net operating income to assets | 0.9998% | 2,851 |
| Return on assets (ROA) | 1.0027% | 2,923 |
| Pretax return on assets | 1.2845% | 2,557 |
| Return on Equity (ROE) | 9.8284% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.8284% | 526 |
| Net charge-offs to loans | 0.0432% | 2,527 |
| Credit loss provision to net charge-offs | 55.8824% | 3,075 |
| Earnings coverage of net charge-offs (x) | 42.0735% | 1,269 |
| Efficiency ratio | 65.7691% | 2,809 |
| Assets per employee ($millions) | 6.4245% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 1,825 |
| Loan loss allowance to noncurrent loans | 85.4949% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 1,196 |
| Noncurrent loans to loans | 1.5468% | 924 |
| Net loans and leases to total assets | 66.4249% | 2,902 |
| Net loans and leases to deposits | 74.2869% | 3,326 |
| Net loans and leases to core deposits | 87.1472% | 2,693 |
| Total domestic deposits to total assets | 89.4168% | 521 |
| Equity capital to assets | 9.9446% | 3,972 |
| Core capital (leverage) ratio | 9.5767% | 3,987 |
| Tier 1 risk-based capital ratio | 12.9790% | 3,801 |
| Total risk-based capital ratio | 14.1997% | 3,693 |
| Memoranda: | ||
| Average total assets | $220,401,600 | 2,655 |
| Average earning assets | $201,853,600 | 2,694 |
| Average equity | $22,485,800 | 2,920 |
| Average total loans | $157,576,600 | 2,539 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 1,580 |
| Cost of funding earning assets | 0.8946% | 2,256 |
| Net interest margin | 4.0901% | 1,644 |
| Noninterest income to average assets | 0.5152% | 2,633 |
| Noninterest expense to average assets | 2.9359% | 2,139 |
| Loan and lease loss provision to assets | 0.0235% | 3,429 |
| Net operating income to assets | 1.0201% | 2,908 |
| Return on assets (ROA) | 1.0206% | 2,981 |
| Pretax return on assets | 1.3057% | 2,648 |
| Return on Equity (ROE) | 9.9348% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.9348% | 763 |
| Net charge-offs to loans | 0.0595% | 1,968 |
| Credit loss provision to net charge-offs | 54.2857% | 2,751 |
| Earnings coverage of net charge-offs (x) | 30.7574% | 1,601 |
| Efficiency ratio | 65.4030% | 2,802 |
| Assets per employee ($millions) | 6.3622% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,139 |
| Loan loss allowance to noncurrent loans | 84.0223% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 1,234 |
| Noncurrent loans to loans | 1.5065% | 1,004 |
| Net loans and leases to total assets | 70.0478% | 2,466 |
| Net loans and leases to deposits | 78.2601% | 3,070 |
| Net loans and leases to core deposits | 91.5859% | 2,406 |
| Total domestic deposits to total assets | 89.5065% | 443 |
| Equity capital to assets | 9.8151% | 4,195 |
| Core capital (leverage) ratio | 9.5218% | 4,144 |
| Tier 1 risk-based capital ratio | 12.2864% | 4,263 |
| Total risk-based capital ratio | 13.4744% | 4,180 |
| Memoranda: | ||
| Average total assets | $216,075,500 | 2,713 |
| Average earning assets | $198,064,500 | 2,749 |
| Average equity | $22,197,500 | 2,966 |
| Average total loans | $156,967,750 | 2,574 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,463 |
| Cost of funding earning assets | 0.8398% | 2,449 |
| Net interest margin | 4.1689% | 1,436 |
| Noninterest income to average assets | 0.5009% | 2,670 |
| Noninterest expense to average assets | 2.9165% | 2,242 |
| Loan and lease loss provision to assets | 0.0363% | 3,089 |
| Net operating income to assets | 1.0790% | 2,608 |
| Return on assets (ROA) | 1.0790% | 2,678 |
| Pretax return on assets | 1.3796% | 2,260 |
| Return on Equity (ROE) | 10.3311% | 2,241 |
| Retained earnings to average equity (ytd only) | 10.3311% | 665 |
| Net charge-offs to loans | 0.0547% | 1,864 |
| Credit loss provision to net charge-offs | 90.4762% | 2,129 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,328 |
| Efficiency ratio | 63.8406% | 3,157 |
| Assets per employee ($millions) | 6.5284% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 1,934 |
| Loan loss allowance to noncurrent loans | 84.7981% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 1,228 |
| Noncurrent loans to loans | 1.5541% | 985 |
| Net loans and leases to total assets | 70.1982% | 2,504 |
| Net loans and leases to deposits | 78.4434% | 3,122 |
| Net loans and leases to core deposits | 92.0632% | 2,413 |
| Total domestic deposits to total assets | 89.4890% | 480 |
| Equity capital to assets | 9.8826% | 4,076 |
| Core capital (leverage) ratio | 9.8947% | 3,707 |
| Tier 1 risk-based capital ratio | 12.0171% | 4,406 |
| Total risk-based capital ratio | 13.2278% | 4,317 |
| Memoranda: | ||
| Average total assets | $209,633,330 | 2,788 |
| Average earning assets | $192,666,000 | 2,800 |
| Average equity | $21,895,000 | 2,982 |
| Average total loans | $153,621,000 | 2,620 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 1,281 |
| Cost of funding earning assets | 0.7283% | 2,896 |
| Net interest margin | 4.2958% | 1,100 |
| Noninterest income to average assets | 0.4795% | 2,680 |
| Noninterest expense to average assets | 2.9630% | 2,098 |
| Loan and lease loss provision to assets | 0.0759% | 2,161 |
| Net operating income to assets | 1.0989% | 2,475 |
| Return on assets (ROA) | 1.0989% | 2,522 |
| Pretax return on assets | 1.4006% | 2,081 |
| Return on Equity (ROE) | 10.2079% | 2,273 |
| Retained earnings to average equity (ytd only) | 10.2079% | 984 |
| Net charge-offs to loans | 0.1234% | 1,005 |
| Credit loss provision to net charge-offs | 82.6087% | 1,767 |
| Earnings coverage of net charge-offs (x) | 16.0652% | 1,714 |
| Efficiency ratio | 63.1863% | 3,358 |
| Assets per employee ($millions) | 6.4101% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,691 |
| Loan loss allowance to noncurrent loans | 180.1179% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 2,232 |
| Noncurrent loans to loans | 0.7752% | 2,096 |
| Net loans and leases to total assets | 73.6069% | 1,883 |
| Net loans and leases to deposits | 84.4019% | 2,339 |
| Net loans and leases to core deposits | 102.3898% | 1,425 |
| Total domestic deposits to total assets | 87.2101% | 1,712 |
| Equity capital to assets | 10.6580% | 3,198 |
| Core capital (leverage) ratio | 10.5726% | 2,968 |
| Tier 1 risk-based capital ratio | 12.6528% | 4,069 |
| Total risk-based capital ratio | 13.9045% | 3,952 |
| Memoranda: | ||
| Average total assets | $200,203,500 | 2,902 |
| Average earning assets | $184,551,500 | 2,905 |
| Average equity | $21,552,000 | 3,018 |
| Average total loans | $149,161,500 | 2,697 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 1,225 |
| Cost of funding earning assets | 0.5839% | 2,830 |
| Net interest margin | 4.3382% | 1,072 |
| Noninterest income to average assets | 0.5390% | 2,616 |
| Noninterest expense to average assets | 2.9298% | 2,242 |
| Loan and lease loss provision to assets | 0.2143% | 854 |
| Net operating income to assets | 1.0713% | 2,713 |
| Return on assets (ROA) | 1.0713% | 2,695 |
| Pretax return on assets | 1.3996% | 2,141 |
| Return on Equity (ROE) | 10.3326% | 2,380 |
| Retained earnings to average equity (ytd only) | 10.3326% | 560 |
| Net charge-offs to loans | 0.1653% | 1,167 |
| Credit loss provision to net charge-offs | 182.8194% | 1,546 |
| Earnings coverage of net charge-offs (x) | 13.7709% | 2,424 |
| Efficiency ratio | 60.8794% | 3,714 |
| Assets per employee ($millions) | 5.7437% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,358 |
| Loan loss allowance to noncurrent loans | 133.2092% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 1,621 |
| Noncurrent loans to loans | 1.1095% | 1,461 |
| Net loans and leases to total assets | 73.2545% | 2,052 |
| Net loans and leases to deposits | 84.3037% | 2,481 |
| Net loans and leases to core deposits | 99.0548% | 1,788 |
| Total domestic deposits to total assets | 86.8935% | 1,833 |
| Equity capital to assets | 10.8774% | 2,812 |
| Core capital (leverage) ratio | 10.4350% | 3,102 |
| Tier 1 risk-based capital ratio | 12.7174% | 4,001 |
| Total risk-based capital ratio | 13.9687% | 3,890 |
| Memoranda: | ||
| Average total assets | $193,697,400 | 2,928 |
| Average earning assets | $178,808,000 | 2,932 |
| Average equity | $20,082,000 | 3,081 |
| Average total loans | $137,343,200 | 2,801 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,196 |
| Cost of funding earning assets | 0.5597% | 2,793 |
| Net interest margin | 4.3262% | 1,056 |
| Noninterest income to average assets | 0.5297% | 2,673 |
| Noninterest expense to average assets | 2.8797% | 2,370 |
| Loan and lease loss provision to assets | 0.2862% | 522 |
| Net operating income to assets | 1.0367% | 2,935 |
| Return on assets (ROA) | 1.0367% | 2,943 |
| Pretax return on assets | 1.3623% | 2,368 |
| Return on Equity (ROE) | 10.1251% | 2,565 |
| Retained earnings to average equity (ytd only) | 10.1251% | 882 |
| Net charge-offs to loans | 0.2462% | 693 |
| Credit loss provision to net charge-offs | 166.0000% | 1,602 |
| Earnings coverage of net charge-offs (x) | 9.5599% | 2,638 |
| Efficiency ratio | 59.9695% | 3,818 |
| Assets per employee ($millions) | 6.0572% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,222 |
| Loan loss allowance to noncurrent loans | 159.5041% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 2,049 |
| Noncurrent loans to loans | 0.9659% | 1,757 |
| Net loans and leases to total assets | 70.0007% | 2,647 |
| Net loans and leases to deposits | 80.3005% | 3,006 |
| Net loans and leases to core deposits | 94.2001% | 2,271 |
| Total domestic deposits to total assets | 87.1734% | 1,656 |
| Equity capital to assets | 10.5411% | 3,103 |
| Core capital (leverage) ratio | 10.2266% | 3,370 |
| Tier 1 risk-based capital ratio | 12.6338% | 4,134 |
| Total risk-based capital ratio | 13.8854% | 4,023 |
| Memoranda: | ||
| Average total assets | $193,300,500 | 2,956 |
| Average earning assets | $178,658,500 | 2,958 |
| Average equity | $19,792,000 | 3,129 |
| Average total loans | $135,378,750 | 2,839 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,317 |
| Cost of funding earning assets | 0.5265% | 2,788 |
| Net interest margin | 4.2480% | 1,168 |
| Noninterest income to average assets | 0.5530% | 2,563 |
| Noninterest expense to average assets | 2.7982% | 2,662 |
| Loan and lease loss provision to assets | 0.3148% | 440 |
| Net operating income to assets | 1.0335% | 2,879 |
| Return on assets (ROA) | 1.0335% | 2,877 |
| Pretax return on assets | 1.3753% | 2,244 |
| Return on Equity (ROE) | 10.1948% | 2,482 |
| Retained earnings to average equity (ytd only) | 10.1948% | 874 |
| Net charge-offs to loans | 0.2452% | 647 |
| Credit loss provision to net charge-offs | 184.2424% | 1,383 |
| Earnings coverage of net charge-offs (x) | 9.8909% | 2,367 |
| Efficiency ratio | 58.6987% | 4,127 |
| Assets per employee ($millions) | 5.9274% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 1,319 |
| Loan loss allowance to noncurrent loans | 141.8809% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 1,968 |
| Noncurrent loans to loans | 1.0742% | 1,642 |
| Net loans and leases to total assets | 69.2690% | 2,680 |
| Net loans and leases to deposits | 79.2079% | 3,033 |
| Net loans and leases to core deposits | 93.1051% | 2,300 |
| Total domestic deposits to total assets | 87.4522% | 1,666 |
| Equity capital to assets | 10.2355% | 3,404 |
| Core capital (leverage) ratio | 9.8221% | 3,765 |
| Tier 1 risk-based capital ratio | 12.4901% | 4,186 |
| Total risk-based capital ratio | 13.7418% | 4,085 |
| Memoranda: | ||
| Average total assets | $193,123,670 | 2,971 |
| Average earning assets | $178,905,670 | 2,973 |
| Average equity | $19,578,670 | 3,166 |
| Average total loans | $134,569,670 | 2,861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 1,832 |
| Cost of funding earning assets | 0.4613% | 3,116 |
| Net interest margin | 4.0505% | 1,561 |
| Noninterest income to average assets | 0.4795% | 2,941 |
| Noninterest expense to average assets | 2.7663% | 2,819 |
| Loan and lease loss provision to assets | 0.2898% | 456 |
| Net operating income to assets | 0.8526% | 3,491 |
| Return on assets (ROA) | 0.8526% | 3,505 |
| Pretax return on assets | 1.1945% | 2,774 |
| Return on Equity (ROE) | 8.4515% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.4515% | 1,672 |
| Net charge-offs to loans | 0.4660% | 326 |
| Credit loss provision to net charge-offs | 89.6774% | 1,673 |
| Earnings coverage of net charge-offs (x) | 4.5935% | 2,290 |
| Efficiency ratio | 61.2065% | 3,915 |
| Assets per employee ($millions) | 6.0676% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,615 |
| Loan loss allowance to noncurrent loans | 111.3532% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 1,769 |
| Noncurrent loans to loans | 1.3115% | 1,358 |
| Net loans and leases to total assets | 67.4888% | 2,825 |
| Net loans and leases to deposits | 78.3248% | 2,987 |
| Net loans and leases to core deposits | 93.0767% | 2,207 |
| Total domestic deposits to total assets | 86.1653% | 2,470 |
| Equity capital to assets | 10.0415% | 3,552 |
| Core capital (leverage) ratio | 9.6333% | 3,924 |
| Tier 1 risk-based capital ratio | 12.3171% | 4,370 |
| Total risk-based capital ratio | 13.5674% | 4,262 |
| Memoranda: | ||
| Average total assets | $191,883,500 | 3,017 |
| Average earning assets | $178,643,500 | 3,006 |
| Average equity | $19,357,500 | 3,213 |
| Average total loans | $133,059,500 | 2,901 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 590 |
| Cost of funding earning assets | 0.4227% | 3,029 |
| Net interest margin | 4.6254% | 474 |
| Noninterest income to average assets | 0.3140% | 4,216 |
| Noninterest expense to average assets | 2.8794% | 2,525 |
| Loan and lease loss provision to assets | 0.5186% | 253 |
| Net operating income to assets | 0.5711% | 4,139 |
| Return on assets (ROA) | 0.5711% | 4,174 |
| Pretax return on assets | 1.2351% | 2,612 |
| Return on Equity (ROE) | 5.3990% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.3084% | 3,315 |
| Net charge-offs to loans | 0.4188% | 591 |
| Credit loss provision to net charge-offs | 168.4022% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.6948% | 3,287 |
| Efficiency ratio | 58.3652% | 4,486 |
| Assets per employee ($millions) | 5.5766% | 1,863 |
| Cash dividends to net income (ytd only)* | 38.7222% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,508 |
| Loan loss allowance to noncurrent loans | 169.2308% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,509 |
| Noncurrent loans to loans | 0.8690% | 2,052 |
| Net loans and leases to total assets | 69.1867% | 2,647 |
| Net loans and leases to deposits | 80.3681% | 2,873 |
| Net loans and leases to core deposits | 94.4638% | 2,153 |
| Total domestic deposits to total assets | 86.0872% | 2,393 |
| Equity capital to assets | 10.1359% | 3,550 |
| Core capital (leverage) ratio | 9.4594% | 4,098 |
| Tier 1 risk-based capital ratio | 12.4764% | 4,220 |
| Total risk-based capital ratio | 13.7278% | 4,119 |
| Memoranda: | ||
| Average total assets | $180,868,800 | 3,103 |
| Average earning assets | $168,894,600 | 3,093 |
| Average equity | $19,133,200 | 3,228 |
| Average total loans | $132,988,600 | 2,874 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 528 |
| Cost of funding earning assets | 0.4091% | 3,099 |
| Net interest margin | 4.6681% | 431 |
| Noninterest income to average assets | 0.2850% | 4,489 |
| Noninterest expense to average assets | 2.8937% | 2,432 |
| Loan and lease loss provision to assets | 0.6283% | 176 |
| Net operating income to assets | 0.7514% | 3,731 |
| Return on assets (ROA) | 0.7514% | 3,791 |
| Pretax return on assets | 1.1222% | 3,223 |
| Return on Equity (ROE) | 7.0251% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.6298% | 2,469 |
| Net charge-offs to loans | 0.4924% | 417 |
| Credit loss provision to net charge-offs | 171.4868% | 1,523 |
| Earnings coverage of net charge-offs (x) | 4.7780% | 3,182 |
| Efficiency ratio | 58.4833% | 4,436 |
| Assets per employee ($millions) | 5.6354% | 1,799 |
| Cash dividends to net income (ytd only)* | 19.8610% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,889 |
| Loan loss allowance to noncurrent loans | 167.6522% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 2,717 |
| Noncurrent loans to loans | 0.8353% | 2,276 |
| Net loans and leases to total assets | 70.8505% | 2,431 |
| Net loans and leases to deposits | 83.8860% | 2,570 |
| Net loans and leases to core deposits | 98.6828% | 1,830 |
| Total domestic deposits to total assets | 84.4605% | 2,935 |
| Equity capital to assets | 10.1612% | 3,741 |
| Core capital (leverage) ratio | 9.9490% | 3,631 |
| Tier 1 risk-based capital ratio | 12.0855% | 4,551 |
| Total risk-based capital ratio | 13.3361% | 4,443 |
| Memoranda: | ||
| Average total assets | $178,685,250 | 3,155 |
| Average earning assets | $166,857,750 | 3,144 |
| Average equity | $19,112,000 | 3,259 |
| Average total loans | $132,951,250 | 2,893 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 467 |
| Cost of funding earning assets | 0.3970% | 3,106 |
| Net interest margin | 4.7071% | 388 |
| Noninterest income to average assets | 0.2615% | 4,661 |
| Noninterest expense to average assets | 2.9969% | 2,121 |
| Loan and lease loss provision to assets | 0.6216% | 180 |
| Net operating income to assets | 0.6996% | 3,856 |
| Return on assets (ROA) | 0.6996% | 3,916 |
| Pretax return on assets | 1.0357% | 3,422 |
| Return on Equity (ROE) | 6.4234% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.4234% | 1,892 |
| Net charge-offs to loans | 0.6272% | 318 |
| Credit loss provision to net charge-offs | 131.5534% | 1,670 |
| Earnings coverage of net charge-offs (x) | 3.5073% | 3,040 |
| Efficiency ratio | 60.4978% | 4,244 |
| Assets per employee ($millions) | 5.1686% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,698 |
| Loan loss allowance to noncurrent loans | 119.6216% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 2,182 |
| Noncurrent loans to loans | 1.0434% | 1,884 |
| Net loans and leases to total assets | 76.8558% | 1,403 |
| Net loans and leases to deposits | 92.4474% | 1,440 |
| Net loans and leases to core deposits | 107.7299% | 1,120 |
| Total domestic deposits to total assets | 83.1346% | 3,525 |
| Equity capital to assets | 10.9814% | 2,826 |
| Core capital (leverage) ratio | 10.1797% | 3,301 |
| Tier 1 risk-based capital ratio | 12.4046% | 4,353 |
| Total risk-based capital ratio | 13.5838% | 4,290 |
| Memoranda: | ||
| Average total assets | $174,379,670 | 3,230 |
| Average earning assets | $162,733,000 | 3,205 |
| Average equity | $18,993,000 | 3,276 |
| Average total loans | $131,375,330 | 2,926 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 587 |
| Cost of funding earning assets | 0.3977% | 3,012 |
| Net interest margin | 4.5330% | 494 |
| Noninterest income to average assets | 0.3201% | 4,263 |
| Noninterest expense to average assets | 2.9752% | 2,225 |
| Loan and lease loss provision to assets | 0.5596% | 176 |
| Net operating income to assets | 0.6793% | 3,794 |
| Return on assets (ROA) | 0.6793% | 3,832 |
| Pretax return on assets | 1.0109% | 3,316 |
| Return on Equity (ROE) | 6.2631% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.2631% | 2,204 |
| Net charge-offs to loans | 0.7212% | 240 |
| Credit loss provision to net charge-offs | 104.7414% | 1,518 |
| Earnings coverage of net charge-offs (x) | 2.9397% | 2,532 |
| Efficiency ratio | 61.4488% | 4,234 |
| Assets per employee ($millions) | 5.2748% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,849 |
| Loan loss allowance to noncurrent loans | 109.8202% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 2,208 |
| Noncurrent loans to loans | 1.1350% | 1,797 |
| Net loans and leases to total assets | 72.2814% | 2,038 |
| Net loans and leases to deposits | 86.8735% | 1,929 |
| Net loans and leases to core deposits | 100.8666% | 1,449 |
| Total domestic deposits to total assets | 83.2030% | 3,765 |
| Equity capital to assets | 10.9067% | 2,737 |
| Core capital (leverage) ratio | 10.1760% | 3,268 |
| Tier 1 risk-based capital ratio | 12.8390% | 4,175 |
| Total risk-based capital ratio | 13.9989% | 4,128 |
| Memoranda: | ||
| Average total assets | $173,703,000 | 3,274 |
| Average earning assets | $161,924,000 | 3,246 |
| Average equity | $18,840,500 | 3,304 |
| Average total loans | $128,679,000 | 2,982 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 424 |
| Cost of funding earning assets | 0.3508% | 3,508 |
| Net interest margin | 4.8359% | 324 |
| Noninterest income to average assets | 0.3139% | 4,494 |
| Noninterest expense to average assets | 3.1926% | 1,806 |
| Loan and lease loss provision to assets | 0.4329% | 340 |
| Net operating income to assets | 0.7800% | 3,401 |
| Return on assets (ROA) | 0.7804% | 3,502 |
| Pretax return on assets | 1.1709% | 2,803 |
| Return on Equity (ROE) | 6.9194% | 3,510 |
| Retained earnings to average equity (ytd only) | 6.9194% | 1,263 |
| Net charge-offs to loans | 0.1978% | 1,403 |
| Credit loss provision to net charge-offs | 287.1901% | 1,015 |
| Earnings coverage of net charge-offs (x) | 10.6364% | 2,622 |
| Efficiency ratio | 62.4545% | 4,180 |
| Assets per employee ($millions) | 4.8150% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,039 |
| Loan loss allowance to noncurrent loans | 102.7362% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 1,739 |
| Noncurrent loans to loans | 1.1812% | 1,738 |
| Net loans and leases to total assets | 74.0601% | 1,844 |
| Net loans and leases to deposits | 88.8759% | 1,820 |
| Net loans and leases to core deposits | 102.4402% | 1,418 |
| Total domestic deposits to total assets | 83.3298% | 3,652 |
| Equity capital to assets | 10.7858% | 2,831 |
| Core capital (leverage) ratio | 10.3313% | 3,070 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,327 |
| Total risk-based capital ratio | 13.7269% | 4,279 |
| Memoranda: | ||
| Average total assets | $160,559,000 | 3,389 |
| Average earning assets | $148,803,600 | 3,388 |
| Average equity | $18,108,600 | 3,388 |
| Average total loans | $122,339,000 | 3,032 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 415 |
| Cost of funding earning assets | 0.3333% | 3,741 |
| Net interest margin | 4.8811% | 317 |
| Noninterest income to average assets | 0.3491% | 4,289 |
| Noninterest expense to average assets | 3.2739% | 1,624 |
| Loan and lease loss provision to assets | 0.4245% | 330 |
| Net operating income to assets | 0.7781% | 3,467 |
| Return on assets (ROA) | 0.7786% | 3,608 |
| Pretax return on assets | 1.1675% | 2,980 |
| Return on Equity (ROE) | 6.8217% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.8217% | 1,713 |
| Net charge-offs to loans | 0.1041% | 1,904 |
| Credit loss provision to net charge-offs | 532.9787% | 672 |
| Earnings coverage of net charge-offs (x) | 19.9788% | 1,901 |
| Efficiency ratio | 63.1487% | 4,048 |
| Assets per employee ($millions) | 4.4880% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,325 |
| Loan loss allowance to noncurrent loans | 52.7931% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0246% | 770 |
| Noncurrent loans to loans | 2.2474% | 826 |
| Net loans and leases to total assets | 76.7866% | 1,400 |
| Net loans and leases to deposits | 92.8864% | 1,384 |
| Net loans and leases to core deposits | 104.5122% | 1,308 |
| Total domestic deposits to total assets | 82.6672% | 3,719 |
| Equity capital to assets | 11.1072% | 2,914 |
| Core capital (leverage) ratio | 10.9870% | 2,460 |
| Tier 1 risk-based capital ratio | 12.1072% | 4,719 |
| Total risk-based capital ratio | 13.1787% | 4,726 |
| Memoranda: | ||
| Average total assets | $157,364,000 | 3,438 |
| Average earning assets | $145,592,000 | 3,445 |
| Average equity | $17,961,750 | 3,440 |
| Average total loans | $120,435,750 | 3,065 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2728% | 378 |
| Cost of funding earning assets | 0.3123% | 3,994 |
| Net interest margin | 4.9605% | 277 |
| Noninterest income to average assets | 0.3910% | 3,939 |
| Noninterest expense to average assets | 3.4130% | 1,344 |
| Loan and lease loss provision to assets | 0.4480% | 318 |
| Net operating income to assets | 0.7462% | 3,567 |
| Return on assets (ROA) | 0.7471% | 3,717 |
| Pretax return on assets | 1.1174% | 3,131 |
| Return on Equity (ROE) | 6.4828% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.4828% | 1,881 |
| Net charge-offs to loans | 0.0936% | 1,908 |
| Credit loss provision to net charge-offs | 629.0909% | 541 |
| Earnings coverage of net charge-offs (x) | 21.9636% | 1,649 |
| Efficiency ratio | 64.4641% | 3,938 |
| Assets per employee ($millions) | 4.2511% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,381 |
| Loan loss allowance to noncurrent loans | 60.4443% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 884 |
| Noncurrent loans to loans | 1.9816% | 1,008 |
| Net loans and leases to total assets | 74.2099% | 1,799 |
| Net loans and leases to deposits | 90.7108% | 1,668 |
| Net loans and leases to core deposits | 103.3715% | 1,373 |
| Total domestic deposits to total assets | 81.8093% | 4,051 |
| Equity capital to assets | 11.5253% | 2,520 |
| Core capital (leverage) ratio | 11.3042% | 2,147 |
| Tier 1 risk-based capital ratio | 12.9560% | 4,227 |
| Total risk-based capital ratio | 14.0401% | 4,231 |
| Memoranda: | ||
| Average total assets | $154,467,000 | 3,492 |
| Average earning assets | $142,807,330 | 3,500 |
| Average equity | $17,801,000 | 3,471 |
| Average total loans | $117,568,000 | 3,118 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 366 |
| Cost of funding earning assets | 0.2997% | 4,167 |
| Net interest margin | 4.9813% | 256 |
| Noninterest income to average assets | 0.3894% | 3,906 |
| Noninterest expense to average assets | 3.4785% | 1,223 |
| Loan and lease loss provision to assets | 0.4260% | 314 |
| Net operating income to assets | 0.7561% | 3,457 |
| Return on assets (ROA) | 0.7579% | 3,555 |
| Pretax return on assets | 1.0924% | 3,124 |
| Return on Equity (ROE) | 6.5769% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.5769% | 2,095 |
| Net charge-offs to loans | 0.0136% | 2,672 |
| Credit loss provision to net charge-offs | 4,075.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 412 |
| Efficiency ratio | 65.5154% | 3,876 |
| Assets per employee ($millions) | 3.9342% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,060 |
| Loan loss allowance to noncurrent loans | 64.1179% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.6783% | 1,167 |
| Noncurrent loans to loans | 1.7130% | 1,313 |
| Net loans and leases to total assets | 77.2793% | 1,210 |
| Net loans and leases to deposits | 89.5541% | 1,634 |
| Net loans and leases to core deposits | 102.0394% | 1,334 |
| Total domestic deposits to total assets | 86.2935% | 2,542 |
| Equity capital to assets | 11.9226% | 2,076 |
| Core capital (leverage) ratio | 10.9227% | 2,473 |
| Tier 1 risk-based capital ratio | 13.0474% | 4,238 |
| Total risk-based capital ratio | 14.0573% | 4,299 |
| Memoranda: | ||
| Average total assets | $153,056,000 | 3,537 |
| Average earning assets | $141,488,500 | 3,536 |
| Average equity | $17,637,500 | 3,484 |
| Average total loans | $117,282,500 | 3,127 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 1,475 |
| Cost of funding earning assets | 0.2989% | 4,259 |
| Net interest margin | 4.2440% | 1,073 |
| Noninterest income to average assets | 0.2859% | 4,843 |
| Noninterest expense to average assets | 3.1898% | 1,990 |
| Loan and lease loss provision to assets | 0.8552% | 105 |
| Net operating income to assets | 0.1014% | 5,751 |
| Return on assets (ROA) | 0.1028% | 5,792 |
| Pretax return on assets | 0.1487% | 5,753 |
| Return on Equity (ROE) | 0.9217% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.9217% | 5,152 |
| Net charge-offs to loans | 0.4122% | 693 |
| Credit loss provision to net charge-offs | 303.8549% | 974 |
| Earnings coverage of net charge-offs (x) | 3.5601% | 3,711 |
| Efficiency ratio | 70.7065% | 3,109 |
| Assets per employee ($millions) | 4.1214% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,841 |
| Loan loss allowance to noncurrent loans | 109.7656% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 2,216 |
| Noncurrent loans to loans | 0.8696% | 2,613 |
| Net loans and leases to total assets | 74.4678% | 1,650 |
| Net loans and leases to deposits | 87.6545% | 1,923 |
| Net loans and leases to core deposits | 99.8810% | 1,510 |
| Total domestic deposits to total assets | 84.9560% | 3,112 |
| Equity capital to assets | 11.1427% | 2,684 |
| Core capital (leverage) ratio | 10.6800% | 2,731 |
| Tier 1 risk-based capital ratio | 12.5561% | 4,591 |
| Total risk-based capital ratio | 13.4162% | 4,755 |
| Memoranda: | ||
| Average total assets | $156,687,200 | 3,478 |
| Average earning assets | $144,203,400 | 3,486 |
| Average equity | $17,468,200 | 3,462 |
| Average total loans | $106,979,200 | 3,261 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 1,812 |
| Cost of funding earning assets | 0.3017% | 4,327 |
| Net interest margin | 4.1274% | 1,328 |
| Noninterest income to average assets | 0.3480% | 4,449 |
| Noninterest expense to average assets | 3.2247% | 1,898 |
| Loan and lease loss provision to assets | 0.6432% | 132 |
| Net operating income to assets | 0.1964% | 5,686 |
| Return on assets (ROA) | 0.1982% | 5,741 |
| Pretax return on assets | 0.2774% | 5,676 |
| Return on Equity (ROE) | 1.7780% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.7780% | 4,988 |
| Net charge-offs to loans | 0.4104% | 624 |
| Credit loss provision to net charge-offs | 235.5140% | 1,189 |
| Earnings coverage of net charge-offs (x) | 3.3614% | 3,509 |
| Efficiency ratio | 72.1914% | 2,843 |
| Assets per employee ($millions) | 4.1294% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 5,913 |
| Loan loss allowance to noncurrent loans | 61.2813% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 1,139 |
| Noncurrent loans to loans | 0.9624% | 2,580 |
| Net loans and leases to total assets | 72.8138% | 1,935 |
| Net loans and leases to deposits | 83.4146% | 2,467 |
| Net loans and leases to core deposits | 95.6792% | 1,915 |
| Total domestic deposits to total assets | 87.2915% | 1,896 |
| Equity capital to assets | 11.5147% | 2,498 |
| Core capital (leverage) ratio | 10.9664% | 2,522 |
| Tier 1 risk-based capital ratio | 12.9616% | 4,444 |
| Total risk-based capital ratio | 13.4817% | 4,837 |
| Memoranda: | ||
| Average total assets | $156,705,500 | 3,509 |
| Average earning assets | $144,075,750 | 3,522 |
| Average equity | $17,472,500 | 3,485 |
| Average total loans | $104,286,250 | 3,340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 2,395 |
| Cost of funding earning assets | 0.3035% | 4,362 |
| Net interest margin | 3.9357% | 1,870 |
| Noninterest income to average assets | 0.2240% | 5,358 |
| Noninterest expense to average assets | 3.1339% | 2,158 |
| Loan and lease loss provision to assets | 0.4050% | 283 |
| Net operating income to assets | 0.2188% | 5,650 |
| Return on assets (ROA) | 0.2215% | 5,715 |
| Pretax return on assets | 0.3164% | 5,636 |
| Return on Equity (ROE) | 2.0078% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.0078% | 4,695 |
| Net charge-offs to loans | 0.0020% | 3,833 |
| Credit loss provision to net charge-offs | 32,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 117 |
| Efficiency ratio | 74.9261% | 2,547 |
| Assets per employee ($millions) | 4.1274% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5131% | 6,079 |
| Loan loss allowance to noncurrent loans | 21.6388% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.0540% | 1,056 |
| Noncurrent loans to loans | 2.3710% | 977 |
| Net loans and leases to total assets | 70.9929% | 2,166 |
| Net loans and leases to deposits | 81.3685% | 2,627 |
| Net loans and leases to core deposits | 94.3137% | 1,929 |
| Total domestic deposits to total assets | 87.2486% | 2,039 |
| Equity capital to assets | 11.7890% | 2,171 |
| Core capital (leverage) ratio | 10.8806% | 2,534 |
| Tier 1 risk-based capital ratio | 13.9805% | 3,943 |
| Total risk-based capital ratio | 14.4445% | 4,323 |
| Memoranda: | ||
| Average total assets | $158,011,670 | 3,517 |
| Average earning assets | $145,639,670 | 3,520 |
| Average equity | $17,432,330 | 3,508 |
| Average total loans | $101,745,000 | 3,407 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,208 |
| Cost of funding earning assets | 0.3011% | 4,427 |
| Net interest margin | 3.9649% | 1,672 |
| Noninterest income to average assets | 0.1278% | 5,963 |
| Noninterest expense to average assets | 3.1169% | 2,218 |
| Loan and lease loss provision to assets | 0.4548% | 238 |
| Net operating income to assets | 0.1497% | 5,789 |
| Return on assets (ROA) | 0.1549% | 5,849 |
| Pretax return on assets | 0.2212% | 5,800 |
| Return on Equity (ROE) | 1.4491% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.4491% | 4,902 |
| Net charge-offs to loans | 0.0040% | 3,184 |
| Credit loss provision to net charge-offs | 18,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 212 |
| Efficiency ratio | 75.9740% | 2,518 |
| Assets per employee ($millions) | 4.2831% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 6,226 |
| Loan loss allowance to noncurrent loans | 16.3273% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9833% | 1,198 |
| Noncurrent loans to loans | 2.6049% | 917 |
| Net loans and leases to total assets | 60.4244% | 3,593 |
| Net loans and leases to deposits | 68.5693% | 3,904 |
| Net loans and leases to core deposits | 80.2220% | 3,130 |
| Total domestic deposits to total assets | 88.1217% | 1,748 |
| Equity capital to assets | 11.0346% | 2,932 |
| Core capital (leverage) ratio | 10.0019% | 3,596 |
| Tier 1 risk-based capital ratio | 15.3977% | 3,199 |
| Total risk-based capital ratio | 15.7906% | 3,628 |
| Memoranda: | ||
| Average total assets | $162,723,500 | 3,473 |
| Average earning assets | $150,119,000 | 3,466 |
| Average equity | $17,390,000 | 3,536 |
| Average total loans | $99,602,000 | 3,460 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3027% | 6,379 |
| Cost of funding earning assets | 0.1656% | 6,006 |
| Net interest margin | 2.1371% | 6,332 |
| Noninterest income to average assets | 0.2025% | 5,648 |
| Noninterest expense to average assets | 1.6783% | 6,178 |
| Loan and lease loss provision to assets | 0.2355% | 1,019 |
| Net operating income to assets | 0.1578% | 5,853 |
| Return on assets (ROA) | 0.1746% | 5,862 |
| Pretax return on assets | 0.2634% | 5,768 |
| Return on Equity (ROE) | 1.7398% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.7398% | 4,947 |
| Net charge-offs to loans | 0.1595% | 2,437 |
| Credit loss provision to net charge-offs | 254.1096% | 1,001 |
| Earnings coverage of net charge-offs (x) | 5.1096% | 3,495 |
| Efficiency ratio | 72.2124% | 3,168 |
| Assets per employee ($millions) | 4.2814% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2184% | 6,409 |
| Loan loss allowance to noncurrent loans | 23.3402% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 2,437 |
| Noncurrent loans to loans | 0.9356% | 2,981 |
| Net loans and leases to total assets | 61.5746% | 3,560 |
| Net loans and leases to deposits | 69.3067% | 3,995 |
| Net loans and leases to core deposits | 82.9304% | 2,999 |
| Total domestic deposits to total assets | 88.8437% | 1,326 |
| Equity capital to assets | 10.3568% | 3,660 |
| Core capital (leverage) ratio | 9.2305% | 4,634 |
| Tier 1 risk-based capital ratio | 13.6376% | 4,333 |
| Total risk-based capital ratio | 13.8504% | 4,891 |
| Memoranda: | ||
| Average total assets | $157,539,800 | 3,528 |
| Average earning assets | $143,697,800 | 3,544 |
| Average equity | $15,806,800 | 3,706 |
| Average total loans | $91,559,800 | 3,600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5556% | 6,534 |
| Cost of funding earning assets | 0.1107% | 6,375 |
| Net interest margin | 1.4449% | 6,519 |
| Noninterest income to average assets | 0.1126% | 6,196 |
| Noninterest expense to average assets | 0.9984% | 6,523 |
| Loan and lease loss provision to assets | 0.1160% | 2,118 |
| Net operating income to assets | 0.2042% | 5,843 |
| Return on assets (ROA) | 0.2036% | 5,896 |
| Pretax return on assets | 0.3093% | 5,756 |
| Return on Equity (ROE) | 2.0472% | 5,829 |
| Retained earnings to average equity (ytd only) | 2.0472% | 5,030 |
| Net charge-offs to loans | 0.0165% | 4,208 |
| Credit loss provision to net charge-offs | 1,227.2727% | 281 |
| Earnings coverage of net charge-offs (x) | 45.0798% | 1,043 |
| Efficiency ratio | 64.1737% | 4,511 |
| Assets per employee ($millions) | 4.3433% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1210% | 6,512 |
| Loan loss allowance to noncurrent loans | 13.1495% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2772% | 2,412 |
| Noncurrent loans to loans | 0.9200% | 3,266 |
| Net loans and leases to total assets | 65.4771% | 2,953 |
| Net loans and leases to deposits | 73.9165% | 3,440 |
| Net loans and leases to core deposits | 88.9431% | 2,335 |
| Total domestic deposits to total assets | 88.5825% | 1,459 |
| Equity capital to assets | 10.6583% | 3,358 |
| Core capital (leverage) ratio | 9.1787% | 4,814 |
| Tier 1 risk-based capital ratio | 12.9454% | 4,897 |
| Total risk-based capital ratio | 13.0630% | 5,524 |
| Memoranda: | ||
| Average total assets | $155,181,500 | 3,587 |
| Average earning assets | $140,909,000 | 3,617 |
| Average equity | $15,435,250 | 3,781 |
| Average total loans | $88,690,250 | 3,691 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0243% | 6,654 |
| Cost of funding earning assets | 0.0014% | 6,631 |
| Net interest margin | 0.0229% | 6,653 |
| Noninterest income to average assets | -0.0181% | 6,576 |
| Noninterest expense to average assets | 0.0103% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0078% | 6,191 |
| Return on assets (ROA) | -0.0078% | 6,213 |
| Pretax return on assets | -0.0078% | 6,201 |
| Return on Equity (ROE) | -0.0799% | 6,214 |
| Retained earnings to average equity (ytd only) | -0.0799% | 5,697 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 400.0000% | 4 |
| Assets per employee ($millions) | 3.9876% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 2,107 |
| Noncurrent loans to loans | 1.4844% | 2,339 |
| Net loans and leases to total assets | 56.3292% | 4,238 |
| Net loans and leases to deposits | 63.9840% | 4,500 |
| Net loans and leases to core deposits | 80.3846% | 3,168 |
| Total domestic deposits to total assets | 88.0365% | 1,880 |
| Equity capital to assets | 10.7948% | 3,095 |
| Core capital (leverage) ratio | 8.8654% | 5,213 |
| Tier 1 risk-based capital ratio | 14.3905% | 3,995 |
| Total risk-based capital ratio | 14.3905% | 4,757 |
| Memoranda: | ||
| Average total assets | $154,789,670 | 3,610 |
| Average earning assets | $140,031,670 | 3,646 |
| Average equity | $15,025,330 | 3,852 |
| Average total loans | $84,086,330 | 3,813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,556 |
| Cost of funding earning assets | 0.3287% | 4,751 |
| Net interest margin | 3.9634% | 1,877 |
| Noninterest income to average assets | 0.2966% | 4,984 |
| Noninterest expense to average assets | 3.1735% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6444% | 3,976 |
| Return on assets (ROA) | 0.4629% | 4,956 |
| Pretax return on assets | 0.5907% | 4,858 |
| Return on Equity (ROE) | 5.0420% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.7856% | 4,417 |
| Net charge-offs to loans | -0.0383% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3986% | 2,286 |
| Assets per employee ($millions) | 4.2087% | 3,509 |
| Cash dividends to net income (ytd only)* | 44.7514% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 2,671 |
| Loan loss allowance to noncurrent loans | 178.6104% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5110% | 2,340 |
| Noncurrent loans to loans | 0.8993% | 3,636 |
| Net loans and leases to total assets | 51.5711% | 4,723 |
| Net loans and leases to deposits | 57.5107% | 4,988 |
| Net loans and leases to core deposits | 74.6954% | 3,568 |
| Total domestic deposits to total assets | 89.6720% | 1,261 |
| Equity capital to assets | 9.4495% | 4,564 |
| Core capital (leverage) ratio | 9.9105% | 3,696 |
| Tier 1 risk-based capital ratio | 16.6883% | 2,818 |
| Total risk-based capital ratio | 17.9412% | 2,780 |
| Memoranda: | ||
| Average total assets | $156,421,000 | 3,616 |
| Average earning assets | $146,034,500 | 3,589 |
| Average equity | $14,359,500 | 3,981 |
| Average total loans | $83,452,500 | 3,849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 1,955 |
| Cost of funding earning assets | 0.3903% | 4,753 |
| Net interest margin | 4.1817% | 1,415 |
| Noninterest income to average assets | 0.3580% | 4,740 |
| Noninterest expense to average assets | 3.4979% | 1,656 |
| Loan and lease loss provision to assets | -0.3296% | 6,690 |
| Net operating income to assets | 0.7599% | 3,499 |
| Return on assets (ROA) | 0.7482% | 3,655 |
| Pretax return on assets | 1.0574% | 3,121 |
| Return on Equity (ROE) | 8.0470% | 3,020 |
| Retained earnings to average equity (ytd only) | 6.8985% | 1,476 |
| Net charge-offs to loans | -0.0049% | 5,930 |
| Credit loss provision to net charge-offs | 12,500.0000% | 16 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4553% | 1,816 |
| Assets per employee ($millions) | 4.1347% | 3,559 |
| Cash dividends to net income (ytd only)* | 14.2731% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,058 |
| Loan loss allowance to noncurrent loans | 148.7443% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6020% | 2,321 |
| Noncurrent loans to loans | 1.0271% | 3,461 |
| Net loans and leases to total assets | 53.4518% | 4,659 |
| Net loans and leases to deposits | 59.2076% | 5,016 |
| Net loans and leases to core deposits | 76.7318% | 3,528 |
| Total domestic deposits to total assets | 90.2787% | 924 |
| Equity capital to assets | 8.9130% | 5,139 |
| Core capital (leverage) ratio | 10.0029% | 3,574 |
| Tier 1 risk-based capital ratio | 15.8813% | 3,158 |
| Total risk-based capital ratio | 17.1331% | 3,112 |
| Memoranda: | ||
| Average total assets | $151,692,400 | 3,675 |
| Average earning assets | $140,899,800 | 3,652 |
| Average equity | $14,104,600 | 4,045 |
| Average total loans | $81,840,000 | 3,881 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,011 |
| Cost of funding earning assets | 0.4069% | 4,768 |
| Net interest margin | 4.1517% | 1,477 |
| Noninterest income to average assets | 0.3574% | 4,836 |
| Noninterest expense to average assets | 3.4109% | 1,801 |
| Loan and lease loss provision to assets | -0.2661% | 6,759 |
| Net operating income to assets | 0.7706% | 3,508 |
| Return on assets (ROA) | 0.7955% | 3,499 |
| Pretax return on assets | 1.1024% | 3,102 |
| Return on Equity (ROE) | 8.4642% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.9356% | 1,913 |
| Net charge-offs to loans | -0.0198% | 6,037 |
| Credit loss provision to net charge-offs | 2,500.0000% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9684% | 1,975 |
| Assets per employee ($millions) | 3.8703% | 4,092 |
| Cash dividends to net income (ytd only)* | 18.0598% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 2,423 |
| Loan loss allowance to noncurrent loans | 162.6480% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.7967% | 2,277 |
| Noncurrent loans to loans | 1.0819% | 3,633 |
| Net loans and leases to total assets | 55.8854% | 4,336 |
| Net loans and leases to deposits | 62.0661% | 4,756 |
| Net loans and leases to core deposits | 81.5826% | 2,928 |
| Total domestic deposits to total assets | 90.0418% | 972 |
| Equity capital to assets | 9.0718% | 5,099 |
| Core capital (leverage) ratio | 10.0835% | 3,553 |
| Tier 1 risk-based capital ratio | 15.5722% | 3,436 |
| Total risk-based capital ratio | 16.8262% | 3,391 |
| Memoranda: | ||
| Average total assets | $150,335,750 | 3,731 |
| Average earning assets | $139,602,750 | 3,703 |
| Average equity | $14,129,750 | 4,088 |
| Average total loans | $80,978,500 | 3,940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4843% | 2,258 |
| Cost of funding earning assets | 0.4259% | 4,694 |
| Net interest margin | 4.0584% | 1,668 |
| Noninterest income to average assets | 0.3583% | 4,825 |
| Noninterest expense to average assets | 3.3344% | 1,984 |
| Loan and lease loss provision to assets | -0.3996% | 6,859 |
| Net operating income to assets | 0.9052% | 2,763 |
| Return on assets (ROA) | 0.9072% | 2,896 |
| Pretax return on assets | 1.1963% | 2,690 |
| Return on Equity (ROE) | 9.5409% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.4061% | 1,331 |
| Net charge-offs to loans | 0.0126% | 4,611 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | 119.2000% | 405 |
| Efficiency ratio | 80.7680% | 2,051 |
| Assets per employee ($millions) | 3.6291% | 4,555 |
| Cash dividends to net income (ytd only)* | 11.8943% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,320 |
| Loan loss allowance to noncurrent loans | 139.5327% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 2,241 |
| Noncurrent loans to loans | 1.3145% | 3,360 |
| Net loans and leases to total assets | 53.7018% | 4,633 |
| Net loans and leases to deposits | 59.7869% | 4,999 |
| Net loans and leases to core deposits | 80.8221% | 2,935 |
| Total domestic deposits to total assets | 89.8220% | 1,140 |
| Equity capital to assets | 9.2720% | 4,899 |
| Core capital (leverage) ratio | 9.9434% | 3,597 |
| Tier 1 risk-based capital ratio | 16.2799% | 3,047 |
| Total risk-based capital ratio | 17.5343% | 2,997 |
| Memoranda: | ||
| Average total assets | $150,134,000 | 3,766 |
| Average earning assets | $139,464,330 | 3,730 |
| Average equity | $14,275,330 | 4,093 |
| Average total loans | $79,349,670 | 3,999 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,606 |
| Cost of funding earning assets | 0.4447% | 4,651 |
| Net interest margin | 3.9311% | 2,010 |
| Noninterest income to average assets | 0.3448% | 4,931 |
| Noninterest expense to average assets | 3.2943% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4934% | 4,701 |
| Return on assets (ROA) | 0.4934% | 4,853 |
| Pretax return on assets | 0.7082% | 4,545 |
| Return on Equity (ROE) | 5.1257% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.8936% | 4,551 |
| Net charge-offs to loans | -0.0306% | 5,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3062% | 1,999 |
| Assets per employee ($millions) | 3.7385% | 4,469 |
| Cash dividends to net income (ytd only)* | 43.5484% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3098% | 1,395 |
| Loan loss allowance to noncurrent loans | 203.4949% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 2,624 |
| Noncurrent loans to loans | 1.1351% | 3,885 |
| Net loans and leases to total assets | 49.8046% | 5,021 |
| Net loans and leases to deposits | 55.5293% | 5,292 |
| Net loans and leases to core deposits | 74.5806% | 3,507 |
| Total domestic deposits to total assets | 89.6907% | 1,236 |
| Equity capital to assets | 9.5055% | 4,842 |
| Core capital (leverage) ratio | 9.6478% | 3,850 |
| Tier 1 risk-based capital ratio | 16.2158% | 3,149 |
| Total risk-based capital ratio | 17.4811% | 3,090 |
| Memoranda: | ||
| Average total assets | $150,805,000 | 3,791 |
| Average earning assets | $140,317,500 | 3,765 |
| Average equity | $14,515,000 | 4,090 |
| Average total loans | $78,326,000 | 4,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 2,009 |
| Cost of funding earning assets | 0.5210% | 5,067 |
| Net interest margin | 4.3315% | 1,324 |
| Noninterest income to average assets | 0.2957% | 5,352 |
| Noninterest expense to average assets | 3.8249% | 1,212 |
| Loan and lease loss provision to assets | 0.3310% | 2,053 |
| Net operating income to assets | 0.0828% | 6,040 |
| Return on assets (ROA) | 0.2537% | 5,829 |
| Pretax return on assets | 0.3181% | 5,785 |
| Return on Equity (ROE) | 2.5833% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.4644% | 5,135 |
| Net charge-offs to loans | 0.7249% | 1,622 |
| Credit loss provision to net charge-offs | 80.6612% | 3,810 |
| Earnings coverage of net charge-offs (x) | 1.0612% | 4,932 |
| Efficiency ratio | 89.7787% | 1,088 |
| Assets per employee ($millions) | 3.9034% | 4,148 |
| Cash dividends to net income (ytd only)* | 43.3155% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,387 |
| Loan loss allowance to noncurrent loans | 154.5533% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1782% | 2,255 |
| Noncurrent loans to loans | 1.4827% | 3,375 |
| Net loans and leases to total assets | 51.7141% | 4,966 |
| Net loans and leases to deposits | 57.7956% | 5,262 |
| Net loans and leases to core deposits | 77.6782% | 3,303 |
| Total domestic deposits to total assets | 89.4776% | 1,261 |
| Equity capital to assets | 9.7485% | 4,532 |
| Core capital (leverage) ratio | 9.6874% | 3,830 |
| Tier 1 risk-based capital ratio | 16.0122% | 3,160 |
| Total risk-based capital ratio | 17.2695% | 3,104 |
| Memoranda: | ||
| Average total assets | $147,429,400 | 3,816 |
| Average earning assets | $134,940,600 | 3,810 |
| Average equity | $14,477,400 | 4,068 |
| Average total loans | $83,464,200 | 3,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,909 |
| Cost of funding earning assets | 0.5306% | 5,238 |
| Net interest margin | 4.3971% | 1,204 |
| Noninterest income to average assets | 0.2926% | 5,430 |
| Noninterest expense to average assets | 3.9563% | 992 |
| Loan and lease loss provision to assets | 0.4420% | 1,429 |
| Net operating income to assets | -0.0841% | 6,389 |
| Return on assets (ROA) | 0.1612% | 6,158 |
| Pretax return on assets | 0.1875% | 6,146 |
| Return on Equity (ROE) | 1.6388% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.1473% | 6,028 |
| Net charge-offs to loans | 0.8563% | 1,284 |
| Credit loss provision to net charge-offs | 89.7059% | 3,306 |
| Earnings coverage of net charge-offs (x) | 0.6985% | 4,975 |
| Efficiency ratio | 91.9966% | 887 |
| Assets per employee ($millions) | 3.5773% | 4,795 |
| Cash dividends to net income (ytd only)* | 91.0083% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3165% | 1,487 |
| Loan loss allowance to noncurrent loans | 146.1478% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 2.2510% | 2,370 |
| Noncurrent loans to loans | 1.5850% | 3,408 |
| Net loans and leases to total assets | 52.1764% | 5,021 |
| Net loans and leases to deposits | 58.8677% | 5,333 |
| Net loans and leases to core deposits | 78.1998% | 3,425 |
| Total domestic deposits to total assets | 88.6333% | 1,637 |
| Equity capital to assets | 9.6382% | 5,013 |
| Core capital (leverage) ratio | 9.6319% | 4,074 |
| Tier 1 risk-based capital ratio | 15.6939% | 3,430 |
| Total risk-based capital ratio | 16.9533% | 3,388 |
| Memoranda: | ||
| Average total assets | $147,204,000 | 3,862 |
| Average earning assets | $134,177,250 | 3,872 |
| Average equity | $14,481,750 | 4,111 |
| Average total loans | $84,703,500 | 3,931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 1,484 |
| Cost of funding earning assets | 0.5435% | 5,344 |
| Net interest margin | 4.5641% | 884 |
| Noninterest income to average assets | 0.2805% | 5,567 |
| Noninterest expense to average assets | 3.9989% | 941 |
| Loan and lease loss provision to assets | 0.6676% | 849 |
| Net operating income to assets | -0.2394% | 6,572 |
| Return on assets (ROA) | 0.1218% | 6,272 |
| Pretax return on assets | 0.1108% | 6,307 |
| Return on Equity (ROE) | 1.2291% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.1105% | 6,003 |
| Net charge-offs to loans | 1.2229% | 884 |
| Credit loss provision to net charge-offs | 92.5996% | 2,962 |
| Earnings coverage of net charge-offs (x) | 0.5787% | 4,781 |
| Efficiency ratio | 90.5514% | 1,032 |
| Assets per employee ($millions) | 3.5195% | 4,942 |
| Cash dividends to net income (ytd only)* | 91.0112% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3161% | 1,565 |
| Loan loss allowance to noncurrent loans | 142.2727% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 3.9196% | 1,321 |
| Noncurrent loans to loans | 1.6279% | 3,466 |
| Net loans and leases to total assets | 53.5837% | 4,865 |
| Net loans and leases to deposits | 59.9284% | 5,243 |
| Net loans and leases to core deposits | 80.2521% | 3,182 |
| Total domestic deposits to total assets | 89.4129% | 1,267 |
| Equity capital to assets | 9.8640% | 4,526 |
| Core capital (leverage) ratio | 9.7499% | 3,778 |
| Tier 1 risk-based capital ratio | 15.1348% | 3,675 |
| Total risk-based capital ratio | 16.4045% | 3,630 |
| Memoranda: | ||
| Average total assets | $146,190,000 | 3,900 |
| Average earning assets | $132,468,670 | 3,915 |
| Average equity | $14,482,000 | 4,097 |
| Average total loans | $86,187,330 | 3,902 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 1,228 |
| Cost of funding earning assets | 0.5488% | 5,505 |
| Net interest margin | 4.6926% | 692 |
| Noninterest income to average assets | 0.2999% | 5,481 |
| Noninterest expense to average assets | 4.0062% | 928 |
| Loan and lease loss provision to assets | 1.3427% | 275 |
| Net operating income to assets | -0.4621% | 6,804 |
| Return on assets (ROA) | 0.0028% | 6,524 |
| Pretax return on assets | -0.0880% | 6,592 |
| Return on Equity (ROE) | 0.0277% | 6,521 |
| Retained earnings to average equity (ytd only) | -2.2172% | 6,312 |
| Net charge-offs to loans | 3.0517% | 236 |
| Credit loss provision to net charge-offs | 72.0827% | 2,868 |
| Earnings coverage of net charge-offs (x) | 0.2836% | 4,220 |
| Efficiency ratio | 88.3495% | 1,239 |
| Assets per employee ($millions) | 3.5257% | 5,061 |
| Cash dividends to net income (ytd only)* | 8,100.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0006% | 2,348 |
| Loan loss allowance to noncurrent loans | 59.1578% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 5.3835% | 935 |
| Noncurrent loans to loans | 3.3819% | 1,869 |
| Net loans and leases to total assets | 58.5561% | 3,951 |
| Net loans and leases to deposits | 65.4314% | 4,443 |
| Net loans and leases to core deposits | 86.1157% | 2,280 |
| Total domestic deposits to total assets | 89.4924% | 1,375 |
| Equity capital to assets | 9.9058% | 4,249 |
| Core capital (leverage) ratio | 9.7571% | 3,699 |
| Tier 1 risk-based capital ratio | 14.4751% | 4,128 |
| Total risk-based capital ratio | 15.7330% | 4,086 |
| Memoranda: | ||
| Average total assets | $145,374,500 | 3,949 |
| Average earning assets | $131,184,000 | 3,965 |
| Average equity | $14,432,500 | 4,110 |
| Average total loans | $88,738,000 | 3,862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 1,228 |
| Cost of funding earning assets | 0.6792% | 5,665 |
| Net interest margin | 4.7956% | 630 |
| Noninterest income to average assets | 0.4196% | 4,453 |
| Noninterest expense to average assets | 4.1162% | 891 |
| Loan and lease loss provision to assets | 0.7364% | 1,380 |
| Net operating income to assets | 0.0021% | 6,033 |
| Return on assets (ROA) | 0.1591% | 5,848 |
| Pretax return on assets | 0.0896% | 5,985 |
| Return on Equity (ROE) | 1.6035% | 5,810 |
| Retained earnings to average equity (ytd only) | 0.7562% | 5,499 |
| Net charge-offs to loans | 0.9483% | 1,833 |
| Credit loss provision to net charge-offs | 109.5041% | 3,063 |
| Earnings coverage of net charge-offs (x) | 0.9948% | 5,049 |
| Efficiency ratio | 85.7578% | 1,589 |
| Assets per employee ($millions) | 3.4809% | 5,061 |
| Cash dividends to net income (ytd only)* | 52.8384% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1031% | 2,000 |
| Loan loss allowance to noncurrent loans | 55.0258% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 5.9960% | 816 |
| Noncurrent loans to loans | 3.8220% | 1,641 |
| Net loans and leases to total assets | 61.0054% | 3,784 |
| Net loans and leases to deposits | 69.2851% | 4,231 |
| Net loans and leases to core deposits | 91.1915% | 1,965 |
| Total domestic deposits to total assets | 88.0497% | 2,120 |
| Equity capital to assets | 9.9496% | 4,229 |
| Core capital (leverage) ratio | 9.7180% | 3,722 |
| Tier 1 risk-based capital ratio | 14.4771% | 3,989 |
| Total risk-based capital ratio | 15.7301% | 3,967 |
| Memoranda: | ||
| Average total assets | $143,943,600 | 3,911 |
| Average earning assets | $131,035,800 | 3,910 |
| Average equity | $14,281,600 | 4,050 |
| Average total loans | $102,073,400 | 3,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5127% | 1,216 |
| Cost of funding earning assets | 0.7072% | 5,712 |
| Net interest margin | 4.8056% | 620 |
| Noninterest income to average assets | 0.4240% | 4,486 |
| Noninterest expense to average assets | 4.1186% | 877 |
| Loan and lease loss provision to assets | 0.6277% | 1,556 |
| Net operating income to assets | 0.0513% | 6,074 |
| Return on assets (ROA) | 0.0567% | 6,167 |
| Pretax return on assets | 0.0772% | 6,131 |
| Return on Equity (ROE) | 0.5721% | 6,158 |
| Retained earnings to average equity (ytd only) | 0.1970% | 5,897 |
| Net charge-offs to loans | 1.1703% | 1,344 |
| Credit loss provision to net charge-offs | 73.3696% | 4,371 |
| Earnings coverage of net charge-offs (x) | 0.8152% | 5,004 |
| Efficiency ratio | 85.1709% | 1,617 |
| Assets per employee ($millions) | 3.2287% | 5,613 |
| Cash dividends to net income (ytd only)* | 65.5724% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,495 |
| Loan loss allowance to noncurrent loans | 59.7427% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 5.8572% | 928 |
| Noncurrent loans to loans | 2.7397% | 2,554 |
| Net loans and leases to total assets | 66.7952% | 2,714 |
| Net loans and leases to deposits | 75.8936% | 3,346 |
| Net loans and leases to core deposits | 101.0963% | 1,153 |
| Total domestic deposits to total assets | 88.0117% | 2,027 |
| Equity capital to assets | 10.1905% | 4,098 |
| Core capital (leverage) ratio | 9.6430% | 3,928 |
| Tier 1 risk-based capital ratio | 13.3889% | 4,816 |
| Total risk-based capital ratio | 14.6420% | 4,782 |
| Memoranda: | ||
| Average total assets | $143,380,250 | 3,938 |
| Average earning assets | $131,038,500 | 3,934 |
| Average equity | $14,215,500 | 4,087 |
| Average total loans | $104,815,750 | 3,526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 1,434 |
| Cost of funding earning assets | 0.7368% | 5,752 |
| Net interest margin | 4.7068% | 713 |
| Noninterest income to average assets | 0.4214% | 4,501 |
| Noninterest expense to average assets | 3.9230% | 1,158 |
| Loan and lease loss provision to assets | 0.8135% | 1,129 |
| Net operating income to assets | 0.0091% | 6,207 |
| Return on assets (ROA) | 0.0181% | 6,277 |
| Pretax return on assets | 0.0223% | 6,237 |
| Return on Equity (ROE) | 0.1840% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.1840% | 5,766 |
| Net charge-offs to loans | 0.7101% | 2,090 |
| Credit loss provision to net charge-offs | 153.1414% | 1,994 |
| Earnings coverage of net charge-offs (x) | 1.5524% | 4,125 |
| Efficiency ratio | 82.1031% | 2,088 |
| Assets per employee ($millions) | 3.5274% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 2,618 |
| Loan loss allowance to noncurrent loans | 25.3917% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 7.4165% | 658 |
| Noncurrent loans to loans | 7.5485% | 632 |
| Net loans and leases to total assets | 71.6873% | 1,846 |
| Net loans and leases to deposits | 81.4437% | 2,531 |
| Net loans and leases to core deposits | 108.3230% | 796 |
| Total domestic deposits to total assets | 88.0207% | 2,120 |
| Equity capital to assets | 9.8483% | 4,332 |
| Core capital (leverage) ratio | 9.6487% | 3,735 |
| Tier 1 risk-based capital ratio | 12.8286% | 5,068 |
| Total risk-based capital ratio | 14.0858% | 5,038 |
| Memoranda: | ||
| Average total assets | $143,819,000 | 3,960 |
| Average earning assets | $132,190,330 | 3,939 |
| Average equity | $14,128,330 | 4,104 |
| Average total loans | $107,597,330 | 3,514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 1,720 |
| Cost of funding earning assets | 0.7866% | 5,630 |
| Net interest margin | 4.5656% | 926 |
| Noninterest income to average assets | 0.4128% | 4,601 |
| Noninterest expense to average assets | 3.6397% | 1,681 |
| Loan and lease loss provision to assets | 0.3765% | 2,307 |
| Net operating income to assets | 0.4016% | 4,940 |
| Return on assets (ROA) | 0.4016% | 5,027 |
| Pretax return on assets | 0.6052% | 4,666 |
| Return on Equity (ROE) | 4.0935% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.0935% | 3,707 |
| Net charge-offs to loans | 0.5343% | 2,156 |
| Credit loss provision to net charge-offs | 93.1034% | 2,879 |
| Earnings coverage of net charge-offs (x) | 2.4276% | 3,105 |
| Efficiency ratio | 78.2136% | 2,813 |
| Assets per employee ($millions) | 3.1707% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,331 |
| Loan loss allowance to noncurrent loans | 25.2997% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 6.3610% | 885 |
| Noncurrent loans to loans | 6.7334% | 856 |
| Net loans and leases to total assets | 73.4001% | 1,436 |
| Net loans and leases to deposits | 83.5185% | 2,104 |
| Net loans and leases to core deposits | 106.9887% | 895 |
| Total domestic deposits to total assets | 87.8849% | 2,435 |
| Equity capital to assets | 9.9193% | 3,877 |
| Core capital (leverage) ratio | 9.9849% | 3,158 |
| Tier 1 risk-based capital ratio | 12.8419% | 4,952 |
| Total risk-based capital ratio | 14.0968% | 4,919 |
| Memoranda: | ||
| Average total assets | $143,416,500 | 4,007 |
| Average earning assets | $132,206,500 | 3,972 |
| Average equity | $14,071,000 | 4,098 |
| Average total loans | $108,544,500 | 3,523 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9148% | 1,009 |
| Cost of funding earning assets | 1.2950% | 3,914 |
| Net interest margin | 4.6198% | 970 |
| Noninterest income to average assets | 0.5352% | 3,920 |
| Noninterest expense to average assets | 3.8442% | 1,406 |
| Loan and lease loss provision to assets | 0.4511% | 3,422 |
| Net operating income to assets | 0.3446% | 4,769 |
| Return on assets (ROA) | 0.3446% | 4,928 |
| Pretax return on assets | 0.5135% | 4,572 |
| Return on Equity (ROE) | 3.6333% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.6534% | 4,003 |
| Net charge-offs to loans | 1.0031% | 2,187 |
| Credit loss provision to net charge-offs | 53.4566% | 6,208 |
| Earnings coverage of net charge-offs (x) | 1.1431% | 4,964 |
| Efficiency ratio | 79.4470% | 2,490 |
| Assets per employee ($millions) | 3.4322% | 5,102 |
| Cash dividends to net income (ytd only)* | 26.9685% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,402 |
| Loan loss allowance to noncurrent loans | 25.3335% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 5.7127% | 1,070 |
| Noncurrent loans to loans | 6.5095% | 920 |
| Net loans and leases to total assets | 75.4225% | 1,398 |
| Net loans and leases to deposits | 86.8492% | 1,961 |
| Net loans and leases to core deposits | 104.4349% | 1,287 |
| Total domestic deposits to total assets | 86.8431% | 2,912 |
| Equity capital to assets | 9.7043% | 4,123 |
| Core capital (leverage) ratio | 9.4441% | 3,775 |
| Tier 1 risk-based capital ratio | 12.4654% | 5,051 |
| Total risk-based capital ratio | 13.7201% | 5,035 |
| Memoranda: | ||
| Average total assets | $147,415,200 | 3,924 |
| Average earning assets | $136,370,000 | 3,890 |
| Average equity | $13,981,800 | 4,149 |
| Average total loans | $124,013,800 | 3,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 951 |
| Cost of funding earning assets | 1.3867% | 3,657 |
| Net interest margin | 4.6046% | 1,032 |
| Noninterest income to average assets | 0.4947% | 4,228 |
| Noninterest expense to average assets | 3.5340% | 1,952 |
| Loan and lease loss provision to assets | 0.4767% | 3,086 |
| Net operating income to assets | 0.4929% | 4,344 |
| Return on assets (ROA) | 0.4929% | 4,545 |
| Pretax return on assets | 0.7430% | 4,104 |
| Return on Equity (ROE) | 5.2264% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.6923% | 3,203 |
| Net charge-offs to loans | 0.6709% | 2,749 |
| Credit loss provision to net charge-offs | 82.6833% | 5,052 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 4,139 |
| Efficiency ratio | 73.8505% | 3,350 |
| Assets per employee ($millions) | 3.5749% | 4,791 |
| Cash dividends to net income (ytd only)* | 10.2183% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 2,623 |
| Loan loss allowance to noncurrent loans | 35.9023% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 4.6858% | 1,412 |
| Noncurrent loans to loans | 5.1605% | 1,324 |
| Net loans and leases to total assets | 82.8396% | 422 |
| Net loans and leases to deposits | 94.9765% | 1,101 |
| Net loans and leases to core deposits | 118.8555% | 655 |
| Total domestic deposits to total assets | 87.2211% | 2,414 |
| Equity capital to assets | 9.7339% | 4,496 |
| Core capital (leverage) ratio | 9.4803% | 3,934 |
| Tier 1 risk-based capital ratio | 11.5233% | 5,911 |
| Total risk-based capital ratio | 12.7813% | 5,889 |
| Memoranda: | ||
| Average total assets | $148,231,000 | 3,953 |
| Average earning assets | $137,107,250 | 3,917 |
| Average equity | $13,980,000 | 4,204 |
| Average total loans | $127,380,750 | 3,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0398% | 858 |
| Cost of funding earning assets | 1.4455% | 3,588 |
| Net interest margin | 4.5943% | 1,014 |
| Noninterest income to average assets | 0.4853% | 4,234 |
| Noninterest expense to average assets | 3.5232% | 1,973 |
| Loan and lease loss provision to assets | 0.5310% | 2,665 |
| Net operating income to assets | 0.4302% | 4,622 |
| Return on assets (ROA) | 0.4302% | 4,782 |
| Pretax return on assets | 0.6694% | 4,342 |
| Return on Equity (ROE) | 4.6095% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0477% | 3,507 |
| Net charge-offs to loans | 0.9253% | 1,985 |
| Credit loss provision to net charge-offs | 66.3866% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.5008% | 4,363 |
| Efficiency ratio | 74.0751% | 3,464 |
| Assets per employee ($millions) | 3.5136% | 4,892 |
| Cash dividends to net income (ytd only)* | 12.1875% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,990 |
| Loan loss allowance to noncurrent loans | 59.2204% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.9064% | 2,473 |
| Noncurrent loans to loans | 2.9077% | 2,750 |
| Net loans and leases to total assets | 85.2004% | 277 |
| Net loans and leases to deposits | 97.4312% | 925 |
| Net loans and leases to core deposits | 128.9215% | 436 |
| Total domestic deposits to total assets | 87.4468% | 2,292 |
| Equity capital to assets | 9.5181% | 4,677 |
| Core capital (leverage) ratio | 9.3603% | 4,027 |
| Tier 1 risk-based capital ratio | 11.0319% | 6,207 |
| Total risk-based capital ratio | 12.2881% | 6,191 |
| Memoranda: | ||
| Average total assets | $148,784,670 | 3,975 |
| Average earning assets | $137,256,670 | 3,949 |
| Average equity | $13,884,330 | 4,223 |
| Average total loans | $128,604,330 | 3,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0151% | 948 |
| Cost of funding earning assets | 1.5307% | 3,370 |
| Net interest margin | 4.4844% | 1,178 |
| Noninterest income to average assets | 0.5168% | 3,924 |
| Noninterest expense to average assets | 3.5103% | 1,954 |
| Loan and lease loss provision to assets | 0.6962% | 1,832 |
| Net operating income to assets | 0.2999% | 5,304 |
| Return on assets (ROA) | 0.2999% | 5,434 |
| Pretax return on assets | 0.4364% | 5,175 |
| Return on Equity (ROE) | 3.2456% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.9268% | 4,373 |
| Net charge-offs to loans | 0.7507% | 2,008 |
| Credit loss provision to net charge-offs | 107.4380% | 3,199 |
| Earnings coverage of net charge-offs (x) | 1.7479% | 3,684 |
| Efficiency ratio | 75.0865% | 3,389 |
| Assets per employee ($millions) | 3.8088% | 4,285 |
| Cash dividends to net income (ytd only)* | 9.8214% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 2,466 |
| Loan loss allowance to noncurrent loans | 89.8330% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 3.3667% | 2,110 |
| Noncurrent loans to loans | 2.1102% | 3,642 |
| Net loans and leases to total assets | 84.3474% | 340 |
| Net loans and leases to deposits | 97.9357% | 914 |
| Net loans and leases to core deposits | 118.6195% | 845 |
| Total domestic deposits to total assets | 86.1253% | 3,084 |
| Equity capital to assets | 9.3265% | 4,793 |
| Core capital (leverage) ratio | 9.0339% | 4,503 |
| Tier 1 risk-based capital ratio | 10.8346% | 6,308 |
| Total risk-based capital ratio | 12.0924% | 6,284 |
| Memoranda: | ||
| Average total assets | $149,391,000 | 4,017 |
| Average earning assets | $137,453,500 | 4,006 |
| Average equity | $13,803,500 | 4,284 |
| Average total loans | $128,939,000 | 3,276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4334% | 769 |
| Cost of funding earning assets | 1.8242% | 3,858 |
| Net interest margin | 4.6092% | 963 |
| Noninterest income to average assets | 0.7287% | 2,794 |
| Noninterest expense to average assets | 3.5590% | 2,250 |
| Loan and lease loss provision to assets | 1.0796% | 2,118 |
| Net operating income to assets | 0.2832% | 4,596 |
| Return on assets (ROA) | 0.2832% | 4,685 |
| Pretax return on assets | 0.3786% | 4,555 |
| Return on Equity (ROE) | 3.0571% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.9188% | 3,126 |
| Net charge-offs to loans | 0.3993% | 4,226 |
| Credit loss provision to net charge-offs | 301.5905% | 1,097 |
| Earnings coverage of net charge-offs (x) | 4.0736% | 3,078 |
| Efficiency ratio | 70.4397% | 4,530 |
| Assets per employee ($millions) | 3.5771% | 4,830 |
| Cash dividends to net income (ytd only)* | 4.5226% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 2,415 |
| Loan loss allowance to noncurrent loans | 82.7194% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 3.2675% | 2,097 |
| Noncurrent loans to loans | 2.2318% | 3,361 |
| Net loans and leases to total assets | 85.0391% | 347 |
| Net loans and leases to deposits | 99.9554% | 907 |
| Net loans and leases to core deposits | 150.1534% | 503 |
| Total domestic deposits to total assets | 85.0770% | 3,518 |
| Equity capital to assets | 9.1541% | 4,912 |
| Core capital (leverage) ratio | 9.0222% | 4,379 |
| Tier 1 risk-based capital ratio | 10.4928% | 6,402 |
| Total risk-based capital ratio | 11.7487% | 6,375 |
| Memoranda: | ||
| Average total assets | $140,515,600 | 4,115 |
| Average earning assets | $130,739,400 | 4,071 |
| Average equity | $13,019,000 | 4,506 |
| Average total loans | $125,976,400 | 3,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5047% | 737 |
| Cost of funding earning assets | 1.8647% | 4,078 |
| Net interest margin | 4.6400% | 922 |
| Noninterest income to average assets | 0.7502% | 2,710 |
| Noninterest expense to average assets | 3.6344% | 1,950 |
| Loan and lease loss provision to assets | 0.4123% | 3,853 |
| Net operating income to assets | 0.7155% | 3,154 |
| Return on assets (ROA) | 0.7155% | 3,222 |
| Pretax return on assets | 1.0332% | 2,798 |
| Return on Equity (ROE) | 7.6972% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.6972% | 1,233 |
| Net charge-offs to loans | 0.1782% | 4,968 |
| Credit loss provision to net charge-offs | 255.6886% | 1,675 |
| Earnings coverage of net charge-offs (x) | 8.9641% | 2,169 |
| Efficiency ratio | 71.0511% | 4,413 |
| Assets per employee ($millions) | 3.3869% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,755 |
| Loan loss allowance to noncurrent loans | 98.8609% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 4,610 |
| Noncurrent loans to loans | 1.2748% | 4,809 |
| Net loans and leases to total assets | 88.7136% | 163 |
| Net loans and leases to deposits | 105.3216% | 690 |
| Net loans and leases to core deposits | 157.1350% | 437 |
| Total domestic deposits to total assets | 84.2311% | 3,608 |
| Equity capital to assets | 9.6941% | 4,507 |
| Core capital (leverage) ratio | 10.0392% | 3,242 |
| Tier 1 risk-based capital ratio | 10.6218% | 6,320 |
| Total risk-based capital ratio | 11.8760% | 6,297 |
| Memoranda: | ||
| Average total assets | $138,085,000 | 4,183 |
| Average earning assets | $128,847,000 | 4,131 |
| Average equity | $12,835,500 | 4,577 |
| Average total loans | $124,929,500 | 3,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4912% | 839 |
| Cost of funding earning assets | 1.9146% | 4,189 |
| Net interest margin | 4.5766% | 1,004 |
| Noninterest income to average assets | 0.7952% | 2,436 |
| Noninterest expense to average assets | 3.7192% | 1,796 |
| Loan and lease loss provision to assets | 0.4308% | 3,403 |
| Net operating income to assets | 0.7052% | 3,229 |
| Return on assets (ROA) | 0.7052% | 3,332 |
| Pretax return on assets | 0.9088% | 3,306 |
| Return on Equity (ROE) | 7.7047% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.7047% | 1,317 |
| Net charge-offs to loans | 0.2472% | 3,963 |
| Credit loss provision to net charge-offs | 192.1053% | 2,378 |
| Earnings coverage of net charge-offs (x) | 5.9737% | 2,715 |
| Efficiency ratio | 72.9950% | 4,197 |
| Assets per employee ($millions) | 3.4371% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 4,937 |
| Loan loss allowance to noncurrent loans | 101.0575% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 4,559 |
| Noncurrent loans to loans | 1.1880% | 4,844 |
| Net loans and leases to total assets | 89.2890% | 165 |
| Net loans and leases to deposits | 107.0131% | 705 |
| Net loans and leases to core deposits | 153.4688% | 574 |
| Total domestic deposits to total assets | 83.4374% | 4,045 |
| Equity capital to assets | 8.9682% | 5,359 |
| Core capital (leverage) ratio | 9.0140% | 4,602 |
| Tier 1 risk-based capital ratio | 9.5387% | 7,355 |
| Total risk-based capital ratio | 10.7053% | 7,383 |
| Memoranda: | ||
| Average total assets | $135,568,330 | 4,268 |
| Average earning assets | $126,293,670 | 4,222 |
| Average equity | $12,408,000 | 4,708 |
| Average total loans | $122,957,000 | 3,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5218% | 830 |
| Cost of funding earning assets | 2.0405% | 3,920 |
| Net interest margin | 4.4813% | 1,168 |
| Noninterest income to average assets | 0.7766% | 2,451 |
| Noninterest expense to average assets | 3.6330% | 1,786 |
| Loan and lease loss provision to assets | 0.2890% | 3,643 |
| Net operating income to assets | 0.7435% | 3,375 |
| Return on assets (ROA) | 0.7435% | 3,554 |
| Pretax return on assets | 1.0324% | 3,239 |
| Return on Equity (ROE) | 8.0371% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.0371% | 1,801 |
| Net charge-offs to loans | 0.2385% | 3,209 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 6.0972% | 2,545 |
| Efficiency ratio | 72.7825% | 4,043 |
| Assets per employee ($millions) | 3.5777% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,085 |
| Loan loss allowance to noncurrent loans | 139.6245% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 4,963 |
| Noncurrent loans to loans | 0.8274% | 5,377 |
| Net loans and leases to total assets | 88.9271% | 199 |
| Net loans and leases to deposits | 107.8271% | 736 |
| Net loans and leases to core deposits | 166.8125% | 397 |
| Total domestic deposits to total assets | 82.4719% | 4,384 |
| Equity capital to assets | 9.1304% | 5,181 |
| Core capital (leverage) ratio | 9.1380% | 4,494 |
| Tier 1 risk-based capital ratio | 9.7883% | 7,153 |
| Total risk-based capital ratio | 10.9153% | 7,206 |
| Memoranda: | ||
| Average total assets | $132,892,500 | 4,355 |
| Average earning assets | $123,892,000 | 4,288 |
| Average equity | $12,293,000 | 4,753 |
| Average total loans | $120,758,000 | 3,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1682% | 791 |
| Cost of funding earning assets | 2.6254% | 3,555 |
| Net interest margin | 4.5427% | 1,326 |
| Noninterest income to average assets | 0.7739% | 2,649 |
| Noninterest expense to average assets | 3.5958% | 2,158 |
| Loan and lease loss provision to assets | 0.3822% | 3,405 |
| Net operating income to assets | 0.6625% | 4,053 |
| Return on assets (ROA) | 0.6625% | 3,899 |
| Pretax return on assets | 1.0104% | 3,343 |
| Return on Equity (ROE) | 6.9958% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,310 |
| Net charge-offs to loans | 0.1804% | 4,387 |
| Credit loss provision to net charge-offs | 243.6548% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.8782% | 2,801 |
| Efficiency ratio | 71.5243% | 4,031 |
| Assets per employee ($millions) | 3.4166% | 4,894 |
| Cash dividends to net income (ytd only)* | 6.1298% | 4,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,814 |
| Loan loss allowance to noncurrent loans | 100.7983% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 4,168 |
| Noncurrent loans to loans | 1.1560% | 4,218 |
| Net loans and leases to total assets | 90.7442% | 146 |
| Net loans and leases to deposits | 107.1114% | 1,034 |
| Net loans and leases to core deposits | 153.6490% | 728 |
| Total domestic deposits to total assets | 84.7195% | 2,968 |
| Equity capital to assets | 9.3760% | 4,851 |
| Core capital (leverage) ratio | 9.0986% | 4,597 |
| Tier 1 risk-based capital ratio | 9.8836% | 6,868 |
| Total risk-based capital ratio | 11.0254% | 6,873 |
| Memoranda: | ||
| Average total assets | $125,590,400 | 4,383 |
| Average earning assets | $116,515,400 | 4,352 |
| Average equity | $11,892,800 | 4,859 |
| Average total loans | $109,211,200 | 3,697 |